Hospitality Entrepreneurship Assignment Example | Topics and Well Written Essays - 2250 words

Hospitality Entrepreneurship - Assignment ExampleThe qualities and attributes are usually analogous in every entrepreneurial act as long as the focus is on the basics, still it differs when you proceed further into the operations, like the basics in every service based or base business entrepreneurship would be more or less same. The characteristics of Marriott were that he was having willingness to take risks and a desire to install his dreams come true, he possessed self-confidence and met the challenges that confront him, he believed a lot on his ponderous give-up the ghost and efforts rather than blaming his fate. Of course the rewards that he got for doing all that are quite visible.The other things that are tie with the Hospitality Entrepreneurship are Segmentation, Location (Depends on business type), Communication, Advertising and Sales Promotion, Finance Management and to a higher place all the Human resource employed.The segmentation is necessary in Hospit... If you are having a hospitality entrepreneurship the tierce things you have to worry about are Location, Location and Location, as you should facilitate the target audience with the expertness of identifying you easily. The communication is another aspect of hospitality business, as the customers cannot expect you to do some other work than their work. The sales promotion is necessary in order to attract the old customers and also for the purpose of get them back. You also need to take care about the finance, every thing should be operated within the allocated work out otherwise things would be sooner out of your hands and finally Human resources are the key in hospitality, as the customer wants you to be very frank and well mannered at the same time. So the initial mission of Marriott was to provide people with entertainment and a unique service which today has acquire so common, it would not be unfair to say that Marriott is the role model in brining innovation in the hospitality i ndustry.To develop successful innovation, a corporation should establish a conducive organizational climate. traditional managers tend to adhere more strictly to establish hierarchical structures, to be less risk oriented, and to underscore short terms results, all of which inhibit the creativity, flexibility, and risk required for new ventures. Organizations desiring an intrapreneurial climate need to embolden new ideas and experimental efforts, eliminating opportunity parameters, make resources available, promote a teamwork approach and voluntary intrapreneurship, and enlist go by managements support. (Hisrich, M. Peters, D. Shepherd 54)The management of the external resources has turned these days extremely important, if this section would be

Impacts of Immigration on Origin and Host Countries Research Paper

Impacts of in-migration on Origin and Host Countries - Research Paper ExampleThis is because they are likely to choke disclose of their native homes at one point in search of employment or for other reasons hence it is important that they understand the consequences of in-migration.Immigration refers to the movement of individuals from their country or region to other countries that they are not native. In most cases, people move to other areas for the purpose of settling permanently. It is usually a pass of a number of factors some of which include economic and political reasons, natural disasters or ones willingness to change the environment. Immigration is also associated with both negative and positive impacts.On one hand, they may glut the workforce gap in the country they might have moved into that may have been created as a result of the aging population especially in the western countries. This is usually the case where Africans move to the western countries. On the othe r hand, the immigrants may influence the natives negatively by introducing culture in the radical environment that could be detrimental to the culture of the country that they will have moved to. Studies indicate that immigration has been found to have negative impacts on the native population.Data 1 Research has shown that the majority of the immigrants harp of the young population that possesses high degrees in different domains. They usually move from their native homes especially those in the developing nations in search of job opportunities in the developed nations.Backing In the developing nations, there is a little industrialization and thus high unemployment cases due as there is competition for the some jobs available. Individuals then move out of their countries and in turn this causes brain drain. This is because as they move out, the number of elect individuals decreases.

Contract Law assignment question Essay Example | Topics and Well Written Essays - 1500 words

Contract Law engagement question - Essay ExampleWhen the execution of the contract was considered the duty of the promise under legal and contractual means will come under consideration. This is dealt under 1. legal duty, 2. duty arises from the contract, 3. the duty arised from the contract. According to the UK equity commission recommendations the consideration of the duty mustiness not be against the rectitude and public policy. This point is derived from the tralatitious law. Under common law the term consideration is a controversial requirement for the contracts. This is considered controversial because this is not necessary in civil law systems and it is considered in law of obligations and the contexts involving the criminal offences. This controversial thing was introduced in the law because, both the parties that entered into a contract will bargain and this bargain will come to the obeisance or disappears when any one breaches the contract. So, in that context, if the situation does not come under civil law the consideration term is taken for perusal. This is for avoiding unnecessary or unintentional advantage for other party. In the aspect of Eastwood v. Kenyon the guardian of a young girl raised bring for her education. This is in the intention of improving her brotherhood prospects. After her marriage the court held that the husband need not pay the loan as the loan raised for the education of the girl was a past consideration. Two parties can enter into a emerging contract regarding sale and purchase. When a person is having enough goods that he can sell. for reasonable profit later a veritable time and a person who wants to make profit by buying certain goods after a period of time can make a future contract. The supplier must sell the goods by

Credit Management Essay Example | Topics and Well Written Essays - 1250 words

Credit Management - Essay ExampleThe six specific items of information those be available from a cooperative bank source are agreement details, government registration, balance stable gear details, tax return details, reserve bank registration and annual banking transactions. (Lock, 330)It should be taken into account the relevancy of marketable securities depend on the nature of those marketable securities depending on the formulated ascertained value projected. From the credit-grantors stall the best possible marketable securities would be those that are easily liquidated and low in risk. (Lock, 19)The major receipts of a customers accounts receivable that is ageing is that this would be one of the most applicable means of security possible. by from that there remains chance that if used properly this customers accounts receivable would fetch more premium than the customers receive capacity. (Lock, 176)To ascertain the consistency of the customer over a period of time the val ue of Spreading nonparallel balance sheets on comparison forms is one of the most advantageous instruments for the credit grantor. This is the best possible check of the customers credibility. (Lock, 119)There are several advantages of setting credit lines for established customers but the most of the essence(p) could be defined as mutual benefit in terms of trust obtained. The second can be treated as goodwill calculation theory that allows the client to benefit from the credit line. Thirdly it becomes important for the company to overlook few objectives as the customer is well-tried and proved. (Lock, 22)9.) You hold a $30,000.00 suppose from a customer whose regular line of credit is $10,000.00. The customer explains that this out-of-routine order will cover their needs for the undermentioned 90 days. The customer has always been prompt and owes nothing at present. Explain why you would accept this order for triple your credit line The prime reason of granting this order to the customer is that the customers credibility is well tested and proved. Thus it becomes obvious that the customer is to be trusted as a credit line is already established. However, with the assurance from the customer it could be enumerated safe to grant this order. (Lock,

Importance of teams Essay Example | Topics and Well Written Essays - 500 words

Importance of groups - Essay ExampleThe following section will focus on immensity of teamwork in other sectors like melodic phrase, auto racing and military and the slightons that healthcare industry can learn.Teamwork is super important for any sector that is highly reliant on human performance. In a team two aspects are equally important taskwork and teamwork. While the former means the skills needed by the members to incline their tasks, the latter means the approach needed by the members to complete the tasks. In aviation, both of these are required. The greatness of effective task performance by crew members in the cockpit cannot be denied. At the same time, on that point should be strong teamwork for harmonization and communication amidst the crew members. Records meet shown that 68 percent of ambience mishaps occur due to poor coordination between aircrew (Salas & Maurino, 2010, p.254). According to Salas et al. (2005) there are five requirements for a teams effici ency. First, strong leadership since it is through a team leaders counsellor the members can perform in a coordinated manner. Second, members need to monitor the activities of each other to hold up track of errors or lapses to ensure perfection in overall performance. Third, backup behavior like members with less work load should share the burden of those who have excessive work load. Fourth, adaptability which means members should be able-bodied to adjust their work in case of unexpected difficulties. Fifth, team orientation indicates that each person should have compatible approach to work with other individuals. All the five elements are required in aviation in order to handle any emergency situation in the cockpit.In auto racing, teamwork between pit crew and race is considered as exemplary. The process underlying auto racing itself requires high train of team work, and it is said that no other industry promotes teamwork as

Chinese Security Market Research Paper Example | Topics and Well Written Essays - 3000 words

Chinese Security foodstuff - Research Paper ExampleIn 1990 the secure exchange of Shanghai was developed and on the different hand, Chinese trade protection market was established 10 years ago. The Chinese hostage market allow be divided into three categories such as foundation laying stage, marketization stage and internationalization stage. Among these three stages, the first stage allow for be completed by Chinese security market (Xijun & Qiqing, 2010). In the first stage, China leave al star e developed a primary security market and will be laid the foundation for marketization as well as internationalization. In the back stage, China will be promoted a market-oriented development with the help of innovation. The three types of innovation process will be system innovation, theory innovation, and instrument innovation. After completing the marketization stage Chinese security market will get a better scope to establish internationalization stage. It will be a challenge fo r the Chinese security market. Moreover, Chinese security market will be created a classification of market structure such as bond market, a stock market, and fund market. It means the Chinese security market will be depended on the variety of market structures.The regulatory system of Chinese security market will be categorized into three stages such as government regulatory, which will be created by the China Security Regulatory Commission along with its 36 branches. The second one is the self-disciplinary management of industry, which will be applied by the China Securities Industry Association and Stock sub.

Compare and contrast nazi and communist sport Essay

Compare and contrast nazi and communistic fluctuation - Essay ExampleFor this conclusion to be arrived at before the introduction of the DRL, sporting skills were prior made a criterion for certain events, including civilize graduations and were also considered requisite qualification for certain other jobs as well as being necessary for admission to universities. In atomic number 63 too, emerged one other independent body governing sporting activities elsewhere in the region. This was the communism sport. The communist sports policy in Europe had dominated some of the largest parts of Europe especially during the cold war. However, this is no longer the case. It slowly collapsed giving rise to independent bodies that governed sorts throughout the countries of Europe. communism sports however lives on in countries like China, Cuba and North Korea. Communism sport was not everywhere recognized or either practiced, in most of the national priorities of less advanced communist nat ions. Nations all rough the world tend to recognize communist sport and more to it, adapting it. This in view of the research was in general facilitated by its prior success soon after its establishment this was particularly at the Olympics games that drew a considerably high level of attention worldwide. One particular and considerably remarkable but far-reaching tone of the question at at hand, these referring to the communist sport was the evolution of an introduced model of sports that aimed at modernizing community. These too were think at employing sports for utilarian purposes in view to promote health, defense, and hygiene issues among others. This newly introduced model that placed some standoff for nations in parts of Africa, Asia as well as Latin America was important. In majority of communist states, sports carried with it a huge revolutionary role of being an agent of social change with the state carrying the pilotage role (Murray 73). Shifting sides to highlight the Nazi Sports, German sports in general, came to a clear rise in the sporting body, came up in the 1930s. This would let been prompted by several issues, among them a myth of Aryan racial superiority and physical power. The Olympics games then, being the first ever in history to cover live television. These provided an standard setting that displayed a Nazi regime and more to that, what Hitler deemed to be his intended exploit. It would later be quoted that German sports had only one main objective, to strengthen the character of the Germans. This was to be by all means, from imbuing the country with a fighting spirit, termed to be necessary in the struggle for its existence. The Government then resulted to harnessed support for sport as part of its own drive to strengthen a particular race, to exercise political enclose over its citizens, in preparation of the youths for what they referred to as war. Close to all communist states faced problems of political stability. These wo uld have its own consequences to Nation building at large, but in one way or another, had sports to be involved. As stated earlier, sports when facilitated by a common and stable value, experienced success repeatedly. With its involvement in Olympics gave a considerably high boost to this. Since a huge percentage of communist states were born in war torn situations, adverse poverty and the like. Sports

Women in the Workplace A Positive Perspective Essay

Women in the Workplace A Positive Perspective - Essay standard (Shakespeares Hamlet, 1603)Whatever be the saying, it is a fact that women are the best creation of paragon or incur Nature. Majority of the worlds population do not release this and they treat women like slaves be it at internal or at work place. Men believe that women should not be independent and they want their phratry women ( wife, daughter, sister or even mother) to be under the control of a man. In the olden long time when the bread winner of the family (man) wasting diseased to go out for business he would entrust the female of the nursing home in the hands of a boy no matter if he is a kid who thr unitary not take care of even himself. This was their plight, then.The goals of human study are deeply interlaced with the development and authorization of women as they comprise a significant proportion of the total population. Women not only fiddle the precious human resources of a country but their socio e conomic development sets the velocity for the growth of the breathe of the economy.Women in general were not allowed to be independent when growing up. The parents enforced different regulations on a girl which just hindered the girl from maturing enough. Girls were either protected by their parents or the primitive laws and they are never permitted to excel intellectually. The barbaric act of Sati utilized in India is worth to mention here. The practice was when the husband dies the wife has to jump into the pyre and sacrifice her life. If she fails to do so, others will throw her into the burning pyre, forcefully. Sat was a funeral practice among some Hindu communities in which a recently-widowed woman would either voluntarily or by use of force and coercion immolate herself on her husbands funeral pyre. This practice is now very rare and outlawed in modern India.( http//en.wikipedia.org/wiki/Sati_(practice). Thanks to Mr. Rajaram Mohan Roy, who was social reformer and Lord Will iam Bentinck, the British governor, the practice of Sati was spew to an end by the British government in the year 1832.But times have changed since then. The society reached new realms of proceed in all aspects of human life. Civilization and culture prospered. General awareness of the rights of people and impartment of education to women has put women in a more or less equal status with men. Rules and regulations are formed in each and both country and internal and international laws are developed and implemented that guarantee sentry duty of women and her right to live as a human being Let us analyze the issuance Women at Work Place - a Positive Perspective, in this context.IntroductionManu smriti (a Sanskrit word) which is also known as Manava-Dharmasastra (Sanskrit) is the approximately significant and originally written code of custom of Hinduism. This text has discriminated women in a most atrocious way. According to Manu,In childhood a female must be subject to her fath er, in youth to her husband, and then to her sons a woman must never be independent. There is no God on earth for a woman than her husband.....She must, on the death of her husband allow herself to be burnt alive on the same funeral pyre. That everyone will praise her virtue. This verse from Manu smriti has portrayed woman as the one who is dependent entirely on man right from her birth till her death. Now nobody considers Manu smriti as the final word now, and human society has grown to such a level to discard every law and code of conduct during the passage of time. The world is

Classcial Mythology Essay Example | Topics and Well Written Essays - 2000 words - 1

Classcial Mythology - Essay ExampleThis exercise gives the account of event and mysteries surrounding Apollo, the theology sun of greek mythology and thereafter touch on the significance to modern belief system.Apollo was a male child of genus Zeus and Leto. He was born under difficult circumstances as his mother, Leto was on the run alone over the earth looking for a peaceful place to rest and give birth. Hera, the wife of Zeus was caught up with jealousy after discovering that his husband was expecting a child with his lover Leto (Hugh, 17). Thence, this led her to give Leto a chase so she could not get a place to rest and give birth. Luckily, Leto was able to make a place on Delos island where she was received warmly and after nine days of labor she stupid twins, Apollo and his sister Artemis. Themis gave aid to Leto when was giving birth. Zeus became pleased and welcomed the twins giving them both silver bows and arrows. He also assured Themis that she would not be bothered in matters concerning marriage as she could live freely if she never intends to be married. Zeus gave to Apollo a golden and magnificent chariot which was pulled by swans.After the lecture Leto had little strength to continue. Apollo was born under a palm tree which later became a saintly place on the slopes of mount Cynthus. Before the birth of Apollo the island Delos was floating but their delivery it became anchored to the earth.Upon the birth of Apollo, Themis gave him ragweed and nectar which make to rise and requested for a bow and a lyre. He then make a declaration that he was to bring the men of the world to the realm of his father. This made Delos glad and disguised herself up with golden flowers. The birth Apollo is believed to be on the seventh month according to the ancient tradition. This made the seventh month sacred to him that it was celebrated after through sacrifices and festivals according to Hugh (36). Apollo was known as the divinity fudge with the bow and arrows. He never tolerated the wicked and the

Facilitating Changes In Health and Social Care Essay

Facilitating Changes In Health and Social C be - Essay ExampleThese diverges include legal, political, demographic, organizational, technology, and cultural. Poor diverseness in management never works well as it creates resistance and stress. It is essential for the manager to percolate an importive way on how to manage the change and help others in this crucial continual operation for there to be service delivery that is effective. This paper introduces the readers to a variety of factors that can influence change. Furthermore, it provides the effect of the change to the users, staffs and organization, and the key principles of change management that is successful.The political factor is one of the factors that waste a pregnant impact on the health and social care services. There is the introduction of some key changes by the Act of Social care and Health to the NHS in England. These changes came into existence on April 1, 2013. Some of these changes included providing the c linical commission groups a good budget to obtain care on behalf of the local community. Also, the shifts of many responsibilities which have historically been in the Health Department to a new NHS Commission Board that is politically independent. Furthermore, the health and social act has a health specific economic regulator with the responsibility to guard against practices that are anti-competitive and also to move all NHS trust to foundation trust status (Peate, 2012).Another factor that drives change is the economic factor. Sin the year 2002, the NHS has operated on the basis of the market with a split between the provider of health care and purchase. From January 2006 and continues, every patient could choose there secondary care from their hospital of choice, and this created contender among the hospitals to attract the patients and secure their revenue. Quite numbers of researchers have examined the impact of this competitive market on clinical outcome. However, the researc hers found some positive outcomes findings competition has been

The marriage cure, inadequate solution of poverty Essay

The wedlock cure, short(p) solution of poverty - Essay ExampleFrom ancient times a marriage supposed to be the effective tool to eliminate poverty. But is it an adequate solution todayLiterary critics express various views as for the sibilations article message. Some of them suppose that the research suggesting that governments and individuals tend to benefit from an increase in marriage rates is at this point very persuasive, and dont see much point in being overmodest about it. Marriage is probably the most cost-efficient antipoverty instrument a society possesses (Stewart, 2004).The author gives spare detailed attention to the difficulty which can follow unmarried women in marriage rush. The article describes the lines of ii single women and the imperfection of the institution marriage at the beginning of the 21st century. In the article Boo describes the realities of a marriage promotion program and their outcomes for low-income womanhood. She wrote Still, the days now contained enough hours for a reasonable woman to fret about her future (Boo, 2003).In one of her interview Boo argues that And if, inspired by that indoctrination, Kim, whose income was little than ten thousand dollars, manages to meet and marry a man who defecates ten thousand dollars, their combined income would send off both of them... Boo criticizes the Bushs welfare reform to eliminate poverty by marriage and sees it as myopic solution giving supported reasons. Some critics argue that success in the workforce may make women more independent and therefore more selective about the men they will consider marrying. In addition, more time at work means less time to pursue relationships, especially for single mothers whose time is already stretched thin (Stewart, 2004).. The important fact to none is that poverty is a complex problem which is difficult to solve in one day. Bear in mind the facts mentioned by Katherine Boo it is viable to say that if this problem of poverty can be solved by successful marriage, our society would not have poor creatures looking for better days. Race, gender, familial status, age, and place of residence are some only not all of the characteristics that enhance the risk of living in poverty. Boo gives a vivid examples contrasting with those rosy dreams proposed by Bushs administration. She describes that Kims annual income was five thousand dollars, but, except for ten months when she and her husband first separated, she had not received welfare. The child support was supposed to have covered us, but when it stopped coming I couldnt afford a lawyer (Boo, 2003).The marriage cure is nothing more than survival of time bear upon the mind of many single women. Marriage promotion programs, therefore, must be viewed in the context of battered womens lives and how poverty and children affect their decision-making. Most moms I know will do anything for their children and this often includes putting up with years of violence and abu se. When you tell a woman who is desperately trying to keep a crown over her head, put food on

Organization Development and Change Assignment Example | Topics and Well Written Essays - 500 words

Organization Development and Change - Assignment ExampleOrganizational development entails harnessing individuals personality traits that localize them as members of a team up and using these characteristics to bolster the conventions potential and performance. Realizing the importance of OD is the key to effective and efficient problem solving within any department in an organization.Ortiv supply Corporation encourages and practices participative organizational design where the companys branches and departments are encouraged to determine and implement their feature designs. The companys newest plant recently put together a top management team that was to act as a problem-solving apparatus. The group consisted of competent, qualified and talented person who had demonstrated the ability to fall quality results in their respective areas of expertise. Despite the group members professional qualifications, the group demonstrated difficulties and inability to head for the hills th eir mandated duties and responsibilities. All of the groups members perform exceptionally on their professional duties, yet their role as an elite problem-solving group with minimal or no results. The top management meetings are unproductive, and there is no follow up on agreements made at meetings (Cummings and Worley 104). Through the application of the core components of the group, the design would incline towards improving the groups status, which would improve relationships among team members.Incorporating task structure strategies into the groups civilise design by delegating each member a specific task within the groups responsibilities would improve their relationships. This would enable better coordination by individual members and give them more autonomy in terms of behavior and reactions to different situations within the group. Regulating group composition has the ability to effect important changes to the group.

Museum art techniques Essay Example | Topics and Well Written Essays - 250 words

Museum art techniques - attempt ExampleThe viewing audience enjoys the history of origin of man and major social transitions that has characterized various generations. In regard to Alpers opinion, art is an integral part of human history.Duncan rekindles the past memories on the ancient world and the series of changes that characterize the society through generations. In other words, some of the past cultural aspects of various communities are represented by museum artifacts. Comparative analysis of ancient civilization and modern culture between the due west and the rest of the world generally offers a ritual connectivity. In essence, Museums constitutes structures that are associated with past cultural norms and superfluous building in which artifacts and records are kept. Although viewing is done by people of diverse socio-economic and political backgrounds, the shoot for is always homogeneous. This mostly lies in the curious nature of man to explore and experience diversity of humanity. The fancy of museum entails various issues that include religious artifacts, communal art and connotation of

Report to the presentation Essay Example | Topics and Well Written Essays - 1000 words

physical composition to the fork overation - Essay ExampleFrom the deuce aspects, success is assured for your presentation (Tolley & timber 2011). This paper, therefore, seeks to compare two groups case studies for their presentations. For case study half dozen presentations, the presentation is about the role of the regime while case study seven, talks about Ethics and globalization.The paper seeks to compare case studies six and seven. For a well written report presentation, it is essential that the group members do a thorough question on the subject matter. The group members should, therefore, read lots of sources to gather breeding concerning the subject. The reason for this is because having the ability to present a subject area with confidence affects the audience directly. In turn, this gives the audience an impression that will puzzle their attention. For instance, for case study six, the topic the role of government is clear and readers can easily tell what the pre sentation is all about. Similarly, case study sevens topic is also clear and easily communicates the information to its audience. For this reason, both groups have shown strength in explicitly making the subject matter of their presentations simple for the audience to have an idea of what is to be presented. Both case studies discuss honest issues and leaves questions on how to solve the ethical issues. The aspect of researching for a simple and easily understandable subject is essential in capturing the audiences attention. For both presentations, the members did a lot of research, and this could only be achieved through teamwork and a high level of cooperation (Tolley & Wood 2011). Teamwork and cooperation are vital components that ensure successful presentations, and this is portrayed in case studies one and seven. Another analogy between the case study six and seven is that they leave the reader with an open mind of making an ethical decision in solving the problem at hand. Ho wever, both case studies

Literary analysis of Cathedral Essay Example | Topics and Well Written Essays - 500 words

Literary analysis of Cathedral - prove ExampleFurthermore, the close relationship between his wife and the blind man that existed through the years provided supererogatory ire and ill feelings. The transcending climax in the plot revealed how Robert, despite his blindness, was able to actually open the heed and constricted perspectives of the narrator through a unique experience of the cathedral. The characters of the story be the narrator, as the protagonist, whose subservient point of view revealed details of the plot. As the narrator, he is considered a round character, where his personal views and feelings towards other characters are relevant in the development of the story. He foretold the experience of his wife, unnamed, yet instrumental in inviting Robert to their home. The wife is a flat character, through described in more details, as necessary to advance the events that are closely to unfold. The blind man, Robert, is initially seen as the antagonist, providing confli ct to the narrator due to the impending visit that he openly disliked. The story told in a straightforward style, manifests diverse symbolism in terms of the cathedral, itself, as a manifestation of strong and steadfast faith as giving immense ability to transform a nonbeliever into a brand new person with optimistic perspectives. Through the cathedral as the nervous impulse for discussion between Robert and the narrator, an eye-opening transformation for the narrator ensued.

A Man That Holds My Heart Essay Example for Free

A Man That Holds My Heart EssayMany citizenry kick in elbow rooms of influencing others. Most people use rowing to affect other people. An amount of individuals would utilize their empower of persuasion to convince others of their causes or maybe arguments, while some use authority to force people to do as they argon told. These several differences can apply to fathers as well. Not all fathers are similar when it comes to educating their children. Many are gentle, while some are more dominant. Randy T Caldwell, a somewhat young spirited middle aged man. Dark skinned with black Gucci frames to accommodate his prodigious br bear eyes. Standing 511, board shoulders, happy, loving, man of Christ and always seen with a look upon his feeling that means business falls under those descriptions of a father. My father is a man of many words. He is a very talkative man, somewhat quiet but only when listening to someone of when needed. He is not a very persuasive person handle others , nor does he use authority to fare his message across. All the lessons Ive learned from my father were never taught in lectures or by retentive stories.Instead, he gave me real life examples for me to follow. I learned everything I needed to know from my father, through his own life. It was the way he lived his poverty stricken and fearful life which taught me how to live a more effective, object reaching, non-poverty stricken live. Indeed, my father was a man of many words and was a man of many words but yet he had a soft heart. My father has simple interests. He is very lovesome of watching college football, and often watches when he can. When he has time he would go hiking occasionally.However, his favorite thing to do is go angle. At such a young age, I was very fascinated with the fact that he would bring home huge, 10 foot long, stinky fish but I always love it. Aside from being an give awaydoor, outgoing , talkative man my father was a man of Christ. Just analogous o n the man that are always, dressed up , Stay Adams , the best pen striped suit, at the front of the church serving communion on first Sundays . Thats My Father Even though he had a horrible, poverty stricken, gangster life as a child he is a firm believer in Christ.He has not preached about his faith even though he is very talkative he has never given lessons on religious and mortality. He just just lived by example. Whenever faced with difficulty, he simply thinks about what Christ would do in a office staff as such. It was one the most remarkable things I find remember able about him. In one instance, I went fishing with my father. Im not really fond of the outdoors like he was, but I loved spending time with him. It had been raining earlier that morning, so the fishing area was wet.He insisted we go to is regular spot so we did. It was under an old rugged flash down bridge that was covered with green algae. By the time we were done fishing we both were hungry. We proceeded to the nearest fast food place, which happened to be McDonalds. As I ate my lunch it began to rain very staidly I than begin to look out the window at an old man whose clothes rupture with the look of death in his eyes, standing in the middle of the parking lot. As my father do his way to the table where I was dining he caught my gaze.He immediately re packed his heavy(p) Mac fully made all the way everything on it , his supersized fry, and even his drink and went right out the door. Just as hungry as he was he gave the old man his meal. On the way home my father said nothing. Again, he taught me a lesson through his own example. My father can be described as many things talkative, outgoing, loving, caring, and firm believer in Christ. But one thing he will always be described as to me would be the man that has taught me to be the best I can be. My father is a good father, he is rather different than other fathers but thats what makes him the best.

Why Field of View of Smartphone Camera Is Smaller Essay Example for Free

why issue of View of Smartphone television camera Is Smaller EssayField of view The field of view is the boundary of the observable world that is seen at any given moment. In photography, angle of view describes the angular utmost of a given scene that is imaged by a camera. These two can be apply interchangeably as field of view is proportional to angle of view.Mathematically, in triangle abc, side bc is the diametric of angle bac, thus length of bc depends on angle bac. In abc fruit drink, bac = dae, (Reciprocal angle). abc = aed (As bcde be intersects them, they are alternate angles) acb = ade (As bcde cd intersects them, they are alternate angles) Therefore, abc ade are similar triangles thus bc/de = ab/ae = ac/ad = k (some constant). Since, bc/de = k, = bc = k*de which implies that bc de (bc is proportional to de). This relation implies that, the field of view is proportional to the size of the sensor used in camera. Field of view also depends on the focal len gth of the lens.The above diagram shows that the Field of view is inversely proportional to the Focal Length of the lens used in a camera. Camera phones generally use sensor sizes in the range of 1/4 to 2/3. The caper of fitting a large sensor in a mobile device isnt only more or less the sensor itself, the greater challenge is the fact that the larger the sensor, the larger the lens need to be. This is because larger sensors take away one to get closer to their subject, or to use a longer focal length to get together the frame with that subject. So, to increase the field of view, we cant enlarge the camera sensor as we propensity or cant decrease the focal length of the lens. And thats why the field of view of smartphone camera/digital camera is smaller comparing to the field of view of human eyes.

Possible risks Essay Example for Free

Possible risks EssayDetermination of pregnancy is not legitimate until the second trimester, at around twenty hebdomads, when the fetal heart beat heap be comprehend via a fetoscope. Albeit there are presumptive and probable signs associated with pregnancy, like the early morning sickness or the growing size of the abdominal area, these could in like manner be caused by a different pathology. Hence, it can be inevitable for a woman who is not aware of her enceinte state to be opened to radiation sickness, roughly especially if she is not aware of her current menstruation cycle. Radiation exposure usually occurs whenever a soul is exposed to cosmic rays, external radiation from radioactive ores, internal exposure through radiation therapy disposed(p) for treatment in cancer patients, and most commonly through diagnostic x-rays. More often than not, with child(predicate) women who are not aware of their pregnant state could put one across gotten their diagnostic x-rays t aken, which is equivalent to receiving 70 millirem. Also, she could have been exposed to other radiation sources, like watching the television and living next door to a power plant.But exposure to radiation can have an acceptable limit of 350 millirems for the pregnant woman. For the pregnant woman, the most critical period wherein the fetus entrust suffer the most health consequences is when the she is exposed to radiation around two weeks to fifteen weeks gestational suppurate. At two weeks gestational age, if the mother is exposed to a radiation that measures greater than 5 rad or 5000 millirem, a miscarriage can take orchestrate or even death inside the womb. If the fetus is exposed to radiation at the gestational age of eight to fifteen weeks, the fetus is to suffer a severe brain damage from the exposure.This can exit in sinked intelligent quotients or IQs, mental retardation, stunted growth and other birth defects. moral retardation is defined as a general developmental disorder characterized by a lower than average intelligence marker and the child is to suffer from circumscribed daily living skills due to limited learning capabilities. Stunted growth in a child will be evidenced by a sluggish growth and development progress, as evidenced by a lower than linguistic rule height, weight and even cognitive skills.After this critical period, the two to fifteen weeks of gestational age, the fetus will unlikely suffer from radiation exposure, unless the exposure is extremely large. Only having been exposed to at least tailfin thousand x-rays at one time can give harm to a 16 week old fetus. At 26 weeks gestational age, the fetus cannot be harmed by radiation exposure, and if ever exposed to radiation, the fetus will unlikely suffer serious health consequences. This can be compared to a neonate being exposed to radiation the chances of having defects are greatly decreased if not invisible already.However, some of the effect of being exposed to radi ation cannot readily be seen or manifest in the early life. Studies also show that fetuses are extremely sensitive to the cancer causing effects of radiation exposure therefore this can increase their risks in acquiring cancer later in life. Radiation exposure can be limited, if not avoided. The pregnant woman needs to be aware of her physiological state. She would have to confer with all of her diagnostic exams and her workplace to her physician, so that radiation exposure can be prevented early on the pregnancy.

Existentialism - God Essay Example for Free

Existentialism idol EssayWhat is the essence of life. The convey of our loves, the purpose, and the dreams both dashed and realized, and the expectations forced upon us by others. In other words how do you subscribe what life is? Translation means to explain in simple terms. What is it supposed to be ab discover? thither atomic number 18 different answers for different people at different times in their lives. A persons animation is filled with self-examination. Why am I here? What am I doing? Is this as good as it gets? You have a capturening. Youre in the middle, and your story hasnt ended yet.If nonpareil would recognize the greatest things we have in life, they would not be asking this question. These great things are faith, hope, and love. Faith is the ace that can keep one from asking questions. If divinity wanted us to manage something, accordingly we would know it. In virtually religions, Christian ones in p artistic productionicular, the question of impo rtee in life is inextricably wrapped up in a relationship with god. Living in, for, with, and through him. therefore, how one answers the heart of life question bears directly the existence of god.Soren Kierkegaard say to be the father of existentialism maintains that in that respect are three basic answers to the question of the meaning of life. He called these stages of life, because he supposed that people progressed from one stage to the next. Whether or not that is true, there do seem to be at least three fundamental outlooks on life. One is a life devoted to pleasure. This harbor perspective can be sh knowledge by a person whose simply concern is for what they are doing now. They would earlier gain from pleasures in life without any regards to how they might affect their future.Another stage is those choosing ethical and honorable paths. People who are honest and loyal demonstrate this in their of all timeyday lives. Finally, there is a live religiously. This has b een the popular counselling of life for small-army of us. It is passing game to church and practicing your faith Stace argues, the present age has begun to moisten faith in deity. The concept of a supernatural person has begun to seem unlikely to many people. The intelligence no longer seems as respected for many Catholics. While many people say they rely in God they are beginning question whether faith and God are the answer to the meaning of life.Most of us whether we choose to admit it or not show that material things are what we buns our lives around. These ideas are at the heart of existentialism, which is a view of life that says that benevolent existences are the creators of their own intelligence of meaning or purpose. The most famous existentialist, John Paul Sartre in his books and novels developed several themes that lay out existentialism. The first is the notion that existence precedes essence. A legacy of traditional philosophy has been that we have a impr ove human nature. Sartre challenged that we have no such set purpose or meaning.Our real meaning or who we are is a result of our decisions. We are what we decide. The second associated concept is the importance of human unleashdom. Sartre believed that every(prenominal) human creation has the freedom to live life as we choose to. He believed that we are often terrified by our freedom, and in occurrence frequently do not want to take responsibility for our own actions. This attitude Sartre called bad faith. Bad faith is an act of self-deception in which we rationalize our actions as being caused by circumstances instead of being self-caused.Basically blaming others for our own deceptions and mistakes. The third major concept of existentialism is the idea of the Absurd. The philosopher Albert Camus popularized this concept. The concept of the absurd is promoted by atheistic existentialist, such as Sartre and Camus. The similarity between Christian and atheistic existentialist i s the significance of human freedom and the belief that we are the makers of our own lives One of the most significant pieces of the decline of religious faith is the continuing awareness that there may not be any purpose in life.Both Albert Camus, and Stace, write from this perspective. They believed that traditional Christians have found security in the belief that their lives are invisibly directed or orchestrated by God. That we have assumed that God has a plan for our life, that things happen for a purpose. But as we experience, if we do, the decline of faith or the earth of God in our lives, we come to realize that perhaps we are more responsible than God is for what happens to us. We begin to realize or suspect that it is we, not God, who is the creator of our lives.We are responsible for who we become. Of course, there are ceaselessly going to be those people who doubt everything God stands for. For them, the body dies and eternity is darkness, I suppose. The fight is goin g to be, perhaps even as it has been a battle between those who reject God and the, and those who know that God is real. The soul is ones conscience. Without the acknowledgement of that soul, there is no inner voice that helps guide him in the decisions that he makes. Yet, the insensitive atheists still seek to discover the meaning of life, and this is where the battle is fought.They are simply stating that there is no meaning to their lives they have no soul, there can be no meaning. Theists realize life isnt fair. People arent created equal. Atheists believe that until all people actually are equal, life is meaningless, and this is the connection we have to make for them. People are not equal, people will never be equal, and if this equality is the requirement for accepting the meaning of life, then life will always be meaningless. If ambition brings about advantage, those advantages must be neutralized.This is the goal of the atheist. If there is nobody but darkness after life , the goal must be to create heaven on earth. Everyone has questioned their purpose in life for example in his article, My Confession, Leo Tolstoy has gone through his life without ever really questioning the meaning. Then he periodically questioned it until one day he eventually could not picture himself alert anymore until he came up with an answer to his questionings. All the things he was notion to be living by no longer made any sense or had any meaning at all to him.He tried to answer his question many different ways, but whichever way he went he kept coming up with a dead end. He first thought the answer must be his family. Although he loved them very much, as humans they are con nominal headed with the equivalent questions he is. They are living this lie right along with him pretending that they have all the answers, or just simply ignoring the questions. He next thought the answer to be in his work. Eventually, coming to the credit that with all of his success in art an d poetry he had become distracted. He was using art as a decoy.Without knowing his answers to the meaning of life, it was wrong and useless to depict these lies to others. He soon felt as if life had stopped, and was even contemplating suicide when he came to the realization that faith is present in to each one one of us and is what makes our lives meaningful. Everyone must believe they have a purpose here, for if they didnt they would not be living at all. For life to have true meaning, that meaning must come external to the individual and be somehow consistent with life as a whole. Christians would argue that only God could grant this.It is the luck hand, which guides us through life with an honest and loving heart. the Nazarene is the only man to lead a true, meaningful life. His life is really the only life of meaning and it is only through him that we have the chance to live meaningful lives. Without accepting this answer, one will have only difficulty for the rest of thei r lives, oddly in answering the question of the meaning of life. If you accept this answer, however life is much simpler, because your search is over. Jesus said, I am the way, the truth, and the life? John 146.The way the truth and the meaning of life itself. There are scriptural accounts of people claiming to see God, and while a witness is more proof than no witness is, there is no way to scientifically verify these statements. They must be accepted rigorously on faith. Some say that the existence of humans or planetary balance is proof that God exists. These do not prove He exists. Christians believe God is in control of everything in the universe, and created the same. God created all beings, and every atom in this universe. We know God exists because He says He does. The bible is His word, left wing for us to read.Psychologist Viktor Frankl wrote in Mans search for Meaning that we should not ask what we expect from life, but what life expects from us. He was making the poin t that people must deliberate with what daily tasks are pose in front of them. Instead of arguing and complaining, we have to take action. Our strength is shown through the soul survival of the hardships we font. Which brings us to the business philosopher John Hick was facing. In his article, The Problem of Evil he asks the question, if God is suddenly loving, he must wish to abolish plague. But evil exists therefore God cannot be both omnipotent and perfectly loving.The very fact that there is such trauma gives good cause to doubt not only the value of the whole human race, but also the existence of God. A God that can be said to care in the slightest for whats been created, any God who has power over all things, who is anything other than a horrible monster who finds cruel unusual rejoicing in squeezing every last subside of suffering out of them. It would rule out anything even vaguely resembling the God that Christians speak of. A God who deserves our utter hatred not our worship. However, Hick found that although harsh and painful, evil did have purpose in the world.He stated in his article, the finest characteristics of personal life must have a good deal in common with our present world. It must operate according to general and dependable laws and it must adopt real dangers, difficulties, problems, obstacles, and possibilities of pain, failure, sorrow, frustration, and defeat. Without these sufferings, we would not be able to know what triumph and love really was. Evil provides us with the possibility of soul making, and according to free will, we must choose our fate. The Laws of nature must be abided by without them the world could not exist. God may be creating the lesser of the evils.There must be suffering in order for God to give inner strength that compensates for loss, and gives the sufferer inspiration to live reliably and effectively. What God provides are the resources so we can face the suffering and make something positive co me from it. He gives the direction and power to make these resources work. He gives hope and wisdom to find the way past the suffering, and to get from it. John Paul II gave us an outline of what is believed to be the salvific meaning of suffering. Suffering as he wrote in the Apostolic Letter Salvifici Doloris, cannot be trans coordinateed and changed by a grace form outside, but from within? This question of human suffering is not answered directly by God. As man begins to share in the sufferings of Christ, the answer is discovered within in him. Suffering changes and can either append or decrease, and in those moments Christians become aware of Gods closeness. We are given inner peace and spiritual joy when we suffer generously. When we are suffering we are never alone we are with Christ. With Christ everything has meaning whether its moments of happiness and peace or of pain and suffering. Nothing in life can be fully explained without God. . look to the bible and Jesus gives us the answer.Love God with your whole heart, mind, body and soul. Love your neighbor as yourself. If you do this, you are following all the commandments. Humble yourself and give the laudation and glory to our creator. God the develop our creator is love and he loves you very much. God created us to worship him and he deserves all the praise because he is the first and the last. He has no beginning and no end. Just look around and take in all the beauty he has created. Everyone is special and made in the image of God. We are nothing without our creator. Sin will keep us from God for he is pure and perfect.It is hard to let go of pleasure and putting ones self first. However, the key to peace and happiness is to surrender your freewill to God, the author of life, and he will give you complete, happiness, peace, contentment and purity you are looking for. That is what we were created for. God is made evident every day when the sun comes up, and there is still air to breathe, and y ou made it through the night. One cannot believe that everything we know was created by accident. Things are just too perfect to have happened by chance. Man is too mishandle a creature to have invented the beautiful things in the world, as in faith, hope and love.He allows evil in this world because He wants us to have the opportunity to choose either Him or evil, thereby proving our love for Him. If His were the only game in town, then there would not be a free will conscious choice for Him. It is evident that the meaning of life has to far to complex for any one to fully understand or agree on the same answer. All these ideas of these different philosophers are not necessarily inaccurate, just incomplete. All pieces to a puzzle that one has no way of fully computing out. No one has seemed to accomplish this yet in life. There are so many obstacles that we face as we try to achieve a higher good.Many of these are based in the fact that we are human beings, and because of that ar e flawed by the ways of our culture. Things such as self-doubt, worry, ignorance, and the values put into our heads since the day we were born all are roadblocks on our way to a higher level. Also being human beings makes vulnerable to the ways of the world around us, so it is not easy to block these things out of our lives. This life is a stage in which we are to develop our minds, bodies, and souls to their highest potential in preparation for the afterlife. further God could ever really show anyone true meaning.

Reality TV Essay Example for Free

cosmos TV EssayReality TV is something that you be seeing more of today. Reality telly is when tidy sum or celebrities atomic number 18 filmed living there normal everyday lives and be undertaking specific challenges (Farlex Inc., 2012). Reality idiot box set attracts more viewers and has become more ordinary over the past few years. virtually shows you may have even heard of are the shows known as 16 and enceinte, Jersey beach, Hoarders, and radical couponing. These are all examples of some very popular immovable television shows that are aired regularly. several(prenominal) shows like Teen Mom or 16 and pregnant focus on teenagers that become pregnant and the struggles they are facing as a teenager with a child. These shows are to focus on the consequences of having naked sex but sometimes they are viewed as rewarding teen pregnancy. The shows like Hoarders are base on families who have a problem with not throwing anything way which in turn causes clutter and a big mess. So they have raft come forth and help the people win unblock of unneeded stuff and choose healthier habits and make it so they are living in a better environment. Now Extreme Couponings is about people who gather tons of coupons and buy things at the butt in very cheap. This show has definitely set a trend, because of this show you see more people in lines at stores with a full-page book of coupons. This show has shown people how to walk out the store with ten items for 5 cents.some(a) examples of wherefore these shows may be popular are because they are raise ,and they are similar to what behavior is really like. Reality TV is not some fantasy or unrealistic show we like to dupe and wish our life was like theirs. Instead earth television is something we watchand think wow that is crazy, that person is crazy. Some of the stuff you see on these television shows is awful and it allows us to feel more comfortable with the things we do in our daily lives. When y ou see a whole bunch of teenagers having children or a whole bunch of crazy drunk people it somehow brings you to the realisation that maybe your life is not as bad as you thought it was. in that location are in any case many some other factors in why realty TV shows are so popular. The drama is probably the biggest factor as well as the WOW factor. Many viewers open firenot believe that people get paid for filming such things but yet they are stuck to their TV screens reflexion. Reality television comes in different varieties which is another factor in its popularity, reality TV being so expansive reaches out to a number of different viewers. People elicit in partying are able to view people like that as well as there are shows about doctors and about bidding on unknown items. Because there are different shows ranging from A-Z it causes more people to watch reality television which enhances reality televisions popularity. Reality television also has endurance, and it has ma ny different personalities, as well as it always keeps it viewers wanting more. These are all superior examples of why reality television is so popular and why it continues to grow.One show that has been really successful on television is Jersey Shore. Jersey Shore has been a very successful and popular realty TV hit because of its drama and the craziness of the characters on the show. Snooki would have to be one of the main characters that have attracted viewers with her bad attitude and her drunken behavior. permit alone how wild and free she acts. All of the characters of Jersey Shore have their own personalities and occasionally watching them clash and the craziness that follows all these young people becomes very entertaining. Seeing them argue, cry, party, and laugh with each other is plenty of the reason for why it has become such a popular show. Jersey Shore gives their viewers the entertainment they are looking for.Reality television is becoming more successful and televis ion producers are making investments on reality television. Some reasontelevision producers would invest in reality television is because it is cheaper than hiring actors and creating a television show. With reality television all you have to do is hire people and reputation their behavior and everyday life. Some of the script is probably written but there are many of things about reality TV that is not written into script and that causes for more entertainment. Other reasons producers are interested in investing in reality TV is because it does bring in good profits. People watch reality TV and it receives hits. Realty television brings money in because it is entertaining and viewers continue to watch, which brings valuation on shows up and the producers get paid very decent money for investing in these shows.Some of the similarities between dramas and sitcoms are that they both bring in viewers. Drama is a lot of what is seen in sitcoms as well which makes them similar. Drama is different emotions and sitcoms are filled with different emotions and that is part of the reason for why they are so popular. Everybody enjoys a good laugh, a good fight, and you know it is good if it brings a tear to your shopping center every so often. This is entertainment and this is what dramas and sitcoms are all about.The differences between sit coms and dramas are the way they are presented. Dramas are well planned scripted productions. It takes more time and money to air a television drama then what it does to air a sit com. Sit coms are more or slight people being hired just to put a camera in their face to be filmed doing whatever they do. Sometimes sit coms have scripts as well but there are made to appear non scripted and are made to seem realistic. Dramas take more time and plan then sit coms and seem more picture perfect then sit coms.There are many reasons for why reality television is so popular and why producers would invest in it. There are many shows that cat ch viewers eyes daily and raise the ratings of these shows which make realty TV even more popular. Reality TV as said before has many different personalities it has variety, and endurance all of which builds on its popularity. Realty television is like an escape from reality and allows you to view your life in a different way because the stuff you view ontelevision sometimes can seem so much more outrageous then what you are used to. That is why realty television is so popular and why realty television continues to grow and become more popular over time, it is filled with what viewers like you want to keep you coming back for more.what makes reality TV so popular www.dishtv.comWWW.FREEDICTIONARY.COM/ reality+ show farlex 2012www.ew.com entertainment weeklywww.insidetv.com 2012www.answers.yahoo.com 2012

Determination of Interest Rates Essay Example for Free

Determination of arouse Rates EssayInterest rank are the payments one makes to another as the cost of borrowing money. Interest accounts should be equal to different borrowers under the same prevailing stinting conditions. Various factors come into play to tally the interest rate to be paid by a borrower. This paper explores the factors used in determine the prevailing interest rates. Among the factors used to determine interest rates are credit quality, local and world economic and political conditions (Lando 143).In addition, the demand and supply of funds also determine the interest rates set on borrowings. The borrower always has a feeling that the interests aerated are the best deal and that improve returns will accrue from the funds borrowed. In the same manner, the lender should also feel the interest charged would have the best returns. Credit quality refers to the capability of investors to pay under a given economic situation. Interest rates are charged in direc t proportionality to credit quality (Singleton et al 56).Big businesses and political relation can easily pay for the loans borrowed plus the interests charged. An investor may also compare the opportunity cost of money over a given period. The economic condition may be in a state of either inflation or deflation, forcing the lender to consider the opportunity cost of funds over a given period. An increment in inflation rate results in an increased rate since the expected inflation rate is also accounted for in the rates set (Sullivan et al 505-506).For instance, if in a situation without inflation, the interest rate is 4%, then this becomes 7% if the inflation rate is 3%. The declining honor of collateral due to inflation may affect a borrowers ability to pay. This will increase the risks associated with the repayment ability of the borrower. The higher risks are therefore included in the interest rate charged. governmental subsidies by governments also influence interest rate s.Governments can lower the interest rates on borrowers by subsidizing certain loans such as college student loans, public housing loans, and other public work chopine loans. Conclusion Interest rates, the excess on a borrowed money paid to the lender by the borrower, is determined by many factors. The main factor is the prevailing economic conditions. These could be inflation or deflation. The government may also subsidize certain type of borrowers to motivate them to borrow. The ability of the borrower to pay, the credit quality, is also a vital determinant of interest rates.

Nissan Motors Essay Example for Free

Nissan Motors EssayDramatic loss in 2008 was wake up distinguish for Nissan Motors Head Office, and the CEO of the company has conducted a meeting with fellow managements and sh arholders to discuss the recovery plan for the company. As a result, he came up with Five year recovery plan detailed below.1. Categorise by geographically- they categorised their market into trinity regions Americas, Asians, AMIE which includes Africa, Middle East, India and Europe includes Russia. Each regions manufactured car will be sold in the nearby countries, saving transport cost. 2. Change in targeted customers- theres been sale increase in China and India, Nissan focused on selling more cars to those areas instead of the main customers such as USA, by doing that theyre making cars that meets the certain countries, for example in Japan, people buy car to get from A to B, whereas in Europe, people tend to go for money saving cars (eco-friendly/efficient3. Reducing overall wage bill- actor Nissa n stopped hiring peeled staff, cut overtime, and introduced work sharing. Also, they made redundant of 20,000 workers in high cost countries including 1,500 in the UK. In Asia, they temporarily reduced salaries of cooperate officers by 25%, general managers by 20%, and other staff around 15% and eliminated bonuses and compensations.4. Scrap scheme- In 2009, 10y+ cars can be exchanged for 2000 towards their new car. It encourage people to buy new car to help car manufactures to grow, bring more customers and replaced old cars with new ones.Nissans Scrap SchemeThey extended the scheme for drivers exchanging 8-10 year old car to buy any British build range that includes any new Nissan Micra, Nissan Note, Nissan Qashqai. That means some people managed to buy British build Nissan Micra for as little as 5,995.CONCLUSIONSFrom the table above, it is clear that it has been a wake up call for the company. They recognize it quickly and came up with a solution that has worked for them per fectly. According to BBC website, they published that Nissan Motors recovered fully in three years instead of five, which is great news, however they cannot sit back and relax as the global delivery is not yet fully recovered and there is a chance that foreign currency big businessman fall and rise anytime again. Press are saying that they recovered, but according to the speech of the CEO of Nissan Motors, hes claiming that they are still in their recovery mode and continuing to watch their expenses and preparing for any event that might source up in the future.BIBLIOGRAPHYwww.bbc.co.uk

Relation between Error in Healthcare prescription and the inconsistency in Technological information Essay Example for Free

Relation between Error in Healthc be prescription(prenominal) and the repugnance in Technological information EssayRelation between Error in Healthc ar prescription and the inconsistency in Technological informationIntroductionBackground Information A lot of errors are occurring within the health care field lately. They are a result of many factors. Among the principle causes of error are related to wrong prescriptions. As indicated by Benjamin (770), one of the elements that is playing a key percentage ion this is the use of advanced technological methods. Computers have been used to aid in the computerized entry of prescription orders. Depending on the intensity of the prescription, they can result in serious injuries on the patient or even sound to fatality incidences. In turn, they lead to unnecessary court cases and legal suits that eventually cost many healthcare institutions and practitioners a lot of money that is paid to cater for the damages (Carroll 52-8). As su ch, there is a neediness to study the main causes of wrong prescription to ensure that such barable consequences are kept at their possible minimal rates. The main questions that allow be answered in this study include What are the most(prenominal) common types of error in healthcare prescriptions? What kind of information technology is used in the readying of proper prescription? Are there specific errors that are related to inconsistently furnishd information in the same prescription order entry?Methodology In this study, both primary and secondary selective information collection methods will be employed. It will include the use of surveys for the collection of first-hand information. In this sense questionnaires and interviews from the participants will also be used to gather information for the data. For accuracy and proper validation, these will be feature with secondary sources such as the national health statistics (Wu, Pronovost, Morlock 88).Data abridgment In this study, the..method of data analysis will be used. The method mainly.Findings Previous research performed on this topic revealed that..Thus, in social intercourse to this study, it was evident that..ConclusionIt is important that the laid down professional ethics are adhered to in distinguishable fields. This is especially within the medical field where a slight mistake can lead to destroy consequences. Therefore, healthcare providers are always obligated to use the knowledge that they acquired in their studies as well as new knowledge and practices appropriately. They should ensure that drugs are prescribed in the most proper ways to avoid errors. In particular, computerized drug entries should be counterchecked to eliminate disparities. However, owing to the continuous change in the nature of affection processes and hence the production of advanced drug formulas, there is need to conduct more research. These will provide more guidance to guarantee safe drug presc ription by providers of healthcare services use new technological methods.ReferencesBenjamin, D. M. Reducing medication errors and increasing patient safety case studies inclinical pharmacology. Journal of clinical Pharmacology. 2003 4376883.Carroll, P. Medication issues the bigger picture. RN. 2003 66(1)528.Wu, A. W., Pronovost, P., and Morlock, L. ICU incident reporting systems. Journal of Critical Care. 2006 17(2)8694Source document

Discussion Post Essay Example for Free

Discussion Post Essay young Format Requested this week While the format is to be changed thisweek, you ar still required to bring in 3 federal agencyings one original post and comment on two other(a) students post. ORIGINAL come out REQUIREMENTS You are to apply the major topics covered in the course (finance/accounting, economics, marketing) to your company and provide an analysts give out. 1) (Apply Marketing techniques to) raise an interesting, unique or otherwise attractive catch line (humor works great for me ) as your post title.Make a recommendation (can be here AND in your subject line) (some of you may not shade you have enough experience where your opinion (i. e. , recommendation) is worth something in this world. however note, you may have more experience NOW than some analysts at major investment banking houses (scary I know )) 3)(Use your corporate report to) provide certain and specific quantitative analysis of your company. DONT repeat your entire report. but provide highlights.. as some examples Net Income rose 20% from 2008-2011 to $1. 35 billion Expenses dropped.by 15% Shareholder beauteousness (highlights mean outlyers of data.. especially NEGATIVE information 4) (Use some economics learned. predict big and micro futures).. guide what Macro world events have affected your company (global eco slow-down. price of oil) .. even micro events (consumption among consumers was down ascribable to. )provide sensitivities for world events on your corporation and how it depart affect that companys future activities. Provide predictions about future macro economic events and how your company will react going forward.The Network amp pose Systems segment is booked in the research, dumbfoundment, production and modification of products and services to assist its customers in transforming their operations through network integration, information, intelligence activity and surveillance systems, communication, architectures and space expl oration. The Global Services amp Support segment is engaged in the operations, maintenance, training, upgrades and logistics subscribe functions for military platforms and operations. The Boeing Capital Corporation segment facilitates, arranges structures and provides selective financing solutions for its commercial airplanes customers. In the space and defence mechanism markets, it primarily arranges and structures financing solutions for its Boeing Defense, Space amp Security government customers.Its portfolio consists of equipment beneath operating leases, finance leases, notes and other receivables, assets held for sale or re-lease and investments. The company was founded by William Edward Boeing in 1916 and is headquartered in Chicago, IL. http//www. marketwatch. com/investing/stock/ba/ visibleness 2) The Boeing Company has a long history of providing complex systems and integrated assemblys to its customers. 3) The Boeing Company is headquartered in Chicago IL. In 1997 Boei ng and McDonnell Douglas merged to form what is the Boeing Company of today. This was approximately 1 year after Boeing acquired Rockwell Corporations Space and Defense division.The company has over 249 subsidiaries. The largest competitor on the commercial side is Airbus a division of explosive detection system and the largest competitor on the Defense, Space and Security side is Lockheed Martin with many other companies lining up for twinkling place. In order for Boeing to maintain its market share the company has had to continually research and develop new products in both major business units. Notes for special consideration 1. Cash and cash equivalents change magnitude from $5,359 billion to $10,049 billion from 2010 to 2011 2. Retained lettuce rose from $24,784 billion to $27,524 billion during the period of 2010 to 2011 3. Net Earnings rose from $1.3 billion in 2009 to $4. 02 billion in 2011 4) Boeing is a company that is always going to be challenged. The challengers for the Defense, Space and Security market typically have come from within the US but that is get-go to change. EADS which is the largest defense business in Europe is continually trying to enter US markets. Also Airbus which is a subsidiary of EADS is the most prominent competitor in the commercial segment but many countries much(prenominal) as Japan, China, Brazil and Canada are working very hard to position themselves as challengers to the commercial market. This will be a challenge for Boeing and Airbus for the next several decades.Commercial airline customers and airlines will continue to request enhancements and improvements to the commercial airplanes and the service / cost associated with the. This will continue to drive performance by the manufacturers including Boeing which is the industry leader. The US government acquisition may decline depending on the outcome of the presidential and congressional elections. Boeing and its competitors in those markets will look toward no US markets to sell their products. Continued increase in energy and satisfying cost will drive Boeings focus on keeping costs down. 5) Research and development are the single most important factor in keeping Boeing relevant for the future. Research and development disbursal amounted to $3. 9 billion, $4. 1 billion and $6.5 billion in 2011, 2010 and 2009, respectively. In 2009 this included $2. 7 billion only when for the new 787 commercial aircraft. Research and development costs also include bid and proposal efforts link to government products and services, as well as costs incurred in excess of amounts estimated to be recoverable under cost sharing research and development agreements. Bid and proposal costs were $332 million, $355 million and $343 million in 2011, 2010 and 2009 respectively. RampD within the Defense, Space and Security business unit is primarily focused on supporting customer requirements and providing new technologies to meet the needs of military, security and space agencies.

Japanese foreign aid Essay Example for Free

japanese conflicting tending Essayjapan was the highest donor country in the mid(prenominal)dle 1990s. The rise to this status was gradual, spanning over 40 years. What began as a compulsion as an after final result of the Second World War, became an important tool of the foreign policy of Japan. It was under the US pressure that Japan began giving financial aid to the poorer countries. The do kept on rising, to reach its peak in mid 90s. This was followed by a steep discipline in the total amount disbursed as foreign aid. The decline was very steep. There may have been m any reasons that can be attributed to the cause of this decline.However, one of the of import reasons was the increasing pecuniary deficit in its own budget. The economy of Japan, did not maintain as personation as rosy as it was during the mid 90s. In this context, the following two visuals are worth facial expression at. Figure 1. Japanese foreign aid (Cooray N. S. and Shahiduzzaman Mohd. , table 2, page 8) Fig. 2 Fiscal situation of Japan (current Japanese fiscal condition ) These charts indicate that the fiscal situation of Japan has been deteriorating since the mid 90s, at a constant rate.The issuance of deficit bonds, has been comparatively much higher than in any of the earlier years. A direct implication of this fact is that the government has been requiring more and more money to cover up its fiscal deficit. This amount is raised by issuing bonds. This condition has compelled Japan to abase the foreign aid each successive year. No sooner Japan reached its position as the highest donor, it has been losing its position. The rapid downfall of Japan as a donor country is indeed a interesting arena, and the fact that there ishardly any research done on the effect of fiscal position on the foreign aid, makes this topic compensate more interesting. This idea intends to make an in depth study of the fiscal situation which compelled Japan to reduce its foreign aid. It analy zes the major governing factors of the economy of Japan since the late 90s. The quickness with which Japan lost its status as the highest donor, is bound to be a sizable case study for other donor countries also. This study reveals that Japan has a glorious economic past.Despite the aftermath of the World War II, it had a grueling economy witnessing a GDP growth nearing to 15% in the 50s, 60s and 70s. This enabled a freehand distribution of foreign aid. However, the sorry state of fiscal affairs of Japan, have compelled her to lost its status as the highest donor country. This paper in the first section briefly looks into a research paper on this subject. It tells about the tarradiddle of Japanese foreign aid and discusses few important characteristics of Japanese aid.This includes the features of aid, the shift in policies and the central wideness of China as a top priority receiving nation, of this aid. In the second section, details about how the fiscal situation of Japan ha s affected the reduction in foreign aid will be demonstrated. The terzetto and the final section will deal with an analysis of the study. History and Characteristics Japanese foreign aid A research paper published by Marie Soderberg, associate professor, at Stockholm school of Economics, provides a good insight into the various aspects of Japanese foreign aid.The history of Japanese foreign aid begins in the fifties as a result of war reparations agreement with Burma, Philippines and Indonesia were signed. This agreement and the subsequent aid granted by the Exim Bank were tied up with purchase from Japanese firms and very well served the interests of Japan. So far, Asian countries were the major recipients of the Japanese aid. The oil crisis of the 70s, saw the Arab nations also getting a fair share of the foreign aid from Japan. The late 1970s saw a huge rise in the foreign aid amount of Japan. This was partially a result of Japans wish to be respected by the global community.

Hdfc Bank Essay Example for Free

Hdfc stand by EssayThe first modern blaspheme was founded in Italy in Genoa in 1406, its figure of speech was Banco di San Giorgio ( till of St. George). M whatever other pecuniary activities were added over time. For example entrusts be important players in pecuniary markets and brook financial returns such as investment money. In two(prenominal) countries such as Germany, banks be the principal(a) owners of industrial corporations while in other countries such as the United States banks ar forbidden from owning non-financial companies. In lacquer, banks atomic number 18 usually the nexus of cross shargon holding entity k instantaneouslyn as zaibatsu. In France Bancassurance is highly array, as most banks offer policy serve (and directly veritable estate services) to their customers.1.2 interpretationThe definition of a bank varies from country to country.Under English law, a bank is defined as a person who carries on the short letter of banking, whic h is specified as Conducting up-to-the-minute accounts for his customers devoteing cheques dis note on him, and Collecting cheques for his customers.1.3 OBJECTIVE OF THE STUDYThe Objective of this on the job training is to study the importance of the authority customers and their value to the bank and creating the sentience among them nigh the importance of on-going accounts and keep a good kindred with them for the banks benefit.1.4 ORIGIN OF THE BANKThe name bank derives from the Italian word banco desk/bench, used during the conversion by Florentines bankers, who used to take a leak their legal proceeding higher up a desk covered by a greens tablecloth. However, there argon traces of banking activity even in ancient times. In fact, the word traces its origins back to the old-fashioned Roman Empire, where moneyl annulers would crop up their stalls in the middle of enclosed courtyards called macella on a dogged bench called a bancu, from which the words banco and bank be derived. As a moneychanger, the merchant at the bancu did not so much invest money as merely convert the foreign silver into the besides legal t discontinueer in Rome- that of the Imperial Mint.1.5 PRESENT STATUS OF THE BANKWorldwide assets of the largest 1,000 banks grew 15.5% in 2005 to remove a record $60.5 trillion. This follows a 19.3% increase in the previous year. EU banks held the largest share, 50% at the revoke of 2005, up from 38% a decade earlier. The growth in Europes share was to a greater extent often than not at the expense of Japanese banks whose share to a greater extent than halved during this period from 33% to 13%. The share of US banks in addition 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 armes (75,000) in the world. The large number of banks in the US is an indicator of its geographics 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 eachmore than double the 15,000 branches in the UK.1,6 FUTURE OF THE BANK The future is consolidation as people will have little time for banking. People will expect to edge more proceeding on the Internet. There will be more activity in wrong of applications and services on the mobile. Geography will not be an inhibitor any more as e very(prenominal)thing is possible on the Net. Integration is the beside 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, line tickets, and numerous similar acts through with(predicate) with(predicate) the bank. The ATM will still serve as a capital dispensing medium, but the Internet and mobile will be very active. pic2.1 ORIGIN OF THE makeup 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 ask to channel household savings as wellhead as funds from the capital market into the admit 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 signifi hind linest expertness in retail mortgage contributes to different market instalments and to have a large corporate client base for its ho development related credit facilities. The main aim of H.D.F.C. is to support or aid in the promotion of stead ownership. H.D.F.C. is Indias leading housing finance company and for all practical purposes is synonymous with the interior(preno houral) housing finance industry.The primary objective of H.D.F.C is to enhance residential housing stock and publicise home plate 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 post-mortem housing finance company in India as well as in international markets. It has well-kept a consistent and healthy growth in its operations to remain the clear market attractor 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 ORGANIZATIONHDFC deposit reported a 43 percent growth in net kale 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 go up 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 to sidereal day, January 15, 2002, rack upesh Suthankar, head credit risk and investments, reiterated the banks earlier counselor 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 botto momentg out. The bank is sensory(a) to acquisitions as a vehicle of growth, but any growth via acquisitions would be over and above its communicate growth rate of 25-30 per cent.At present, it is not operative on any circularise but there are acquisition prospects in the Indian scene, giving rise to opportunities for inorganic growth. The banks film to capital markets is around 6-7 per cent, against the Reserve cashbox of India (RBI) norms of 5 per cent. The bank expects to bring it down to in spite of appearance the stipulated delineate by the end of this fiscal. The ban k has made a lot of head substance in its retail paper bag with retail accounts going up to 1.9 million from 1.4 million a year back. The branch interlocking now stands at 147 outlets in 63 cities and the ATM net take form at 360 compared to 231 ATMs as on frame in 31, 2001. The calculate 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 ORGANIZATIONHDFC beach Limited provides different financial convergences and services. It ope rank in three segments Personal shoreing, NRI situateing, and Wholesale edgeing. The Personal argoting segment provides savings, and current and fixed deposit accounts. It withal offers personal, home, two wheeler, new car, used car, gold, educati on, 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 fee services. The NRI relying segments 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 collecting 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.pic2.4 in operation(p) DEPARTMENT OF THE ORGANIZATIONHDFC Bank Limited is located in New Friends Colony, New Delhi. This organization Includes useful departments as follows1. new grade Department2. Saving trace Department3. Trade Department4. profit Department5. coin Department6. Demat throwaway Department2.5 ORGANIZATION STRUCTURE AND CHARTpic2.6 PRODUCT AND redevelopment PROFILE OF THE ORGANIZATIONHDFC Bank mainly provides three kinds of banking services Personal Banking NRI Banking Wholesale BankingThe future(a) are the products and services provided by the HDFC bank HDFC Bank provides loans like Personal Loans , piazza 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 tease to help you meet your financial objectives. HDFC Bank provides facilities like Mutual caudexs, Insurance, General Health Insurance, Bonds, Financial Planning, association 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, deportation funds to India, make payments etc., HDFC Bank has a range of products and services that you back choose from to transact smoothly, efficiently and in a timely manner. With HDFC Banks payment services, you fire bid goodbye to queues and paper work. HDFCs 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 level occurrent tale Demat Account payment AccountHDFC 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 inst itutions.HDFC Bank offers you quick, economical and favorable options to remit and transferee funds to India. Corporate Banking reflects HDFC Banks strengths in providing our corporate clients in India, a wide array of commercial, movemental and electronic banking products. HDFC Bank acts as an active medium between the government and the customers by sloppeds of various services.2.7 CURRENT ACCOUNT IN DETAILFeatures Benefitspic innocent(p) Account to account funds transfer between HDFC Bank accounts impoverished payment and charm through RTGS. unfreeze payment and collection using NEFT (through Net banking) forfeit up to 50 engage Drafts per calendar calendar calendar month and can be issued from any HDFC Bank appendage Free up to 50 Pay Orders (PO) per month and can be issued from any HDFC Bank class. Free anywhere collection payment proceedings (clearing) at bottom HDFC Bank branch network (except Dahej), up to Rs. coulomb lacs per month. doojigger to withdraw d eposit cash at all our branches*Free 300 At equation cheques leaves per month.Register for InstaAlert service and receive updates on your account as and when the select consummation happens all this without tour 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 recompense at your doorstep. The Bank will arrange to render the services like cash in tab lam and specie Delivery, through a reputed agency. Enjoyfacilities like 24-hour auditory sensation Banking, Net Banking and unstable Banking that helps you check your repose motion details, find out the status of your cheque or stop cheque payment.Fees Charges for Plus authorized Account stripped Balance (Average Quarterly Balance)-Rs. 100,000/- Non-Maintenance Charges per quarterCharge of Rs.6,000/- per quarter, if AQB is little than Rs.50,000/- Charge of Rs.1, calciferol/- per quarter, if AQB is less than Rs. 10 0,000/- but = Rs. 50,000/- check up on moderate Charges ( hold outd by Bank)-Payable-at-parFree 300 cheques leave per month. Charges Rs 2/- per leaf beyond 300 leaves remission of sin installation through own BankDemand Drafts (DD) payable HDFC Bank fixs ( reveald from any branch) / Duplicate DDFree up to 50 DDs per month. Above 50 transactions, puts Rs. 25/- per Demand draft Pay Orders (PO) on HDFC Bank Locations (Issued from each come apart) / Duplicate PO Free up to 50 POs per month. Above 50 transactions, charges Rs. 25/- per Pay-order consequence of DD/ PO through surround BankingAll standard charges for DD / PO are applicable as above. hardly DD / PO meat up to Rs ergocalciferol,000/- are accepted at Phone banking. DD/PO-Cancellation/RevalidationRs.50/- per prickNEFT/EFT proceedingPayments-Free battle arraysFreeRTGS legal proceedingPayments-Free aggregationsFreelocal anesthetic anesthetic exercises (At home branch side) local anesthetic cheques collections paymentsFree Account to Account Fund transmit inwardly HDFC Bank- Free anywhere proceedings (except Dahej)Account to Account Fund Transfer within HDFC Bank-FreePayments 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 upper marches of 250 transactions per month, beyond which charges Rs.5/- per transaction would be levied. Includes all Local / anyhwere clearing and transfer transactionsRemittance celerity through other BankIssue of Demand Drafts (DD) / Duplicate DD ( letter writer tieup)Rs.2.00 per Rs.1000/- token(prenominal) Rs.50/- DD-Cancellation / Revalidation-Rs.50/- per toolCheque Collection outstation through own bankCollection Free, only courier charges of Rs 20 per instrument Outstation through rough other 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) currency Transactions 1. Cash steriliseCash lodge-Home branch Location-Free up to Rs.10 lacs per month or 50 transactions which ever is lower, Deposit in supernumerary of Rs.10 lacs or 50 transactions will be supercharged Rs.2/- per Rs.1,000/-, minimum Rs.50/-. (Cash deposit at non-home branches within home-branch urban center subject to limit of Rs.100, 000/- per account per day) Cash Deposit -Non Home locationupper limit Rs.100, 000/- per day. Charges Rs. 3/1000, min Rs. 502. Cash WithdrawalCash Withdrawal-Home BranchFree at Home BranchCash 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), three party cash withdrawal allowed only up to utmostRs. 50,000/- per transaction.Features BenefitspicFree Account to account funds transfer between HDFC Bank accounts. Free RTGS/NEFT Transactions.Fr ee 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. doojigger 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 see the branch or ATMFees Charges for Trade Current AccountpicDescription of ChargesMinimum 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 leavesRemittance quick-wittedness through own BankDemand 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 (Issuedfrom Any Branch) / Duplicate PO Free up to 30 POs per month. Above 30 transactions, charges Rs. 25/- per Pay-order payoff 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/Revalidation-Rs.50/- per instrument NEFT/EFT TransactionsPaymentsFreeCollectionsFreeRTGS Transactions PaymentsFreeCollectionsFreeLocal 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 ChargesAll transactions are subject to a level best 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 BankIssue 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 CollectionOutstation through own bankRs. 0.50/1000, min Rs. 25 per instrument Outstation through another bank-Correspondent banklocations 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 Transactions1. Cash DepositCash Deposit-Home Branch LocationFree 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 su bject to limit of Rs. 50,000/- per account per day) Cash Deposit -Non Home locationMaximum Rs.50, 000/- per day. Charges Rs. 3/1000, min Rs. 50 2. Cash WithdrawalCash Withdrawal-Home BranchFree at Home BranchCash Withdrawal-Non Home Branch-Intercity IntracityFree cash withdrawals up to Rs.50, 000/- per day, beyond which charges Rs.2/1000, min Rs.50/- (Only for incremental amount), thirdly 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 stiff 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 BenefitsFree 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 tokenish phrase 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 monthRegister for InstaAlert service and receive updates on your account as and when the select transaction happens all this without visiting the branch or ATMFees Charges for Premium C/ADescription of ChargesMinimum 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 leavesOther Current Account facilitiesIssue of Duplicate / Adhoc StatementBranch Rs 100/- per averment * Phone Banking Rs 50/- per rehearsal (Non IVR) and Rs 30/- per didactics (IVR) Net Banking Rs 30/- per statement ATM Mobile Banking Rs 50/- per statement. means of calculation of minimum average quarterly balanceAverage of passing(a) law of closure balances of each day spread over a period of three months. Remittance facility through own BankDemand 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) / Duplicat e 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- FreeIssuance 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 TransactionsPaymentsFreeCollections-FreeRTGS TransactionsPaymentsRs. 100/- per transactionCollections-FreeLocal 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 BankRs.15/- per transactionPayments Collections at HDFC Bank LocationsFree up to Rs. 25 lacs per month, Charges at Rs.1.50/1000, min Rs. 25Bulk Transaction ChargesAll transactions are subject to a maximum of 100 transactions per month, beyond which charges Rs.5/- per transaction would be levied. Includes a ll Local / Anywhere clearing and transfer transactions.Remittance facility through other BankIssue 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 CollectionOutstation through own bankRs.2.50 per Rs.1, 000/- for Cheques drawn on HDFC Bank Locations, min Rs. 50 per instrument. Outstation through another bankCorrespondent 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 Transactions1. Cash DepositCash Deposit-Home Branch LocationFree 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 Depos it -Non Home locationMaximum Rs.25, 000/- per day. Charges Rs. 3/1000, min Rs. 50 2. Cash WithdrawalCash Withdrawal-Home Branch-Free at Home Branch Cash Withdrawal-Non Home Branch-Intercity IntracityFree 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 obligate 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.Whats more, during lean seasons, you need not bother closely maintaining huge balances to enjoy high transaction limits, which you anyway may not need.Flexi Current Account requires you to maintain a minimum Average periodical Balance (AMB) of just Rs. 75,000.Features BenefitsEnjoy dynamic fr ee limits on Intercity Payments, Collections currency 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 picTransactionDynamic Free Limits* Cash Deposit at Home Branch LocationAnywhere Payments, Collections Funds Transfer (except Dahej) Free up to Rs.1, 00, 00,000/- in that particular monthPay your vendors on a real time basis using Real Time Gross Settlement (RTGS) available across 23,000 Bank Branches*. Whats 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 ATMThe top position is always the coveted position. With the efflorescence 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 survive at the APEX is reserved for you. Features BenefitsMaximum transactional benefits with faster mobilization of funds Average quarterly balance requirement of Rs. 10, 00,000/-Access to more than 750 branches broad 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 che quesFree Intercity Cheque Collection Payments within HDFC Bank cyberspace (excluding Dahej). Free Account to Account funds transfer between HDFC Bank accounts. Free payment and collection through RTGSFree 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 branchConvenience 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 monthRegister 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 AccountpicMinimum Balance (Average Quarterly Balance)Rs. 10, 00,000/- per quarter Non-Maintena nce Charges per quarterCharge of Rs.5,000/- per quarter if AQBis 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 leavesOther Current Account FacilitiesIssue 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 BankDemand Drafts (DD) Payable at HDFC Bank Locations (Issued from Any branch)/ Duplicate DDFree without limitPay Orders (PO) on HDFC Bank Location (Issued from Any branch)/ Duplicate PO Free without limitIssuance of DD / POthrough Phone Banking-Free without limitOnly DD amoun t up to Rs. 5, 00,000 for Current Apex Account holders accepted at Phone Banking DD/PO-Cancellation/RevalidationRs.50/- per instrument NEFT/EFT TransactionsPayments-FreeCollectionsFreeRTGS TransactionsPayments-FreeCollectionsFreeLocal 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-CollectionsPayment 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 BankIssue 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 / Revalida tion-Rs.50/- per instrument Cheque CollectionOutstation 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 Transactions1. Cash DepositCash 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 WithdrawalCash Withdrawal-Home BranchFree.Cash Withdrawal-Non Home Branch-Intercity Intraci tyFree cash withdrawals up to Rs.2,00,000/- per day, beyond which charges Rs. 2/- per Rs.1000/-, minPresenting 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 serious features on this current account truly enhances your business potential to the Maximum. Features BenefitsMaximum transactional benefits with faster mobilization of funds Average quarterly balance requirement of Rs. 5, 00,000/-Access to more than 750 branchesHuge cost savings in inter-city transactions for payable-at-par cheque issuance, funds transfers, NEFT, RTGS or Demand Draft / Pay OrderFaster collection of outstation chequesFree Account to Account funds transfer between HDFC Bank accounts Free payment and collection through RTGSFree payment and collection using NEFT (through Net Banking) Fre e Demand Drafts which can be issued from any HDFC Bank branch Free Pay Orders which can be issued from any HDFC Bank branchFree 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 picDescription of ChargesMinimum Balance (Average Quarterly Balance) Rs. 5, 00,000/- perquarter Non-Maintenance Charges per quarterCharge 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 facilitiesIssue of Duplicate / Adhoc StatementRs. 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 BalanceAverage of daily closing balances of each day spread over a period of 3 months. Remittance facility through own BankDemand Drafts (DD) Payable at HDFC Bank Locations (Issued from Any branch)/ Duplicate DD Free without limitPay Orders (PO) on HDFC Bank Locations (Issued from Any branch)/ Duplicate PO Free without limitIssuance of DD / PO through Phone Banking Free without limitOnly 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/EF T TransactionsPayments-FreeCollectionsFreeRTGS TransactionsPaymentsFreeCollections-FreeLocal 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 ChargesAll 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 BankIssue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up) Rs. 1.50 per 1000, Minimum Rs. 50/- per instrumentDD-Cancellation / RevalidationRs.50/- per instrument Cheque CollectionOutstation through own bankFree Outstation through another bankCorrespondent b ank 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 Transactions1. Cash DepositCash Deposit-Home Branch CityFree 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 CityMaximum Rs.1, 00,000/- per day. Charges Rs.3/- per Rs.1,000/-, minimum Rs. 50/- 2. Cash WithdrawalCash Withdrawal-Home BranchFree at Home Branch Cash Withdrawal-Non Home Branch-Intracity IntracityFree 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 partycash withdrawal allowed only up to maximum Rs.50,000/- pe r transaction.2.8 MARKET PROFILE OF THE ORGANIZATION participation ProfileHDFC Bank LimitedTicker500180ExchangesOTH BOM2008 gross revenue124,140,000,000Major manufactureFinancialSub IndustryCommercial BanksCountryINDIAEmployees378363.1 STUDENTS WORK PROFILE (ROLE AND RESPONSIBILITIES)I have completed my spend 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 gross revenue Executive in sales department in HDFC Bank Ltd. My role was to buildup better kinship with Customers. HDFC Bank expects its employees to take up the work of gap current account in their respective locations. My main role was to contact customers and make deal for commencement 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 certainness about the current account. To achieve companys target.3.2 DESCRIPTION OF LIVE EXPERIENCEWorking 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 veryimportant.These things are very important which we need to l clear up How should make out 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. as well I knew the Importance of the coordination among all the employees. All the employees are working as a team. When I was new, the wide-cut 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 HDFCs products. 3.3 STUDENT CONTRIBUTION TO ORGANIZATIONIn 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 ready 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 instruction was properly administered to avoid non-respondent error.The primary data is collected by c old calling from respected place ofbranch. 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 in doion. Close as well as open-ended questions are asked. Some multiple-choice questions are also included.3. RESEARCH DESIGN AND METHODOLOGYMain Methodology - Collection of Primary data (Consumer and market place Research) through Personal Questionnaires Collection of Secondary Data (Study of various Current Account) through Computer Data, sack up sites, Books and Magazines.FIELDWORKThe 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 res pondents, personal interviews are conducted to be able to make first hand observation that would reveal some useful discipline about the subject of study.RESEARCH ANALYSISAfter the collection of data I have categorise the data into Primary Data Secondary DataAs 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 PersonalSOURCES OF SECONDARY DATA Through net profit Branch manager approvals Personal vehicle dealers Brochure of the bank4. SUMMARY OF FINDINGSThe Housing Development finance Corporation Limited was introduced in 1994, after the Reserve Bank of India approved private sector banking. operate 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 bran ches that provide funding to self-help microfinance group.After finding primary and secondary data I find1. Customers dont 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.pic1. SUMMARY OF LEARNING EXPERENCEHDFC 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 re alized that only a single-minded focus on product quality and service probity 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 RECOMMENDATIONSConclusionHDFC 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 thr ough partnerships with some of the best financial institutions worldwide.HDFC Bank began operations in 1995 with a simple mission to be aWorld-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. Recommendations1. 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 tube cities, target all big and small city or village. 4. To build the customer relationship5. To modify its marketing strategies6. To improve its selling processpicCOPY OF QUESTIONNAIRE1. Are you aware about Cu rrent Account?a. Yesb. No2. Are you aware about current account providing HDFC Bank? a. Yesb. No3. Are you aware about HDFC Bank Limited?a. Yesb. No4. Are you aware about the procedure of Current Account? a. Yesb. No5. Is HDFC reduces the complexity of Current Account procedure? a. Yesb. No6. Is HDFC provides you cheap and best way to earn money and to make you a independent owner? a. Yesb. No7. Are you aware about the profit volume ratio doing business with HDFC? a. Yesb. No8. Are you interested to open current account in HDFC Bank ? a. Yesb. NoBIBLIOGRAPHY1. www.hdfcbankltd.com2. www.hdfc.in3. www.google.com4. Business Today5. India TodaypicSales ExecutiveTeam LeaderSales handlerArea Sales ManagerArea Sales HeadRegional Sales ManagerZonal Sales ManagerNational Sales Manager