Counselling A reflective account designed a group warm up activity Assignment

Counselling A reflective account designed a group warm up activity balloon person - Assignment Example In this way psychologists can help them overcome their issues and guide in goal setting. The purpose of psychologist is not to think for the person, but first to make the person stable in personality and then make him decide for himself. What is group counseling? Group counseling is a form of psychotherapy in which more than two clients are dealt together by a counselor. Group counseling is effective and useful specially in treating people with same issues or problems. In such way clients in group are able to learn from other experiences and exchange ideas and advices. The other advantage of group therapy is that it is more cost effective and saves time of counselor and money of clients. (About.com, 2011) Group counseling is actually a way of counseling people with different therapies. In group counseling many other therapies are used. Such as psychodynamics, CBT and client centered therapy etc. Benefits of Group Counseling: It is useful in many psychological illnesses like OCD, depr ession, anxiety, substance abuse, panic attacks and personality disorders. In group therapy people usually feel easier in expressing their symptoms when other is expressing the same. Approaches to Group counseling: Group therapies fulfill and nourish variety of client’s need. In 1995 the Psychiatrist Irvin Yalom wrote the therapeutic qualities in group counseling. Those approaches are: 1. Instillation of hope: in group therapy the rate of hope in people becomes higher because when they interact and discuss issues together, they become positive that they aren’t only one suffering. And with this hope treatment of clients become effective. 2. Universality: usually when a person is going through it alone he feels like he is the only one suffering and that makes him feel even more terrible. But in group therapy when people with same issues gather and share their issues the feeling on individual suffering goes away and client learns that others are also having same issues an d they are not alone. 3. Communication of information: when a client comes to know that he isn’t the only one suffering he gets better understanding towards his own problem and then recover better in group. 4. Altruism: in group therapy people become altruist and part of a group and their recovery will be mutual. 5. Interpersonal learning: in group therapy a client learns from other people's issues and that he is not only one suffering but pain and suffering of the other persons can be more acute. (NFATTC , 2004) Common Therapies in Group Counseling: Psychologists use many theoretical approaches in group counseling. Three main of them are as following: Cognitive Behavioral Therapy (CBT) – it focuses on the thought processes (cognition) and behavior of the person that leads to problem. And it aims to change the way those patterns of thought and behavior are creating problem for person. (NACBT, 2010) Interpersonal Therapy (IPT) – it focuses on other peoplesâ€℠¢ roles in personal life of the person and how such relation leads to a problem. People with whom one interacts in life can affect ones feelings and thoughts. And if the influence of people is not good then such interactions can lead to various psychological issues. (about.com, 2008) Psychodynamic Therapy (PDT) –Psychodynamic therapy is analytic nature of therapy; based on the concepts of Freud. In this therapy therapist keep his own personality and personal views away from client and acts as a black canvas over which client can transfer all his thoughts and deep

Implementing Effective Line Management

Implementing Effective Line Management The relevance of the Human Resource Management (HRM) has been exceptionally important and pivotal in maintaining a smooth working atmosphere of an institution. In large organisation with thousands of employees, there are hierarchy of power and work distribution. As the number of employees increase, the importance of managing them efficiently and maintaining their morale becomes more crucial to maximise the productivity. All organisations have their own work culture, rules and regulations, formal and informal approaches in dealings with situations. The Human Resource (HR) policies define the flexibility of the functioning of its personnel in each of these issues. The scope and success of these depends largely on the line manager, as he acts as an intermediary point between the HRM and the normal employees. For Mintzberg and Quinn (1998), a managers general work involves performing regular duties like ritual and ceremony, negotiations, and the processing of soft information (Mintzberg and Quinn, 1998). In the current working scenario, the role of the line manager is much more than just oversee and delegate staffs; they have to take provocative measure on coaching, team building and achieving targets both social and financial. According to Fred Luthans and his associates (1988) there is a great difference between an effective manager and successful manager. They had researched on 450 managers around the world. The managers who had a good network were considered as more effective in Australia whereas in US the managers who seek information from colleagues and employees- even if its negative and who explains their decisions are considered the most effective (F. Luthans, R. M. Hodgetts and S. A. Rosenkrantz, 1988). Formerly we will try to indentify the work pattern in the emirates organisation and the employees working atmosphere. Then we will try to analyse the pattern to find the areas of improvement, the organisation might be able to adopt. Finally we will try to analyse the effectiveness and changes that might happen by implementing the proposal. Formulation of HR Strategy How do we implement effective line management in organisation? Effective people management Who is a line manager (LM)? What is the relevance of such a position in an organisation? LM are not normally given this title in any of the organisations that employ them. In fact, depending on the business sector, they can be known by a variety of different titles. According to Advisory, Conciliation and Arbitration Service (ACAS) the more common descriptions for line managers are team leader, team manager or supervisor (Business Link, 2010). In general we can say that the role of a LM is a more of a mediator in between the management and employees and helps in maintaining a proper work flow in organisations. Managing the work force of an organisation is the core essence of the smooth running of the business. As the organisation grows in strength of the employees the need for hierarchy and power distribution is vital. Supervisory training and development continues to be a major concern in organisations of all types and sizes. The changes of all kinds necessitate continuous updating of knowledge and skills, as well as changes in attitude (Donald L. Kirkpatrick, 2001). In order to assess the standards and performance of the employees the line manager plays a major role. The HR department conveys the strategic plans to the line manager to get implemented. Emirates group with an employee strength of more than 40,000 and mainly being in the field of aviation and related services have to be diversified into different departments. Each department have been further sub-divided into Managers and normal employees. The managers consist of line managers who are personally responsible for the employees under him/her. Employing more than 100 nationalities they have a huge diversity in work force like the gender, skills, and of more personal traits. Trends of devolution in recent years As per Tyson and Fell, the role of personnel management has evolved from a clerk of work in 1960, 1970s as contract manager and 1980s more like a business manager in 1980s. In the first two years the authority vested in line managers with the branch manager control through personnel and line managers moving to widespread integration. They also said that personnel managers facilitate enabling other management work to occur, whose principal skills lay in their timing of applying techniques, and their ability to sell their services to client line managers/top executives (Renwick. D, 2000) The integration of HRM activities into the Business and corporate strategy is a key element in the business, the integration being the degree to which HRM issues are considered as part of the formulation of the business strategy and development as, the degree to which HRM practices involve and give responsibility to the line manager rather than personnel specialists (Budhwar. P. S., 1998). With the growing trend it can be suggested that a more likely outcome of giving line managers more personnel responsibilities is that the role of the HR specialist will change from that of watchdog of corporate policy and procedures to one of adviser to service managers (Harris. L. et al., 2002). What HR activities get devaluated? The middle level managers are expected to know and perform in perfect co with liaison with the high level management and lower level employees. This naturally results in expecting them to do more than they might be have normally done. For example for a divisional sale manager who is handing a section in an organisation like the Emirate Group, he will be responsible to maintain the sales targets as set his superior manager and maintain the relation with the international clients. These job can be terms us the regular jobs. Apart from these regular job, they will be expected to do several work related to the workforce under him like the maintenance of workforce planning, like to arrange cover for employee who are ill or on holiday, sort the grievances in the work places like the difference in opinions, update the management or the work progress, responsible for safety of the sub-ordinates and help with recruitment process of the HR division. The work force planning includes jobs like the attendance, roaster preparation, leave management, overtime sheet preparation, and timesheet preparation. The jobs like training the sub ordinates and their exit procedures are mostly handled by the line managers. They will also be partly responsible to get the quality surveys from the employees and remind them to do it during delays. The growing demand on the performance of the managers is to do personal training at the time needed. They will have to individually monitor their subordinates on their performances and grade them on the basis of performance and productivity taking into consideration their customer relations skills, analytical skills and risk assessment skills. In finding a need for professional training, they will try to educate them during the regular work hours or send them to more specific training in the training centre offered by the organisation. In the event of an employee not successfully completing an external training, he will be expected to explain and reassign them to a re-training. The benefits and the increments of the subordinates will be assigned to them on the basis of his recommendations after the evaluations. The welfare and safety of the sub-ordinates are mostly considered as the responsibility of the immediate managers in the organisation. With the increased pressure of maintaining a low expenditure for the organisations at times, the managers are devaluated for the incredible amount of jobs they handle and recently we can say that it has become one of the industry norms to go the extra mile. Job Analysis Why devaluated? The centrally developed personnel procedures are considered to be a key means of ensuring managerial consistency in minimising litigation risk while devolving operational HR responsibilities. This system has been considered as one among the most suitable practice in audit of HR professional activity in the public sector. The LM being enforced to take decisions has to be after give adequate training to them to handle such situations. By giving the proper training and raising their awareness the managers will become more aware of legal and organisational impacts of different actions (Harris. L et al., 2002). This will prevent them from acting unethically and also help in maintain a healthy work culture. The increased pressure for line managers tends to make them devaluate some of their responsibilities to supervisors. This creates a pressure and the notion for them that they are doing more than they are supposes to do. According to Brewster and Larsen (2000) there are five main reasons for the devolution of HRM to the line managers. The elements are to reduce costs; to provide a comprehensive approach to HRM; to make the managers more accountable; to speed up the decision making process; and it is an alternative to outsourcing the HM activities. Budhwar recognises the effectiveness of the decisions by the quick implementation due to its complexities and preparing future manager as some additional features of the devolution of HRM. (Budhwar. P. S., 1998). The priorities and motives of the organisations and the approach towards these have evolved through the past decade. Maintaining a low operation cost has become a key element in the agenda. It has become one of the deciding factors of the efficiency of the organisations. The increasingly sophisticated consumers demand higher quality for both commercial and public sector organisations. The success of the long term success should focus more to operate on product and service quality rather than on cost or price alone (CIPD report, 2006). In a study Cleyman, he found that a high rate of grievances were filled in departments characterised by repetitious work, low skilled employees, work that demanded constant attention, generally unpleasant working conditions (Cleyman. K. L, et al. 1995). Implementing the disciplinary and grievance procedures provides a clearer and transparent framework to deal with difficulties which may arise as part of the working relationship from either the employers or employees perspective. It will act as a corrective measure to lead the employees in alignment with the organisational values and help in taking the corrective measures at the earliest (CIPD, 2010). Problems and issues Balance of work and personal time. The work and non-work time of the managers have been blurred creating a sense of over pressure for their profession. The line managers are expected to draw out the responsibilities and over perform more than their contract. The definite line of work timing has become vague over past couple of years. With the introduction of latest technology, like the Blackberry and laptops, having access to company information they are expected to work beyond the normal working hours. In a huge organisation like the Emirates Group, the company never sleeps and the employees work around the clock for the normal functioning of the airport. This again is an inherent nature of the business. Being equipped by the latest gadgets the managers who might be remotely controlling different regions will be contacted round-the- clock by the employees if they have any queries in operations. Thus their effective working hours are extended much more than the actual working hours. This encroaches the personal time of the employees and will cause distress. The practical solution to minimize the effect of this is by empowering the employees with decision making power. They are allowed a degree of flexibility and encouraged to make logical decisions. To support this there can be regular training, seminars and support to improve and update the technical knowledge and ethical behaviour. Todays managers needs to create an ethical healthy climate for his or her employees, where they can do their work productively and confront a minimum degree of ambiguity regarding what constitutes right and wrong behaviours (Stephen P Robbins, Timothy A Judge, 2007). Implementation The Organisational Vision It is our people that make the difference in terms of results, says the Chairman of the Emirates Group, H.H. Sheikh Ahmed Bin Saeed Al-Maktoum (The Emirates Group, 2010). Gary Chapman, President Group Services and Dnata, states Employees are the key to success of any organisation and we here in the Emirates Group know this well. That is why we put such great emphasis on vocational training and development to ensure our people are equipped to do the job well. The recognition of the value of employees and taking steps in insuring their welfare would be a key element in maintaining a optimum and impressive corporate culture. After-all all machines and technology bough by the organisations are brought to life by its employees. Human Resource Business Support teams ensure effective employee relations through professional compliance with policies and procedures, while the Remuneration and Planning team ensures the Group has practices that will enable us to attract and retain a high calibre workforce, across all locations (Emirates Group Careers, 2010). The company equips the staffs with latest technology and manages the recruitment process by consulting with the concerned managers over their short and long term staff requirements. The department also provides expert guidance to manager in the use of assessment tools and in the recruitment decision making process, to ensure alignment with the HR policies and practices and the values and competencies required in all those recruited globally into the group. The line managers should have a clear picture of the organisations vision. The recruitment process We achieve what we do because of our people. We choose them very carefully, and just as important they choose us very carefully (Maurice Flanagan, 2010). In the expansion of the institution, the need for more human resource becomes prominent. The recruitment process begins by finding role and function of the extra personnel. After the acceptance of the application and the primary selection process and categorising the person to the section according to their talent, the line managers of the prospective sections should be involved in selection of the candidate. By adoption of this step it would make the line manager comfortable in analysing the person for how capable he is and how well they will integrate with their team.

Enigma Outline :: essays research papers

Enigma Outline I. Flash back A. The main character Jericho is staying in Cambridge at the college. B. Jericho has a flash back. C. The flash back is of when he was talking to Atwood. D. March 12, his office comes and gets him. II. Shark A. Jericho goes back to Bletchley to work on the enigma. B. He is taken there by Logie. C. He is taken back to his old hut. D. Jericho looks at the codes called shark. E. Jericho can’t break the code. F. Jericho sees Clair, the reason he left. F. Jericho tries to hit Skinner after a meeting, but this just makes skinner mad. III. The Old House Gives Clue A. Jericho flashes back to the first time he met Clair on the train. B. He has another flash back. C. Jericho goes to her old house to look for her. D. Jericho searches Claire's room, where he finds stolen cryptograms. IV. Solution A. Jericho has another flashback of when Clair leaves him. B. Jericho runs into Hester while he is looking for Clair. C. Tom figures out that if the navy ships give up there position the U-boats can send code. Then he can solve the code by putting it into the decoding machine. V. Major Heaviside A. Hester and Tom meet again to discuss the codes. B. They go to see Major Heaviside, so they can get more of the codes. VI. Cracked Code A. Tom gets the opportunity to start to solve their code when the U-boats attack the convoy. B. At the end of the night, they put the codes in the bombes so they can decipher them. C. Tom uses the information that Hester gave him earlier to figure them out. D. When decoded they say that over 3000 Polish soldiers were killed in a Soviet Camp. E. Tom asks puck about this but he chases him off. F. As they run off the train they are both shot down by Wigram's officers.

Queen Elizabeth I Essay

The play ‘A Midsummer Night’s Dream’ was written by William Shakespeare in 1594. From the theme and context of the play, I can conclude that it was probably written for a wedding. It would be similar to the epithalamion written at weddings at this time, but a more elaborate version. Many of the lines rhyme and it all has the feel of poetry: some beautiful and some seeming supernatural and spell-like. It canvasses all aspects of marriage through plot, characters and symbolism, touching on both light and dark areas. The tragic side is shown more through references that actually spelling it out; Pyramus and Thisby is one example of a union which ended in catastrophe. However, despite this, the main idea of marriage is perceived as harmonious; all is shown in a ‘comic’ frame, with a humorous touch and a happy ending. This would be an appropriate feel for a wedding play because it gives the concept of marriage an idyllic feel, telling the newlyweds what they want to hear: that marriage is a good idea. If you search the play in depth, you will find that not only is it about the union of people in a marriage, but also about the unity of opposing forces in nature and bringing harmony from chaos. It is also, in an even broader sense, about the Elizabethan ideals about God and the universe. To clarify exactly what these ideals were and how ‘A Midsummer Night’s Dream’ defines them, I must start at the beginning with the story of Adam and Eve. Elizabethans believed in everything fitting into its natural place. After studying the sky, they thought the universe was made up of spheres, one containing the stars, one containing planets and so on. They thought the Earth was at the centre of the universe; the spheres they believed in were a way of dealing with the fact that different bodies in the sky moved in different ways. It was thought that these spheres made the world harmonious, but humans couldn’t see the true beauty of it because of Adam and Eve. The legend goes that Eve was tempted by the serpent and ate the forbidden fruit in the Garden of Eden. This, apparently, caused the whole human race to fall from God’s grace. Now, the relevance of this to ‘A Midsummer Night’s Dream’ and the theme of marriage is that when this happened, it meant man kind could not the ‘music’ of the spheres; they were only told by God that everything had its place. Even the evil in the world has a reason for being there. Humans cannot see quite how everything fits in because of their sin. They do not fully understand why some things happened because they can’t see the ‘big picture’. This was illustrated by the ‘Great Chain of Being’. God came at the top of this chain, with angels under Him. Then came nature (represented by Oberon and Titania), people (shown in all the human characters), and below them animals, plants and rocks. Humans came between animals and Angels, a relationship personified by Bottom. He is a typical human, not very bright or beautiful, but just a normal working class person. He then has a link with both the animal and angel world; he is turned into an ass and he has a relationship with Titania. This establishes the link between animals, angles and humans, and also tells you about the human nature. They are always trying to find something greater that themselves (for example fairies or angels) but to the greater beings, they must look as animals do to us – far beneath them and having little or no brains. Also exhibiting the same way of thinking was the fact that men came above women in the category of humans. If you were to sum up the play with one idea, this is the single idea addressed most eloquently. Many events in ‘A Midsummer Night’s Dream’ suggest the superiority of men, through the media of imagery, plot and characters, which will be tackled later. The Elizabethan idea of the cosmos is also addressed by the union of opposites connected with marriage. Their idea of the universe is that everything joins together perfectly and everything has its place. Things which may not seem to have a purpose will have been created by God for a reason; we just don’t know what that is. The prime example is the joining of a man and a woman in marriage. It may seem to make more sense to join two women or two men, as these will have more in common, but this play is trying to say a little of both the male and female persona is needed to make the match united. They are like opposite forces, but marriage brings them together. It is as is they have only half of the qualities needed to bring harmony and they must be brought together in marriage to make a ‘whole’. The same is also being expressed through the union of other opposite forces. There are many contrasting pairs which link hand in hand in this play: night and day; sleeping and waking; supernatural and mortal; discord and harmony; passion and reason; and ultimately female and male. These pairs are all the exact opposite of each other; and yet Shakespeare is presenting the notion that we need each half of the pair to make the world harmonious.

Macbeth and Tragic Hero

Macbeth, a tragedy written by William Shakespeare in the 17th century, expresses clearly the strong pull that desire for power can have over a man. Macbeth, the title character of the play, is often expressed as being the villain of the tragedy. However, through studying the play closely it is clear to see that, rather than being an innately evil character, Macbeth is in fact a tragic hero, doomed by fate from the start to descend into the madness which he did. Had it not been for his hamartia and his interaction with the witches and his wife then the play would have had a very different ending.Like every tragic hero in literature Macbeth suffered from a tragic flaw, or a hamartia. In his case, his flaw was his vaulting ambition, combined with a lust for power. Macbeth himself recognises this ambition in act I, scene 7 where he states in a soliloquy â€Å"I have no spur to prick the sides of my intent but only vaulting ambition†. This comment suggests that he knows that the on ly thing that prompts his actions is his ambition. While ambition alone is not in fact a bad trait, when added with a lust for power, this ambition can become dangerous. Did having these qualities mean that Macbeth was indisputably corrupt?No, they simply meant that he, like all human beings, had a flaw and a weakness. Indeed, at the start of the play, Macbeth was seen as the hero, being described as â€Å"brave Macbeth† in act I, scene II, and shown as a loyal and brave solider on the battle field. He is also frequently referred to as valiant by Duncan throughout the first act. That ambition always resided within him but did not cause a problem until the prophecy was made by the witches in act I. It was essentially the moment that the witches first cast the prophecy over Macbeth that sealed his fate forever.Without the witches foretelling his rise to power as Thane of Cawdor and furthermore as the future king of Scotland, the idea would never have occurred to him. He was ini tially a modest character, grateful of his position in life. However, once the witches planted the seeds in Macbeths mind they started to flourish and, given his hamartia, the idea wholly consumed him. Though initially he did not believe what they said, once he was granted the title Thane of Cawdor, he started to consider that it could possibly be true. There is a noticeable ifference in his attitude toward the prophecy before and after he is made Thane of Cawdor. Before, there is a clear disbelief in his approach, though it’s obvious that he hopes for it to be true. Where as afterwards Macbeth is starting to view his promotion to King as not just a possibility, but rather an inevitable truth. His desire for this power arose and his ambition started to take control. It was this moment that started his transformation from hero, to tragic hero. However, the alteration was a slow one and throughout the tragedy the Witches continued to contribute to Macbeths growing insanity.Thei r prophecies begun to dictate his every move. This reliance on the witches is seen in the final scenes of the play, where Macbeth shows increasingly reckless behaviour in the battle scene due to the witches’ prophecy that â€Å"none of women born would harm Macbeth† (act IV, scene I). He became enraptured by a longing for power, a desire that would not have consumed him so, had it not been for his interaction with the witches. For if the Witches had not come along, than it is certain that Macbeth would not have fallen victim to the clutches of madness like he did.However, it was not only the Witches who contributed to his mighty fall. For it was not until he wrote to his wife that the ambition fully started to form. If it was the Witches who planted the seeds, then it was Lady Macbeth who helped them to grow. In many ways, Lady Macbeth can be described as the driving force behind the murder of Duncan and thus also Macbeth’s transformation. It was initially Lady Macbeth who created the idea for the murder of the King. Whiles Macbeth had previously considered it, he had never come to a conclusion and had simply left things to see how they turned out.Lady Macbeth was the one who voiced the idea and who pushed it. In act I, scene 7 Macbeth had decided that he would not go through with the act, however he was convinced otherwise by his wife, who questioned his manhood through quotes such as â€Å"When you durst do it, then you were a man; And, to be more then what you were, you would be so much more the man† (act I, seven 7). She worked on Macbeth’s ambition and filled his mind with ideas of power. Combined with his tragic flaw, it was almost impossible for Macbeth to resist that temptation. It was ultimately Lady Macbeth who spurred him to murder Duncan.Macbeth was not a typical villain, for whiles he did kill people he felt guilt and remorse for his acts. In the scene following the discovery of Ducans murdered body (act II), Mac beth showed great difficulty in hiding his remorse. This contrasted with his wife, who could easily hide the truth and forge innocence. He was also aware of the consequences that could arise from his actions, as seen in the ‘if it were when tis done’ soliloquy in act I, scene 7. Most other villains created by Shakespeare did not suffer from this same form of guilt as Macbeth, guilt that eventually drove him crazy.This emotion is shown in the scene where Macbeth sees an apparition of Banqo at the banquet. This apparition was a reflection of his remorse for the crime he had committed and his fear of being caught. This guilt and knowledge of the consequences of his actions is one of the main things that separates’ Macbeth from a typical villain and helps make him a tragic hero. Macbeth was not an irrevocably evil character, but rather one who had flaws which he caved into. In the end, it was his hamartia and his interactions with the witches and his wife that shaped him into the tragic hero that he became.

Spiritual Gambler essays

Spiritual Gambler essays In 1888 T.S. Eliot said, "Only those who will risk going too far can possibly find out how far one can go". Only a few people have found out how far one can go. In William Shakespeares, Romeo and Juliet, Friar Lawrence proves he is a risk taker finding out how far he can go. He proves this to the world by marrying Romeo and Juliet, providing Juliet an escape from her second wedding, and his plan to unite the two lovers. It is because of these gambles that make his role the most significant throughout the play. Friar Lawrence's risk taking began when he secretly wed Romeo and Juliet. When Romeo first showed up at Friar Lawrence's door, the Friar knew nothing about Romeo's new love, Juliet. In fact he provides Romeo with some wisdom noting, "Is Rosaline, that thou didst love so dear,/So soon forsaken? Young men's love then lies/Not truly in their hearts, but in their eyes"(2.3.67-69). When Romeo told him he had channeled his love toward 13 year old Juliet that he had meet the night before instead of the former apple of his eye, Rosaline, he thought Romeos actions were made to hastily. Naturally, after Romeo asked Friar Lawrence to wed him and Juliet, the Friar thought Romeo was moving mush too quickly. The Friar agrees to marry the two lovers when he finds out that Juliet is from the Capulet family. He is fully aware of the feuding between Romeo's family, the Montagues, and the Capulets. He is willing to gamble that if he marries them, the feuding may stop. He tells*** Romeo about his id ea to stop the feuding, saying, "For this alliance may so happy prove/To turn your households' rancor to pure love"(2.3.94-95). This is one time where Friar Lawrence demonstrates his selfless motivations by marrying Juliet and her Romeo without consent of the parents. Marriage without the approval of the parents was usually not allowed at this period of time. Along with his gamble for peace, Friar Lawrence puts himself ...

The Essential First Step When Writing a Proposal

The Essential First Step When Writing a Proposal One of the most vexing considerations when writing a proposal is deciding what information to include and what to omit. And, we need to tier information so it is relevant and compelling. Here is the honest answer to determining what information to include in your proposal, and where to place it:It depends. Every proposal requires different content, sequencing, and even tone, depending on audience needs. Therefore, we have to approach proposal writing with a logical, step-by-step process that is built on audience needs.That's why templates are useful in proposal writing, but never definitive, and can get you in trouble. The Essential First Step When Writing a Proposal There is a first step every proposal writer should begin with, when writing every proposal, to determine what to include and what to omit: analyze your audience carefully. In essence, at this first most important point in the proposal writing process, you need to figure out your audience. Everything else - content, solutions, product recommendations, tone, and even pricing and presentation - hangs fully on audience needs. Defining your audience is the critical stage in proposal writing. At this point, don't even think about your company's technical knowledge or unique solutions; that will come later. Don't muddy the waters yet. What to Include and What to Omit When Writing a Proposal Always start with considering your audience.. Get a clear idea of them in your head before you plan solutions or write anything. Ask yourself questions about your proposal readers: How much do they know about your company and your solutions? Are they resistant or open to change or new process? Have you worked with them before? Are they cheap or willing to spend money to get a good solution? What are their pain points? What is most important to them about their pain point or issues? What is less important to them, but perhaps still relevant? Are they interested? Or, are they disinterested? Is your working relationship established and easy, or established and being reviewed? Are they knowledgeable about your industry in general? Etc. The answers to these questions frame everything else about your proposal. You will match proposal content directly to the audience. Always. A very common proposal mistake is to write what you, as the proposal writer, think is important about your solution or product. That may or may not be your readers' primary interest. It's an easy trap to fall into because we all know our products and solutions so well. It's natural to write from our own perspective, especially when we enjoy our work, believe in our solutions, and are knowledgeable and passionate about our subject. But, you will likely fail to meet your readers' real needs if you don't first analyze your audience. We always want to provide content that is relevant to audience needs. We can't do that if we don't first figure out our audience's perspective, experience, challenges, and needs. Defining your audience when you start to write a proposal is the essential first step that will help you know what information to include and what to omit, and also tier its importance, in the proposal. Match the information directly to audience needs. Be certain your first step when writing a proposal is defining your audience. I like to simplify this into two steps: Who will actually be reading the proposal? What is their "deal?" (Are they interested? Disinterested? Reactive? Affable but unable to commit? Cheap? Willing to spend money for value? Knowledgeable about the industry and solution? Are the readers a committee? If so, what is the "deal" with the members of the committee?...) Wrestle with these questions until you clearly understand your readers. Once you have your readers clearly in your mind, you will easily be able to determine what content to include, or omit. And, you'll know much more easily where and how to present it. First Things First Skip this important first step and your content can't possibly match reader needs or determine what information is most important. And, the proposal will likely be unfocused and over or under weighted with solutions or present irrelevant information. If content is not matched to your readers' needs, you are unlikely to earn the business. You can't determine the right content if you don't first analyze your reader during this first essential step to writing a proposal. Ready to master proposal writing? Close more business by enrolling in our onlineProposal Course. Receive instruction, templates, and feedback on each incremental step of the proposal you write during the course. Additionally, the last lesson includes individual coaching on the strategy and writing of proposals you write at work and a detailed review of the proposal you write during the course. You will fully master proposal writing in this course. Or, download our free guide onHow to Write a Proposal.

Writing Memoirsâ€What You Need to Know to Avoid Being Sued

Writing Memoirs- What You Need to Know to Avoid Being Sued Writing Memoirs- What You Need to Know to Avoid Being Sued Everyone wants to avoid being sued. Litigation is expensive, time-consuming, and incredibly stressful. Most writers don’t have much to worry about. The odds that they’ll end up in a courtroom for something they wrote are fairly low. Our First Amendment right to free speech offers significant protection to write freely. One exception to this rule is the world of memoir.The reason the memoir genre is compelling is because it’s fascinating to read the dirty details of others’ lives. Memoir authors usually don’t write about rainbows and sunshine, they write about the salacious. Abuse, sex, addiction, and family drama- it’s the Sturm und Drang that people want to read about. This is the primary reason why memoirs open the door for lawsuits.There’s a fine balance when you’re writing your memoir. Of course, it’s your story, and as such, you want it to be told without barriers. Yet, you need to consider those you’re writin g about. They may not want to be part of your story. And, in some cases, if you violate the law, they may have the right to retaliate with a lawsuit.We can all agree that there are better things to spend your book royalties on than exorbitant legal fees. Read on for tips to avoid going from published author to professional despondent. (Note: Our first disclaimer- this article does not constitute professional legal advice. For real legal advice, consult your real live counsel, rather than looking things up on the Internet.)1. Case Study: Running with ScissorsSince we’re discussing legal issues, it seems fitting to start with a case study on the issues of memoir, defamation, and invasion of privacy.Critically acclaimed author Augusten Burroughs published the best-selling memoir, Running with Scissors in 2003. In his book, he recalled his time living with the fictional â€Å"Finches.† His book recounted abuse, drug use, dysfunctional family behavior, living in squalor, an d other unsavory details any family wouldn’t want blasted all over printed pages.Burroughs claimed that while he did change the name of the family (in real life, the Turcottes), the harrowing details of his time spent in their care were true. The Turcottes filed a defamation and invasion of privacy torts suit against Burroughs and his publisher. The family asserted that Burroughs fabricated facts and violated their privacy.Burroughs’ defense hinged on his assertion that the facts, as he wrote them, were true; therefore he had not broken any laws. The parties settled out of court. As part of the settlement, Burroughs changed his acknowledgments to say the Turcottes had â€Å"conflicting memories† of the described events. Burroughs was legally obligated to amend his book acknowledgments to read as follows:I would like to thank the real-life members of the family portrayed in this book for taking me into their home and accepting me as one of their own. I recognize that their memories of the events described in this book are different than my own. They are each fine, decent and hard-working people. The book was not intended to hurt the family. Both my publisher and I regret any unintentional harm resulting from the publishing and marketing of Running With Scissors.2. Understand the ConceptsThe best defense is a good offense. In litigation that means don’t do anything that will get you sued. Before you publish your memoir, it’s important that you understand your rights to free speech, as well as defamation and invasion of privacy issues.First Amendment ProtectionThe First Amendment protects your right to free speech. This protection applies to both the spoken and written word.DefamationIn short, defamation is when you ruin a person’s reputation. Blacks Law Dictionary defines defamation as, â€Å"The taking from one’s reputation. The offense of injuring a persons character, fame, or reputation by false and malicious statements.† The term covers both libel (written) and slander (spoken).Only living people can sue for defamation, so someone can’t file a lawsuit against you for defamation through an estate or relatives.Invasion of PrivacyInvasion of privacy lawsuits hinge on public disclosure of private facts. Private facts are sensitive information that the average person would not want to share with the general public; for example, medical records, adoption records, abuse, alcoholism, etc. Just as with defamation, an invasion of privacy suit can’t be brought by an estate or relatives. Even if what you write is 100% true, someone can still bring an invasion of privacy suit based on public disclosure of private facts.3. Preventing a Defamation Cause of ActionThe best defense against defamation is the truth. Suppose you write that your neighbor was convicted of axe murder. He can’t bring a defamation suit against you if he was, in fact, convicted of axe murder. But if you write, â€Å"my neighbor could be capable of axe murder because he’s crazy,† then you’ve got some defamation issues.Practical Tips to Stay Out of Courtroom:If your facts will not hold up as 100% true in a court of law, you can open yourself up to defamation. Before you write, make sure to check your facts. You want to know that if you’re writing about something controversial, that you’re not fabricating the truth.The second tip to avoid defaming your memoir characters is to frame controversial statements as your opinion. Opinions are (*usually) legally considered â€Å"protected expression.† That said, there are parameters. You can’t simply state that blatantly false statements are opinions and get away it. Writing, â€Å"In my opinion, Sara Smith is a prostitute†- when Sara Smith is an upstanding mom and doctor- will get you in trouble. Your opinion needs to be balanced by evidence and supported by actual fact.The third tip t o avoid defamation issues is to change anyidentifying information about your book characters. In order to prevail in a defamation case, the defamed must prove others are able to identify him from your writing. A caveat: This doesn’t mean by name alone! People can claim defamation if one could reasonably identify them through their actions, clothing, quotes, physical appearance, address, or any number of identifying points.The fourth tip is that defamation rests upon subjective principles. When in doubt, err on the side of caution about disclosing details that may or may not be true. If you can’t defend the truth in a court of law, don’t publish it.The final tip is to print a disclaimer in your preface, intro, or acknowledgements. Simply by stating your memories are imperfect but you’re sharing to the best of knowledge and that you’ve changed identifies can stave off legal woes.4. Avoiding an Invasion of Privacy Cause of ActionJust as with a defamat ion lawsuit, an invasion of privacy lawsuit turns on subjective opinions to be decided on a case-by-case basis. This means that the individual facts of each case will decide the outcome.Common sense dictates that there are certain private facts, which a person would not want shared with the public. If a good friend had given up a child for adoption, and you were the only person she told, then disclosing that in your memoir would open the doors to an invasion of privacy lawsuit. The same would apply to sensitive information such as private health matters, abuse, addiction, or any information would not be readily accessible to the public.Certain public or high profile individuals may have less protection against invasion of privacy. The legal theory is that because they have opened their lives to public scrutiny, then the bar is lower for privacy protection. If unsavory facts can be classified as public interest, then you may be able to disclose certain things about public individuals . The crux of this issue would turn on whether your facts are related to a matter of â€Å"public concern.†Practical Tips to Stay Out of the Courtroom:There are several ways to avoid invasion of privacy lawsuits. Our first tip is to get written permission from your characters. If you obtain written consent, they can’t later file a suit stating you’ve breached their privacy.Our second tip is the same as with defamation: Change all identifying characteristics. Give your characters a different name, different job, different wardrobes- anything you can change to prevent them from being recognized by your words affords you a degree of protection. Some writers like to create an amalgam of characters to mix up identifying facts.Our third tip is tell the truth. Dont lie (or even embellish). It’s unethical at best; at worst, it can get you in legal hot water.Our fourth tip is carefully weigh the impact of disclosing inflammatory, sensitive, or embarrassing informa tion. Are such disclosures essential to your story? If so, tread carefully and use our rules for how to proceed with caution. If you’re on the fence, it’s always wise to run your concerns by a lawyer to head off any issues before you publish. Paying for an hour or two of legal time is far better than being a defendant in a court case.The best memoirs are brazen, open, and honest about life, even when the facts are tough to write about. Your obligation as a memoirist is to tell your story and honor the truth. By considering the impact of those in your real life and making efforts to protect them, you’ll avoid legal troubles down the line.Like what you read and want to learn more? We’re holding a FREE online workshop where Chandler is revealing the exact tactics and strategies he used to write and publish 6 bestselling books in a row†¦ and use them to build a 7-figure business in less than 2 years.Click here to save your spot now!

RFID Impact on Supply Chain Management Research Paper

RFID Impact on Supply Chain Management - Research Paper Example RFID works using small (sometimes smaller than a fingernail) pieces of hardware called RFID chips. These chips feature an antenna to transmit and receive radio signals. So-called passive RFID chips do not have a power source, but active RFID chips do. RFID chips may be attached to objects, or in the case of some passive RFID systems, injected into objects† Radio Frequency Identification (RFID) is a technology to recognize objects. This technology is for eternity classified as a technology similar to Automatic Identification and Data Capture (AIDC). AIDC consists of Barcodes, Biometrics and Smartcards. Apparently, RFID and Barcodes technologies are considered as one of the key drivers in supply chain management operations to categorize objects or merchandize at various workflow stages. In the intervening time, Biometric and Smartcard technologies are employed for access control procedures, banking and communication industry. The prime advantage of RFID technology is its ease of use and minimalism. RFID replaces barcodes and is a time saving, effective and reliable alternative. That is the reason why it is adopted and deployed in multipurpose applications i.e. Supply Chain Management (SCM), Inventory Tracking, Theft Protection, Location based Services, Electronic Health Monitoring for health care systems, RFID integrated travel documents, payment systems and context-aware applications. In recent years, this technology is flourishing robustly due to its extensive usability in upcoming technologies i.e. Ubiquitous Computing, Pervasive Computing, or Ambient Intelligence Solutions. RFID technology comprises of transmitters spreading electromagnetic technology in the environment to send and receive signals. The communication is conducted between two elements, transceiver and transponder. The radio waves propagation is emitted the form of electromagnetic waves and promulgate in speed of light. The applications of radio waves consist of Radar systems, Fixed Mobile and Satellite Communication, Media Broadcasting and Computer Networks. Radio waves can utilize different band of frequencies measured in Hertz (Hz) which represents the natural process of oscillation in waves. RFID technology utilizes Low Frequency (LF), High Frequency (HF) and Ultra High Frequency (UHF) from the electromagnetic spectrum. Light waves have certain limitations when passing through objects. On the other hand, radio waves travel through solid objects and opaque materials. RFID is implemented in many domains to improve business processes and supply chain management. RFID Usability Factor There is always a logical concept of analyzing RFID as a better substitute for the barcodes systems. However, the consideration of difference between these two technologies is imperative in order to deploy them successfully. Undeniably, RFID technology does not entail a line of sight to read the tags as compared to barcodes, where it is mandatory to identify the tag optically to scan it within a squat distance. Furthermore, in RFID technology, the space for data in a tag can be more than 100 bytes, which is far greater than the maximum space available in barcodes. The available storage space provides the freedom to assign identification numbers not only to a brand but also to each item individually. The valuable functionality of identifying multiple tags concurrently enhances the efficiency in any operational environment employing this

Development of Nationalism in East and Southeast Asia Essay

Development of Nationalism in East and Southeast Asia - Essay Example In terms of East and Southeast Asia, critics assert that nationalism is the process that gave rise to different nationalist movements in the region in the twentieth century. The aim and objective of these movements was to rebel against the colonial ideologies of the West.Nationalism is considered to be a process, which develops with respect to time; it does not emerge abruptly or unexpectedly. â€Å"It is not a phenomenon that appears suddenly. It is the result of a process by which a people become conscious of themselves as a separate national entity in the modern world, a process by which they become willing to transfer their primary loyalty from the village, or the region, or the monarch, to the nation-state† It is this perspective, which can be found in East and Southeast Asia. In order to integrate nationalism, several steps and measures have been adopted by the government. These measures include the suppression of opposition, the selection of a mutual language and the co ncentrate on economic growth in order to sustain and maintain liberty. Nationalism and Communism in Southeast Asia is the product of colonisation. The vast majority of the East and Southeast Asian countries were â€Å"controlled either by the British, French, Dutch, Americans or Portuguese, who sought to control unnatural boundaries and had no regard for the natives of those areas† After the end of World War II, majority of the East and Southeast Asian countries declared independence from the Western imperialist. For instance, Indonesian nationalists fought with the Dutch in order to get their independence. Philippine got it independence from United States; Vietnam got its independence from France after the Indochina war. In Vietnam, the French did not have the ability to withstand Vietnamese nationalism and thus, they adopted repressive strategies in order to control it3. Majority of the Vietnamese nationalist’s politic leaders and activists were jailed. Furthermore, opposition from Vietnamese nationalists made the French to remove them from government positions and to create hurdles and obstacles in their education4. Communism is considered to be movement, which concentrates on changing the social and political structure of the society. The change is brought by creating a society in which there is no class difference among the citizens, they can freely access the goods they need and wage labour and private property concepts are disregarded1. Frequently, nationalism and communism have crossed path. For instance, the civil war in China was between these two beliefs, which concentrated on controlling China. The Chinese Civil War started in 1947 and lasted for a period of three years. China was divided into two parts; Republic of China and the People’s Republic of China. The fifties witnessed Communist China, which had gained full control of mainland China4. During the struggle for independence in Vietnam, Vietnamese nationalists fled to China, where they were ignored. However, they provided assistance to them once they realized the advantage of Vietnamese nationalists; they could be used to spy the Japanese military activities in Vietnam. In the year 1945, â€Å"the Emperor Bao Dai abdicated to Ho.   Ho Chi Minh then formed a provisional government with himself as its president and Vietnam declared independence on 2nd of September, in the year 1945†1. During this time, the Americans feared the expansion of communism and thus, provided military

Development of Nationalism in East and Southeast Asia Essay

Development of Nationalism in East and Southeast Asia - Essay Example In terms of East and Southeast Asia, critics assert that nationalism is the process that gave rise to different nationalist movements in the region in the twentieth century. The aim and objective of these movements was to rebel against the colonial ideologies of the West.Nationalism is considered to be a process, which develops with respect to time; it does not emerge abruptly or unexpectedly. â€Å"It is not a phenomenon that appears suddenly. It is the result of a process by which a people become conscious of themselves as a separate national entity in the modern world, a process by which they become willing to transfer their primary loyalty from the village, or the region, or the monarch, to the nation-state† It is this perspective, which can be found in East and Southeast Asia. In order to integrate nationalism, several steps and measures have been adopted by the government. These measures include the suppression of opposition, the selection of a mutual language and the co ncentrate on economic growth in order to sustain and maintain liberty. Nationalism and Communism in Southeast Asia is the product of colonisation. The vast majority of the East and Southeast Asian countries were â€Å"controlled either by the British, French, Dutch, Americans or Portuguese, who sought to control unnatural boundaries and had no regard for the natives of those areas† After the end of World War II, majority of the East and Southeast Asian countries declared independence from the Western imperialist. For instance, Indonesian nationalists fought with the Dutch in order to get their independence. Philippine got it independence from United States; Vietnam got its independence from France after the Indochina war. In Vietnam, the French did not have the ability to withstand Vietnamese nationalism and thus, they adopted repressive strategies in order to control it3. Majority of the Vietnamese nationalist’s politic leaders and activists were jailed. Furthermore, opposition from Vietnamese nationalists made the French to remove them from government positions and to create hurdles and obstacles in their education4. Communism is considered to be movement, which concentrates on changing the social and political structure of the society. The change is brought by creating a society in which there is no class difference among the citizens, they can freely access the goods they need and wage labour and private property concepts are disregarded1. Frequently, nationalism and communism have crossed path. For instance, the civil war in China was between these two beliefs, which concentrated on controlling China. The Chinese Civil War started in 1947 and lasted for a period of three years. China was divided into two parts; Republic of China and the People’s Republic of China. The fifties witnessed Communist China, which had gained full control of mainland China4. During the struggle for independence in Vietnam, Vietnamese nationalists fled to China, where they were ignored. However, they provided assistance to them once they realized the advantage of Vietnamese nationalists; they could be used to spy the Japanese military activities in Vietnam. In the year 1945, â€Å"the Emperor Bao Dai abdicated to Ho.   Ho Chi Minh then formed a provisional government with himself as its president and Vietnam declared independence on 2nd of September, in the year 1945†1. During this time, the Americans feared the expansion of communism and thus, provided military

New procedure that physicians would like to adapt in the hospital Essay

New procedure that physicians would like to adapt in the hospital - Essay Example First, a new process must follow the ANA Standards of Practice and the Nurse Practice Act. Further, the process should uphold the rights of patients and also be safe. Second, the new procedure must be backed by relevant nursing theories and literature. The process must have a backing of conclusive information and data from reputable health sources like the nursing organizations. Having this would ensure that the procedure is based on evidence. The third step in determining the scope of the new process would be to evaluate the professional opinions of other nurses with similar professional training. The point implies that other nurses should propose such a process or approve it in case they are in a situation that it can be applied. According to the Texas Board of Nursing (n.d), nurses are supposed to follow ‘standard care practice’ in dealing with emerging situations. A new process must have a nursing remedy in case of further complications as a result of the new practice. Nurses should be in a position to accept any repercussion that emanate from the new process. Before following the new practice, the nurses must first determine the consequences and the applicable laws, should they violate the safe care doctrine. Introducing a new process to fellow practitioners and physicians is a tricky process. The initial step is to educate the physicians and the nurses about the rationale and the reasons for adopting the new practice and get their initial response towards the new process. When the concerned parties are in agreement about a new process, then implementation becomes easier. The physicians and nurses should be assured that the practice does not violate the professional terms that they all subscribe to. An awareness program should be created to educate the health practitioners on the specifics of the practice and the desired outcomes. It is important to educate them on the new practice since it does not exist in the current nursing

Small groups and Team communication Essay Example | Topics and Well Written Essays - 1250 words

Small groups and Team communication - Essay Example Every team leader and manager should be an expert in dealing with small groups to achieve success. â€Å"Individual commitment to a group effort -- that is what makes a team work, a company work, a society work, a civilization work† said Vincent Lombardi. The duty of every leader is to bring out this personal dedication from every person working under them. Every team member is like a horse tied to a chariot. The team leader should control this group of horses using ethics as the whip and identification plus appreciation as the carrot for the horses. As a charioteer, the leader is completely responsible for making his team win or lose the race. A leader has several responsibilities like understanding the specific problems associated with the project, running the team smoothly without any ego clashes, extracting the best from the new performer as well as the star performer, meeting the deadlines and the expectancies of the management without compromising the basic rights of the city clean team, etc. With the concept of global Village gaining popularity day by day, working with people from different countries in multicultural workspaces is unavoidable. When people from various races and countries join together to work in a single group, conflicts arising because of cultural differences are very common. For example, Americans consider it an honour to give each other enough space. They do not interfere in another person’s personal life. At the same time, people from traditional European countries consider it a symbol of friendship to act very close to each other. Handshaking is considered as the polite act in some cultures, while kissing on the cheeks while greeting a woman is mandatory in others. The same act is considered taboo in eastern cultures. Several conflicts might arise due to these misconceptions. It is up to the leader to run the team smoothly

Netflix & Qwikster Essay Example | Topics and Well Written Essays - 1000 words

Netflix & Qwikster - Essay Example The author explains the organization’s changes in its service delivery was too fast and elicited negative responses from its customers. The organization’s Chief Executive Officer, Reed Hastings admitted this in one of his interviews with Nightline. Netflix never reviewed the plan before its launch and it admits to have made a mistake in its communication of the change. The organization also offered an apology to its customers even though at least 600000 of the customers had recalled their subscriptions. The announcement that restricted Netflix to streaming and established Qwikster to handle DVDs-by-mail drew negative comments on the organization’s Facebook page and was fast because the organization had not even acquired ownership of the @Qwikster Twitter account. The company’s chief executive however explained that despite the weaknesses in communicating the change plan, an internal change to separating the two services was significant to improving the org anization’s service delivery. Netflix’s competitors such as amazon.com also utilized the period to make deals with content providers. The organization had however been successful since its establishment in the year 1997 with such milestones as DVDs-by-mail services in the year 1999 and live-streaming in the year 2010 (Effron, 2011). Woo also explains the case and offer complimentary details. Netflix was a highly regarded company and its Chief Executive Officer renown in the industry before the announcement to split itself into two independent organizations. This followed a previous announcement that increased the organization’s prices by about 60 percent. These factors had adverse effects on Netflix’s market control that transferred to its share prices. This influenced a change from the separation decision but the raised prices were retained. In addition to the fall in stock prices, that dropped by up to 60 percent, investors exerted direct pressure on th e CEO because of the changes that were announced. Analysts also degraded marketability of the organization’s shares, following the announcement, a speculation that could add to the declining stock prices at the time. Effects of such decisions that force an organization to make rescissions have however occurred in the past with organizations such as Coca-Cola, Pepsi, and Delta air (Woo, 2011). How Netflix chose to convey the business model change and what went wrong with the communication plan Netflix chose to communicate the business model through a formal decision by its executives. This is the company’s approach to decision making and informed the initial decision to split the company. The formal approach to the communication, as opposed to informal communications that the Chief Executive Officer makes in social media also communicates the official approach of the decision that must have been handled by the company’s executives. Deliberation among the executiv es, as occurred in deciding on the split, was therefore the strategy to deciding on the strategy for communicating the change model (Bevin122, 2011). Reaction to Netflix’s strategy to handling the public outcry, success in alleviating the perceived problem, and the organization’s image following the attempt to alleviate the perceived problem I believe that Netflix’s decision to rescind its initial plans for separating its

To what extent do the news media fulfill Habermas' definition of Essay

To what extent do the news media fulfill Habermas' definition of public sphere - Essay Example By saying meeting it does not necessarily mean practical meetings, but rather it refers to any forum in which citizens can be heard. This essay tries to explore the different ways in which televisions in particular promotes the idea of public sphere. Odugbemi (2008, p.15) agrees that since televisions are among the news media that visually present their news, they have been found to be the most preferred news medium. According to Habermas, public sphere is a domain in which public views and opinions are formed (Marx, 2002, p. 295). It can also be said to be an arena where people meet, share ideas regarding the public, discuss this ideas and finally come up with a public opinion. The arena can be looked at from different perspectives for instance it can be a particular place where people meet (social halls), or it can be an infrastructural communication facility through which individuals can exchange opinions (television). Habermas considers the public sphere to be a utility that prom otes participatory democracy, since democracy emphasizes on citizens’ right of expression. Marx (2002, p. 324) contends that good functioning of the public sphere stresses on good participatory of citizens in matters of the public like governance. Let us then make a critical analysis on the ways which televisions use to promote the public sphere, and how successful they have been. First we have to understand the fundamental role of TVs as we explore their public sphere promotional function. Odugbemi (2008, p. 33) asserts that televisions’ primary function is to let people be aware of new happenings across the globe. They provide important information to all the stakeholders in particular happenings for example in times of disasters. In disaster cases, they make the public aware of such a situation, so that citizens can know what to do. Sociologically, TVs act like a â€Å"social glue† which brings people together by giving them similar information regardless of their geographic boundaries. In public sphere promotion, they create a means through which citizens can share their ideas (Odugbemi, 2008, p. 37). If we consider a disaster case like in cases of fire accidents, TV journalists are always punctual and ready to inform the public about what had just happened. Einwiller, Carroll and Korn (2010, p. 299) asserts that through appropriate coordination, journalists liaise with presenters in the broadcasting such news. However, the fact remains that journalists are always not present on the happening of the accidents. Then how do they get to know what had happened? This can be done through journalists questioning the people who were present during the happening. They can even put them on camera as they give their account of what had happened (Hurvitz, 2001, p. 12). Through such sharing, the public can be able to estimate the causes of the accident and the effects. Televisions are among the best agents of public sphere promotions since their ev ents can be visually examined. According to Hurvitz (2001, p. 14) televisions have also presented people’s views during public demonstrations by giving people a chance to express how they feel about a particular issue of concern. Citizens’ public demonstrations can be of no use if they cannot be given a chance to express themselves. Their demonstrations can

Netflix & Qwikster Essay Example | Topics and Well Written Essays - 1000 words

Netflix & Qwikster - Essay Example The author explains the organization’s changes in its service delivery was too fast and elicited negative responses from its customers. The organization’s Chief Executive Officer, Reed Hastings admitted this in one of his interviews with Nightline. Netflix never reviewed the plan before its launch and it admits to have made a mistake in its communication of the change. The organization also offered an apology to its customers even though at least 600000 of the customers had recalled their subscriptions. The announcement that restricted Netflix to streaming and established Qwikster to handle DVDs-by-mail drew negative comments on the organization’s Facebook page and was fast because the organization had not even acquired ownership of the @Qwikster Twitter account. The company’s chief executive however explained that despite the weaknesses in communicating the change plan, an internal change to separating the two services was significant to improving the org anization’s service delivery. Netflix’s competitors such as amazon.com also utilized the period to make deals with content providers. The organization had however been successful since its establishment in the year 1997 with such milestones as DVDs-by-mail services in the year 1999 and live-streaming in the year 2010 (Effron, 2011). Woo also explains the case and offer complimentary details. Netflix was a highly regarded company and its Chief Executive Officer renown in the industry before the announcement to split itself into two independent organizations. This followed a previous announcement that increased the organization’s prices by about 60 percent. These factors had adverse effects on Netflix’s market control that transferred to its share prices. This influenced a change from the separation decision but the raised prices were retained. In addition to the fall in stock prices, that dropped by up to 60 percent, investors exerted direct pressure on th e CEO because of the changes that were announced. Analysts also degraded marketability of the organization’s shares, following the announcement, a speculation that could add to the declining stock prices at the time. Effects of such decisions that force an organization to make rescissions have however occurred in the past with organizations such as Coca-Cola, Pepsi, and Delta air (Woo, 2011). How Netflix chose to convey the business model change and what went wrong with the communication plan Netflix chose to communicate the business model through a formal decision by its executives. This is the company’s approach to decision making and informed the initial decision to split the company. The formal approach to the communication, as opposed to informal communications that the Chief Executive Officer makes in social media also communicates the official approach of the decision that must have been handled by the company’s executives. Deliberation among the executiv es, as occurred in deciding on the split, was therefore the strategy to deciding on the strategy for communicating the change model (Bevin122, 2011). Reaction to Netflix’s strategy to handling the public outcry, success in alleviating the perceived problem, and the organization’s image following the attempt to alleviate the perceived problem I believe that Netflix’s decision to rescind its initial plans for separating its

REFLECTION paper on Bilingualism, American Style (will fax chapter) Essay

REFLECTION paper on Bilingualism, American Style (will fax chapter) - Essay Example da who were already fluent in English; now immigration has steadily increased to include many diverse countries in which English may not be spoken at all. Data shows that in successive generation of non-English speaking immigrants, the tendency to embrace English as the primary language used has increased. Several factors are cited for this trend, including the fact that society has placed a stigma on the use of any language except for English; this is only combated when immigrant families maintain their heritage language at home and when specific cultural groups occupy their own neighborhoods (for example, Chinatowns). Where a few decades ago schools in the United States did not have any real need to include secondary English language classes or primary foreign language classes into their curriculum, now 1 in 5 students in America is either a foreign-language immigrant or the child of one. This means that the call for updated language classes is much more demanding, particularly when English remains the only official language used in the United States. In 1968 the Bilingual Education Act focused on Native American groups and other minority language groups like the Chinese; these reforms were minimal, however, and the modern classroom finds them very lacking. Half of the country’s population growth in the 1990’s came from non-English speaking immigrants or their children, and while such groups traditionally have held onto their cultural and language differences while living in America, now we are seeing that more and more of them feel the need to take on English as the functional language of their country of business. While non-English speaking immigrants and Native groups that reside in rural areas of the United States tend to hold onto their own languages more stubbornly that their counterparts in urban areas and cities, all of them have increasingly made an effort to integrate in terms of language. According to demographic and linguistic data

Hdfc Bank Essay Example for Free

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 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 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. 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 Indias 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 Indias 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 types 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 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 CollectionsFree RTGS Transactions: Payments-Free CollectionsFree Local Transactions (At home branch location) : Local cheques collections paymentsFree 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 bankCollection: 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 locationMaximum Rs.100, 000/- per day. Charges @ Rs. 3/1000, min Rs. 50 2. Cash Withdrawal Cash Withdrawal-Home BranchFree at Home Branch Cash Withdrawal-Non Home Branch-Intercity IntracityFree 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 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 quarterCharge 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: PaymentsFree CollectionsFree RTGS Transactions : PaymentsFree CollectionsFree 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 BankFree Payments Collections at HDFC Bank LocationsFree 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 bankRs. 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 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 quarterCharge of Rs.900/- per quarter, if AQB is less than Rs.25, 000/- Cheque Book Charges (Issued by Bank) Payable-at-par100 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/RevalidationRs.50/- per instrument NEFT/EFT Transactions: PaymentsFree Collections-Free RTGS Transactions: PaymentsRs. 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] TransactionDynamic 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/RevalidationRs.50/- per instrument NEFT/EFT Transactions: Payments-Free CollectionsFree RTGS Transactions: Payments-Free CollectionsFree Local Transactions (At home branch location) Local cheques collections paymentsFree Account to Account Fund Transfer within HDFC Bank-Free Anywhere Transactions (except Dahej) Account-to-Account Fund Transfer within HDFC BankFree 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 BranchFree. 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 CollectionsFree RTGS Transactions: PaymentsFree Collections-Free Local Transactions (At home branch location) Local cheques collections paymentsFree Account to Account Fund Transfer within HDFC BankFree Anywhere Transactions (except Dahej) Account to Account Funds Transfer within HDFC BankFree 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 / RevalidationRs.50/- per instrument †¢ Cheque Collection Outstation through own bankFree †¢ 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 BranchFree 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 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 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