Biography of Banastre Tarleton, British General

Banastre Tarleton (August 21, 1754–January 15, 1833) was a British Army officer during the American Revolution who became notorious for his actions in the southern theater of the war. He gained his reputation for brutality following the Battle of Waxhaws, where he reputedly had American prisoners killed. Tarleton later led part of Lieutenant General Lord Charles Cornwallis army and was crushed at the Battle of Cowpens in January 1781. Remaining active until the end of the war, he was captured following the British surrender at Yorktown that October. Fast Facts: Banastre Tarleton Known For: American RevolutionBorn: August 21, 1754 in Liverpool, EnglandParents: John TarletonDied: January 15, 1833 in Leintwardine, EnglandEducation: Middle Temple in London and University College at Oxford UniversityPublished Works:  A History of the Campaigns of 1780 and 1781, in the Southern Provinces of North AmericaSpouse(s): Mary Robinson (not married, long term relationship ca. 1782–1797) Susan Priscilla Bertie (m. December 17, 1798–his death in 1833)Children: Illegitimate daughter with Kolima, (1797–1801) Banina Georgiana Tarleton Early Life Banastre Tarleton was born August 21, 1754, in Liverpool, England, the third child of John Tarleton, a prominent merchant with extensive ties in the American colonies and the slave trade. John Tarleton served as the mayor of Liverpool in 1764 and 1765, and, holding a position of prominence in the city, Tarleton saw that his son received an upper-class education including studying the law at Middle Temple in London and University College at Oxford University. Upon his fathers death in 1773, Banastre Tarleton received 5,000 British pounds but promptly lost most of it gambling at Londons notorious Cocoa Tree club. In 1775, he sought a new life in the military and purchased a commission as a coronet (second lieutenant) in the 1st Kings Dragoon Guards. Taking to military life, Tarleton proved a skilled horseman and displayed strong leadership skills. Early Career In 1775, Tarleton obtained permission to leave the 1st Kings Dragoon Guards and proceeded to North America as a volunteer with Cornwallis. As part of a force arriving from Ireland, he took part in the failed attempt to capture Charleston, South Carolina in June 1776. Following the British defeat at the Battle of Sullivans Island, Tarleton sailed north where the expedition joined General William Howes army on Staten Island. During the New York Campaign that summer and fall he earned a reputation as a daring and effective officer. Serving under Colonel William Harcourt of the 16th Light Dragoons, Tarleton achieved fame on December 13, 1776. While on a scouting mission, Tarletons patrol located and surrounded a house in Basking Ridge, New Jersey, where American Major General Charles Lee was staying. Tarleton was able to compel Lees surrender by threatening to burn the building down. In recognition of his performance around New York, he earned a promotion to major. Charleston Waxhaws After continuing to provide able service, Tarleton was given command of a newly formed  mixed force of cavalry and light infantry known as the British Legion and Tarletons Raiders in 1778. Promoted to lieutenant colonel, his new command was largely comprised of Loyalists and at its largest numbered around 450 men. In 1780, Tarleton and his men sailed south to Charleston, South Carolina, as part of General Sir Henry Clintons army.   Landing, they aided in the siege of the city and patrolled the surrounding area in search of American troops. In the weeks before Charlestons fall on May 12, Tarleton won victories at Moncks Corner (April 14) and Lenuds Ferry (May 6). On May 29, 1780, his men fell upon 350 Virginia Continentals led by Colonel Abraham Buford. In the ensuing Battle of Waxhaws, Tarletons men butchered Bufords command, despite an American attempt to surrender, killing 113 and capturing 203. Of the captured men, 150 were too wounded to move and were left behind. Known as the Waxhaws Massacre to the Americans, it, along with his cruel treatment of the populace, cemented Tarletons image as a heartless commander. Through the remainder of 1780, Tarletons men pillaged the countryside instilling fear and earning him the nicknames Bloody Ban and Butcher. With Clintons departure after the capture of Charleston, the Legion remained in South Carolina as part of Cornwallis army. Serving with this command, Tarleton took part in the victory over Major General Horatio Gates at Camden on August 16. In the weeks that followed, he sought to suppress the guerrilla operations of Brigadier Generals Francis Marion and Thomas Sumter, but with no success. Marion and Sumters careful treatment of civilians earned them their trust and support, while Tarletons behavior alienated all those he encountered. Cowpens Instructed by Cornwallis in January 1781 to destroy an American command led by Brigadier General Daniel Morgan, Tarleton rode west seeking the enemy. Tarleton found Morgan at an area in western South Carolina known as the Cowpens. In the battle that followed on January 17, Morgan conducted a well-orchestrated double envelopment that effectively destroyed Tarletons command and routed him from the field. Fleeing back to Cornwallis, Tarleton fought in the Battle of Guilford Courthouse and later commanded raiding forces in Virginia. During a foray to Charlottesville, he unsuccessfully attempted to capture Thomas Jefferson and several members of the Virginia legislature. Later War Moving east with Cornwallis army in 1781, Tarleton was given command of the forces at Gloucester Point, across the York River from the British position at Yorktown. Following the American victory at Yorktown and Cornwallis capitulation in October 1781, Tarleton surrendered his position. In negotiating the surrender, special arrangements had to be made to protect Tarleton due to his unsavory reputation. After the surrender, the American officers invited all of their British counterparts to dine with them but specifically forbade Tarleton from attending. He later served in Portugal and Ireland. Politics Returning home in 1781, Tarleton entered politics and was defeated in his first election for Parliament. In 1782, after returning to England and supposedly on a bet with her current lover, Tarleton seduced Mary Robinson, ex-mistress of the Prince of Wales and a talented actress and poet: they would have a 15-year relationship, but never married and had no surviving children. In 1790, he won the election and went to London to serve as a member of Parliament for Liverpool. During his 21 years in the House of Commons, Tarleton largely voted with the opposition and was an ardent supporter of the slave trade. This support was largely due to his brothers and other Liverpudlian shippers involvement in the business. Mary Robinson wrote his speeches after he became a member of Parliament. Later Career and Death With Mary Robinsons assistance, in 1787 Tarleton wrote Campaigns of 1780–1781 in the Southern Provinces of North America, an apologia for his failings in the American Revolution, on which he blamed  Cornwallis. Despite Robinsons active role in his life by the late 18th century, Tarletons growing political career forced him to abruptly end his relationship with her. On December 17, 1798, Tarleton married Susan Priscilla Bertie, an illegitimate daughter of Robert Bertie, the 4th Duke of Lancaster. Tarleton had no surviving children in either relationship; although he did have an illegitimate daughter (Banina Georgiana Tarleston, 1797–1801) with a woman known as Kolima. Tarleton was made a general in 1812, and in 1815, he was created a Baronet and received a Knight Grand Cross of the Order of the Bath in 1820. Tarleton died in London on January 25, 1833.

Nursing Mentorship Program Essay example - 545 Words

As Finkelman (2006) stated, â€Å"Mentoring, and important career development to that can be used by nurses any type of set or specialty, can be used to develop the critical leadership skills needed by nurses. All successful leaders have had mentors are our mentors† (Finkelman,2006, p. 390). Currently my facility has a six to months mentoring program for new graduates. This program is in addition to the current preceptor program that orients the new graduates to the unit they will be assigned. Most of these new nurses are graduates from local nursing schools and have done most of their clinical nursing education at this facility. The hospital realizes that going from a classroom and clinical setting to on hands bedside patient care can be a†¦show more content†¦46). The registered nurse mentor will acts as teachers by sharing knowledge and expertise, counselors by providing psychological support. May act as interveners by providing access to resources and protection, and sponsors by promoting the prestige as he or she facilitates self- reliance. This will provide the mentor with self-assurance, job approval, promotions, managerial skills, and problem-solving skills (Gordon, 2000) The hospital has a list of registered nurses trained and accepted as mentors on the unit that the new grad will be assigned. These nurses are trained as preceptors. Often the new grad will select her preceptor as her mentor. The new grad can also request a new mentor after three months if she believes such a change is necessary to enhance her training. The mentor has the same option if approved by the nurse leader. The new nurse has the choice of how much she wants to interact with the mentor. This means that a mentee determines the capacity of the mentoring relationship and decides upon the amount of dependence and guidance he or she needs. 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Evaluation of Ethical and Financial Performance of ANZ

Question: Discuss about the Evaluation of Ethical and Financial Performance of ANZ. Answer: Introduction: This report aims to recommend the investors to assist in their decision of investment in the shares of Australia New Zealand Banking Group Limited (ANZ) (Shareholder.anz.com 2017). The recommendation will be based on the ethical performance and financial performance of the company. There is an increasing concern for ethical practices in the business. The companies are raising their ethical standard in the conduct of their business operations. Ethical performance is also mandated by the governing bodies and statutory provisions. Financial performance of a company is of utmost importance to all the concerned stakeholders. The employees are concerned of the job security, suppliers are interested to know the liquidity position of the company, and shareholders base their investment decision on the performance of the company. ANZ is engaged in providing best class of banking and financing facilities to personal and retail customers, small business houses, big corporate houses and institutional customers. It is an Australian based bank founded in 1835 and serving the customers in New Zealand, Middle East, Asia Pacific Region, United States and Europe (Shareholder.anz.com 2017). The report covers evaluation of ethical performance of the company and financial performance of the company. The actions taken by the company to deal with the social issues and the current financial performance is highlighted in the report. Based on the analysis, a recommendation on investment will also be provided to the client. Evaluation of ethical performance: Every company faces a number of ethical dilemmas. Some of these dilemmas are specific to the industry or the company. However, reporting and disclosure, environmental and social issues are the main ethical dilemmas fundamental to every business (Lal 2015). ANZ is constantly engaged in dealing with the social issues of enhancing the interest of stakeholders (Epstein and Buhovac 2014). The company invests in development of the community by building opportunity and prosperity. The business aligns its interest with the expectation of the community. They act ethically to build business reputation and gain community trust. The business has specific GIVE program designed to support the community causes (Anz.com 2017). This program enables stakeholders to donate for charitable causes, increases financial inclusion and financial literacy of people, encourages employees to donate their time and skill for development of community and provides emergency relief in case of disasters. The company finances charities and projects through grants and brings a positive difference through various sponsorships. The company has a culture of respecting its customers, suppliers and communities at large. The company has standard of human rights: Respecting Comm unities and People, Human Rights Approach of ANZ to provide fair treatment to employees. To make better decisions and connect with the clients, it promotes inclusive, diverse work force and uses innovative ideas to identify new markets. The company supports the emotional and physical wellbeing of employees, provides a safe working system and promotes a healthy work force. The company invests in learning and development of employees to help build a global career. The employees are given right to express their concerns, ideas and opinions (Anz.com 2017). The company provides simple and easy- to understand banking experience responsibly to build lasting and strong relationship with the customers. It also provides financial assistance to customers who are in crisis. As the organization is in the banking sector, it also has responsibility in relation to business lending, providing secure banking and following a code of banking practice. These demonstrate the extent of the business succe ss in dealing with ethical issues. It works in close connection with the customers to ensure lending of money to socially sensitive industries. As a result the governance risk is reduced (Anz.com 2017). ANZ is a subscriber of standard of good banking practice (Anz.com 2017). Thus, the company is quite successful in terms of addressing the ethical dilemma of social issues. Evaluation of the Financial Performance: Above table indicates that net interest income of the bank has been rising continuously, though the rate of increase is showing a negative trend. In 2014, interest income increased by 8%, in 2015 the rate was 5%, while in 2016 the rate of increase is 3%. The higher net interest income is due to the reduced interest expenses. There is an increase in the provision of loan loss. This has resulted in the reduction of net income after loss provision. In the year 2016, the non- interest income of the bank has reduced by 13.71%. Non- interest expense has increased from AUD 9503 million in 2015 to AUD 10682 million in 2016 (Anz.com 2017). On comparing the net income before taxes for the four years in consideration, ANZ was in the best position in 2015. Net Income after tax is lowest in 2016 and stands at AUD 5720 million. The income available for distribution was AUD 6304 million in 2013, AUD 7265 million in 2014, AUD 7492 million in 2015 and AUD 5709 million in 2016, indicating the lowest i ncome in 2016. Above table shows the ratio analysis for a period of 10 years. Analysis of operating profit ratio reveals that profitability position of the bank varies between the ranges of 5046% to 31.56% with the ratio for 2016 being 39.84 (Anz.com 2017). For the year 2016, EBT margin of the company is third lowest, net margin is lowest and return on assets is lowest during the period concerned. Thus, the profitability of the company shows a negative trend in the period 2016. The profit is below market expectations and it may result in dividend cut. On the basis of above analysis, it is advisable that investors conduct further research. The Income Statement cannot be taken as sole criteria to determine the feasibility of investment. The reduced profitability may be the result of a major change in the financial position. The financial position and analysis of assets and liabilities should also be considered for arriving at the final decision. Recommendation: Australian and New Zealand Banking Group is one of the largest banks on the basis of market capitalization. The company has a proud and long history in terms of ethical performance and financial stability. But the current profitability of the company gives a negative trend, suggesting an increase in the risk level. The bank has recently failed to meet the expectation of the customers with respect to prohibition of the culture of drugs and alcohol. Thus, the investment in the ANZ may prove to be quite risky. However, this recommendation is based on the consideration of only two aspects of the business: profitability and ethical performance. The investment choice needs the evaluation of the financial position of the company, any major change in the strategic decision of the company and the trend of share prices of the company. This is the major limitation of the report. Conclusion: In conclusion, it can be stated that Australian and New Zealand Banking Group is one of the major banks of Australia. It caters to the needs of both, individual customers as well as business houses. ANZ invests in enhancing the interest of stakeholders and supports the community causes by GIVE Program. It has a culture of supporting the wellbeing of employees, their learning and development. In terms of financial performance, the company is more or less consistent. However, the profitability position of the company shows a declining trend for the year 2016. Though the interest income has increased but the reduced income from other operations and the increased non- interest expenses has contributed in the declining position. If the profitability and ethical performance are considered, it is highly recommended not to invest in the company. References: Anz.com, 2017. Code of Banking Practice | ANZ. [online] Anz.com. Available at: https://www.anz.com/about-us/corporate-sustainability/customers/code-banking-practice/ [Accessed 16 Jan. 2017]. Anz.com, 2017. Community | ANZ. [online] Anz.com. Available at: https://www.anz.com/about-us/corporate-sustainability/community/ [Accessed 16 Jan. 2017]. Anz.com, 2017. Employees | ANZ. [online] Anz.com. Available at: https://www.anz.com/about-us/corporate-sustainability/employees/ [Accessed 16 Jan. 2017]. Anz.com, 2017. Responsible business lending | ANZ. [online] Anz.com. Available at: https://www.anz.com/about-us/corporate-sustainability/customers/responsible-business-lending/ [Accessed 19 Jan. 2017]. Anz.com. (2017). ANZ Shareholder Centre [online] Anz.com. Available at: https://www.shareholder.anz.com/our-company/profile [Accessed 10 Jan. 2017]. Epstein, M.J. and Buhovac, A.R., 2014.Making sustainability work: Best practices in managing and measuring corporate social, environmental, and economic impacts. Berrett-Koehler Publishers. Irvine, B. and Smith, S., 2014. Unaudited financial statements.Director. Lal, K., 2015. Effects of Ethical Behaviour on Corporate Performance.CLEAR International Journal of Research in Management, Sciences Technology,5(10). Landier, A., Sraer, D. and Thesmar, D., 2013.Banks' exposure to interest rate risk and the transmission of monetary policy(No. w18857). National Bureau of Economic Research. Shareholder.anz.com, 2017. Corporate Sustainability Review 2016 [online] Available at: https://www.shareholder.anz.com/sites/default/files/2016_corporate_sustainability_report.pdf [Accessed 16 Jan. 2017].

Litter problem essay Essay Example

Litter problem essay Essay As a proposal to help with the littering problem on campus, I suggest more trashcans in the parking lots and other high trafficked areas, some motivational propaganda to promote awareness of litter problem and arsenal student initiatives to help keep campus clean. Lets look a little more at the main reasons people give for why there is litter on campus. The first reason given is laziness, they dont feel like walking to a trashcan to throw away their garbage this is also a lack of motivation. Some think that since there is maintenance it is their job to pick up trash anyway so they are helping provide them a job. Also they let it pile up in their car or they throw it in the back of their truck and the valid blows it out of the vehicle. Another reason given for littering is the lack of available trashcans in a parking lot or other high traffic areas. As a cause of this Students, Patrons, and visitors just throw their trash in the parking lot instead off trashcan. As Mr.. Ray Gillespie has said a big problem as far as littering is from the movement of trash as its being collected. Trash often ends up flying out the back of the Gators that are used to transport trash bags collected in between buildings and from dumpsters as they are being emptied by the garbage trucks. My Proposal to help with the litter problem on campus is to first provide more trashcans in and around the parking lots and high trafficked areas. We will write a custom essay sample on Litter problem essay specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Litter problem essay specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Litter problem essay specifically for you FOR ONLY $16.38 $13.9/page Hire Writer The trashcans should be highly visible, so bright attention grabbing colors would be preferable, so as to encourage people to use them. Another way to help with the litter problem is to create awareness of the problem using motivational propaganda, such as posters, bulletins and other signage. Also by having clean up days that involve students and faculty, especially clubs that are on campus this will help create more awareness. A possible way to encourage student involvement as well would be the possibility of incentives. The incentives could range from a free lunch to extra credit in one of their classes if the teacher is willing. In conclusion, to help with the litter problem on campus, we need to find ways to encourage students to have a personal incentive to keep the campus clean. Create motivational propaganda to create awareness of the litter problem. Provide more trashcans and make them visible to encourage students, patrons, and visitor: to throw trash in trashcans instead of on the ground.

The curious incident of a dog in the nighttime Essays

The curious incident of a dog in the nighttime Essays The curious incident of a dog in the nighttime Essay The curious incident of a dog in the nighttime Essay Everyone has probably wondered once In their Lifetime about how life would have been with a disorder. Through this novel in the head of an autistic boy lives a child trying to express his emotions. The Curious Incident Of The Dog In The Night-Time by Mark Haddam. Mark, the author of this astonishing novel describes how different life is like in an autistic childs mind. This novel is written in a way that normal novels are not. There are diagrams, footnotes and metaphors these elements show the reader how Christopher struggles with autism. Firstly, every author has Its specific style of approach to the audience, the way Mark has added diagrams in this novel to make it look like this is the way autistic kids write or describe it is very unusual. While explaining the Journey of Christopher life, diagrams are something he uses daily. First of all I made a plan of our street Like this(35). Len this diagram it shows a birds eye view of Christopher street. It states that Christopher uses diagrams to help him out on whatever he Is doing. So In this case Christopher Is going to go out and Investigate. So to help himself out, he drew a map of his street. Autism can be serious for some people but they have their ways in helping themselves succeed. Such as Christopher uses diagrams. Novels usually explain their plans in a written description whereas in this novel or maybe in an autistic mind it shows illustrations which makes it unusual. Also, a picture says a thousand words the author uses these diagrams/pleasures which clearly shows a message of the situation. And then I realized that there was nothing And I made a picture of It In my head Like 30). In this diagram It shows a mind map of what choices Christopher has to decide which place would be the safest for him. Most books have words and words and it gets boring, tiring and monotonous. The way Mark Haddam uses diagrams is interesting and no other novel uses this idea. It clearly explains the thinking and the struggle of life for the character. Secondly, each and every novel explains points or elaborates on them, Mark chose to do the same but with footnotes which makes It unusual. A. Not talking to people for a long title. Once I did not talk to anyone for five weeks(46). Novels are written in a way that makes things easier for the audience to read. In this novel Christopher likes to make everything detailed. He states points by elaborating on them more. This is probably because Christopher thinks that everyone notices details as well. He comes and states the points and adds a footnote so it is easier for the audience to understand. Also, the way the author, Mark Haddam write s about how an autistic person connote make a Judgment or decide on a simple situation, Is also unusual. People say that you have to tell the truth. But they do not mean this because you are not allowed to tell an old man that they are A normal or an non-autistic person will understand how to deal or what to do when they come in contact with an older person. If anyone comes into to contact and start a conversation with an older person and they state that l have become old no one would agree with them, but say no, you are still young. Mark has now come to a point In the novel where he be said because of autism. Thirdly, although Christopher does not seem to understand metaphors they are still seen throughout the book. A metaphor is a direct comparison without using like or as. We had a real pig of the day think it should be called a lie because a pig is not like a day(1 5). Mark Haddam uses metaphors in this novel but because Christopher is autistic he cannot understand the meaning of them like normal people do. Christopher thinks that a metaphors are lies and that they can never be true. This shows that the author, Mark the autistic minds of preserving metaphors. Marks writing explains about how Christopher takes metaphors as what it is. By imagining n actual apple in someones eyes. Whereas, for non-autistic people they would think it as you are special. Another reason that makes this novel unusual with the use of metaphors was Christopher did not like his name. My name is a metaphor, it means carrying Christ It was the name given to SST. Christopher because he carried Jesus Christ across a river But I do not want my name to mean a story(16). Mark has a very unusual way to describe the name given to Christopher. Due to autism Christopher does not understand that the story behind naming Christopher, Christopher which was actually nice and a proud feeling that you get named after such a good deed. Christopher takes metaphors the way they are meaning what was his name before he carried Jesus Christ? Basically, the way an autistic mind takes things are not the correct meaning. Therefore, while reading and discovering how an autistic mind works, Mark Haddam has written this novel in an interesting way yet unusual. Such as when he uses diagrams, footnotes and metaphors. Using diagrams, footnotes and metaphors s an interesting way Mark Haddam has shown the audience how an autistic child sees the world. Christopher uses diagrams as a navigator throughout his life. He likes to make everything detailed so its easier for the audience to understand his mind by using footnotes. And not knowing the real meaning of what a metaphor really means is not in the hands of an autistic child. The Curious Incident OF the Dog In The Night- Time by Mark Haddam illuminates a core of suffering through the narrowly focused novel in sights of a boy who has no words to describe emotional pain.

D-Day

D-Day What Was D-Day? In the early morning hours of June 6, 1944, the Allies launched an attack by sea, landing on the beaches of Normandy on the northern coast of Nazi-occupied France.   The first day of this major undertaking was known as D-Day; it was the first day of the Battle of Normandy (code-named Operation Overlord) in World War II. On D-day, an armada of approximately 5,000 ships secretly crossed the English Channel and unloaded 156,000 Allied soldiers and nearly 30,000 vehicles in a single day on five, well-defended beaches (Omaha, Utah, Pluto, Gold, and Sword). By the end of the day, 2,500 Allied soldiers had been killed and another 6,500 wounded, but the Allies had succeeded, for they had broken through the German defenses and created a second front in World War II. Dates:   June 6, 1944 Planning a Second Front By 1944, World War II had already been raging for five years and most of Europe was under Nazi control. The Soviet Union was having some success on the Eastern Front but the other Allies, specifically the United States and the United Kingdom, had not yet made a full-fledged attack on the European mainland. It was time to create a second front. The questions of where and when to start this second front were difficult ones. The northern coast of Europe was an obvious choice, since the invasion force would be coming from Great Britain. A location that already had a port would be ideal in order to unload the millions of tons of supplies and soldiers needed. Also required was a location that would be within range of Allied fighter planes taking off from Great Britain. Unfortunately, the Nazis knew all this as well. To add an element of surprise and to avoid the bloodbath of trying to take a well-defended port, the Allied High Command decided on a location that met the other criteria but that did not have a port the beaches of Normandy in northern France. Once a location had been chosen, deciding upon a date was next. There needed to be enough time to collect the supplies and equipment, gather the planes and vehicles, and train the soldiers. This whole process would take a year. The specific date also depended on the timing of low tide and a full moon. All of this led to a specific day – June 5, 1944. Rather than continually refer to the actual date, the military used the term â€Å"D-Day† for the day of attack. What the Nazis Expected The Nazis knew the Allies were planning an invasion. In preparation, they had fortified all northern ports, especially the one at Pas de Calais, which was the shortest distance from southern Britain. But that was not all. As early as 1942, Nazi Fà ¼hrer Adolf Hitler ordered the creation of an Atlantic Wall to protect the northern coast of Europe from an Allied invasion. This was not literally a wall; instead, it was a collection of defenses, such as barbed wire and minefields, that stretched across 3,000 miles of coastline. In December 1943, when highly-regarded Field Marshal Erwin Rommel (known as the â€Å"Desert Fox†) was put in charge of these defenses, he found them completely inadequate. Rommel immediately ordered the creation of additional â€Å"pillboxes† (concrete bunkers fitted with machine guns and artillery), millions of additional mines, and a half million metal obstacles and stakes placed on the beaches that could rip open the bottom of landing craft. To hinder paratroopers and gliders, Rommel ordered many of the fields behind the beaches to be flooded and covered with protruding wooden poles (known as â€Å"Rommel’s asparagus†). Many of these had mines fitted on top. Rommel knew that these defenses would not be enough to stop an invading army, but he hoped it would slow them down long enough for him to bring reinforcements. He needed to stop the Allied invasion on the beach, before they gained a foothold. Secrecy The Allies desperately worried about German reinforcements. An amphibious attack against an entrenched enemy would already be incredibly difficult; however, if the Germans ever found out where and when the invasion was to take place and thus reinforced the area, well, the attack might end disastrously. That was the exact reason for the need of absolute secrecy. To help keep this secret, the Allies launched Operation Fortitude, an intricate plan to deceive the Germans. This plan included false radio signals, double agents, and fake armies that included life-size balloon tanks. A macabre plan to drop a dead body with false top-secret papers off the coast of Spain was also used. Anything and everything was used to deceive the Germans, to make them think that the Allied invasion was to occur somewhere else and not Normandy. A Delay All was set for D-Day being on June 5, even the equipment and soldiers had already been loaded onto the ships. Then, the weather changed. A massive storm hit, with 45-mile-an-hour wind gusts and lots of rain. After much contemplation, the Supreme Commander of the Allied Forces, U.S. General Dwight D. Eisenhower, postponed D-Day just one day. Any longer of a postponement and the low tides and full moon wouldn’t be right and they’d have to wait another whole month. Also, it was uncertain they could keep the invasion secret for that much longer. The invasion would begin on June 6, 1944. Rommel also paid notice to the massive storm and believed that the Allies would never invade in such inclement weather. Thus, he made the fateful decision to go out of town on June 5 to celebrate his wife’s 50th birthday. By the time he was informed of the invasion, it was too late. In Darkness: Paratroopers Begin D-Day Although D-Day is famous for being an amphibious operation, it actually started with thousands of brave paratroopers. Under the cover of darkness, the first wave of 180 paratroopers arrived in Normandy. They rode in six gliders that had been pulled and then released by British bombers.   Upon landing, the paratroopers grabbed their equipment, left their gliders, and worked as a team to take control of two, very important bridges: the one over the Orne River and the other over the Caen Canal. Control of these would both hinder German reinforcements along these paths as well as enable the Allies access to inland France once they were off the beaches. The second wave of 13,000 paratroopers had a very difficult arrival in Normandy. Flying in approximately 900 C-47 airplanes, the Nazis spotted the planes and started shooting. The planes drifted apart; thus, when the paratroopers jumped, they were scattered far and wide.    Many of these paratroopers were killed before they even hit the ground; others got caught in trees and were shot by German snipers. Still others drowned in Rommel’s flooded plains, weighed down by their heavy packs and tangled in weeds. Only 3,000 were able to join together; however, they did manage to capture the village of St. Mà ©re Eglise, an essential target. The scattering of the paratroopers had a benefit for the Allies – it confused the Germans. The Germans did not yet realize that a massive invasion was about to get underway. Loading the Landing Craft While the paratroopers were fighting their own battles, the Allied armada was making its way to Normandy. Approximately 5,000 ships including minesweepers, battleships, cruisers, destroyers, and others – arrived in the waters off France around 2 a.m. on June 6, 1944. Most of the soldiers on board these ships were seasick. Not only had they been on board, in extremely cramped quarters, for days, crossing the Channel had been stomach turning because of extremely choppy waters from the storm. The battle began with a bombardment, both from the armada’s artillery as well as 2,000 Allied aircraft that soared overhead and bombed the beach defenses. The bombardment turned out to be not as successful as had been hoped and a lot of German defenses remained intact. While this bombardment was under way, the soldiers were tasked with climbing into landing craft, 30 men per boat. This, in itself, was a difficult task as the men climbed down slippery rope ladders and had to drop into landing craft that were bobbing up and down in five-foot waves. A number of soldiers dropped into the water, unable to surface because they were weighted down by 88 pounds of gear. As each landing craft filled up, they rendezvoused with other landing craft in a designated zone just outside of German artillery range. In this zone, nicknamed â€Å"Piccadilly Circus,† the landing craft stayed in a circular holding pattern until it was time to attack. At 6:30 a.m., the naval gunfire stopped and the landing boats headed toward shore. The Five Beaches The Allied landing boats were headed to five beaches spread out over 50 miles of coastline.   These beaches had been code-named, from west to east, as Utah, Omaha, Gold, Juno, and Sword. The Americans were to attack at Utah and Omaha, while the British struck at Gold and Sword. The Canadians headed toward Juno. In some ways, soldiers reaching these beaches had similar experiences. Their landing vehicles would get close to the beach and, if they were not ripped open by obstacles or blown up by mines, then the transport door would open and the soldiers would disembark, waist-deep in the water. Immediately, they faced machine-gun fire from the German pillboxes. Without cover, many in the first transports were simply mowed down. The beaches quickly became bloody and strewn with body parts. Debris from blown up transport ships floated in the water.   Injured soldiers that fell in the water usually did not survive – their heavy packs weighed them down and they drowned. Eventually, after wave after wave of transports dropped off soldiers and then even some armored vehicles, the Allies started making headway on the beaches. Some of these helpful vehicles included tanks, such as the newly designed Duplex Drive tank (DDs). DDs, sometimes called â€Å"swimming tanks,† were basically Sherman tanks that had been fitted with a flotation skirt that allowed them to float. Flails, a tank equipped with metal chains in front, was another helpful vehicle, offering a new way to clear mines ahead of the soldiers. Crocodiles, were tanks equipped with a large flame thrower. These specialized, armored vehicles greatly helped the soldiers on Gold and Sword beaches. By early afternoon, the soldiers on Gold, Sword, and Utah had succeeded in capturing their beaches and had even met up with some of the paratroopers on the other side. The attacks on Juno and Omaha, however, were not going as well. Problems at Juno and Omaha Beaches At Juno, the Canadian soldiers had a bloody landing. Their landing boats had been forced off course by currents and thus had arrived at Juno Beach a half hour late. This meant that the tide had risen and many of the mines and obstacles were thus hidden under water.   An estimated half of the landing boats were damaged, with almost a third completely destroyed. The Canadian troops eventually took control of the beach, but at a cost of more than 1,000 men. It was even worse at Omaha. Unlike the other beaches, at Omaha, American soldiers faced an enemy that was safely housed in pillboxes located on top of bluffs that soared 100 feet above them. The early-morning bombardment that was supposed to take out some of these pillboxes missed this area; thus, the German defenses were nearly intact. The were was one particular bluff, called Pointe du Hoc, that stuck out into the ocean  between Utah and Omaha Beaches, giving German artillery at the top the ability to shoot at both beaches. This was such an essential target that the Allies sent in a special Ranger unit, led by Lt. Col. James Rudder,  to take out the artillery on top. Although arriving a half hour late because of drifting from a strong tide, the Rangers were able to use grappling hooks to scale the sheer cliff. At the top, they  discovered that the guns had been temporarily replaced by telephone poles to fool the Allies and to keep the guns safe from the bombardment. Splitting up and searching the countryside behind the cliff, the Rangers  found the guns. With a group of German soldiers not far away, Rangers snuck in and detonated thermite grenades in the guns, destroying them.   In addition to the bluffs, the crescent-shape of the beach made Omaha the most defensible of all the beaches. With these advantages, the Germans were able to mow down transports as soon as they arrived; the soldiers had little opportunity to run the 200 yards to the seawall for cover. The bloodbath earned this beach the nickname â€Å"Bloody Omaha.† The soldiers on Omaha were also essentially without armored help. Those in command had only requested DDs to accompany their soldiers, but nearly all of the swimming tanks headed toward Omaha drowned in the choppy waters. Eventually, with the help of naval artillery, small groups of men were able to make it across the beach and take out the German defenses, but it would cost 4,000 casualties to do so. The Break Out Despite a number of things not going to plan, D-Day was a success. The Allies had been able to keep the invasion a surprise and, with Rommel out of town and Hitler believing the landings at Normandy were a ruse for a real landing at Calais, the Germans never reinforced their position. After initial heavy fighting along the beaches, the Allied troops were able to secure their landings and break through German defenses to enter the interior of France. By June 7, the day after D-Day, the Allies were beginning the placement of two Mulberries, artificial harbors whose components had been pulled by tugboat across the Channel. These harbors would allow millions of tons of supplies to reach the invading Allied troops. The success of D-Day was the beginning of the end for Nazi Germany. Eleven months after D-Day, the war in Europe would be over.

Demonstration of the Value of Health, Safety and Environmental Essay

Demonstration of the Value of Health, Safety and Environmental Programs in Corporate Settings - Essay Example 75 million working days are lost because of on-job-hazards. $50 billion are given as compensation for injuries and deaths in organizations. $50 billion is spent on indirect costs like replacement, training and so on (Bohlander, 2004). On average $23,000 per serious accident- is the cost incurred by an employer in U.S.A. When a boiler explosion killed 6 workers at Ford's Rouge Power Plant, Ford was fined $1.5 million and directed to spend $6million on safety measures. The staggering number of work-related accidents is alarming. 6,026 U.S workers died recently in workplace incidents at work and 6.2 million suffered from workplace injuries and many go unreported. In 2004, 5,703 fatalities have been reported of which 1004 were due to contact with equipments,815 because of falls, 459 due to exposure to harmful substances and 159 due to fire and explosions. Organizations should ensure a safe work environment which protects employees from physical hazards, unhealthy situations and violence from other personal. This can be achieved by Safety and Health Programmes which strives to preserve the physical and emotional well-being of the employees. This is important because employees are the Human Resources of an organization who contribute towards organizational success. The Occupational Safety and Health Act (OSHA) was passed in 1970 to assure so far as possible every working woman and man in the Nation safe and healthy working conditions and to preserve human resources. The Occupational Safety and Health Act in 1970 created (OSHA) the Occupational Safety and Health Administration within the Department of labour. The importance of such laws can be well documented by the statistical survey of Occupational hazards. In 2000, 5.7 million injuries were reported in private sector alone. 5,915 fatalities were reported in 2000 alone due to industrial injuries. The Occupational Safety and Health Act laws cover all the employers and their employees except a few federal governments, or states or political sub-divisions of a state. However, even in such cases, each federal agency is required to establish a Safety and Health program monitored by the Occupational Safety and Health Administration. One of the key responsibilities of the Occupational Safety and Health administration has been the development of mandatory job safety and health standards, enforce these standards and monitor them. These standards have been classified into four categories. 1. General Industry 2. Maritime 3. Construction and 4. Agriculture. These standards cover the workplace, machinery, material, power sources, processing, protective measures, first aid and administrative requirements. The 'Federal Register' is the main source of information on proposed, adapted, amended and deleted OSHA standards. The Occupational Safety and Health Administration has the power to set standards on its own account or on petition from other parties, namely, The Secretary of Health and Human Services (HHS) and the National Institute of Occupational Safety and Health (NIOSH). Other bodies like state and local governments, nationality recognized standards organization, employer or labour representative can also initiate standard setting. The Secretary of labour is the person authorized by OSHA to conduct inspections of workplaces, to

Is religion a choice or it's just a brainwashing Research Proposal

Is religion a choice or it's just a brainwashing - Research Proposal Example 173). For decades organizations and associations have been using pressure tactics and mind control in the name of religion. Through brainwashing an individual is forced into conversion, which not just violates the human rights, but also has negative psychological consequences. They realize the extent to which they had been under influence, when they exit or defect from the system. Free will in religion is essential to maintain human rights and dignity but the way things stand, religion is not a matter of choice. The concept of brainwashing originated from the communists with the intention of overpowering the free will of the victims or forcing them to become communists (Anthony 1999, p. 424). It was then applied by religious cults in converting people. Religious experiences and beliefs are caused due to hallucinations and delusions (p. 428). Anthony cites Abgrall who believes that brainwashing, mind control, mental handling, coercive persuasion, are all methods to replace the thinking process (p. 426). Hypnosis makes people highly susceptible to â€Å"suggestions† (p. 428) and the altered states of consciousness results in conversions based on overwhelmed will (p. 429). Even though America has rejected the brainwashing model, Robbins cites three shocking events where violence resonated – Jonestown, Synanon and Rajneeshpuram (Robbins, p. 171). How the court or the judges interpret law widely differs from psychological reality or how transformations or beliefs can be affected or influenced. This has been found in not one but series of conspicuous events. Evidences from France, Belgium and Geneva demonstrate that various techniques have been used to recruit members and retain them (Richardson and Introvigne, p. 147) although there are allegations that America has exported the concept of brainwashing to all other countries. A French psychiatrist compares conversion or brainwashing to seduction

The Use of Shocking and Stricking Visual Effects Essay Example for Free

The Use of Shocking and Stricking Visual Effects Essay Early seventeenth century plays often make striking use of visual effects to shock the audience. Explain the ways Ford creates striking or shocking dramatic effects in Tis Pity Shes a Whore. Plays of the seventeenth century are notoriously known for being rife with gory representations and some critics have gone as far as to suggest that Ford is a prime example of the glorification of violence and sex on the stage. However, this stylistic use and representation was not unwanted by his audience seventeenth century theatre goers of that age expected shocking scenes with the purchase of a ticket. This very apparent made it necessary for Ford to sometimes over dramatise or make more bounteous his shocking and striking scenes John Ford, many would argue, went just that one step further. Undeniably, one of the most shocking moments that Ford creates is seen fairly near to the beginning of the play in an exchange between Giovanni and Annabella. The plays main plot revolves around the two siblings and their growing love for one another, and we see this love addressed and first reciprocated in Act I, Sc 2. Giovanni is first to admit his love, offering Annabella a dagger to strike him with if she does not requite this love. This moment is extremely dramatic and shocking to the audience, as Giovannis desperate nature if revealed here; Ford establishes both his character and his characters intentions very forcefully. Later in the scene, the two kneel together, making a commitment to one another. They both say the exact same thing, except brother is changed to sister where applicable. Ford here creates a dichotomy for his audience; without our prior knowledge, this scene is strikingly beautiful, but we as an audience as ultimately repelled and shocked by their declaration of love upon our mothers dust. Ford uses the proxemics of Annabella and Giovanni as a method of shocking the audience. The kneeling suggests a greater commitment, almost a spiritual marriage between the two or giving oneself up to the other. Giovanni follows suit by kneeling by Annabella. This not only creates an effect use of the stage, but also a differentiation between normality, but a consistency and uniformity between the two. The shocking element of this scene is aided by the repetition of speech and the language used; they both start and finish addressing each other as their siblings. This reinforces the wrongness the repulsion, unsettling feeling toward the shocking situation. They also swear on their dead mother, creating more family ties and emphasising the severity of their actions, or the actions they would be willing to carry out. The two then declare, love me, or kill me; this again shows the severity of passion between the two. It is interesting to note that this proclamation of love is the only one found throughout the play that is true, deep and meaningful. In retrospect, Fords creation and portrayal of an incestuous relationship as the only one that is right throughout the play, shocks the audience and forces them to make judgements between what they believe are right and wrong.

Patients Rights Essay -- patients’ bill of rights

The practice of medicine in the 1960s saw a change in the doctor-patient relationship that ultimately cultivated the patients’ rights movement. Individuals sought to become proactive in the healthcare and the healing process of their bodies. Because the medical practice was evolving rapidly in technology and specialized care, patients’ healthcare and rights became a major concern that needed to be addressed. In 1973 the American Hospital Association published a patients’ bill of rights that provided the patient with most advantageous healthcare available. This bill of rights required all accredited hospitals to accept this standard moving forward (Patients' Rights, 2004). The American Medical Association (AMA) developed a Code of Medical Ethics which includes: the patient has a right to obtain and discuss health information related to benefits, risks, and costs of treatment alternatives; patient’s can make decisions pertaining to healthcare suggested by the physician; the patient has the right to courtesy, respect, dignity, and attention to healthcare needs in a timely manner; and the patient has a right to confidentially, continuity, and adequate health care. (emedicinehealth, 2011). Communicating openly and honestly between the patient and doctor will allow both parties to make decisions to properly take care of needs. Patients’ have the right to know all details related to the service or treatment that will be provided and the right to refuse any such service or treatment before it happens. This informed consent will communicate exact procedure details, pain intensity and or disability period encountered, risk involvement, and any alternative methods of treatment and its risks. A patient will receive a concurrence... ...egrity of protected health information. Works Cited emedicinehealth. (2011). Retrieved February 23, 2011, from http://www.emedicinehealth.com/script Fiore, K. (2011) HIPAA Violation Costs Cignet Millions. Retrieved March 15, 2011 from http://www/medpagetoday.com/tbprint.cfm?tbid=25036 Patients' Rights. (2000). Retrieved February 23, 2011, from The Royal Society of Medicine Health Encyclopedia: http://lirnproxy.museglobal.com Patients' Rights. (2004). Retrieved February 2011, 23, from New Harvard Guide to Women' Health, The. http://lirnproxy.museglobal.com Privacy Rights Clearinghouse. (2011, January). Retrieved March 03, 2011, from PrivacyRights.org: http://www.privacyrights.org/fs/fs8-med.htm U.S. Dept. of Health and Human Services. (2011). Retrieved February 23, 2011, from hhs.gov: http://www.hhs.gov/ocr/privacy/hipaa

Maximum Megaherzt Case Study

Magali Ekome Ndong MGT 4330 Dr. Margaret Shipley Tuesday November 6th 2012 Case#4 Maximum Megahertz Project Maximum Megahertz Olaf Gundersen, CEO of Wireless Telecom Company, is facing a difficult situation. He accepted a project proposed by 6 of his cleverest R&D specialist, The Maximum Megahertz project. This project is now behind. In order to get out of this â€Å"quandary† and avoid such issues in the future, Olaf Gundersen and his team should ask themselves these questions. How can they learn from their mistake? How to identify a risky project and put an end to it?This particular case is related to chapter 14 of our textbook. This chapter deals with project closure or what to do when your project is done. Although here our project is not done, these chapters discuss the main reason why it is so. It is said on page 505 of the textbook, â€Å"the closure phase is as important as any other phase of the project. Observation tells us that organizations that manage closure and review well prosper. Those who don’t tend to have projects that drag on forever and repeat the same mistake over and over†.It is said in our case that this project is not the first one Olaf and his company as difficulty with. Matter of fact, there were three other projects that could not be completed in the last 5 years. The CEO kept on investing resources into these projects knowing that they were dead end. We can therefore, affirm that Olaf did not learn from his mistakes. He needs to include in his future plan of action a review stage after each project completion. Here, we seem to have a â€Å"perpetual† project which is a never ending project.For instance, completing this project will take 6 additional months when it is already 4 months late. Also, this project initially demanded $600,000 and now requires $800,000 more. The team faces numerous issues such as power reduction, speed increase and use of a new technology battery. In regard to all the informatio n given, I will suggest that Olaf puts an end to this project. He could certainly pour more resources into the project, but doing so will not be a wise decision, in regard to his past failures.Also, Olaf is already discouraged and unmotivated about this project â€Å"his gut feeling tell him the project will never materialize, and he should get out†. In other to avoid having the same issues down the road, Olaf and his team need a plan of action. In this plan he first needs to review past projects and identify recurring issues. For that, he should hire and independent facilitators that will review previous or current projects that will draw lessons learned and advise on future procedures.Second, he needs to evaluate his team members and look for any issues such as effectiveness of group decision, problem solving processes, group cohesion and quality of information exchanged as suggested in our textbook page 512. Also, before accepting any new project, Olaf should make sure he understands all the parts and that his Telecom Company is fit to fulfill the project. An article by Ted Klastorin and Gary Mitchell, suggest that planning is a critical step in project completion.We can read from this extract from the article, Optimal project planning under the threat of a disruptive event, â€Å"A critical part of most project plans is a baseline schedule (or pre-schedule; Herroelen, 2007; Van de Vonder et al. , 2007) that is frequently used for timing resource allocation decisions in supplier contracts as well as communicating with project stakeholders and setting benchmarks for project monitoring and control. The importance of defining stable baseline schedules has been recognized by the Project Management Institute (Project Management Institute, 2008)†.Furthermore, this article adds that â€Å"Given the importance of baseline schedules in the planning process, researchers and practitioners have focused on methodologies for finding schedules that are robu st to random durations†. In this article, the authors propose a model or formula to use in case of disruption as follow â€Å"In this article, we introduce a problem faced by managers who are planning complex projects; that is, how should project managers react when faced with the threat of a possible DE that would stop all work on the project for a given period while overhead and indirect costs continue to accrue?While this problem is related to previous work on project risk, our model analyzes policies that minimize expected total costs under very general conditions†. Although we will not go in dept. into the model, but we are here assure that they ways to effectively deal with disruptions. In conclusion, Olaf should step out of this project and refrain from engaging in any new ones before he consults a review committee that will help highlight the errors he has made in the past. Also, we suggest that looks closer at his planning strategy and eview his team. Works Cit ed Case Megahertz Project page 530 Project Management: the managerial process Erik W. Larson, Clifford F. Gray, 5 ed. Chapter 14 Project Closure pages 504-531 Project Management: the managerial process Erik W. Larson, Clifford F. Gray, 5 ed. Optimal Project Planning under the Threat of a Disruptive Event, Ted Klastorin, Gary Mitchell IIE Transactions Vol. 45, Iss. 1, 2013 ABInform http://wj2gn4jw9z. search. serialssolutions. com. ezproxy. uhd. edu/? ctx_ver=Z39. 8-2004&ctx_enc=info:ofi/enc:UTF-8&rfr_id=info:sid/ProQ%3Aabiglobal&rft_val_fmt=info:ofi/fmt:kev:mtx:journal&rft. genre=article&rft. jtitle=IIE+Transactions&rft. atitle=Optimal+project+planning+under+the+threat+of+a+disruptive+event&rft. au=Klastorin%2C+Ted%3BMitchell%2C+Gary&rft. aulast=Klastorin&rft. aufirst=Ted&rft. date=2013-01-01&rft. volume=45&rft. issue=1&rft. spage=68&rft. isbn=&rft. btitle=&rft. title=IIE+Transactions&r

A Tale of Two Cities Symbolism

An example of symbolism AND imagery is the broken wine cask. As dickens describes the scene outside of Defarge’s wine shop and all the scrambled people, he is able to create a symbol of hunger. I think this hunger is not only the peasant’s starvation, but also metaphorically for political freedoms. For instance, the narrative directly associates the wine with blood, noting that some of the peasants have acquired â€Å"a tigerish smear about the mouth† and portraying a drunken figure scrawling the word â€Å"blood† on the wall with a wine-dipped finger.As he shows such a strong symbol, the imagery is what makes the readers feel like they are actually in the book. The way he describes the setting is horrifying, yet intriguing, which is one of many ways he makes the symbol stand out. â€Å"The wine was red wine, and had stained the ground of the narrow street in the suburb of Saint Antoine, in Paris, where it was spilled. It had stained many hands, too, and many faces, and many naked feet, and many wooden shoes.The hands of the man who sawed the wood, left red marks on the billets; and the forehead of the woman who nursed her baby, was stained with the stain of the old rag she wound about her head again. Those who had been greedy with the staves of the cask, had acquired a tigerish smear about the mouth; and one tall joker so besmirched, his head more out of a long squalid bag of a night-cap than in it, scrawled upon a wall with his finger dipped in muddy wine-lees—blood. † (Dickens, 29-30) Because of dickens use of personification, it helps readers really get a feel for the book.For example, the concept of hunger is described in Chapter 5, as staring down from the chimneys of the poor and rattling its dry bones. â€Å"Hunger. It was prevailed everywhere. Hunger was pushed out of the tall house, in the wretched clothing that hung upon poles and lines; hunger was patched into them with straw and rag and wood and paper. Hun ger was repeated in every fragment of the small modicum of firewood that man sawed off; hunger started down from the smokeless chimneys and started up from the filthy street that had no official, among its refuse, of anything to eat. † (Dickens, 32)

Alexandra essays

Alexandra essays She was born to a family of little prospect, but in her nature she knew she would do great things. Her childhood was marked by death, death of her family, parents, siblings and friends; she soon learned to hate dragons and all evil in the world. She found strength through religion and faith in the good of humankind. Living in the outlands, wasnt the ideal dream for any one. Alexandra, youngest child of seven, lived with her parents and siblings forming a family of nine. Every one both at the house and in the field did work. At her fifth birthday she witnessed the death of her entire family and many more, as dragons and other foul creatures slaughtered them. Paralyzed by her terror she was saved from the slaughtering. The children had been playing games when the attack was made; Alexandra had been hiding in a well. Not noticed by any of the foul creature she lived. Many days later priests found her lying in the ruins of her home. Weak and near death, the priests brought her to their monastery. There she was nurtured back to health, remembering little but the terrors of the attack, she was hunted by horrible dreams. She found that her hatred grew stronger every day and she became restless, the priests took her in teaching her the writings from the holy Bible. Learning to forgive was a great leap in her process. Dreams started to be less horrible but every now and then they came back, with full fury. It took years for her to learn how to channel her hatred into something use full for her self. At the age of twelve she left the monastery, heading for the military school of Nosk. She learned the use of both arms and wits by the teachings of the schools minister. Never forgetting the teachings from her childhood. She always remembered to up hold God in his right full place. The Bible always was in her presence, always a place to find peace. She was soon on every ones lips; comm ...

Short Mothers Day Quotes for Emails or Cards

Short Mothers Day Quotes for Emails or Cards The mother-child bond is too strong to be dulled by distance. Even if you are miles away from your dear mother, reach out to her with a thoughtful message. If you have something more elaborate in mind, here are some ideas. Why Use Mothers Day Quotes Usually, it is not too difficult to pick a gift for mothers. Mothers are not fussy creatures. Youd hardly meet a mother who would tell her son, Honey, Id really like the exquisite silver cutlery I saw at Macys. On the contrary, she would mostly say something like, Oh, sweetie, dont bother with these expensive gifts. All I want is to spend time with you. So heres the hint: Your mother needs you. Your mother, though she deserves a lot more, needs just a little bit of your time. If you want to be thoughtful, scribble her a few Mothers Day quotes to make her feel special. Share some happy moments with her, reading these wonderful quotes about mothers. Talk about your beautiful childhood memories, and watch her eyes go misty with those memories. Thats how you can make your mother the happiest woman in the world. Jane SellmanThe phrase working mother is redundant.Spanish ProverbAn ounce of mother is worth a pound of clergy.Bill WattersonMothers are the necessity of invention.Harriet Beecher StoweMothers are instinctive philosophers.Jewish proverbA mother understands what a child does not say.James Russell LowellThat best academy, a mothers knee.D. W. WinnicottThe precursor of the mirror is the mothers face.Henry Ward BeecherThe mothers heart is the childs school-room.Jill ChurchillThere is no way to be a perfect mother and a million ways to be a good one.William Makepeace ThackerayMother is the name for God in the lips and hearts of little children.George WashingtonAll I am I owe to my mother.Lisa AltherAny mother could perform the jobs of several air-traffic controllers with ease.Ian NelsonMommy brain: when your grey matter turns into grey hair.Moorish ProverbEvery beetle is a gazelle in the eyes of its mother.Abraham LincolnAll that I am or ever hope to be, I owe to my angel Mother.The Gold en GirlsIts not easy being a mother. If it were easy, fathers would do it. J. D. SalingerMothers are all slightly insane.Ed AsnerRaising a kid is part joy and part guerilla warfare.Lin YutangOf all the rights of women, the greatest is to be a mother.

Use valid academic sources to illustrate the proximate causes for the Research Paper

Use valid academic sources to illustrate the proximate causes for the massive downturn of the U.S. economy 2009 - Research Paper Example What is however, significant to note that the crisis created a kind of contagion effect on other sectors of the economy also and started to take deeper roots in terms of creating recessionary pressures on the economy? During the last quarter of 2007, US officially went into the recession and official response from US government started to emerge. US took massive action in terms of supporting the failing institutions and government injected tax payers’ money in order to ensure that the whole financial system of the country should not collapse. This also included separate responses from the different actors of the State including The President, Congress, Treasury as well as the Fed Chairman while working in their official capacity. As discussed above that the original cause of financial crisis was the busting of asset bubble wherein the subprime mortgage portfolio of the banks started to get worse. Over the period of time, banks started the practice of lending to subprime borrowers- borrowers with impaired credit history- in order to earn higher returns. Most of the banks however, also securitized their mortgage portfolio and subsequently repackaged their loans and sold them in the form of mortgage based securities. (Cocheo. 2007). The real issue started to emerge when the subprime borrowers started to default and the banks have to divert their own funds to payoff their obligations on the mortgage based securities. This mismatching of the cash flows therefore created the credit crunch for other sectors of the economy and slowly started to engulf the whole economy. The apparent reason may be the subprime mortgages however, underlying this crisis, many critical weaknesses of the regulatory environment of the country. It is generally argued that the overall regulatory environment of the developed countries was so relaxed that the firms took undue advantage and started to adapt the business practices which were risky and put the entire

Scaffolding as teaching technique Research Paper

Scaffolding as teaching technique - Research Paper Example Vygotsky suggests that learning at the social level precedes learning at an individual level, which highlights the importance of participation by the society in the learning process. The concept thrives to illustrate the role of that adults can engage in to assist their children in the learning process by participating jointly in problem-solving activities. As such, both parties are capable of establishing effective communication during the activities and the student gains understanding through a mutual perspective. Although there has been no consensus with regard to the definition of scaffolding, clear-cut characteristics exist among the numerous definitions. One such characteristic is contingency, which illustrates the adjusted and well-calibrated support accorded to the learner. The support accorded is usually oriented to accommodate the level of the student and his/her performance. As such, for offered support to be effective, the level of competence of the student must be define d and the support accorded is at the same or slightly higher level. Another common characteristic entails the gradual withdrawal of the afforded support, a concept referred to as fading. The amount of support given is reduced with time based on the response of the student in terms of development and level of competence. As the amount of time decreases responsibility for the indicated tasks is transferred to the student as he/she increases in cognitive capacity. Summary of Research Studies indicate that scaffolding strategies provide individualised instructions to students who would otherwise be lost in the learning process. This allows instructors to observe students and establish a tailored approach on the student, pushing him/her towards success. The differentiated instructions ensures that the student receives information and direction in accordance to his/her level of competence, which works to foster better understanding of concepts. Moreover, scaffolding techniques improve the acquisition of skill and knowledge owing to the support provided. This is facilitated by the opportunity to offer differentiated and individualised instructions through other students who have higher level of understanding. As such, guidance offered ensures that the learner is accommodated to build his confidence and joy in learning. This ensures that the learner does not feel left out or incompetent despite his/her learning challenges, which would increase the learner’s frustration levels. Similarly, studies illustrate the role of scaffold strategies in triggering independence among students through encouragement (Stone, 1998). It has been indicated that scaffolding engages and motivates the learner who in turn use their past knowledge to grasp new concepts. In this regard, scaffold strategies ensure that learners are not passive but active in the learning process, which goes a long way in boosting confidence levels. However, some critics argue that the scaffolding metaphor is based on task completion and cannot be effective in the learning process (Biemiller and Meichenbaum, 1998). The studies cite poor communication skills between the instructor and the learner and suggest that the learners cannot fully internalise concepts based on temporary support. In addition, measurement of scaffolding has been identified as a challenge since there are no

JOUR 330 Research Paper Example | Topics and Well Written Essays - 2000 words

JOUR 330 - Research Paper Example The video (viewer discretion advised due to graphic content) shows the CEO and his hunting party looking over a farmer's damaged crops, shooting at elephants at night, and Parsons posing with the dead bull. It also shows crowds of villagers field dressing the carcass the next morning.† (Burgess, 2011) Perhaps because the image recalled African safaris of the robber barons of late 19th century capitalism and the archaic, out of touch, and even barbaric behavior of the â€Å"super-rich,† bloggers around the world wrote articles protesting this, and thousands of customers cancelled accounts with GoDaddy. The company’s competitors took advantage of this, issuing free transfer and discount coupons for people who wanted to switch their business away from GoDaddy. This situation can be regarded as a case example in public relations because Bob Parsons illustrates exactly what not to do when media problems occur for a company. His actions, statements, and behavior in resp onse to the first controversy arguably made the situation even worse for him and his company in the public relations context. While the company claims it has not lost much business from this, the story will undoubtedly remain linked to the brand and competitors will continue to take advantage of this. To some degree, Parsons may have been overdue for a PR breakdown, because his company is known for a particular marketing campaign that is based on a certain amount of â€Å"sleaze†. Yet, for a company that once hoped to go public through an IPO, having the CEO of the company labeled this way in the mainstream press is very problematic. Consider that major media publications such as CNN, Salon, the New York Times, The Guardian, etc. all ran major articles on the story, and kept it active with update reports. In PR, the goal is for the problem to be out of the news cycle and out of discussion as soon as possible. When mainstream media repeat a story such as this over and over, it does continual damage to the brand and its credibility. For most people, the killing of an elephant is really a blatant act of stupidity, cruelty, and arrogance. That Bob Parsons defended his behavior immediately inflamed the situation. For example, instead of apologizing publicly, Parson conducted media interviews where he said: "These people have literally nothing and when an elephant is killed it's a big event for them, they are going to be able to eat some protein. This is no different than you or I eating beef. All these people that are complaining that this shouldn't happen, that these people who are starving to death otherwise shouldn't eat these elephants, you probably see them driving through at McDonald's or cutting a steak." (McCarthy, 2011) What Parsons did not critically understand is the fact that indeed millions of people do think and care deeply about issues such as environmental protection, endangered species, as well as the social justices issues related to hunger and global poverty. To compare eating an elephant to a problem for African starvation is simply a ridiculous justification. Salon critically notes that the original video Parsons posted included â€Å"captions to the nighttime scene that read ‘Bob Parsons fires first’ and ‘Bob Parsons fir

Biological Effects of Methamphetamines Essay Example for Free

Biological Effects of Methamphetamines Essay Methamphetamines affect the human body in a physical and neurological and psychological way. The use of meth can lead to devastating effects to the nervous system for example leaving the user with nervous ticks and body jerks similar to a person suffering from Parkinson’s disease. On a physical level, the user may show skin sores and tooth decay. Last but the not least, the user may develop psychosis including hallucinations and paranoia. Not limited to the self destruction a user will suffer, the family and/or loved ones will also suffer the effects of methamphetamines. Family will suffer, but mostly the children are the ones who will be left alone to deal with this drug that has swept the nation. I will talk about the devastating effects to the family. Methamphetamine is a stimulant drug that affects the abuser physically, psychologically, and neurologically. The history of methamphetamines dates back to 1887 when it was first developed by the Germans. The abuse of amphetamines can be logged back to when the Germans and Japanese would give their factory workers and their soldiers the drug to keep them alert during WWII. The method they used to produce the drug became known as the Nazi or Birth method†. (Meth Awareness and Prevention Project of South Dakota [MAPP-SD], 2000, para. 1) For many years, it was considered a drug in search of a disease because it was not developed for any one particular cure. It wasn’t until 1920 when it was being researched more seriously and then started being used as medication from antidepressants to anti-congestants. Later in the 1930’s it was being sold as Benzedrine, as a nasal spray for congestion. By 1937 amphetamine began to be sold as medication in a tablet form. It is believed that during the â€Å"Great Depression†, because of all the hardship people were going thru, and the availability and easily prescribed drug helped facilitate and/or encouraged the abuse of amphetamines. By 1919, Japan started producing methamphetamine which was cheaper and more potent than amphetamine. It was produced in a crystalline powder form and was able it to be dissolved in water, making it easier for it to be injected. This form of amphetamine is still legally produced in the US and is being sold under the name of Desoxyn. Montgomery County Sheriff’s Office, 2010, para. 1-3) The abuse of methamphetamines in the United States seems to have started during the â€Å"Great Depression† and increased during WWI, WWII, and Viet Nam. Many times, amphetamines were prescribed by the government and the military to keep fighting soldiers going. After returning from their tour of duty, many soldiers returned home addicted to the drug. Also during the 5 0’s and 60’s, amphetamines were being used as a weight loss medication. But eventually began to be abused by the users. Today, methamphetamines are abused throughout the US. It has spread like wildfire, starting on the West Coast. Today, meth does not discriminate and will affect every race, culture, age, and socio economic level. Meth users range from the most prestigious political figures, all star athletes, famous celebrities, re-known musicians, honest business men/women, respectable housewives/husbands, honor students, to your street drug dealers and junkies. Many truck drivers and bikers are notorious for abusing meth. They used an old slang term and called them co-pilots because it would keep them up on long road trips. Methamphetamine is taken by snorting it, ingesting it orally, smoking it, or injecting it intravenously. Meth is most commonly found in a crystal form. It’s most common street names are: crystal, speed, ice, and crank. Once taken, meth will give the user a rush or euphoria with the following symptoms; â€Å"†¦increased wakefulness, increased physical activity, decreased appetite, increased respiration, rapid heart rate, irregular heartbeat, increased blood pressure, and hyperthermia†. National Institute on Drug Abuse [NIDA], n. d. , para. 6). The effects of methamphetamine has on the central nervous system or CNS, will include irritability, insomnia, confusion, paranoia, and aggressiveness. Since it is known that it is difficult for nerve cells to be regenerated after having been damaged, it is a clear indication that use of this drug—in small or large qua ntities—cause irreversible damages in the CNS. In clinical researches, it is found that individuals who have a long history of methamphetamine abuse have reduced levels in dopamine transporters, which are associated with slowed motor skills and weakened memories in the individuals. Abusers who remained abstinent for at least nine months were found to have recovered from damage to their dopamine transporters, but their motor skills and memories were not found to have significantly recovered. Over time abusers of meth appear to cause reduced levels of dopamine, which can result in symptoms like those of Parkinsons disease. They will have uncontrollable jerking and twitching. Asides the harmful damage to the CNS and brain, the abuser may also develop psychotic-like behavior or also known as type-two schizophrenia, which include bizarre behavior and hallucinations, both audible and visual. Anxiety, emotional swings, and paranoia are the most common psychological effects due to chronic use of meth. Symptoms increase with long-term use, and can involve paranoid delusions and hallucinations. Violence and self-destructive behavior are common. Pellowski, 2000) One of the most striking effects of meth is the change in the physical appearance of meth users. The physical effects of meth include skin sores, tooth decay, aging of the skin, and lack of hygiene. Because the use of meth causes the blood vessels to constrict, it cuts off the steady flow of blood to all parts of the body. Heavy usage can weaken and destroy these vessels, causing tissues to become prone to damage and inhibiting the bodys ability to repa ir itself. Acne appears, sores take longer to heal, and the skin loses its luster and elasticity. Some users are covered in small sores, the result of obsessive skin-picking brought on by the hallucination of having bugs crawling beneath the skin, a disorder known as formication. These sores develop as the body is only able to dispose of 10% of the chemicals in meth. The rest of the chemicals are then forced out of your body by its natural defenses and is emitted through the skin. This chemicals form and leave behind small red bumps on the skin and the user will then start picking and scratching these bumps thinking they are small parasites under their skin. This picking will cause open sores, infections, and scarring of the skin. (Sheff, 2008) A common sign of meth abuse is extreme tooth decay, a condition that has become known as meth mouth. . Meth users with â€Å"meth mouth† have blackened, stained, or rotting teeth, which often cant be saved, even among young or short-term users. The exact causes of meth mouth are not fully understood, but it is believed that the chemicals used to produce meth may attribute to the tooth decay. Another possibility is the lack of hygiene. Many meth users will not worry about brushing their teeth or flossing when all their worries are on their next fix. In Arizona alone, meth is the second most abused drug of choice following alcohol. It is rapidly becoming the most devastating drug that is affecting everyone, not only the abusers. Family members suffer financially and emotionally as they see their loved ones being ravaged by the drug. They have to deal with the lies and deceit, and many times the abuse by the users. They are robbed of their securities and their possessions. Many children suffer neglect and abuse due to the parents using meth.

Iagos Character Exposed Through Language and Diction in Othello Essay

Iago's Character Exposed Through Language and Diction in Othello Everyone at some point in their lives attempts to convince someone to behave certain ways and to do specific things that ultimately will only benefit the person doing the convincing. Throughout the entire book, Othello, Iago attempts to convince numerous people in order to in the end only benefit and help himself. In this scene, Roderigo is explaining to Iago how he no longer wants to love because he is without Desdemona’s love. Iago then focuses on convincing Roderigo not only out of suicide, but also into getting Desdemona back. If Iago was unable to encourage Roderigo to go back after Desdemona, his plans would have been ruined. In lines 296-395, Iago uses many different uses of language in order to convince Roderigo to do what he wants him to do. One of the ways that Iago appeals to Roderigo through language is with the use of flattery. It is very apparent even from the beginning that Iago is trying to flatter Roderigo. A strong example of this flattery is seen in line 297, â€Å"What say’st thou, noble heart....

Debate 2nd Speaker LGBT

I’m the second speaker for the proposition team and our stand is transgender should be classified as the third gender. My first point is that transgender should be given a proper recognition in the society. Let’s be honest, there’s a good chance that you have not heard of Transgender Day of Remembrance. How often do we actually think about the â€Å"T† in LGBT? Over the years, there have been far too many cases of hate crimes that have been motivated by an individual’s sexual preference. Often, what prompt these crimes are motivations of fear and ignorance. Human sexuality is extremely complicated – how should one view the sexuality of a transgender person? If he or she are post-op, does that mean they’re still technically transgender? Well, one would have to say that all crimes committed against transgender men and women are motivated by homophobia (negative feelings/attitudes against LGBT). But is this necessarily the right view to view this subject? The Transgender Day of Remembrance started in the late 90s, and it is a day set aside to remember those members of the trans community who have been killed, murdered in the previous years for simply being trans or being perceived to be trans. One such case, being Rita Hester who was 34 years old when she was found dead in her apartment in 1998. This case was tragic for a number of reasons, not the least of which is the fact that it achieved less national attention than the murder of Matthew Shepard, which happened five weeks earlier (a white male). There are still many more questions that are unanswered, but what is certain is the effect these kinds of crimes have had on the LGBT community and what the lack of attention and action means. In conclusion, my team is clearly right in saying transgender should be classified as the third gender because they should be given a proper recognition in the society.

Training Report on Wholesale Banking Operation in Axis Bank.

REPORT ON SUMMER TRAINING OF Submitted to KCL-IMT (PTU) In partial fulfillment of the requirements for the award of degree of MASTER OF BUSINESS ADMINISTRATION Submitted by: Name of the student : KIRAN DOGRA Roll No: 1174251| Supervisor: Dr. SUKHMANI WARAICH Ass. prof. | DEPARTMENT OF MANAGEMENT KCL-IMT JALANDHAR BATCH-2011-2013 DECLARATIONI, â€Å"KIRAN DOGRA†, hereby declare that the work presented herein is genuine work done originally by me and has not been published or submitted elsewhere for the requirement of a MBA program me. Any literature, data or works done by others and cited within this research project has been given due acknowledgement and listed in the reference section. _______________________ (Student's name ; Signature) PREFACE Someone has rightly said that practical experience is for  better and closer to the real world then mere theoretical exposure. The practical experience helps the students view the real world closely, which in turn widely nfluences their  perceptions and argument their understanding of the real situation. Report work constitutes the backbone of any management education program me. A management student has to do report work quite frequently during his entire span. The report work entitle â€Å"WHOLESALE BANKING OPERATION OF AXIS BANK† aims to analyze various services and products provided by AXIS and for this purpose TANDA city have been chosen. CERTIFICATE This is to certify that the project work of Ms. KIRAN DOGRA on WHOLESALE BANKING OPERATION with AXIS BANK has been compiled under my supervision and guidance. _________________________ (Faculty Name ; Signature) ACKNOWLEDGEMENT I present this project report on â€Å"whole banking operations† IN AXISBANK LTD. , WARDHA with a sense of great pleasure and satisfaction. I undersign with pleasure take this opportunity to thank all those related directly or indirectly in preparation of this project report. I started working on this project under the invaluable guidance of Honorable Miss. Riddhi Deshpande mam for which I am very much thankful for her valued time given for the purpose. Without her co-operation our project work would have been difficult to complete.I express our sincere thanks to Mr. HITESH RAWAL, (Branch Manager) in Axis Bank Ltd. ,TANDA and staff in that organization. I am also thankful to Dr. INDERPREET SINGH sir [Director of our college] and Miss. sukhmani waraich [Project In charge] to allow us to carry out this project. I also thank all my friends who have more or less contributed to the preparation of this project report. I will be always indebted to them. INDEX S. No. | CHAPTERS| PAGE No. | 1. | CHAPTER – 1 (COMPANY PROFILE)| 8-22| 1. 1 | Introduction of axis bank| 8| 1. 2| History of axis bank| 9-13| 1. 3| Management of axis bank| 14-15| 1. | Definition of banking| 15| 1. 5| Meaning of banking| 15| 1. 6| Product of axis bank| 15-16| 1. 7| Customer services on banking operation| 16-17| 1. 8| Tradit ional banking activity | 17| 1. 9 | Accounting for bank account| 17-18| 1. 10| Economic function| 18-20| 1. 11| Types of investment ban| 20| 1. 12| Mortgage banking| 20-22| 1. 13| KYC (know your customer)| 22| 1. 14| Competitors | 22| | | | 2. | CHAPTER – 2| 23-26| | Need, Scope, Objectives, methodology and limitation of the study. | 23-26| | | | | | | 3. | Chapter – 3| 27-38| 3. 1| Project introduction| 27| 3. 2| Meaning of wholesale banking operation| 27-28| . 3| Concept | 28-34| 3. 4| Current account information| 34-35| 3. 4. 1| Channel one:(for successful business)| 34| 3. 4. 2| Builders and real estate| 35| 3. 5| Training in wholesale banking operation| 35-38| 3. 5. 1| Corporate| 35-36| 3. 5. 2| Small and medium enterprises| 36-37| 3. 5. 3| Government | 37-38| | | | 4. | Chapter – 4| 39-51| 4. 1| Data analysis| 39-51| | | | 5. | Chapter – 5| 52| 5. 1| Finding and suggestion| 52| 5. 2| Conclusion and recommendation| 52| | | | 6. | Chapter – 6| 53| | Bibliography| 54| | Appendices-Customer Feedback Form| 55-57| CHAPTER 1 1. COMPANY PROFILE 1. INTRODUCTION OF AXIS BANK Commercial banking services which includes merchant banking, direct finance infrastructure finance, venture capital fund, advisory, trusteeship, forex, treasury and other related financial services. Axis Bank Limited  is an Indian  financial services  firm that had begun operations in 1994, after the  Government of India  allowed new private banks to be established. The Bank was promoted jointly by the Administrator of the Specified Undertaking of the Unit Trust of India  (UTI),  Life Insurance Corporation of India  (LIC), General Insurance Corporation Ltd. , National Insurance Company Ltd.The New India Assurance Company,  The Oriental Insurance corporation  and  United India Insurance Company  UTI holds a special position in the Indian capital markets and has promoted many leading financial institutions in the country. As on the year ended 31 March, 2012, Axis Bank had an operating revenue of 13,437 crores and a net profit of 4242 crores. Axis Bank opened its registered office in Ahmedabad and corporate office in Mumbai in December 1993. The first branch was inaugurated in April 1994 in Ahmedabad by Dr. Manmohan Singh , then the honorable Finance Minister . 1. 2 HISTORY OF AXIS BANK 1993:The Bank was incorporated on 3rd December and Certificate of business on 14th December. The Bank transacts banking business of all description. UTI Bank Ltd. was promoted by Unit Trust of India, Life Insurance Corporation of India, General Insurance Corporation of India and its four subsidiaries. The bank was the first private sector bank to get a license under the new guidelines issued by the RBI. 1997: The Bank obtained license to act as Depository Participant with NSDL and applied for registration with SEBI to act as `Trustee to Debenture Holders'. Rupees 100 crores was contributed by UTI, the rest from LIC Rs 7. crores, GIC and its four subsidiaries Rs 1. 5 crores each. 1998: The Bank has 28 branches in urban and semi urban areas as on31st July. All the branches are fully computerized and networked through VSAT. ATM services are available in 27 branches. The Bank came out with a public issue of 1,50,00,000 No. of equity shares of Rs10 each at a premium of Rs 11 per share aggregating to Rs 31. 50crores and Offer for sale of 2,00,00,000 No. of equity shares for cash at a price of Rs 21 per share. Out of the public issue 2, 20,000 shares were reserved for allotment on preferential basis to employees of UTI Bank.Balance of 3, 47, 80,000 shares were offered to the public. The company offers ATM cards, using which account-holders can with draw money from any of the bank's ATMs across the country which is inter-connected by VSAT. UTI Bank has launched a new retail product with operational flexibility for its customers. UTI Bank will sign a co-brand agreement with the market, leader, Citibank NA for entering i nto the highly promising credit card business. UTI Bank promoted by India's pioneer mutual fund Unit Trust of India along with LIC, GIC and its four subsidiaries. 1999: UTI Bank and Citibank have launched an international co-branded Credit card.UTI Bank and Citibank have come together to launch an international co-branded credit card under the Master Card umbrella. UTI Bank Ltd has inaugurated an offsite ATM at Ashok Nagar here, taking the total number of its offsite ATMs. 2000: The Bank has announced the launch of Tele-Depository Services for Its depository clients. UTI Bank has launch of `I Connect', its Internet banking Product. UTI Bank has signed a memorandum of understanding with equitymaster. com for e-broking activities of the site. Infinity. com financial Securities Ltd. , an e-broking outfit is Typing up with UTI Bank for a banking interface.Geojit Securities Ltd, the first company to start online trading services, has signed a MoU with UTI Bank to enable investors to buys ell demat stocks through the company's website. India bulls have signed a memorandum of understanding with UTI Bank. UTI Bank has entered into an agreement with Stock Holding Corporation of India for providing loans against hares to SCHCIL's customers and funding investors in public and rights issues. ICRA has upgraded the rating UTI Bank's Rs 500 crores certificate of deposit programmed to A1+. UTI Bank has tied up with L&T Trade. com for providing customized online trading solution for brokers. 001: UTI Bank launched a private placement of non-convertible debentures to rise up to Rs 75 crores. UTI Bank has opened two offsite ATMs and one extension counter with an ATM in Mangalore, taking its total number of ATMs across the country to 355. UTI Bank has recorded 62 per cent rise in net profit for the quarter ended September 30, 2001, at Rs 30. 95 crores. For the second quarter ended September 30, 2000, the net profit was Rs 19. 08 crores. The total income of the bank during the quar ter was up 53 per cent at Rs 366. 25 crores. 2002: UTI Bank Ltd has informed BSE that Shri B R Barwale has resigned as a Director of the Bank w. . f. January 02, 2002. A C Shah, former chairman of Bank of Baroda, also retired from the bank’s board in the third quarter of last year. His place continues to be vacant. MD a modern took over as the director of the board after taking in there INS of UTI. B S Pandit has also joined the bank’s board subsequent to the retirement of K G Vassal. UTI Bank Ltd has informed that Shri Paul Fletcher has been appointed as an Additional Director Nominee of CDC Financial Service (Mauritius) Ltd of the Bank . And Shri Donald Peck has been appointed as an Additional Director (nominee of South Asia Regional Fund) of the Bank.UTI Bank Ltd has informed that on laying down the office of Chairman of LIC on being appointed as Chairman of SEBI, Shri G N Bajpai, Nominee Director of LIC has resigned as a Director of the Bank. 2003: UTI Bank Ltd has informed BSE that at the meeting of the Board of Directors of the company held on January 16, 2003, Shri R N Bharadwaj, Managing Director of LIC has been appointed as an Additional Director of the Bank with immediate effect. – UTI Bank, the private sector bank has opened a branch at Nellore. The bank’s Chairman and Managing Director, Dr P. J. Nayak, inaugurating the bank branch at GT Road on May 26.Speaking on the occasion, Dr Nayak said. This marks another step towards the extensive customer banking focus that we are providing across the country and reinforces our commitment to bring superior banking services, marked by convenience and closeness to customers. -UTI Bank Ltd. has informed the Exchange that at its meeting held on June 25, 2003 the BOD have decided the following: 1) To appoint Mr. A T Pannir Selvam, former CMD of Union Bank of India and Prof. Jayanth Varma of the Indian Institute of Management, Ahmadabad as additional directors of the Bank with immediate effect.Further, Mr. Pannir Selvam will be the nominee director of the Administrator of the specified undertaking of the Unit Trust of India (UTI-I) and Mr. Jayanth Varma will be an Independent Director. 2) To issue Non-Convertible Unsecured Redeemable Debentures up to Rs. 100 crores, in one or more tranches as the Bank's Tier – II capital. -UTI has been authorized to launch 16 ATM son the Western Railway Stations of Mumbai Division. -UTI filed suit against financial institutions IFCI Ltd in the debt recovery tribunal at Mumbai to recover Rs. 5cr in dues. -UTI bank made an entry to the Food Credit Programme; it has made an entry into the 59 cluster which includes private sector, public sector, old private sector and co-operative banks. -Shri Ajeet Prasad, Nominee of UTI has resigned as the director of the bank. -Banks Chairman and MD Dr. P. J. Nayak inaugurated a new branch at Nellore. -UTI bank allots shares under Employee Stock Option Scheme to its employees. -Unveils pre-p aid travel card ‘Visa Electron Travel Currency Card' -Allotment of 58923equity shares of Rs 10 each under ESOP. UTI Bank ties up with UK govt fund for contract farm in -Shri B S Pandit, nominee of the Administrator of the Specified Undertaking of the Unit Trust of India(UTI-I) has resigned as a director from the Bank w e f November 12,2003. -UTI Bank unveils new ATM in Sikkim. 2004: Comes out with Rs. 500 Unsecured Redeemable Non-Convertible Debenture Issue, issue fully subscribed -UTI Bank Ltd has informed that Shri Ajeet Prasad, Nominee of the Administrator of the Specified Undertaking of the Unit Trust of India (UTI – I) has been appointed as an Additional Director of the Bank w. e. f. January 20,2004. UTI Bank opens new branch in Udupi-UTI Bank, Geojit in pact for trading platform in Qatar -UTI Bank ties up with Shri ram Group Cos-Unveils premium payment facility through ATMs applicable to LIC UTI Bank customers –Metal junction (MJ)- the online trading and pr ocurement joint venture of Tata Steel and Steel Authority of India(SAIL)- has roped in UTI Bank to start off own equipment for Tata Steel. -DIEBOLD Systems Private Ltd, a wholly owned subsidiary of Diebold Incorporated, has secured a major contract for the supply of ATMs an services to UTI Bank -HSBC completes acquisition of 14. % stake in UTI Bank for . 6 m -UTI Bank installs ATM in Thiruvananthapuram –Launches Remittance Card' in association with Remit2India, a Web site offering money transfer services. 2005: * UTI Bank enters into a banc assurance partnership with Bajaj Allianz General for selling general insurance products through its branch network. * UTI Bank launches its first Satellite Retail Assets Centre (SRAC) in Karnataka at Mangalore. 2006: * UBL sets up branch in Jaipur. UTI Bank unveils priority banking lounge. * UTI Bank launches operations of UBL Sales, its Sales Subsidiary -Inaugurates its first office in Bangalore. * UTI Bank announces the launch of its Cre dit Card Business. * UTI Bank becomes the first Indian Bank to successfully issue Foreign Currency Hybrid Capital in the International Market. * UTI Bank Business Gold Debit Card MasterCard Launched – Designed for business related spending by SMEs and self employed professionals. 2007:AXIS Bank Ltd has informed that consequent upon handing over charge as Administrator of the Specified Undertaking of the Unit Trust of India (SUUTI), Shri. S B Mathur, the Nominee Director of SUUTI has resigned as a Director of the Bank December 06, 2007. * AXIS Bank Ltd has informed that Fitch Ratings on December 14, 2007, has upgraded the Bank's National Long-term rating to ‘AAA(ind)' from ‘AA+(ind)'. * AXIS Bank Ltd has appointed Shri K N Prithvi raj as an Additional Director on the Board at Directors of the Bank. * Company name has been changed from UTI Bank Ltd to Axis Bank Ltd. 008: * Axis Bank launches Platinum Credit Card, India's first EMV chip based card. * Axis Bank set up its branch at Ilanji at Meenakshi Nagar on the Coutralam-Madurai road on April 16. 2009: * Axis Bank today said its board has recommended the appointment of Shikha Sharma, currently chief of ICICI group's life insurance business, as its next managing director and CEO. * Axis Bank has set up a new branch at Perumbavoor. The bank has a network of 832 branches along with 8 extension counters and 3622 ATMs across the country. Axis Bank, on Wednesday entered into a strategic alliance with Motilal Oswal, the financial services firm, in order to facilitate the online trading for the bank's customers. * AXIS Bank Ltd has informed that the Board of Directors of the Bank at its meeting held on June 01, 2009, inducted Smt. Shikha Sharma as an Additional Director of the Bank. * Axis bank has received final clearance from the Securities and Exchange Board of India (SEBI) to begin its mutual fund operations and will launch debt and equity schemes soon whereas IDBI Bank is awaiting the regulator' s permit for an entry. Axis Bank opened the new branch at Irinjalakuda while it has a network of 892 branches, 8 extension counters and 3,806 ATMs across the country. 2010: Axis Bank Limited has informed that at the meeting of the Board of Directors held on January 15, 2010, the following decisions were taken: * To appoint Dr. Adarsh Kishore, former Finance Secretary, Government of India and former Executive Director, International Monetary Fund representing Bangladesh, Bhutan, India and Sri Lanka as the Non-Executive Chairman of the Bank, subject to RBI approval; * To appoint Shri S.B. Mathur, former Chairman, LIC and the National Stock Exchange of India, as an Additional Independent Director, with immediate effect. 1. 3 MANAGEMENT OF AXIS BANK ORGANIZATION STRUCTURE OF AXIS BANK PROMOTERS: Axis Bank Ltd. has been promoted by the largest and the best Financial Institution of the country, UTI. The Bank was set up with a capital of Rs. 115 crores, with UTI contributing Rs. 100 Crores , LIC – Rs. 7. 5 Crores and GIC and its four subsidiaries contributing Rs. . 5 Crores each SUUTI – Shareholding 27. 02%Erstwhile Unit Trust of India was setup as a body corporate under the UTI Act, 1963, with a view to encourage savings and investment. In December 2002, the UTI Act, 1963 was repealed with the passage of Unit Trust of India (Transfer of Undertaking and Repeal) Act, 2002 by the Parliament, paving the way for the bifurcation of UTI into 2 entities, UTI-I and UTI-II with effect from1st February 2003. In accordance with the Act, the Undertaking specified as UTI I has been transferred and ested in the Administrator of the Specified Undertaking of the Unit Trust of India (SUUTI), who manages assured return schemes along with 6. 75% US-64 Bonds,6. 60% ARS Bonds with a Unit Capital of over Rs. 14167. 59 crores. The Government of India has currently appointed Shri K. N. Prithviraj as the Administrator of the Specified undertaking of UTI, to look after and admini ster the schemes under UTI where Government has continuing obligations and commitments to the investors, which it will uphold. 1. 4 DEFINITIONS OF BANKINGA bank is a financial institution licensed by a government. Its primary activity is to lend money. Many other financial activities were allowed over time. For example banks are important players in financial markets and offer financial services such as investment funds. Banking can also be defined as engaging in the business of keeping money for savings and checking accounts or for exchange or for issuing loans and credit. Transacting business with a bank: Depositing or withdrawing funds or requesting a loan.Bank – a supply or stock held in reserve for future use (especially in emergencies) 1. 5 MEANING OF BANKING An organization, usually a corporation, chartered by a state or federal government, which does most or all of the following: receives demand deposits and time deposits, honors instruments drawn on them, and pays in terest on them; discounts notes, makes loans, and invests in securities; collects checks, drafts, and notes; certifies depositor's checks; and issues drafts and cashier's checks. 1. 6 PRODUCT OF AXIS BANK * Product of axis bank * Easy Access Saving Account Saving Account for Women * Prime Saving Account * Senior Citizens Saving Account * Priority Banking * Corporate Salary Account * Trust /NGOs Saving Account * Resident Foreign Currency Account * Online Trading Account * Current Account * Term Deposits * Locker Facilities * NRI Services * Depository Services * Financial Advisory Services * Wealth Management Services * Insurance Solutions – Life and General * Retail Loans * Credit Loans * Travel Currency Cards * Remittance Cards * Gift Cards 1. 7 CUSTOMER SERVICE IN BANKING OPERATION * Cheque Drop Box FacilityRBI's Committee on Procedures and Performance Audit on Public Services has recommended that both the drop box facility and the facility for acknowledgement of the cheques at the regular collection counters should be available to customers and no branch should refuse to give an acknowledgement if the customer tenders the cheques at the counters. * Issue of Cheque Books: The Committee has observed that some banks do not allow depositors to collect their cheque book at the branch but insist on dispatching the cheque book by courier to the depositor.Further, it is stated by the Committee that the deposit or is forced to sign a declaration that a dispatch by the courier is at the depositor's risk and consequence and that the depositor shall not hold the bank liable in any manner whatsoever in respect of such dispatch of cheque book. Committee has observed this as an unfair practice and advised banks to refrain from obtaining such undertakings from depositors. Banks should also ensure that cheque books are delivered over the counters on request to the depositors or his authorized representative. Statement of Accounts / Pass Books: The Committee has noted that banks invariably show the entries in depositor’s passbooks /statement of accounts as â€Å"By Clearing† or â€Å"By Cheque†. Further, in the case of Electronic Clearing System (ECS) and RBI Electronic Funds Transfer (RBIEFTR) banks invariably do not provide any details even though brief particulars of the remittance are provided to the receiving bank. In some cases computerized entries use sophisticated codes which just cannot be deciphered.With a view to avoiding inconvenience to depositors, banks are advised to avoid such inscrutable entries in passbooks statements of account and ensure that brief, intelligible particulars are invariably entered in passbooks / statements of account. Banks may also ensure that they adhere to the monthly periodicity prescribed by us while sending statement of accounts. 1. 8 TRADITIONAL BANKING ACTIVITIES Banks act as payment agents by conducting checking or current accounts for customers, paying cheques drawn by customers o n the bank, and collecting cheques deposited to customers' current accounts.Banks also enable customer payments via other payment methods such as telegraphic transfer, EFTPOS, and ATM. Banks borrow money by accepting funds deposited on current accounts, by accepting term deposits, and by issuing debt securities such as bank notes and bonds. Banks lend money by making advances to customers on current accounts, by making installment loans, and by investing in marketable debt securities and other forms of money lending. Banks provide almost all payment services, and a bank account is considered indispensable by most businesses, individuals and governments.Non-banks that provide payment services such as remittance companies are not normally considered an adequate substitute for having a bank account. Banks borrow most funds from households and non-financial businesses, and lend most funds to households and non-financial businesses, but non-bank lenders provide a significant and in many cases adequate substitute for bank loans, and money market funds, cash management trusts and other non-bank financial institutions in many cases provide an adequate substitute to banks. 1. 9 ACCOUNTING FOR BANK ACCOUNTBank statements are accounting records produced by banks under the various accounting standards of the world. Under GAAP and IFRS there are two kinds of accounts: debit and credit. Credit accounts are Revenue, Equity and Liabilities. Debit Accounts are Assets and Expenses. This means you credit a credit account to increase its balance, and you debit a debit account to increase its balance. This also means you debit your savings account every time you deposit money into it (and the account is normally in deficit), while you credit your credit card account every time you spend money from it (and the account is normally in credit).However, if you read your bank statement, it will say the opposite—that you credit your account when you deposit money, and you debit it when you withdraw funds. If you have cash in your account, you have a positive (or credit) balance; if you are overdrawn, you have a negative (or deficit) balance. There a son for this is that the bank, and not you, has produced the bank statement. Your savings might be your assets, but the bank's liability, so they are credit accounts (which should have a positive balance).Conversely, your loans are your liabilities but the bank's assets, so they are debit accounts (which should have a also have a positive balance). Where bank transactions, balances, credits and debits are discussed below, they are done so from the viewpoint of the accountholder—which is traditionally what most people are used to seeing. 1. 10 ECONIMIC FUNCTION * Issue of money: In the form of bank note sand current accounts subject to cheque or payment at the customer's order. These claim son banks can act as money because they are negotiable and/or repayable on demand, and hence valued at par.They are eff ectively transferable by mere delivery, in the case of banknotes, or by drawing a cheque that the payee may bank or cash. * Netting and settlement of payments: Banks act as both collection and paying agents for customers, participating in interbank clearing and settlement systems to collect, present, be presented with, and pay payment instruments. This enables banks to economies on reserves held for settlement of payments, since inward and outward payments offset each other. It also enables the offsetting of payment flows between geographical areas, reducing the cost of settlement between them. * Credit intermediation:Banks borrow and lend back-to-back on their own account as middle men. * Credit quality improvement: Banks lend money to ordinary commercial and personal borrowers (ordinary credit quality), but are high quality borrowers. The improvement comes from diversification of the bank's assets and capital which provides a buffer to absorb losses without defaulting on its oblig ations. However, banknotes and deposits are generally unsecured; if the bank gets into difficulty and pledges assets as security, to raise the funding it needs to continue to operate, this puts the note holders and depositors in an economically subordinated position. Maturity Transformation: Banks borrow more on demand debt and short term debt, but provide more long term loans. In other words, they borrow short and lend long. With a stronger credit quality than most other borrowers, banks can do this by aggregating issues (e. g. accepting deposits and issuing banknotes) and redemptions (e. g. withdrawals and redemptions of banknotes), maintaining reserves of cash, investing in marketable securities that can be readily converted to cash if needed, and raising replacement funding as needed from various sources (e. g. wholesale cash markets and securities markets). Banking channels: Banks offer many different channels to access their banking and other services: * A branch, banking cent re or financial centre is a retail location where a bank or financial institution offers a wide array of face-to-face service to its customers. * ATM is a computerized telecommunications device that provides a financial institution's customers a method of financial transactions in a public space without the need for a human clerk or bank teller. Most banks now have more ATMs than branches, and ATMs are providing a wider range of services to a wider range of users.For example in Hong Kong, most ATMs enable anyone to deposit cash to any customer of the bank's account by feeding in the notes and entering the account number to be credited. Also, most ATMs enable card holders from other banks to get their account balance and withdraw cash, even if the card is issued by a foreign bank. * Mail is part of the postal system which itself is a system where in written documents typically enclosed in envelopes, and also small packages containing other matter, are delivered to destinations around the world. This can be used to deposit cheques and to send orders to the bank to pay money to third parties.Banks also normally use mail to deliver periodic account statements to customers. * Telephone banking is a service provided by a financial institution which allows its customers to perform transactions over the telephone. This normally includes bill payments for bills from major billers (e. g. for electricity). * Online banking is a term used for performing transactions, payments etc. over the Internet through a bank, credit union or building society's secure website. * Mobile banking is a method of using one's mobile phone to conduct simple banking transactions by remotely linking into a banking network. Video banking is a term used for performing banking transactions or professional banking consultations via a remote video and audio connection. Video banking can be performed via purpose built banking transaction machines (similar to an Automated teller machine), or via a vi deoconference enabled bank branch. 1. 11 TYPES OF INVESTMENT BANKS * Investment banks â€Å"underwrite† (guarantee the sale of) stock and bond issues, trade for their own accounts, make markets, and advise corporations on capital market activities such as mergers and acquisitions. * Merchant banks were traditionally banks which engaged in trade finance.The modern definition, however, refers to banks which provide capital to firms in the form of shares rather than loans. Unlike venture capital firms, they tend not to invest in new companies. 1. 12 MORTGAGE BANKING Mortgage banking deals primarily with originating mortgage loans and servicing them. Read more about it here as well as about what a career in mortgage banking involves. Mortgage banking is meant for a single purpose, to service the real estate finance industry. Mortgage banking deals specifically with originating mortgage loans as well as servicing them.Mortgage banks are state-licensed entities from which consumers can get mortgage loans directly. Usually, mortgage banks avail funds from the Federal National Mortgage Association, or FNMA, also known as Fannie Mae, the Federal Home Loan Mortgage Corporation, or FHLMC, also known as Freddie Mac, or any other large companies that service mortgages, which are related to the secondary mortgage market. Here are a few pointers about the nitty-gritty of mortgage banking. * Mortgage Banks Specialize in Mortgage Loans: Unlike a savings bank that is federally chartered, in general mortgage banks specialize in only providing mortgage loans.Hence, customers do not deposit their money in these banks. As has been mentioned above, the secondary wholesale market is their primary source of funds. Freddie Mac and Fannie Mae are examples of the lenders in the secondary market. * Mortgage Banks Differ in Size: While some mortgage banks can be nationwide, others can originate a volume of loan that can exceed that of a commercial bank that is nationwide. Many of th ese mortgage banks utilize specialty servicers like Real Time Resolutions to carry out tasks like fraud detection work and repurchase. Mortgage Banks have Two Sources of Revenue: The two main sources of income are from loan servicing fees (if they are into loansevicing0, and fees from loan origination. Mortgage bankers, by and large, are choosing not to service the loans they have originated. That is because they are entitled to earn a service-released premium by selling them soon after the mortgage loans are closed and funded. The investor in the secondary market that purchases the loan has the ability of earning revenue for providing servicing of the loan every month the borrower keeps the loan. Different Banking Laws Apply to Mortgage Banks: Mortgage banks usually operate under banking laws that are quite different, according to the state they operate in. You will need to check each individual state’s financial department or state banking in order to get list of mortgage b ankers in each state. While federal laws apply to the operation of a federal bank, in terms of consumer protection, usually consumers have additional rights, which are applicable according to each state. * Mortgage Bankers can be More Competitive:Since they only specialize in lending and do not have to subsidize any of the losses that other departments may have incurred, as in regular banking, mortgage bankers have the ability of being really competitive when lending for mortgage. However, they usually do not have the advantage of accessing adjustable rate mortgages that are low cost, which federal banks are typically associated with, and federal money access. * A Career in Mortgage Banking: Professionals in mortgage banking in the job market today need to have a college degree in business or finance, or some specific experience or training related to the field.Skills in good customer service, an inherent ability with numbers, and computer skills are also essential requirements for mortgage banking jobs. A mortgage banking professional’s job involves reviewing credit scores, determining the kind of loan that is most beneficial for the customer and guiding them through the process of application as well as closing. The loan officer has to be very organized and detail oriented, and need to be able to handle the large amounts of paperwork and reporting that are required for getting loans approved, up to the closing.A mortgage banking professional also has to have thorough know-how about the regulations associated with federal mortgage as well as the various types. 1. 13 KYC (KNOW YOUR CUSTOMER) As per KYC guideline the RBI has advised banks to follow KYC guidelines of RBI mandates banks to collect three proofs from their customers they are1 Photograph2 Proof of Identity3 Proof of address Accordingly, Axis bank has framed its KYC procedure according to which, a photograph and documentary proof of personal identification and address proof are required t be p rovided.The account Opening form provides the nature of documents required / procedure to be followed for opening a new account. You may also log in to our websitewww. axisbank. com for such information which is displayed product-wise. 1. 14 COMPETITORS 1. ICICI Bank Ltd. 2. HDFC Bank Ltd. 3. State Bank of India 4. HSBC Bank 5. RBS (Royal Bank of Scotland) 6. Maharashtra Bank of India 7. Canara Bank 8. Andhra Bank 9. IDBI bank 10. Bank of India 11. Punjab National Bank 12. Central Bank 13. Allahabad Bank 14.ING Vysya 15. Centurion Bank CHAPTER 2 2. NEED, SCOPE, OBJECTIVE, METHODOLOGY AND LIMITATIONS OF THE STUDY 2. 1 NEED OF RESEARCH The research is significant for me and the bank thus significant as follow to the trainee as follow: – * To the trainee †¢The research has provided the trainee practical knowledge regarding the organization working, survey and other aspect of marketing. †¢This research is also essential for me in fulfillment of MBA curriculum. * To the bank Research would help the bank to get the lead of potential customer and current satisfaction level among existing relationship companies †¢To study the opportunity of cross sailing of other product and services †¢The suggestion provide the researcher will be helpful to improvement of class and quality of service to new and current customers and also help to enhance the activities * To the customer †¢The research will become a medium to convey the dissatisfaction factor to the appropriate person in the management 2. 2 SCOPE OF RESEARCHThe research was conducted for AXIS bank limited in Hoshiarpur City. The research was conducted in operational and marketing aspect of the bank products and survey. The research collected to detail information by personal interview and data collection sheet. 2. 3 OBJECTIVES OF THE STUDY This study has been conducted with a variety of important objectives in mind. The following provides us with the  objectives that have tried to achi eve through the study. The extent to which these objectives have been met could judge from the conclusions and suggestions, which appear in the later of this study. The main objective of the study is to know about the potential of the market regarding people’s dealing in financial services. †¢ To know the role of all financial services. †¢ To know where people have already opened their Account and on what basis. 2. 4 RESEARCH METHODOLOGY Research is an art of scientific investigation. In other word research is a scientific and systematic search for pertinent information on specific topic. The logic behind taking research methodology into consideration is that one can have knowledge about the method and procedure adopted for achievement of objectives of the project.With the adoption of  this others can evaluate the results also. Its main aim is to keep the researchers on the right track. The methodology adopted for studying the objectives was surveying the saving a ccount holders of District HOSHIARPUR. So keeping in view the nature of requirements of the study to collect all the relevant information regarding the comparison of saving account of Centurion Bank of Punjab with other  banks direct personal interview method with structured questionnaire was adopted for the collection of primary data. Secondary data has been collected through the various magazines and newspaper a nd by surfing on internet.And the guide in the organization was consulted at many times. 2. 5 SELECTION OF THE SAMPLE It becomes impossible to contact each and every individual of the population due to limitations of essential resources like time and money. Therefore, the study is preferably allowed down to a representation sample to make the study more manageable. Keeping in view the objectives and resource limitation of the study, 100 respondents were considered. Respondents – 100 The selected sample is representative of the population and is accurate and practi cable. 2. 6 SAMPLING TECHNIQUETo study the Project, a Simple Random Sampling technique is used. 2. 7 SAMPLING PLAN The following factors will be taken into consideration within scope of sampling plan. 1 Sampling unit: It defines the target population that will be sampled i. e. it answers who is to be surveyed. In this study, the sampling unit is customers using internet banking. 1 Sampling size: It indicates the numbers of people to be surveyed. Though large samples give more reliable results than small sample but due to constraints of time and money, the sample size was restricted to 50 respondents. 2. 8 COLLECTION OF DATAAfter the research problem has been defined and the research design has been chalked out, the task of data collection begins. The data can be collected mainly through primary sources, but it was supplement with secondary data. * Primary data collection: Primary data is the data which is collected through observation or direct communication with the respondents in one form or another. These are several methods for primary data collection like Observation Method, Interview Method, through schedules, through questionnaires and so on. * Secondary data collection methods: Secondary data is collected through Internet. Internet We also take into consideration the internet facility with which we  collect lot  of  latest information. * Journal and publications of different banks We also take into consideration the journals and publications issued by the bank  at different times. We  comes to know about the Branches, ATM, locations and other useful information. 2. 9 LIMITATION OF RESEARCH Every research has its own constraints which keep limitation to work similarly this research has also limitation due to which the researcher could not get detailed information regarding project. These are: – Though full efforts have been made but due to the lack of past experience in the marketing field I failed some areas have been left from includi ng in the study †¢ Due to the limitation of time I was unable to cover more sample (data collection sheet) and to fridge the lead granted. CHAPTER 3 PROJECT INTRODUCTION 3. 1 PROJECT INTRODUCTION As a part of curriculum the students of MBA have to undergo Summer Internship Program (SIP). Wherein a student gets the knowledge about practical life, how the work is done in companies, how to get acquainted with working conditions and other many such things, etc. he main aim behind this program is that students get some experience with which he could get assistance while searching the job. This program is generally provided by a company and it lasts for at least two months. Students as per their specializations could apply for SIP and get the opportunity to work in a company, which the college suggests. As a management student I also have to undergo SIP. I got the opportunity to complete this program in AXIS BANK LTD. , for two months. Axis bank is one of the leading BANKS in banking sector in India. First of the two months was devoted to training.Our training started with the session of information about bank product and sale sand – what is the meaning of the concepts, importance of sales and marketing was taught. The second part was about open an account-why we open an account in bank, about the banking sector- as avenue for investment, how banking sector is Better Avenue for investment. The next session was about detailed knowledge about banking sector-how to sell these products in market. The last session was about the practical knowledge about how to get appointment of customers and how to convince them to take the product.In the second month we have sell the products directly in the market, procedure of selling the products etc. 3. 2 MEANING OF WHOLESALE BANKING OPERATIONS The Wholesale Banking contains products sold to large and middle market commercial companies, as well as to consumers on a whole sale basis. This includes lending, treasury manag ement, mutual funds, asset-based lending, commercial real estate, corporate and institutional trust services, and investment banking through Wells Fargo Securities. The company also owns Baring ton Associates, a middle market investment bank.Wells Fargo historically has avoided large corporate loans as stand-alone products, instead requiring that borrowers purchase other products along with loans which the bank sees as a loss leader. One area that is very profitable to Wells, however, is asset-based lending: lending to large companies using assets as collateral that are not normally used in other loans. This can be compared to subprime lending, but on a corporate level. The main brand name for this activity is â€Å"Wells Fargo Foothill,† and is regularly marketed into mb stone ads in the Wall Street Journal.Wells Fargo also owns East dil Secured, which is described as a â€Å"real estate investment bank† but is essentially one of the largest commercial real estate bro kers for very large transactions (such as the purchase and sale of large Class-A office buildings in central business districts throughout the United States). The wholesale banking operations consist of the following transactions: 1. Opening of Account 2. Issue of Check book 3. International Debit / Credit Card 4. Issue of Demand Draft (DD) 5. Net banking 6. E-mail statement 7. Phone banking 8. Insta Query 9. Insta Alert 10. Bill pay 11. Passbook 12.Quarterly Account Statement 13. Loan Facility. 3. 3 CONCEPT 3. 3. 1 SAVING ACCOUNT INFORMATION Definition: A deposit account at a bank or savings and loan which pays interest, but cannot be withdrawn by check writing. Types of Saving Account In Axis Banking 1. Zero Balance Savings Account At Axis Bank it has been constant endeavor to create products specifically catering to your needs. The account while offering a whole range of services also addresses your latent need of having an account without the hassle of maintaining an average qua rterly balance. Features: – 1. No Average Quarterly Balance requirement 2.Free International Debit Card with an Accidental Insurance cover up to Rs 2 lakhs* (charges for the primary holder are waived). 3. Free mobile banking facility 4. Access through more than 825 branches and more than 3595 ATMs 5. At-Par cheque facility with the clearing limit of Rs 50,000 6. 24Ãâ€"7 Tele banking & Internet banking. 7. Free quarterly statements8. Free monthly e-statement Conditions Apply:- 1. Initial funding of Rs. 5,500. 2. Account maintenance fee of Rs. 500 per annum 2. Krishi Savings Account (Kheti Ho Khushahali ki) Axis Bank offers a unique savings account which is easy to operate and allows you to transact immediately.This product has been specially designed keeping in mind the unique requirements of a farmer and true to its nature has been called the Krishi Savings Account. Some of the features of our new product are: Average Balance Requirement : This account is offered with the re quirement of maintaining the half-yearly average balance of Rs 1000only. International Master Debit Card: The Krishi Savings Account entitles you to an International Master Debit Card with which you can access your account anytime through the Axis Bank ATM network free of cost. This card comes with a cash withdrawal limit of Rs 25,000 per day.Free Accident Insurance cover of Rs 2 lacks. Anywhere Banking: Being a Krishi account holder, you are entitled to access our wide network of more than 825 branches and 3595 ATMs across 440 cities. You can now easily carry out your transactions through any of the branches or ATMs. At Par Cheque Book: Your Krishi Savings Account comes with the At-Par Cheque facility. This facility enables you to en cash the cheques as local instruments at any of the 440 centers where the Bank has its presence, at no extra cost. Moreover, you can also issue cheques at other centers upto the limit of Rs 50,000. Easy Access Savings Account (Banking made easy) * A â €“ Accessibility * C – Convenience * C – Comfort * E – Earnings * S – Speed * S – Service Want a savings account that transcends geographical boundaries? Presenting, Axis Bank's Easy Access Savings Account. The account is an endeavor by the Bank to understand the consumers' needs and redefine banking to suit your requirements for a truly comfortable banking experience. Easy Access Savings Account gives you instant access to your money anywhere, anytime. Possessing a range of unmatched features, it has been devised to better suit the convenience of our eclectic client base.You can avail of all these services with a minimum quarterly average balance of Rs. 5,000 in metro or urban centers, Rs. 2,500 in semi urban centers and Rs. 1,000in rural centers. †¢At-par cheque †¢ATM Network †¢Anywhere Banking †¢ Tele banking †¢ i Connect †¢Mobile Banking †¢Quarterly account statement †¢Quarterly interest @ 3. 5 % per annum †¢Free monthly e-statement. You can avail of all these services with a minimum quarterly average balance of Rs. 5,000 in metro or urban centers, Rs. 2,500 in semi urban centers and Rs. 1,000 in rural centers. Corporate Salary Account:Our Corporate Salary Power Offering is designed to offer pay roll solutions through in a 24 X 7 environment. We leverage on our extensive network of distribution channels spread across 450 centers through a network of more than 827 branches and 3595 ATMs besides our superior service delivery model and product features, as a strong differentiator, to provide value to the end user. Benefit to Employers: †¢Efficient salary disbursal. Web Upload – Transfer salaries/reimbursements directly from your current account with Axis Bank to your employee's accounts using I Connect from your office. Single-instruction salary credit – Same day salary credits for all companies having Corporate Account with Axis Bank. Dedicated relationship manager at metro locations to understand the financial requirements of your employees. Benefit to Employees: †¢No minimum balance criteria. †¢Unparalleled Access – Anywhere banking facility through our network of Branches, ATM and Internet banking facility. †¢AT Par cheque books payable locally at all Axis Bank locations. †¢International Debit cum ATM cards with enhanced Cash withdrawal facility and other value add ones. Online Banking with funds transfer, online shopping and bill payment options. †¢Depository services with free online trading accounts. †¢Meal Cards on a master card platform. †¢Employee Reimbursement accounts as a savings account variant. Preferential pricing on loan products and credit cards and other banking products ; services. 3. Prime Savings Account: Want a customized savings account to suit your specific financial requirements? At Axis Bank, we have always strived to pace our products with the growing needs of our cu stomers.The Prime Savings account has therefore been created with your specific financial requirements in mind. Through the ‘At Par' cheque facility, you have the unique advantage to en cash your cheques as a local cheque at more than 330 centers where the bank has a presence at no extra cost. In addition the account enables you to issue cheques up to Rs. 1 lakhs, which will be treated as ‘At Par' across these locations. You can avail of all these services with a minimum average balance of Rs 25,000 in metro/urban/semi-urban centers and Rs 10,000 in rural centers. 4.Smart Privilege Account: (For the woman of today) In today's busy world it's tough being a working woman. Right from shuttling between a job and family to taking care of her finances she has to be on her toes all the time. Keeping this in mind, we at Axis Bank have designed a savings account best suited for the woman of today. With the Smart Privilege Account, you can manage your money and your life and as we ll as enjoy a host of lifestyle privileges. Furthermore Axis Bank's Smart Privilege Account ensures that you have enough time for all the important things in life. Senior Privilege: (Because life begins at sixty) Are you seeking a banking style that compliments your senior status? Axis Bank's Senior Citizen Savings Account has been designed keeping in mind the fact that a senior citizen's banking requirements are wholly different and require special consideration. * Special Privilege: (A Privilege assures the care you deserve): We have introduced Senior Citizen ID card for our Senior Privilege patrons. Let us briefly introduce the wide range of advantages it hold for you. * Avail of Great benefits with Senior Citizen ID cardID card acts as an age proof. Enabling you to redeem every advantage that you are eligible for, this card will soon help you avail of certain never-before Senior-citizen benefits at various stores, service providers and installation across the nation. * Feel safe Every where Apart from provide you with the power to claim great benefits, card also act as emergency information medium. In case of emergencies, it provides the doctors and authorities with vital data like your blood group, allergies, illnesses, address and emergency contact details.This ensures that you are well looked after in any situation, no matter where you are. * Always a Privilege It will help in strengthen the bond with us and to be of assistance to you at all the times, no matter what your need be. Whether its loan, a savings account or any financial services that you wish to avail of, we will make sure that we're always be there by your side. * Power Salute (Salute to the defense forces) Are you looking for an account that fits with your life in the Defence Forces? Defense Salary Account from Axis Bank is a product designed keeping in mind how tough a life in the Defense Forces is.Not only does it come to you absolutely free, no minimum balance is required either. You c an also access the entire Axis Bank network, including more than 2300 ATMs and 550 branch offices (and growing) no matter where you are posted. With the complete gamut of banking services (including overdrafts, loans and zero-balance requirements) you can now rest assured about your family and all their financial needs. It sour way of showing our appreciation to your work. * Banking Privileges: At-par Cheque Facility * Your job involves constant transfers across the country.With the at-par cheque facility it will no longer be necessary to set up new bank accounts with each transfer. * Additional Debit Card * Along with a free International Debit Card, you also get a free card for the joint account holder. This means that your child or spouse also enjoy the same benefits of banking with Axis Bank. * Financial Advisory Services * Our solutions answer to the twin goals of meeting your requirements and to diversify and spread the risk of your investment portfolio, so you can look forwar d to a comfortable and worry-free life.We first understand your exact investment needs and then design the perfect investment plan for you. 5. Trust/NGO Savings Account: Thoughtful banking for people who spend their lives thinking of others Need special banking for special causes? Axis Banks Trust Account is an effort to offer thoughtful banking for people who spend their lives thinking of others. It is a complete banking solution for Trusts, Associations, Societies, Government Bodies, Section 25 companies and NGOs, so that the organizations can devote all of their time to their noble motivations. Features:- A savings account for your trust with a concessional average quarterly Balance a multi-city at-par cheque facility with no limit on clearing payments at centers across the country wherever we are present. Free anywhere banking across all our Branches and Extension Counters and over all our ATMs. Free Demand Drafts or Pay Orders as and when required by you to remit funds. Free co llection of cheques at outstations locations free monthly e-statement Monthly Statement of Account delivered at your doorstep.Facility for collecting donations in your account through our network of Branches and extension counters across the country, as well as through I Connect – our Internet Banking facility. Also, Axis Bank can offer the facility to donate funds to your Trust through our Internet Banking facility I Connect to its customers. An Axis Bank customer can donate any amount to your Trust through the Internet. In such cases, the savings account of the customer gets debited and the savings account of your Trust gets credited with the amount of donation at the same time.At the end of every month, the Bank will provide an MIS giving details of the amount of donations and the name of donor. This will enable the Trust to issue receipts to the donors. Free Internet Banking facility that enables you to view the status of your account, transfer funds and carry out a numbe r of banking activities from the comfort of your home or office. * Investment Advice * Our Financial Advisory Desk will provide portfolio management advice as well as help you undertake investments. * Free Demat To facilitate your investments, we offer a free Demat Account (charges due to NSDL must still be levied) to our esteemed account holders in the Trust or Society segment. * Foreign Contribution (Regulation) Act [FCRA] accounts * The FCRA account enables approved organizations to receive foreign contributions for utilization in their activities in India. The Bank will provide assistance in the process of documentation and obtaining necessary approvals from Ministry of Home Affairs at New Delhi. 3. 4 CURRENT ACCOUNT INFORMATION 3. 4. 1 CHANNEL ONE: (FOR SUCCESSFUL BUSINESSES)The ‘Channel One’ Current Account is an effort in that direction where we take care of your day to day banking requirements leaving you with more time for your business. Channel One Current Acc ount is most appropriate choice of successful businesses. At a monthly Average Balance (MAB ) of Rs. 10 lack. FEATURES: 1. Relationship Manager. 2. Doorstep Banking. 3. Anywhere Banking. 4. Free Internet Banking. 5. Free 24 hour Tele banking. 6. Mobile Banking Service. 7. International debit card. 8. Cheque Protection Facility. 9. Free 24 – hour cheque deposited facility. 10. Payment of Government Taxes/ Dues. 11. Foreign exchange services. . 4. 2 BUILDERS AND REAL ESTATE: Axis Bank understands the increasing demands on businesses in this segment . Here’s presenting the Axis Bank Builder ; Real Estate Current Account a current account with unparalleled product features built to suit Builders ; Realtors exclusively. This account offers you unmatched convenience while adding financial value to your businesses spread over geographies. . At a monthly Average Balance (MAB) of Rs. 5 Lacks this account comes loaded with special facilities and benefits, most appropriate for yo ur business. FEATURES: 1. Home Branch Cash Deposit. 2. Non – Home Branch Cash Withdrawal. . Free Anywhere Banking. 4. Cluster facility. 5. Zero Balance account for Vendors and Suppliers. 6. Franking Facility. 7. Customer cheque printing. 8. Internet Banking. 9. Free 24-hour Phone banking. 10. Mobile Alerts. 11. ATM cum Debit Card. 12. Free Monthly Account Statement. 3. 5 TRAINING IN WHOLESALE BANKING OPERATION 3. 5. 1 CORPORATES Corporate Banking reflects Axis Bank's strengths in providing our corporate clients in India, a wide array of commercial, transactional and electronic banking products. We achieve this through innovative product development and a well-integrated approach to relationship management. Funded Services: Working Capital Finance, Bill Discounting, Export Credit, Short Term Finance, Structured Finance, Term Lending. * Non Funded Services: Letter of Credit, Collection of Documents, Bank Guarantees. * Value Added Services: Syndication Services, Real Time Gross Settlement, Cash Management Services, Corporate Salary Accounts, Reimbursement Account, Bankers to Right/Public Issue, Forex Desk, Money Market Desk, Derivatives Desk, Employees Trusts, Cash Surplus Corporate, Tax Collection * Internet Banking: Supply Chain Management, Corporate Internet Banking, Payment Gateway Services. 3. . 2 SMALL AND MEDIUM ENTERPRISES: At Axis Bank we understand how much of hard work goes into establishing a successful SME. We also understand that your business is anything but â€Å"small† and as demanding as ever. And as your business expands and enters new territories and markets, you need to keep pace with the growing requests that come in, which may lead to purchasing new, or updating existing plant and equipment, or employing new staff to cope with the demand. That's why we at Axis Bank have assembled products, services, resources and expert advice to help ensure that your business excels.Solutions are designed to meet your varying needs. The follo wing links will help you identify your individual needs. * Funded Services: Funded Services from Axis Bank are meant to directly bolster the day-to-day working of a small and a medium business enterprise. From working capital finance to credit substitutes; from export credit to construction equipment loan – we cater to virtually every business requirement of an SME. Click on the services below that best define your needs * Non-Funded Services: Under Non-Funded services Axis Bank offers solutions that act as a catalyst to propel your business.Imagine a situation where you have a letter of credit and need finance against the same or you have a tender and you need to equip yourself with a guarantee in order to go ahead. This is exactly where we can help you so that you don't face any roadblocks when it comes to your business. The following are the services that will precisely tell you what we can do Business Accounts, Letters of Credit, Collection of Documents, Axis Bank Trade, Guarantees, Cash Management Services, Money Market Desk, Derivatives Desk, Services to Cash Surplus Corporate, Services to Employee Trusts, Bankers to Rights/Public Issue, Tax Collection. Specialized Services: Axis Bank is one of the most trusted entities when it comes to specialized services like selling of precious metals to customers. Under specialized services you can also avail customized control of your value chain through our internet banking platform. * Value Added Services: There is a plethora of services that we offer under value added services. There's corporate salary account which ensures smooth payment methods to your staff. You can avail an assortment of credit cards and debit cards from our merchant services. The following are the highlights of this service:Real Time Gross Settlement, Reimbursement Account, Custody Services, Corporate Salary Accounts, Merchant Services, Axis Bank Gold Business Credit Card. * Internet Banking: Internet banking is a revolutionary servi ce under the banking sector and Axis Bank is a forerunner in providing you with this service. We provide state-of-the-art payment gateway services to industries and companies in order to ease transaction processing. This in turn enhances the credibility of your business and makes banking extremely cost-efficient. 3. 5. 3 GOVERNMENT SECTOR:Axis Bank acts as an active medium between the government and the customers by means of various services. These services include : * Tax Collection Where in customers can directly pay their taxes like Direct taxes, Indirect taxes and Sales Tax collections at their local Axis Bank * E-Ticketing Helps the customer by providing him a direct access to book a Railway Ticket online and get it home delivered * Opening of L/C's is done by the bank on behalf of Government of India, Mints and Presses, thus facilitating imports for the Government. * Collection of levies and taxes on behalf of Municipal Corporations i. . Kalyan -Dombivli Municipal Corporation, is undertaken by the Bank. * Collection of stamp duty is done via franking mode in the states of Maharashtra & Gujarat. The Stamp Duty Franking Facility is available at following branches in Maharashtra Fort, Chembur, Lower Parel, Mira Road, Thane (Talao Pali), Panvel, Ratnagiri, Pune (FC Road), Kolhapur, Nagpur, Pimpri. The Stamp Duty Franking Facility is available at following branches in Gujarat Ahmedabad (Navrangpura), Kutch (Mundra), Baroda (Gotri Road), Surat (Ring Road), Bhavnagar & Vapi (GIDC). Disbursement of Pension to retired Employees of Central Govt and Defence is directly done by Axis Bank along with the disbursement of pension to the members of EPFO (Employees Provident Fund Organization) * Electronic Collection of fees on behalf of DGFT is done by the bank too * Ministry of Corporate Affairs Collection of ROC fees for the Ministry through authorized Branches and Net Banking. * Collection of Property Tax through Selected Branches on behalf of Municipal Corporation of Delhi CHAPTER 4 DATA ANALYSIS & INTERPRETATION 4. 1 Analysis of QuestionnaireThe study was conducted and primary data was collected through questionnaire method. For this purpose, 100 respondents of the TANDA city were approached of 100% in the branch has been shown below: Q1 Customer having accou