What is Passover? Essay -- essays research papers fc

What is Passover? Its History and Traditions Passover is perhaps the most established celebration on the planet. This celebration falls in spring, in the primary month of the Hebrew year, called Nisan (March-April), and goes on for eight days, from the fifteenth to the twenty-third. It remembers the arrival of the Israelites from Egypt and the way that God â€Å"passed over† their homes when he looked for the primary conceived in that land.      According to the Bible, the account of Passover runs as follows. A gathering of Hebrews known as the children of Jacob descended from Canaan towards Egypt. They settled under a kind system, where they were made slaves and set to work, constructing the urban areas of Pithum and Raamses. The pharaoh requested all the Hebrew children to be murdered during childbirth. A Hebrew mother set her baby youngster into a container and set him in the Nile River, to escape the pharaoh’s order. The Pharaoh’s little girl discovered this Hebrew infant, called him Moses, took him home and raised him.      One day, he saw a severe assault upon a Hebrew by an Egyptian supervisor; angered by the assault Moses killed the Egyptian. Dreading to be executed for slaughtering an Egyptian, he fled to Midian, where he wedded the little girl of a neighborhood cleric. On one event while going to the sheep of his dad in-law on Mount Horeb, Moses saw a scene of a consuming hedge. This hedge appeared to be some how not to expend. Considering what was occurring, he came nearer to the shrubbery and the nearby god Yahweh (Jehovah) revealed to him that the Israelites were enduring, and that he had been decided to discharge them from Egypt and lead them to the paradisal land, what is referred to now as Palestine and Syria. Moses needed to acquaint Jehovah with the Israelites, and after they had embraced him, he needed to go to the Pharaoh and solicitation the arrival of the individuals.      To show that it was to be sure Jehovah, who had addressed Moses, Moses was outfitted with three mysterious certifications. In the first place, his staff was transformed into a snake and afterward returned to its ordinary shape. Second, when he set his hand under his sleeve, it became sick and afterward it recuperated when he expelled it. Third, he was informed that if the individuals continued scrutinizing his strategic, was to give them noticeable confirmation by diverting water from the Nile into blood before their eyes.      As appointed, ... ...ortance, empowering the individual to know about appreciation, and to broaden an individual’s viewpoint of himself/herself comparable to his/her kindred people. The Feast of Freedom, called Passover, is a case of a significant story demonstrating God’s goal to pass on a harmony between the Hebrews’ self concerns and the worries of their foes, as God reminds the Hebrew to petition God for the fallen Egyptians armed force and the killed first-borns of the Egyptian families. Passover’s idea of opportunity isn't just a reason for festivity, yet in addition a solid exercise in the estimation of how an individual should behave or a gathering should act to other people. Book reference Bulka, Reuven P. What you thought you thought about Judaism. Jason Aronson Inc. Northvale, New Jersey. 1989 Cardozo, Arlene Rossen Jewish Family Celebrations. St. Martin’s Press, New York . 1982 Fredman, Ruth Gruber The Passover Seder. College of Pennsylvania Press, Philadelphia. 1981 Goodman, Philip The Passover Anthology. The Jewish Publication Society of America. Philadelphia. 1971 Sohn, Seock-tae The Divine Election of Israel. William B. Eerdmans Publishing Company. Excellent Rapids, Michigan. 1991

The Remains of the Day Essay Sample free essay sample

The account The remaining parts of the twenty-four hours. by Kazuo Ishiguro is loaded up with the two aspects of misfortune and distress. The term Loss is a whole that one endures because of an occasion and the term distress intends to encounter sorry for activities that have been finished. These two significant subjects can be both seen misprint and allegorical over the class of the novel. The book stresses significance on the past and all that could of originate from it. There are numerous declinations from Stevens non having the option to be with Miss Kenton to neer having the option to be his ain person. The misfortune in this book is substantial each piece great runing from expires to loss of felicity. also, Lord Darlington’s loss of respect. The book has numerous flashbacks in it puting a scene of harshness in the characters fro the present. By and large both misfortune and lament show enormous capacities in The remaining parts of the twenty-four hours due to all the des pondency these two goals brought. During the class of the novel there were numerous declinations when covering with Stevens a pantryman. â€Å"I assume. when with the advantage of knowing the past one starts to look for one’s days of old for such ‘turning points’ . one is arranged to get down observing them everywhere† ( 175 ) . Perhaps the greatest declination for him was non being with Miss Kenton a servant. Miss Kenton was the affection for his life and he did non indict her. He reevaluates his past activities with her and acknowledges he could hold had a superior existence with her with greater felicity. He neer followed up on his affections for her and only permit her take off to somewhere else. He feels incredible harming from this especially since now Miss Kenton has hitched. Be that as it may, even miss Kenton feels remorseful of her assurance. â€Å"when you contemplate internally: What a dreadful mistake I’ve made with my life. Furthermore, you get to accepting about an alternate life. a superior life you may hold had. For case. I get to accepting about an actual existence I may hold had with you. Mr. Stevens† ( 226 ) . She understands too much that her genuine affection is Stevens however now is stuck in a cold marriage that she wishes she could reclaim. Stevens is, all things considered, disheartened from the twist of occasions throughout his life. This alongside other ground was cause for why he neer was his ain person. Stevens declinations other than non doing his ain conclusions and going to bat for himself and ends up ever accepting. â€Å"This manager typifies all that I find baronial and excellent. I will from this point forward offer myself to him† ( 200 ) . He comes to footings that he neer got all that he could out of life and just lived as additional items to his various bosses. He comprehends that he was kept down by his occupation and the amount more satisfaction he could hold had throughout everyday life. â€Å"You see. I trusted. I confided in his lordship’s knowledge. Each one of those mature ages I served him. I believed I was making something beneficial. I can’t even say I made my ain blunders. Really †1 needs to ask oneself †what sense of pride is at that place in that? † ( 243 ) . He could hold been his ain grown-up male. with his ain docket. be that as it may, on the other hand was after individual else. In twist declinations his life and what has originated from it. Another subject in the account is the idea of misfortune. Misfortune is interwoven in this book and exchanges with numerous occasions in it. It about contacts each sanction in the aspect of perish with the two individuals and beliefs. Stevens loses his dad who he shows little contrition when on his deathbed. Miss Kenton loses her solitary near her auntie and Lord Darlington loses two dearest companions. All proposals perishes and lose realize despondency and nothing but bad. Lose of anything is terrible and most assurance awful when covering with existent people groups lives. Stevens and Miss Kenton and Lord Darlington all lose something different nonliteral as great. Stevens loses Miss Kenton and push to indict her. Other than Miss Kenton loses her covered love Stevens and any expectations of have a genuine marriage with individual an individual loves. From this the two of them lose segment of they spirits each piece great as their Black Marias in losing the clasp they could of caught so as to be together. â€Å"Rather. it was as if one had accessible an endless figure of yearss. months. mature ages in which to screen out the impulses of one’s relationship with Miss Kenton ; a boundless figure of more remote possibilities in which to redress the outcome of either misjudging. There was positively nil to bespeak at the clasp that such clearly little occurrences would render entire dreams everlastingly irredeemable† ( 179 ) . Ruler Darlington other than looses something and that is his notoriety and judgment. He looses this by having confidence in the Nazis goals of World War II and back uping them. He gets conditioned by the Nazis and does non really comprehend their existent message. â€Å"Over the last hardly any mature ages. his Lordship has likely been the individual most utile pawn Herr Hitler has had in this stat e for his purposeful publicity quick ones. All the better in light of the fact that he’s true and respectable and doesn’t recognize the genuine idea of what he’s doing† ( 224 ) . From this individuals look down on him and he is neer seen as the equivalent. He loses who he genuinely is. Lose comes up in numerous way in the book all-prompting an anguish or disheartened way of life. Two subjects lament and misfortune very effect The remaining parts of the twenty-four hours by demoing the misery it can pass on. Misfortune and distresses are things that no individual needs however are hard to keep away from. Misfortune is knowledgeable about the expires of individuals. losing cherished 1s. also, notorieties being destroyed. Lament is seen with Stevens neer having the option to intrude on free and go his ain individual and a bombed open door at genuine affection among Stevens and Miss Kenton. Taken in general. the book communicates these impressions in a mode to demo individuals that life must non be underestimated and lived without limit. Figure is impeccable doing everybody influenced by misfortune and distress. People groups ought to larn from their blunders and remove exercises. No issue the misfortune or atone one should neer abandon there ain life.

Building Valuable Digital Economy Skills

Building Valuable Digital Economy Skills The Importance of Digital Economy Skills The Importance of Digital Economy Skills Most resumes begin quite formulaically with a short section listing relevant employment skills such as conscientious, hardworking, and team player, however these are often recognized as well-known cliches. These are qualities that anyone can claim they have, but it really requires you to already have the job in order for others to judge how well you deliver on what you’re selling. Some people, however, have much more tangible skills to advertise. Not your typical employment skills These are hard skills, or technical ones that they’ve learned themselves, and which can end up having a real positive impact on a potential employers bottom line. Employers are obviously looking for people who will fit well into their organizational culture, and who are going to be able to competently perform their assigned duties, but they also want people who add unexpected value to the existing business. To add value, you need valuable skills. Below is a list of some of the most valuable new digital economy skills. Learn to use Microsoft excel For many people, the words ‘Microsoft Excel’ conjure up images of unbearable dryness. Eye-burning, multi-thousand cell spreadsheets containing next quarter’s budget projections, links to other spreadsheets, and headache-inducing colour-coordinated lists of names and dates. This, however, are basic Excel competencies. What we are talking about here is more advanced Excel skills such as understanding and creating macros, graphs, and complex formulas. You see, our current economy, and to much greater extent, the economy that current undergraduate students will be making their way into, is based on data analytics. That, in fact, is the exact claim made by a 2017 article in Entrepreneur magazine entitled “Data Analytics Will be the DNA of the new Economy.” Most large companies are attempting to leverage data analytics in order to identify business potential and develop merchant and customer relationships. Being able to design macros for your employer (a skill that takes time to master) can help automate certain data analysis functions, compile information quicker, and provide decision making capabilities to your employer much more efficiently than manual work. There are free (and paid) excel courses that you can take online, at your own pace, which you can work into your academic schedule (even easier if you are not currently taking a full course-load) that might end up giving you the edge when you start applying for jobs. Search Engine Optimization Search Engine Optimization, also known as SEO, is the secret language of the world wide web. Most of what you see, click, and read online has been designed with SEO in mind. If you are unfamiliar with the term, it means creating content which will rank favourably, and highly on large search engines when you look for certain combinations of words (or keywords). There is a reason certain companies and websites appear at the top of the Google rankings when you look for words associated with goods and services they provide: their written and multimedia content has been specially designed so that the Google algorithm recognizes their content as high, or the highest quality, and their webpages subsequently show up on top of the list of hits on Google. There are numerous guides on the internet which provide a list of free SEO learning resources. If an employer recognizes that you understand the concept of SEO, especially if that employer currently does not have an employee or department specifically dedicated to SEO, your resume could very well move to the top of the pile, even if you don’t necessarily have the ‘work experience’ a given position claims to require. Learn about the Adobe Creative Suite The Adobe Creative Suite is the name given to a package of 15 different Adobe products used in everything from graphic design, to advertising, to all kinds of different multimedia development. It includes programs like Photoshop, After Effects, InDesign, Illustrator, Lightroom, Flash Builder and a number of others. Most people outside of a handful of creative industries either don’t receive any creative suite training during their education, or never have to use it on the job. This, however, doesn’t diminish its usefulness. Adobe programs like Photoshop, InDesign, and Lightroom can be used to create logos, promotional and marketing material, advertising campaigns and much more. If an employer knows you are able to utilize these programs, and, more importantly, if they know you are able to provide a communication nexus between creative and more traditional business divisions, you have a unique skill set that will be hard to replicate. You might find yourself given more responsibility, more job flexibility, and be able to present yourself as a well-rounded, more versatile employee. Social media marketing The term ‘social media’ attached to anything has a bit of a buzzword feel to it, but the fact of the matter is, many companies, especially those who have been slow to adapt to the changing digital landscape, are well behind the social media curve. They don’t understand how it works, how companies can, and are expected to engage with their current and prospective client base, and why they need to pay as much attention to is as they should. Knowledge of things like cross platform promoting, how to edit and make short videos, tips for increasing traffic to various social media accounts, and how to put out social media PR fires are invaluable tools in the current digital economy ones which many employers are in dire need of. In addition to SEO and Microsoft Excel courses, there are a wide range of free and paid social media marketing courses and seminars, as well as hundreds of thousands of words of literature on the constantly evolving world of social media marketing, and doing business in the era of social media. All of this can help impart valuable digital economy knowledge and skills that make you a more attractive employee. There will be times throughout your university career when you start to question if what you are learning, and, more importantly, what you are paying incredible sums of money for, is really setting you up for professional success in the future. If you find yourself in the middle of a course that you feel is holding you back from pursuing other, more fruitful educational and professional development, consider hiring a professional essay writing company like Homework Help Global. We offer a diverse range of professional essay writing services, which could help you find time to pursue some of the valuable digital economy employment skills mentioned above. References: (2017). “Guide to the Best Free Sources for Learning SEO.” Marketing Insider Group. Retrieved from: Suh, A. (2017). “Data Analytics Will be the DNA of the New Economy.” Entrepreneur. Retrieved from: 298906 Building Valuable Digital Economy Skills The Importance of Digital Economy Skills The Importance of Digital Economy Skills Most resumes begin quite formulaically with a short section listing relevant employment skills such as conscientious, hardworking, and team player, however these are often recognized as well-known cliches. These are qualities that anyone can claim they have, but it really requires you to already have the job in order for others to judge how well you deliver on what you’re selling. Some people, however, have much more tangible skills to advertise. Not your typical employment skills These are hard skills, or technical ones that they’ve learned themselves, and which can end up having a real positive impact on a potential employers bottom line. Employers are obviously looking for people who will fit well into their organizational culture, and who are going to be able to competently perform their assigned duties, but they also want people who add unexpected value to the existing business. To add value, you need valuable skills. Below is a list of some of the most valuable new digital economy skills. Learn to use Microsoft excel For many people, the words ‘Microsoft Excel’ conjure up images of unbearable dryness. Eye-burning, multi-thousand cell spreadsheets containing next quarter’s budget projections, links to other spreadsheets, and headache-inducing colour-coordinated lists of names and dates. This, however, are basic Excel competencies. What we are talking about here is more advanced Excel skills such as understanding and creating macros, graphs, and complex formulas. You see, our current economy, and to much greater extent, the economy that current undergraduate students will be making their way into, is based on data analytics. That, in fact, is the exact claim made by a 2017 article in Entrepreneur magazine entitled “Data Analytics Will be the DNA of the new Economy.” Most large companies are attempting to leverage data analytics in order to identify business potential and develop merchant and customer relationships. Being able to design macros for your employer (a skill that takes time to master) can help automate certain data analysis functions, compile information quicker, and provide decision making capabilities to your employer much more efficiently than manual work. There are free (and paid) excel courses that you can take online, at your own pace, which you can work into your academic schedule (even easier if you are not currently taking a full course-load) that might end up giving you the edge when you start applying for jobs. Search Engine Optimization Search Engine Optimization, also known as SEO, is the secret language of the world wide web. Most of what you see, click, and read online has been designed with SEO in mind. If you are unfamiliar with the term, it means creating content which will rank favourably, and highly on large search engines when you look for certain combinations of words (or keywords). There is a reason certain companies and websites appear at the top of the Google rankings when you look for words associated with goods and services they provide: their written and multimedia content has been specially designed so that the Google algorithm recognizes their content as high, or the highest quality, and their webpages subsequently show up on top of the list of hits on Google. There are numerous guides on the internet which provide a list of free SEO learning resources. If an employer recognizes that you understand the concept of SEO, especially if that employer currently does not have an employee or department specifically dedicated to SEO, your resume could very well move to the top of the pile, even if you don’t necessarily have the ‘work experience’ a given position claims to require. Learn about the Adobe Creative Suite The Adobe Creative Suite is the name given to a package of 15 different Adobe products used in everything from graphic design, to advertising, to all kinds of different multimedia development. It includes programs like Photoshop, After Effects, InDesign, Illustrator, Lightroom, Flash Builder and a number of others. Most people outside of a handful of creative industries either don’t receive any creative suite training during their education, or never have to use it on the job. This, however, doesn’t diminish its usefulness. Adobe programs like Photoshop, InDesign, and Lightroom can be used to create logos, promotional and marketing material, advertising campaigns and much more. If an employer knows you are able to utilize these programs, and, more importantly, if they know you are able to provide a communication nexus between creative and more traditional business divisions, you have a unique skill set that will be hard to replicate. You might find yourself given more responsibility, more job flexibility, and be able to present yourself as a well-rounded, more versatile employee. Social media marketing The term ‘social media’ attached to anything has a bit of a buzzword feel to it, but the fact of the matter is, many companies, especially those who have been slow to adapt to the changing digital landscape, are well behind the social media curve. They don’t understand how it works, how companies can, and are expected to engage with their current and prospective client base, and why they need to pay as much attention to is as they should. Knowledge of things like cross platform promoting, how to edit and make short videos, tips for increasing traffic to various social media accounts, and how to put out social media PR fires are invaluable tools in the current digital economy ones which many employers are in dire need of. In addition to SEO and Microsoft Excel courses, there are a wide range of free and paid social media marketing courses and seminars, as well as hundreds of thousands of words of literature on the constantly evolving world of social media marketing, and doing business in the era of social media. All of this can help impart valuable digital economy knowledge and skills that make you a more attractive employee. There will be times throughout your university career when you start to question if what you are learning, and, more importantly, what you are paying incredible sums of money for, is really setting you up for professional success in the future. If you find yourself in the middle of a course that you feel is holding you back from pursuing other, more fruitful educational and professional development, consider hiring a professional essay writing company like Homework Help Global. We offer a diverse range of professional essay writing services, which could help you find time to pursue some of the valuable digital economy employment skills mentioned above. References: (2017). “Guide to the Best Free Sources for Learning SEO.” Marketing Insider Group. Retrieved from: Suh, A. (2017). “Data Analytics Will be the DNA of the New Economy.” Entrepreneur. Retrieved from: 298906

Essay On Saving Private Ryan - 1713 Words

Saving Private Ryan Released in 1998, Saving Private Ryan is a war movie directed by Steven Spielberg. It tells a story of saving Private James Ryan (Matt Damon) who is an American paratrooper was trapped behind the enemy in Normandy during the Second World War. Unfortunately, James Ryan is the youngest and only surviving son of a mother who had received notices on the same day of the death of three of her four sons. The mother would be extremely grieved and helpless if she lost her remaining son. After the US Combat Commander knew the situation, he decided to organize a squad of eight soldiers include Captain Miller (Tom Hanks) to look for this only hope, James Ryan, of the family and bring him back to his mother safely from the war.†¦show more content†¦As the theme of this film of eight people saving one person, it may never happen in reality. However, they still carry out their duties in order to prevent a decrepit and ailing mother suffer all her sons have been killed in the war. The fiction of human nature has touched people’s heart deeply, so that we shall not be overcritical about whether it is consistent with historical facts or other numerous issues. This should be the brilliant point of the director by impressing audiences with the sharp contrast between reality and fiction of humanity. Watching a historical film may not make any change of the past, but it may change the future. Saving Private Ryan caught my eyes by titling Private Ryan instead of General Ryan, Private is a soldier of the lowest rank which is the common knowledge, why filmmakers would choose to film a story of saving a private but not a general? What has this private done in the war? He must have done something worthy to make a film of him. Questions constantly popping into my mind. When the beginning of the film started with an old man standing in front of the grave of martyrs who were sacrificed in World War II, and Captain Miller appeared in the next scene, I was affirmative that the whole story must be the memory of Captain Miller’s experience in World War II. Also, when I saw the first Ryan who was dead on the Omaha beach in the beginning of the movie, I started to get curious of what is this movie about if the RyanShow MoreRelated Saving Private Ryan Essay1053 Words   |  5 PagesSaving Private Ryan In his review of the film â€Å"Saving Private Ryan†, N.Cull claims that the film presents†¦ â€Å"a realistic depiction of the lives and deaths of G.I’s in the European theatre in World War II†. Do you agree with his assessment of the film? Argue your case. N.Cull’s assessment of the film Saving Private Ryan in that it portrays â€Å"a realistic depiction of the lives and deaths of G.I’s in the European theatre in World War II† is an accurate one. Director Stephen Spielberg brings toRead MoreEssay On Saving Private Ryan1940 Words   |  8 PagesEnrichment Project: Saving Private Ryan Saving Private Ryan has affected me emotionally, for the most part. I had no idea what World War II was like, and the movie made me feel like I was there. Even though in the movie, Captain Miller goes out of his way to save Private Ryan, it made me realize that soldiers actually did this back then to save their friend’s life. Maybe that certain person was not their friend, but soldiers would still risk their lives for other soldiers, just to gain respect andRead MoreSaving Private Ryan Essay1422 Words   |  6 PagesSaving Private Ryan Many people in this world have power and influence. Yet, there are few who have the traits needed to be an incredible leader. These people who are positive leaders tend to leave strong impressions in our minds for years or maybe even a lifetime. In choosing a movie with a character that portrayed a strong sense of power and influence, and possessed the traits of a good leader, I remembered a character that left an admirable impression in my mind. Saving Private RyanRead MoreEssay On Saving Private Ryan1495 Words   |  6 PagesSaving Private Ryan Historical Accuracy In World War Two a brave group of United States, Canadian, and English troops made a last push against Germany who had invaded France. Many soldiers from the United States died fighting for their country among soldiers from other countries. The U.S. suffered almost 2000 casualties at Omaha Beach. The movie â€Å"Saving Private Ryan† includes scenes from Omaha Beach among other places. The movie Saving Private Ryan has many historical accuracies and is also historicallyRead More Saving Private Ryan Essay940 Words   |  4 Pages Saving Private Ryan is a movie that generates strong responses from most people that see it. While interviewing four individuals and reading three movie reviews, I found that each of my subjects would recommend it, not one of the individuals interviewed felt the violence was senseless, and all of them left the movie with a strong emotional response of some kind. It appears that Saving Private Ryan is the kind of movie to which many can relate. Saving Private Ryan is not a romantic, feel-good movieRead MoreSaving Private Ryan Essay983 Words   |  4 PagesSaving Private Ryan Saving Private Ryan portrays the experiences of the mysterious captain John Miller and his army ranger Squad. The story accurately depicts what could have happened to a comparable unit mission shown had actually existed. No Saving Private Ryan character ever existed. Furthermore, it is unlikely that Saving Private Ryan’s mission ever would have been ordered. The mission shown is improbable because United States army sole survivor policy â€Å"is applicable only in peacetime.†Read MoreFilm Review of Saving Private Ryan Essay1113 Words   |  5 PagesFilm Review of Saving Private Ryan Saving Private Ryan was released in 1998 and was directed by one of Hollywood’s most famous directors Steven Spielberg. His previous work has included Schlinders List and ET. The screen play was written by Robert Rodat and the music was composed by John Williams. The cast included actors such as Tom Hanks, Matt Damon and Tom Sizemore. The film won 5 Academy awards including best Director and Best Sound Effects Editing. The filmRead MoreSaving Private Ryan by Steven Spielberg Essay1181 Words   |  5 PagesSaving Private Ryan by Steven Spielberg Saving Private Ryan is an epic war film directed by the world-renowned Steven Spielberg. The movie received several awards including five Academy Awards for best cinematography, best director, best effects, best film editing and best sound, it also picked up other prestigious awards. The first twenty-five minutes are a flashback to the storming of Omaha Beach on D-Day. Through his unique uses of proxemics, camera angles, costumesRead More Saving Private Ryan - The Art of War Essay1072 Words   |  5 PagesSaving Private Ryan - The Art of War Released in 1999, Saving Private Ryan shocked the United States. Devastatingly realistic, and never pulling a punch, Steven Spielbergs World War II film has gone down in history, winning multiple awards, and receiving praise from all around the world. Tom Hanks superb acting, coupled with Spielbergs artistic sense in regards to film making, unleashed a powerhouse of a cinematic experience. The film could not have hit theaters during a better time. The WorldRead MoreEssay about Comparing Saving Private Ryan and The Longest Day666 Words   |  3 PagesComparing Saving Private Ryan and The Longest Day The purpose of this essay is to compare which of the two films (Saving Private Ryan and The Longest Day) is the most emotionally effecting. I am also trying to compare how each of the two films represent war and soldiers to the audience. The camera work in the two films is very different. The Longest Day nearly always uses the God view where the camera is taking an aerial shot of the action. The God view means that

An Overview of Bilingual Education Essay - 3835 Words

Overview of Bilingual Education Is a second language a necessity in our world today? Should parents push for their child to learn two languages in elementary school? If we live in multicultural neighborhoods, trade with the global marketplace, and want to use all technology resources available, it is necessary to know two languages. Multilingual people and communities seem to have an edge over monolingual competition. This provides people of all ages an incentive to learn a second language (Genesee, 1998). In this research paper English and Spanish will be the languages referred to for bilingual education, although others are offered. The purpose of this paper is to compare the benefits and pitfalls of language immersion programs†¦show more content†¦It’s a plus. Learning the first language at the same time as learning English is having a positive effect on both languages. At home the parents feel that they can communicate with their children,† (p. 664) says a Khmer-speaking teacher in Australia (Barrot-Pugh Rohl, 2001). Khmer is spoken in all Australian homes and is practically required for children to learn. This program is not only for increasing cognitive skills, but also for students to communicate fully in their community and within their families. One in every four children in Australia speaks a language other than English. Australian children are encouraged and greatly supported by the community to learn a second language, which is why these numbers are so high. If the United States had the same motivation for their children, it would produce many more bilingual children. All children in the Khmer-English program show parallel development in the two languages. Many kids accomplish this by using information from one language to assist the development of the other language. Learning Khmer gives the children a sense of identity in their home and culture (Barratt-Pugh Rohl, 2001). This is a good example of a community using all its available resour ces, and hopefully Americans will learn from their enthusiasm. Types of Bilingual Education Bilingual education basically is, according to Rowntree (1981,) â€Å"an educationShow MoreRelatedAn Overview of Bilingual Education amongst Chinese Immigrants2307 Words   |  9 PagesAn Overview of Bilingual Education Amongst Chinese Immigrants Managerial Decision Case: Should our small, local paper-supply business sell out to a big national corporation with a broader economic reach? Executive Summary: The following is a case examination in which a small, local paper-supply company determines that it is most expedient to consent to a buy-out by a big national chain. The discussion here will examine the reasons why this was chosen as the most appropriate course of actionRead MoreBilingual Education in Nigeria Essay984 Words   |  4 PagesBilingual education and its effectiveness have been a considerable issue in countries regardless of their level of social and economical development and the aim of its implementation that can be either the multinational structure of society or the colonial background. However, a type, of system implemented, varies according to the government policy and public attitude towards bilingual education (MoÄ inić, 2011, 176). The aim of this paper is to examine the current system of bilingual education inRead MoreEffects Of The Affordable Care Act1687 Words   |  7 PagesEstablished in 2010, PPACA is a federal statute that determines the health c are conditions of Americans. The requirements of PPACA are important to understand because they directly affect the health care access of millions of Americans. This literature overview will provide an insight on the effect of PPACA regulations on health care accessibility, in addition to clarifying the contrasts in health care access experienced by different races and classes. The Affordable Care Act African Americans have experiencedRead MoreAspects Of Ell Education And Student Achievement1463 Words   |  6 Pagesmany aspects of ELL education to be explored. In order to effectively inform policy on ELL education, one must consider what affects student achievement, how to keep education adequate and equitable with the inclusion of ELLs, and how ELL education affects funding of schools. These topical areas of research, while not exhaustive, are helpful in framing the larger topic of this paper: if varying numbers of ELLs affect the state mechanism for funding ELL education. ELL Education and Student AchievementRead MoreEducation in 1954: Separating Mexican American Students from White Students1335 Words   |  6 PagesSpanish-speaking students, motivation plays a key factor to their academic success. As literacy specialists, we need to understand how important a student’s motivation can affect his or her learning capabilities. Historical Overview: Before the famous Brown v. Board of Education decision in 1954, Mexican American children were educated in schools and classrooms that were separate from classrooms that consisted of white children. By having separate classes, educational leaders believed that MexicanRead MoreAdvanced Seminar On Early Childhood Special Education810 Words   |  4 Pages DIFFERENTIATED CURRICULUM PROJECT PART A ADVANCED SEMINAR IN EARLY CHILDHOOD SPECIAL EDUCATION ECPSE 731 PROFESSOR: MONICA GIGANTE FEBRUARY 25, 2015 ADIE S. JAMES (SHARON) Overview Observation and interview for this assignment were conducted at P.S. 95Q – The Eastwood School, a New York City Department of Education public elementary school, located at 179-01 90th Avenue, Jamaica, N.Y. 11432. The hosts grades Kindergarten to 5th Grade, and has a population of 1,484 students.. School personnel includeRead MoreRacism : A Serious Social Issue1029 Words   |  5 Pages-big-issue.html Brick, Neil: â€Å"Archive for the ‘Modern Racism and Its Psychosocial Effects on Society – including a discussion about bilingual education’ Category.† (Bilingual education mass: 02 October 2008) https://bilingualeducationmass.wordpress.com/category/modern-racism-and-its-psychosocial-effects-on-society-including-a-discussion-about-bilingual-education/ Essays, UK: â€Å"The World Wide Problem Of Racism Sociology.† (November 2013) http://www.ukessays.com/dissertation/research-project/the-world-wide-problem-of-racism-sociologyRead MoreEssay about The Debate Over Bilingual Education and Immersion Programs3684 Words   |  15 PagesThe Debate Over Bilingual Education and Immersion Programs In recent years, the debate over whether bilingual education or immersion programs (such as English for Speakers of Other Languages) better serve the needs of limited-English-proficient (LEP) students in the United States has been heating up. The increasing need for such services insights passionate supporters and opposition to rise up against one another in the fight over which is better. Advocates of bilingual education stress the valueRead MoreSecond Language Writing Pedagogy And The Classroom And How Teachers Can Help Them Develop And Succeed Alongside Learners920 Words   |  4 PagesWhat Every Teacher Needs to Unlearn.† Center for Research on Education, Diversity and Excellence (NCRCDSLL). Educational Practice Report. 5 (1992): 1-18. Web. 18 Nov. 2015. This report argues that teachers need to have a more in-depth understanding of second language acquisition because a child’s academic progress may be at risk if teachers have unrealistic expectations of the process of second language learning. It provides an overview and discussion of commonly held myths and misconceptions aboutRead MoreEarly Generation Vietnamese Americans : An Investigation On Attitudes1749 Words   |  7 Pagesstudy and (2) to analyze and summarize current research on the problem of practice. In terms of the theoretical framework, the main theoretical emphasis is on heritage language maintenance in the context of migration. The section will give a brief overview on types of language contact phenomena, in particular (1a) language maintenance and shift; and (1b) Anglicization. Regarding research analysis and summaries, this chapter reviews literature on the two key themes: (2a) social issues; and (2b) linguistic

Summary Multimedia Database Free Essays

INTRODUCTION 1) Background a) Combine text + graphics b) Visual + audio c) Catalog and index image + efficient storage and delivery 2) 4 Difficulties d) Data type e) Data manipulation f) Data storage g) Data delivery 3) Importance h) Store Image (eg:museum) i) Search and manipulate content 4) Types j) Images k) Audio l) Video m) Document n) Handwritten 5) Application o) GIS,CAD,Face-retrieval,doc imaging, medical db, web 6) Characteristic p) Treat mdb same way as data based 7) 4 Challenges q) Size r) Time s) Semantic Nature of Multimedia ) Operation of individual media 8) 5 Features u) Support diff. multimedia data type v) Handle large no. multimedia obj. We will write a custom essay sample on Summary Multimedia Database or any similar topic only for you Order Now w) Hierarchical storage structure archiving data x) Information-retrieval y) Database capabilities More Summary of Devil at My Heels MULTIMEDIA DATA 1. Multimedia data size [Size of media data makes storage, processing, transmission and reception of the data very costly] a. Multimedia data acquisition * Data capture: photo/audio/video * Sampling: convert analog to digital * 8bits = 256 colors * 24bits = 16 million colors b. Dealing with Media Object Size * 2 approaches : store references/reduce size media * SQL:1999 2 data type BLOB CLOB Lack in (PK, FK ,equality test) * Oracle9i: support 2 LOB #internal LOB: BLOB CLOB #external LOB: BFILE * IBM DB2: BLOB,CLOB,DBLOB(china) c. Reducing Media Object’s Size * Compression algorithm *remove duplicate information *abbreviating information * Objective *Reduce bandwidth/storage *Decode signal close to original *Robustness,scalability,extensibility * 2 stages: *Predict-estimate redundant select algorithm Transform-Compress Decompress * 2 form of compression *Lossless-lose none,2:1,3:1 *Lossy-lose some,10:1,80:1 * Two ways *Run-length encoding *Huffman coding * 2. Real-Time Nature of Multimedia Data d. Segmentation: subdividing video obj e. Manual segmentation costly so focus on automatic segmentation 3. Semantic Nature of Multimedia Data f. Semantic: metadata describe multimedia obj. g. Refer as: text desc/characteristic of metadata(texture of image,f requencies of audios,font size for text) Database Management System and Data iframe class="wp-embedded-content" sandbox="allow-scripts" security="restricted" style="position: absolute; clip: rect(1px, 1px, 1px, 1px);" src="https://phdessay.com/database-management-system-and-data/embed/#?secret=hoVkrIGbde" data-secret="hoVkrIGbde" width="500" height="282" title="#8220;Database Management System and Data#8221; #8212; Free Essays - PhDessay.com" frameborder="0" marginwidth="0" marginheight="0" scrolling="no"/iframe How to cite Summary Multimedia Database, Papers

Autism free essay sample

This paper discusses autism, a development disorder that inhibits communication and severely limits the development of a childs skills. The author describes the behavior and developmental problems of autistic children. This paper focuses on autistic children ages three to five, because this is the age when diagnosis and treatment begins. The paper states that Federal law requires that at age five, when the child is ready to begin kindergarten, the state of residence must provide the child, his/her parents and the school system with an individualized education plan. The paper discusses various treatment programs. Unfortunately, the newness of the condition hampers the diagnosis and treatment for children with autism. Autism itself has many varying severities, what might show up in one child might not show up in another. For this reason, autism is usually defined as a spectrum disorder, or one that can have symptoms in any combination with different levels. We will write a custom essay sample on Autism or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page While the symptoms usually begin in infancy, the true diagnosis usually occurs when the child is around age three. Several factors surrounding an infants birth can cause slower development as far as cognitive skills or verbal skills (i.e. premature, severe illness at birth), but around age three, most children seem to taper off to more defined skill-levels.

friendship Essays (351 words) - Friendship, Famous Essayist

Friendship is a feeling of love and affection of one person for another. This feeling of love must be reciprocated. Otherwise friendship cannot be possible. Friendship does not exist where tastes, feelings and sentiments are not similar. The famous essayist Bacon has warned against the friendship between a very rich person and a very poor person. Economic disparity damages friendship. Thus friendship is a feeling of affection between two likeminded persons of uniform status. It is said that a friend in need is a friend in deed. There may be many friends at the time of prosperity. But most of them desert at the time of adversity. We can examine the sincerity of a friend during our time of hardship and trouble. Only a sincere and faithful friend remains with us at the time of our trouble. All others leave us. It is very painful when our friends turn traitors. Money is an enemy of friendship. Everybody has an attraction for money. When lending or borrowing of money is done between two friends, there is great risk. Friendship may be affected. So it is wise for true friends to avoid monetary transaction. Vanity is another element which breaks friendship. Everybody has self-respect. When a person tries to criticise his friend, their friendship is affected. So friendship must be treated very delicately. Very often some hypocrites pretend to be friends. They are more dangerous than avowed enemies. By telling soft words they bring enormous ruin to us. A true friend never exploits. He rather surrenders. But at present, the meaning of friendship has changed. There are many fair-weathered friends. They terminate their friendly tie as soon as their interests are fulfilled. It is very difficult to find a true friend today. It is better to establish true friendship with either a dog or an elephant. Both these beasts will remain faithful to their human friends. Today, friendship between two persons is short-lived. Good friends exercise good influence. They always help their friends, in distress and inspire them to walk on the right path. But evil friends ruin us completely.

Why did revolutions break out so widely across Europe in 1848 and why did they fail Essays

Why did revolutions break out so widely across Europe in 1848 and why did they fail Essays Why did revolutions break out so widely across Europe in 1848 and why did they fail Paper Why did revolutions break out so widely across Europe in 1848 and why did they fail Paper Essay Topic: History In 1848, through a combination of long and short term causes, revolutions broke out across Europe, namely in France, Italy and Germany. The failure of the revolutions in Italy and Germany can be contrasted against the success of the revolution in France, where the existing Orleanist monarchys reluctance to assert its dominance against insurgents led to its downfall and republican success. In both Italy and Germany it can be argued that the respective leaders ability to affirm supremacy was never undermined and therefore the attempted revolutions were easily quashed and, for the most part, the old system of government reinstated. The revolutions in Germany, Italy and France were not directly linked as far as short-term causes are concerned. However, there are, to a certain extent, links in their long term causes. Europe endured hard times during much of the 1840s. A series of bad harvests culminating in the potato blight of 1845-46 brought widespread misery and some starvation. An economic depression added to the hardship, spreading discontent among the poor and the middle class alike. The view that the 1848 revolts were the result of not just one crisis but a combination of several is particularly supported by the French historian Ernest Labrousse1. These disasters brought about the need for constitutional change in line with the evolving social transformations of the time. The British had recognised and responded to this need for change much earlier because the industrial revolution was occurring much quicker in Britain than on the European mainland, save Belgium. The economic and social changes namely the rise in the educated middle classes necessitated some sort of amendment in legislation. This problem was never addressed in France and led to the rise in proposed alternative systems of government. In both Italy and Germany, uprisings were brought about by liberals demanding more freedom. In Germany, nationalists were inspired by the success of republicans in France. In Italy, liberals were stirred by the liberal concessions of the new pope, Pius IX and nationalists were roused by his seemingly sympathetic views to the anti-Austrian views in northern Italy. In order for a revolution to be successful, existing regimes need to be delegitimised, the existing regimes ability to use force needs to be subverted, a legitimacy for the new regime needs to be generated and a way of protecting this new legitimacy needs to be established. Existing regimes were successfully delegitimised in Germany (where it was argued that the existing order was not national or representative enough), Italy (where the common desire was to get rid of repressive Bourbon and foreign rule) and France (where republicans, legitimists and Bonapartists campaigned against Louis Philippes government). However, in both Italy and Germany, the existing administrations ability to use force was never undermined and this meant that the insurrections were able to be crushed. This can be contrasted with France where Louis Philippe suffered from lack of support from his national guard in critical moments. When it came to generating legitimacy for the new regime, the Italians and Germans were at a loss. Conflicting ideas and the fact that Piedmont was too weak to lead Italy in 1848 undermined Italian insurgents ability to create a legitimacy. In Germany, revolutionaries were unable to construct any accepted government or physical authority. Louis Philippe though faced problems in France since the Orleanist monarchy, in itself, was not a legitimate one2. In both Germany and Italy, revolutionaries were unable to defend themselves against the existing establishments and so were easily crushed. In France, revolutionaries were lucky that Louis Philippe decided to resign he could have, if he had truly desired, crushed the insurrections with force. It remains a mystery why he didnt. It is clear that the fact that Italian and German revolutionaries were too divided and disorganised, and that rulers in Italy and Germany too powerful to be overthrown ultimately led to the failure of both revolutions. In France, though, the existing regime was easily delegitimised and the lack of determination of the Orleanist monarchy to stay in power led to the success of the French revolution. The reasons why Revolution broke out in Italy are threefold and go back as far as 1846 with the election of the new pope, Pius IX. Within a month of being elected, Pius began to introduce reforms. He allowed political prisoners to return from exile, taxes were reduced and press censorship relaxed. These reforms made Pius seem, as Metternich put it, to be a liberal pope3 and sympathetic to the anti-Austrian cause in northern Italy. He became a national hero and was urged by Mazzini to lead the campaign for Italian rights. He then subtly attacked Austria by proposing a customs league modelled on the Prussian Zollverein, which would exclude Austrian held states, threatening an end to Austrian dominance of the Italian economy. These reforms prompted the leaders of Tuscany and Piedmont to follow suite. Charles Albert introduced a host of liberal ideas which prompted Sardinia to want to join Piedmont. This was a move to Italian unity which roused the hopes of nationalists, who now looked to completely eradicate Austrian rule. The second reason for revolution breaking out encouraged these nationalists even further. Civil war had broken it in Switzerland in 1847. By 1848, Switzerland had a new liberal constitution with guaranteed civil rights, popular democracy, and a say in economic, foreign and military affairs. The Italian nationalists looked on this as a lesson, since the Swiss had managed to throw off Austrian control and were now enjoying the fruits of their freedom. Thirdly, it was clear by 1848 that Austria was weak. Her ruler, Ferdinand I was partially insane and his government was becoming increasingly effective. Austrias concerns were focused on central and Eastern Europe and she looked on her two pieces of territory in Italy, Lombardy and Venetia, for taxes alone and therefore wasnt terribly keen on going out of her way to defend them4. These three factors encouraged nationalists that they could throw out Austrian rule and the tobacco boycott in Milan began, rather craftily, the revolutions. However, these revolutions were a failure for a number of inter-related reasons. Firstly, the opportunity presented by Austrian weakness which the nationalists pounced upon was only temporary and misleading. The resignation of Metternich left the Austrians only temporarily immobilised, and the restoration of royal power in Naples by Ferdinand II began on 17 May. Secondly the revolutionaries were hopelessly divided amongst themselves and failed to act together in order to protect the advances they had made. All had different ideas as to the future of Italy and their divisions made it easy for power to be reasserted. Thirdly, the Italians received no help, but active opposition from key European powers, namely France, who were itching to get a foothold in Italy and capitalised on the popes weakness and inability to control revolutionaries in the Papal States. The 1848 Italian revolution failed because there was never a coherent alternative legitimacy once the existing regimes had been delegitimised and the revolutionaries never had the capacity to protect their advances, as shown by the defeat of Charles Albert at Custoza. Though Germany was by no means a coherent nation in 1848 and events carried on independently in separate states, there was a common theme as to the reason why revolution broke out in 1848, and this was the upsurge of liberalism and the necessity for legislation change to accommodate liberal ideas. These liberal ideas were predominantly led by the expansion of educated middle classes, ambitious in their demands for freedom of action, political participation and a stronger national identity. The long term issues of agricultural and economic slumps were more of an issue in Germany than in Italy and were more applicable to the social unrest which brought about the revolutions. The economic pressures of the nineteenth centur y were particularly severe between 1845 and 1847. The acute agricultural crisis coincided with an industrial slump and Europes young industrial economies were unable to cope with the pressures of modernisation. There were three main factors which combined to cause the social movement against conservative governments. Firstly, social and economic hardships such as harvest failures had resulted in sudden, steep price rises. Wheat prices rose 51. 8% in Hamburg between 1841 and 1847, 70%of that rise coming after 1845. Secondly, the middle class exclusion from politics and power led to calls for liberal reforms. Those in the financial sector sought greater freedom to invest and expand; others sought a better society with more political participation. Thirdly, there was a growth in nationalist feelings, fed by issues like the Schleswig-Holstein question. In the short term, republican success on French soil encouraged rural violence and urban barricades, panicking governments into liberal concessions, which further encouraged revolutionaries to cause insurrection since they felt that they had governments on the defensive. Despite initial successes, the 1848 German revolution was ultimately a failure. The existing political order had been successfully de-legitimised as shown by the fall of Metternich and the granting of constitutions all over Germany, and the existing orders ability to enforce its will was successfully undermined by both the scale, and the speed at which protest happened, surprising leaders and preventing military response. However, the revolutionaries failed to establish a plausible, stable alternative legitimacy. The proposed alternative, the Frankfurt assembly never had broad and sufficient support6. The revolutionaries also failed to establish control over any means of enforcement. They were ultimately dependant on the armies of Prussia, Austria and other German states, which never accepted their authority. The 1848 German revolution failed because it effectively began to lose support by 1849, after initial success. The failure of the Frankfurt parliament to command any sort of respect invalidated the national cause and harkened the failure of the German revolution as a whole. The French revolution was different from the other two in that it was the only one that was successful. It was brought about more through combination of long term factors with a spark to set the actual revolution in motion, than with the amassment of short term factors. By 1848, when Louis Philippe had been forced to abdicate, his monarchy was well established. However, one might argue that its fall was inevitable he was not a legitimate king. He had not inherited the throne, and therefore could never say that he was king by divine right, the people had never been asked to express an opinion about his accession to power and he was not a military leader or the figurehead of a strong military group. The Orleanist monarchy was merely a useful compromise seized at by desperate property owners when they had feared for their future. 7 Thus Louis Philippes government was one that relied upon leadership that continued to inspire confidence in its supporters. However, it is here that Louis Philippes character came into play in undermining his own regime. By 1840 he had become increasingly reclusive and even stopped reviewing units of the National Guard. His public appearances became increasingly rare and became less effective in maintaining personal loyalties. This meant that by 1848, there were a number of organised groups in France constantly questioning the legitimacy and any scandal involving the Orleanist monarchy. These groups included the republicans, legitimists and Bonapartists. The republicans were the most widely supported and consisted of the low order republicans who believed it would lead to the rectification of the ills of poverty, and the high order republicans who were involved with a romanticised view of the republic set up by revolution. The legitimists consisted of those supporters of Charles X who had not rallied to Louis Philippe. They were not significant in terms of numbers, but rather in terms of how much damage they could cause by questioning every scandal. The Bonapartists supported the reinstatement of a Napoleonic empire and supported Louis Napoleon. Louis Philippe, therefore, was unfortunate in that there were a number of ready made alternative systems of government available. His unsuccessful foreign policy also lost the Orleanist monarchy support and many of his supporters began to look for alternatives that might do better. The governments reaction to the social changes going in France made unrest inevitable. Paris was growing rapidly and creating huge problems of poverty. Louis Philippes reaction was to claim that there was nothing he could do about it. 8 The incident which sparked off revolution was when troops fired on a fairly good-natured crowd, leaving eighty dead and wounded. This was exactly what republican leaders needed to anger and mobilise a majority in Paris. Lack of support from the National Guard rendered the king useless and on the 24th of February, he abdicated. Louis Philippe did not need to abdicate. He could have called in the army to quash rebellion had he wanted to. As Keith Randell puts it, the government was not overthrown, it was allowed to fall. The fact that revolutions were so widespread in Europe has led historians to look for common themes between the revolutions. The only common theme as to why revolution broke out in 1848 in Italy, Germany and France is the economic hardship of the 1840s. This economic hardship brought about problems which the existing regimes had to deal with. In France, the problems were simply ignored. In Germany and Italy, liberal concessions were made which only fuelled the desire for change in the hearts of revolutionaries. However, the lack of a common goal rendered the Italian revolution a failure, the lack of a respected alternative government rendered the German revolution a failure and the early resignation of Louis Philippe rendered the French revolution a success.

Choices and Decisions Enhancing Quality of Life Essay

Choices and Decisions Enhancing Quality of Life - Essay Example There has to be a proper arrangement of items in the environment so that it becomes presentable and lacking healthy hazards that can Habor diseases and other unwanted elements. Personal responsibility refers to the concept of people to having the ability to make choices, instigate or even cause their actions in different ways (Roth, 2005). When we make decisions that results in to certain actions and behavior, it is prudent that we can be legally liable or accountable for the outcomes. In this case, personal responsibility becomes different from the notion that human behavior and actions are brought about by factors beyond the control of the person himself (Pryor, 2010). It is important to note that all people have the ability to create an effective and reliable atmosphere where they can live harmoniously with other people. For this reason, it is important for people to understand that social power is something that I within everyone’s ability and control. In this understandin g, people are supposed to assume different levels of personal responsibility in order to have social power in the same way they places personal responsibility for political behavior (Greenfield, 2011). Many instances have been witnessed of people blaming the state of governance and social welfare in the community, while blaming it on the leaders in government, they always forget that it is their actions and choices in the voting process that placed them in power. This example illustrates the fact that people have to be responsible for their actions whether it is on the political, social or economic front. Personal responsibility is all about value creation, such that just as all values are personal so should be the decision to be responsible.

Critically appraise the contribution of Le Grand's knights, knaves, Essay - 1

Critically appraise the contribution of Le Grand's knights, knaves, pawns and queens framework to our understanding of r - Essay Example Those who were offered these services (and who were beneficiaries of welfare) became known as pawns, primarily because they were seen as passive participants in the whole process. They did not actively influence any happenings, and instead sat and waited for the knights to do everything for them. With time, however, (Le Grand mentions the period after 1979) this scenario changed after pawns realized that there were some knights who were not really knights at all (Le Grand 1995, pg. 151). They were more focused on their self-interests than the benefit of pawns, and, therefore, morphed into knaves. In addition to this, there was little that was knightly about paying taxes and supporting the less fortunate in the society. On the other hand, pawns came to be viewed as â€Å"queens†; they were supposed to be treated better, since in any market consumers are usually kings. In this paper, I will discuss and dissect Le Grand’s concept and weigh it against arguments which have b een against it by the likes of Welshman and others. I will also explore the influence that Le Grand’s framework has had on relationships between public authorities and organizations which provide public services paid for under contract or by vouchers. Key words: Knights, knaves, pawns, queens, Le Grand, Welshman. Analysis Welshman presented an argument that fell a little short of being labeled as an attack on Le Grand’s ideas. He (Welshman) argued that the concept of a cycle of deprivation (or transmitted deprivation) provided sufficient foundation for a demolition job on the knights, knave, pawns and queens notion. In his article, he presented important researches by Joseph, Coffield and others that supported his propositions. In truth, the whole point of Welshman’s argument was a firm grounding in the ability to provide viable alternate arguments against Le Grand’s ideas. For example, using Coffield’s research, a new concept of web deprivation wa s coined as a replacement for cycle of deprivation (Coffield, Robinson & Sarsby 1980, pg. 48). In essence, Welshman used the loopholes he identified in Le Grand’s arguments to develop an entirely new concept. A closer look at his article also reveals that he viewed Le Grand’s definition of people under welfare was too shallow and simplistic (although Le Grand had also suggested this in his proposition) (Welshman 2007, pg. 95) It is important to note that the knights, knaves, pawns and queens framework borrowed heavily from theories about public management (or organization studies, or political science, or indeed social science quite generally). In a traditional sense, public management was seen as more of calling than just a normal activity with the exception of being directly involved in public affairs. In the past, public servants were held in very high regard, and this is because they were considered to be custodians and trustees of public interests. This thought wa s supported by a reliance on the scholarly approaches to organizational studies, social science and political science. Over the years, this traditional perspective has been overtaken by other feasible approaches that have proved to be more than just alternatives (Berthoud 1976, pg. 103). These new approaches have supplanted the

Comparison Characters In The Scarlet Letter Literature Essay

Comparison Characters In The Scarlet Letter Literature Essay The Scarlet Letter is a classic, American novel written by renowned author, Nathaniel Hawthorne. The Scarlet Letter follows three characters, Hester Prynn, Reverend Dimmesdale, and Pearl. Nathaniel Hawthorne wrote the novel in 1850. The Scarlet Letter includes in his novel the infamous Christian view of sin and the knowledge that follows it. There are four dynamic characters that are featured in the The Scarlet Letter, Hester, her daughter, Pearl; her husband, Chillingworth; and the Reverend Dimmesdale. The Scarlet Letter is characteristic of the story of Adam and Eve because of the sin that was committed and desecrated the lives of those who were involved, as well as what would lead to the demise of their souls. The Scarlet Letter also has many of the symbolic details that are contained within the tale of Cain and Abel because of the sin that was committed, and how the A on the bosom of Hesters gown symbolized the mark of Cain. When we first meet Hester Prynn, she is a prisoner in a jail in the Boston, Massachusetts area during a time when puritans were the main population. The character of Hester is rather flat and non-dynamic. The reader is more aware of the sins that Hester committed, rather than who she is as one of the main characters in the book and what her place is. After her affair with the Reverend Dimmesdale, Hester is shamed by the community for her acts that are spread across the township. Hester is married to a man that she claims that she does not love, his name is Chillingworth. Hester is a very strong-willed woman and this is seen primarily through the first few chapters before she meets Chillingworth. After the alienation of Hester by society, Hester becomes more of an open-minded thinker. The happenings that happen to Prynn shape her into a more motherly figure for her daughter, Pearl, who is born after the tryst. Pearl is first introduced as the baby that is pressed against Hester when she emerges from the doorway. Pearl is an adolescent for most of the novel. The imperative fact about Pearl is her ability to instigate the mature figures of the story. She is able to capture the attention of her elders through means of bringing questions about, ones that are particularly direct and piercing. Pearl is always making the reader aware of the fact that her mother, Hester, has the letter that is embroidered on her gown and the fact that the people of the community and the market are emphasizing it. Ironically, in the latter part of the book, Pearl is the one that states the disappointment of Dimmesdale to admit his portion of the situation that caused the shame to be placed on Hester. Hawthornes characters names all have certain meaning to them. One of the best examples is that of Chillingworth, Roger Chillingworth. Roger is the husband of Hester, but as his name suggest, he is a very cold person that is void of warmth and comfort. For most of the time he is not affectionate towards his wife like a husband should be; although his wife was expected by him to be affectionate towards him. Chillingworth would be considered the antagonist of the novel. He is representative of forms of unacceptable knowledge. The last of the important characters is the Reverend Dimmesdale. Dimmesdale is the man that is involved in the tryst between him and Hester. The book states that the reverend was a very intelligent and educated man that had received his education from the prestigious Oxford University. After the affair that takes place, Hester takes all of the blame for the sin that they share. This is characteristic of the type of person that he his, and the highlight of his conscious of his soul. Being that the Reverend Dimmesdale is an important authority figure in the community, it isnt ever thought that someone in his position would commit such an act. In church, the crowds find his great speeches to be more of a metaphor or allegorical, rather than him expressing his discontent of the sin that he committed. The framework of his order inevitably hemmed him. As a man who had once sinned, but who kept his conscious all alive and painfully sensitive by the fretting, [.à ¢Ã¢â€š ¬Ã‚ ¦] but this had been a sin of passion, not of principle, nor even purpose (Hawthorne 180). Dimmesdale death is taken into many different directions by the people of the town. His confession before his death is seen as a form of one last sermon, although some believe that the death was a type of divine intervention. When Hester emerged from the prison, she had a beautifully embroidered letter A on the breast of her gown. This letter was the talk of the town when Ester made her way to market. Many people in the village and at the market were at shock and awed by this display that was centered on the bosom of Hesters gown. One thing that was most unusual of what happened at the market was the fact that people were more distracted at the attention to detail of the embroidering in her gown of the particular letter that was being displayed. Adam and Eve are part of the first story in The Bible, Genesis. Adam is created by god to be cast upon the Earth. Once Adam is on Earth, he is placed into a very deep sleep where God takes one of Adams ribs and created a woman with that particular rib. The woman was created and named Eve. Adam and Eve are one; they are created from one another, are part of one another, and are one flesh. Adam and Eve live in the Garden of Eden, a paradise on Earth. God created this place for Adam and Eve and said that it is theirs. The only thing that they were not allowed was to eat the forbidden fruit from the tree of the knowledge of good and evil. The one rule that Adam and Eve had promised God that they would obey was that one rule. It was the rule that would test their desires, and show their faith in God. God did, however, allow Satan to roam freely within this Garden of Eden. In the story of Adam and Eve, Satan takes the form of a snake and entices them to eat the fruit that has been forbidde n by God. Once they ate the fruit, the original sin had been committed. This is the part where they lose their innocence and obtain fig leaves to cover their genitals. This sin leads to the banishment of Adam and Eve, by God, from the Garden of Eden [1]. Hawthornes word choice that is used to symbolize the sin between Hester and Dimmesdale, also symbolizes the sin that took place between Adam and Eve. But there is a fatality, a feeling so irresistible and inevitable that it has the force of doom, which [à ¢Ã¢â€š ¬Ã‚ ¦] the spot where some great and marked event has given the color to their lifetime; and [ the darker the tinge that saddens it (Hawthorne 83). The fatality could be seen as Satan, who was in the form of a snake in The Garden of Eden, snakes are poisonous which is another word for fatal. It could also be seen as symbolizing one of the deadly sins, lust. He then continues on to state that sins that are committed are not without the conscious knowing. That even when a sin is committed, and the sinner is the only one that is aware, the conscious will still know what happened, and a feeling of guilt will ensue. Hawthorne makes reference of the fig leaves that are in the story of Adam and Eve by using a metaphor in the form of a glove. Satan dropped it there; I take it intending a scurrilous jest against your reference. But, indeed he was blind and foolish, as he ever and always is. A pure hand needs no glove to cover it (Hawthorne 143). As previously stated, after the sin of Adam and Eve was committed, their genitals were then covered by fig leaves to signify that their innocence had been lost. By stating that a pure hand doesnt need a glove is referencing the fact of the nature between Hester, Dimmesdale, Adam and Eve were very similar in nature. By stating that something was placed by Satan, he is making a reference to the Garden of Eden and the fruit, because of the fact that God allowed Satan to roam freely in and around the Garden of Eden to tempt the couple that was staying there at the time. Hawthorne was a man of god, not as a preacher or a reverend, but rather a follower of Jesus Christ. One of the most infamous stories in The Bible is the story of Cain and Abel. Cain and Abel were brothers and the offspring of Adam and Eve. Cain and Abel were the first two humans to be born via conception and delivery, rather than being created by God as their parents were. They were born after Adam and Eve were banished from the Garden of Eden. Cain was a gardener who worked the ground, and Abel was a shepherd. Later on, the time came for Cain and Able to present their offering to God. Both brothers brought their contribution to God. Abel, being a shepherd brought some of the finest creatures in his flock. Cain, on the other hand, brought something that was very average and barely satisfactory. Cain had every option to present something that was of much better quality than what he chose to do, but it is speculated that he assumed that God would not know the difference and be obliviou s to his offerings. However, God did notice the difference and accepted Abels offering and rejected Cains offering. As with any siblings that are not granted the same thing, jealousy developed. Cain let his rage become anger and let it grow out of control. This led Cain to eventually murder his brother Abel. God was furious with Cain for the deed in which he had done. God made Cain aware that for the death of his brother, he was going to bestow a mark on him that was going to make the people aware of the deed that he had done. This was forever known as the mark of Cain. It is unknown what the mark of Cain was, specifically, but it has been speculated that the mark was placed on Cains forehead [2]. Many of Hawthornes works have many meanings that can be debated to the point where there are many possibilities. It was explained that the embroidered A on Hesters bosom stood for adulterer, however there is more meaning behind it. Hester had had an affair with the reverend. The affair took place before Hester was married. Therefore, it by definition was not an act of adultery on her part, but it was however a sin. They would have not placed an A for adultery on a person who wasnt an adulterer, but rather as a form of symbolism. As mentioned above, the mark of Cain was a way to symbolize that a sin had been committed. Although the sins were not the same in severity, they were however sins. Ah, but let her cover the mark as she will, the pang of it will be always in her heart [à ¢Ã¢â€š ¬Ã‚ ¦.] What do we talk of marks and brands whether on the bodice of her gown, or the flesh of her forehead (Hawthorne 49). The A of Hesters gown was Hawthornes way of placing emphasis on the mark of Cain and that A rather than standing for Adultery, could have stood for something relevant to the mark, such as that of Abel. It has been speculated and debated by religious and Christian scholars that the mark, given to Cain by God, was located on Cains forehead. If you will note the reference above, there is a direct statement that mentions branding a persons forehead. Hawthornes literature collection can be taken many ways by many different people that read his stories. This particular book bares reference to the strict by laws that governed the puritanical society that controlled and undermined the citizens of a particular region within a young United States. With this book being based off of a puritanical platform of belief, there are going to be many references to The Bible, which is the greatest book that has ever been published. Puritans were extremely grounded on the foundations of that particular book. One of the most well known stories that come forth from The Bible is the story of Adam and Eve and the original sin that they committed. Also, you will find many references to the story of Cain and Abel, the sons of Adam and Eve, which are conflicted by jealousy, and Cain is given a mark by God for sinning on his brother. Hawthornes characters that are featured in this particular literary work mirror those infamous characters that are feature d in The Bible; characters that were well known in the community of that particular time and place in history. Work Cited Hawthorne, Nathaniel.  The Scarlet Letter. New York, New York: Bantam Books, 2003. Print.

Hdfc Bank Essay

The first modern bank was founded in Italy in Genoa in 1406, its name was Banco di San Giorgio (Bank of St. George). Many other financial activities were added over time. For example banks are important players in financial markets and offer financial services such as investment funds. In some countries such as Germany, banks are the primary owners of industrial corporations while in other countries such as the United States banks are prohibited from owning non-financial companies. In Japan, banks are usually the nexus of cross share holding entity known as zaibatsu. In France â€Å"Bancassurance† is highly present, as most banks offer insurance services (and now real estate services) to their clients. 1.2 DEFINITION: The definition of a bank varies from country to country. Under English law, a bank is defined as a person who carries on the business of banking, which is specified as: †¢ Conducting current accounts for his customers †¢ Paying cheques drawn on him, and †¢ Collecting cheques for his customers. 1.3 OBJECTIVE OF THE STUDY: The Objective of this on the job training is to study the importance of the potential customers and their value to the bank and creating the awareness among them about the importance of current accounts and keep a good relationship with them for the bank’s benefit. 1.4 ORIGIN OF THE BANK: The name bank derives from the Italian word banco â€Å"desk/bench†, used during the Renaissance by Florentines bankers, who used to make their transactions above a desk covered by a green tablecloth. However, there are traces of banking activity even in ancient times. In fact, the word traces its origins back to the Ancient Roman Empire, where moneylenders would set up their stalls in the middle of enclosed courtyards called macella on a long bench called a bancu, from which the words banco and bank are derived. As a moneychanger, the merchant at the bancu did not so much invest money as merely convert the foreign currency into the only legal tender in Rome- that of the Imperial Mint. 1.5 PRESENT STATUS OF THE BANK: Worldwide assets of the largest 1,000 banks grew 15.5% in 2005 to reach a record $60.5 trillion. This follows a 19.3% increase in the previous year. EU banks held the largest share, 50% at the end of 2005, up from 38% a decade earlier. The growth in Europe’s share was mostly at the expense of Japanese banks whose share more than halved during this period from 33% to 13%. The share of US banks also rose, from 10% to 14%. Most of the remainder was from other Asian and European countries. . The US had by far the most banks (7,540 at end-2005) and branches (75,000) in the world. The large number of banks in the US is an indicator of its geography and regulatory structure, resulting in a large number of small to medium sized institutions in its banking system. Japan had 129 banks and 12,000 branches. In 2004, Germany, France, and Italy had more than 30,000 branches each—more than double the 15,000 branches in the UK. 1,6 FUTURE OF THE BANK : The future is integration as people will have less time for banking. People will want to process more transactions on the Internet. There will be more activity in terms of applications and services on the mobile. Geography will not be an inhibitor any more as everything is executable on the Net. â€Å"Integration is the next real big thing. As a customer you will want a one-stop shop that will take care of all your needs. For instance people will want to buy their mutual funds, redeem their mutual fund, buy insurance policies, renew policies, buy cinema tickets, railway tickets, and numerous similar transactions through the bank. The ATM will still serve as a cash dispensing medium, but the Internet and mobile will be very active†. [pic] 2.1 ORIGIN OF THE ORGANIZATION : H.D.F.C was set up on 17th October, 1977 by I.C.I.C.I. out of the consideration that a specialized institution was needed to channel household savings as well as funds from the capital market into the housing sector. H.D.F.C. has emerged as the largest mortgage finance institution in the country. The main objective of H.D.F.C. is to develop significant expertise in retail mortgage loans to different market segments and to have a large corporate client base for its housing related credit facilities. The main aim of H.D.F.C. is to support or aid in the promotion of home ownership. H.D.F.C. is India’s leading housing finance company and for all practical purposes is synonymous with the domestic housing finance industry. The primary objective of H.D.F.C is to enhance residential housing stock and promote home ownership. One of its major objectives is to increase flow of resources for housing through the integration of housing financial institutions with the domestic market. H.D.F.C. has developed a strong market reputation large shareholder base and unique consumer franchise. H.D.F.C. is India’s premier housing finance company in India as well as in international markets. It has maintained a consistent and healthy growth in its operations to remain the clear market leader in mortgages in India. The company has been constantly engaged into innovation and innovative practices since its birth. 2.2 GROWTH AND DEVELOPMENT OF THE ORGANIZATION: HDFC Bank reported a 43 percent growth in net profit at Rs.75.5 crore for the third quarter ended December 31, 2001, as against Rs 52.8 crore in the corresponding quarter previous fiscal. The jump in net profit was primarily due to other income which almost doubled to Rs 85.5 crore from Rs 47.5 crore. Speaking to analysts at a conference call today, January 15, 2002, Paresh Suthankar, head – credit risk and investments, reiterated the bank’s earlier guidance of a 25-30 per cent compounded annual growth rate (CAGR) in its top line for the next two to three years. The bank does not see any reason to revisit its guidance and stands by it. It expects the projections to hold true as long as the market environment is relatively stable and does not move to an extreme of either a boom or a total bottoming out. The bank is open to acquisitions as a vehicle of growth, but any growth via acquisitions would be over and above its projected growth rate of 25-30 per cent. At present, it is not working on any deal but there are acquisition prospects in the Indian scene, giving rise to opportunities for inorganic growth. The bank’s exposure to capital markets is around 6-7 per cent, against the Reserve Bank of India (RBI) norms of 5 per cent. The bank expects to bring it down to within the stipulated limit by the end of this fiscal. The bank has made a lot of headway in its retail thrust with retail accounts going up to 1.9 million from 1.4 million a year back. The branch network now stands at 147 outlets in 63 cities and the ATM network at 360 compared to 231 ATMs as on March 31, 2001. The debit card base is at six lakh. On the advances side, car loans have really picked up and now form almost 50 per cent of the total retail advances, with the remaining being accounted for by loan against securities and other loans. In fact in case of car loans, the bank now covers around 30 cities against just eight-nine a year back. 2.3 PRESENT STATUS OF THE ORGANIZATION: HDFC Bank Limited provides various financial products and services. It operates in three segments: Personal Banking, NRI Banking, and Wholesale Banking. The Personal Banking segment provides savings, and current and fixed deposit accounts. It also offers personal, home, two wheeler, new car, used car, gold, education, healthcare, commercial vehicle, working capital, construction equipment, and warehouse receipt loans. In addition, this segment provides safe deposit lockers; credit, debit, and prepaid cards; mutual funds, general and health insurance, bonds, and equities and derivatives products; and forex and payment services. The NRI Banking segment’s deposit products include rupee savings accounts, rupee current accounts, rupee fixed deposits, foreign currency deposits, and accounts for returning Indians. Its loan products comprise home loans, loans against securities, loans against deposits, and gold credit cards. The Wholesale Banking segment offers funded services, which consist of working capital finance, short term finance, bill discounting, and export credit; and non-funded services, such as letters of credit, bank guarantees, and collection of documents to corporations, and small and medium enterprises. It also various services to banks, financial institutions, mutual funds, stock brokers, insurance companies, commodity businesses, and trusts. As of March 31, 2008, it had a network of 761 branches and 1,977 automated teller machines in 327 cities in India. [pic] 2.4 FUNCTIONAL DEPARTMENT OF THE ORGANIZATION: HDFC Bank Limited is located in New Friends Colony, New Delhi. This organization Includes functional departments as follows: 1. Current Account Department 2. Saving Account Department 3. Trade Department 4. Salary Department 5. Cash Department 6. Demat Account Department 2.5 ORGANIZATION STRUCTURE AND CHART: [pic] 2.6 PRODUCT AND SERVICE PROFILE OF THE ORGANIZATION: HDFC Bank mainly provides three kinds of banking services: †¢ Personal Banking †¢ NRI Banking †¢ Wholesale Banking The following are the products and services provided by the HDFC bank HDFC Bank provides loans like Personal Loans , Home Loans , Educational Loans , Two Wheeler Loans , New car Loans, Used Car Loans, Overdraft Against Car, Express Loans, etc. HDFC Bank provides Credit, Debit and Prepaid Cards to help you meet your financial objectives. HDFC Bank provides facilities like Mutual Funds, Insurance, General & Health Insurance, Bonds, Financial Planning, Knowledge Center, Equities & Derivatives, and Mudra Gold bar. If you need to deal in foreign currency and keep tabs on exchange rates every now and then, transfer funds to India, make payments etc., HDFC Bank has a range of products and services that you can choose from to transact smoothly, efficiently and in a timely manner. With HDFC Bank’s payment services, you can bid goodbye to queues and paper work. HDFC’s range of payment options make it easy to pay for a variety of utilities and services. HDFC Bank provides many typ es of accounts like: †¢ Saving Account †¢ Current Account †¢ Demat Account †¢ Salary Account HDFC Bank has designed two programs to make banking easier for the customers and they are †¢ HDFC Bank Preferred Programme †¢ HDFC Bank Classic Programme. HDFC Bank offers Private Banking services to high net worth individuals and institutions. HDFC Bank offers you quick, economical and convenient options to remit and transfer funds to India. Corporate Banking reflects HDFC Bank’s strengths in providing our corporate clients in India, a wide array of commercial, transactional and electronic banking products. HDFC Bank acts as an active medium between the government and the customers by means of various services. 2.7 CURRENT ACCOUNT IN DETAIL: Features & Benefits: [pic]Free Account to account funds transfer between HDFC Bank accounts Free payment and collection through RTGS. Free payment and collection using NEFT (through Net banking) Free up to 50 Demand Drafts per month and can be issued from any HDFC Bank Branch Free up to 50 Pay Orders (PO) per month and can be issued from any HDFC Bank Branch. Free anywhere collection & payment transactions (clearing) within HDFC Bank branch network (except Dahej), up to Rs.100 lacs per month. Convenience to withdraw & deposit cash at all our branches* Free 300 â€Å"At Par† cheques leaves per month. Register for InstaAlert service and receive updates on your account as and when the select transaction happens – all this without visiting the branch or ATM! HDFC Bank offers you Doorstep Banking*, a channel, which is convenient, secure and hassle-free. Now, you can enjoy the benefits of banking right at your doorstep. The Bank will arrange to render the services like Cash & Cheque Pickup and Cash Delivery, through a reputed agency. Enjoy facilities like 24-hour Phone Banking, Net Banking and Mobile Banking that helps you check your balance & transaction details, find out the status of your cheque or stop cheque payment. Fees & Charges for Plus Current Account: Minimum Balance (Average Quarterly Balance)—————-Rs. 100,000/- Non-Maintenance Charges per quarterCharge of Rs.6,000/- per quarter, if AQB is less than Rs.50,000/- Charge of Rs.1, 500/- per quarter, if AQB is less than Rs. 100,000/- but > = Rs. 50,000/- Cheque Book Charges (Issued by Bank)——-Payable-at-par Free 300 cheques leave per month. Charges Rs 2/- per leaf beyond 300 leaves Remittance facility through own Bank: Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DDFree up to 50 DDs per month. Above 50 transactions, charges @ Rs. 25/- per Demand draft Pay Orders (PO) – on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO Free up to 50 POs per month. Above 50 transactions, charges @ Rs. 25/- per Pay-order Issuance of DD/ PO through Phone BankingAll standard charges for DD / PO are applicable as above. Only DD / PO amount up to Rs 500,000/- are accepted at Phone banking. DD/PO-Cancellation/RevalidationRs.50/- per instrument NEFT/EFT Transactions: Payments————-Free Collections————Free RTGS Transactions: Payments————-Free Collections————Free Local Transactions (At home branch location) : Local cheques collections & payments—————————————Free Account to Account Fund Transfer within HDFC Bank- —————–Free Anywhere Transactions (except Dahej) Account to Account Fund Transfer within HDFC Bank-Free Payments & Collections at HDFC Bank Locations-Free up to Rs.100 lacs per month, beyond which charges @ Rs. 0.50/1000, min Rs. 25 Bulk Transaction ChargesAll transactions are subject to a maximum of 250 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anyhwere clearing and transfer transactions Remittance facility through other Bank: Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tieup)Rs.2.00 per Rs.1000/- Minimum Rs.50/- DD-Cancellation / Revalidation—-Rs.50/- per instrument Cheque Collection: Outstation through own bank——Collection: Free, only courier charges of Rs 20 per instrument Outstation through another bank (Correspondent bank locations) : Rs.4/- per Rs.1,000/-, min Rs.50/-For Clean locations (non-correspondent bank locations) & Non-MICR Cheques: Rs.6.5/- per Rs.1,000/-, min Rs 50 (inclusive of courier charge of Rs 25) Cash Transactions : 1. Cash Deposit Cash Deposit-Home Branch Location—-Free up to Rs.10 lacs per month or 50 transactions which ever is lower, Deposit in excess of Rs.10 lacs or 50 transactions will be charged @ Rs.2/- per Rs.1,000/-, minimum Rs.50/-. (Cash deposit at non-home branches within home-branch city subject to limit of Rs.100, 000/- per account per day) Cash Deposit -Non Home location——–Maximum Rs.100, 000/- per day. Charges @ Rs. 3/1000, min Rs. 50 2. Cash Withdrawal Cash Withdrawal-Home Branch—Free at Home Branch Cash Withdrawal-Non Home Branch-Intercity & Intracity——Free up to Rs.50,000/- per day, beyond which charges @ Rs.2/1000, min Rs.50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs. 50,000/- per transaction. Features & Benefits [pic]Free Account to account funds transfer between HDFC Bank accounts. Free RTGS/NEFT Transactions. Free up to 30 Demand Drafts (DD) per month and can be issued from any HDFC Bank Branch. Free up to 30 Pay Orders (PO) per month and can be issued from any HDFC Bank Branch. Free anywhere collection & payment within HDFC Bank branch network (except Dahej), up to Rs.50 lacs per month. Convenience to withdraw & deposit cash at all our branches* Free 200 â€Å"At Par† cheque leaves per month. Register for InstaAlert service and receive updates on your account as and when the select transaction happens – all this without visiting the branch or ATM! Fees & Charges for Trade Current Account [pic]Description of Charges Minimum Balance (Average Quarterly Balance) ——-Rs. 40,000/- Non-Maintenance Charges per quarter———Charge of Rs.1,200/- per quarter, if AQB is less than Rs.40,000/- Cheque Book Charges (Issued by Bank) ———-Payable-at-par 200 cheques leave Free per month. Charges Rs 2/- per leaf beyond 200 leaves Remittance facility through own Bank Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DD Free up to 30 DDs per month. Above 30 transactions, charges @ Rs. 25/- per Demand draft Pay Orders (PO) – on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO Free up to 30 POs per month. Above 30 transactions, charges @ Rs. 25/- per Pay-order Issuance of DD/ PO through Phone Banking All standard charges for DD / PO are applicable as above. Only DD / PO amount up to Rs. 500,000/- are accepted at Phone banking. DD/PO-Cancellation/Revalidation——————-Rs.50/- per instrument NEFT/EFT Transactions: Payments————————Free Collections———————–Free RTGS Transactions : Payments————————Free Collections———————–Free Local Transactions (At home branch location) Local cheques collections & payments————————————-Free Account to Account Fund Transfer within HDFC Bank —————-Free Anynhwere Transactions (except Dahej) Account to Account Fund Transfer within HDFC Bank——————Free Payments & Collections at HDFC Bank Locations———————Free up to Rs.50 lacs per month, beyond which charges @ Rs. 0.50/1000, min Rs. 25 Bulk Transaction Charges All transactions are subject to a maximum of 150 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anywhere clearing and transfer transactions. Remittance facility through other Bank Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up) —–Rs.2.00 per Rs.1000/- Minimum Rs.50/- DD-Cancellation / Revalidation————————————-Rs.50/- per instrument Cheque Collection Outstation through own bank————–Rs. 0.50/1000, min Rs. 25 per instrument Outstation through another bank———-Correspondent bank locations: Rs.4/- per Rs. 1, 000/-, min Rs.50/-For Clean locations (non-correspondent bank locations) & Non-MICR Cheques: Rs.6.5/- per Rs.1,000/-, min Rs 50 (inclusive of courier charge of Rs 25) Cash Transactions 1. Cash Deposit Cash Deposit-Home Branch Location Free up to Rs.5 lacs per month or 40 transactions which ever is lower, Deposit in excess of Rs.5 lacs or 40 transactions will be charged @ Rs.2/- per Rs.1,000/-, minimum Rs.50/-. (Cash deposit at non-home branches within home branch city subject to limit of Rs. 50,000/- per account per day) Cash Deposit -Non Home location Maximum Rs.50, 000/- per day. Charges @ Rs. 3/1000, min Rs. 50 2. Cash Withdrawal Cash Withdrawal-Home Branch Free at Home Branch Cash Withdrawal-Non Home Branch-Intercity & Intracity Free cash withdrawals up to Rs.50, 000/- per day, beyond which charges @ Rs.2/1000, min Rs.50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs. 50,000/- per transaction. HDFC Bank Trade offers you a host of features that sets it apart from regular Current Accounts that most banks offer. They are: Free inter-city clearing between HDFC Bank branch locations (except Dahej) up to Rs.50 lakhs per month. Free Accounts to account funds transfer between HDFC Bank accounts, inter-city. Free up to 30 Pay-orders per month. Free up to 30 demand-drafts per month. Free RTGS & NEFT Transactions. Features & Benefits Free anywhere collection & payment within HDFC Bank branch network (except Dahej), up to Rs.25 lacs per month, incremental amount to be charged @ Rs.1.50 per Rs.1,000/-, min Rs.25/- Free NEFT Transactions. Free RTGS collection. RTGS payment @ Rs.100/- per transaction. Inter-city Account to accounts funds transfer between HDFC Bank accounts at a nominal charge of Rs.15/- per transactions. Free Demand Drafts (DD) above Rs.100,000/-. Demand drafts up to Rs.50,000/- at flat cost of Rs.40/-. DDs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- and can be issued from any HDFC Bank Branch . Free Pay Order (PO) above Rs.100,000/-. Pay Order up to Rs.50,000/- at flat cost of Rs.40/-. POs above Rs.50,000/- & up to Rs.100,000/- at nominal cost of Rs.25/- and can be issued from any HDFC Bank Branch . Free 100 â€Å"At Par† cheque leaves per month Register for InstaAlert service and receive updates on your account as and when the select transaction happens – all this without visiting the branch or ATM! Fees & Charges for Premium C/A Description of Charges Minimum Balance (Average Quarterly Balance) ————————-Rs. 25,000/- Non-Maintenance Charges per quarter—————————–Charge of Rs.900/- per quarter, if AQB is less than Rs.25, 000/- Cheque Book Charges (Issued by Bank) Payable-at-par————————100 cheques leaves Free per month. Charges Rs 2/- per leaf beyond 100 leaves Other Current Account facilities Issue of Duplicate / Adhoc Statement Branch: Rs 100/- per statement * Phone Banking: Rs 50/- per statement (Non IVR) and Rs 30/- per statement (IVR) Net Banking: Rs 30/- per statement ATM & Mobile Banking: Rs 50/- per statement. Mode of calculation of minimum average quarterly balance Average of daily closing balances of each day spread over a period of three months. Remittance facility through own Bank Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DD DD Amount Up to Rs. 50,000 charges Rs. 40/- per DD, Above Rs. 50,000 and up to Rs. 100,000- Rs. 25/-, Above Rs. 100,000- Free Pay Orders (PO) -on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO PO amount Up to Rs. 50,000 charges Rs. 40/- per PO, Above Rs. 50,000 and up to Rs. 100,000 – Rs. 25/-, Above Rs. 100,000- Free Issuance of DD/ PO through Phone Banking: All standard charges for DD / PO are applicable as above. Only DD / PO amount up to Rs 500,000/- are accepted at Phone banking. DD/PO-Cancellation/Revalidation———————————Rs.50/- per instrument NEFT/EFT Transactions: Payments————————Free Collections———————-Free RTGS Transactions: Payments———————–Rs. 100/- per transaction Collections———————-Free Local Transactions (At home branch location) Local cheques collections & payments—————————-Free Account to Account Fund Transfer within HDFC Bank ——-Free Anywhere Transactions (except Dahej) Account to Account Fund Transfer within HDFC Bank Rs.15/- per transaction Payments & Collections at HDFC Bank Locations Free up to Rs. 25 lacs per month, Charges at Rs.1.50/1000, min Rs. 25 Bulk Transaction Charges: All transactions are subject to a maximum of 100 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anywhere clearing and transfer transactions. Remittance facility through other Bank: Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up) ——-Rs.2.00 per Rs.1000/- Minimum Rs.50/- DD-Cancellation / Revalidation————————————-Rs.50/- per instrument Cheque Collection: Outstation through own bank Rs.2.50 per Rs.1, 000/- for Cheques drawn on HDFC Bank Locations, min Rs. 50 per instrument. Outstation through another bank Correspondent bank locations: Rs.4/- per Rs.1, 000/-, min Rs.50/-For Clean locations (non-correspondent bank locations) & Non-MICR Cheques: Rs.6.5/- per Rs.1, 000/-, min Rs 50 (inclusive of courier charge of Rs 25) Cash Transactions 1. Cash Deposit Cash Deposit-Home Branch Location Free up to Rs.3 lacs per month or 25 transactions which ever is lower, Deposit in excess of Rs.3 lacs or 25 transactions will be charged @ Rs.2/- per Rs.1,000/-, minimum Rs.50/-. (Cash deposit at non-home branches within home branch city subject to limit of Rs. 25,000/- per account per day) Cash Deposit -Non Home location Maximum Rs.25, 000/- per day. Charges @ Rs. 3/1000, min Rs. 50 2. Cash Withdrawal Cash Withdrawal-Home Branch———————————-Free at Home Branch Cash Withdrawal-Non Home Branch-Intercity & Intracity Free cash withdrawals up to Rs.25,000/- per day, beyond which charges @ Rs.2/1000, min Rs. 50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs.50,000/- per transaction. With HDFC Bank Flexi Current Account your Cash Deposit and Anywhere Transaction limits are a multiple of the balance you maintain in your Current Account. So, during peak seasons, you get the benefit of higher transaction limits due to the higher average balances maintained in your account. What’s more, during lean seasons, you need not bother about maintaining huge balances to enjoy high transaction limits, which you anyway may not need. Flexi Current Account requires you to maintain a minimum Average Monthly Balance (AMB) of just Rs. 75,000. Features & Benefits Enjoy dynamic free limits on Intercity Payments, Collections & Funds Transfer as well as Cash Deposit at home location branches based on the AMB maintained* For example, you maintain an AMB of Rs.2,00,000/- in a particular month. Your dynamic free transaction limits for that month would be as per the following table: [pic] Transaction—————————————Dynamic Free Limits* Cash Deposit at Home Branch Location Anywhere Payments, Collections & Funds Transfer (except Dahej) Free up to Rs.1, 00, 00,000/- in that particular month Pay your vendors on a real time basis using Real Time Gross Settlement (RTGS) available across 23,000 Bank Branches*. What’s more, payments and collections through RTGS are completely free! Make and receive remittances to & from your vendors & customers across 20,000 + Bank Branches of more than 50 Banks through Net Banking using National Electronic Fund Transfer (NEFT), Absolutely Free! Free 40 Demand Drafts & Free 40 Pay Orders issued from any HDFC Bank Branch* Convenience to withdraw and deposit cash at all our branches*. Competitive pricing on Demand Drafts drawn on Correspondent Banking Locations as well as Outstation Cheque Collection at HDFC Bank Locations InstaAlert service – receive updates on your account as and when the select transaction happens – all this without visiting the Branch or ATM! The top position is always the coveted position. With the Apex current account, take your business to a new high. On maintaining an average quarterly balance of Rs. 10 lakhs, this account makes sure you make the most of every business opportunities coming your way. Unlimited, free, anywhere Banking experience at the APEX is reserved for you. Features & Benefits Maximum transactional benefits with faster mobilization of funds Average quarterly balance requirement of Rs. 10, 00,000/- Access to more than 750 branches Huge cost savings in inter-city transactions for payable-at-par cheque issuance, funds transfers, NEFT, RTGS or Demand Draft / Pay Order Faster collection of outstation cheques Free Intercity Cheque Collection & Payments within HDFC Bank Network (excluding Dahej). Free Account to Account funds transfer between HDFC Bank accounts. Free payment and collection through RTGS Free payment and collection using NEFT (through NetBanking) Free Demand Drafts which can be issued from any HDFC Bank branch Free Pay Orders which can be issued from any HDFC Bank branch Convenience to withdraw and deposit cash at all our branches* Free Cash Deposit up to Rs. 100 lacs per month across all home branches (subject to a maximum of 50 transactions per month and a per day limit of Rs.1,00,000/- on cash deposit at a non home branch) Choice of local / Payable at Par Cheques. Free 500 leaves per month Register for InstaAlert service and receive updates on your account as and when the select transaction happens – all this without visiting the branch or ATM! . Fees and Charges for Apex Current Account:[pic] Minimum Balance (Average Quarterly Balance)Rs. 10, 00,000/- per quarter Non-Maintenance Charges per quarter:Charge of Rs.5,000/- per quarter if AQB is less than Rs.10,00,000 but greater than or equal to Rs. 5,00,000/-; Rs.10,000/- per quarter if AQB is less than Rs. 5,00,000/- Cheque Book Charges (Issued By Bank) ——–Payable-at-par 500 cheque leaves free per month. Charges Rs 2/- per leaf beyond 500 leaves Other Current Account Facilities Issue of Duplicate / Adhoc StatementRs. 100 at Branch, Rs. 30 per statement through Net Banking and Phone Banking (IVR), Rs. 50 per statement through Phone Banking (non-IVR), ATM and Mobile Banking Mode of calculation of minimum average quarterly balanceAverage of daily closing balances of each day spread over a period of three months Remittance facility through own Bank Demand Drafts (DD) Payable at HDFC Bank Locations (Issued from Any branch)/ Duplicate DDFree without limit Pay Orders (PO) – on HDFC Bank Location (Issued from Any branch)/ Duplicate PO Free without limit Issuance of DD / PO through Phone Banking————-Free without limit Only DD amount up to Rs. 5, 00,000 for Current Apex Account holders accepted at Phone Banking DD/PO-Cancellation/Revalidation———Rs.50/- per instrument NEFT/EFT Transactions: Payments————-Free Collections————Free RTGS Transactions: Payments————-Free Collections————Free Local Transactions (At home branch location) Local cheques collections & payments——————————Free Account to Account Fund Transfer within HDFC Bank———-Free Anywhere Transactions (except Dahej) Account-to-Account Fund Transfer within HDFC Bank—————————Free Clearing Transactions-Collections &Payment at HDFC Bank locations—-Free Bulk Transaction Charges: All transactions are subject to a maximum of 500 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anywhere clearing and funds transfer transactions. Remittance facility through other Bank Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up)———-Free up to Rs 15 Lacs per month, beyond which charges of Rs. 1.50 per 1000, Minimum Rs. 50/- per instrument DD-Cancellation / Revalidation————-Rs.50/- per instrument Cheque Collection Outstation Cheque collection on HDFC Bank Locations—————-Free Outstation Cheque Collection on non-branch locationsCorrespondent bank locations: Rs.3/- per Rs.1, 000/-, min Rs. 50/-. For Clean locations (non-correspondent bank locations) & non-MICR cheques: Rs 4.5/- per Rs 1000/-, min of Rs 50 per transaction (includes courier charges) Cash Transactions 1. Cash Deposit Cash Deposit-Home Branch CityFree up to Rs. 100 Lakh per month or 50 Transactions whichever is lower. Deposit in excess of Rs. 100 Lakh per month or 50 transactions will be charged @ Rs.1/- per Rs. 1000/-, minimum Rs.50/-. (Cash deposit at non- home branches within home branch city subject to limit of Rs.1,00,000/- per account per day) Cash Deposit – Non Home Branch City Charges @ Rs 3 per Rs 1000/-, minimum of Rs 50 per transaction. (Maximum deposit allowed up to Rs 1, 00,000/- per day) 2. Cash Withdrawal Cash Withdrawal-Home Branch———–Free. Cash Withdrawal-Non Home Branch-Intercity & IntracityFree cash withdrawals up to Rs.2,00,000/- per day, beyond which charges @ Rs. 2/- per Rs.1000/-, min Presenting maximum benefits and minimum hassles for you with Max Current Account! With a Rs. 5 lakhs average quarterly balance requirement, we present to you a world of privileges that helps your business expand and grow. Features like maximum free transaction limits including other beneficial features on this current account truly enhances your business potential to the Maximum. Features & Benefits Maximum transactional benefits with faster mobilization of funds Average quarterly balance requirement of Rs. 5, 00,000/- Access to more than 750 branches Huge cost savings in inter-city transactions for payable-at-par cheque issuance, funds transfers, NEFT, RTGS or Demand Draft / Pay Order Faster collection of outstation cheques: Free Account to Account funds transfer between HDFC Bank accounts Free payment and collection through RTGS Free payment and collection using NEFT (through Net Banking) Free Demand Drafts which can be issued from any HDFC Bank branch Free Pay Orders which can be issued from any HDFC Bank branch Free anywhere collection & payment (clearing) up to Rs. 5 Crore per month within HDFC Bank branch network (except Dahej) Convenience to withdraw and deposit cash at all our branches* Free cash deposit up to Rs. 50 Lakh per month across all home branches (subject to a maximum of 50 transactions per month and a per day limit of Rs.1, 00,000/- on cash deposit at a non home branch) Choice of local / Payable at Par cheques. 500 leaves free per month Register for InstaAlert service and receive updates on your account as and when the select transaction happens – all this without visiting the branch or ATM! Fees and Charges for Max Current Account †¢ [pic]Description of Charges Minimum Balance (Average Quarterly Balance) ——–Rs. 5, 00,000/- per quarter †¢ Non-Maintenance Charges per quarter Charge of Rs.3,000/- per quarter if AQB is less than Rs.5,00,000 but greater than or equal to Rs. 2,50,000/-; Rs.8,000/- per quarter if AQB is less than Rs. 2,50,000/- Cheque Book Charges (Issued by Bank) 500 cheques leave Free per month. Charges Rs. 2/- per leaf beyond 500 leaves †¢ Other Current Account facilities Issue of Duplicate / Adhoc Statement Rs. 100 at Branch, Rs. 30 per statement through Net Banking & Phone Banking (IVR), Rs. 50 per statement through Phone Banking (non-IVR), ATM & Mobile Banking Mode of Calculation of Minimum Average Quarterly Balance Average of daily closing balances of each day spread over a period of 3 months. Remittance facility through own Bank: Demand Drafts (DD) Payable at HDFC Bank Locations (Issued from Any branch)/ Duplicate DD Free without limit Pay Orders (PO) – on HDFC Bank Locations (Issued from Any branch)/ Duplicate PO Free without limit Issuance of DD / PO through Phone Banking Free without limit Only DD amount up to Rs. 5, 00,000 for Current Max Accountholders accepted at Phone Banking. DD/PO-Cancellation/Revalidation———— Rs.50/- per instrument NEFT/EFT Transactions: Payments——————————-Free Collections——————————Free RTGS Transactions: Payments——————————–Free Collections——————————-Free Local Transactions (At home branch location) Local cheques collections & payments——————————————Free Account to Account Fund Transfer within HDFC Bank———————–Free Anywhere Transactions (except Dahej) Account to Account Funds Transfer within HDFC Bank————————–Free Payments & Collections at HDFC Bank Locations (except Dahej) Free up to Rs. 500 Lakh per month, beyond which charges @ Rs. 0.50/1000, min Rs.25/-. †¢ Bulk Transaction Charges All transactions are subject to a maximum of 300 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anywhere clearing and funds transfer transactions. †¢ Remittance facility through other Bank Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up) Rs. 1.50 per 1000, Minimum Rs. 50/- per instrument DD-Cancellation / Revalidation—————————–Rs.50/- per instrument †¢ Cheque Collection Outstation through own bank——————————–Free †¢ Outstation through another bank Correspondent bank locations: Rs.3/- per Rs.1, 000/-, min Rs. 50/-. For Clean locations (non-correspondent bank locations) & Non-MICR Cheques: Rs. 4.5 per Rs.1, 000/-, min Rs. 50/- (inclusive of courier charge) Cash Transactions 1. Cash Deposit Cash Deposit-Home Branch City Free up to Rs. 50 Lakh per month or 50 Transactions whichever is lower. Deposit in excess of Rs. 50 Lakh per month or 50 transactions will be charged @ Rs.1/- per Rs. 1000/-, minimum Rs.50/-. (Cash deposit at non- home branches within home branch location subject to limit of Rs.1, 00,000/- per account per day) Cash Deposit – Non Home City Maximum Rs.1, 00,000/- per day. Charges @ Rs.3/- per Rs.1,000/-, minimum Rs. 50/- 2. Cash Withdrawal Cash Withdrawal-Home Branch———————–Free at Home Branch Cash Withdrawal-Non Home Branch-Intracity & Intracity Free cash withdrawals up to Rs. 1,00,00/- per day, beyond which charges @ Rs. 2/- per Rs.1000/-, min Rs.50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs.50,000/- per transaction. 2.8 MARKET PROFILE OF THE ORGANIZATION: Company Profile:HDFC Bank Limited Ticker:500180 Exchanges:OTH BOM 2008 Sales:124,140,000,000 Major Industry:Financial Sub Industry:Commercial Banks Country:INDIA Employees:37836 3.1 STUDENT’S WORK PROFILE (ROLE AND RESPONSIBILITIES): I have completed my summer taining in HDFC Bank Limited as a SALES EXECUTIVE. During this training I played some roles and responsibilities are as: ROLE- I have worked as a sales Executive in sales department in HDFC Bank Ltd. My role was to buildup better relationship with Customers. HDFC Bank expects its employees to take up the work of opening current account in their respective locations. My main role was to contact customers and make deal for opening current account, in meeting with customers I represent a demo to customer for current account, are as: RESPONSIBILITIES- †¢ To generate leads for the Bank. †¢ To buildup better relationship with customers. †¢ To increase the sales of the Bank. †¢ To provide awareness about the current account. †¢ To achieve company’s target. 3.2 DESCRIPTION OF LIVE EXPERIENCE: Working with HDFC Bank It was a nice experience. When I entered into the bank, I was very nerves. However after entering I knew the real mean of working with the big organization. We need to follow the rules and regulations of the company. Coming at the exact time in the bank is very important. These things are very important which we need to learn : †¢ How should behave in the organization? †¢ How behave and coordinate with the customer? †¢ How we need to talk to our Boss, our superior and colleges? Working with the HDFC I increased my communication skills. Also I knew the Importance of the coordination among all the employees. All the employees are working as a team. When I was new, the entire employees helped me to learn the work culture HDFC Bank. In this company my work is to buildup the relationship with customers and to provide leads to the company for opening current account and making relationship with the bank. In present time the customers are not very well aware about the HDFC’s products. 3.3 STUDENT CONTRIBUTION TO ORGANIZATION: In this Company I am working as a Sales Executive. In this Organization my role is to buildup better relationship with Customers, and I promote the current account. My contribution towards this organization like: †¢ I provide leads everyday for opening current account. †¢ I make good relationship between Bank and customers. †¢ I provide awareness about the current account through some demos and calling. †¢ I help in making some useful marketing strategies. 1. RESEARCH INSTRUMENT : A questionnaire was prepared with the relevant questions consisting mainly of closed end questions especially dichotomous type which offered the respondents between only two alternatives either (Yes/No). The respondents were personally met and the collection of information was properly administered to avoid non-respondent error. The primary data is collected by cold calling from respected place of branch. The data is collected by using a questionnaire, which is given as an Appendix at the end of this report. 2. SOURCE OF DATA : The study is based on both primary and secondary data. Most of the findings are based on the data collection through interaction with customers. A structured disguised questionnaire is prepared together the information. Close as well as open-ended questions are asked. Some multiple-choice questions are also included. 3. RESEARCH DESIGN AND METHODOLOGY: Main Methodology -: Collection of Primary data (Consumer and Market Research) through Personal Questionnaires & Collection of Secondary Data (Study of various Current Account) through Computer Data, Web sites, Books and Magazines. FIELDWORK: The respondents are personally interviewed, for about 3 to 5 minutes on an average to collect the data. The format prepared beforehand was strictly adhered to. Though it was sufficient in itself and could be matched to prospective respondents, personal interviews are conducted to be able to make first hand observation that would reveal some useful information about the subject of study. RESEARCH ANALYSIS: After the collection of data I have categorize the data into – †¢ Primary Data †¢ Secondary Data As we know the data collected in primary mode is more reliable in the comparison of secondary data. So we depend more on the primary data. SOURCES OF PRIMARY DATA: †¢ Survey †¢ Personal SOURCES OF SECONDARY DATA: †¢ Through internet †¢ Branch manager approvals †¢ Personal vehicle dealers †¢ Brochure of the bank 4. SUMMARY OF FINDINGS: The Housing Development Finance Corporation Limited was introduced in 1994, after the Reserve Bank of India approved private sector banking. Operating in over 300 Indian cities, HDFC Bank has over 700 branches and 1600 ATMs. It offers personal, NRI and wholesale banking services. Net profit for the March 2006-2007 reached Rs. 1,141.5 crore. In early 2007, HDFC officially entered the microfinance market and opened branches that provide funding to self-help microfinance group. After finding primary and secondary data I find: 1. Customers don’t know about the advantage of our current account. 2. Customers are less aware about the benefits Providing Company. 3. Customers have no more knowledge about the HDFC Bank limited. 4. HDFC reduces the complexity of current account. 5. HDFC provides best way to earn more profit. 6. HDFC is beneficial for making profit and various types of works. 7. The procedure of HDFC is very easy. [pic] 1. SUMMARY OF LEARNING EXPERENCE: HDFC Ltd has the objective to enhance residential housing stock and promote home ownership. Their offerings range from hassle-free home loans and deposit products, to property related services and a training facility. They also offer specialized financial services to the customer base through partnerships with some of the best financial institutions worldwide. HDFC Bank began operations in 1995 with a simple mission: to be a â€Å"World-class Indian Bank†. We realized that only a single-minded focus on product quality and service excellence would help us get there. Today, we are proud to say that we are well on our way towards that goal. It is extremely gratifying that our efforts towards providing customer convenience have been appreciated both nationally and internationally. So that I learn many important things from HDFC and market are as: 1. I have gained live experience of marketing. 2. I find all types of help from my training in charge. 3. I have gained knowledge in the field of HDFC. 4. I find there are many customers are not aware about the HDFC. 5. I find there are lots of opportunities in the Banking Sector. 2. CONCLUSIONS AND RECOMMENDATIONS: Conclusion HDFC Ltd has the objective to enhance residential housing stock and promote home ownership. Their offerings range from hassle-free home loans and deposit products, to property related services and a training facility. They also offer specialized financial services to the customer base through partnerships with some of the best financial institutions worldwide. HDFC Bank began operations in 1995 with a simple mission: to be a â€Å"World-class Indian Bank†. We realized that only a single-minded focus on product quality and service excellence would help us get there. Today, we are proud to say that we are well on our way towards that goal. It is extremely gratifying that our efforts towards providing customer convenience have been appreciated both nationally and internationally. . Besides we also have a dedicated technical team as well as customer care services and its procedure is also very simple. Recommendations 1. To provides awareness about Current Account and its uses to customers. 2. To open maximum and Big accounts for getting more profit. 3. To target not only metro cities, target all big and small city or village. 4. To build the customer relationship 5. To improve its marketing strategies 6. To improve its selling process [pic] COPY OF QUESTIONNAIRE: 1. Are you aware about Current Account? a. Yes b. No 2. Are you aware about current account providing HDFC Bank? a. Yes b. No 3. Are you aware about HDFC Bank Limited? a. Yes b. No 4. Are you aware about the procedure of Current Account? a. Yes b. No 5. Is HDFC reduces the complexity of Current Account procedure? a. Yes b. No 6. Is HDFC provides you cheap and best way to earn money and to make you a independent owner? a. Yes b. No 7. Are you aware about the profit volume ratio doing business with HDFC? a. Yes b. No 8. Are you interested to open current account in HDFC Bank ? a. Yes b. No BIBLIOGRAPHY: 1. www.hdfcbankltd.com 2. www.hdfc.in 3. www.google.com 4. Business Today 5. India Today [pic] ———————– Sales Executive Team Leader Sales Manager Area Sales Manager Area Sales Head Regional Sales Manager Zonal Sales Manager National Sales Manager