A Day Of Celebration And Honor - 2684 Words

The setting was January 1937. Nazism was escalating and there were whispers of another ‘Great War’ on the horizon. The Dutch people were holding on to the hope that their neutrality would be honored as it was after the last ‘Great War’. Although, this was not to be the case, this day was a day of celebration and honor. The ten Booms were a well-respected family that lived in the Dutch city of Haarlem, as their fathers had before them. The family operated a small watch shop from the first floor of their home on Bartheljorisstraat Street. Their home, known locally as the Beje, had been in their family for generations. The family had gathered to celebrate the hundred year anniversary of opening the watch shop. This was a great day to†¦show more content†¦At the ten Booms residence it would never have crossed their minds as to whether they should open their doors to ones in need. Even before the war, the family had raised eleven foster children in a Christian home with morals, values and integrity (21). As it was to unfold, the ten Booms became increasingly involved in the underground movement in an attempt to save Jews from Hitler’s cruel eugenics movement. Pickwick assisted the ten Booms to find places of hiding from the Nazi death camps, food cards to sustain them, and aided in the set-up of alarms and security around the house. The ten Booms didn’t begrudge the Jews their religion, though different from their own. They embraced it and merely did the right thing. However, on February 28, 1944, the ten Boom family was betrayed and the Beje was raided. The six people in hiding were able to escape into the upstairs hiding space in time due to all of the practice drills, alarms and such to ensure their safety. However, the ten Boom family members were caught and taken in for interrogation by the Nazis. Corrie, Casper, Willem, Betsie, Nollie, and her husband Peter van Woerden were then imprisoned during this Gestapo raid on the Beje. The six family members were transferred from the Haarlem jail to the Scheveningen prison. From there, Corrie and Betsie are transported by train to the Vught Concentration Camp. On the train the two sisters areShow MoreRelatedThe Celebration Of A Girl1416 Words   |  6 PagesA quinceaà ±era is the celebration of a girls fifteenth birthday. It is a huge celebration in the spanish culture. It is first step into womanhood, for a girl. It gives thanks to God thanks for his blessings, and to present a young lady to t he community. In the United States, this occasional celebration would be called a â€Å"sweet sixteen†, even though it’s not a fifteenth birthday. The way this was celebrated in mexico is a little different than when hispanics celebrate it in the United States. TheRead MoreDia De Los Muertos Informative Speech Outline1016 Words   |  5 PagesWhen most people think of how to honor the dead, right away they think of mourning but the indigenous people of Mexico had a different idea. Instead of mourning, they think of honoring the dead as a celebration with dancing, food, and reminiscing. The name of this celebration is called Dia de los Muertos, or Day of the Dead in English. II. Relevance to the audience: Everyone has had a loved one or someone they know pass away and have gone to the cemetery to honor their death, which is why Dia deRead MoreNarrative of Quinceanera910 Words   |  4 PagesProfessor Abra Mcdowell July 14, 2010 From a Little Girl to a Young Woman . The day of my Quinceanera started early. I had just turned 15 and it was the birthday I had always dreamed of. I was always a dama in other Quinceanera’s, but now it was time for my own celebration. In Mexican culture, a dama is just like a bridesmaid. I had 14 of my closest friends as my dama’s to be a part of my â€Å"court of honor†. All 14 girls wore beautiful hot pink dresses and had polished hairstyles. The girlsRead MoreThe Day Of The Dead1166 Words   |  5 Pages The Day of the Dead is a unique Mexican holiday celebrated with many different customs and traditions throughout Mexico. This holiday focuses on the gathering of family and friends to pray for people close to them who have died and help them along on their spiritual journey. Every year, starting on October 31st, Mexican people begin their annual three-day celebration of The Day of the Dead or El Dà ­a de los Muertos. The holiday takes place over a course of three days, October 31st, November 1stRead MoreEssay on Christmas Traditions Around Th1170 Words   |  5 Pageschildren go from house to house knocking on doors and singing Greek songs that tell of the arrival of the Christ child. The family celebration focuses on a Christmas Eve dinner, which, in the Greek Orthodox tradition, follows several weeks of fasting. According to legend, mischievous, often hideous looking elves called Kallikantzaroi wreak havoc in houses for the next 12 days. Burning incense or leaving a peace offer ing is supposed offer some protection against the elves. Most families decorate a smallRead MoreArgumentative Essay On Christopher Columbus Day1630 Words   |  7 Pagesyears. Since 1937, the US has used this â€Å"discovery† as a holiday known as Columbus Day to celebrate a man who established the beginning of colonization of the New World. While Columbus did begin the colonization of the Americas, he was not the one who discovered them. History tends to be told from the privileged perspective which is why it’s taught that Columbus discovered these lands. The celebration of Columbus Day promotes the idea of colonization and the marginalization of Native Americans; peopleRead MoreBrazilian Carnival : The World s Most Notorious And Humongous Parties1329 Words   |  6 Pagesmost notorious and humongous parties. Carnival (actually Carnaval in Portuguese) is a wild celebration of food, alcohol, music and fun. Carnival is held all over the country; celebrations differ a bit by region, but Rio de Janeiro s celebration is the most popular, drawing crowds of 500,000 foreigners annually from across the globe. It s held annually for a few days before the start of Lent, the 40-day period of fasting, abstinence and repentance that s observed by the Roman Catholic Church beforeRead MoreThe Holidays of Suriname625 Words   |  3 PagesSuriname take their holidays and other celebrations very seriously. Suriname celebrates many of the same holidays as the rest of the world, but also celebrates many of their own holidays. Phagwah Day is a very popular Hindu holiday, celebrated in Suriname. This holiday is celebrated on the last full moon of the lunar month, known as Phalguna. Phalguna is the twelfth month on the Hindu calendar, the same calendar that governs the Hindu religious life. Phagwah Day is celebrated all over the country atRead More Sir Gawain and the Green Knight Essay1063 Words   |  5 Pagesanonymous author some time during the fourteenth century, reflects many of the religious, political and social aspects illustrated in other literary works of the time. The author, a contemporary of Chaucer, lived during a time when gallantry, loyalty and honor defined a true man. During this period, Christianity was prevalent, and inherent human weakness was commonly accepted. The author begins the poem with the mention of the siege and destruction of Troy, said to be a result of the traitorous acts ofRead MoreThe Day Of The World War I1370 Words   |  6 Pagesbe an honorary day, Armistice Day, for all military personnel who had died defending the United States of America. Armistice Day was the first national recognition and important step towards the care and honor of those who had served protecting the country. Years later in 1938, Congress passed the 11th of November as a legal holiday; in 1954, the holiday was renamed Veterans Day to include an honoring to all military personnel and committees (â€Å"Office of Public Affairs†). Veterans Day was a highly respected

Chinua Achebe s Life Of Literature - 999 Words

Portfolio Essay: Chinua Achebe Chinua Achebe is a renowned Nigeria novelist lauded for his work in literature. Chinua Achebe has been credited with numerous works of literature ranging from novels to journals. His work cuts across borders, making huge success and accepted globally in the world of literature. Even critics had to accept Chinua Achebe is the greatest our time, such was Charles H Rowell a literary critic issued in Callaloo a reputable magazine. There was no surprise when Chinua Achebe won the 1972 Commonwealth prize, he obviously deserved it, following his contribution to the world of literature. He has also been awarded an indefinite number of doctorates in various educational institutions across the seven continents (Africa). First, Achebe was born in the Ogidi eastern part of Nigeria. He was born thirty years before Nigeria got her independence from the British government on November 16th, 1930. A day marked historically in African calendar. He was raised in the Chris tian faith, even though Christianity as a religion was somewhat new in the community. Achebe, as a kid was interested in the local religions of the community as those, seem appealing to him through his friends. He participated in some of the traditional religion activities such as festivals and parades. Achebe in high school was exposed to the writings of several authors, most English writers probably due to the colonization ofShow MoreRelatedChinua Achebe s Life Of Literature830 Words   |  4 Pages Chinua Achebe is a renowned Nigeria novelist lauded for his work in literature. Chinua Achebe has been credited with numerous works of literature ranging from novels to journals. His work cuts across borders, making huge success and accepted globally in the world of literature. Even critics had to accept Chinua Achebe is the greatest our time, such was Charles H Rowell a literary critic issued in Callaloo a reputable magazine. There was no surprise when Chinua Achebe won the 1972 Comm onwealth prizeRead MoreImperialism In The 19Th Century Resulted In European Countries1726 Words   |  7 Pagescontrolling the social and cultural lives of natives in African countries.When Chinua Achebe published Things fall apart in 1958, a novel criticizing the European aspects of imperialism, his aspiration was to teach readers that â€Å"their past-with all its imperfections-was not one long night of savagery from which the first Europeans acting on God’s behalf delivered them†(Chinua Achebe on the Role of the African Writer, 1964). Chinua Achebe helped change the western perception of African culture by using theRead MoreIgbo Culture : The Igbo People1643 Words   |  7 PagesUnpiled Chi Quote: The Igbo culture relies on a man trusting his gut.   As the proverb says, When a man says yes, his Chi says yes also (Achebe 19). My Ideas: The Igbo people refer their Chis their own personal god. A man should trust his own gut and mind in the Igbo society and they know that his Chi will agree with what he do. This is also saying that men should be responsible for their actions because ofthe fact that their Chi will always agree with them and cannot change their mind. Read MoreThings Fall Apart By Chinua Achebe1415 Words   |  6 Pagespivotal in the development of a young mind and the book Things Fall Apart by Chinua Achebe does just that. This book should be taught in schools because it shows the values and traditions of Achebe’s Igbo culture, persistently teaches life lessons throughout the book, and shows the darker reality of European colonialism in Africa. Chinua Achebe is known as one of the most influential and famous authors to ever write. Chinua Achebe originates from an Igbo background and he expresses that through his writingsRead MoreDead Men s Path By Chinua Achebe940 Words   |  4 PagesWRT-201 November 11, 2014 Mena Mahany Dr. Tomko Dead Men’s Path The real world is objectively studied; so, we must step down from the ivory tower of institutional education and experience empirical quandaries. The short story, Dead Men’s Path by Chinua Achebe is a lesson learned parable that accepts the secular sciences for its progressive teachings. The main character Michael Obi embraces an intellectual prophet persona that he arrogantly flaunts in order to sensationalize his new promotion as headmasterRead MoreBiography of Chinua Achebe2083 Words   |  9 PagesChinua Achebe: Africa most beloved author The Prominent Igbo writer, famous for his novels describing the effects of western customs and values on traditional African society. Achebe’s satire and his keen ear for spoken language have made him one of the most highly esteemed African writers in English. Chinua Achebe was born in eastern Nigeria on November 16, 1930 Isaiah and Janet Achebe (Bucker pars.1). Isaiah Okafor Achebe was a catechist for the Church Missionary Society and his wife to traveledRead MoreChinua Achebe : The Invention And Mastery Of Modern African Literature1695 Words   |  7 Pages In her essay Chinua Achebe: The Invention and Mastery of Modern African Literature Emeka Aniagolu labels Chinua Achebe as â€Å"the single most important literary figure in modern African literature† (1). Aniagolu goes on to praise Achebe as â€Å"perhaps the most well-known, most widely read, most translated, and most widely respected modern African writer, novelist and polemical essayist†, especially considering he as been crowned as the inventor of modern African literature (1). The praise he has receivedRead MoreA Civilization Falls Apart Essay1167 Words   |  5 PagesMost of what we know to be African Literature, talks about the changes from an un-dignified lion -chasing culture to that of a semi-dignified European society. The novel Things Fall Apart by Nigerian-born author Chinua Achebe, tells the story of a Umuofian villager named Okonkwo, and how Okonkwo has to come to grips with the changes that are happening in everyday Ibo life. The novel Things Fall Apart is not your typical tall African tale. The novel is a story, a story not just about one personRead MoreChinua Achebe : The Invention And Mastery Of Modern African Literature1595 Words   |  7 Pages2015 TITLE In her essay Chinua Achebe: The Invention and Mastery of Modern African Literature Emeka Aniagolu labels Chinua Achebe as â€Å"the single most important literary figure in modern African literature† (1). Aniagolu goes on to praise Achebe as â€Å"perhaps the most well-known, most widely read, most translated, and most widely respected modern African writer, novelist and polemical essayist†, especially considering he as been crowned as the inventor of modern African literature (1). The praise he hasRead MoreThe Book Things Fall Apart Is One Of Africa’S Most Significant1601 Words   |  7 PagesAfrica’s most significant works of literature. Because of its unique spin on European colonialism from an African tribesman’s perspective and its eloquent use of Igbo vocabulary, the volume continually draws in readers from various backgrounds and locations. Attention to detail and foreshadowing are common throughout the book; zeroing in on certain motifs an d themes relating to African culture. One motif examined throughout the novel is chi. Author Chinua Achebe expresses the conflict between whether

America Is In The Heart Free Essays

I. Authors Biography Carlos Bulosan is said to be one of the earliest and most influential of Asian American writers. 1 He was a Filipino born on November 2, 1911 in Pangasinan to a rural and peasant family in the village of Mangusmana located near the town of Binalonan. We will write a custom essay sample on America Is In The Heart or any similar topic only for you Order Now His family strived to make both ends meet to make a living and send their children to school like many other Filipinos at that time of economic turmoil; brought by the increasing wealth and power possessed by the elite. Carlos, committed to help support his family, went searching for a better life for himself, continued his education, and made the choice to travel to America with high hopes to reach his ambitions. II. Summary American is in the Heart is the autobiography of Carlos Bulosan, who begins his story by narrating his childhood life in his town Mangusmana. He lives alongside his father in a farm where they both work in. On the other hand, his mother lives in the city with one of his brothers and younger sister. Because of this living arrangement, Carlos has never met some of his older siblings. One of the sons Macario is said to be â€Å"the hope of the family†. They hope that when he graduates he will return home and find a teaching job to help support their family and pay their debts. He attends high school in another village, and because of this their family pawns their land one hectare at a time in order to compensate for his expenses. Unfortunately, things don’t go as the family hopes for and Macario loses the teaching job. Due to the harsh economic conditions at that time, children like Carlos were working and doing what they could to help support their families. Carlos, at five years of age eventually moved to Binalonan to work in the fields. His salary goes to his mother for paying the moneylender, and to Macario’s schooling. When he isn’t working the fields, he is with his mother, assisting her with her barter business that allowed him to travel to  neighboring villages with her. In these villages, Carlos observed the middle class and their way of life, and later on he grows a loathing towards them. Whilst in the Philippines, Amando, Macario, and Carlos were made to believe that America stood for equality and justice, and ultimately they all separately make their journey to America. Upon their arrival in America, they are faced with the brutal reality of the great exploitation that the Filipinos are subjected to by the Whites. Carlos is amazed by ruthlessness and inhuman treatment that the Whites have shown toward Filipinos, and is forced to move place to place due to one misfortunate event after another. Carlos struggles to sustain a job with a close to nothing salary and with unsanitary living conditions, but his job and stay is always immediately cut short when conflict stirs between Filipinos and Whites forcing him to flee to another town. To add to his pitiful state, many times he is beaten and assaulted because of the discrimination the Americans have toward the Filipinos. Ultimately Carlos and his companions develop a sense of activism, and fought for the Filipinos and their rights in Filipino labor and rights movements. Their effort to assemble the workers brought them right into the conflict involving agricultural interests. Their labor movement ultimately became associated with revolutionary units. In the succeeding events of his life, Carlos is diagnosed with tuberculosis, and was said to been confined in the hospital for a period of two years. Once he was released, he and his friends grew to be greatly involved in the movement for Filipino civil rights. They then assembled a group of Filipinos with the ambition of achieving American citizenship for Filipinos in America. Unfortunately their efforts were not enough and they loose the fight. When the time came that World War II erupted, Carlos and his fellow Filipinos were prohibited from enlisting in the army. Even to the point where the Philippines was being occupied and seized, they were still disallowed to enlist. Due to this, the Filipinos where forced to start a movement fighting for their desire to join the armed forces, which eventually resulted with the United States president giving a special proclamation that would allow Filipinos to do so. III. Analysis America Is In the Heart being an autobiography novel, it didn’t have that much symbolism. It was a straightforward novel and the author Bulosan, narrated the events of his life clearly and vividly. Throughout the story, you can’t help but feel sorry for him (Buloson) and all the tragedies and struggles he encountered. To rate this novel, I would say that I have nothing too criticizing to comment about it. The plot is very similar to other stories involving the struggles of Filipinos whilst under the power of oppressors. Overall, the novel was a good reminder and eye opener on the reality of discrimination showed toward Filipinos, which is still very much relevant today. Also, it reminds us of the strong fighting spirits that Filipinos possess. This novel is certainly a good piece of literature that is purely and truly Filipino. IV. Insights The life story of Carlos Bulosan in â€Å"America In The Heart† is something I can greatly empathize with. I like himself, went to America at a very young age of nine, with a hopeful heart that America was a land of opportunity. In school I was thought that America fought for equality and everyone was given the same opportunities. I thought, I could go see all the places that I saw in movies, and I generally thought my family and I would have a better life. My naà ¯ve nine-year-old heart was shattered after a few months, when I learned that America isn’t all that beautiful, as it seemed, especially for Filipino Migrants. Finding work was hard even with an undergraduate diploma. Filipinos were looked down on because of how â€Å"uncivilized† the Philippines was. And based on observation, some Americans really do tend to show a bias toward Filipinos. At that point, I then missed our comfortable home and lifestyle back in the Philippines. We had time to go out with the family and enjoy the good things in life; while in the States my parents rarely were home at the same time due to work, and the main agenda was paying the bills. Sometimes we Filipinos complain a whole lot about our country. We aspire for  the western life, and what it can give to us. I think a big reason why this is so, is because throughout history we have always been so oppressed by these western nations. We were made to believe that these nations will always be better, but if there’s one thing that I’ve learned it’s that: we Filipinos are hardworking, loyal, and God fearing people, and possessing these attributes bring us far and past the hardships given to us. How to cite America Is In The Heart, Papers America Is in the Heart Free Essays America Is In the Heart Summary The plot of America is in the Heart parallels its author’s personal experiences. The protagonist, who is also named Carols (though he goes by the nickname ‘Also’ when In the Philippines and tells others to call him ‘Carl’ while in the united States) Is a young boy working with his father on their farm in the Philippines at the book’s opening. After a period of working throughout the island of Luzon Carols immigrates to the united States, where he continues to work as a migrant laborer until he realizes he is capable of writing in English and pledges to bring his family members jack to life through the written word. We will write a custom essay sample on America Is in the Heart or any similar topic only for you Order Now He also often uses literature to connect with the united States Itself; Carols reads classic American authors like Whitman and Melville in an attempt to discover and understand a side of the united States far removed from the prejudice and pain of the American society he found himself in. On one occasion Carols and some acquaintances were attacked by a group of white men for no reason other than their race, only to be greatly aided by the white men and women working in a hospital. Walking down the marble stairway of the hospital, I began to wonder at the paradox of America. Joss ©Ã¢â‚¬â„¢s tragedy was brought about by railroad detectives, yet he had done no harm of any consequence to the company. On the highway, again, motorists had refused to take a dying man. And yet in this hospital, among white people– Americans like those who had denied us– we had found refuge and tolerance. Why was America so kind and yet so cruel? Was there no way to simplifying things in this continent so that suffering would be minimized? Was there no common denominator on which we could all meet? I was angry and confused, and wondered if I would ever understand this paradox. (Bulbous 147) The rod â€Å"paradox† perfectly summarizes Carols’ experiences in the United States. Like Carols searched for America through the works of great American authors, the reader can look through Bullion’s work and glimpse at an early 20th century America in conflict with itself. The 1 united States, which had Just entered the long years of the Great Depression when Carols arrives In Seattle, is revealed In the novel as consisting of two very different halves, and Carols is constantly vexed by the inconsistent nature of the United States. In America Carols experiences both great kindnesses and great realties, often within the same moment, and this strange combination often drives Carols to tears. He experiences no shortage of prejudice in the united States, and the results of these prejudices range from verbal slights to severe physical and sexual abuse. Yet despite the many hardships and prejudices Carols faces, he comes to think of America in a very positive light?the kindnesses he benefits from in the United States combine with a more intangible sense of hope in the potential of America. Within Bullion’s work the reader finds tropes that should sound familiar to anyone who has taken elementary school American history classes; there is assurance and a faint tint of pride in the possibilities of America; by the end of the novel Carols has faith that this is a nation where great things can and do happen, and he ends the novel by stating that nothing will ever take this faith from him again. By recognizing the two halves of this paradox and forgiving the united States for its comes to with his various inconsistent childhood and adult perceptions of America. His ability to not only make these understandings but allow them to evolve throughout his time in the United States makes Bulbous a credible and fascinating source of information on the America that he lived within and further complicates the already tangled and wide-ranging opinions of what the word â€Å"American† should mean at all. By allowing his audience to peek into his experiences through his protagonist and namesake, Carols Bulbous shows how America both defines and is defined by the masses who venture onto its shore in an attempt to find the lives they were meant to live. The Small Key Summary â€Å"The Small Key† is a beautiful account of the feeling of a man, whose first wife died, ND his second wife. As the story opens Lateran describes in a few lines the rural setting of the story. The man and his wife live far from any neighbors. Their house is surrounded by wild bamboo. Her husband is a very hard working prosperous farmer. They are having lunch and the man cannot linger as the fields need plowing. His wife is not feeling well so as he leaves he tells her he will ask Tia Maria, an aunt or a neighbor, to stop by. Once the husband is gone the wife begins to fold his coat. A small key falls to the floor and the woman, in her late twenties, looks almost old. She tries to throw herself into her work on the laundry but her eyes keep going too small trunk in the corner of the room. She knows in that trunk are the clothes of her husband’s late first wife. She tries to tell her self what does it matter if her husband keeps the clothes of his first wife, after all she is dead. She begins to wonder why her husband feels he has to carry to key to the chest with him in his coat when he leaves the house. When the husband arrives home happy that the plowing is completed, Tia Maria meets him at the gate and tells him his wife is sick. The Small Key† is a short story by Philippine author Pas Lateran. It is about a woman named Solaced who is married to a man named Pedro Bubby. They live on a farm. One morning Solaced finds herself knowing that the farm will produce plenty but that she still had some inner feeling of discontent. She planned to mend some of her husband’s shirts, which were in a locked trunk. Pedro took out from his pocket a string which held two keys, one large and shiny and one small and rusty. He gave Solaced the large key to his trunk and put the small key back in his Jacket pocket. Since it was hot that morning, he removed his coat before leaving to work in the field. When he was gone, Solaced began to fold the Jacket and the small key fell to the floor. It is obvious that Pedro values the small key while Solaced fears it. Solaced knows that the small key is a key to a different trunk. She tries to busy herself so that she will not think about what the smaller trunk contains, but she cannot stop thinking about it and reveals that the small trunk contains clothing that belonged to Padre’s first wife. She wonders why it is that he keeps her old clothing and why he seems to eave a special feeling about them. She obviously fears that Pedro still loves his first wife even though she has been dead for many years by now. She reveals that she hates the things in the small trunk and worries that they will destroy the relationship of the small trunk, Solaced opens it. At this point, Pedro returns home to find Solaced in bed supposedly with a fever. It turns out she does not. The next morning Pedro discovers a pile of ashes and half burnt clothing in the backyard. He realizes what Solaced has done and rushes to look in the trunk to confirm it. Solaced has indeed, earned his first wife’s clothing. Pedro is angry and bitter that this has happened and he expects that Soloed will explain things later. He thinks to himself that he will forgive her because he loves her but that even if she did it out of love for him, it will always remain a matter of some resentment toward her for doing it. The Summer Solstice Summary â€Å"Summer Solstice† is a short story that has received recognition both critical and praising. Written by Nick Joaquin, the story takes place in sass Philippines during the festival days of SST. John. There is a pro-woman feel to the story, which has rendered a lot of debate and attention considering the setting is in a time where women must be submissive. In this analysis, learn about the setting, the themes and symbolism that this short and interesting story incarnates. The Train, or otherwise known as the Tartaric, was a three day festival that celebrated a ritual of fertility. This was done only by women. Many men frowned upon the extravagant dances and plays surrounding the ritual. â€Å"Summer Solstice† is set during the three days of the SST. John’s festival. Lupine, a Filipino woman who feels closed to her womanhood, is aired to Paean, who is no doubt loyal to her. They have three small boys and live a somewhat wealthy life as they have a Cambridge driver named Entry and a maid and cook named Mad. Guide is a cousin of Paeans who comes back to the Philippines after studying in Europe. The story starts when the family is enjoying the days of the SST. John’s festival until Guide makes suggestive comments to Lupine, and even bending down to kiss her feet. This makes her leave abruptly and have a discussion with her husband the coming night. Lupine secretly found herself intrigued by the attention of Guide; she felt that he was correct in saying that women should be ravished and men should adore them. This causes her to participate in the last night of the festival, which is the Train ritual. Paean goes with her and tries to drag her back once the dancing begun, but she runs from him to the women. He tries to take her back but the women in the crowds beat him out, leaving him helpless. As the two return home, Paean says he must whip his wife because he loves her and feels that she needs to be put in her place. To this, she shouts and says she wants to be adored, not respected and orders him to kiss her feet. How to cite America Is in the Heart, Papers

Warehouse Management Report free essay sample

It is a major portion of the  chain system of supply  and mostly focuses to regulate the flow, goods storing inside a  warehouse  and process the linked transactions. It also includes shipping, receiving, put away, delivery and picking. WM’s main focus is to regulate the movement storage of goods with receiving, loading, picking within a storeroom. Today WM is widespread unit compare than legacy system entered into every business and country of the world. Today picking, packing, shipping are involved in WM system. 2. The benefits that it offers: * Rapid inventory turns:  It controls inventory flow and thus reducing times.It also improves the accurateness of inventory accounts and this way supports a Just In Time environment. Because of this, the requirement of Buffer stock decreased. This benefit maximizes inventory totals and use of working capital. * Extra use of Warehouse’s available space:  To reduce buffer stock needs, this system rise free space of warehouse. We will write a custom essay sample on Warehouse Management Report or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page It locates items in well manner so that one can easily find items related to reception, plant, packing, and delivery points in free space of warehouse. Now with this improved productivity, it reduces costs of inventory stock considerably.

Understanding counselling theory free essay sample

In this assignment, I will be explaining in more detail; the person centred model of counselling, used primarily during this Level 3 course. The concepts and principles of the model and who was responsible for them. I will be seeking the value of the person-centred model and pitting it alongside its counterparts. I shall discussing two other models, their key features and uses and compare and contrast with the person-centred model of counselling. In doing so, this will raise my knowledge and awareness, of the person-centred model and other models used within counselling. I feel it is  important, to have a solid theory foundation of all the counselling models, methods or techniques and the reasons a chosen model, would inform the practice of a qualified counsellor, before attempting to use them. I hope to discover the value, similarities and differences of these models in more depth and where they can be effective in the counselling environment. We will write a custom essay sample on Understanding counselling theory or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Origins of Person-centred Counselling. The beginnings of person-centred approaches can be attributed to the work of an American psychologist Carl Rogers (1902-1987) and the how he developed what he termed as client centred therapy. His ideas and those of like-minded others were developed in America and then moved across to the UK. One of these like-minded individuals was Abraham Maslow (1908-1970) also an American psychologist influential in what was known as Third Force psychology. This was a movement that attempted to foster a humanistic approach to psychology, focusing on happiness and well-being. Maslow began as a behaviourist and his main contribution is the hierarchy of needs, a theory of needs that govern the human behaviour. These psychologists sought to move away from scientific and psychoanalysis approaches; of Freud (1856-1939) an Austrian Jewish doctor, who formulated theory of personality and psychological function, relating it to sexual repression in early childhood and his colleague Carl Gustav Jung (1875-1961). Rogers believed that if a client was fully listened to and heard by the therapist, that they had the resources within themselves to find their own solutions to their problems. Rather than being psychoanalysed and treated, as was the prevailing theory of Freud and his counterparts. Key concepts and principles of person-centred counselling. The key concepts of the person-centred model are:- The organismic or core self, an innate sense of self that we are born with and is authentically and genuinely us. Conditions of worth, these are the conditions placed on us as children, that influence our beliefs. If we do as is expected of us we will be loved and accepted. Self concept, this is the sense of self that develops according to how we are treated by others. This can conflict with our organismic self, which may lead to issues of incongruence and anxiety. Actualising tendency, is another key concept, it is the belief that all individuals have the resources, within themselves to grow given the right conditions. Such as Rogers comparison of the potato which he found in his cellar, in very poor conditions and yet it had still sprouted and strived, to find a way to reach the light. As would individuals who had faced adversities and negative situations would find their own unique way towards healing and growth. Locus of evaluation, the external locus of evaluation, is a reliance on externals for guidance and affirmation, characterised by ‘shoulds’ and ‘oughts’ and difficulty making decisions. The internal locus of evaluation, is the ability to trust our own self and own valuing system, less influenced by others opinions. The main principles of person centred model are the core conditions of empathy, congruence and unconditional positive regard. They are vital for building a safe therapeutic relationship, in which the client can explore fully. How does person-centred counselling, influence the understanding of the development of concept of self? Carl Rogers believed that; ‘clients become empowered to find their own solutions and their own unique, personally meaningful path through life. ’ One theory of his client centred psychotherapy was based on the idea that; ‘every person has within an acorn, able to grow into a certain kind of tree, a blueprint for a unique life’ Rogers worked with many others in developing the idea that clients could heal themselves, if only the therapist provided ‘facilitative’ or core conditions of, ‘empathy, congruence and unconditional positive regard. ’ Rogers used the symbolism of concept of self, being like a plant given water, soil, sun, and fertilizer. In these optimum or ‘facilitative’ conditions the client concept of self can grow and unfold like the plant. The client would become empowered to undertake their own unique journey of self-awareness and discovery. While negative situations could stunt the person, like the potato left in his cellar, the person would always find a way, through the most challenging and arduous conditions, to reach toward the light. Person centred counselling, fosters a shared sense of humanity between counsellor and client. It offers an arena of reflection and focusing, on innermost thoughts and feelings; that are rarely tapped into, in ordinary day to day circumstances. Using the simple empathic listening model, first developed by Carl Rogers; during the therapeutic process, the client will hopefully feel fully listened to, valued and respected. This humanistic approach will hopefully influence and promote a positive concept of self. How does person-centred approach inform counselling practice? The work of a person centred counsellor is non directive and non-advisory. At the core of the approach is the theory and belief that instead of analysing, diagnosing and telling clients what to do, the counsellor instead reflects back to the client, what they have said and encourages them, to continue to look more deeply into their thoughts, feelings and answers. Clients then become empowered to find their own solutions and their own sense of self, meaningfulness and unique path through life. Rogers called this technique â€Å"reflective listening† or â€Å"empathic listening. † This along with the other key concepts and core conditions, inform the qualified counsellor’s practice in several ways. The core condition of empathy and empathetic listening; involves entering into the client’s world/frame of reference and experiences. This means the counsellor, has to depart from their own opinions and feelings, to a certain extent and see the world through their client’s eyes. The core condition of congruence relates to the counsellor’s openness. It informs the counselling relationship, as the counsellor’s integrity and transparency, is intrinsic to an effective working relationship with the client. Congruence from counsellor to client informs the relationship, as it enables perceptions of the client, to be offered supportively. Unconditional positive regard shown by the counsellor towards their client can assist the therapeutic relationship to flourish. This is in essence the value and respect the counsellor conveys to their client. The client is able to feel safe and free from judgement. UPR is gifted to the client, regardless of their behaviour; they can feel at ease and the freedom to explore their innermost feelings. Key features and comparison of different models, with the person-centred model. Psychodynamic Therapy This model was developed due to the work of Sigmund Freud and many other models have developed from this approach. It is felt today, that Freud’s approach, leads other practitioners or clients to be cautious of Psychodynamic Therapy. Made up of two Greek word Psyche- spirit or mind and Dynamic which meaning changing/alive. Key features of Psychodynamic therapy:- Freud believed the personality had three parts, which co-exist in each person. The ID this is present from birth and is instinctive, self –centred and primitive. It is seen as inherent in a person’s nature or make up. It holds all our basic impulses of sex and aggression and is governed by the pleasure principle and needs regulation.

Management of Information Security and Control

Management of Information Security and Control Abstract Information is a very important ingredient of any organization. This is because no business can operate without it. In the current business environment whereby the computer has interconnected businesses and transactions are no longer carried out through paperwork, information system has become a very important part of an organization.Advertising We will write a custom research paper sample on Management of Information Security and Control specifically for you for only $16.05 $11/page Learn More Therefore the management of information should be one of the priorities if the organization is to be successful. However, the concern for information security has also risen in the recent past. In some business the need to protect information assets has even surpassed that of physical assets. This is so because any business in the current information environment that intends to be competitive and sustain growth must be ready to develop and exploit as well as protect its information assets. Information Security Needs of an organization Information security needs of an organization refer to reasons why an organization may find it necessary to have information security and control. They are as follows: To protect the functionality of the business because when operations are interrupted, costs that could otherwise have been avoided are incurred. Organizations need to have a system that ensures that operations are carried out smoothly which means there are no interruptions and work also goes according to plan. As such, the general manager and the IT managers need to design and implement an information system that cuts out intruders as well as human error that might interrupt operations (Whitman Mattord, 2008) Secondly, an organization needs to ensure that its operation applications are safe. These applications include electronic mail, operating system platforms as well as instant messaging. The laws governing information security award dama ges to the plaintiff and these damages are at times punitive. Therefore any organization needs to ensure that its information system cannot be used to infringe other peoples’ rights as this ends up costing the organization. This means that all information system applications need to be assessed to ensure that they do not pose a security threat to users (Whitman Mattord, 2008). Thirdly, there is the need for safeguarding technology assets in order to sustain growth. As an organization grows it needs to come up with secure software and infrastructure that helps it to sustain that growth. For instance an organization may develop innovations that help it to have an edge over its competitors.Advertising Looking for research paper on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More As such, its networks must grow to be able to accommodate its changing needs otherwise the competitors will easily have access to i ts new technologies and use them to outdo the company. Some of the measures that can be taken to shield an organization from its competitors include protection of manufacturing procedures, chemical formulae and technological innovations (Kouns Minoli, 2010). Fourthly, there is the need to protect data that is used by organizations. An organization cannot plan effectively and deliver value to clients if it losses its record of transactions. Any business entity, government agency or any other institution that is operating in the modern business environment, where responsive services depend on information systems to provide support to transactions, must protect its data. For that data to be reliable, the management needs to ensure that the processes of collection, storage and usage cannot be interfered with. Otherwise the decisions made will not be effective or even beneficial to the organization (Kouns Minoli, 2010). Types of threats involved in the management of information securit y and appropriate control measures Threats refer to any entity person or object that poses a security risk to an organization’s assets. There are various threats that face information, systems or people of an organization. This means that the management needs to be aware of transport, processing and storage systems that need protection from threats. For instance, when an organization connects to the internet then threats that originate from the external sources are bound to increase. There are various categorizations that show the types of threats and what in the organization is faced by that threat. However, each organization needs to find out the priority threats that it needs to deal with. The prioritization will depend on the security situation of its operating environment, the exposure levels of its assets and its risk strategy (Whitman Mattord, 2008). The categories of threats include acts of human error, which refers to acts done without malicious intentions. People are likely to do mistakes when using information systems. This may be due to inadequate training, making of assumptions that are incorrect or even working under fatigue. Employees feature among the greatest security threats because they use organization’s data on a daily basis hence making them the closest threat agents. This means that their mistakes can undermine the integrity, availability as well as the confidentiality of data. Their mistakes can also pose a threat to the organization or to outsiders. For instance they can accidentally reveal classified information, delete or even modify data (Whitman Mattord, 2008)Advertising We will write a custom research paper sample on Management of Information Security and Control specifically for you for only $16.05 $11/page Learn More Most of the mistakes can be prevented by carrying out continuous awareness activities, training and also setting up controls. The controls can range from the requirement t hat a user types an important command twice to the requirement that a particular command be verified by a second party. The second category of threat is debate act of trespass. This refers to an act where an unauthorized individual intentionally gains access to an organization’s protected information. Although some information gathering techniques are acceptable, some information gatherers use techniques that are beyond the legal or ethical threshold. Some of these attacks can cost the firm financially or dent its reputation with clients. This threat can be prevented by putting up controls that notify a trespasser whenever they try to access unauthorized areas. Valuable information and systems can also be protected by using sound authentication and authorization principles. Such controls use multiple factors or layers to prevent the unauthorized users from gaining access (Alberts Dorofee, 2002). Forces of nature or acts of God are another form of threats. These types of thre ats are very dangerous as they usually take place with little on no warning at all. They can interfere with data storage, its transmission or even its usage. They include the following: fire, which can burn down the building that houses part or all of the information system. Secondly, there is floods which refers to water that is overflowing to areas that are expected to be dry under normal circumstances. This can end up destroying part or all of the information system. It can also prevent access to the building that houses the system. Thirdly, there is earthquake which refers to an abrupt shaking of the earth’s crust as a result of the volcanic activity below the earth surface. This directly affects the system as it can destroy part or all of the system, as well as the building where the system is housed (Vacca, 2009). Lastly, there is lightening, which refers to a sudden natural electric discharge within the atmosphere. This also has a direct effect on the system as it can destroy part or all of the system or its power components. All these risks cannot be controlled per se; however they can be mitigated by purchasing insurance policies that address each of the insurance risks (Vacca, 2009) A software attack is another information security threat and it involves an individual or group coming up with a malicious code or malicious software to attack an organization’s information system. These programs are designed in such a way that they can damage the target systems or even deny access.Advertising Looking for research paper on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More They take various forms which include viruses, which are software that attach themselves on other programs and can destroy the system when activated. Viruses can be controlled by using anti-viruses which prevent them from accessing a computer system. Secondly are worms, which are able to replicate themselves several times such that they fill the computer memory. Anti-viruses can also be used to control them as they are capable of detecting them and inhibiting their performance (Vacca, 2009) Technical hardware failure is another type of threat whereby an organization purchases equipment that has a defect from a manufacturer. The defect can be known or unknown. Such flaws can result in unexpected performance of the system such as unreliable service. These can therefore lead to losses to the organization, some which are irrevocable. The best control measure is to ensure that the organization purchases from reliable vendors who can offer products with guarantees as well as quality produ cts. However, it is also important that regular check ups and service be done to the equipments so as to be able to detect defects in advance and correct them (Vacca, 2009). Risk management Before defining risk management it is important to define the key terms that make up its definition. Threat: refers to any event, object or circumstance which has the possibility and capability of adversely affecting an organizations asset, through destruction, denial of service or unauthorized access. Vulnerability: refers to the â€Å"existence of a weakness in design or implementation or an error that can result in undesirable or unexpected event that may compromise the security of the information system† (Alberts Dorofee, 2002 p. 28). Therefore, risk management is a process whereby vulnerabilities as well as threats and potential impacts that are as result of security incidents are evaluated against safeguard implementation costs (Alberts Dorofee, 2002). Risk management strategies ar e developed and implemented so as to reduce adverse impacts and to provide a framework that can be used to make consistent decisions concerning the options of risk mitigation. Risk management is broadly divided in to two phases: the first one is risk assessment which involves identifying threats and assessing the possibility and ability that the threats can exploit some vulnerability of the organization as well as the impact in the event that the threat happens. The other stage involves risk treatment; where an organization responds to the risks identified earlier. Risk management is important to the organization because it helps the management to determine the protection needed by various assets at the most efficient cost. Investment in risk management is beneficial both now and in the future and to everyone that deals with the organization (Alberts Dorofee, 2002). Risk Assessment This process has various stages which include: first identification of assets where the assets of the organization are identified and their value is determined. Secondly, there is threat identification and assessment of threats. This involves identifying the categories of threats and the adversaries that pose the threats as well as their motives. Such threats can be terrorists who want attention, political activists fighting for some rights or disgruntled employees who feel wronged by the company. The next step in assessment of threats is determining the adversary’s capability, how frequent the threat can occur and the extent of damage it can cause on the related asset (Kouns Minoli, 2010). When documenting the adversaries it is important to consider technical and human capabilities as well as their modes of operation. These include even those parties that are able to cooperate with them as well as how easy they can communicate with them. Being that threat is the most difficult to assess, it is important that both facts and assumptions are recorded. Lastly there is the dete rmination of vulnerability level of each of the assets that need protection. Here an in depth knowledge of the capabilities of countermeasures that an organization has is important. As a result an appropriate scale can be developed for measuring (Kouns Minoli, 2010). The third stage of risk assessment is analytical risk management. Here the threats and vulnerabilities are evaluated in regard to the respective assets so as to provide an expert opinion on the possibility of loss and the impact as guideline for action. In order to asses the risk effectively and to determine what to prioritize in asset protection one should do the following: first, estimate what level of impact the undesirable events have compared to each target asset. This involves reviewing the impacts based on the information acquired on vulnerabilities and threats. As a result the ratings can either increase or reduce (Calder, Watkins Watkins, 2010). Secondly, estimate how likely an attack can happen from the pote ntial threats. This involves evaluating the adversary’s capabilities, his intentions and other details of their history. After this, rating is done to determine the most and least likely threat. Thirdly, estimate the probability that a given vulnerability will be taken advantage of by a given threat. Here a review is done on the vulnerability ratings that were done previously. Armed with information from all the ratings done, an overall level of risk of the information system is done. As a result suggestions of measures to be taken are made (Calder, Watkins Watkins, 2010). Risk Treatment This is the ultimate goal of risk management as information from the assessment stage is used to determine the appropriate treatment measures that will be implemented. There are various options available in treating risk. It can be reduced, avoided, accepted or even transferred. However a combination of more than one option is also possible. There are various factors that determine which opt ions to pick and these include the cost incurred each time the event associated with the risk happens, the expected frequency with which it will happen, the attitude of the organization concerning risk, availability of resources and the current priorities of the organization concerning technology (Roper, 1999). When an organization chooses to reduce risk, it will have to choose whether to reduce the chances of occurring or reduce the chances of the adversary exploiting vulnerability or even reduce the effect of the threat should it successfully occur. The organization can also choose to accept the risk when reducing is not possible. This includes lack of appropriate measures to be implemented, whose costs outweigh the losses to be prevented. In cases where the risk cannot be reduced to acceptable levels it can be transferred to a third party, for instance to an insurance firm by buying a policy to protect the property against the threat (Roper, 1999). Risk avoidance is another optio n, whereby the firm chooses to avoid all business dealings that are associated with the risk. After identifying the risk treatment decisions to use, the next step is implementing the decisions. This is later followed with monitoring and reviewing stage, which is a continuous process as long as the organization is in operation. However, risk cannot be eliminated completely and instead it can only be minimized to acceptable levels. What remains after minimization is referred to as residual risk. There are chances that the residual risk can grow to unacceptable levels and this shows another importance of monitoring and reviewing (Roper, 1999). Importance of information security and control management Research has shown that most managers as well as employees do not regard information as a primary priority particularly because it seems not to have a direct impact as effectiveness and efficiency. This calls for training to create awareness on its importance and its roles. Different level s of management should be given specialized training on the relevance of information security in their level. Then the link between the training and the organization needs at each level should be established. In addition the training should be customized to focus on specific security issues (Isaca, 2010). An organization’s failures related to security can really be costly to a business. These costs can be recovery costs or even reputation costs. When an organization’s system is easily accessed by intruders, it ends up losing confidence from the public. As a result customers will be reluctant to deal with them. Therefore it is important that an organization invest in designing and development of effective information system. This calls for an organization to develop an information security policy which defines its information system as well as the access to its information property. It also explains the control measures that are appropriate for the organization. As a re sult the company increases its efficiency in managing its information assets (Kadam, 2002). In addition, an information system that has effective security and control measures in place can be an area of competitive advantage to an organization. This is because in such a system customers’ and suppliers’ documents will not be lost or be destroyed. Particularly because access to the system is controlled and incase part or all of the system is destroyed, back ups are available. Stakeholders are therefore attracted to such an organization as they feel that their documents will be secure. On the other hand the organization is able to plan how to better meet the stakeholders’ needs using the reliable information (Kadam, 2002). Conclusion Every organization has a need for information security and control. Therefore, when designing and implementing the information system the management must ensure that it meets those needs. An assessment of the organization should be don e to find out the needs and get information that will help in addressing the needs effectively. The assessment includes assessing the assets of the organization, the threats it is facing and its vulnerable areas. As a result the organization becomes equipped with adequate information that can help it come up with effective treatment decisions and in the end these decisions are implemented. In addition, the system should be monitored and evaluated continuously to ensure that the system is actually meeting the objectives which it is meant to. References Alberts, C. J. and Dorofee, A. J. (2002). Managing information security risks: the OCTAVE approach. Upper Saddle River, NJ: Pearson Education. Calder, A., Watkins, S. and Watkins, S. G. (2010). Information Security Risk Management for ISO27001/ISO27002. Cambridgeshire: IT Governance Ltd. Isaca. (2010). CISA Review Manual 2011. Rolling Meadows, IL: ISACA. Kadam, A. (2002, September). Why Information Security is important for your organi zation: Network Magazine. Retrieved from networkmagazineindia.com/200209/security2.shtml Kouns, J. and Minoli, D. (2010). Information Technology Risk Management in Enterprise Environments: A Review of Industry Practices and a Practical Guide to Risk Management Teams. Hoboken, NJ: John Wiley Son. Roper, C. A., (1999). Risk management for security professionals. Burlington, MA: Butterworth-Heinemann. Vacca, J. R. (2009). Computer and information security handbook. Burlington, MA: Morgan Kaufmann. Whitman, M. and Mattord, H. J. (2008). Principles of Information Security. Boston, MA: Cengage Learning EMEA.

Production analysis and strategy Essay Example | Topics and Well Written Essays - 500 words

Production analysis and strategy - Essay Example sand units every day, our production strategy was diverted to other initiatives to ensure profitability; we commenced carefully controlling prices, intensified marketing & product promotion and more importantly also concentrated on repaying our loan. Improvements in the lean manufacturing were particularly useful when we needed to switch production and therefore expended some significant amounts on the strategy. There were very few changeovers; we switched to the production of 500g varieties. Lean manufacturing also played an advantageous role by allowing the exploitation less competitive areas quicker than the other companies. We also spent a lot on production which translated to a high capacity in production; eventually this was one of our greatest competitive edge as compared to the other firms in the market place. When competition started cutting into our margins, we were able to maintain volumes in sales thanks to our strategies of continued diversification, investment in marketing & product promotion and strategic pricing. We therefore maintained a steady production and sales volumes despite the entry of other firms in the market. A critical factor in our strategy was production capacity; a steady and increasing production capacity gave us the much needed economies of scale. We managed therefore to spread costs through higher production capacities with net effect of reduced cost of production. With the increasing production capacity and reducing costs of production our team should be able to keep up with customer demands and also venture into new markets. Strategic gaps can be seen more especially with the decreasing production capacities of team D and this is therefore a potential markets for future entry. In the framework of VRIN analysis, our production capacity proved to have a very high value as it presented us with a unique opportunity to venture into underserved markets. We therefore were in a position give value to customers by ensuring their

JR Face to Face street art Essay Example | Topics and Well Written Essays - 1250 words

JR Face to Face street art - Essay Example JR Face to Face street art Starting his art career from the streets of Paris, the work of JR has often challenges the wide perceptions of images propagated by advertising channels and the media. He seeks to combine art and action dealing with commitment as well as identity and limits. He has been described differently by different people.   Fabrice Bousteau  introduces him as the figure already being regarded as Cartier-Bresson of the 21st century. He began his art career as a teenage graffiti artist who was pulled by the passion and interested in making a mark in the society rather than the interest of changing the world. His work then targeted conspicuous places like rooftops, subways, train and sidewalks and framed them so that they would not be confused with advertising. At the age of 17, he and his friends after finding a camera begun taking photographs and pated them on walls in a bid to send certain messages to the people. His biggest intention of doing art in a large scale was basically to influenc e people to change the world. The particularly aimed at changing the perceptions of the people and their thoughts in order to create a better society, which people are mindful of one another. Without any payment, JR and his friends started out in different cities around the world taking photographs and pasting them on building walls.In the period between 2004 and 2006, he created what is commonly referred to as the portrait of a generation, a project that included young people who were included in the housing program. In large format, he pasted these pictures in large format of walls of houses and commercial buildings in order to bring art closer to the people who do not visit the museums. Initially, it was deemed illegal, but was later legalized and when the City of Paris put his photos on buildings2. Project face to face was meant to bring the true identity of the true Israelis and Palestinians by putting photos of different people face to face. In eight cities of Palestine and Is rael, Marco and JR took the initiative of painting the pictures. While some of the people opposed the move especially the authorities, most of them were excited and supported their work. They volunteered to be photographed and allowed them to paste their pictures anywhere they wanted. In the project, they were constrained with resources. They had no money, and relied heavily on well-wishers3. They got two ladders, which were very old and rusty, a single camera and 20,000 feet of paper. The project however was a big success. They managed to photograph different kinds of people who did different kinds of work. From taxi drivers to cooks, carpenters and teachers, they sought to include all kinds of people in any profession. At one point they put two photographs of a Palestinian and an Israeli and asked people to tell the difference of who was who. By drawing reference to two photographs from the project, this paper will look at the face to face project, comparing them using their simil arities and differences and try to evaluate the impact they had on the people. More importantly however, it will seek to answer the question as to whether JR and his six friends succeeded in their mission. Were they successful in proving that what is perceived to be impossible could be possible? During the whole project, JR and his friends were dedicated to prove to the world that all people were similar regardless of

Language, Culture and Communication Essay Example | Topics and Well Written Essays - 750 words

Language, Culture and Communication - Essay Example In both paintings, light is important in focusing the attention on central and peripheral matter, bringing them to prominence. The subjects are both well-rounded women with dark hair and eyes, and their positions show the artist intended the viewer to focus on them. They both seem to be of similar age and both compositions are triangular. Their eyes are downcast and mouths are slightly pursed, representing different moods. Differences in technique and intent, with light coming from outside the paintings, bring motion to the pictures, creating light and dark. The complementary light and dark colours show the moods. Both wear white and again light and shadow add texture to the clothing. Both seem to be thinking of making a decision, with Gabrielle's being about what jewel to wear, and how she looks in the mirror, while the Brooding Woman has something more serious on her mind. From the way they are both sitting, the feeling comes across that they both trusted the artists who were paint ing them. The contrasts are more in the style of painting than the main subjects. Looking first at the women, their expressions of thoughtfulness create the mood, but the differences lie in the intention of the painter. Gabrielle is comfortable, almost cosy, with a less important decision to bother her, while the Brooding Woman has something heavy on her mind. She is more sad and lost, her shoulders sag, and their position can also be seen on the dog in the background. She is fully clothed, while Gabrielle is happy to be half-undressed. The Brooding Woman seems to be looking into herself for answers and Gabrielle looks outward towards her mirror. Symbolism is another contrast, because the background in Gaugin's picture seems to have something to do with the woman's state of mind, and her dejected body

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