Critical Analysis Of William Blakes A Poison Tree

Anger, frustration, and hate are all emotions that build up the burning wrath inside of our bodies. The more we keep these emotions buried away and fail to communicate them to others, the more the wrath continues to grow until it eventually boils over and by this time it is too late. This concept is defined and illustrated in William Blake’s poem â€Å"A Poison Tree.† This poem directs the readers to the importance of communication and willingness to forgive. The moment the speaker refuses to communicate his or her anger is the point in which the cultivation of the wrath begins. By looking at the concealment of the wrath and the opposition between communication and concealment in addition to the structure developed by tension we see the†¦show more content†¦The anger with the friend never develops because the speaker communicates the anger to the friend and the problems are worked out. With the foe, the speaker does not communicate his or her anger and therefor e the wrath grows. What this opposition does is develop the question of Why are we so easy to forgive a friend that has done us wrong, but not an enemy that has done wrong? This question is never answered in the poem, but gives hints as to why our enemies stay enemies. Along with the first observation of opposition stems a second point of opposition between communication and concealment. In the poem this is the difference in halting the wrath versus growing the wrath. The communication half is only present for the first two lines of the poem, but the concealment runs much deeper because this is only the start for growth. It takes two lines for the communication aspect the develop, yet it takes the concealment the other fourteen lines to burst. This form of opposition compares the two different ways in which the anger was dealt with and contrasts the end results of each, one being a healthy relationship and the other being death. This poem is structured to developed like a metaphoric tree. This is a key element within the movement of the poem because the growth of the tree of wrath develops the movement within the poem. The first stanza develops the planting of the seed of wrath with the words â€Å"I told it not† (4). This lack of communication is the burial of the

A Brief Note On Martin Luther King Jr. - 1750 Words

Martin Luther King Jr. once said to an audience of more than a thousand people, Life s most persistent and urgent question is, What are you doing for others?† My main goal in life is to help those around me, and if I am not helping people, I am trying to think of ways that I can. It is not like I am always trying to figure out what I can do for someone else, but the idea does pop into my head when I see someone in a pinch. The world would be a much better place if people actually helped each other instead of walking away. Since I was a child, I have always planned on becoming a nurse. Later on, as a young adult, I found out that my speciality would be a Diabetic Nurse Educator. I want to be able to make a difference in the†¦show more content†¦Seeing him in pain hurt me. During those times, all I did was try to encourage him and help him through conquering his own demons; I almost lost my own sense of self in the process. I tried to make his life as comfortable as po ssible. To do this I would try to start up positive conversations when he was down or find ways he could improve his eating patterns to help his blood sugar levels. On the other hand, while I was so preoccupied with his well being, I was neglecting my own. For instance, I would stay up on my laptop in my lap during the night with my ears open, listening to his movements until morning, because I would be worried if he would have another diabetic hypoglycemia seizure while he was sleeping. On average, I would sleep a minimum of four hours for the next year. Seeing him struggle through having mental illness and diabetes, I decided I wanted to make my life’s work helping those who were experiencing the same kind of issues. I want to help relieve some pain like I did for my dad, and try to make their lives a tad bit easier to bear in the process. My father would always say because I loved to draw and help people as a child, â€Å"You are either going to become a world renown arti st, or a nurse.† I chose the latter because who would not want to become a superhero who helps save civilian lives? Healthcare is a field that has many specialties like a diabetic nurse educator, midwife, or cardiac specialist. I chose

Finding the Best Write My History Essay

Finding the Best Write My History Essay The New Fuss About Write My History Essay Our essay writers deliver completely free samples for the better comprehension of the students. Writing an essay is a method of conveying your opinions about a specific issue to. Be sure that your essay has an introduction, a body, and a conclusion. As a result, if your argumentative history essay topics aren't handled satisfactorily, you're absolutely free to request corrections. With this kind of a foundation, you are going to write the paper in no moment. Therefore, nobody can learn that you buy a history essay sample from us. For you to think of content for your paper you have to have detailed information concerning the event under description. In the event you cannot find your subject here, don't hesitate to have a talk with our staff and put an order for a customized history essay on your distinct subject. Your customized essay will always be written in line with the instructions on your purchase essay order form. An ill-defined topic won't ever create a great paper. The topic sentence will aid in the debut of the idea to the reader. There are several examples of history essay topic that you might be requested to write on, and thus, it is better to become familiarized with quite a few topics. Top Write My History Essay Choices Narratives are memorable since they have structure. There are a lot of reasons why Christianity flourished in the period between the conclusion of the very first century and Diocletian's Great Persecution at the beginning of the fourth. Subjectivity in history is dependent on what the present society consider about the previous civilizations. Work on the essay for 30 minutes each day. Narratives bring closure on an important objective. Students may find all of the necessary data and data from our tutorial materials. They lead busy lives and often forget about an upcoming deadline. They can explore our site further for more information. Choosing Write My History Essay Somewhere in that creative mess, you are going to get an idea which works. For this reason, you must concentrate on one possible future. Furthermore, you might want to review logos, pathos, and ethos alongside logical fallacies. There's a means to make academic writing fun. Ideas, Formulas and Shortcuts for Write My History Essay You've got into university to read history, among the most fascinating subjects on offer. Knowing a nation's history gives someone a very clear picture of the overall facets of a nation. It plays a big roll in our family because you come together and share those experiences and talk about them for the rest of your lives. Essay writing service provides numerous credits. Our experts will offer them helpful strategies for conducting a research. Most importantly, they have several years of expertise. Our history experts are certain to complete drafting the solutions a day before the last submission. They will solve all their issues in the following manner. You may also read articles about how to write. When you surf our site for recommendations that might help you write your own essay, you will come across many helpful tips. Online writing websites offer you a simple way from a challenging situation. Begin your own article today. Many facets of their lives may coincide with lots of your own. Writing about your hobbies and interests and things that you do not like is quite informative too. The objectivity in history is thought of as the investigative practice in taking relevant information regarding the past. Your competence in writing also improves over time when you learn how to go through the works of different authors as you will acquire familiarized with the suggested format and prevent common errors in writing.

Compare and Contrast Medicaid and Medicare free essay sample

They are social insurance programs, which allow the financial load of patient’s illnesses to be shared by other healthy, sick, wealthy, and lower income individuals and families. Medicaid Medicaid insurance covers approximately 60 million Americans, according to their income. Medicaid is larger than any other single private health insurance program. The criteria for participating would include those who are unable to work due to disabilities, anyone who receives Aid to Families with Dependent Children (AFDC), as well as single, pregnant women who fall below the Federal Poverty Level (FPL). In 2011, the FPL for a family of four was set at $22,350. This amount is updated yearly. Medicaid also helps those who are part of the Supplemental Social Security Income (SSI) program (Mann, 2012). Funding for Medicaid comes from the government as well as each state’s department of SSI. They are also responsible for administering funds. Medicare Medicare is a federal government program that offers individual health care insurance to those who are 65 or older, and/or have a disability, no matter what their income level. We will write a custom essay sample on Compare and Contrast Medicaid and Medicare or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Taxes that are deducted from one’s payroll helps pay for the Medicare program. The Medicare program has four parts; Parts A, B, C, and D. Part A is the original program for hospitalization and requires no monthly premium to be paid. Some physicians do not accept Medicare patients because of low payout rates, longer reimbursement time, and limitations put on physicians for the way they are allowed to perform procedures. Other reasons are that many claims are denied and there is too much paperwork involved (Vineyard, 2010). IMPACT ON HEALTHCARE PROFESSIONALS One of the main issues affecting healthcare professionals is the challenge these programs have in finding physicians who are willing to treat patients who are covered by Medicaid or Medicare. The reimbursement rates are generally very low, and each program actually pays out differently; Medicaid doctors are only paid 66% of what Medicare doctors are paid for primary care. In the United States, doctors are not required to accept Medicaid patients, and many refuse to do so. Only 40% of physicians accepted new Medicaid patients in 2008 (Results. org, n. d. ). Not every physician accepts Medicaid patients; some states have been reducing funds for the program for years. In a study in 2009, they studied the errors caused by lack of efficiency, unwarranted use, procedures that were avoidable, and fraud and abuse. They discovered that about a third ($700 billion) of the annual health care spending as a whole was wasteful. Instead of trying to fix that problem, many states just cut money out of the Medicaid program (Siegel, 2011). Medicaid patients have fewer options for medical care compared to those with private insurance plans. One of the main challenges for physicians treating Medicaid patients is their difficulty in referring patients, especially children, to specialists. The reimbursement issues also cause many physicians to opt out of accepting Medicaid patients.

Cattle Industry Essays - Cattle, Beef, Livestock, Meat Industry

Cattle Industry Our actual treatment of the cattle mirrors our social problems such as how we are in a very fast paced society these days, and because the cattle country has grown with it, hamburgers are now fast and convenient. Since it moves with the speed of society, it causes us not to stop and look at what damage we are doing to the life around us. The more and more people buy into this American cattle culture, the more of a problem we are going to have as a society. This also causes us to become more desensitized with our own actions. The less that we have to think about our actions, the less that it will hurt. The more fast paced that the cattle industry moves, the less time we will have to think about it, much like society today. According to Rifkin, we are so concerned with our society being at the cutting edge that we are not looking at the problems that it is causing to the ecosystem, environment, starving people, and the health and well being of the American citizens that eat the beef. G etting the beef out on the market has become so important that meat is not even inspected closely anymore. We are more concerned with selling it than worrying about someone becoming sick, which to me is a significant social problem. Sociology Issues

Complete Guide on How to Write a Case Brief

Complete Guide on How to Write a Case Brief You’ve heard a lot about a case brief in your class at law school. What is it? And why do students hate this case brief so much? We are going to come through the process of writing together to help you deliver excellent content. How to write a case brief? Actually, the word â€Å"brief† serves different purposes in law. Now we are talking about a case brief that prepared typically by law paralegal students and other people studying law; it's a summary of the key points in a court decision. Usually, that's going to be in an appellate court decision; this paper is really short and typically takes a page or less. Why do we need briefing? The main point is to understand some basic principle of law, how it is being applied to a particular set of facts. The second reason is preparing for finals; you will apply this experience to your final exam. What should you write about in your casebook? Order Case Brief Standard Case Brief: Its Structure Title Reporter Publisher Court Year Procedural posture (how it got to the court of appeal) Statement of facts (narrative story) Issues of appeal (issues that were decided on appeal) Arguments (arguments on each side) Policy implications (different ways that the judged could have gone) Black letter law (rule of law) Rationale (appellate that judges used to make a decision) Dissents (any particular dissenting or concurring opinions) How to Write a Case Brief: Step By Step Guide Standard advice says you should open such paper with the case citation: put the name of both parties, which is usually something like â€Å"Jones versus Smith†. The opening lines include publisher, source. Write a court that made the decision and the year when final opinion was published. Statement Facts The first part is going to be setting out each fact. You must distinguish what facts really matter for the court decision. Here we disregard information that doesn’t have any bearing of a court decision. Reading the facts that case is dealing with helps to eliminate elements that are not relevant to the court’s decision. Identify facts established at trial. Procedural History In order to develop this section, answer the key questions: What court issued this opinion? How did the case get there? Find out, whether the case comes up from the trial court on appeal or it comes from another appellate court. The procedural history doesn’t matter unless the case turns on something that happened in procedural history. Issue It is the key question the court has to decide in a field of law. Note that it is a legal question. You must spot the issue and articulate the jest in a question. Now, fortunately for the students and people reading these cases, the courts usually are very helpful as all cases start with the words identifying the issue. For example, â€Å"the issue we face today is whether...† Frequently, the court will state that legal issue. It is a problem presented to the trial, and the court is going to be struggling with. The answer is to determinate who wins the case. In some briefs, we might put the holding. It’s a concise part, consists of 1-2 words to answer fundamental question. Rule It is a set of law that judges use to decide a particular case; it may include more than one rule depending on how complicated is the issue or how many problems it involves. In most situations, judges must consider a couple of different rules: it depends on the facts; the judges will discuss these rules; including all the important points in the front of your paper is crucial. Application Sometimes people call it analysis or reasoning. In this section, you should explain the choice of judges. Keep in mind the facts and put them together with the law they have used. The court will state what each party contends. Read the parts attentively; it helps to identify how the court applies the law to the issue. Conclusion It is a short statement saying the court affirmed or reversed the case and held for the appellant, appellee or defendant. However, the parties are designated. It’s time to say who won and who lost. Order Your Paper Brief in 11 Steps Read the case carefully. Do it twice. Identify facts. Choose the best brief format. Find a proper form. Create an outline. It’s your plan to stick for not being lost in writing. Elaborate every part of your paper. Describe rational, explain disposition in your own words. Find another opinion to include in your casebook. Remember that your paper must respond to a particular style format! Check the grammar. Re-read the paper in 1-2 days. Look with a fresh eye. Find out how the case relates to other similar cases. Give the answer whether you agree or disagree with the court? And how might it have been decided? By using the case brief, we have better understanding of law principles. Standard thinking says the more cases you read, the more you will be able to think like a lawyer. And it's certainly true! You will read lots and lots of cases, and the practice makes things simple. It's a good idea to get what goes into specific case, why a judge decided the particular way. You may learn how to use cases in your practice as both a sword and shield when you're litigating a particular idea. It can be even a different way for you to study.   There are no doubts that you’ll create the top-notch paper following our pieces of advice. Don't have much time for working on your new assignment? We know you’ve already prudent in a case brief making and other written tasks. Let our professional team do the entire job for you while you enjoy your student’s life! Contact us easily by email address or fill in the order form.

The Tort Misuse of Private Information Essay Example | Topics and Well Written Essays - 4500 words - 1

The Tort Misuse of Private Information - Essay Example â€Å"It may be hardly doubted that the lack of a clear legal remedy in respect of the non-consensual disclosure of personal information is one of the most serious lacunae in English Law† 3 Radical developments in breach of confidence have been ushered-in since The Human Rights Act 1998, and privacy, confidentiality and information sharing are now covered comprehensively under this Act. In the UK there has been no specific right with reference to ‘privacy’ and this concept is evolving. The provisions with regard to privacy are found in breach of confidence and human rights legislation. For example, there is the reach of confidence involved in situations where a duty of confidence exists. The English Courts have established, in many cases, publishing unauthorized photographs or information constitutes a breach of confidence. Interception of mail and telephone calls were subject to statutory regulation, but the statutory basis was not established until Police Act 1997 came into force. (to privacy) is â€Å"in accordance with the law†. That phrase simply means that there had to be some proper statutory authority for the interference†¦ This led to Parliament enacting Regulation of Investigatory Powers Act 2000 (RIPA), which formalized all State surveillance operations against its citizens. 4 In Kaye v Robertson which involves a well-known actor  who had undergone extensive surgery and was in the hospital when he was  photographed and allegedly interviewed by a tabloid newspaper. His rights could not be  protected by an action for breach of privacy. The Court  of appeal noted that the case â€Å"highlighted, yet again, the failure of both the common law and of the statute to protect in an effective way the personal privacy.

Should hate speech and hate sites be banned from the internet Essay

Should hate speech and hate sites be banned from the internet - Essay Example A website that promotes or uses hate speech against race, community, gender, person, religion, nationality etc is called a hate site. The people who are responsible for putting these things on the internet; not only take use text but graphics, sounds and animations are also used to influence their readers more. It might be used to convince people to join a certain group of people who work against some concepts or people, for e.g.; StormFront.org hosts a hate site against Martin Luther King, Jr who was an American activist and a leader. More House College (2008) states that he is famous for his contributions in the African-American civil right movements. In the above mentioned site, content full of hate is written about the activist and claim that there is a long list of wrong actions done by him. The website terms him â€Å"modern day plastic God†. Such offending content about the man is possible due to the much proposed concept of â€Å"freedom of speech†. This concept focuses on the freedom of writing or saying anything that an individual feels is correct. This verbal freedom also gives the writer the freedom of speech without being accountable for doing it. But what these people fail to understand is that with freedom of speech comes gereat responsibility as well. They have a responsibility to only convey the message which would not offend anyone or harm anyone in life. There are approximately 4 billion web pages on the internet therefore it is very difficult to ensure that no hate content is pated on them. There are different ways in which this problem is handled by different countries. For e.g. Media Awareness Network (2009) states that according to the Canadian Human Rights Act Section 13, any text communicated by any telecommunication means (including internet) that may promote hatred towards a person or any of the following things is prohibited; Akdeniz et

Republicans Warn Washington to Think Twice About Legalizing Marijuana Article

Republicans Warn Washington to Think Twice About Legalizing Marijuana - Article Example Nevertheless, various limitations appear in the Act, an instance that makes Congress retain substantial jurisdiction over the district. In addition, the Rule provides that Congress can enact laws for the District on any issue. Experts claim that the limitations in the enactment are meant to protect the capital of the federal government. However, I strongly find these encroachments rather annoying. Over the years, various attempts have been made to restrain the actions of Districts on issues pertaining to abortion and medical marijuana. However, it emerges that the interferences are platforms for politicians to make political statements meant to resonate with voters in their congressional districts. As such, the action fails to consider the fact that the city has its needs. The argument in question is not just the legalization of the drug per se; instead, it is about the power of non-resident congressional representatives of the District reversing decisions reached by the voters. I believe that the Capital is a unique region that plays a vital role in the functions of the government, an aspect that makes congressional oversight important. Nonetheless, it is imperative that congressional representatives should use the provided oversight powers appropriately and detest from overruling the district’s electorate decisions for individual political

Effect of Social Media on Travelling

Effect of Social Media on Travelling Social media and how it changes the world. Introduction. The definition of social media is a websites or an application that enable user to create and share content or to participate in social networking. there are platforms for social medias such as Facebook , Twitter , Youtube, Tumblr , Instagram , Schoology and etc. One of the function for Facebook is that one can post a status and pictures while instagram too can upload picture and recording video for 15 second for the world to see. Instagram , facebook too have social networking . Users can leave a comment or if they like their pictures or status. Users can give a LIKE too. Social media also can give information to the traveler and also to those who are doing business too. with social media it has changed the world in various ways. Method of Literature selection. I have conducted an electronic database search through Tunku Abdul Rahman University Colleges digital library and I have used the ACM Digital Library . The keyword that I used in the online database include social media, travels and tourist. I have also conducted searches on the How Big is the Crowd? Event and Location Based Population Modeling in Social Media archive, SocRoutes: Safe Routes Based on Tweet Sentiments archive, Event detection over twitter social media streams archive, Using Social Media to Find Places of Interest: A Case Study archive, GoThere: Travel Suggestions using Geotagged Photos archive and Near2me: An Authentic and Personalized Social Media-based Recommender for Travel Destinations. I have chosen only the articles that were published within 5 years ago. The three articles which I have chosen to reference on were selected based on the relevancy to the topic of the essay. Social media for travelling Social media is so popular these days and it is frequently used by the young and the old. Some of the purposes of the usage for social media is to get information about traveling, places that are popular and famous, places that usually attract tourists which in other term, it is also called the tourist attraction. One of the function that social media has is called GeoTag. Geotaggingcan help users search and found out all kinds of location-specific information. Social media can also let users check into all the places that they have been to and leave a trace to show and prove that the particular user has been there before. Users can also leave some comments or critiques about the visited places so that the other users can get feedbacks, information and know better about that particular place and maybe too can find out about the services or products provided there, whether or not it is good or bad. Social media is not only for lifestyle, it is also for tourist guidance and to let them know more about the history of the place. As an example, one application that has these functions is called Foursquare. Social media can also let users share information via twitter to other users so that they can know whether if the route they are taking is experiencing a traffic jam or not so that other users can choose either to go the usual route or go for an alternative way to reach their destination. Social media can too let users share information about the weather condition to others so that other users are able to know whether a particular place is drizzling, raining heavily, sunny, windy, snowing or just nice. Of course in Malaysia, there will not be any snowing going on. Anyway, in short social media can let users connect to each other. The other example of what social media can do is that social media can let users know whether if their friends are nearby them via Foursquare check in. Since they are able to know where their friends are and if they found out that their f riends are nearby, they could simply just go to where their friends are just to greet and chit chat a little while. The other function of social media is that one can share information worldwide through the internet. In my opinion social media has turned travelling easier and more convenient for travelers around the world. First and foremost, I think that social media can connect people around the world. This is based on the article How Big is the Crowd? Event and Location Based Population Modeling in Social Media. It is stated that recently the emerged social network services like Facebook, Twitter, and Foursquare are some of the largest and fastest growing web communities, offering an immense platform for connecting people (Yuan Liang, James Caverlee, Zhiyuan Cheng, Krishna Y. Kamath 2013). I also think that social media can let travelers and tourist find popular places and events. Based on the writer of Event detection over twitter social media streams and Using Social Media to F ind Places of Interest:A Case Study, they claimed that there are 190 million geotagged Flickr photos and this kind of data is used to detect events, find popular places and tourist routes automatically(Steven Van Canneyt, Steven Schockaert, Olivier Van Laere, Bart Dhoedt 2012) and also in some cases, for example, for crisis management and decision making, monitoring some of the critical events over social streams can let the watch officers to analyze the whole situation carefully and accurately. This enables them to make the right decision based on the details shown over the social streams. They can easily identify what is exactly happening, where that particular event is taking place at and of course, who are those involved in it. (Xiangmin Zhou, Lei Chen 2013). Social media also helps travelers to find out and know more about a particular place based on the writer that writes the article GoThere: Travel Suggestions using Geotagged Photo. Assumptions made about tourist attractions is that those are the places that are often photographed and geotagged. Geotags annotated to photos have been exploited and used for many different things. For example, geotags annotated to photos are used for mapping geotags to places and also for suggesting recommendation of travel itineraries (Abdul Majid, Ling Chen, Gencai Chen, Hamid Turab Mirza, Ibrar Hussain 2012). Last but not least, the social media world is so advanced that someone actually created a prototype using social media for recommending places for tourist personal interest. Based on the writers of this article, they claimed that this prototype can allow users to explore, evaluate, and understand recommendations, control recommendation direction and discover informative supporting material (Christoph Kofler, Luz Caballero, Maria Menendez_, Valentina Occhialini, Martha Larson 2011). In my opinion, I think social media is very useful for travelers as it helps a lot in providing useful information, tips and feedbacks one needs for traveling. Conclusion In conclusion, social media can do a lot stuffs. It not only can be an immense platform that can help people connect to each other, it can also be an informative space for travelers and tourists to help them find useful information and tips about popular places and events. It really is a great help for the travelers to understand what they should be expecting before they go for a vacation at a particular place. This is how social media changed the world. Reference Abdul, M, Ling, C, Gencai, C, Hamid, M Ibrar, H 2012, GoThere: Travel Suggestions using Geotagged Photos, WWW 12 Companion Proceedings of the 21st international conference companion on World Wide Web, pp.577-578. Christoph, K, Luz, C, Maria, M, Valentina, O Martha, L 2011, Near2me: An Authentic and Personalized Social Media-based Recommender for Travel Destinations, WSM 11Â  Proceedings of the 3rd ACM SIGMM international workshop on Social media, pp. 47-52. Steven, C, Steven, S, Olivier, L Bart, D 2012, Using Social Media to Find Places of Interest: A Case Study , GEOCROWD 12:Proceedings of the 1st ACM SIGSPATIAL International Workshop on Crowdsourced and Volunteered Geographic Information, pp. 2-8. Xiangmin, Z Lei, C 2014, Event detection over twitter social media streams,The VLDB Journal — The International Journal on Very Large Data Bases,Vol.23, pp. 381-400. Yuan L, James, C, Zhiyuan, C Krishna, K 2013, How Big is the Crowd? Event and Location Based Population Modeling in Social Media, HT 13Proceedings of the 24th ACM Conference on Hypertext and Social Media , pp. 99-108.

Forces in a Rolling Boat :: Physics Boating

Every boat has a degree of roll from which she can no longer recover. Two forces are locked in combat for a ship about to capsize: the downward push of gravity and the upward lift of buoyancy. Gravity is combined with the weight of the vessel and everything in board-crew, cargo, fishing gear- seeking the center of the earth. Buoyancy is the force of all the enclosed air in the hull trying to rise above water level. On a evenly balanced and stable ship, these two forces are equal and cancel out each other, but all of this changes when a boat gets shoved over her side. Instead of being equal, the two forces are offset. The center of gravity stays the same but the center of buoyancy migrates to the submerged side, where more air has been forced below the waterline. With gravity pushing down to the center and buoyancy pushing up from the submerged side, the ship pivots on its center and returns to an even keel. The more the ship heels, the farther apart the two forces act and the more leverage the center of buoyancy has. To simplify, the lateral distance between the two forces is called the righting arm and the torque generate is called the righting momentum. Boats want a big righting momentum so they will right from extreme angles of keel. The righting momentum has three main implications. First of all, the wider the ship the more stable she is. The next thing is how tall the ship is. The taller the ship, the more likely she is to capsize. Finally, there come the point of no return, were the boat can no longer right itself. To most it seems like this would happen when the boat’s deck has reached a 90 degree angle to the water, but in truth, trouble comes to the boat a lot sooner.

Human Nature and Discontent in King Lear †Unfinished Essay

The Elizabethans believed, or pretended to believe, that the natural world reflected a hierarchy that mirrored good government and stable monarchy. Even our scientific age talks about â€Å"laws of nature† and â€Å"good government through good laws. † Shakespeare’s era contrasted â€Å"nature† and art, just as one can consider an essential â€Å"human nature† contrasted with culture. As well, Shakespeare’s era distinguished â€Å"natural† and â€Å"unnatural† behaviors; the latter would include mistreating family members, opposing cultural, political, religious, and social â€Å"norms†, as well as presenting the eternal question of fate. King Lear identifies familial relationships and their flaws, questions whether human society is the product of nature or technology, and whether human nature is fundamentally selfish or generous. More than just a consistent theme in the play, this concept of â€Å"nature† in society and practice reveals the core of human nature. In King Lear, nature itself is also an object of controversy. Often used to identify things that are pure, true and peaceful, nature is known also as a device used for the cruel and explicit actions by all things evil or unfortunate. King Lear presents a dichotomy of good and evil, and Shakespeare hopes the reader will consider the harsher, two-faced qualities of nature in his tragedy. The connection between human beings and the â€Å"natural world† is often neglected. Why? Perhaps the concept of a similarity between humans and brute nature repels â€Å"civility† or advance in society; this explains the extreme use of animal imagery as offense in the play. Thus, it is reasonable to ask, what constitutes this highly offensive and scorned â€Å"unnatural† behaviour? According to passages in King Lear, the most common fault of and insult to a human, is to ill-treat family, and more specifically, powerful and royal family. This is evident when a very offended Lear condemns his daughter Cordelia’s unsatisfactory praise, to her suitor, the King of France: â€Å"? T’avert your liking a more worthier way than on a wretch whom Nature is ashamed? † (Act 1, Scene 1, line 210) Here, King Lear almost personifies â€Å"Nature†, and as something capable of passing judgement: a strict division between the proper and acceptable action versus the intolerable one. The concept of nature representing justice and truth is also apparent in the sub-plot when Gloucester denounces Edgar as his son, followed by his praise for Edmund’s loyalty: â€Å"? Loyal and natural boy, I’ll work the means to make thee capable? † (Act 2, Scene 1, line 83) Thus, the notion of nature as a compliment or praise is similar to society’s view of normalcy. Traditionally and contemporarily speaking, tolerance and acceptance within a community is strictly connected with standardization, and predictability. The Fool, with his sly and witty remarks, portrays a perfect example of this unpredictable and unexpected speech: â€Å"? Truth’s a dog must to kennel; he must be whipp’d out when the lady’s Brach may stand by th’fire and stink.. † (Act 1, Scene 4, line 105) Throughout the play, Edmund’s connection with nature is extremely confusing, and uncommon in his class, deeming his very existence â€Å"unnatural† from the start. As the plot progresses, his role swings back and forth from â€Å"natural† to â€Å"unnatural†, depending on his actions. This is somewhat unusual, as most characters are classified as good or bad, natural or natural, within their first few lines in the play, and here the reader is forced to constantly make assumptions and form opinions about Edmund. More obvious attempts at opposing the â€Å"norms† in King Lear include Cordelia’s modest praise of her father, the Duke of Albany’s eventual recognition and action against the ploys of his wife and her sister, and Kent’s protective disobedience to Lear.

Animal Farm as a History essays

Animal Farm as a History essays ...But some are more equal than others... Ever since Animal Farm by George Orwell was first published in 1945, a small, subconscious voice has uttered this phrase to urge the rethinking of equality. This closing thought and the events of Animal Farm closely parallel the history of the Russian Revolution and Communist Russias first steps. An allegory can evoke a unique and enlightening view of a famous historical event. Through symbolism in this allegory, communism is analyzed from another perspective. Old Major, an aged boar symbolic of Marx and Lenin, shares with the farm animals his dream of a golden future. The Animalist revolution of which he spoke soon occurred. After Mr. Jones, the owner of the farm, gets drunk and neglects to feed the animals for three days, the animals break into the food stores and chase Jones off the farm. The animals revolution against Mr. Jones clearly represents the Russian Revolution of 1917. In the book, Mr. Jones represents Czar Nicolas II, who lived a life of luxury and ignored his suffering people. Similarly, Mr. Jones was often intoxicated and ignored the animals. Historical connections made themselves known very early in the book. The animals were ecstatic upon acquiring the farm, but it soon became clear that organization and rules were needed to maintain order. The pigs, who considered themselves the smartest on the farm, took it upon themselves to lead the animals. Orwell clearly used satire when representing the communist leaders as pigs (not very respectable animals). Soon, there was a skirmish between Mr. Joness men and the animals as the humans tried to retake farm, but the animals were victorious. The Battle of Cowshed, as it was dubbed, represents the White Russian Revolution, in which non-communists attempted to regain control of Russia and overthrow communism. One of the heroes in this battle was Snowball, a boar who had led the attack but was grazed ...

The Functions of Boldface

The Functions of Boldface The Functions of Boldface The Functions of Boldface By Mark Nichol Boldface type, which has a heavier weight than, meaning it is thicker than, roman type, is employed to provide emphasis but has a prescribed set of uses. This post outlines those uses. In running text- the default wording in a piece of context, as opposed to display copy, which consists of headings, subheadings, captions, footnotes, sidebars, and other special text- boldface is appropriate only in certain circumstances. In printed and online publications, it is most often employed in educational contexts, where newly introduced terms may be bolded, or styled in boldface, to signal to a reader that such terms are key to understanding the topic under discussion. For example, in textbooks, words introduced as new vocabulary are often formatted in boldface within the running text. At the beginning of each chapter or section, these words may be listed in a sidebar, and they may be defined in footnotes or in a glossary, or list of terms and definitions, at the end of the section or the book. In most other cases, using boldface in running text is an aesthetic choice, often for humorous effect or, for example, to represent shouting in a children’s storybook. Display copy is often boldface to distinguish it from the running text, although such content is generally styled in a different font and in larger point sizes for that reason. Run-in subheads or sideheads- those that begin a paragraph or a section of type rather than appear on a line above it, and that are generally formatted the same point size as the rest of the paragraph or section- are often boldfaced to distinguish them from the narrative that follows. (Such subheads are, alternatively, often italicized.) Punctuation following a run-in subhead, whether a period, a colon, or a dash, should also be boldface. And when, for example, glossary terms are boldfaced, if punctuation follows each term before the definitions, the punctuation should be boldfaced. This is also true for figure headings (where, for example, â€Å"Figure 1.† or â€Å"Figure 1:† precedes the title of the figure) and captions, where directional terms such as above or left may be boldfaced or where a run-in heading may precede a caption’s explanatory text. However, in running text, punctuation that follows a boldfaced term, because it is associated with the surrounding text, not with the emphasized element, is not boldfaced. (This is true even if the boldfaced term is enclosed in parentheses or bracketed by a pair of commas or dashes.) Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Style category, check our popular posts, or choose a related post below:50 Slang Terms for MoneyCapitalization Rules for Names of Historical Periods and MovementsIs "Number" Singular or Plural?

Accounting Education and the Development of Ethical Maturity Essay

Accounting Education and the Development of Ethical Maturity - Essay Example This is where the role and inclusion of ethics education in accounting becomes important. This discussion draws on the connection between accounting education and the development of ethical maturity and suggestions to possible alternative approach to traditional accounting education are also evaluated considering the work of pioneering authors in the field. There has been substantial research on accounting education and ethical development and how one could be related to the other. In a latest release by the International Federation of Accountants (IFAC), the importance of ethics education has been highlighted. Academic institutions use different methods and levels of ethics education and place varying degrees of emphases on ethics teaching when students take courses in accounting. Adkins and Radtke (2004) discuss the difference between student perceptions of business ethics and how they are fundamentally different from perception of accounting faculty members. The advantages or disa dvantages of teaching business ethics to final year accounting students have been examined by O’Leary (2008) who reports data on a class of 155 students who were given five ethical scenarios on which to make ethical decisions and the students were then subject to different methods of ethical instruction. Some weeks later, the class students were again given the original ethical scenarios and in all cases, the mean responses were more ethical after the ethical instruction when compared with scores obtained prior to the ethics education. It seems the combined effects of ethical instruction have positive impact on ethical decision making and in general, ethics education could be highly beneficial. The goals and effectiveness of business ethics have been studied effectively although there have been controversies as to how far accounting faculty members are committed to accounting ethics education and how far accounting institutions are interested in adding ethics modules in busin ess courses. Smith and Smith (2005) described the ethics presentation to accounting and business students and highlighted the fact that the major corporate failures of Enron and Worldcom as a result of questionable accounting practices led to the necessity of ethics as important in the working of business and accounting. Financial statement analysis and regulatory requirements are central to doing business and Smith and Smith described the development and assessment of one approach to presenting ethics with a computerized slide show. The show was aimed to increase students' understanding of the role of ethics in accounting and business practice and following the presentation, the students reported a better recognition of the importance of ethics in accounting and business. Education in ethics teaches student to practice actions that are morally correct and this helps student not juts in school but also later in life while they work in corporations. There are claims that accounting education fails to adequately equip students to deal with ethical issues and accounting education in general is incomplete for the overall moral development of students. Thus there is a need to add business ethics as a module in accounting education. An information paper was released by the International Accounting Education Standards Board (IAESB) in 2006 and this paper was based on a global research project on education of ethics in accounting and stimulated discussion and debate on the values of an ethics education in the accounting profession. The paper tried to answer questions on the use of ethics,

Modernisation Essay Example | Topics and Well Written Essays - 2500 words

Modernisation - Essay Example As a result of this each unit focused on a specific task and was directly accountable for it. Cowper (2001) goes on to say that post 1997, in the second phase of the reform process, the labour Government headed by Tony Blair has focused on 'partnership and collaboration within the public sector.' The focus he says has " shifted from outputs to outcomes, and there is a drive to take a longer-term view in policymaking and a consumer view in service delivery." A significant aspect of modernization has been the introduction of technology to the various areas of work. Consumerist orientation of the public sector has also been an area of focus. According to Schofield, (2003) The biggest challenge for the public sector is to ensure high quality service within a limited budget. Along with these aspects comes the key area of employee relations. As the structure and focus of the organization changes, the impact is likely to be felt most by the people who work in the organization. This paper focuses on the implications of this modernization agenda on public sector industrial relations Using the available research and publications on the modernization of the public sector and public service employment relations, this paper will begin by looking at the need for modernization and the key objectives of modernization. The next section will focus on the changing face of industrial relations in the age of modernization. The focus will then shift to the significance of employee relations in the present era. Based on the findings of Dr. Stephen Bach's paper titled 'HR and new approaches to Public Sector Management: Improving HRM Capacity' (2000) and Lynette Harris' paper titled, 'UK public sector reform and gaining commitment to the 'performance agenda," (2003) this section will deal with some of the challenges that lie ahead in the modernization or reform focus. The key issue raised will be the need for better Human resource Management Practices to ensure better employee relations and greater job satisfaction. What is Modernisation According to the Policy Brief, Organisation for Economic Co-operation and Development (2005),Today Governments all over the world are under increasing pressure to open up to public scrutiny and be more accessible to the people who elected them. It was with a view to cater to this public demand , increase public trust in the Government and to improve the quality of services offered by the public sector that the Government , Cowper (2001) says introduced its modernizing agenda with a 5 point programme: a. to make policy making more evidence-based b. to make services more responsive, more coherent public and focused on the user; c. to deliver high quality, efficient public services; d. to introduce information age, on-line government including the first corporate IT strategy for government to value and reward public service with a program of Civil Service reform e. and greater diversity in recruitment As Cowper (2001) points out, the driving force behind the modernization agenda is the outcome. This model focuses on the result for the user in terms of their life or business and for the government in terms of social or economic or political change. It is not just in the United Kingdom but across the world that public sector management is in a flux. According to a white

Graduation Speech Essay Example | Topics and Well Written Essays - 1250 words

Graduation Speech - Essay Example On the other hand, it is a day of joy given that we have finally come to the end of the journey we began 14 months ago. Today's event is the reason why each and every one of us has been here for the past 14 month. Therefore it is a time to celebrate our achievement. In May 2006, when we, cohort 4, commenced our studies, today was a far away dream. The thought of graduation itself was still extremely distant - there was no light at the end of the EMBA tunnel, only the beginning of a journey to a destination about which we were still unsure. We have great diversity in the group. Diverse in terms of gender (we have all the women from Iceland), age (26 to 48), experience, employment type (private, family, and corporation) and even unemployed member(s), political views (from support for Bush to French liberalism), 12 nationalities and sexual orientation ... WE'VE GOT IT COVERED! When we all first met at the end of May 2006, we did not know what to expect and what we would gain and lose on our journey. Therefore, I will now share the microphone with Ghosson, who will guide you through the experiences that have made today possible. Ghosson: Thank you Martin. This school is exceptional in giving the students a truly international point of view not only in business. Traveling to several places, we have learnt to open our minds. So now let us compare our assumptions with the reality. Traveling with SouthWest airlines in the US gave us the opportunity to see, how employee empowerment works in reality and how customer service expectations differ among people and nations. Visiting WTO in Geneva helped us to understand the state of affairs of international negotiations. Can you imagine 20 years ago people from the East, the far East and the very far East and the West sitting around the table with two African people, who are explaining to us why Russia and US cannot agree with each other in Doha round Exploring Beijing and Shanghai proved to us that China is a global player we have to take into account; some of us discovered the world of not only foot massage and pre-Olympic fever but also their exceptional customer service. Drawing our travels to a close in Moscow we were reminded that knowing the history (of a place) can help us to understand that even the most distant and unknown of things can be great if you make the effort to explore them. Seeing the ballet, visiting museums, dining in a casino are experiences that we will not forget. Thanks the diversity of our origins we have enough locations for reunions to last us several years, let us hope we meet in some of them and continue broaden our horizons. At the very beginning Beth Stoops gave us the most advanced English training and pushed us out of our comfort zone by teaching "Advanced Business Communications". We got to know that the right answer in most of the cases is - IT DEPENDS. In combination with the course called the "Communicating and Negotiating in a Multicultural World" taught by Denis Leclerc, taught us that "you become

Valentine’s Day Essay Example for Free

Valentine’s Day Essay Valentine day to me is a day full of love. It doesn’t matter if you don’t have a partner to share it with ,there people in your life that LOVE you like your mom, dad , brother , sister , uncle, aunt ,friends you have someone that LOVE you. And people you LOVE , we all live busy life forget sometime to really show someone or some people that you truly love them not because you don’t want to, its just life can go by so fast it good to have at least one day to stop think spread LOVE. You don’t have to buy anything special flower , candy , teddy bear etc using your voice to say a simply i LOVE you how much you are thankful to have them in your life there LOVE. Flowers always die , Candy gets eaten , teddy bear soon get in the way are thrown away but the words you said are remember kept in mind. Words are so powerful. So don’t stress on getting the perfect gift if you truly love this person they love you just as much all you need is each other , don’t stress if you don’t have a valentine or a boyfriend or girlfriend you could celebrate this day of LOVE with just about anyone you LOVE. The common saying is why don’t you show this person LOVE everyday why it has to be on valentine day , i understand that you should do that well at least make sure you say i love you cause you never know if that be the last time you could, were only human and tend to forget things get over whelm with LIFE. I am sure you forget to show people how much you love them to the fullest everyday.

What employers are looking for in a job applicant? :: essays research papers

What employers are looking for in a job applicant? Finding a job, whether it is the first, a return to work after years at home, or just another step in the career, is never easy. Most job seekers have a distorted sense of an employer’s priorities in making hiring decisions. Too many applicants put the emphasis on educational credentials and ignore the qualities employers seek with the keenest interest. What do employers look for in job candidates? What impresses them the most? Knowing what an employer wants and expects in job applicants can help them to prepare themselves for the interview. Experienced interviewers typically value maturity and stability. The way an applicant relates to the interviewer and the way he handles interview questions, follow-up calls and call-backs presents opportunities for an employer to observe and evaluate these subtle but critically important qualities. They can not be taught and there is no substitute. Loyalty is another very important quality an employer is looking for. Even loyal people switch jobs from time to time. But the people who do that once a year for no compelling reason lack loyalty to the companies that took chance in hiring them. Sure, exceptional circumstances warrant quick job switches, but a pattern of short stints is a dead gateway of a lack of loyalty. Employers simply can not afford to invest valuable training time, resources and compensation on workers who routinely stay less than two years. How an employee grooms and dresses is an excellent indication of his level of self-respect and respect for a professional business environment. Employers are humans, they would rather work with clean, neatly-dressed people than with slobs. Diligence and reliability are the qualities that hardly need explanation. Telltale signs include arriving on time for the interview, calling at the promised time or day, conscientiously following up in providing promised information. Employers need people who demonstrate enthusiasm and energy. They look for people who are willing to take the initiative to perform their job. If an employer feels that he will be constantly telling an employee to do something, he will likely not hire an applicant. Another reason for why an employer let an employee go is because the worker does not get along with others. Creativity is very important to most employers, because in business situations with customers, employees often have to respond to sudden changes and unfamiliar problems.

Vietnam Essay -- essays research papers

Vietnam War   Ã‚  Ã‚  Ã‚  Ã‚  The Vietnam War was truly one of the most uncommon wars ever fought. This conflict was so hostile and ironic, that the official beginning and end could never be identified, or pinpointed. Likewise, the enemies and the allies looked exactly alike. This turmoil made everyone in the war confused, because â€Å"anyone† could be a friend by day, and foe by night. Additionally, what made the war so difficult was the tactics used by many soldiers. These tactics were called â€Å"Guerrilla Warfare,† which consisted of the simple process of â€Å"hide, shoot, and run.† Surprisingly, this fighting technique matched the skills of many of the best-trained soldiers from the opposite side.   Ã‚  Ã‚  Ã‚  Ã‚  The Vietnam War fought between the communist North Vietnam, and the non-communist South Vietnam was supported by the United States. The main objective of the war was to contain the leader. Ho Chi Minh, was the leader of the â€Å"league for the independence of Vietnam,† generally known as the Viet Minh. The league was organized in 1941 as a â€Å"nationalistic party†; their goal was to seek Vietnamese independence from France.   Ã‚  Ã‚  Ã‚  Ã‚  South Vietnam did not have the resources of modern military technology; therefore, the capacity of depending on themselves, was minimum. The United States were allied with South Vietnam, and they made a massive deployment, that begun in the spring of 1965. The deployment consisted of and initial wave of... Vietnam Essay -- essays research papers Vietnam War   Ã‚  Ã‚  Ã‚  Ã‚  The Vietnam War was truly one of the most uncommon wars ever fought. This conflict was so hostile and ironic, that the official beginning and end could never be identified, or pinpointed. Likewise, the enemies and the allies looked exactly alike. This turmoil made everyone in the war confused, because â€Å"anyone† could be a friend by day, and foe by night. Additionally, what made the war so difficult was the tactics used by many soldiers. These tactics were called â€Å"Guerrilla Warfare,† which consisted of the simple process of â€Å"hide, shoot, and run.† Surprisingly, this fighting technique matched the skills of many of the best-trained soldiers from the opposite side.   Ã‚  Ã‚  Ã‚  Ã‚  The Vietnam War fought between the communist North Vietnam, and the non-communist South Vietnam was supported by the United States. The main objective of the war was to contain the leader. Ho Chi Minh, was the leader of the â€Å"league for the independence of Vietnam,† generally known as the Viet Minh. The league was organized in 1941 as a â€Å"nationalistic party†; their goal was to seek Vietnamese independence from France.   Ã‚  Ã‚  Ã‚  Ã‚  South Vietnam did not have the resources of modern military technology; therefore, the capacity of depending on themselves, was minimum. The United States were allied with South Vietnam, and they made a massive deployment, that begun in the spring of 1965. The deployment consisted of and initial wave of...

Management information system Introduction

IntroductionThe nature of implementation failure in information systems can typically range from project scenario development to final implementation.  The implementation failures range from concept generation stage where the idea is conceived, to defining budgets, software modifications and use of external consultants carefully.  The following sections describe the factors which directly or indirectly influences the system implementation failure.The implementation failure of an information system largely depends on the system project itself and the various external and internal factors which influences its existence and self being (Heeks, 2002). The various aspects which can be attributed for implementation failures are the following:1.  Ã‚   Top management leadership issues: The participation and interest of the higher management in getting the system implemented well through the initiation phases. The degree of ownership is largely lacking when it comes to active participati on and commitment.a.   Business case development failure: The commitment of higher management towards answering the business workflow model questions and simplifying the flow of their business is largely lacking. The amount of passion and determination impact the failure of the implementation.Solution: Defining the events of requirements gathering in terms of business words such as time, effort and money would make them aware of the implementation issues and their contribution in successful development of the system.b.   Lack of focus and involvement: After the system development project is provided to a vendor, it is usually taken for granted that the responsibilities of the top management is finished at that point and the vendor is completely responsible for getting across the ideas and come up with a deliverable.  Solution: Understanding the systems development process which solely involves the business flow model and their active participation.c.    Lack of proper metric s to determine performance:   Often the value added resources in the organization has an undefined cost associated with it. The cost of quality, inventory levels, throughput and flow, overall equipment effectiveness, on-time deliveries and customer satisfaction measures must be translated into time and cost.  Solution: Appropriate attachment of value to intangible resources in an organization must be done at all levels.2.  Ã‚   People issues:   The change management issues of people in an organization are quite responsible for implementation failures.a.  Ã‚   Averse towards change: The primary factor is the minds of people for whom the technology is implemented. If they are not able to take the change in a positive manner in affecting their working habits, the system would be rendered useless (Casey, 2005).Solution: Accepting the real world or digital challenges by the people to understand the positive challenges concerned with system output and employee output. The amount of long term success which a system would guarantee is unknowingly outstanding to organization.b.  Ã‚   Low Trust in system: The output level of the organization’s processes after the implementation of the system is taken as a probable issue and accounts for its failure.Solution: System must be operated in right spirit for its well being and use.3.  Ã‚   Deployment methods:a.  Ã‚   Weak deployment strategies: The strategies which are enforced in deploying the system in the organization is challenging to the general working of the present system. The correct ascertainment and the management perspective to the process for implementation and deployment of the system in the organization would be an important element in its success. The phased implementation seems to be always the best; however an information system and the associated organization must be well synchronized to implement the change.Solution: Determination by the software vendor in collaboration with the highe r management for deployment is a big issue which requires experience and commitmentb.  Ã‚   Lack of documentation and training:   The lack of documentation would result in mismanagement of information and project related activities. The lack of training would make the employees feel uncomfortable to the systems operations and functions (Laudon, 2002).  Solution : Proper attention to documentation and training must be taken care.ConclusionThe implementation failures rest on the shoulders of both the organization and the software vendor. Enough collaboration and positive differential thinking on both ends would result in making the right moves for implementation and reduce system failures.References / BibliographyCasey, Dermot (2005). Understanding the Situation ofInformation Systems Development Failure: A role for Pragmatism.Heeks, Richard (2002). Failure, Success and ImprovisationOf Information Systems Projects in Developing Countries.Laudon C. Kenneth and Jane P. Laudon (2002 ),Management Information System, 6th ed New York: Tata McGraw Hill.

Water for Elephants Book Club Discussion Questions

'Water for Elephants' Book Club Discussion Questions Water for Elephants by Sara Gruen is a must read a story about a 90-year-old man remembering his days with a circus during The Great Depression. Use these book club discussion questions on Water for Elephants to lead your book clubs conversation on the story.Spoiler Warning: These book club discussion questions reveal important details about Water for Elephants by Sara Gruen. Finish the book before reading on. Book Club Questions Water for Elephants moves between a story about a circus and a story about an old man in a nursing home. How do the chapters about the older Jacob enrich the story about Jacob’s adventure with the circus? How would the novel be different if Gruen had only written about the younger Jacob, keeping the story linear and never describing Jacob’s life as an old man?Did the chapters about the nursing home change how you think about older people? In what ways are the doctors and nurses condescending? How is Rosemary different? How do you treat older people?In chapter two, the twenty-three-year-old Jacob starts his story by telling us he is a virgin. From the cooch tent to the erections the older Jacob gets when being bathed, sexuality is woven into the whole story. Why do you think Gruen added these details? What role does sexuality play in Water for Elephants?When you first read the Prologue, who did you think murdered the man? Were you surprised by who the actual murderer was ?The book begins with a quote from Horton Hatches the Egg by Dr. Seuss: â€Å"I meant what I said, and I said what I meant†¦An elephant’s faithful- one hundred percent!† What is the role of faithfulness and loyalty in Water for Elephants? How do different characters define loyalty? (Jacob, Walter, Uncle Al). Why does Jacob get so mad about Mr. McGuinity lying about carrying water for elephants? Do you see any similarities of temperament between the young Jacob and the old Jacob?In what ways is Water for Elephants a survival story? A love story? An adventure?Water for Elephants has a happy ending for Jacob, but not for many other characters. Discuss Walter and Camel’s fates. How does tragedy fit into the story?There is an â€Å"us and them† mentality in the circus between performers and workers. How does Jacob bridge these two classes of people? Why does each group hate another group? Does the circus merely mirror society in an exaggerated way?Are you satisfied with the end?In the Author’s Note, Gruen writes that many of the details in the story are factual or come from circus workers’ anecdotes. These true stories include the hippo pickled in formaldehyde, the deceased fat lady being paraded through town and an elephant who repeatedly pulled out her stake and stole lemonade. Gruen did extensive research before writing Water for Elephants. Was her story believable? Rate Water for Elephants on a scale of 1 to 5.

A Competitive Analysis of Trading in Reliance Money

A Competitive Analysis of Trading in Reliance Money Free Online Research Papers ACKNOWLEDGEMENT Preservation, inspiration and motivation have always played a key role in the success of any venture. In the present world of competition and success, training is like a bridge between theoretical and practical working; willingly I prepared this particular Project. First of all I would like to thank the supreme power, the almighty god, who is the one who has always guided me to work on the right path of my life. I would like to thank Mr. Sandeep Saini (Centre Manager) for granting me permission to undertake the training in their esteemed organization. I also thanks to Mr. Arpan Sethi (finance Head), Mr. Vikas of Reliance Money for their time-to-time guidance and support in completing the project. I also thank the other staff of Reliance Money, Ambala who devoted their valuable time by helping me to complete my project. I express my sincere thanks to Dr. Raj Kumar Goyal (Director) and Mr. Adrash aggarwal (Head of department), Ms. Neetu Menhdiratta (Faculty Guide) of M.B.A. department, for the valuable suggestion and making this project a real successful. Last but not least, my sincere thanks to My Parents and Friends who directly or indirectly helped me to bring this project into the final shape. VIPIN GOYAL DATE:- PREFACE â€Å"A good broker system must be able to cope with an extremely complex and dynamic environment.† The microstructure of the stock market in which brokers work is highly dynamic and volatile. Many stocks are available to be bought and sold, each exhibiting its own patterns and characteristics that are highly unpredictable. With so many options and considerations that need to be taken into account, it is an extremely difficult task for a broker to investigate aspects of the stock market and consistently provide effective advice to their clients. Thus, brokers perform their day-to-day tasks with the aid of a broker system. Such a system should provide tools for interacting with exchanges and performing analysis. As a consequence, these broker systems are quite large and complicated by themselves. This research aims to analysis Stock broker on the basis of their services, products, growth, and their competitiveness. Because Stockbrokers are one of the main participants in stock exchanges worldwide, they often act as an agent for their clients, making trades on their behalf. They also act as advisors, providing suggestions to their clients on what stocks to buy and sell. EXECUTIVE SUMMARY There is growing competition between brokerage firms in post reform India. For investor it is always difficult to decide which brokerage firm to choose. Research was carried out to find which brokerage house people prefer and to figure out what people prefer while investing in stock market. This study suggests that people are reluctant while investing in stock and commodity market due to lack of knowledge. Main purpose of investment is returns and liquidity, commodity market is less preferred by investors due to lack of awareness. The major findings of this study are that people are interested to invest in stock market but they lack knowledge. Through this report we were also able to understand, what are our Company’s (Reliance Money) positive and strong points, on the basis of which we come to know what can be the basis of pitching to a potential client. CONTENTS Declaration Acknowledgement Preface Certificate by Company Executive Summary CHAPTER 1 INTRODUCTION TO TOPIC 1 CHAPTER 2 LITERATURE REVIEW 2 CHAPTER 3 RESEARCH METHODOLOGY 3-6 Objective of the study Type of the research Sample design Sample area Sample unit Size of sample Sources of data collection Survey method Limitations of the study CHAPTER 4 INTRODUCTION TO INDUSTRY 7-16 Major Players in the Region ? Karvy ? ICICI Direct ? Indiainfoline ? HDFC Security ? Indiabulls Comparison with Competitors Market Share CHAPTER 5 INTRODUCTION TO COMPANY 17-30 Management Team of the company BOD of the company Vision Mission Highlights of company Organization Structure Products CHAPTER 6 DATA ANALYSIS FINDINGS 31-47 Data analysis Findings CHAPTER 7 SUGGESTIONS 48 CHAPTER 8 CONLUSION 49 Bibliography 50 Appendix 52-54 INTRODUCTION TO TOPIC I In most industrialized countries, a substantial part of financial wealth is not managed directly by savers, but through a financial intermediary, which implies the existence of an agency contract between the investor (the principal) and a broker or portfolio manager (the agent). Therefore, delegated brokerage management is arguably one of the most important agency relationships intervening in the economy, with a possible impact on financial market and economic developments at a macro level. In most of the metros, people like to put their money in stock options instead of dumping it in the bank-lockers. Now, this trend pick pace in small but fast developing cities like Chandigarh, Gurgaon, Jaipur, Ambala etc. My research is based on the residents of Ambala and its nearby areas. As the per-capita-income of the city is on the higher side, so it is quite obvious that they want to invest their money in profitable ventures. On the other hand, a number of brokerage houses make sure the hassle free investment in stocks. Asset management firms allow investors to estimate both the expected risks and returns, as measured statistically. There are mainly two types of Portfolio management strategies. 1. Passive Portfolio Strategy 2. Active Portfolio Strategy 1. Passive Portfolio Strategy: A strategy that involves minimal expectation input, and instead relies on diversification to match the performance of some market index. A passive strategy assumes that the marketplace will reflect all available information in the price paid for securities 2. Active Portfolio Strategy: A strategy that uses available information and forecasting techniques to seek a better performance than a portfolio that is simply diversified broadly. LITERATURE REVIEW 1. Dr. Jayanta Kumar Seal explore equity trading in India was basically a floor-based activity in the BSE. Traditionally, stock trading was done through stock brokers, personally or through telephones. As the no. of people trading in stock market increased enormously in last few years, a no. of stock brokers comes in the field, thus increasing further competition. Due to this, there come new innovations in trading. In this scenario, the existing players are left with two options-either to change their product offerings or to perish. 2. Ravinder Kumar Nidhi Walia found Indian investors are more conservative; they do not adopt any change easily. Till now just few investors can be recognized who are using technology for online stock trading. Traditional traders still prefer to choose broker as a stock trading mechanism because they are more loyal to their broker. Online trading empowers educated investors to make their own decisions with close watch on market sensitivity by browsing through various sites. 3. Ms. Nidhi Walia explores that with IT fueling economy, internet is adopted as effective tool in catalyzing the business activities. Latest developments in information technology have altogether changed business done traditionally. As financial system is becoming more complex it has become need of hour, where investor should comprehend the data and understand recent intricacies of online trading. In Indian context, e-trading is relatively new concept, which has yet to gain some significant meaning. In the past, investor had no option to get market information except to contact local broker. But internet trading in stock trading is becoming medium of exchange whereby investor can order stock exchange on simple mouse click sitting at his place. Keeping in view current market requirement an attempt has been made in this research paper to analyze current status of online trading in Indian scenario. 4. Mr. Ajay Kumar through this research finds which brokerage house people prefer and to figure out what people prefer while investing in stock market. This study suggests that people are reluctant while investing in stock and commodity market due to lack of knowledge. Main purpose of investment is returns and liquidity, commodity market is less preferred by investors due to lack of awareness. The major findings of this study are that people are interested to invest in stock market but they lack knowledge. RESEARCH METHODOLOGY Objective of Study Each research study has its own specific purpose. It is like to discover to Question through the application of scientific procedure. But the main aim of our research to find out the truth that is hidden and which has not been discovered as yet. Our research study has following objectives:- Primary Objective: To know about the competitive position of the Reliance Money in competitive market. Secondary Objective: 1. To know the market share of different players in Share Market. 2. To study the services offered by different players to the customer. 3. TO access how Reliance Money is better than others competitors. 4. To check satisfaction level of customers of different players. TYPES OF RESEARCH The research is based on Descriptive and Qualitative research. Descriptive Research: Descriptive research includes surveys and fact finding enquires of different kinds. The major purpose of descriptive research is description of the state of affairs as it exists at present. Researcher has no control over the variables of this type of research. Qualitative Research: The research needs comparison between different stock brokers. So this is based on all qualitative data. In short, Qualitative research is especially important in the behavioral sciences where the aim is to discover the underline motives of human behavior. Through such research we can analyses various factors which motivate to people to behave in a particular manner or which make people like or dislike a particular thing. SAMPLE DESIGN â€Å"A sample design is a definite plan for obtaining a sample from a given population. It refers to the technique or the procedure the researcher would adopt in selecting item for the sample† Generally Sample designs are two types 1. PROBABILITY SAMPLE DESIGN 2. NON PROBABILITY SAMPLE DESIGN In the research Non-probability research design is used. SAMPLING AREA Sampling area may be a geographical one, such as state, district, village etc. The researcher will have to decide one or more of such area that he has to select for his study. In this research study Ambala as a sampling area. SAMPLING UNIT Sampling unit may be defined as an individual, pair or group of persons included as respondent. In this research study General Investors are the sampling units. SIZE OF SAMPLE â€Å"This refers to the number of items to be selected from the universe to constitute a sample† In the present research sample size is 100. But the research also study the 5 stock broker companies related to security commodity market like India-infoline, ICICI direct, HDFC-securities, Karvy consultant ltd. and indiabulls for the appropriate collection of the information. SOURES OF DATA COLLECTION While deciding about the method of data collection to be used for the study the researcher should keep to types of data. 1. Primary Data. 2. Secondary Data. Research uses primary data, as well as secondary data. Primary means collected as fresh, and the first time data and secondary means which are already available like annual report, magazines, internet, previously researches etc. SURVEY METHOD Survey refers to the method of securing information concerning phenomena under study from all or selected number of respondents of the concerned area. In a survey the investigator examines those phenomena which exist in the universe independent of his action. Research uses the Questionnaire Method. LIMITATIONS OF STUDY ? As only Ambala dealt in survey so it does not represent the view of the total Indian market. ? Size of the research may not be substantial. ? There was lack of time on the part of respondents. ? The survey was carried through questionnaire and the questions were based on perception. ? There may be biasness in information by market participant. ? Complete data was not available due to company privacy and secrecy. ? Customer dissatisfied with the services. ? People fear that as Reliance Money is a Private company so their money is not secured. ? Insurance means LIC for people. ? Misguidance by agents. ? Lacks of motivation as false commitments were made to customer by the company. INTRODUCTION TO INDUSTRY The emergence of stock market can be traced back to 1830. In Bombay, business passed in the shares of banks like the commercial bank, the chartered mercantile bank, the chartered bank, the oriental bank and the old bank of Bombay and shares of cotton presses. In Calcutta, Englishman reported the quotations of 4%, 5%, and 6% loans of East India Company as well as the shares of the bank of Bengal in 1836. This list was a further broadened in 1839 when the Calcutta newspaper printed the quotations of banks like union bank and Agra bank. It also quoted the prices of business ventures like the Bengal bonded warehouse, the Docking Company and the storm tug company. Between 1840 and 1850, only half a dozen brokers existed for the limited business. But during the share mania of 1860-65, the number of brokers increased considerably. By 1860, the number of brokers was about 60 and during the exciting period of the American Civil war, their number increased to about 200 to 250. The end of American Civil war brought disillusionment and many failures and the brokers decreased in number and prosperity. It was in those troublesome times between 1868 and 1875 that brokers organized an informal association and finally as recited in the Indenture constituting the â€Å"Articles of Association of the Exchange†. On or about 9th day of July, 1875, a few native brokers doing brokerage business in shares and stocks resolved upon forming in Bombay an association for protecting the character, status and interest of native share and stock brokers and providing a hall or building for the use of the members of such association. As a meeting held in the broker’ Hall on the 5th day of February, 1887, it was resolved to execute a formal deal of association and to constitute the first managing committee and to appoint the first trustees. Accordingly, the Articles of Association of the Exchange and the Stock Exchange was formally established in Bombay on 3rd day of December, 1887. The Association is now known as â€Å"The Stock Exchange†. The entrance fee for new member was Re.1 and there were 318 members on the list, when the exchange was constituted. The numbers of members increased to 333 in 1896, 362 in 1916and 478 in 1920 and the entrance fee was raised to Rs.5 in 1877, Rs.1000 in 1896, Rs.2500 in 1916 and Rs. 48,000 in 1920. At present there are 23 recognized stock exchanges with about 6000 stock brokers. Organization structure of stock exchange varies. 14 stock exchanges are organized as public limited companies, 6 as companies limited by guarantee and 3 are non-profit voluntary organization. Of the total of 23, only 9 stock exchanges have been permanent recognition. Others have to seek recognition on annual basis. These exchange do not work of its own, rather, these are run by some persons and with the help of some persons and institution. All these are down as functionaries on stock exchange. These are 1. Stockbrokers 2. sub-broker 3. market makers 4. Portfolio consultants etc. 1.) Stockbrokers Stock brokers are the members of stock exchanges. These are the persons who buy, sell or deal in securities. A certificate of registration from SEBI is mandatory to act as a broker. SEBI can impose certain conditions while granting the certificate of registrations. It is obligatory for the person to abide by the rules, regulations and the buy-law. Stock brokers are commission broker, floor broker, arbitrageur etc. Detail of registered brokers Total no. of registered brokers as on 31.03.2008 Total no. of sub-brokers as on 31.03.2008 9000 24,000 2.) Sub-broker A sub-broker acts as agent of stock broker. He is not a member of a stock exchange. He assists the investors in buying, selling or dealing in securities through stockbroker. The broker and sub-broker should enter into an agreement in which obligations of both should be specified. Sub-broker must be registered SEBI for a dealing in securities. For getting registered with SEBI, he must fulfill certain rules and regulation. 3.) Market Makers Market maker is a designated specialist in the specified securities. They make both bid and offer at the same time. A market maker has to abide by bye-laws, rules regulations of the concerned stock exchange. He is exempt from the margin requirements. As per the listing requirements, a company where the paid-up capital is Rs. 3 crore but not more than Rs. 5 crore and having a commercial operation for less than 2 years should appoint a market maker at the time of issue of securities. 4.) Portfolio consultants A combination of securities such as stocks, bonds and money market instruments is collectively called as portfolio. Whereas the portfolio consultants are the persons, firms or companies who advise, direct or undertake the management or administration of securities or funds on behalf of their clients. MAJOR PLAYERS IN THE REGION 1. Karvy 2. ICICI direct 3. Indiainfoline 4. HDFC security 5. Indiabulls KARVY KARVY is a premier integrated financial services provider, and ranked among the top five in the country in all its business segments, services over 16 million individual investors in various capacities, and provides investor services to over 300 corporate, comprising the who is who of Corporate India. Karvy has a professional management team and ranks among the best in technology, operations and research of various industrial segments. History of Karvy The birth of Karvy was on a modest scale in 1981. It began with the vision and enterprise of a small group of practicing Chartered Accountants who founded the flagship company, Karvy Consultants Limited. They started with consulting and financial accounting automation and carved inroads into the field of registry and share accounting by 1985. Since then, Karvy utilized its experience and superlative expertise to go from strength to strength, to better their services, to innovate, diversify and in the process, evolved as one of India’s premier integrated financial service enterprise. PRODUCT AND SERVICES OF KARVY GROUP 1. Karvy comtrade. 2. Karvy consultant ltd. 3. Karvy merchant banking. 4. Karvy global services ltd. ICICI DIRECT ICICI Web Trade Limited (IWTL) maintains www.icicidirect.com (herein after referred to as the Website) whereas IWTL is an affiliate of ICICI Bank Limited and the Website is owned by ICICI Bank Limited. IWTL has launched and established an online trading service on the Website. PRODUCTS AND SERVICES OF ICICI DIRECT 1. Investing in Mutual funds 2. Personal Finance 3. Customer Service Features 4. IPO’s 5. Margin Trading 6. Margin PLUS Trading 7. Call Trade 8. Trading on NSE/BSE 9. Trade in derivatives INDIAINFOLINE SECURITY PRIVATE LTD India Infoline.com Securities Pvt. Ltd. is a wholly owned subsidiary of India Infoline.com Ltd and is the stock broking arm of India Infoline.com. The subsidiary was formed to comply with regulatory guidelines. www.5paisa.com is a focused website for online stock market trading. 5paisa.com is a trade name owned by the India Infoline.com group. IILSPL has applied for trading membership of the BSE under Securities and Exchange Board of India (Stock Brokers and Sub-Brokers) Rules 1992. IILSPL is in the business of providing broking services online via the Internet (E-broking Services) and has been permitted by the NSE by way of registration permission no: NSEIL/CMO/INET/1103/2000 dated 03/July/2000, and will be applying for permission to the BSE, to provide E-broking Services to its clients. IILSPL is a TRADING MEMBER of the National Stock Exchange of India. PRODUCT OFFERED BY IILSPL 1. Stock market:- IILSPL deals in stock market by trading in equity and derivatives. 2. Personal finance:- It Deals In Mutual Fund And Insurance. 3. Online Trading :- It provides services in stock and commodity trading (through Internet). HDFC SECURITY HDFC security is the subsidiary of HDFC (Housing Development Financial Corporation). www.hdfcsec.com would have an exclusive discretion to decide the customers who would be entitled to its online investing services. www.hdfcsec.com also reserves the right to decide on the criteria based on which customers would be chosen to participate in these services .The present web site (www.hdfcsec.com) contains features of services that they offer/propose to offer in due course. The launch of new services is subject to the clearance of the regulators. i.e. SEBI, NSE and BSE. PRODUCT OFFERED BY HDFC SECURITY 1. Online trading for Resident Non Resident Indians. 2. Cash-n-Carry on both NSE and BSE. 3. Day trading on both NSE and BSE. 4. Trade on Futures Options on the NSE. 5. Online IPOs. 6. Telephone-based Broking (Equity Derivatives). INDIABULLS SECURITIES LIMITED Indiabulls Securities Limited was incorporated as GPF Securities Private Limited on June 9, 1995. The name of the company was changed to Orbis Securities Private Limited on December 15, 1995 to change the profile of the company and subsequently due to the conversion of the company into a public limited company; the name was further changed to Orbis Securities Limited on January 5, 2004. The name of the company was again changed to Indiabulls Securities Limited on February 16, 2004 so as to capitalize on the brand image of the term â€Å"Indiabulls† in the company name. ISL is a corporate member of capital market derivative segment of The National Stock Exchange of India Ltd. At present, ISL accounts for approximately 3% of the total daily turnover of the Exchange with 32,359 client relationships and 70 branches spread across the country as of April 30, 2004. INDIABULLS CREDIT SERVICES LIMITED:- Indiabulls Credit Services has been valued at Rs. 263 crore with the Rs. 87.6-crore infusion. Indiabulls Credit Services Ltd, the recently formed subsidiary of broking firm, Indiabulls Financial Services Ltd. Faralon Capital, a San Francisco-based private equity fund, and its affiliates have acquired 33.3 per cent stake for Rs 87.6 crore. INDIABULLS REAL ESTATE:- Indiabulls through its group companies has entered Indian Real Estate business in 2005. It is currently evaluating several large-scale projects worth several hundred million dollars. Indiabulls became the first company to bring FDI in Indian Real Estate through a JV with Farallon Capital Management, a respected US based investment firm. PRODUCT OFFERED BY INDIA BULLS 1. Equity Debt Stock Broking 2. Insurance 3. Commodity trading 4. Depository Services 5. Derivatives Broking Services 6. Equity Research Services 7. Mutual Fund Distribution 8. IPO Distribution COMPARISON WITH COMPETITORS reliance money icici direct hdfc india bulls indiainfoline karvy DELIVERY .01% .40-.85% .75-1.0% .35% 0.3-0.5% 1% INTRADAY .01% .02-.04% .05% .035% 0.03-0.05% 0.1% AMC 200 750 600 350-750 500 350 Exposure 5 4 4-6 4-10 6 6 Software free Only for esteemed n.a. 750/p.m. 1000 1800/p.a. Online trading yes Yes yes yes yes yes Min. balance nil 5000(q) 5000 n.a. 5000 5000 MARKET SHARE Indiabulls is the market leader; about 37% of the investors are using the services of Indiabulls, followed by ICICI Direct with 32% customer’s base. According to various studies ICICI Direct is the major competitive of Indiabulls. Reliance Money is gaining its share which is currently at 3.9% market share. INTRODUCTION TO THE COMPANY The Reliance – Anil Dhirubhai Ambani Group is among India’s top three private sector business houses on all major financial parameters, with a market capitalisation of Rs 100,000 crore (US$ 22 billion), net assets in excess of Rs 31,500 crore (US$ 7 billion), and net worth to the tune of Rs 27,500 crore (US$ 6 billion). Reliance Money Limited has been promoted by Reliance Capital Limited a part of Anil Dhirubhai Ambani Group with the Net-worth – Rs. 4500 cr., amongst the top 3 banking financial services companies in the private sector. Management Team Chairman : Mr. Anil Dhirubhai Ambani CEO : Mr. Sudip Bandhupadhyay Deputy CEO : Mr. Kapil Bali National Head : Mr. Anshu Azare Regional Head : Mr. Ritu Raj chauhan Cluster Head : Navdeep Kaur Center Managers : Sandeep saini BOARD OF DIRECTORS Anil Ambani, Chairman Amitabh Jhunjhunwala, Vice-Chairman Rajendra Chitale, Independent Director Shri C. P. Jain Shri. P N Ghatalia Reliance Capital Ltd Reliance Capital is one of India’s leading and fastest growing private sector financial services companies, and ranks among the top 3 private sector financial services and banking companies, in terms of net worth. Reliance Capital has interests in asset management and mutual funds, life and general insurance, private equity and proprietary investments, stock broking and other activities in financial services. Reliance Capital entered into lucrative online trading business with Reliance money. There are mixed reports about this online trading platform. It shook up online trading business with cheap brokerage charge offer. Business Overview RCL is registered as a depository participant with National Securities Depository Ltd (NSDL) and Central Depository Services Ltd (CDSL) under the Securities and Exchange Board of India (Depositories and Participants) Regulations, 1996. RCL has sponsored the Reliance Mutual Fund within the framework of the Securities and Exchange Board of India (Mutual Fund) Regulations, 1996.RCL primarily focuses on funding projects in the infrastructure sector and supports the growth of its subsidiary companies, Reliance Capital Asset Management Limited, Reliance Capital Trustee Co. Limited, Reliance General Insurance Company Limited and Reliance Life Insurance Company Limited. As of March 31, 2005, the company’s investment in infrastructure projects stood at Rs. 1071 Crores. The investment portfolio of RCL is structured in a way that realizes the highest post-tax return on its investments. Reliance Capital Ltd. is one of India’s leading and amongst the fastest growing private sector financial services companies, and ranks among the leading private sector financial services and banking companies, in terms of net worth. Reliance Capital Ltd. has interests in asset management and mutual funds, life and general insurance, private equity and proprietary investments, stock broking and other financial services. Reliance Money limited Reliance Money, a Reliance Capital company, is part of the Reliance Anil Dhirubhai Ambani Group Reliance Money commenced commercial operations in April 2007. It is a comprehensive financial services and solution provider providing customers with access to Equity, Equity and Commodity Derivatives, Portfolio Management Services, Mutual Funds, IPOs, Life and General Insurance and Gold Coins. Customers can also avail Loans, Credit Card, Money Transfer and Money Changing services. The largest broking house in India with over 2.5 million customers and a wide network of over 10,000 outlets and 20,000 touch points in 5,000+ locations. Reliance Money endeavors to change the way investors transact in financial markets and avails financial services. The average daily volume on the stock exchanges is Rs. 2,000 crores, representing approximately 3% of the total stock exchange volume. Reliance Capital is one of Indias leading and fastest growing private sector financial services companies, and ranks among the top 3 private sector financial services and banking groups, in terms of net worth. â€Å"Success is a journey, not a destination.† If we look for examples to prove this quote then we can find many but there is none like that of Reliance Money. The company which is today known as the largest financial service provider of India. Success sutras of Reliance Money The success story of the company is driven by 9 success sutras adopted by it namely Trust, Integrity, Dedication, Commitment, Enterprise, Hard work, Home work, Team work play, Learning and Innovation, Empathy and Humility and last but not the least it’s the Network . Vision of Reliance Money To achieve sustain market leadership, Reliance Money shall aim for complete customer satisfaction, by combining its human and technological resources, to provide world class quality services. In the process Reliance Money shall strive to meet and exceed customers satisfaction and set industry standards. Mission statement â€Å"Our mission is to be a leading and preferred service provider to our customers, and we aim to achieve this leadership position by building an innovative, enterprising , and technology driven organization which will set the highest standards of service and business ethics.† Highlights of Reliance Money The highlights of Reliance moneys offerings are: 1. Cost-effective The fee charged by the affiliates of Reliance Money, through whom the transactions can be placed, is among the lowest charged in the present scenario. Pay a flat fee of just Rs. 500/- valid for 2 months or specified transactional value. The facility of trading is subject to expiry of the validity period or value limit, whichever comes first. Illustrations depicting fee structure and validity limits Access fee- Rs. 500 Validity- Time validity of 2 months or Turnover validity of Rs. 1 cr., whichever is earlier Turnover limit- Non-delivery turnover of Rs. 90 lac, Delivery turnover of Rs. 10 lac Access fee- Rs. 1350 Validity- Time validity of 6 months or Turnover validity of Rs. 3 cr., whichever is earlier Turnover limit- Non-delivery turnover of Rs. 2.7 cr., Delivery turnover of Rs. 30 lakh Access fee- Rs. 2500 Validity- Time validity of 12 months or Turnover validity of Rs. 6 cr., whichever is earlier Turnover limit- Non-delivery turnover of Rs. 5.4 cr., Delivery turnover of Rs. 60 lakh Unutilized delivery limit may be added to Non-delivery limit 2. Convenience You have the flexibility to access Reliance Money services in multiple ways: through the Internet, Transaction Kiosks, Call Transact (phone) or seek assistance through our Business Partners 3. Security Reliance Money provides secure access through an electronic token that flashes a unique security number every 32 seconds (and ensures that the number used for earlier transaction is discarded). This number works as a third level password that keeps your account extra safe 4. Single window for multiple products Reliance Money, through its affiliates/partners, facilitates transactions in Equity, Equity Commodity Derivatives, Offshore Investments, Mutual Funds, IPOs, Life Insurance and General Insurance products. All overseas investments are subject to rules, regulations and guidelines of the Reserve Bank of India as laid down from time to time 5. 3 in 1 integrated access Reliance Money offers integrated access to your banking, trading and demat account. You can transact without the hassle of writing cheques Demat account with Reliance Capital Hassles free demat account with Reliance Capital. The Annual Maintenance Charge for the Demat Account is just Rs. 50/- per annum 6. Other Services Through the portal www.reliancemoney.com, Reliance Money provides: a. Reliable research, including views of external experts with an enviable track record b. Live news from Reuters and Dow Jones c. CEOs/experts views on the economy and financial markets d. The Personal finance section provides tools that help you plan your investments, retirement, tax, etc e. Analyze your risk profile through the Risk Analyzer f. Get a suitable investment portfolio using the Asset Allocator KEY BENEFITS OF RELIANCE MONEY Equity is a share in the ownership of a company. It represents a claim on the company’s assets and earnings. As you acquire more stock, your ownership stake in the company increases. The terms share, equity and stock mean the same thing and can be used interchangeably. Holding a company’s stock means that you are one of the many owners (shareholders) of a company, and, as such, you have a claim (to the extent of your holding) to everything the company owns. Yes, this means that technically, you own a portion of every piece of furniture; every trademark; every contract, etc. of the company. As an owner, you are entitled to your share of the company’s earnings as well as any voting rights attached to the stock. Another extremely important feature of equity is its limited liability, which means that, as a part-owner of the company, you are not personally liable if the company is not able to pay its debts. In case of other entities such as partnerships, if the partnership goes bankrupt, the partners are personally liable towards the creditors/lenders and they may have to sell off their personal assets like their house, car, furniture, etc., to make good the loss. In case of holding equity shares, the maximum value you can lose is the value of your investment. Even if a company of which you are a shareholder goes bankrupt, you can never lose your personal assets. Reliance Money gives you the access to Over 5000 Schemes of 28 Assets Management Companies (AMCs) with just one account. Some of them included are. Portfolio Tracker Manage your mutual fund portfolio from the Reliance Money account. Benefit from live valuation and alerts and also track NAVs of any scheme online. Choice of investment strategies From just two scheme types (equity scheme and debt scheme) offered when the mutual fund industry was conceived more than four decades ago, today, mutual funds offer a plethora of scheme types with different investment strategies. Life Insurance Reliance Money Account gives you the advantage of buying policies from 12 different Life Insurance companies, helping you get unbiased opinion. General Insurance Reliance Money Account also extends the product offerings from 10 General Insurance Companies with exhaustive range of insurance products that covers most risks including Motor, Health, Property, Marine, Casualty and Liability. Over the Counter Products Your Reliance Money Account makes it so simple for you to buy insurance products that it’s as easy as buying something over the counter. RelianceMoney.com is offering most dynamic web based trading environment to its customers. The new trading platform has many new features which basically fill up the gap between old online trading companies in India and their customers. The Reliance Money trading websites comes with special security features Security Token, which makes you online trading experience more secure without complexity. Stock Trading is available in BSE and NSE. Offline trading is also available through Reliance Money partners in your city and through phone by dialing 022-39886000. TYPE OF ACCOUNT Reliance money is offering 3 types of accounts to its customers. Account for beginners, for meddlers and for experts. How to open account with Reliance Money? Account opening with Reliance Money is easy. Simply fill a form online at below address and somebody from Reliance Money will contact you soon. Advantages of Reliance Money 1. Extra security features with Security which is the most secures and tested technology in computer world. 2. Simple, easy and fast online stock trading. 3. Almost all investment options are available under one account including Equity Trading, Derivatives, Forex, Commodity, IPO, Mutual Funds and Insurance. 4. Branches are now available in all major cities and the number is growing. Branches are open from 9am to 9pm. Online trading is presently at its nascent stage and is not the most preferred option for financial transactions owing to security concerns and lack of accessibility points. Reliance Money through this hi-speed, technologically secure kiosks will therefore be able to reach out to all its existing and potential customers at even the remotest locations in the country without compromising on the security of its customer’s funds. Why should you choose Reliance Money? 1. Because it is from Reliance. Reliance capital has big plans regarding this business. It may announce attractive offers to gain market share. Reliance will never enter into a business with small plans. 2. Its brokerage charges are lowest in the country among major providers. With Rs 2500 prepaid amount, you can trade for Rs 5 crore. 3. Site is simple in design, fast to access and easy to find required information. 4. Its daily reports on market trends and technical breakouts are very useful. 5. Website content is divided according to the requirements of experts and beginners. 6. You can trade in Forex, Derivatives, Mutual funds, IPO and buy Insurance. Why should you stay away from reliance Money? 1. The trading platform is still in development stage. There are many bugs needs to be rectified. 2. Its â€Å"Insta trade† service is not up to the standard. Reliance Money software is a java based simple software. It should provide advanced software to meet the needs of advanced traders. 3. Its system is sometimes very slow and orders are not placed at the time. 4. Its market watch solution is a way behind its competitors like Money control and ICICIdirect. 5. Its service people are not as efficient as competitors. 6. It is still not providing options to buy Post office savings. 7. It is recommending few stocks even when stock markets are on roll. ORGANIZATIONAL STRUCTURE Reliance ADA Group Structure Products PRODUCTS offered by Reliance Money are: 1. Trading Portal (with almost negligible brokerage ) Equity Broking Commodity Broking Derivatives ( Futures Options ) Offshore Investments (Contract For Differences) D-Mat Account. 2. Financial Products Mutual Funds Life Insurance o ULIP plan o Term Plan o Money Back Plan General Insurance o Vehicle/Motor Insurance o Health Insurance o House insurance IPO’s NFOs 3. Value-Added Services Retirement Planning Financial Planning Tax Saving Children Future Planning 4. Credit Cards 5. Gold coins retailing DATA ANALYSIS The data after collection has proposed analyzed in accordance with the outline laid down for the purpose at the time of developing the research plan. The data collected in the stated manner tabulated according to the corresponding variables. The table thus prepared were analyzed interpreted to draw the meaning, out of the study. 1) Do you know about investment options available? KNOWLEDGE %AGE Yes 80% No 20% TOTAL 100 COMMENT Today scenario is changed so that most area covered by the securities and commodity market. It is 24% of the total population. 2) Most preferable investment scenario. Investment scenario %AGE Shares 24% Mutual Funds 20% Bonds 18% Banks 14% Real Estate 10% Insurance 6% Commodity market 4% Others 4% COMMENT Only 80% people know the exact meaning of investment. Because of remaining 20% take his/her residential property as an investment. According to law purpose this is not an investment because of it is not create any profit for the owner. 3).What is the basic purpose of your investment? INVESTMENT PURPOSE %AGE Liquidity 30% Returns 25% Capital appreciation 20% Tax benefits 10% Risk covering 5% Others 10% COMMENT: 30% people are interested in liquidity, 25% in returns and 10% tax benefits. And remaining 20% are interested in capital appreciations, 15% in risk covering and others. 4). From which option you will get the best returns? INVESTMENT SCENARIO %AGE Shares 26% Mutual Funds 27% Bonds 18% Banks 14% Real Estate 22% Insurance 4% Commodity market 5% Others 4% COMMENT: Most of the people say that Mutual fund gives satisfactory result; following it are bonds, shares and banks. 5).Most important things you take into your mind while making investments? FACTOR %AGE Risk 8% Returns 17% Both 75% TOTAL 100 COMMENT 75% people are considered the both factors risk as well as returns but, only 25% considered the risk or returns factor. 6). Do you have any knowledge of share markets? KNOWLEDGE PERCENTAGE Complete 10% Nil 27% Partial 63% COMMENT On that basis, we conclude that 27% people know nothing about the securities investments and 63% people have partial knowledge about it, so, some promotional activities are required for increasing the awareness about security market. 7) If you invested in Share Market, what has been your experience? options %AGE Satisfactory returns received 20 Burned fingers 6 Unsatisfactory results 8 No Results 66 TOTAL 100 COMMENT: Majority of people are in losses and hence they are getting no results. 8) Are you aware of online Share trading? KNOWLEDGE %AGE Yes 72% No 28% TOTAL 100 COMMENT: 72% of respondents are aware of online share trading while 28% of them don’t know about it. 9) Heard about Reliance money? KNOWLEDGE %AGE Yes 82% No 18% TOTAL 100 COMMENT Majority of people are aware about the Reliance Money, this shows that marketing strategy are good. 10) Do you know about the facilities provided by Reliance money? KNOWLEDGE %AGE Yes 76 No 24 TOTAL 100 COMMENT: In spite of good marketing, only 76% people are aware of services offered by Reliance Money. 11).Do you have any de-mat trading account? ACCOUNTS PERCENTAGE Yes 75 No 25 TOTAL 100 COMMENT Only 75% respondents have de-mat and trading account and remaining 25% says no because they don’t know why shares move up and down. 12).In which company you have d-mat and trading account? COMPANY %AGE ICICI DIRECT 30% INDIAINFOLINE 25% INDIA BULLS 22% Reliance Money 16% KARVY 7% HDFC securities 4% COMMENT In Reliance Money 16% respondents have de-mat trading account because of better services and min. annual maintenance and other charges. 13) What differentiates your Share trading company from others? %AGE Brokerage 23 Operating expanses 25 Services 20 Products 17 Software 15 Total 100 Comment Three main factors are brokerage, operating expenses, services, then is products and software. 14) Which Share trading company provides good exposure? Comments Majority of clients of indiabulls feels that the exposure provided by them is neither high nor low, while some believe it is enough. But in ICICI it is contrary. R-Money gets positive response from majority of clients. 15) Which Share trading company provides its Software to customers? Comment As far as software is concerned, R-Money dominates, followed by indiainfoline. 16) Which Share trading company charges fair Brokerage? Comment Although majority of customers of all the firms feel that brokerage charged is neither high nor low, customers of R-Money are highly satisfied. On the other hand, customers of ICICI are most dissatisfied. And about 40% of customers of indiabulls consider it to be NHNL, and another 40% rate it as good, while 20% feel that it is not quite low. 17) Which Share trading company provides fair operating expenses? Comments As per operating charges, comparison among the firms clearly points out that there is not much difference among the firms. First is R-money, followed by indiabulls. 18) Are you satisfied with your present Share trading company? COMMENT This shows that customers of reliance money are not satisfied while Indiainfoline is stood first in this parameter. FINDINGS ? Majority of clients of indiabulls feels that the exposure provided by them is neither high nor low, while some believe it is enough. But in ICICI it is contrary. R-Money gets positive response from majority of clients. ? Although majority of customers of all the firms feel that brokerage charged is neither high nor low, customers of R-Money are highly satisfied. On the other hand, customers of ICICI are most dissatisfied. And about 40% of customers of indiabulls consider it to be NHNL, and another 40% rate it as good, while 20% feel that it is not quite low. ? As far as software is concerned, R-Money dominates, followed by indiabulls. ? As per charges, comparison among the firms clearly points out that there is not much difference among the firms. First is R-money, followed by indiabulls. ? On the basis of call and trade facility, there is again not much differences. Comparison among ICICI and indiabulls shows that icici has less no. of customers who rated it low as compared to indiabulls and also higher no. of customers rate it good, but indiabulls has the edge over the rest when it comes to customers who rate it very high. ? Customer’s feedback regarding the Research Tips parameter shows that the competition is primarily between three firms- Indiabulls, icici and Indiainfoline. ? Reliance Money is gaining its share which is currently at 3.9% market share by providing better offerings, less brokerage and other services, indiabulls is the market leader. ? Approx. 16% respondents have de-mat trading account because min. annual maintenance and other charges. ? R-Money brought many innovations in products which are liked by customers. ? R-Money’s offerings are very competitive. ? Though reliance money is working very hard in order to meet the competition but there is a gap between the expectations and the experiences of the customers which is widening regularly. ? This gap has emerged because of the sales oriented focus of reliance money. ? In order to increase the sales figures, the company has somewhere ignored the service delivery and left the customer on his own. SUGGESTIONS ? Build relationship with the customers to keep them retained. ? Company should start a system of filling up of feedbacks and complaints online so that rectification of errors can be done easily. ? Company should start a kind of soft skill training program for all of its distributors so that the customers feel the same level of satisfaction as they feel while transacting with the company. ? Though the service quality is good but it should become better consistently as good service and better relationships are the key success factors of current market situations. ? The process of documentation is a hassle for customers as it is not at all user friendly. Company should take care of user friendliness of the system. ? In order to fill the gap between actual and expected, company needs to customize its services as it is dealing into financial instruments. ? These financial instruments are risky and it is very essential to make the customer feel that you are taking care of his money. ? This can be done only if all the services are customized and the system is made transparent for the customer as well as for the employees. CONCLUSION The expectations of the customers are regularly increasing because of the increasing competition and emergence of global market. In such conditions it becomes very necessary for a company to fulfill all the expectations of the customers and give them a delightful experience. Reliance Money aims to provide better services by consistently improvement. The study concluded:- Reliance Money Ltd. has better Portfolio Management services than Other Companies Reliance Money Ltd. keeps its process more transparent. Reliance Money Ltd. is giving more returns to its investors. Reliance Money charges are less than other stock brokers. Reliance Money is providing daily updates about the stocks information. Investors are looking for those investment options where they get maximum returns with less costs. Market is becoming complex it means that the individual investor will not have the time to play stock game on his own. People are less aware about the Services provided by Reliance Money. BIBLIOGRAPHY BOOKS: (1) Punithawati Pandiyan, â€Å"Security Analysis Portfolio Management†, Vikas Publishing House, New delhi. (2) Financial Markets, The Icfai University press, Hyderabad, 2007. (3) Donald E. Fisher and Ronald J. Jordan, â€Å"Security Analysis Portfolio Management†, Prentice Hall of India, New Delhi. (4) Zikmund, â€Å"Business Research Methodology† (5) Kothari C.R., â€Å"Research Methodology : Methods and Techniques†, Wishwa Prkashan, New Delhi, 2001. MAGAZINES:- (1) Omkar Goswami, â€Å"New Entrants in Sock Trading†, Business Week, Oct,2003, page 13. (2) Rajesh Gajra, â€Å"Sebi’s Wake Up call†, Business World, June 2008, page20. (3) Srikanth Srinivas, â€Å"Increasing competition in Online Trading†, Business Today, March,2005, page 21. JOURNALS:- (1) Nidhi Walia and Ravinder Kumar, â€Å"Online Stock Trading in India: an empirical investigation†, Indian Journal of marketing, April 2007, page 34-39. (2) Jayanta Kumar Seal, â€Å"Changing Dynamics of Stock Trading†, Portfolio Organizer, Oct. 2007, page 17-25. (3) Aggarwal Sanjiv, â€Å"Stock Trading o Net†, Business Line, Aug. 2000, page 31-37. (4) Mr. Ajay Kumar, â€Å"Comparison of stock Brokers in India†, Indian Journal of Business, June 1999, page 93-96. (5) Nidhi Walia, â€Å"Online Stock Trading in India: on the road of progress†, Applied finance, March 2004, page 21-26. (6) Nay-Fu Chen, Richard Roll and Stephen A. Ross, â€Å"Economic Forces and the Stock Market†, The Journal of Business, Vol. 59, No. 3,383-403, Jul. 1986. INTERNET:- http://en.wikipedia.org/wiki/Stock_Market http://surfindia.com/finance/stock-market.html moneycontrol.com reliancemoney.com sebi.gov.in reliancecapital.com indiainfoine.com icicidierct.com hdfcsecurity.com karvy.com http://nseindia.com http://bseindia.com APPENDIX Questionnaire Name: Age: Sex: Male Female Phone No: 1) Do you know about Investment options available? a) Yes b) No 2) In which of these Financial Instruments do you invest into? a) Shares b) Bonds c) Commodity market d) Insurance e) Mutual Funds f) Banks g) Real Estate i) Others 3) What is the basic purpose of your investment? a) Liquidity b) Returns c) Capital appreciation d) Risk covering e) Tax benefits 4) From which option you will get the best returns? a) Shares b) Bonds c) Commodity market d) Insurance e) Mutual Funds f) Banks g) Real Estate i) Others 5) What are the most important things you take into account, while making any investment? a) Risk b) Returns c) Both 6) Do you have any knowledge of share markets? a) Partial b) Complete c) Nil 7) If you invested in Share Market, what has been your experience? a) Satisfactory returns received b) Burned fingers c) Unsatisfactory results d) No Results 8) Are you aware of online Share trading? a) Yes b) No 9) Heard about Reliance money? a) Yes b) No 10) Do you know about the facilities provided by Reliance money? a) Yes b) No 11) Do you have any D-mat Trading account? a) Yes b) No 12) In which company you have D-mat Trading account? a) Reliance Money d) Karvy b) Indiainfoline e) ICICI direct c) India bulls f) HDFC securities 13) What differentiates your Share trading company from others? a) Brokerage b) Operating Expanses c) Services d) Products e) Software 14) Which Share trading company provides good exposure? 15) Which Share trading company provides its Software to customers? 16) Which Share trading company charges fair Brokerage? 17) Which Share trading company provides fair operating expenses? 18) Are you satisfied with your present Share trading company? a) Satisfied b) Neutral c) Unsatisfied Research Papers on A Competitive Analysis of Trading in Reliance MoneyAnalysis of Ebay Expanding into AsiaThe Project Managment Office SystemIncorporating Risk and Uncertainty Factor in CapitalBionic Assembly System: A New Concept of SelfOpen Architechture a white paperMarketing of Lifeboy Soap A Unilever ProductDefinition of Export QuotasResearch Process Part OneInfluences of Socio-Economic Status of Married MalesPETSTEL analysis of India