Compare Ch 1 & 2 of Hard Times to Ch 6 of Jane Eyre

Both authors Charlotte Bronte and Charles Dickens give determined attention to the bleak and hard aspects of life and, specifically, to the life of children. In the Chapters 1 & 2 of Hard Times to Chapter 6 of Jane Eyre, they vividly portray difficulties and hardship faced by many poor children at school. Thesis The chapters under analysis are based on similar settings and themes portraying educational system of the Victorian era, attitude towards children and their role in society.In the chapters under analysis, the authors portray school life of the protagonists and their grievances. ‘Fact and Figures’ dominate in the chapters underlining the role of cramming in education. In Hard Times, in the opening scene in ‘a plain, bare, monotonous vault of a schoolroom', the dominant adjectives are ‘square, hard, dry’, and the first paragraph of Chapter 2 emphasizes this theme by using many of the declaratory titles which Dickens had contemplated giving to thi s novel. T.Gradgrind teaches children:‘A man who proceeds upon the principle that two and two are four, and nothing over, and who is not to be talked into allowing for anything over† (Dickens). In Jane Eyre, girls follow strict rules during classes: â€Å"there were sundry questions about tonnage and poundage and ship-money, which most of them appeared unable to answer† (Bronte). Another important detail is that girls should read the Bible every morning which dictated social norms and social order.In the chapters under analysis, the authors create a similar prototypes of teachers and educational systems typical for their times. As the first passage makes clear, the Gradgrind educational system and the ethos of the industrial town are at one in being designedly quite rightly if ‘The Gradgrind Philosophy' is accepted – monotonous, and in embodying an aridly limited sense of life's possibilities and priorities. But already one challenge to that ‘Ph ilo ¬sophy' has appeared the circus at which the Gradgrind children are caught peeping.The same philosophy is followed by Miss Scatcherd who supposes that a teacher should be severe and irreconcilable to pupils’ faults. Jane comments: â€Å"it seems disgraceful to be flogged, and to be sent to stand in the middle of a room full of people† (Bronte). A doctrine of Christian endurance is similar in the chapters. Both authors pay a special attention to the process itself and organization of education. They underline that educational process should be based on daily activities and planning process.The chapters though starting in a schoolroom are concerned with more than education but growing up and new perception of the world. Success for the protagonists means fight in whatever direc ¬tion. To the attainment of any end worth living for, a symmetrical sacrifice of their nature is compulsory upon children. Jane comments: â€Å"I could not comprehend this doctrine of end urance; and still less could I understand or sympathize with the forbearance she expressed for her chastiser† (Bronte).Pressure of schooling and severe attitude of their tutors forces the children to mature and understand the role of religion and schooling in their life. The children speak as mature adults which unveils their independent thinking and mature personalities. Readers quickly sense the inevitability of the children's movement towards savagery, though the authors relate the novels with such economy and intensity that its predictability does not become monotonous. In these chapters, both children assume leadership for their calm rationality.â€Å"Only a few feeble stragglers said Yes: among them Sissy Jupe† (Dickens). In the chapters, both authors use characters of children in opposition to the main characters. This technique helps them to underline the importance of liberation in the world of cruelty and misunderstanding. In sum, Charlotte Bronte and Charles Dickens portray that suffering is undergone in order to expand the human spirit, to delve into matters previously kept hidden, to grow through pain. They grow up into small adults emulating the ‘real' world they have left behind and to which eventually they return.

R. R. Donnelly & Sons: the Digital Division

R. R. Donnelly & Sons: The Digital Division (Case Synopsis) R. R. Donnelley & Sons was suffering with an ad-hoc technology development process. Once this process had to be changed and new technology development process had to be brought in. R. R. Donnelley & Sons with 6% share of the $80 billion print market is certainly the market leader. But the level of competition was rising rapidly as well. The printing market was going online and electronic with the online service providers and software packages were making four color images available electronically.Smaller printing companies were also building alliances with firms that had high-capacity networks for transmitting files. Despite digital division being a good idea, it was essentially outside their core business. All divisions knew the potential of digital technology but did not know enough about the markets and were scared of unproven technology. The biggest issue faced by the Digital Division was whether they would be accepted o r not by other divisions in the organization itself. The company knew that digital technology was the future.And that the company needs to improve on demand printing and delivery on time as well. But the problem was convincing the other divisions. They could not do it with their arguments or with the incentives they gave. The solution would be to accept the advantages of the digital technology by the CEO, john Walter not as a different division. This is done so that the profitability and the existence of other divisions are not affected. It should benefit the organization not as a separate division. All the divisions in the organization must work together as one to contribute to the organizational goals and growth.

Atlantic Slave

Even before the first humans on Earth, there has always been a constant change in the landscape. From the first cultivated fields of the Neolithic period to the great structures of the first dynasty in China, the landscape has ever been evolving. Arguably one of the most dynamic changes were those of Europe from the 1500-1 sass. During this time, cultural, social and economic beliefs were remodeled or evolved to help create the foundations of societies today.Out of the three areas the most influential were the economic changes which not only took place in Western Europe but throughout other continents s well. Most recognizable of these changes was the importance of slavery in the Atlantic World. Slavery in the Trans- Atlantic world referred to the use of people from Africa who had been captured and used for their labor to create goods for Europe. [I] Though there are multiple examples of the benefits, the real SUCCeSS was due to the economic factors which allowed the slave trade and slavery to expand from 1550- 1800. Through the Atlantic economy, increased trade through the colonization of the New World and also the interdependence of countries and diversity are the three factors that allowed the slave trade and slavery to grow in the Atlantic World as well as the increased wealth of Europeans. One of the factors that expanded the slave trade and slavery was the growth of the Atlantic economy through capitalism. Modern capitalism known today started around this time period. This meant that economic institutions such as banks and the stock market came to fruition. Ii] This capitalism then translated overseas with the collection of cash crops which boosted the Western European economy. In the third document for example there is an example of capitalism in action in the British West Indies. Iii] The sugar [cash crop] is in barrels which would have been shipped off to Europe where it would have been sold to people to create money to circle within the economy. Some may wonder how this boosted the economy if money was spent on these mills across the Atlantic. This is due to the use of slaves which were much cheaper and therefore cost effective for the countries in Europe.As shown in document 7, thousands of slaves were carried off to the New World to work at the mills and plantation field to produce goods for Europe. [iv] The number of slaves abroad the ship indicate that it has to be a large sell to hold many slaves during one trip. The reason they were so cheap was because African slaves were resistant to diseases more than the natives and also were more productive than them also. [v] Also they could serve fore a lifetime to one owner while previous settlers were indentured servants meaning they worked for a set amount of time; overall a better long- term investment which saved money. Vi] Another reason why they were in demand was because of the number of workers needed in a plantation for it to work. In the documents 4 and 5, the data shows exactly why African Slaves were a better than the natives Meridians) or any of the indentured s ervants. In document 3 it shows the different jobs that had to be done on the plantation. [vii] Due to the number of jobs that had to be filled not just once but by multiple people is was difficult to do so with Meridians who kept dying out due to the new diseases which made it harder to fill the spots available. Viii] The fifth document shows the birth and death rate that a plantation would have during this time. [ix] From the data given it makes more sense as to why a plantation owner would invest a lot of money initially buying slaves knowing hat they would save much more in the end. This is because with slaves that lasted longer, the need to replace them was less. The second factor which led to the expansion of slavery and the slave trade was the increase in trade due colonization of the New World.One of the big changes during this time was the number of people who started to explore new places such as the Americas. In document 6 for example, it shows a map of the new colonies created by the big nations in Europe at the time. [x] France for example has created New France in Canada and also down into Florida and Spain had a large portion Of Mexico and Southern America. [xi] These new colonizes helped create trade between the New and Old World. Government ventures landed money for explorers to set forth and trade in the West and elsewhere. Xii] This also led to the role of mercantilism in the Atlantic as well. They helped promote overseas trade between a country and its own colonizes. [xiii] As they controlled more trade, different trading companies began to emerge in response to mercantilism. The Dutch West Indian Company and the royal African Company chartered by their otherworld all participated in a system which included other non- European countries as well. This system was known as the Atlantic Circuit which was a clockwise network of trading links that moved goods, wealth and people around the Atlantic system. Xiv] This helped make the slave trade more efficient because now a vast amount of slaves could be transported to their specific destinations as requested by a country. As document 8 shows, the slaves which came from Africa each followed a specific route in the Atlantic Circuit. [w] tying in with document 4 the work that had to be done on the alienation was a lot and that is why with the help of city ports in Africa they were able to get a large number of slaves to help in the Americas. An example of the type of work they did can be seen in document 1. In this picture of the SST. Crosss Sugar Mills, the large numbers of slaves were able to make a lot of sugar which in turn meant more goods for the second leg of the circuit. [xvi] With this incentive, owners of the mills or plantations along with traders back home would continue to pay for more slaves to be deported for their services. Not only was there a demand for the work the slaves provided but also the totality during these trades led more slaves to be sent off as replacements. The conditions in these voyages were very harsh, with the captured slaves being abused, malnourished and gravely ill. Xvii] Document 2 shows just how high the number of these deaths in transit to their destinations was during the middle passage. [xviii] From the graphs shown, it is easy to understand why slaves would have to constantly replace. If slaves did not eventually die from being worked on the plantation or the mills they surely would have died in the middle passage where diseases like dysentery and malaria were meant. Referencing back to document 7, months of living on such a boat would surely weaken the slaves and constant abuse from the slave traders would make them more ill. Xix] The last factor which led to an expansion in the slave trade and slavery was the interdependence and diversity. The first reason it was able to expand so much was because of the reliance of many different countries that all contributed to one goal. Amsterdam for example, had one of the best financial institutions at the time which meant more people along with companies would invest their money there. [xx] These investments would hen be put into the ventures abroad like in the West Indies to help with the plantations. Exile Not only is that but the Atlantic Circuit an example of the growing interdependence between nations. As document 6 showed, the manufactured goods from the Americas would go to Western Europe where it would be traded for more slaves in exchange for the goods. [xii] This global market created a demand for many nations which spurred the further transport of slaves. What is also seen during this period is that not slaves during the time were of the same ethnicity. As document 9 shows, some laves which were captured has also been Muslim. Xiii] This meant that not only were the traders and companies diverse in the people they did business with but also slaves were ethnically diverse as well. This diversity however may have contributed to more slaves being transported. This is because in document 9 it explained how the Muslim slave had never been used to this sort of lifestyle and therefore could adjust well and handle to work which is why he was given back. [xiv] This might indicate this sort of lifestyle which had not been as popular in some societies might mean that the slaves used room these places would not be adjusting well into this lifestyle. Thus slave traders would need to have more slaves sent over to replace the ones who could not handle the work and had to be returned. The factors which led to the expansion of slavery and the slave trade in the Atlantic was because of the Atlantic Economy, increased trade with the New World and lastly the increase in interdependence and diversity. Capitalism which emerged during this time period helped provide money to start up plantations. The goods that it then produced was used to help boost the economy in Western Europe. The increased trade between nations helped create incentive to send over more.Through the Atlantic Circuit slaves were sent more efficiently and in bigger loads to earn even more goods to trade in the old World. Lastly the interdependence with different nations provided more money to be involved with colonizes abroad. The interdependence with these nations had also meant the source of their slaves also created diversity among them. The evidence provided gave a lot of insight into the slave trade however there are some pieces missing. Real life accounts of the slave traders ND how they felt may have also been useful.Other articles such as a daily schedule of a slave on plantations might have been useful in explaining how the slaves needed to be replaced due to the hard work. Overall, from what is given it is clear that the slave trade though not morally correct provided many benefits for the people of Europe. It is one of the main events in history which helped Western Europe so strong and feared.

Case against Illegal Music Downloading Essay Example | Topics and Well Written Essays - 750 words - 4

Case against Illegal Music Downloading - Essay Example   According to the utilitarian rule of ethics, benefits of a decision should be experienced by the entire society and decisions that benefit a few while negatively impacting the overall society should be avoided as they are illegal. In the case of illegal downloading of music, those benefiting include those who download music for free and those who supply this form of illegal music, on the other hand, those who have invested heavily including the music recording companies and those who have purchased copyrights and the musicians themselves are being negatively impacted. There are even those who believe that musicians make a lot of money through concerts and brand endorsements and if the music is provided for free, it would not impact them. Although musicians make a lot of money, there is no reason why they should not benefit from the sale of their own benefit. Another reason due to which illegal music downloading should be completely banned is that it is destroying the entire music industry. It is negatively impacting those who make music as well as those who sell it. The music industry comprises of music recording companies who are privately owned organization and are operating with the primary aim of increasing their profits and the profits of their shareholders. If music continues to be distributed and downloaded in an illegal manner, the music producing companies will be ripped off their profits and there will be no motive of producing music and thus this will lead to complete destruction of music. According to statistics provided by RIAA, during the period of 2004 to 2009, around 30 billion music tracks were downloaded in an illegal manner (RIAA, 1999). Assuming that the selling price of 1 song is $1, this means that music companies lost $30 billion due to music being downloaded in an illegal manner. The main reason due to which illegal music downloading should be illegalized and should be controlled is that it will ultimately discourage musicians from m aking music and this would include those who have been making music for quite some time and even those who are yet to enter the market.     

Marketing Essay Example | Topics and Well Written Essays - 2000 words - 17

Marketing - Essay Example This paper presents an insightful investigation of the effectiveness and contribution of advertising towards the success of a company’s sales. It manifests if at all the advertisement expenditures, exclusively lead to the sales elevation; or these efforts need to be blended with other suitable marketing activities so as to derive much better outcomes. It indicates the impact of advertising on company’s sales margin, while establishing facts from the theoretical material and draws out the potency of marketing activities in combination with proper advertisement towards the achievement of sales and profit targets. The effectiveness of advertising in precipitating a company’s sales success in relation to the other elements of marketing strategies happen to be matter of serious concern in today’s business domain. Corporations tend to squander millions on advertising along with other marketing activities in an anticipation to enhance their sales and profitability. If advertising alone can lead to the company to improved sales, new customer attainment and existing customer retention successfully, then it could subsequently save a lot of company’s funds and efforts exerted in conducting other marketing activities. Aaker (1991) states that the purpose of advertising is to distinguish a company’s product from others in the market hence establishing the product’s brand equity. The author signifies the concept of advertising with product differentiation and establishment of brand equity. Merino Srinivasan and Srivastava, (2006, p12) confirm this point as, â€Å"high brand equity firm may be able to differentiate themselves effectively in competitive environments, achieving both high prices and high customer loyalty increasing and stabilizing its sales revenues and profits†. Here also, high brand equity and product differentiation has

The problem of gangs Essay Example | Topics and Well Written Essays - 500 words

The problem of gangs - Essay Example This is made up of majority legal and illegal immigrant youth and includes those born in the U.S. by legal and illegal immigrant parents. The Bureau of Immigration and Customs Enforcement data shows that 75% of those arrested are from Mexico and El Salvador from gangs such as 18th Street Gang and Mara Salvatrucha or MS-13 known to have massive illegal immigrant members. In an article released by the National Immigration Law Center it clarified that under New York law as decided by the Board of Immigration Appeals, a youthful offender’s adjudication is not equivalent to a conviction in relation to the Immigration and Nationality Act. This was decided on the â€Å"Matter of Devison-Charles,† given a permanent resident status in the United States in April 1996 who was a citizen of the Dominican Republic. Back in 1992, he was involved in attempted possession of a controlled substance where he was adjudicated as a youth offender. The ruling affirms that conviction under the Illegal Immigration Reform and Immigrant Responsibility Act of 1996 does not apply to juvenile offenders.The liberal policy of a number of states granted to juvenile offenders in view of their immigration status sometimes become an area of abuse wherein states like Florida through its Florida Department of Juvenile Justice increased efforts to impose background checks to ensure those that come into the agency are actually within the age limit. The State Senator was able to get an appropriation for additional funding for such purposes as identifying illegal juvenile immigrants.

Analyzing The F Word Essay Example | Topics and Well Written Essays - 750 words

Analyzing The F Word - Essay Example The F-word, Jesse Sheidlower, editor at large of the Oxford English Dictionary and editor of the 1995 book â€Å"The F-Word†, reveals that the word has been first printed in a â€Å"text around 1475, in a poem that more or less said the monks of Cambridge did not go to heaven because of their sexual dalliances with women† (Achenbach). Its etymology is traced to words such as the Middle Dutch fokken, Germanic term ficken, English firk and Scottish fukkit, all associated with sex. The original definition of the F-word is â€Å"sex with violence and pleasure with pain† (Stephey). Although the word implies pleasure which should not be an embarrassing experience, it actually is a private affair where the pleasure is achieved by exposing private parts- something that no one would definitely want to perform in public. Understandably, the F-word has a sexual connotation that it makes people stare at or get offended by those who use it. Some intelligent people who did not want to use the word directly used it in acrostics such as â€Å"Fornication under consent of the king† and the popularly known Irish police blotter inscription â€Å"for unlawful carnal knowledge† (Stephey). ‘Fornication’ and ‘carnal’ clearly imply sexual acts which for generations has been a subject matter that remained closed to discussion. As sex is to be performed in private places at private moments, the word should also be treated with such respect and privacy. Nevertheless, with the prevalence of movies, songs and other literary works and artists uttering the word in public, the F-word has become a common word pronounced by almost every individual from different walks of life, regardless of where they are. The word perhaps got into the limelight when highly respected political figures used the word repeatedly as opposed to what was expected from them. George Bush is known to have used the word openly before he was elected president an d his vice president, Dick Cheney, also used it on the senate floor. â€Å"No one is shocked that these people use such language but as statesmanship, it’s not exactly Lincolnesque† (Achenbach). This declaration shows tolerance to the verbal pronunciation of the word by anybody, whether popular or ordinary figures however, there is also the recognition of a line that should be drawn when saying the word. First and foremost, the aforementioned politicians are educated people who are expected to act and talk as well-mannered individuals. Thus, Achenbach coined his word â€Å"Linconesque†, pointing to the revered statesman, Lincoln and mentions that the actions of the two politicians mentioned earlier are not in line with the example the former showed. On the other hand, the statement that no one is shocked with their use of the word shows that it is well-understood because it is a human word uttered by human beings. Although Bush and Cheney are politicians, they a re also human beings who have similar needs as other people. Therefore, it does not come as a shock when they are heard saying the F-word however, they should have been more careful in their utterances because it still is considered a private word, having an explicit sexual connotation (Achenbach). Nevertheless, there is also the consideration that â€Å"the reason why it is used so often is because it has escaped the bonds of its sexual origin† (Achenbach). When Cheney told a Democratic senator to F_ _ _ himself, he

What are some guidelines that would help one achieve individuality Essay

What are some guidelines that would help one achieve individuality - Essay Example Different people require different environment to develop and there is no single life pattern suitable for everyone (Ten, 1980). On individuality, John Stuart Mill recommends that people should not follow the custom just because it is the norm. Conforming would only compare human beings to apes and sheep, which rely on faculty of imitation (Mill, Anderson & Anderson, 2003). Instead, Mill wants people to choose their course of life more reflectively basing their decisions on their own experiences. Attaining individuality is dependent of reflection and deliberation. This involves use of distinctive human faculties including judgment, perception, mental activity, discriminative feeling and moral preference (Mill, Anderson & Anderson, 2003). Since individual natures are not transparent, people experience living, deliberate and reflect on these experiences and derive lessons from them. Following the lessons, an individual should then make right inferences regarding what is more suitable for them (Mill, Anderson & Anderson, 2003). In light of Mills’ advocacy for developing individuality, Vincent Ruggiero (2008) gives four steps that act as guidelines to assist in achieving individuality. The first step according to Ruggiero (2008) is treating an individual’s first reaction to another person, situation or issue with suspicion (Ruggiero, 2008). A person should not at first embrace that feeling or reaction without examining the reason as to why they reacted in such a manner. People, issue or situations bring out feeling of joy, shock, disappointment or hurt. It is important that a person, before internalizing these feeling, understands why they occurred in the first place. The second step involves deciding why they reacted as they did during the encounter. At this stage, if possible an individual should determine what specific

Pennsylvania Black Bear Research Paper Example | Topics and Well Written Essays - 500 words

Pennsylvania Black Bear - Research Paper Example Those with black color are prevalent in the east while the brown phases from blond to cinnamon are mainly found in the west (Shoemakera 15).An adult male bear weighs between 350 and 500 pounds while a female may have 150 to 250 pounds even though, some male bears go up to 600 pounds occasionally. Black bears rise to about three feet high when standing on all fours and from six to seven feet when upright. The sounds made by bears are distinctive ranging from growls, woofing and jaw popping. The females communicate with their cub through huffs and low grunts while the cubs whimper, chuckle and bawl. Other distinctive features of a black bear are the tracks. The footprints of the hind legs resemble those of man and the toes are five. The front foot of a bear is shorter than the rear foot which is long and narrow. The claws may at times be visible. Black bears are herbivores. They maintain movement mainly at night or early hours of the morning in search of food. They feed on a variety of things such as berries, corn, beechnuts, grass, carrion, honey and insects (Fergus 32). They fatten up before winter for hibernation at the summer and the fall periods during which they take most of the time to feed amount to a close of twenty hours a day and consuming close to 20,000 calories. During winter, they remain dormant and choose to remain in their dens which are made up of rock caverns, excavated holes and hollow trees, underneath trees, dead falls and bushy thickets. The heartbeat during hibernation slows down tremendously and the body temperature drops. At this period, bears do not feed drink or pass body fluids such as urine (Gordon 45). The most prevalent season for mating is between early June and mid- July during which bears become very aggressive to one another. In January, sows give birth mostly to a litter of five. The newly born cubs are toothless, sightless and have less hair that is inadequately distributed on

ECOLOGICAL FOOTPRINTS-Calculate your ecological footprint(1) Assignment

ECOLOGICAL FOOTPRINTS-Calculate your ecological footprint(1) Manipulate your ecological footprint(2)Reflecting on your ecologica - Assignment Example The footprint calculator will be determined by the daily choices we make as individuals and communities, for example choosing to recycle, or cycling to school instead of driving. Since everything we do has consequences to our planet, we must aim to ensuring that we reduce our ecological footprint. I used the global footprint network to calculate my ecological footprint. The main steps used to calculate my ecological are broken down into four categories; carbon footprint which includes home and transport energy, food footprint, housing footprint and goods and services footprint ( Tinsley, 2006). Ecological footprint is calculated in global hectares/ acres. The quiz provides an estimation of the ocean and land that can support waste produced from consumption in the workplace, household, food, goods and services, housing and energy used in transportation. After taking the quiz, if every person lived the same lifestyle like I do, we would need 4.88 earths to live in. It is apparent that the lifestyle I live, in a small household of two, is very unsustainable, and I should do more towards ensuring sustainability of planet earth for current and future generations to be able to enjoy ecosystem goods and services like I do. ... Part two According to estimations, in order for all organisms to survive in this planet we each need an ecological footprint of 0.8. An ecological footprint of 4.88 is very unsustainable since we only have one planet. Developed countries have larger carbon footprints compared to less developed countries, which are growing. Promotion of western civilization lifestyles, such as excess shopping, will lead to an increase in the ecological footprint. As discussed earlier, small lifestyle changes can go a long way to ensuring we make a big impact. One of the changes include buying locally produced food and less packaged foods sold in stores and supermarkets, like I currently do, to reduce the footprint. In case it is necessary to buy packaged food, then the packaging should be recyclable and of lesser quality. It is necessary to reduce the waste produced by the household by purchasing only goods needed for short periods of time, mostly a week to reduce wastage. A good example is buying goo ds in bulk which is usually packaged in cans and bottles, which are not degradable, and lead to pollution of the earth. Other steps to reducing my footprint include drinking tap water which is safe to drink instead of bottled water, reducing meat consumption, because the more animals are grazed to meet meat consumption, the more methane gas is released, which is a green house gas. Buying foods that are in season is good because purchasing out of season fruits and vegetables means that they have been flown in from other countries, which increases my carbon footprint. I should change the activities I engage in during my spare time to reduce my carbon footprint such as restaurants and saunas. The housing footprint is a step used in

Bachelor Degree Essay Example for Free

Bachelor Degree Essay The need for competent bedside nurses has drastically increased and so will it continue in the future. The level of basic education that a nurse should have has always been an issue of debate and controversy. The ADN program is shorter and more concise which focuses on the clinical skills and is more tasks oriented. It lacks the theory and science behind nursing as a profession. ADN nurses usually have 2-3 years education and are focused to provide individualized care to their patients based on their diagnosis. The BSN program is a four-year degree, which is knowledge, theory and research based and the emphasis is on the entire picture of the field of nursing. The BSN nurse would use the researching and critical thinking background of her education to care for patients. Many do not realize there is a difference between the two. Both associate degree graduate and baccalaureate degree graduates take the same NCLEX board exam for licensing and enter the same job. Unlike associate-degree nursing programs where the nurses function primarily at the bedside in less complex patient care situations, the BSN program prepares the nurse to practice in all health care settings critical care, outpatient care, public health, and mental health. The American Association of Colleges of Nursing has posted a detailed position statement (2000) and fact sheet (2010) on their websites endorsing the position that the minimum entry level requirement for nurses be a BSN degree. The BSN nurse is well-qualified to deliver care in private homes, outpatient centers, and neighborhood clinics where demand is fast expanding as hospitals focus increasingly on acute care and as health care moves beyond the hospital to more primary and preventive services throughout the community. At increasing numbers of hospitals nationwide, baccalaureate-prepared nurses are being utilized in ways that recognize their different educational preparation and competency from associate-degree nurses. In these differentiated practice models, BSN nurses not only provide more complex aspects of daily care and patient education, but also design and coordinate a comprehensive plan of nursing care for the entire length of a patients stay from pre-admission to post-discharge including supervising nurse’s aides and other unlicensed assistive personnel, designing discharge and teaching plans for patients, and collaborating with patients, physicians, family members, and other hospital departments and resource personnel. Evidence shows that nursing education level is a factor in patient safety and quality of care. As cited in the report When Care Becomes a Burden released by the Milbank Memorial Fund in 2001, two separate studies conducted in 1996 – one by the state of New York and one by the state of Texas – clearly show that significantly higher levels of medication errors and procedural violations are committed by nurses prepared at the associate degree and diploma levels as compared with the baccalaureate level. These findings are consistent with findings published in the July/August 2002 issue of Nurse Educator magazine that references studies conducted in Arizona, Colorado, Louisiana, Ohio and Tennessee that also found that nurses prepared at the associate degree and diploma levels make the majority of practice-related violations. AACN and other authorities believe that education has a strong impact on a nurse’s ability to practice, and that patients deserve the best educated nursing workforce possible. A growing body of research reinforces this belief and shows a connection between baccalaureate education and lower mortality rates. Baccalaureate nursing programs encompass all of the course work taught in associate degree and diploma programs plus a more in-depth treatment of the physical and social sciences, nursing research, public and community health, nursing management, and the humanities. The additional course work enhances the student’s professional development, prepares the new nurse for a broader scope of practice, and provides the nurse with a better understanding of the cultural, political, economic, and social issues that affect patients and influence health care delivery. Throughout the last decade, policymakers and practice leaders have recognized that education makes a difference. (http://www. aacn. nche. edu/media-relations/fact-sheets/impact-of-education. References http://www. aacn. nche. edu/media-relations/fact-sheets/impact-of-education. (n. d). The Impact of Education on Nursing Practice . Retrieved May 21, 2013, from http://www. aacn. nche. edu/media-relations/fact-sheets/impact-of-education.

Hdfc Bank Essay Example for Free

Hdfc Bank Essay The first modern bank was founded in Italy in Genoa in 1406, its name was Banco di San Giorgio (Bank of St. George). Many other financial activities were added over time. For example banks are important players in financial markets and offer financial services such as investment funds. In some countries such as Germany, banks are the primary owners of industrial corporations while in other countries such as the United States banks are prohibited from owning non-financial companies. In Japan, banks are usually the nexus of cross share holding entity known as zaibatsu. In France Bancassurance is highly present, as most banks offer insurance services (and now real estate services) to their clients. 1.2 DEFINITION: The definition of a bank varies from country to country. Under English law, a bank is defined as a person who carries on the business of banking, which is specified as: †¢ Conducting current accounts for his customers †¢ Paying cheques drawn on him, and †¢ Collecting cheques for his customers. 1.3 OBJECTIVE OF THE STUDY: The Objective of this on the job training is to study the importance of the potential customers and their value to the bank and creating the awareness among them about the importance of current accounts and keep a good relationship with them for the bank’s benefit. 1.4 ORIGIN OF THE BANK: The name bank derives from the Italian word banco desk/bench, used during the Renaissance by Florentines bankers, who used to make their transactions above a desk covered by a green tablecloth. However, there are traces of banking activity even in ancient times. In fact, the word traces its origins back to the Ancient Roman Empire, where moneylenders would set up their stalls in the middle of enclosed courtyards called macella on a long bench called a bancu, from which the words banco and bank are derived. As a moneychanger, the merchant at the bancu did not so much invest money as merely convert the foreign currency into the only legal tender in Rome- that of the Imperial Mint. 1.5 PRESENT STATUS OF THE BANK: Worldwide assets of the largest 1,000 banks grew 15.5% in 2005 to reach a record $60.5 trillion. This follows a 19.3% increase in the previous year. EU banks held the largest share, 50% at the end of 2005, up from 38% a decade earlier. The growth in Europe’s share was mostly at the expense of Japanese banks whose share more than halved during this period from 33% to 13%. The share of US banks also rose, from 10% to 14%. Most of the remainder was from other Asian and European countries. . The US had by far the most banks (7,540 at end-2005) and branches (75,000) in the world. The large number of banks in the US is an indicator of its geography and regulatory structure, resulting in a large number of small to medium sized institutions in its banking system. Japan had 129 banks and 12,000 branches. In 2004, Germany, France, and Italy had more than 30,000 branches each—more than double the 15,000 branches in the UK. 1,6 FUTURE OF THE BANK : The future is integration as people will have less time for banking. People will want to process more transactions on the Internet. There will be more activity in terms of applications and services on the mobile. Geography will not be an inhibitor any more as everything is executable on the Net. Integration is the next real big thing. As a customer you will want a one-stop shop that will take care of all your needs. For instance people will want to buy their mutual funds, redeem their mutual fund, buy insurance policies, renew policies, buy cinema tickets, railway tickets, and numerous similar transactions through the bank. The ATM will still serve as a cash dispensing medium, but the Internet and mobile will be very active. [pic] 2.1 ORIGIN OF THE ORGANIZATION : H.D.F.C was set up on 17th October, 1977 by I.C.I.C.I. out of the consideration that a specialized institution was needed to channel household savings as well as funds from the capital market into the housing sector. H.D.F.C. has emerged as the largest mortgage finance institution in the country. The main objective of H.D.F.C. is to develop significant expertise in retail mortgage loans to different market segments and to have a large corporate client base for its housing related credit facilities. The main aim of H.D.F.C. is to support or aid in the promotion of home ownership. H.D.F.C. is Indias leading housing finance company and for all practical purposes is synonymous with the domestic housing finance industry. The primary objective of H.D.F.C is to enhance residential housing stock and promote home ownership. One of its major objectives is to increase flow of resources for housing through the integration of housing financial institutions with the domestic market. H.D.F.C. has developed a strong market reputation large shareholder base and unique consumer franchise. H.D.F.C. is Indias premier housing finance company in India as well as in international markets. It has maintained a consistent and healthy growth in its operations to remain the clear market leader in mortgages in India. The company has been constantly engaged into innovation and innovative practices since its birth. 2.2 GROWTH AND DEVELOPMENT OF THE ORGANIZATION: HDFC Bank reported a 43 percent growth in net profit at Rs.75.5 crore for the third quarter ended December 31, 2001, as against Rs 52.8 crore in the corresponding quarter previous fiscal. The jump in net profit was primarily due to other income which almost doubled to Rs 85.5 crore from Rs 47.5 crore. Speaking to analysts at a conference call today, January 15, 2002, Paresh Suthankar, head – credit risk and investments, reiterated the bank’s earlier guidance of a 25-30 per cent compounded annual growth rate (CAGR) in its top line for the next two to three years. The bank does not see any reason to revisit its guidance and stands by it. It expects the projections to hold true as long as the market environment is relatively stable and does not move to an extreme of either a boom or a total bottoming out. The bank is open to acquisitions as a vehicle of growth, but any growth via acquisitions would be over and above its projected growth rate of 25-30 per cent. At present, it is not working on any deal but there are acquisition prospects in the Indian scene, giving rise to opportunities for inorganic growth. The bank’s exposure to capital markets is around 6-7 per cent, against the Reserve Bank of India (RBI) norms of 5 per cent. The bank expects to bring it down to within the stipulated limit by the end of this fiscal. The bank has made a lot of headway in its retail thrust with retail accounts going up to 1.9 million from 1.4 million a year back. The branch network now stands at 147 outlets in 63 cities and the ATM network at 360 compared to 231 ATMs as on March 31, 2001. The debit card base is at six lakh. On the advances side, car loans have really picked up and now form almost 50 per cent of the total retail advances, with the remaining being accounted for by loan against securities and other loans. In fact in case of car loans, the bank now covers around 30 cities against just eight-nine a year back. 2.3 PRESENT STATUS OF THE ORGANIZATION: HDFC Bank Limited provides various financial products and services. It operates in three segments: Personal Banking, NRI Banking, and Wholesale Banking. The Personal Banking segment provides savings, and current and fixed deposit accounts. It also offers personal, home, two wheeler, new car, used car, gold, education, healthcare, commercial vehicle, working capital, construction equipment, and warehouse receipt loans. In addition, this segment provides safe deposit lockers; credit, debit, and prepaid cards; mutual funds, general and health insurance, bonds, and equities and derivatives products; and forex and payment services. The NRI Banking segment’s deposit products include rupee savings accounts, rupee current accounts, rupee fixed deposits, foreign currency deposits, and accounts for returning Indians. Its loan products comprise home loans, loans against securities, loans against deposits, and gold credit cards. The Wholesale Banking segment offers funded services, which consist of working capital finance, short term finance, bill discounting, and export credit; and non-funded services, such as letters of credit, bank guarantees, and collection of documents to corporations, and small and medium enterprises. It also various services to banks, financial institutions, mutual funds, stock brokers, insurance companies, commodity businesses, and trusts. As of March 31, 2008, it had a network of 761 branches and 1,977 automated teller machines in 327 cities in India. [pic] 2.4 FUNCTIONAL DEPARTMENT OF THE ORGANIZATION: HDFC Bank Limited is located in New Friends Colony, New Delhi. This organization Includes functional departments as follows: 1. Current Account Department 2. Saving Account Department 3. Trade Department 4. Salary Department 5. Cash Department 6. Demat Account Department 2.5 ORGANIZATION STRUCTURE AND CHART: [pic] 2.6 PRODUCT AND SERVICE PROFILE OF THE ORGANIZATION: HDFC Bank mainly provides three kinds of banking services: †¢ Personal Banking †¢ NRI Banking †¢ Wholesale Banking The following are the products and services provided by the HDFC bank HDFC Bank provides loans like Personal Loans , Home Loans , Educational Loans , Two Wheeler Loans , New car Loans, Used Car Loans, Overdraft Against Car, Express Loans, etc. HDFC Bank provides Credit, Debit and Prepaid Cards to help you meet your financial objectives. HDFC Bank provides facilities like Mutual Funds, Insurance, General Health Insurance, Bonds, Financial Planning, Knowledge Center, Equities Derivatives, and Mudra Gold bar. If you need to deal in foreign currency and keep tabs on exchange rates every now and then, transfer funds to India, make payments etc., HDFC Bank has a range of products and services that you can choose from to transact smoothly, efficiently and in a timely manner. With HDFC Bank’s payment services, you can bid goodbye to queues and paper work. HDFC’s range of payment options make it easy to pay for a variety of utilities and services. HDFC Bank provides many types of accounts like: †¢ Saving Account †¢ Current Account †¢ Demat Account †¢ Salary Account HDFC Bank has designed two programs to make banking easier for the customers and they are †¢ HDFC Bank Preferred Programme †¢ HDFC Bank Classic Programme. HDFC Bank offers Private Banking services to high net worth individuals and institutions. HDFC Bank offers you quick, economical and convenient options to remit and transfer funds to India. Corporate Banking reflects HDFC Bank’s strengths in providing our corporate clients in India, a wide array of commercial, transactional and electronic banking products. HDFC Bank acts as an active medium between the government and the customers by means of various services. 2.7 CURRENT ACCOUNT IN DETAIL: Features Benefits: [pic]Free Account to account funds transfer between HDFC Bank accounts Free payment and collection through RTGS. Free payment and collection using NEFT (through Net banking) Free up to 50 Demand Drafts per month and can be issued from any HDFC Bank Branch Free up to 50 Pay Orders (PO) per month and can be issued from any HDFC Bank Branch. Free anywhere collection payment transactions (clearing) within HDFC Bank branch network (except Dahej), up to Rs.100 lacs per month. Convenience to withdraw deposit cash at all our branches* Free 300 At Par cheques leaves per month. Register for InstaAlert service and receive updates on your account as and when the select transaction happens all this without visiting the branch or ATM! HDFC Bank offers you Doorstep Banking*, a channel, which is convenient, secure and hassle-free. Now, you can enjoy the benefits of banking right at your doorstep. The Bank will arrange to render the services like Cash Cheque Pickup and Cash Delivery, through a reputed agency. Enjoy facilities like 24-hour Phone Banking, Net Banking and Mobile Banking that helps you check your balance transaction details, find out the status of your cheque or stop cheque payment. Fees Charges for Plus Current Account: Minimum Balance (Average Quarterly Balance)-Rs. 100,000/- Non-Maintenance Charges per quarterCharge of Rs.6,000/- per quarter, if AQB is less than Rs.50,000/- Charge of Rs.1, 500/- per quarter, if AQB is less than Rs. 100,000/- but = Rs. 50,000/- Cheque Book Charges (Issued by Bank)-Payable-at-par Free 300 cheques leave per month. Charges Rs 2/- per leaf beyond 300 leaves Remittance facility through own Bank: Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DDFree up to 50 DDs per month. Above 50 transactions, charges @ Rs. 25/- per Demand draft Pay Orders (PO) on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO Free up to 50 POs per month. Above 50 transactions, charges @ Rs. 25/- per Pay-order Issuance of DD/ PO through Phone BankingAll standard charges for DD / PO are applicable as above. Only DD / PO amount up to Rs 500,000/- are accepted at Phone banking. DD/PO-Cancellation/RevalidationRs.50/- per instrument NEFT/EFT Transactions: Payments-Free CollectionsFree RTGS Transactions: Payments-Free CollectionsFree Local Transactions (At home branch location) : Local cheques collections paymentsFree Account to Account Fund Transfer within HDFC Bank- Free Anywhere Transactions (except Dahej) Account to Account Fund Transfer within HDFC Bank-Free Payments Collections at HDFC Bank Locations-Free up to Rs.100 lacs per month, beyond which charges @ Rs. 0.50/1000, min Rs. 25 Bulk Transaction ChargesAll transactions are subject to a maximum of 250 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anyhwere clearing and transfer transactions Remittance facility through other Bank: Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tieup)Rs.2.00 per Rs.1000/- Minimum Rs.50/- DD-Cancellation / Revalidation-Rs.50/- per instrument Cheque Collection: Outstation through own bankCollection: Free, only courier charges of Rs 20 per instrument Outstation through another bank (Correspondent bank locations) : Rs.4/- per Rs.1,000/-, min Rs.50/-For Clean locations (non-correspondent bank locations) Non-MICR Cheques: Rs.6.5/- per Rs.1,000/-, min Rs 50 (inclusive of courier charge of Rs 25) Cash Transactions : 1. Cash Deposit Cash Deposit-Home Branch Location-Free up to Rs.10 lacs per month or 50 transactions which ever is lower, Deposit in excess of Rs.10 lacs or 50 transactions will be charged @ Rs.2/- per Rs.1,000/-, minimum Rs.50/-. (Cash deposit at non-home branches within home-branch city subject to limit of Rs.100, 000/- per account per day) Cash Deposit -Non Home locationMaximum Rs.100, 000/- per day. Charges @ Rs. 3/1000, min Rs. 50 2. Cash Withdrawal Cash Withdrawal-Home BranchFree at Home Branch Cash Withdrawal-Non Home Branch-Intercity IntracityFree up to Rs.50,000/- per day, beyond which charges @ Rs.2/1000, min Rs.50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs. 50,000/- per transaction. Features Benefits [pic]Free Account to account funds transfer between HDFC Bank accounts. Free RTGS/NEFT Transactions. Free up to 30 Demand Drafts (DD) per month and can be issued from any HDFC Bank Branch. Free up to 30 Pay Orders (PO) per month and can be issued from any HDFC Bank Branch. Free anywhere collection payment within HDFC Bank branch network (except Dahej), up to Rs.50 lacs per month. Convenience to withdraw deposit cash at all our branches* Free 200 At Par cheque leaves per month. Register for InstaAlert service and receive updates on your account as and when the select transaction happens all this without visiting the branch or ATM! Fees Charges for Trade Current Account [pic]Description of Charges Minimum Balance (Average Quarterly Balance) -Rs. 40,000/- Non-Maintenance Charges per quarterCharge of Rs.1,200/- per quarter, if AQB is less than Rs.40,000/- Cheque Book Charges (Issued by Bank) -Payable-at-par 200 cheques leave Free per month. Charges Rs 2/- per leaf beyond 200 leaves Remittance facility through own Bank Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DD Free up to 30 DDs per month. Above 30 transactions, charges @ Rs. 25/- per Demand draft Pay Orders (PO) on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO Free up to 30 POs per month. Above 30 transactions, charges @ Rs. 25/- per Pay-order Issuance of DD/ PO through Phone Banking All standard charges for DD / PO are applicable as above. Only DD / PO amount up to Rs. 500,000/- are accepted at Phone banking. DD/PO-Cancellation/Revalidation-Rs.50/- per instrument NEFT/EFT Transactions: PaymentsFree CollectionsFree RTGS Transactions : PaymentsFree CollectionsFree Local Transactions (At home branch location) Local cheques collections payments-Free Account to Account Fund Transfer within HDFC Bank -Free Anynhwere Transactions (except Dahej) Account to Account Fund Transfer within HDFC BankFree Payments Collections at HDFC Bank LocationsFree up to Rs.50 lacs per month, beyond which charges @ Rs. 0.50/1000, min Rs. 25 Bulk Transaction Charges All transactions are subject to a maximum of 150 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anywhere clearing and transfer transactions. Remittance facility through other Bank Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up) Rs.2.00 per Rs.1000/- Minimum Rs.50/- DD-Cancellation / Revalidation-Rs.50/- per instrument Cheque Collection Outstation through own bankRs. 0.50/1000, min Rs. 25 per instrument Outstation through another bank-Correspondent bank locations: Rs.4/- per Rs. 1, 000/-, min Rs.50/-For Clean locations (non-correspondent bank locations) Non-MICR Cheques: Rs.6.5/- per Rs.1,000/-, min Rs 50 (inclusive of courier charge of Rs 25) Cash Transactions 1. Cash Deposit Cash Deposit-Home Branch Location Free up to Rs.5 lacs per month or 40 transactions which ever is lower, Deposit in excess of Rs.5 lacs or 40 transactions will be charged @ Rs.2/- per Rs.1,000/-, minimum Rs.50/-. (Cash deposit at non-home branches within home branch city subject to limit of Rs. 50,000/- per account per day) Cash Deposit -Non Home location Maximum Rs.50, 000/- per day. Charges @ Rs. 3/1000, min Rs. 50 2. Cash Withdrawal Cash Withdrawal-Home Branch Free at Home Branch Cash Withdrawal-Non Home Branch-Intercity Intracity Free cash withdrawals up to Rs.50, 000/- per day, beyond which charges @ Rs.2/1000, min Rs.50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs. 50,000/- per transaction. HDFC Bank Trade offers you a host of features that sets it apart from regular Current Accounts that most banks offer. They are: Free inter-city clearing between HDFC Bank branch locations (except Dahej) up to Rs.50 lakhs per month. Free Accounts to account funds transfer between HDFC Bank accounts, inter-city. Free up to 30 Pay-orders per month. Free up to 30 demand-drafts per month. Free RTGS NEFT Transactions. Features Benefits Free anywhere collection payment within HDFC Bank branch network (except Dahej), up to Rs.25 lacs per month, incremental amount to be charged @ Rs.1.50 per Rs.1,000/-, min Rs.25/- Free NEFT Transactions. Free RTGS collection. RTGS payment @ Rs.100/- per transaction. Inter-city Account to accounts funds transfer between HDFC Bank accounts at a nominal charge of Rs.15/- per transactions. Free Demand Drafts (DD) above Rs.100,000/-. Demand drafts up to Rs.50,000/- at flat cost of Rs.40/-. DDs above Rs.50,000/- up to Rs.100,000/- at nominal cost of Rs.25/- and can be issued from any HDFC Bank Branch . Free Pay Order (PO) above Rs.100,000/-. Pay Order up to Rs.50,000/- at flat cost of Rs.40/-. POs above Rs.50,000/- up to Rs.100,000/- at nominal cost of Rs.25/- and can be issued from any HDFC Bank Branch . Free 100 At Par cheque leaves per month Register for InstaAlert service and receive updates on your account as and when the select transaction happens all this without visiting the branch or ATM! Fees Charges for Premium C/A Description of Charges Minimum Balance (Average Quarterly Balance) -Rs. 25,000/- Non-Maintenance Charges per quarterCharge of Rs.900/- per quarter, if AQB is less than Rs.25, 000/- Cheque Book Charges (Issued by Bank) Payable-at-par100 cheques leaves Free per month. Charges Rs 2/- per leaf beyond 100 leaves Other Current Account facilities Issue of Duplicate / Adhoc Statement Branch: Rs 100/- per statement * Phone Banking: Rs 50/- per statement (Non IVR) and Rs 30/- per statement (IVR) Net Banking: Rs 30/- per statement ATM Mobile Banking: Rs 50/- per statement. Mode of calculation of minimum average quarterly balance Average of daily closing balances of each day spread over a period of three months. Remittance facility through own Bank Demand Drafts (DD) payable HDFC Bank Locations (Issued from any branch) / Duplicate DD DD Amount Up to Rs. 50,000 charges Rs. 40/- per DD, Above Rs. 50,000 and up to Rs. 100,000- Rs. 25/-, Above Rs. 100,000- Free Pay Orders (PO) -on HDFC Bank Locations (Issued from Any Branch) / Duplicate PO PO amount Up to Rs. 50,000 charges Rs. 40/- per PO, Above Rs. 50,000 and up to Rs. 100,000 Rs. 25/-, Above Rs. 100,000- Free Issuance of DD/ PO through Phone Banking: All standard charges for DD / PO are applicable as above. Only DD / PO amount up to Rs 500,000/- are accepted at Phone banking. DD/PO-Cancellation/RevalidationRs.50/- per instrument NEFT/EFT Transactions: PaymentsFree Collections-Free RTGS Transactions: PaymentsRs. 100/- per transaction Collections-Free Local Transactions (At home branch location) Local cheques collections payments-Free Account to Account Fund Transfer within HDFC Bank -Free Anywhere Transactions (except Dahej) Account to Account Fund Transfer within HDFC Bank Rs.15/- per transaction Payments Collections at HDFC Bank Locations Free up to Rs. 25 lacs per month, Charges at Rs.1.50/1000, min Rs. 25 Bulk Transaction Charges: All transactions are subject to a maximum of 100 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anywhere clearing and transfer transactions. Remittance facility through other Bank: Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up) -Rs.2.00 per Rs.1000/- Minimum Rs.50/- DD-Cancellation / Revalidation-Rs.50/- per instrument Cheque Collection: Outstation through own bank Rs.2.50 per Rs.1, 000/- for Cheques drawn on HDFC Bank Locations, min Rs. 50 per instrument. Outstation through another bank Correspondent bank locations: Rs.4/- per Rs.1, 000/-, min Rs.50/-For Clean locations (non-correspondent bank locations) Non-MICR Cheques: Rs.6.5/- per Rs.1, 000/-, min Rs 50 (inclusive of courier charge of Rs 25) Cash Transactions 1. Cash Deposit Cash Deposit-Home Branch Location Free up to Rs.3 lacs per month or 25 transactions which ever is lower, Deposit in excess of Rs.3 lacs or 25 transactions will be charged @ Rs.2/- per Rs.1,000/-, minimum Rs.50/-. (Cash deposit at non-home branches within home branch city subject to limit of Rs. 25,000/- per account per day) Cash Deposit -Non Home location Maximum Rs.25, 000/- per day. Charges @ Rs. 3/1000, min Rs. 50 2. Cash Withdrawal Cash Withdrawal-Home Branch-Free at Home Branch Cash Withdrawal-Non Home Branch-Intercity Intracity Free cash withdrawals up to Rs.25,000/- per day, beyond which charges @ Rs.2/1000, min Rs. 50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs.50,000/- per transaction. With HDFC Bank Flexi Current Account your Cash Deposit and Anywhere Transaction limits are a multiple of the balance you maintain in your Current Account. So, during peak seasons, you get the benefit of higher transaction limits due to the higher average balances maintained in your account. What’s more, during lean seasons, you need not bother about maintaining huge balances to enjoy high transaction limits, which you anyway may not need. Flexi Current Account requires you to maintain a minimum Average Monthly Balance (AMB) of just Rs. 75,000. Features Benefits Enjoy dynamic free limits on Intercity Payments, Collections Funds Transfer as well as Cash Deposit at home location branches based on the AMB maintained* For example, you maintain an AMB of Rs.2,00,000/- in a particular month. Your dynamic free transaction limits for that month would be as per the following table: [pic] TransactionDynamic Free Limits* Cash Deposit at Home Branch Location Anywhere Payments, Collections Funds Transfer (except Dahej) Free up to Rs.1, 00, 00,000/- in that particular month Pay your vendors on a real time basis using Real Time Gross Settlement (RTGS) available across 23,000 Bank Branches*. What’s more, payments and collections through RTGS are completely free! Make and receive remittances to from your vendors customers across 20,000 + Bank Branches of more than 50 Banks through Net Banking using National Electronic Fund Transfer (NEFT), Absolutely Free! Free 40 Demand Drafts Free 40 Pay Orders issued from any HDFC Bank Branch* Convenience to withdraw and deposit cash at all our branches*. Competitive pricing on Demand Drafts drawn on Correspondent Banking Locations as well as Outstation Cheque Collection at HDFC Bank Locations InstaAlert service receive updates on your account as and when the select transaction happens – all this without visiting the Branch or ATM! The top position is always the coveted position. With the Apex current account, take your business to a new high. On maintaining an average quarterly balance of Rs. 10 lakhs, this account makes sure you make the most of every business opportunities coming your way. Unlimited, free, anywhere Banking experience at the APEX is reserved for you. Features Benefits Maximum transactional benefits with faster mobilization of funds Average quarterly balance requirement of Rs. 10, 00,000/- Access to more than 750 branches Huge cost savings in inter-city transactions for payable-at-par cheque issuance, funds transfers, NEFT, RTGS or Demand Draft / Pay Order Faster collection of outstation cheques Free Intercity Cheque Collection Payments within HDFC Bank Network (excluding Dahej). Free Account to Account funds transfer between HDFC Bank accounts. Free payment and collection through RTGS Free payment and collection using NEFT (through NetBanking) Free Demand Drafts which can be issued from any HDFC Bank branch Free Pay Orders which can be issued from any HDFC Bank branch Convenience to withdraw and deposit cash at all our branches* Free Cash Deposit up to Rs. 100 lacs per month across all home branches (subject to a maximum of 50 transactions per month and a per day limit of Rs.1,00,000/- on cash deposit at a non home branch) Choice of local / Payable at Par Cheques. Free 500 leaves per month Register for InstaAlert service and receive updates on your account as and when the select transaction happens – all this without visiting the branch or ATM! . Fees and Charges for Apex Current Account:[pic] Minimum Balance (Average Quarterly Balance)Rs. 10, 00,000/- per quarter Non-Maintenance Charges per quarter:Charge of Rs.5,000/- per quarter if AQB is less than Rs.10,00,000 but greater than or equal to Rs. 5,00,000/-; Rs.10,000/- per quarter if AQB is less than Rs. 5,00,000/- Cheque Book Charges (Issued By Bank) Payable-at-par 500 cheque leaves free per month. Charges Rs 2/- per leaf beyond 500 leaves Other Current Account Facilities Issue of Duplicate / Adhoc StatementRs. 100 at Branch, Rs. 30 per statement through Net Banking and Phone Banking (IVR), Rs. 50 per statement through Phone Banking (non-IVR), ATM and Mobile Banking Mode of calculation of minimum average quarterly balanceAverage of daily closing balances of each day spread over a period of three months Remittance facility through own Bank Demand Drafts (DD) Payable at HDFC Bank Locations (Issued from Any branch)/ Duplicate DDFree without limit Pay Orders (PO) – on HDFC Bank Location (Issued from Any branch)/ Duplicate PO Free without limit Issuance of DD / PO through Phone Banking-Free without limit Only DD amount up to Rs. 5, 00,000 for Current Apex Account holders accepted at Phone Banking DD/PO-Cancellation/RevalidationRs.50/- per instrument NEFT/EFT Transactions: Payments-Free CollectionsFree RTGS Transactions: Payments-Free CollectionsFree Local Transactions (At home branch location) Local cheques collections paymentsFree Account to Account Fund Transfer within HDFC Bank-Free Anywhere Transactions (except Dahej) Account-to-Account Fund Transfer within HDFC BankFree Clearing Transactions-Collections Payment at HDFC Bank locations-Free Bulk Transaction Charges: All transactions are subject to a maximum of 500 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anywhere clearing and funds transfer transactions. Remittance facility through other Bank Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up)-Free up to Rs 15 Lacs per month, beyond which charges of Rs. 1.50 per 1000, Minimum Rs. 50/- per instrument DD-Cancellation / Revalidation-Rs.50/- per instrument Cheque Collection Outstation Cheque collection on HDFC Bank Locations-Free Outstation Cheque Collection on non-branch locationsCorrespondent bank locations: Rs.3/- per Rs.1, 000/-, min Rs. 50/-. For Clean locations (non-correspondent bank locations) non-MICR cheques: Rs 4.5/- per Rs 1000/-, min of Rs 50 per transaction (includes courier charges) Cash Transactions 1. Cash Deposit Cash Deposit-Home Branch CityFree up to Rs. 100 Lakh per month or 50 Transactions whichever is lower. Deposit in excess of Rs. 100 Lakh per month or 50 transactions will be charged @ Rs.1/- per Rs. 1000/-, minimum Rs.50/-. (Cash deposit at non- home branches within home branch city subject to limit of Rs.1,00,000/- per account per day) Cash Deposit Non Home Branch City Charges @ Rs 3 per Rs 1000/-, minimum of Rs 50 per transaction. (Maximum deposit allowed up to Rs 1, 00,000/- per day) 2. Cash Withdrawal Cash Withdrawal-Home BranchFree. Cash Withdrawal-Non Home Branch-Intercity IntracityFree cash withdrawals up to Rs.2,00,000/- per day, beyond which charges @ Rs. 2/- per Rs.1000/-, min Presenting maximum benefits and minimum hassles for you with Max Current Account! With a Rs. 5 lakhs average quarterly balance requirement, we present to you a world of privileges that helps your business expand and grow. Features like maximum free transaction limits including other beneficial features on this current account truly enhances your business potential to the Maximum. Features Benefits Maximum transactional benefits with faster mobilization of funds Average quarterly balance requirement of Rs. 5, 00,000/- Access to more than 750 branches Huge cost savings in inter-city transactions for payable-at-par cheque issuance, funds transfers, NEFT, RTGS or Demand Draft / Pay Order Faster collection of outstation cheques: Free Account to Account funds transfer between HDFC Bank accounts Free payment and collection through RTGS Free payment and collection using NEFT (through Net Banking) Free Demand Drafts which can be issued from any HDFC Bank branch Free Pay Orders which can be issued from any HDFC Bank branch Free anywhere collection payment (clearing) up to Rs. 5 Crore per month within HDFC Bank branch network (except Dahej) Convenience to withdraw and deposit cash at all our branches* Free cash deposit up to Rs. 50 Lakh per month across all home branches (subject to a maximum of 50 transactions per month and a per day limit of Rs.1, 00,000/- on cash deposit at a non home branch) Choice of local / Payable at Par cheques. 500 leaves free per month Register for InstaAlert service and receive updates on your account as and when the select transaction happens all this without visiting the branch or ATM! Fees and Charges for Max Current Account †¢ [pic]Description of Charges Minimum Balance (Average Quarterly Balance) Rs. 5, 00,000/- per quarter †¢ Non-Maintenance Charges per quarter Charge of Rs.3,000/- per quarter if AQB is less than Rs.5,00,000 but greater than or equal to Rs. 2,50,000/-; Rs.8,000/- per quarter if AQB is less than Rs. 2,50,000/- Cheque Book Charges (Issued by Bank) 500 cheques leave Free per month. Charges Rs. 2/- per leaf beyond 500 leaves †¢ Other Current Account facilities Issue of Duplicate / Adhoc Statement Rs. 100 at Branch, Rs. 30 per statement through Net Banking Phone Banking (IVR), Rs. 50 per statement through Phone Banking (non-IVR), ATM Mobile Banking Mode of Calculation of Minimum Average Quarterly Balance Average of daily closing balances of each day spread over a period of 3 months. Remittance facility through own Bank: Demand Drafts (DD) Payable at HDFC Bank Locations (Issued from Any branch)/ Duplicate DD Free without limit Pay Orders (PO) – on HDFC Bank Locations (Issued from Any branch)/ Duplicate PO Free without limit Issuance of DD / PO through Phone Banking Free without limit Only DD amount up to Rs. 5, 00,000 for Current Max Accountholders accepted at Phone Banking. DD/PO-Cancellation/Revalidation Rs.50/- per instrument NEFT/EFT Transactions: Payments-Free CollectionsFree RTGS Transactions: PaymentsFree Collections-Free Local Transactions (At home branch location) Local cheques collections paymentsFree Account to Account Fund Transfer within HDFC BankFree Anywhere Transactions (except Dahej) Account to Account Funds Transfer within HDFC BankFree Payments Collections at HDFC Bank Locations (except Dahej) Free up to Rs. 500 Lakh per month, beyond which charges @ Rs. 0.50/1000, min Rs.25/-. †¢ Bulk Transaction Charges All transactions are subject to a maximum of 300 transactions per month, beyond which charges @ Rs.5/- per transaction would be levied. Includes all Local / Anywhere clearing and funds transfer transactions. †¢ Remittance facility through other Bank Issue of Demand Drafts (DD) / Duplicate DD (Correspondent tie up) Rs. 1.50 per 1000, Minimum Rs. 50/- per instrument DD-Cancellation / RevalidationRs.50/- per instrument †¢ Cheque Collection Outstation through own bankFree †¢ Outstation through another bank Correspondent bank locations: Rs.3/- per Rs.1, 000/-, min Rs. 50/-. For Clean locations (non-correspondent bank locations) Non-MICR Cheques: Rs. 4.5 per Rs.1, 000/-, min Rs. 50/- (inclusive of courier charge) Cash Transactions 1. Cash Deposit Cash Deposit-Home Branch City Free up to Rs. 50 Lakh per month or 50 Transactions whichever is lower. Deposit in excess of Rs. 50 Lakh per month or 50 transactions will be charged @ Rs.1/- per Rs. 1000/-, minimum Rs.50/-. (Cash deposit at non- home branches within home branch location subject to limit of Rs.1, 00,000/- per account per day) Cash Deposit Non Home City Maximum Rs.1, 00,000/- per day. Charges @ Rs.3/- per Rs.1,000/-, minimum Rs. 50/- 2. Cash Withdrawal Cash Withdrawal-Home BranchFree at Home Branch Cash Withdrawal-Non Home Branch-Intracity Intracity Free cash withdrawals up to Rs. 1,00,00/- per day, beyond which charges @ Rs. 2/- per Rs.1000/-, min Rs.50/- (Only for incremental amount), Third party cash withdrawal allowed only up to maximum Rs.50,000/- per transaction. 2.8 MARKET PROFILE OF THE ORGANIZATION: Company Profile:HDFC Bank Limited Ticker:500180 Exchanges:OTH BOM 2008 Sales:124,140,000,000 Major Industry:Financial Sub Industry:Commercial Banks Country:INDIA Employees:37836 3.1 STUDENT’S WORK PROFILE (ROLE AND RESPONSIBILITIES): I have completed my summer taining in HDFC Bank Limited as a SALES EXECUTIVE. During this training I played some roles and responsibilities are as: ROLE- I have worked as a sales Executive in sales department in HDFC Bank Ltd. My role was to buildup better relationship with Customers. HDFC Bank expects its employees to take up the work of opening current account in their respective locations. My main role was to contact customers and make deal for opening current account, in meeting with customers I represent a demo to customer for current account, are as: RESPONSIBILITIES- †¢ To generate leads for the Bank. †¢ To buildup better relationship with customers. †¢ To increase the sales of the Bank. †¢ To provide awareness about the current account. †¢ To achieve company’s target. 3.2 DESCRIPTION OF LIVE EXPERIENCE: Working with HDFC Bank It was a nice experience. When I entered into the bank, I was very nerves. However after entering I knew the real mean of working with the big organization. We need to follow the rules and regulations of the company. Coming at the exact time in the bank is very important. These things are very important which we need to learn : †¢ How should behave in the organization? †¢ How behave and coordinate with the customer? †¢ How we need to talk to our Boss, our superior and colleges? Working with the HDFC I increased my communication skills. Also I knew the Importance of the coordination among all the employees. All the employees are working as a team. When I was new, the entire employees helped me to learn the work culture HDFC Bank. In this company my work is to buildup the relationship with customers and to provide leads to the company for opening current account and making relationship with the bank. In present time the customers are not very well aware about the HDFC’s products. 3.3 STUDENT CONTRIBUTION TO ORGANIZATION: In this Company I am working as a Sales Executive. In this Organization my role is to buildup better relationship with Customers, and I promote the current account. My contribution towards this organization like: †¢ I provide leads everyday for opening current account. †¢ I make good relationship between Bank and customers. †¢ I provide awareness about the current account through some demos and calling. †¢ I help in making some useful marketing strategies. 1. RESEARCH INSTRUMENT : A questionnaire was prepared with the relevant questions consisting mainly of closed end questions especially dichotomous type which offered the respondents between only two alternatives either (Yes/No). The respondents were personally met and the collection of information was properly administered to avoid non-respondent error. The primary data is collected by cold calling from respected place of branch. The data is collected by using a questionnaire, which is given as an Appendix at the end of this report. 2. SOURCE OF DATA : The study is based on both primary and secondary data. Most of the findings are based on the data collection through interaction with customers. A structured disguised questionnaire is prepared together the information. Close as well as open-ended questions are asked. Some multiple-choice questions are also included. 3. RESEARCH DESIGN AND METHODOLOGY: Main Methodology -: Collection of Primary data (Consumer and Market Research) through Personal Questionnaires Collection of Secondary Data (Study of various Current Account) through Computer Data, Web sites, Books and Magazines. FIELDWORK: The respondents are personally interviewed, for about 3 to 5 minutes on an average to collect the data. The format prepared beforehand was strictly adhered to. Though it was sufficient in itself and could be matched to prospective respondents, personal interviews are conducted to be able to make first hand observation that would reveal some useful information about the subject of study. RESEARCH ANALYSIS: After the collection of data I have categorize the data into – †¢ Primary Data †¢ Secondary Data As we know the data collected in primary mode is more reliable in the comparison of secondary data. So we depend more on the primary data. SOURCES OF PRIMARY DATA: †¢ Survey †¢ Personal SOURCES OF SECONDARY DATA: †¢ Through internet †¢ Branch manager approvals †¢ Personal vehicle dealers †¢ Brochure of the bank 4. SUMMARY OF FINDINGS: The Housing Development Finance Corporation Limited was introduced in 1994, after the Reserve Bank of India approved private sector banking. Operating in over 300 Indian cities, HDFC Bank has over 700 branches and 1600 ATMs. It offers personal, NRI and wholesale banking services. Net profit for the March 2006-2007 reached Rs. 1,141.5 crore. In early 2007, HDFC officially entered the microfinance market and opened branches that provide funding to self-help microfinance group. After finding primary and secondary data I find: 1. Customers don’t know about the advantage of our current account. 2. Customers are less aware about the benefits Providing Company. 3. Customers have no more knowledge about the HDFC Bank limited. 4. HDFC reduces the complexity of current account. 5. HDFC provides best way to earn more profit. 6. HDFC is beneficial for making profit and various types of works. 7. The procedure of HDFC is very easy. [pic] 1. SUMMARY OF LEARNING EXPERENCE: HDFC Ltd has the objective to enhance residential housing stock and promote home ownership. Their offerings range from hassle-free home loans and deposit products, to property related services and a training facility. They also offer specialized financial services to the customer base through partnerships with some of the best financial institutions worldwide. HDFC Bank began operations in 1995 with a simple mission: to be a World-class Indian Bank. We realized that only a single-minded focus on product quality and service excellence would help us get there. Today, we are proud to say that we are well on our way towards that goal. It is extremely gratifying that our efforts towards providing customer convenience have been appreciated both nationally and internationally. So that I learn many important things from HDFC and market are as: 1. I have gained live experience of marketing. 2. I find all types of help from my training in charge. 3. I have gained knowledge in the field of HDFC. 4. I find there are many customers are not aware about the HDFC. 5. I find there are lots of opportunities in the Banking Sector. 2. CONCLUSIONS AND RECOMMENDATIONS: Conclusion HDFC Ltd has the objective to enhance residential housing stock and promote home ownership. Their offerings range from hassle-free home loans and deposit products, to property related services and a training facility. They also offer specialized financial services to the customer base through partnerships with some of the best financial institutions worldwide. HDFC Bank began operations in 1995 with a simple mission: to be a World-class Indian Bank. We realized that only a single-minded focus on product quality and service excellence would help us get there. Today, we are proud to say that we are well on our way towards that goal. It is extremely gratifying that our efforts towards providing customer convenience have been appreciated both nationally and internationally. . Besides we also have a dedicated technical team as well as customer care services and its procedure is also very simple. Recommendations 1. To provides awareness about Current Account and its uses to customers. 2. To open maximum and Big accounts for getting more profit. 3. To target not only metro cities, target all big and small city or village. 4. To build the customer relationship 5. To improve its marketing strategies 6. To improve its selling process [pic] COPY OF QUESTIONNAIRE: 1. Are you aware about Current Account? a. Yes b. No 2. Are you aware about current account providing HDFC Bank? a. Yes b. No 3. Are you aware about HDFC Bank Limited? a. Yes b. No 4. Are you aware about the procedure of Current Account? a. Yes b. No 5. Is HDFC reduces the complexity of Current Account procedure? a. Yes b. No 6. Is HDFC provides you cheap and best way to earn money and to make you a independent owner? a. Yes b. No 7. Are you aware about the profit volume ratio doing business with HDFC? a. Yes b. No 8. Are you interested to open current account in HDFC Bank ? a. Yes b. No BIBLIOGRAPHY: 1. www.hdfcbankltd.com 2. www.hdfc.in 3. www.google.com 4. Business Today 5. India Today [pic] Sales Executive Team Leader Sales Manager Area Sales Manager Area Sales Head Regional Sales Manager Zonal Sales Manager National Sales Manager

Malaysia Is A Multicultural Society Media Essay

Malaysia Is A Multicultural Society Media Essay Introduction Malaysia is a multicultural society of which the population is made up by different types of ethnic groups includes Malays, Chinese, Indian and the Native. In fact, different ethnic groups have their own history, culture, belief system, value and language, there is thus unity among different ethnics is important in Malaysia (Economic Planning Unit, 2011). However, Malaysia has faced racial and ethnic tension due to the socio-economic and cultural differences after the independence of Malaysia in 1957. This racial conflict has lead to the development of several government policies such as the New Economic Policy and National Development Policy. Having realised the importance to maintain and enhance the unity among people of different ethnics, the 1 Malaysian concept was introduced in 2009. Under the notion of 1 Malaysia concept of People First, Performance Now, the government is trying to promote unity in the society by considering fair distribution and access in economic in the country (1Malaysia, 2012). It is therefore very important to promote the 1 Malaysia Concept and encourage the acceptance of the citizens of Malaysia. One way promoting the concept to the public is by means of the mass media. In the past, mainstream media like television, newspaper and radio has played an important role in promoting governments ideology and policies (Hashim, 2011). This thus suggested that media is able to play an important role in promoting the 1 Malaysia concept. It has the capabilities to educate the public on the importance of unity by promoting the understanding and the acceptance of other ethnic culture. . Regardless, the mainstream media in Malaysia always been known as a great contribution on nation-building and social cohesion, rather than on freedom of information (Kenyon Marjoribanks, 2007). It focuses primarily on positive stories reporting that is biased to the political elite (Anuar, 2000). This because most of the mainstream media outlets are basically owned by the government of Malaysia or privately owned by the parties that have close relationship to the Prime Minister or the members of component parties of the Barisan Nasional coalition government (Hassan, 2012). Therefore, the aim of this study is to discuss about the ways of the mainstream media are used to encourage the acceptance of the 1 Malaysia Concept the citizens of Malaysia and whether this approaches will generate the desired outcome. Discussion The mainstream media in Malaysia plays a critical important role in realising 1 Malaysia Concept. The first approach of the mainstream media is used by government as the channel to educate the ideas of 1 Malaysia to the large public. The traditional media such as the television, radio and newspaper have always been the core media of information dissemination (Hashim, 2011). For instances, the largest conglomerate Media Prima as well as a number of television radio channels and Malay, Chinese, English-language newspapers such as Utusan Melayu, The Stars and Sinchew are owned and controlled by the government (Weiss, 2012). As such, the government policies are easily to get any publicity and free space in these mainstream media. The messages of 1 Malaysia Concept from these mainstream media often portrayed the desired images of 1 Malaysia, of which the people of different races live together in harmony (Hassan, 2008). Other than that, mainstream media always has been the supportive bac kbone to the 1 Malaysia Concept as the effort with the government to strengthen peace and harmony in the country. As a supportive argument to the previous discussion, the agenda setting theory explains the powerful influence in the media that able to create public awareness on important issues (Mccombs, 2002). The media cannot tell what the people to think but has the ability to inform the people what to think about (Cohen, 1963). In other words, mainstream media raise the importance of an issue such as 1 Malaysia through the repetition of news (Hashim, 2011). The racial riot that happened in the past has caused Malaysians sensitivity to the issue that is related to ethnicity and races. Thus, national unity has become the top agenda to the public and thus it has become a political discourse in Malaysia. By taking this opportunity, the Malaysia Government has utilised the mainstream media in disseminates the messages and information regarding the 1 Malaysia Concept. Likewise, the government are telling the public the ideas that they wish the public to accept and support. Eventually, 1 Malaysia Co ncept is aims to strengthen the unity and harmony of people from different ethnics. Therefore, the mainstream media has successfully created the perception of the public that unity among differences ethnics as the important agenda in Malaysia which then attract their attention toward the 1 Malaysia Concept. Example in each occasion of the important festival such as Merdeka Day celebration, Hari Raya Festivals, Chinese New Year celebrations and Deepavali, the Prime Minister would deliver the speech with the association with the spirit of 1Malaysia. By that time, every mainstream television channel in Malaysia such as TV1, TV2, TV3, NTV7, 8TV and TV9 will have to broadcast his speech. In another example, we always can see the mainstream newspaper published a full page of advertisement that is related to the 1 Malaysia policies along with the tagline people first, performance now. In addition, mainstream media is being used by government to remind or reinforce 1 Malaysia concept to the public. As we can see, everyday Malaysian citizen and also foreigner have been bombarded by with the messages of 1 Malaysian Concept by the mainstream media. The 1 Malaysia logo is ubiquitous due to mass advertising and commercials in mainstream media (Hashim, 2011). Along with the logo, the tagline people first, performance now has become the identification of 1 Malaysia Concept to the public through the repetition in mainstream media. In fact, mainstream media has help to promote 1 Malaysia by keep emphasise on the tagline since People First, Performance Now in 2009 and the only move on to Generating Transformation in 2010, Transformation Successful People Prosperous in 2010 and till the recent theme Promises Fulfilled in 2012 (1Malaysia, 2012). The purpose is to reinforce perception and behaviours of the public. The repetition of showing the logo and tagline of 1 Malaysia hav e indirectly effect on informing the public what the government is focusing on this concept. The same example can be seen when the public service announcements related to 1 Malaysia are often been aired and published on government and privately owned television, radio and newspaper. The PSA usually related to various ethnic festivals that celebrated in Malaysia and thus signify the meaning that freedom of festival celebration. Nevertheless, mainstream main media has portrayed these different ethnic celebrations the public by showing the Malaysian are celebrating with each other in the festival regardless of race and religion (Hashim, 2011). In addition, we often can see the ministries or any government agencies tied up 1 Malaysia tagline in every program such like 1 Belia, 1 Malaysia by the Ministry of Youth and Sports and other programs such Bantuan Rakyat 1 Malaysia. Thus, the government programs usually connotes with the 1 Malaysia identity by mainstream media. The role of the mainstream media is not just to disseminate the 1 Malaysia Concept but also to advocate and shape the attitudes of the public. In fact, the mainstream media has effectively created bandwagon effect in mass business advertising by using 1 Malaysia Concept. 1 Malaysia has eventually received support from various organisation including profit and non-profit organisation. These organisations usually associate their brands product or service with 1 Malaysia Concept (Hashim, 2011). Television and radio commercials created by businesses organisation would likely to include the message of unity with the presence and the voice of different races and ethnics. The first example of organisation association with the promotion of 1 Malaysia is Petronas Corporation. In fact, Petronas has been famous with their social corporate advertisements with the purpose of promoting national unity. Since 1 Malaysia Concept has been introduced in 2009, Petronas has created the advertisements tha t associate with the 1 Malaysia Concept every year in the major Malaysias festival such as Merdeka Day celebration, Hari Raya Festivals, Chinese New Year celebrations and Deepavali. The messages in the advertisement usually consist of implied meaning and also able to arouse audiences emotion. Furthermore, large national corporations such as Media Prima, Astro, Tenaga Basional Berhad and Telco such as Telekom, Maxis and Celcom have also come up with the commercial that are related to 1 Malaysia Concept. The commercial often tied up with the concept of 1 Malaysia where the messages of unity has been delivered. The commercials are basically known as issue advocacy advertisement which the advertisement is not intended to sell the product or services, but rather to change the publics perception and behaviour through political branding (Barrons Dictionary, n,d). In fact, the commercial by in the mainstream media usually showing Malaysia different races particular Malay, Chinese and Indian interact or either get along with each other. Would it generate the desired outcome? In my opinion, the usage of mainstream media may not able to generate the desired outcome of the 1 Malaysia Concept. By highlighting the mainstream media are used by government to encourage the acceptance of 1 Malaysia Concept, several social science theories have been selected to support on my opinion. According to limited-effect theory, the media rarely have direct influence on the individuals. The theory also explains that an individuals behaviour and attitudes are not easily changed by their reception and people usually tend to ignore political media content. Although mainstream media are used by government to promote 1 Malaysia Concept, it is still not sufficient enough to encourage the acceptance of the citizen of Malaysia. The definition gives an insight that the people in nowadays is no longer passive and vulnerable only to media content. People are able judge the media content according to their own interpretation from what they have perceived. Individual may exposed themselves to mainstream media in their daily routine, but they might not been influence by the 1 Malaysia Concept by merely just looking at it. As indicated in the previous point, the limited-effect theory also explains two-step flow of media influence. Media does not have direct influences to the population which from the mainstream media, the 1 Malaysia Concept are usually affect to the mass population through the dissemination by the opinion leaders. The opinion leaders must be someone that is credible and usually an active media user. People constantly turn to opinion leader for advice particular when come to something that is new in the society like 1 Malaysia Concept instead of getting the source of information from the media. Therefore, mainstream media is less influential compare to the human communication. Moreover, human behaviour attitudes and belief is hard to predict and influences because it may change from time to time. The main factor that determines a person attitude is positive, negative or maybe neutral. A person attitude towards 1 Malaysia Concept might be changed based on the personal experiences, environment and etc. Therefore, the selective exposure explains that people tend to expose themselves to messages that are consistent with their pre-existing attitudes and belief. The mainstream media might be able to influence those who are supportive and have positive perception toward the government policies. However, for those people that tend to have negative attitudes and belief towards the government such as the citizen that support to the opposition political parties, the outcome may be different. If the opinion leader that has been encountered consists of positive or negative beliefs and value towards the government policies, the followers might been influenced by him. Besides, 1 Malaysia Concept has faced up with various challenges including the new media technologies. The uses and gratification theory argued that different people use the media for different purposes (Sheldon, 2007). One of the assumptions of this theory explains that the audiences have the choice to select different kind of media. Thus, the audiences use the media more own their own benefits than the media can manipulate them. The audiences have the right or control to received any information from the media rather than been influenced by it. In fact, people now have much choice of media compare to the past, Mainstream media such television, radio and newspaper has compete with the new media. The internet technologies allow freedom of expression where everyone can write, criticize and comment anything on the internet. The alternative online news organization like Malaysiakini and Malaysia Today who always stand to challenge of the governments effort, aims primarily to present new s, especially from the different perspectives that not already covered by mainstream media (George, 2006). Thus, it has become one of the challenges for 1 Malaysia Concept to be full accepted by public. This is due to the development of internet technologies allow the users closer to the reliable information compare to the other media (Hashim, 2011). Therefore, because of internet, human behaviours changed and mainstream media has been view as a medium to brainwash the audience for the government interest. When 1 Malaysia concept has been shown in the mainstream media, the audiences will tend to doubt about motives behind it. Therefore, the internet has affect the people perception and thus becoming active and sensible media users who do not simply accept and agree with government policies particular has been shown in mainstream media. In addition, most the younger generations are seldom exposed themselves to the mainstream media. On the other hand, mainstream media has become alternative medium for information to some group of people. Internet served as a new inspirational medium of information without barriers. According to Ramasubramaniam (2011) explained people that with minimal interracial direct contact or which their source for information is only the mainstream media are more easily been manipulated by the government policies. The audience that only exposed themselves to only one source of information which had been controlled by the government are more vulnerable to accepting the information from the mainstream media. Conclusion As a conclusion, mainstream media in Malaysia has perceived as an important role in the government policies like 1 Malaysia Concept. This is because most of the mainstream media ownerships are closely tied to the government and ruling political party. Therefore, 1 Malaysia Concept being one of the government policies has the advantage being spread through the mainstream media in the country. The three main approaches of the mainstream media in Malaysia are used by the government are to educate the meaning of 1 Malaysia Concept and thus to reinforce and advocate the acceptance of the concept by citizen of Malaysia. However, these approaches would not bring the desired outcome of 1 Malaysia Concept because only the mean of mainstream media is not sufficient enough to influences the attitudes and beliefs of an individual. Besides, human communication is more effective than mainstream media when particular related to something that is new. The emerging of the new media like internet technologies has also bring a significant impact to the mainstream media, thus it has become one of the greatest challenges for the 1 Malaysia Concept. Therefore, mainstream media is important to educate about 1 Malaysia concept but not to encourage the acceptance of the citizen of Malaysia.

Plants and Superstitions Essay -- Botany

Plants and Superstitions For many years plants have played a large part in superstitions. Although, they are not so much believed now, as they used to be. They were used to help one's fortune, wealth and fertility. It is amazing that bread was ever eaten; there were so many superstitions about it. It was used to aid in all of these things and many more, It is ironic, however, that the one thing they worshipped and used to keep harm and disease away made them ill and killed some of them. When all of this happened they blamed another superstition, which was witchcraft. "Almost all of the witchcraft misunderstandings were caused by Christianity's persecution of those who refused to abandon pagan beliefs" (Zolar, 1995), but not in the case of the Salem Witch trials. In 1692 superstitions somehow became the way of thinking. The misuse of it led to the executions of many innocent people in this country. Witchcraft was the crime, for which they were wrongly accused. Fact Net Inc. (see Internet Source) defines superstitions as "Beliefs held despite evidence. They are based on the belief that some people, Plants, animals, stars, words, numbers or special things have magical powers, which contradicts what we know about the world." A mysterious illness overcame Salem, Massachusetts. Thrashing around, moaning, babbling, and crying made up what were called "convulsive fits," which suddenly occurred in eight girls daily. Hallucinations were also a part of their fits. (see Internet Source). Everyone was terrified. Doctors came to visit, but they did not know much about disease and medicines at that time. One doctor questioned the idea of witchcraft and soon rumors spread that there was a witch in town, or maybe even a group of them we... ...tific thinking has almost swept away the ignorance of superstitions that once kept people from learning about out world. Like in the case of the Salem Witch trials "When minds are poisoned by the ignorance of superstitions, terrible things happen" (see Internet Source). Bibliography Bennett, J.W. 1999. Pride and Prejudice: The story of ergot. Perspective in Biology and Medicine 42 (3): 333-355. Spanos, Nicholas P. 1983. Ergotism and the Salem witch panic: a critical analysis and an alternative conceptualization. Journal of the History of Behavioral Sciences 19 (4): 358-369. Starkey, Marion L. 1949. The Devil in Massachusetts, Alfred A. Knopf, Inc., New York. 39- 48, 138-158. Zolar.1995. Encyclopedia of signs, omens and superstitions. Carol Publishing Group, New York. 50-52,380. Internet Source: http://www.xenu.org/factnet/GEN/FILES/BOOKS/TRUE.TXT