Case Study: Bankruptcy and the Bible

Case Study: Your long-time friend Carl comes to you with a serious problem in his life. He is a believer, and he wants your advice. For years he and his family have lived above their means. They did this by continually refinancing their house and rolling their credit card and other debt onto their home mortgage. However, now that real estate prices are no longer rising but actually falling, Carl can't refinance anymore and can't pay his monthly bills as they come due. He is in a real credit crisis. His creditors are calling him threatening lawsuits, garnishments, and other unpleasant things.One of his friends at work said that he should file bankruptcy. He comes to you for advice from a Christian perspective. In particular, he wants to know: 1. Does the Bible forbid him to file bankruptcy? 2. Does the Bible forbid borrowing altogether? If not, when is it permissible to borrow money? Use the words â€Å"Forbids† or â€Å"Does not Forbid† in the subject line of your discu ssion board post, depending upon your conclusion. Do not use attachments as these are cumbersome and inhibit the discussion process. Suggested Readings:Read and consider these and other Bible verses that relate to borrowing, lending, and lawsuits: Proverbs 17:14, Proverbs 20:3, Proverbs 25:8-10, 1 Corinthians 6:1-8, Matthew 5:22-26, Matthew 5:33-37, Matthew 5:38-42, Psalm 37:21, Ecclesiastes 5:4-5, Colossians 3:9, Ephesians 4:22, Ephesians 4:25, Leviticus 25, Deuteronomy 15:1-18, Psalm 37:26, Psalm 112:5, Proverbs 19:17, Proverbs 22:7, Deuteronomy 24:6, Deuteronomy 24:10-13, Deuteronomy 24:17, Exodus 22:25-27, Proverbs 6:1-5, and Proverbs 22:26-27. You may also want to consult some good commentaries and other study aids on some of the verses that seem particularly relevant to you.Proverbs 17:14 New International Version (NIV) 14 Starting a quarrel is like breaching a dam; so drop the matter before a dispute breaks out. 3 It is to one’s honor to avoid strife, but every fool is quick to quarrel. 8 do not bring hastily to court, for what will you do in the end if your neighbor puts you to shame? 9 If you take your neighbor to court, do not betray another’s confidence, 10 or the one who hears it may shame you and the charge against you will stand. 1 Corinthians 6:1-8 New International Version (NIV) Lawsuits Among Believers If any of you has a dispute with another, do you dare to take it before the ungodly for judgment instead of before the Lord’s people? 2 Or do you not know that the Lord’s people will judge the world? And if you are to judge the world, are you not competent to judge trivial cases? 3 Do you not know that we will judge angels? How much more the things of this life! 4 Therefore, if you have disputes about such matters, do you ask for a ruling from those whose way of life is scorned in the church? 5 I say this to shame you. Is it possible that there is nobody among you wise enough to judge a dispute between believers? But instead, one brother takes another to court—and this in front of unbelievers! 7 The very fact that you have lawsuits among you means you have been completely defeated already. Why not rather be wronged? Why not rather be cheated? 8 Instead, you yourselves cheat and do wrong, and you do this to your brothers and sisters. Matthew 5:22-26 New International Version (NIV) 22 But I tell you that anyone who is angry with a brother or sister[a][b] will be subject to judgment. Again, anyone who says to a brother or sister, ‘Raca,’[c] is answerable to the court. And anyone who says, ‘You fool! ’ will be in danger of the fire of hell. 3 â€Å"Therefore, if you are offering your gift at the altar and there remember that your brother or sister has something against you, 24 leave your gift there in front of the altar. First go and be reconciled to them; then come and offer your gift. 25 â€Å"Settle matters quickly with your adversary who is taking you to court. Do it while you are still together on the way, or your adversary may hand you over to the judge, and the judge may hand you over to the officer, and you may be thrown into prison. 26 Truly I tell you, you will not get out until you have paid the last penny. Matthew 5:33-37 New International Version (NIV) Oaths 3 â€Å"Again, you have heard that it was said to the people long ago, ‘Do not break your oath, but fulfill to the Lord the vows you have made. ’ 34 But I tell you, do not swear an oath at all: either by heaven, for it is God’s throne; 35 or by the earth, for it is his footstool; or by Jerusalem, for it is the city of the Great King. 36 And do not swear by your head, for you cannot make even one hair white or black. 37 All you need to say is simply ‘Yes’ or ‘No’; anything beyond this comes from the evil one. [a] Matthew 5:38-42 New International Version (NIV) Eye for Eye 38 â€Å"You have heard that it was said, ‘Eye for e ye, and tooth for tooth. [a] 39 But I tell you, do not resist an evil person. If anyone slaps you on the right cheek, turn to them the other cheek also. 40 And if anyone wants to sue you and take your shirt, hand over your coat as well. 41 If anyone forces you to go one mile, go with them two miles. 42 Give to the one who asks you, and do not turn away from the one who wants to borrow from you. Psalm 37:21 New International Version (NIV) 21 The wicked borrow and do not repay, but the righteous give generously; Ecclesiastes 5:4-5 New International Version (NIV) 4 When you make a vow to God, do not delay to fulfill it.He has no pleasure in fools; fulfill your vow. 5 It is better not to make a vow than to make one and not fulfill it. Colossians 3:9 New International Version (NIV) 9 Do not lie to each other, since you have taken off your old self with its practices Ephesians 4:22 New International Version (NIV) 22 You were taught, with regard to your former way of life, to put off your old self, which is being corrupted by its deceitful desires; Ephesians 4:25 New International Version (NIV) 25 Therefore each of you must put off falsehood and speak truthfully to your neighbor, for we are all members of one body.Leviticus 25 New International Version (NIV) The Sabbath Year 25 The LORD said to Moses at Mount Sinai, 2 â€Å"Speak to the Israelites and say to them: ‘When you enter the land I am going to give you, the land itself must observe a sabbath to the LORD. 3 For six years sow your fields, and for six years prune your vineyards and gather their crops. 4 But in the seventh year the land is to have a year of sabbath rest, a sabbath to the LORD. Do not sow your fields or prune your vineyards. 5 Do not reap what grows of itself or harvest the grapes of your untended vines. The land is to have a year of rest. Whatever the land yields during the sabbath year will be food for you—for yourself, your male and female servants, and the hired worker and tempo rary resident who live among you, 7 as well as for your livestock and the wild animals in your land. Whatever the land produces may be eaten. The Year of Jubilee 8 â€Å"‘Count off seven sabbath years—seven times seven years—so that the seven sabbath years amount to a period of forty-nine years. 9 Then have the trumpet sounded everywhere on the tenth day of the seventh month; on the Day of Atonement sound the trumpet throughout your land. 0 Consecrate the fiftieth year and proclaim liberty throughout the land to all its inhabitants. It shall be a jubilee for you; each of you is to return to your family property and to your own clan. 11 The fiftieth year shall be a jubilee for you; do not sow and do not reap what grows of itself or harvest the untended vines. 12 For it is a jubilee and is to be holy for you; eat only what is taken directly from the fields. 13 â€Å"‘In this Year of Jubilee everyone is to return to their own property. 14 â€Å"‘If yo u sell land to any of your own people or buy land from them, do not take advantage of each other. 5 You are to buy from your own people on the basis of the number of years since the Jubilee. And they are to sell to you on the basis of the number of years left for harvesting crops. 16 When the years are many, you are to increase the price, and when the years are few, you are to decrease the price, because what is really being sold to you is the number of crops. 17 Do not take advantage of each other, but fear your God. I am the LORD your God. 18 â€Å"‘Follow my decrees and be careful to obey my laws, and you will live safely in the land. 9 Then the land will yield its fruit, and you will eat your fill and live there in safety. 20 You may ask, â€Å"What will we eat in the seventh year if we do not plant or harvest our crops? † 21 I will send you such a blessing in the sixth year that the land will yield enough for three years. 22 While you plant during the eighth year, you will eat from the old crop and will continue to eat from it until the harvest of the ninth year comes in. 23 â€Å"‘The land must not be sold permanently, because the land is mine and you reside in my land as foreigners and strangers. 4 Throughout the land that you hold as a possession, you must provide for the redemption of the land. 25 â€Å"‘If one of your fellow Israelites becomes poor and sells some of their property, their nearest relative is to come and redeem what they have sold. 26 If, however, there is no one to redeem it for them but later on they prosper and acquire sufficient means to redeem it themselves, 27 they are to determine the value for the years since they sold it and refund the balance to the one to whom they sold it; they can then go back to their own property. 8 But if they do not acquire the means to repay, what was sold will remain in the possession of the buyer until the Year of Jubilee. It will be returned in the Jubilee, and they can then go back to their property. 29 â€Å"‘Anyone who sells a house in a walled city retains the right of redemption a full year after its sale. During that time the seller may redeem it. 30 If it is not redeemed before a full year has passed, the house in the walled city shall belong permanently to the buyer and the buyer’s descendants. It is not to be returned in the Jubilee. 1 But houses in villages without walls around them are to be considered as belonging to the open country. They can be redeemed, and they are to be returned in the Jubilee. 32 â€Å"‘The Levites always have the right to redeem their houses in the Levitical towns, which they possess. 33 So the property of the Levites is redeemable—that is, a house sold in any town they hold—and is to be returned in the Jubilee, because the houses in the towns of the Levites are their property among the Israelites. 34 But the pastureland belonging to their towns must not be sold; it is their per manent possession. 5 â€Å"‘If any of your fellow Israelites become poor and are unable to support themselves among you, help them as you would a foreigner and stranger, so they can continue to live among you. 36 Do not take interest or any profit from them, but fear your God, so that they may continue to live among you. 37 You must not lend them money at interest or sell them food at a profit. 38 I am the LORD your God, who brought you out of Egypt to give you the land of Canaan and to be your God. 39 â€Å"‘If any of your fellow Israelites become poor and sell themselves to you, do not make them work as slaves. 0 They are to be treated as hired workers or temporary residents among you; they are to work for you until the Year of Jubilee. 41 Then they and their children are to be released, and they will go back to their own clans and to the property of their ancestors. 42 Because the Israelites are my servants, whom I brought out of Egypt, they must not be sold as slav es. 43 Do not rule over them ruthlessly, but fear your God. 44 â€Å"‘Your male and female slaves are to come from the nations around you; from them you may buy slaves. 5 You may also buy some of the temporary residents living among you and members of their clans born in your country, and they will become your property. 46 You can bequeath them to your children as inherited property and can make them slaves for life, but you must not rule over your fellow Israelites ruthlessly. 47 â€Å"‘If a foreigner residing among you becomes rich and any of your fellow Israelites become poor and sell themselves to the foreigner or to a member of the foreigner’s clan, 48 they retain the right of redemption after they have sold themselves.One of their relatives may redeem them: 49 An uncle or a cousin or any blood relative in their clan may redeem them. Or if they prosper, they may redeem themselves. 50 They and their buyer are to count the time from the year they sold themsel ves up to the Year of Jubilee. The price for their release is to be based on the rate paid to a hired worker for that number of years. 51 If many years remain, they must pay for their redemption a larger share of the price paid for them. 52 If only a few years remain until the Year of Jubilee, they are to compute that and pay for their redemption accordingly. 3 They are to be treated as workers hired from year to year; you must see to it that those to whom they owe service do not rule over them ruthlessly. 54 â€Å"‘Even if someone is not redeemed in any of these ways, they and their children are to be released in the Year of Jubilee, 55 for the Israelites belong to me as servants. They are my servants, whom I brought out of Egypt. I am the LORD your God. Deuteronomy 15:1-18 New International Version (NIV) The Year for Canceling Debts 15 At the end of every seven years you must cancel debts. This is how it is to be done: Every creditor shall cancel any loan they have made to a fellow Israelite. They shall not require payment from anyone among their own people, because the LORD’s time for canceling debts has been proclaimed. 3 You may require payment from a foreigner, but you must cancel any debt your fellow Israelite owes you. 4 However, there need be no poor people among you, for in the land the LORD your God is giving you to possess as your inheritance, he will richly bless you, 5 if only you fully obey the LORD your God and are careful to follow all these commands I am giving you today. For the LORD your God will bless you as he has promised, and you will lend to many nations but will borrow from none. You will rule over many nations but none will rule over you. 7 If anyone is poor among your fellow Israelites in any of the towns of the land the LORD your God is giving you, do not be hardhearted or tightfisted toward them. 8 Rather, be openhanded and freely lend them whatever they need. 9 Be careful not to harbor this wicked thought: â€Å"Th e seventh year, the year for canceling debts, is near,† so that you do not show ill will toward the needy among your fellow Israelites and give them nothing.They may then appeal to the LORD against you, and you will be found guilty of sin. 10 Give generously to them and do so without a grudging heart; then because of this the LORD your God will bless you in all your work and in everything you put your hand to. 11 There will always be poor people in the land. Therefore I command you to be openhanded toward your fellow Israelites who are poor and needy in your land. Freeing Servants 12 If any of your people—Hebrew men or women—sell themselves to you and serve you six years, in the seventh year you must let them go free. 3 And when you release them, do not send them away empty-handed. 14 Supply them liberally from your flock, your threshing floor and your winepress. Give to them as the LORD your God has blessed you. 15 Remember that you were slaves in Egypt and the LORD your God redeemed you. That is why I give you this command today. 16 But if your servant says to you, â€Å"I do not want to leave you,† because he loves you and your family and is well off with you, 17 then take an awl and push it through his earlobe into the door, and he will become your servant for life.Do the same for your female servant. 18 Do not consider it a hardship to set your servant free, because their service to you these six years has been worth twice as much as that of a hired hand. And the LORD your God will bless you in everything you do. Psalm 37:26 New International Version (NIV) 26 They are always generous and lend freely; their children will be a blessing. [a] Psalm 112:5 New International Version (NIV) 5 Good will come to those who are generous and lend freely, who conduct their affairs with justice. Proverbs 19:17 New International Version (NIV) 7 Whoever is kind to the poor lends to the LORD, and he will reward them for what they have done. Prover bs 22:7 New International Version (NIV) 7 The rich rule over the poor, and the borrower is slave to the lender. Deuteronomy 24:6 New International Version (NIV) 6 Do not take a pair of millstones—not even the upper one—as security for a debt, because that would be taking a person’s livelihood as security. Deuteronomy 24:10-13 New International Version (NIV) 10 When you make a loan of any kind to your neighbor, do not go into their house to get what is offered to you as a pledge. 1 Stay outside and let the neighbor to whom you are making the loan bring the pledge out to you. 12 If the neighbor is poor, do not go to sleep with their pledge in your possession. 13 Return their cloak by sunset so that your neighbor may sleep in it. Then they will thank you, and it will be regarded as a righteous act in the sight of the LORD your God. Deuteronomy 24:17 New International Version (NIV) 17 Do not deprive the foreigner or the fatherless of justice, or take the cloak of th e widow as a pledge. Exodus 22:25-27 New International Version (NIV) 5 â€Å"If you lend money to one of my people among you who is needy, do not treat it like a business deal; charge no interest. 26 If you take your neighbor’s cloak as a pledge, return it by sunset, 27 because that cloak is the only covering your neighbor has. What else can they sleep in? When they cry out to me, I will hear, for I am compassionate. Proverbs 6:1-5 New International Version (NIV) Warnings Against Folly 6 My son, if you have put up security for your neighbor, if you have shaken hands in pledge for a stranger, 2 you have been trapped by what you said, nsnared by the words of your mouth. 3 So do this, my son, to free yourself, since you have fallen into your neighbor’s hands: Go—to the point of exhaustion—[a] and give your neighbor no rest! 4 Allow no sleep to your eyes, no slumber to your eyelids. 5 Free yourself, like a gazelle from the hand of the hunter, like a bird fro m the snare of the fowler. Proverbs 22:26-27 New International Version (NIV) Saying 4 26 Do not be one who shakes hands in pledge or puts up security for debts; 27 if you lack the means to pay, your very bed will be snatched from under you.

Diversity and Cross-Cultural Trends in psychology and Counseling Essay

Psychology has always been known to be the educated study about human behavior. For a long time now, psychology though has been expanding its social impact to the people that it aims to serve. Primarily, it is now utilized to understand the ways by which people could be assisted with their personal issues and thus be able to face the different challenges of human living. (Myers, 2006, 17) With the turn of time, handling human issues are also now subjected to different twists and several improvements that subject psychological procedures into conforming to the different trends of human society. The said trends include the issues of answering to the idealisms of the Black Americans [racial issues], feminists, and cross-cultural psychology approaches. Dealing with these different issues conscientiously actually define the modern process of psychology and counseling. (Myers, 2006, 19) How are the psychologists at present able to handle the said issues of human diversity to be strongly implicated within the existing system of traditional process of counseling? The differentiation of both the personal or human psychology and the different approaches used to explain social psychology could give a better view of how the said matter is implicated within the system. The concept of human action is generally concluded by the aspect of the scientific facts to be significantly caused by the works of the mind of every individual. This idea is generally expressed in the saying â€Å"what the mind can perceive, the body can conceive. † Thus, to empirically understand and explain the actions and personality of each individual in the society, their mind and their idealism must be critically explored finding the relevant relationship between each humanistic aspect of each individual. It is generally noted by the scientific research society that the very essence and personality of each individual resides intrinsically in their minds, which manifests as the source of their thoughts fueling their actions. Thus, for the very same reason that the field of psychology in the empirical world becomes an important aspect in the course of understanding the humanity and the path of their development becomes it intrinsically addresses the main core of each individual and the other aspects revolving around it. In this field, two specific branches become much intriguing and relevant to the scientific society’s concern namely the branch of scientific psychology and social psychology. Personal Human Psychology Psychology mainly pertains to the empirical study of the intrinsic nature of each individual through considering relevant elements such his or her mental processes, behavior, personal perception and identity and other human characteristics in relation to their actions and behaviors. The field of psychology firmly holds that every action of the individual has its own reason behind it causing the said manifestation and the said reason lies hidden in the mind of the involved person. In the study of the scientific psychology of the subject, aspects such as personal perception towards inward matters and outside factors, behavioral and personal motivation, and the learning process play a significant part in the psychological development of each individual manifested mainly in the personality of the person. In addition, psychology also addressed the aspect of abnormal behavioral characteristics studying its main causes and contributory factors thus, establishing a scientifically significant pattern for it. In application, psychology becomes an important aspect in every field of scientific studies involving society and human characteristics and in explaining the relevant relationship of the two. Social Psychology Social Psychology mainly deals with the influential relationship between the social environment and its elements and the human beings and their psychological aspect. This field mainly addresses the psychological field through the social structure and system in the society and how it significantly affects the mental processes of each individual. (Aronson, 2004, 18) This attitude generally perceive human beings as individuals or as a group as the main unit of analysis employing the common social behavior of interacting with other individuals as part of the social system developing their distinctive individuality and personality. In this concept, as each individual interact with other individuals, they develop their own identity with their own social perception and psychological personality. In the aspect of its application, this study is significantly relevant in profiling and understanding the psychological nature and personality of the subject by considering his or her social backgrounds and experiences while he or she interacts with others as part of the social system. (Aronson, 2004, 17) Thus, psychology indeed becomes an important aspect in the development of the society and the human civilization as a whole. This field of scientific study can be applied to every field addressing basic and critical human nature understanding and explaining the intrinsic behavioral pattern of each individual and the actions manifesting the said psychological elements. This field of study firmly holds that humankind cannot further advance without first understanding their very basic nature and characteristics as significant units in the generally concept of humanity. (Lesko, 2000, 17) Obviously, understanding human behavior both through the personal and social context of the matter subjects the process to the different issues that the human society is actually involved with. It is through these advancements in the society that understanding the issues of human behavior becomes more enlightened thus making the process of explaining human dispositions and relating them to the process by which people could be guided with their propositions in life is indeed effective and beneficial for all. References: Myers, David G. Psychology. Worth Publishers; 8th Edition. 2006. Aronson, E. & Wilson T. D. & Akert R. M. (2004). Social Psychology. Prentice Hall, NY, USA. 5th Edition. Lesko, W. A. (2000). Readings in Social Psychology: General, Classic and Contemporary Selections. Allyn and Bacon, Boston, USA. 5th Edition.

To Study Swot Analysis for Portfolio Management Services Offered by Sharekhan Ltd.

SUMMERY In today’s business environment many of stockbroker’s offers PMS (Portfolio Management Services). While observing the business environment of Stockbrokers the main business is how they offer low brokerage and better services to the clients. In this context an attempt is made to study the SWOT analysis of PMS (Portfolio Management Services) offered by SHREKHAN Ltd. Which highlights what are the Strengths, Weaknesses, Opportunities and Threats of PMS (Portfolio Management Services) offered by SHREKHAN Ltd. as compare to other competitors offered this scheme. Also take the interview of 100 clients and observe what the expectations about the PMS (Portfolio Management Services) are offered by SHREKHAN Ltd TABLE OF CONTENTS ? Acknowledgments †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ ? Abbreviations †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. ? An Executive Summary †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. ? Industry Profile†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ ? Company Profile†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. ? Market share of Share khan†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ ? Introduction to project†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ ? Hypothesis of the Project †¦Ã¢â ‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ ? Objectives Project†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ ? Limitations of the Project†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ ? Research Methodology †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ ? Empirical Analysis †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. ? Conclusion †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ ? Bibliography†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. Abbreviation AMC:Annual Maintenance charges. BSE:Bombay Stock Exchange. DP:Depository participant. IPO:Initial Public Offer. MCX:Multi Commodity Exchange. MT:Management Thesis. NAV:Net Asset Value. NCDEX:National Commodity and derivatives Exchange. NCFM:National Stock Exchange Certification In Financial  services. NFO:New Fund Offer. NSE:National Stock Exchange. PMS:Portfolio Management Services. SEBI:Security Exchange Board of India. Industry Profile By 1830's business on corporate stocks and shares in Bank and Cotton presses took place in Bombay, there were only half a dozen brokers recognized by banks and merchants during 1840 and 1850. In 1860-61 the number of brokers increased to about 200 to 250. In 1895, the Stock Exchange acquired a premise in the same street and it was inaugurated in 1899. Thus, the Stock Exchange at Bombay was combining. Trading Pattern of the Indian Stock Market Trading in Indian stock exchanges is limited to listed securities of public limited companies. They are broadly divided into two categories, namely, †¢ Specified securities (forward list) †¢ Non-specified securities (cash list). A member broker in an Indian stock exchange can act as an agent, buy and sell securities for his clients on a commission basis. National Stock Exchange (NSE) The National Stock Exchange was incorporated in 1992 by Industrial Development Bank of India, ICICI, all Insurance Corporations, selected commercial banks and others. Trading at NSE can be classified under two broad categories: (a) Wholesale debt market and (b) Capital market. Wholesale debt market operations are similar to money market operations – institutions and corporate bodies enter into high value transactions in financial instruments such as government securities, treasury bills, public sector unit bonds, commercial paper, certificate of deposit, etc. There are two kinds of players in NSE: 1. Trading members and 2. Participants. Recognized members of NSE are called trading members who trade on behalf of themselves and their clients. Participants include trading members and large players like banks who take direct settlement responsibility. India's oldest and first stock exchange is Bombay Stock Exchange which is established in 1875. More than 6,000 stocks listed in BSE. Totally there are 22 stock exchanges in India. They are located in Ahmadabad, Bangalore, Calcutta, Chennai, Delhi etc. There is also a National Stock Exchange (NSE) which is located in Mumbai. There is also an Over the Counter Exchange of India (OTCEI) which allows listing of small and medium sized companies. The regulatory agency which oversees the functioning of stock markets is the Securities and Exchange Board of India (SEBI), which is also located in Bombay Overview of Company Sharekhan is a firm, which is working under SSKI (S. S. Kantilal Ishwarlal Securities Ltd. ). SSKI was founded in 1922. SSKI is One of India’s Oldest Brokerage Houses Having Eight Decades of Experience into: ? Institutional Broking ? Investment Banking ? Retail Broking It is one of the Founding members of the Stock Exchange, Mumbai and Pioneer Institutional Broker. SSKI Entered into Retail Broking in 1985. Share khan is the Retail Broking Arm of the BIG 80 Years old organization i. e. of SSKI and â€Å"Sharekhan† is the Brand Name given to its Retail Business. SSKI carries out its Retail Broking Activities under â€Å"Sharekhan† Brand Name. Sharekhan Outlets act as Full Service Investment Solutions Provider, providing you wide range of services like – ? Equity & Derivatives Trading on NSE and BSE ? Online Trading ? Commodities Trading on MCX & NCDEX ? Portfolio Management Services ? Depository Services ? IPO Services ? Wide Range of Customized Research Products ? Uniform Service Standards Offerings of the Sharekhan: – Sharekhan offers both Offline and online trading account. But now a days it mostly concentrates on online trading account through which a customer can buy and sell shares in an instant from any part of the globe trough website. It does not take into account any type of physical restriction of going to the broker for carrying out a transaction or any type of settlement of payment. It facilitates the customer a speedy and hassle free transaction. Share khan’s product consists of a 4-in-1 concept, which integrates: †¢   D-mat Account †¢ Trading Account †¢ Bank Link †¢ Dial-N-Trade For doing a trading of shares everyone need D-mat A/C. In his D-mat A/C one can keep his shares. Then Sharekhan provides a Trading A/C  . Through this trading account, a Sharekhan customer can directly transfer his funds from his savings account i. e. from bank account to Sharekhan to his trading account without any paper work. He can buy and sell shares from the website and also view the market prices of the shares he trades on the terminal. Sharekhan. com allows trading at present only on NSE. BSE trading will be shortly available. To open an account a customer requires filling up a form consisting of 12 agreements, a passport size photograph, a residential proof, a photo id proof and a cheque drawn of respective amount in favor of S. S. Kantilal Ishwarlal Securities Pvt. Ltd. & From 22 March, 2007  cheque is drawn in favor of Sharekhan Ltd. itself. After opening an account with Sharekhan, a customer will be given User id, Membership password and trading password, which will enable him to access his account and trade. Products of â€Å"SHAREKHAN†: – Sharekhan offers 2 types of products according to the volume-based requirements of the investors that are as follows:  Ã‚   CLASSIC ACCOUNT: †¢ This account allows the client to trade through the website and is suitable for the retail investors. Here maximum scripts that can be shown on the terminal are only 25. Also the technical charts are not available. †¢ It’s a JAVA BASED APPLET, which allows trading only through website and see latest prices of the scripts of your choice which is attached below. †¢ This account also allows trading in Derivatives. †¢ The lifetime registration charge for this account is Rs. 750 and there is no constraint of minimum turnover. SPEED TRADE ACCOUNT: – o This is ideal for active traders who transact frequently during day’s trading session to capitalize on intra-day price movements. Speed trade is Internet-based application based software, which is available on a CD, which provides everything a trader needs on one screen, thereby, reducing the time required to execute a trade. o Speed trade offers a tick-by-tick update on stock price movements with market depth and intra-day chart and lets the client do his own stock/technical analysis. o While the Lifetime charge for this account is Rs. 1000 /- with a minimum brokerage of Rs. 1500 /- to be generated each quarterly. OFF LINE SERVICES- ? In this Dmats A/C is open in Rs 350/- ? In this trader has to come in office for trading. Bank Connection: – Sharekhan has affiliation with 8 banks, which allows its customers to enjoy the facility of instant credit and transfer of funds from his savings bank account to his Sharekhan trading account. The affiliated banks are as follows:   ? HDFC BANK ? UTI BANK ? CITI BANK ? ICICI BANK ? OBC BANK ? UNION BANK ? INDUSLAND BANK ? IDBI BANK DIAL-N-TRADE: – It is also an exclusive service available to all Sharekhan customers for trading in shares via the telephone. On dialing the toll free number 1800-22-7500 the customer will be directed to a tele-broker who will buy or sell shares for him. After Hour Orders: – Sharekhan customers also enjoy the facility of placing orders even after the trading hours, and the orders are executed as soon as the market opens. Brokerage:- †¢ It is one of the important things, which are observed by the customer while opening a D-mat A/C. †¢ For Intraday Transactions they charge 0. 05 % on each leg Transaction. †¢ For Delivery Transactions they charge 0. 50 % on each leg Transaction. & †¢ For Derivatives Transactions they charge 0. 05 % on each leg Transaction. Trade in Commodity: – Sharekhan also trade in commodities like Bullion: Gold / Silver and Agricultural commodities through Sharekhan Commodity Pvt. Ltd. which are a wholly owned subsidiary of its parent SSKI. Research Team of Sharekhan: – Research and in-depth knowledge of markets provide better than speculations or reacting to rumors. Research team provides knowledge to their customers about market condition. †¢ In morning they provide â€Å"Eagle Eye† which tells about how the market will be in whole day. †¢ In afternoon they provide â€Å"High Noon† which tells that up to that time how was the market and what about the remaining time what will be the condition of the market. †¢ After the market they analyze the market summery of the whole day and give idea about next day market. Mobile-N-Trade facility: – Now Sharekhan is providing the facility that their customers can do trading with the help of their mobile handset. For that purpose they have to pay some extra charge to activate that facility. Importance of the research to the Organization: – 1) The organization get’s the competitive information about the pricing strategy of their competitor’s. 2) Through that they can establish their new pricing strategy to gain competitive advantage. 3) They came to know the effects of using the pricing strategy in the market. Location of company: SHAREKHAN Limited Cross Land, 1204/22, J M Road, Opposite Shambhaji Park, Shivajinagar, Pune, 411005 Phone No. :  020 25520002 Way to Share Khan (JM Road, Pune) Products of Sharekhan:- 1) Stock broking (NSE,BSE) 2) F & O broking (Future and option) 3) PMS (Portfolio Management Services) 4) Commodity trading 5) Insurance 6) Mutual fund 7) Pan card 8) IPO (Initial public offer) |Sharekhan Services | |Sharekhan, one of India's leading brokerage houses, is the retail arm of  SSKI. With over 510 share shops in 170 cities, and India's premier online trading | |portal www. sharekhan. com, our customers enjoy multi-channel access to the stock markets. | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Introduction The project assigned is â€Å"TO Study SWOT Analysis For Portfolio Management Services Offered By SHAREKHAN Ltd. In JM Road, Pune†. The purpose of project is to understand Portfolio Management Services, its function, terms involved in and types of Portfolio Management Services. And also study competitors PMS Services in this way that to help the company in its day-to-day work. I worked with the company as a management trainee in SHAREKHAN ltd. Hypothesis 1. People those have large excess money interested in investing in PMS. 2. Retail investors are also now take interest in this scheme. 3. PMS scheme does not have more impact on sales revenue of SHAREKHAN. OBJECTIVE ? To study Portfolio Management Services Offered By SHAREKHAN Ltd. To understand Portfolio Management Services and its importance. ? To study various types of Portfolio Management Services ? To know about the Portfolio Management Services Offered by competitors of SHAREKHAN Ltd ? To understand and know various term s used in and process used in Portfolio Management Services in market. ? Make the SWOT analysis of Portfolio Management Services offered by SHAREKHAN Ltd. LIMITATIONS While completing this project following limitations are occurred: ? Graphical Constraint: – ? Wrong Mind Set about Share Market: – ? Lack of awareness: – ? Lack of Money: – Methodology This project is Descriptive type of the project. In this project I considered only the part of pricing strategy of the organization, and I also studied the topic of my Management Thesis from angle of 360 degree. This project comes under the Formal Research in which objectives are clearly defined and where researcher gathers whole information about all aspects of the project. There is a formal procedure to conduct research; I followed following steps of methodology to conduct the research, Identifying & Defining Problem Planning the Research Design Selecting a Research Method Selecting a Sampling Procedure Data Collection Evaluating the Data Preparing the Research Report Sources of the Information: – While collecting the data for project two types of Sources are used. 1. Primary sources : – In this, data is collected directly from respondents using questionnaire, direct observation & interview techniques. So for this purpose I visited 150 people in the JM Road, Pune. I interviewed them and asked them various questions related to my project and try to find out the actual result 2. Secondary sources: – In this type of data collection I used the information which is already collected by some other person or in printed form before I collected. Sources of secondary data include websites, books, Internet, Journals and also the pamphlets, and the broachers made by the company for their advertisement, etc. I used above methodology & data sources for my project by following steps What is PMS (Portfolio Management Services)? Meaning of PMS The word portfolio means a set or group or combination of securities held by and investor. And the word management means to conduct or manage in a proper way. Thus it means managing of share in a proper way expecting the risk and return. Portfolio Management is the process of selecting a bundle of securities that will provide the investing organization a maximum yield for a given level of risk or alternatively ensure minimum risk for a given level of return. A portfolio is defined a s the composite set of ownership rights to financial assets in which the investor wishes to invest. Portfolios are, thus, composed of securities. It means manages your money by fund manager. It just like Invest your money in PMS, sit back and do nothing. † Advantages of investing in PMS V/s Mutual Fund †¢ You have greater control over the asset allocation, whereas it is automatic in a mutual fund. †¢ The portfolio can be customized to suit your risk-return profile †¢ The portfolio man ager has relatively greater flexibility to move in and out of cash as and when required depending on the market view. †¢ Typically, charges are lower and more transparent in PMS vis a vis a Mutual Fund †¢ Holdings not impacted by entry / exit of the investors. How Sharekhan Manages Portfolio? Sharekhan portfolio Management Services ? Protech ? Proprime ? Proarbitrage [pic] A Trading based portfolio management scheme :- Sharekhan introduces a PMS Protech for- a client with higher risk profile using the tenents of Technical Analysis. Product Offerings 1. Nifty Thrifty 2. Beta Portfolio 1. Nifty Thrifty:- Nifty futures are bought and sold on the basis of an automated trading system that generates calls to go long / short. The exposure never exceeds value of portfolio i. e. there is no leveraging; but being short in Nifty allows you to earn even in falling markets and there by generates linear returns. Features of Nifty thrifty: o Nifty futures are bought and sold on the basis of an automated trading system that generates calls to go long / short. The exposure will never exceeds the value of the portfolio i. e. no leveraging; but will allow to be short in Nifty in falling market therefore allowing the client to earn irrespective of the market direction. o The balance money will be invested in Liquid Funds o Money management rules will be in place to see th at the capital is not eroded. 2. Beta Portfolio:- Stocks in long term technical up trends are identified at various inflection points in their trading cycles. 80% of the portfolio is traded in delivery of such stocks. 20% is used in creating and options book i. e. buying calls/puts of the index / stocks to increase the portfolio beta and hedge against pitfalls. Features of Beta Portfolio: Stocks in long term technical up trends are identified at various inflection points in their trading cycles o 80% of the portfolio is traded in delivery of such stocks. o 20% is used in creating and options book i. e. buying calls/puts of the index / stocks to increase the portfolio beta and hedge against pitfalls. o The use of timing for delivery and options for a higher beta will attempt to offer a superior rate of returns by taking a risk only 20% of the capital. o Money management rules will be in place to see that the capital is not eroded. o Portfolio rebalancing may be conducted between the cash and options segments based on the profitability of each segment. Product characteristics: Using swing/momentum based index trading systems with stop/reverse trend following. ? Investor get the best of worlds by: ? Having positions in cash and options ? Delivery positions enable profit maximization, while options position offered high beta short term profit in the same portfolio. ? Low impact cost. Product details: †¢ Minimum investment Rs. 5 Lakh †¢ Lock in for 3 months †¢ Fortnightly reporting of Portfolio Net Worth †¢ Monthly reporting of Portfolio Holdings/Transactions †¢ 20% profit sharing fees on booked profits quarterly basis †¢ 5% discount on profit sharing fees [to 15%] for investment of 1 crore OR lock in of 1 year. †¢ 0% AMC fees Brokerage 0. 05% for derivatives and 0. 30% for delivery. Nifty futures will be bought and sold on the basis of an automated trading system that will generate calls to go long/short. The system has been test ed over the last 20 years of data  and  performance has been very good [details or returns v/s risk are available  for interested investors]. The portfolio's exposure will never exceed the value of the portfolio, i. e. there shall be no leveraging. But the strategy will allow us to go short/hedge on Nifty in falling markets, thereby yielding returns irrespective of the market direction. The portfolio will either be long or short at all point time. Nifty Thrifty: | |Nifty futures are bought and sold on the basis of an automated trading system that generates calls to go long/short. The | |exposure never exceeds value of portfolio i. e. there is no leveraging; but being short in Nifty allows you to earn even in | |falling markets and there by generateslinear | Product offerings: 1. The Aggressive Scheme: Ideal for investors looking at higher returns with high risk appetite. This portfolio consists of high growth stocks fulfilling any of the following conditions: ? Expected growt h in profitability Turn around and corporate restructuring enabling value unlocking ? Relatively low valuation ? Mid to small cap companies 2. The Balanced Scheme: Ideal for investors looking at steady returns with low risk appetite. This portfolio consist of blend of quality blue chip and growth stocks ensuring a balance portfolio with relatively medium risk profile. Product approach: Investments are based on 3 tenets: I. Consistent, steady and sustainable returns II. Margin of safety III. Low volatility Product characteristics: ? Bottom up stock selection ? In-depth, independent fundamental research ? High quality companies with sustainable competitive advantage ? Disciplined valuation approach applying multiple valuation measures ? Medium to long term vision, resulting in low portfolio turnover Product details: ? Minimum investment: Rs. 5 lakh ? Lock in: 3 months ? Reporting: Online access to portfolio holdings, monthly reporting of portfolio holdings/transactions ? Charges: 2. 5% per annum AMC fees charged every quarter, 0. 5% brokerage, 20% profit sharing after 15% hurdle is crossed- chargeable at the end of the fiscal year. Product offerings: Cash-future Arbitrage: it spots risk free opportunities that yield greater returns than conventional risk free products. On spotting the opportunity, the stock is bought and future is sold to lock in the spread. Position is liquidated if the spread things before time or on expiry, whichever comes earlier. In this manner, the scheme moves from one opportunity to another. Product approach: There is an inherent opportunity in the spread that lies between cash and futures. When the spread is high stocks are bought; at the same time futures are sold to lock in the difference which is then bound to be zero at expiry. Product characteristics: Risk Free: On the whole, it is risk-free and can be compared to RBI bonds and GILT funds. High Returns: As compared to other zero risk products, it offers roughly an 8% post tax returns. Product details: ? Minimum Investment: Rs. 5 lakh ? Lock in: 3 months Reporting: fortnightly for portfolio net worth, monthly for portfolio holdings/Transactions ? Charges: 0. 035% brokerage for cash,0. 075% for delivery SWOT ANALYSIS Of PMS (Portfolio Management Services) offered by SHAREKHAN Ltd. Strengths In Sharekhan’s PMS (Portfolio Management Services) It has a pr oduct like NIFTY THRIFTY. It is the big strength for Sharekhan, because Sharekhan is only the license holder of NIFTY THRIFTY. Generally investors give more preference to this product because it works on the TECHNICAL basis and gives maximum returns is just about 40%. It is the maximum returns that no other product gives this much of returns to investors. The other product i. e. BETA Portfolio which works on Fundamental level. In this product 80% of the portfolio is trade in the Delivery basis and the remaining 20% is trade in Option basis i. e. buying calls/puts. so investors gets fixed returns. So the product ProTech is very big strength of the Sharekhan Ltd. Weaknesses Sharekhan’s other products ProPrime and ProArbitrage does gives as much business as ProTech. In this two products risk is low and the returns are also steady or low. In this scheme money of investors invested in RBI Bonds and GILIT funds, in this way though as compare to other zero risk products, it offers roughly 8% post tax returns. So generally because of this investors are not prefere to invest their money in this scheme. Because of large investment in PMS (Portfolio Management Services) it is minimum 5 lakh Investors does not take interest in such scheme. Sharekhan does not have the product of small investment, under 5 lakh that the retail investors also take interest in PMS (Portfolio Management Services). Opportunities As per mention above only Sharekhan has the license to operate ProTech which includes NIFTY THRIFTY and BETA portfolio so investors does not have any other option for investing there money if they want to invest in ProtTch. So this is proved as a very big opportunity for Sharekhan to capture the market and to get the customer as far as ProTech is concern. As per the studies the retail investors are taking interest in investing in PMS. Because in PMS the portfolio is managed as a individual basis. In PMS services there is a fund Manager who manages our portfolio. So now retail investors are also take part in PMS services. So it will be opportunity for Sharekhan to increase their business and will take market lead. Threats In Pune Kotak and Motilal Oswal are the good competitors of Sharekhan. Because Kotak has a 12 years experience in PMS services , they have good products like Sharekhan . The second competitor is Pukhraj Securities because they provide the PMS scheme which has the minimum investment Rs 2, 00,000/- And Sharekhan has the products which has minimum investment Rs. , 00,000/-So Pukhraj also become a good competitor for Sharekhan. Second the entries of Reliance in stock broking will defiantly create a problem for Sharekhan. Market share of different stock broker for PMS in Pune [pic] The market share for PMS in Pune is captured by Kotak more than Sharekhan as well as other stock brokers. It is leading be cause Kotak provide this service from more than 12 years. Sharekhan started this scheme from 2003. In very short period it also captures market and highly competes with Kotak. And put back to the others. [pic] Because of higher investment requisition such as minimum investment is of Rs. 5,00,000/- in PMS so the no of investors are less than other products. [pic] After taking the 100 client’s interview the result is derived as out of 100 investors 35 are go for sharekhan to invest their money. The second on the rank is Kotak. So it is proved that the PMS scheme provided by sharekhan is more preferred by investors. Conclusion After the studies I have concluded that if company provides the better product as well as schemes not only high class or higher income group will invest but the middle income group is also take interest in investing their money in share market. Only because of one best product and scheme if company launches it can be a market leader for that and will captures the more share of market. BIBLIOGRAPHY Books: – Financial Management Textbook. ? Marketing management Textbook. ? Sip student’s Manual Book. Pamphlets Printed by Various Stock Broking Firms. Web Sites: – ? www. Sharekhan. com ? www. MoneyControl. com ? www. Kotak. com ? www. AnandRathi. com ? www. MotilalOswal. com ? www. ICICIDirect. com ———————– I understand objectives of my management thesis. I prepared questionnaire to collect primary data from customers. I used data collection techniques like questionnaire & interviews. I compiled collected data using excel sheet. I analyzed collected data using various tools & graphical way. I draw conclusion from collected data & make report on it. Pune

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Week 6 - Coursework Example Therefore, most businesses have to accept the existing preordained competition, by developing some unique measures of overcoming it. Organizations have to react by increasing the competition through cutting the price of their products, refining the quality of their products to fit clients preferences, use of new technology to overwhelm the rapid changes in quality and quality in productions. HTC is one of the enterprises that realize competition is growing everyday. The corporation, as a result, decided not to underrate the potential competition coming from different parts of the world. For that reason, HTC strived to provide unique and distinguished quality products through enhancing a creative and innovative environment. The corporation has successful fashioned a tranquil environment that is auspicious in endorsing creativity of it is employees through initiating the â€Å"magic labs† (Robbins, & Coulter, 2010). The personnel are encouraged to work on their own ideas which enable their imagination to turn into innovation. The corporation also has promoted creativity and innovation by studying the change of clients’ preferences. There is a resilient connection between workers happiness and creativity in the workplace. The level of creativity improves when employees are happier. Happy employees are optimistic and work in solidarity, thus strengthening crea tivity through sharing of knowledge; hence promoting inventiveness. Employees’ happiness is of prodigious significant in the workplace as it emboldens staff to be more productivity and high job performance. Happiness among employees remains imperative for they are 25% more effective and well-organized than the unhappy staff thus happy staff endorses high job performance and great productive. Happy workers are also 47% industrious than unhappy staff, as happy staff work in team-spirit and in a more optimistic way thus creating a favorable avenue for sharing concepts

Constitutional purpose and other uses of U.S. Census Essay Example for Free

Constitutional purpose and other uses of U.S. Census Essay Political power and the respective share of every state of the federal money are simply the Constitutional purposes of Census in the United States (Cole, 2009). These are the underlying reasons why for every ten years, the government mails the citizens with Census forms to fill out with their personal information of circumstances. Under an original objective which is just to have a correct or exact count and record of the American population, the U. S. census now signifies its importance in determining the number of congressional districts. Beyond the Congressional purposes of the Census, it is its practical uses to people’s daily living that ultimately signify its value to the nation. In terms of re-appointment of the members of House of Representatives, Cole further explains that it is under the Constitution that census affects or determines the respective circumstances of each state. Census particularly manifests which states gain or lose Congressional seats. Simply put, Cole states that â€Å"the census determines how many House of Representative Members you will have representing your district in Washington D. C. † (Cole, 2009, p. 1). This is where Census’ Congressional purpose of political power is shown. This is because if the population of one state decreased based from the last census, one or more Representative member is removed from a specified state. On the same token that a particular state reflected relevant increase during the last census, then additional member represents the said state. Hence, the population of one state, as what the Census reflects, establishes if such area requires of being redrawn after showing an increase or loss in the area’s population (Cole, 2009). Aside from the said Congressional purposes of the U. S. Census, there are at least five practical ways to use such gathering of information. Of the five primary objectives of the census, its three most important uses include the following. First is to count the country’s population including the number of American households. The second important use of the census is it is a way to collect data and to create information in order for both the federal government and the states to come up with rational budget. Another use of the census is its power to create information which serves various social entities such as the branches of economy, education, research, business and other significant components of the nation (â€Å"Uses of Census Data,† n. d. ). While a bigger part of the information provided by the public to the census is eventually kept secret for the next 72 years, the valuable pieces of information are used. This condition holds true especially during instances in the daily lives of the people. For instance, census is very important to the general public in terms of using the collected data in a number of fields or disciplines that are significant to people. In fact, census is applied to personal experience of an individual. Just like in my case, census proved to be valuable in three aspects. One, I used the information given by the census when I decided that there is a need to change the place of my resident. Census also made me decide what field of learning to choose depending on the state of employment and the value of wage per occupation in a particular location. I likewise was able to make use of census when I looked for a place that became the best suitable area where I opened my business few years back. References Central Bureau of Statistics. (n. d. ). Uses of Census Data. Retrieved July 24, 2009, from http://www. cbs. gov. il/w/censusshtml/UN-SSI41795192. shtml Cole, L. (2009). Census Records and the Constitution. Retrieved July 24, 2009, from http://www. associatedcontent. com/article/1905082/census_records_and_the_constitution_pg2. html? cat=37

“Why College Education Is Important to Me” Essay Example for Free

â€Å"Why College Education Is Important to Me† Essay Each year, thousands of people throughout the United States go to college. Depending on individual’s ambition or needs, in predicate logic, various high School graduates go to college for different reasons, including just having fun. However a college education gives you more options and a better life. Why College education is important to me, Primary because if I go to college I will gain skills that I will use for the rest of my life, college education is a solid investment for my Future. I’ve always wanted to be a business man, because business degrees can Help you advance your career and secure positions that you cannot get with a DAVIS 2 High school diplomat. There are other important benefits to college education, such as an Informed citizenry, making better decisions, and appreciation of literature. Secondary, a college education gives opportunities to grow financially and Morally. A college education is absolutely necessary to me because it is the key to Success and has no age limits. Better education gives you the qualification to Better jobs and it gives you more self-confidence. Bobby Scott quoted â€Å"It is Virtually impossible to compete in today’s global economy without a college Degree.’ Knowledge is not innate, but it is learned and shared, Finally a college education is important to me more knowledge I Have more money I get. I have dreams like everybody else, I dream One day after I get married before me and my wife start a family, I would love to Visit some countries; to travel with my wife, I would love to see Paris one day, I DAVIS 3 Would love to visit Barcelona, Italy, Spain, Quebec, Macedonia, and I want to do Mission around the world but especially in Haiti, cause I always wanted to be able To help my people, and my family. But if I don’t have Enough money saved this will always be a dream. After I receive my college Education I will have better opportunities, better ways to earn more money, if I Have a great paycheck I will have a better saving, and I will be able to realize my Great dreams. If every year, Thousands of people throughout the United States go to college, I Want to be one of the thousands; college education is very important to Me because; if I go to college I will gain skills that I will use for the rest of my life, a College education gives opportunities to grow financially and morally, a College education is important to me because more knowledge I have more DAVIS 4 Money I get. This is why college education is important to me.

The Importance Of Storytelling

The Importance Of Storytelling In her insightful essay on the tradition of Pueblo Indian storytelling Language and Literature from a Pueblo Indian Perspective Leslie Silko displays the huge role that stories play in the life of the ethnic group she originates from, she reveals the importance of storytelling for her family, ancestors, neighbors, closest friends and personally herself. In spite of the title that draws our attention to the concepts of language and literature, the main and central issue of her essay, which first appeared as a speech for delivering before the audience, is story proper. Story is not a thing to be told at certain moments in certain circumstances, if we deal with the lifestyle of Pueblo Indians. The whole life of those people is saturated with the multitude of stories and stories-within-stories. A Pueblo Indian, from his/her very birth on, hears and listens to the stories, then, growing up, begins narrating them him/herself, and in such a way all his/her life is accompanied by this vivid tradition. Thus, storytelling may be thought of as a texture of their life, for, on the one hand, the entire world and reality are perceived in the light of stories, and, on the other hand, all the collective and individual experience of the Pueblos is transformed into stories and then orally passed on to the following generations. This custom is more than just an equivalent of folklore in European or Asian traditions. Leslie Silko emphasizes that a written speech or statement is highly suspect among her people as it does not allow sharing the feelings appropriately. Mere graphical symbols are not able to express all the copiousness of human experience, but an oral word is. At first sight, it seems somewhat odd for a person reared in European tradition, but if we look back at such ancient celebrities as Socrates who also rejected the written word as contributing to the deterioration of our memory, it becomes not so alien for us as well, although the following epochs established the importance and even the preferable credibility of what is written or typed. The same may be said about the Jewish tradition, its pre-Talmudic period when Torah she be-al-pe  [1]  was prohibited from being put down; the same is about early Christian tradition when Gospels were merely told by one person to another; the Vedic period of the Hindus when their sacred texts were recited orally and were not fixed in written form. There could be found much more parallels to the phenomenon of Pueblo story telling in the history of other ethnic groups and civilization. Leslie Silko goes on and says that, for the Pueblos, language is story (Silko 49). It is most clearly illustrated by the fact that many words in the Pueblo Indian language have their own stories. When a story is told, the teller often goes into the stories of words, and thusly a phenomenon of stories-within-stories emerges. The story becomes a web that is woven in all directions, which is contrary to the convention of linear step by step narrating in European tradition. Language is story, story is language that dialectic unity of Pueblo weltanschauung determines the structure and content of their stories and the essay devoted to them in particular. The basis of any nations, ethnicitys mentality lies in their cosmogonic and theogonic myths, which constitute their collective unconscious, the latter predetermines the style of thinking, living, and interacting of a certain nation. The Pueblo Indians are not an exception here, and the author introduces the Creation story for us to understand the peculiarities of Pueblo perception of the universe. The story is significant both for its parallels and discrepancies with the Biblical creation story; moreover, the latter are more numerous and are worth being mentioned first. The world was created by Thought Woman Tseitsinako thinking of her sisters and, together with her sisters, she thought of everything that is and there appeared the world. Thus, everything that is immanent in our world is a part of the whole; every element, every constituent of the reality belongs to this whole. The humans are also an inseparable element of the universe and belong to this universal entity. Contrary to the Bible where the world emerges as a result of Gods word, or Logos (Genesis 1, 3; John 1, 1-3), the universe appeared through the thought of the goddess and her sisters, the tight link of humans to the nature are also more apparent in Pueblo Creation story. In the Bible, people are created and let in the Garden of Eden directly by God, in the Pueblo tradition they come into the world due to th e hard efforts of the animals Antelope and Badger. Such a world outlook determines the monistic perception of the reality, it influences both the language and the storytelling of the Pueblo people. Stories are the part of their everyday life, they are multidimensional, web-like, organized in a complex structure that stretches far beyond chronological or formal logical framework. There are many repetitions, characteristic of the oral speech, digressions, stories-within-stories etc that make their stories a multilayer texture. There are no separate stories in Pueblo folklore each story is a part of some more general or fundamental story, and the latter in turn constitutes larger stories, so that the whole Pueblo traditional and even modern everyday discourse is one big story with a huge number of smaller and infinitesimal subdivisions. The stories are always bringing us together, keeping this whole together, keeping this family together, keeping this clan together tells us Leslie Silko. The destination of story is thus to preserve the wholeness of the universe. The author gives us three illustrations, three stories that are still being told and re-told until nowadays. The first one relates about a young man who lost his new Volkswagen and felt very bad about it. The structure of the story may be defined as the threefold one: 1) the guy earns money, purchases the car and drives it; then 2) it falls into the ravine and is broken to pieces; 3) there come his friends and relatives trying to offer him consolation. What do they do in particular? They tell stories about the people who also lost their cars in the ravine, moreover, many of them lost their children and parents when their cars were going down into the arroyo. The third part of the story is an essential element of Pueblo storytelling. Those stories join the guys life experience to those of the other people, and when put into that context, his loss is (or seems) not so great, he turns out to be relatively lucky, because he shunned the danger of losing his own and his relatives lives. The stories of the friends and neighbors turn grief into consolation, desperation into hope, loneliness into amiable support. Finally, that guys experience joins the common discourse of people whose cars fell into the arroyo, that guy consequently joins those people, he is not alone and that is the greatest consolation possible in such circumstances. The second story about a girl who drowned herself in Kawaik Lake is more dramatic. There can be also distinguished three parts: 1) girls request to her mother to cook her yashtoah, the conditions her mother announces; 2) girls decision to get drowned; 3) carrying out her decision and her mothers return home. The core part of the story seems to be the second one, for it shows the transformations in the girls decisions and intentions. There are also stories-within-stories here, and certain periods and details are highly repetitive, they are yashtoah, Im going to Kawaik and jump into the lake there and similar phrases. The girl tells the old man about her quarrel with her mother and her suicidal decision, the man, in turn, goes to her mother and tells her what her daughter is about to do. These stories are so intertwined and interwoven, so organically situated in the context, that it is problematic to take them out of there. The story is more or less organized in a chronological order, the sequence of events is not interrupted but attention should be paid to the fact that this story was heard by the author of the essay in a modernized version from her aunt. It is a vivid argument that traditions, and Pueblo storytelling in particular, possess a dichotomic nature on the one hand, they pass the ancient experience of the ancestors on to modern generation, on the other hand, they include the present experience of the people and add them to the common stock of Pueblo history. So, the previous, present and future generations are not separated, they are connected by a strong link of storytelling, which preserves the past and provides space for the future. What is more, this story explains why the butterflies are so beautiful and multicolored. The story of a girl is tightly connected to the biological diversity in the animal world. The third story happens in modern time, but it is nevertheless organized according to the existing pattern of Pueblo storytelling tradition numerous repetitions, associations, reminiscences, stories-within-story etc. The woman goes into details of the troubles of her life loss of husband and mother, hardships of employment etc but it ends with a glimmer of hope, she meets with her aunt and grandfather, the latter gives her a very dear present a silver 1907 dollar, which shocks every member of their family. Later, as she writes, I kept it for a long time because I guess I wanted to have it to remember when I left my home country. The silver dollar presented by her poor grandfather became a material token of her warm memory of her family, childhood and homeland. Thus, the storytelling does not appear to be something that is done at bedtime in the life of Pueblo Indians, it is the essence of their life. Detaching oneself from the mentioned stories, and having a look at the essay as the whole, it becomes evident that the essay itself is a Pueblo story, although told to the non-Pueblo people. It incorporates the analyzed stories, it is originally oral, it is saturated with the monistic worldview and it has a fair chance to be incorporated into a larger piece of storytelling and is already the constituent of the Pueblo Indian discourse. The essay is also peculiar for being addressed to the two worlds the traditional world of the Pueblos and the modern globalized world. This essay intends to initiate and hold a dialogue between these worlds, to deepen the mutual understanding that may result in mutual enriching of the two distinct cultures. The author herself and the people she tells the stories of are inspiring examples of the success on this way of reciprocal understanding. She and the characters of the stories are integrated into modern American society, but they did not lose touch with their cultural and ancestral legacy either. Although this view is not in full accord with Paul Lorenz who states that the values of American Indian cultures have been forced to confront the alien values of European American culture (Lorenz 59). One more important aspect of the storytelling should be paid due attention to as well the unity of teller and listener. Leslie Silko emphasizes the importance of the latter a great deal of the story is believed to be inside the listener; the storytellers role is to draw the story out of the listeners (Silko 51). Ib Johansen, however, views this issue from a bit another perspective In traditional societies storyteller plays an important role; he/she is placed at the very center of the community, and his/her activities are considered as essential to the very self-awareness or sense of identity of the community (Johansen) it is the teller whom Ib Johansen places as the key figure in storytelling. Here we see a classic example of the European approach. As it occurs to me, there is not the notion of central or key role / importance in Pueblo Indian world outlook. Important are all the inhabitants and objects of the world despite their role, size, destination; all of them are of equal relevance, all are necessary, all indispensable, all divine. The monistic and pantheistic approach to life, people, phenomena and objects determines the reverent attitude towards them, on the one hand, and creates difficulties in establishing the hierarchy of values, on the other hand. It is indeed problematic to define what passage is most important in a certain story, or what relations are more preferable either personal, or tribal, or clan ones. Paul Lorenz recognizes that the fiction of Leslie Silko is the product of American Indian, rather than Western, cultural values (Lorenz 59). Indeed, the very style of her essay shares many common features with the traditional Pueblo Indian narratives. It is evident in her reference to ethnologists and anthropologists who tend to differentiate the types of stories the pueblos tell she says that the people of her ethnic group never divide the stories into classes, family stories are given equal recognition (Silko 51). A distinctive characteristic of the storytelling among this tribal group of Indians is that they attach more importance to what is said than how something is said, the content is more important than the form according to Pueblo weltanschauung. The particular language spoken isnt as important as what a speaker is trying to say, writes the author of the essay. That peculiarity is also marked by Ib Jansen when he retells case of an Eskimo woman accused of killing a storeman. Thus, the notions of myth, legend, parable, tale and the like are not quite applicable to the tradition of Pueblo storytelling, they are difficult or, even impossible, to differentiate in the context of their culture. The Creation story, Home Country story, the story of the young mans Volkswagen and the speech of Ms Silko are of equal relevance and credibility in the eyes of Native American. They do not abandon negative stories of their own families and clans; they are always trying to convey the content, essence of the story so that the expressive means retreat to the background. The cosmogonic and sacred myths are as plausible as their own experience in the context of Pueblo Indian Culture. Summing up, it is reasonable to point out that Language and Literature from a Pueblo Indian Perspective and the other works mentioned in this paper focus on the essential characteristics of Pueblo peoples storytelling tradition, they emphasize its monistic worldview, illustrate how several stories may unite into one; their language and the whole life are tightly linked to the stories and cannot be imagined without each other. Pueblo Indian storytelling tradition cannot but be recognized as a truly valuable constituent of the American and world culture.

A.I. - Complex and Rich :: Movie Film comparison compare contrast

A.I. the Movie - Complex and Rich      Ã‚  Ã‚   The pastime of viewing films has enraptured me for all of my memorable life. No director has provoked my attention and incisively touched me at the most extreme and deep levels as Stanley Kubrick. To call Kubrick my favorite filmmaker would be an understatement. In 1994 Stanley Kubrick called up his longtime friend Steven Spielberg and asked him to come over to his home, just outside London, as he had something important to discuss with him. Spielberg flew out that night. The following day Kubrick told Spielberg he wanted him to direct A.I. as a Stanley Kubrick Production with Kubrick producing. Kubrick provided Spielberg with the reasoning that the film would be better suited to his directing style and his computer special effects fluency (Stanley Kubrick: LIP). As Kubrick had been working on A.I. since the 1980s he had difficulties in several areas with the project. He never found a writer to his satisfaction that he could collaborate with and form a screenplay. Kubrick also could not solve certain issues with the film such as the portrayal of Gigolo Joe and other core elements of the story (Daly, Harlan). Additionally Kubrick was not satisfied with the state of technology and computer graphics and he knew that if he waited just a few years, making a much better film would be possible. A.I. remained a work in progress and Spielberg went on to other endeavors as he "opted not to" direct A.I. a few months later (Daly 28). Nevertheless Kubrick still consulted with Spielberg on A.I. and shelved it for a bit so he could make the interim film, Eyes Wide Shut. Kubrick died shortly thereafter. A.I. was passed down in a sense, and Spielberg picked it back up and attempted to do in two years what Kubrick was struggling to do for a good decade and a half. There is a lot to like about the finished product of A.I. I choose to not be bothered by the parts of the film that I feel are 'glossy'. I found watching it to be a captivating experience. Let no mistake be made, A.I. is a Steven Spielberg film. Sure, Spielberg utilized the numerous conversations he had with Kubrick as well as "Kubrick's copious but scattershot preparatory outlines, notes, and drawings" but I can only imagine what A.I. would have been had Kubrick made the picture (Daly 30).

The Divine Comedy - Heaven or Hell? :: Divine Comedy Inferno Essays

The Divine Comedy - Heaven or Hell?      Ã‚  Ã‚  Ã‚  Ã‚   The character of Dante in The Divine Comedy who descended into the inferno caused me to stop and think about this awful place.   As the reader I got to take an imaginary journey with Dante to a horrible place where I do not care about going.   While Dante descended into hell I plan on ascending into heaven someday.   Dante had a choice to make whether or not to get back on the right path.   It came down to heaven or hell - choose.      Ã‚  Ã‚  Ã‚  Ã‚   I think it was willed for Dante to see this place while he was still living.   By seeing hell while he was alive Dante could be sure and make the right choices to find his way back to the straight path.   Being on the right path in his lifetime would ensure he would not spend eternity in such a miserable place.   I believe the whole purpose of this journey into hell was to let Dante see the anguish there and choose.   Perhaps this was a divine warning. In Canto 2, Beatrice, the symbol of Divine Love, an angelic spirit was sent to help aid Dante   from his error and help him return back.   This is purely love and compassion at its best.   Sending someone into hell to rescue another person out of there. Great lengths were taken to help Dante return back to the straight way.   I do not believe such action was taken if Dante was to end up in hell all along.      Ã‚  Ã‚  Ã‚  Ã‚   For some reason midway in Dante's life's journey he had gone astray and at this point was searching for answers.   I guess hell was as good a place to start the search as any place.   Ã‚  Something for sure had led him astray and Dante was going to find out what it was.   Strange as it may seem Dante did find the answers he was looking for in hell.      Ã‚  Ã‚  Ã‚  Ã‚   Dante had entered into an awful place full of darkness and evil.   Dante did not realize to return back would not be easy, the Leopard stood blocking him every turn to keep him from getting back.   As a Christian I could relate to this.

Child Development Essay -- Parenting Raising Children

Final Draft Throughout the world, it can be seen that members of different cultures raise their children in such a way that they can be productive as a responsible, mature members of society. It is the parents' responsibility to mold them into a productive individual. Parents often try to shape the child into what they believe is best for that child. Sometimes, the children's development does not conform to the ideals of other cultures. It can also be seen that gender plays a big role in the development of these children. The years in which children learn to be aggressive, or not, is prior to the age of five. I will try and associate the factors of aggressiveness and child development to portray whether or not it influences the aggressiveness of that culture. First of all, a definition of the variables to be discussed is at hand. In defining aggression, we run into problems with the cross-cultural variations between cultures. A positivist approach considers actions that cause harm to another--for example, murder or punches--to be clear examples of aggression in any cultural context. The relativist on the other hand tends to think on terms of the cultural or situational context of actions. Certain actions may not be actually aggressive but viewed in a different /way /nature/. For example, when punches are thrown in horseplay, they are restrained in their severity. Therefore, they are not aggressive in nature. When employing aggressiveness, different venues are often used in the face of social conflict. These strategies include verbal insults or physical abuse, like murder or assault. Whether or not an individual chooses to be direct or indirect/,/ depends on their preference. One may choose the direct approach and co... ...n is that they may have impossible expectations of their children. They have a tendency to live their lives through their children and push them too far. Also, the child is defiant or constantly demanding in their eyes. They have strong urges to hurt and may have acted on those urges to some extent. Conflicts arise with parents throughout life. It is important to learn to deal with these conflicts in a manner that is acceptable to the society. From the day a child is born up until puberty, a child is close with at least one if not both of the parents. Conflicts usually start during the twelve to seventeen year old period. A separation from the parents in the form of friends being more important than them promotes and is even catalytic in conflict confrontations. These confrontations range from a quiet withdrawal from the parent to raging arguments on every issue.

Budweiser Paper

MARKETING 474 FINAL: INTEGRATED MARKETING PLAN INSTRUCTIONS: You will complete an Integrated Marketing Plan with your group for Budweiser. As you may know the ailing beer manufacturer is struggling. You will need to do additional research to uncover the issues that are plaguing the brand. The goal of your plan is to drive business. BUDWEISER OVERVIEW: In January, Coors Light surpassed Budweiser to become the #2 selling beer in the U. S. It was a major blow for Budweiser, a brand that has been in decline for the last three decades.Certainly the changing tastes of the American consumers have impacted sales of Anheuser Busch's flagship brand, but marketing decisions have also played a big role in the fall of the iconic brand. Budweiser has tried to be everything from fratty to refined to sporty to hipster. Anheuser-Busch has always put a major focus on marketing. This is the company, after all, that spent $246. 2 million solely on Super-Bowl commercials from 2002 to 2011. Edward McClelland of Salon  says that from its inception, Budweiser was a â€Å"triumph of marketing over quality. The quality was questionable: Adolphus Busch, the company's founder, called his beer â€Å"dot-schlop† and preferred to drink wine and St. Louis drinkers were not fans of the drink either, but the Busch family still bought the licenses and paid rent for bar owners in exchange for serving the product. Budweiser had its glory days in the 1950s when Anheuser-Busch helped strengthen its national brand by sponsoring shows featuring Jackie Gleason, Milton Berle, and Frank Sinatra. It also promoted its beer by sponsoring sporting events and branding stadiums. By the 1980s, Budweiser was synonymous with American culture. â€Å"Budweiser’s kind of a mainstay.It’s a good old American tradition, like going to a baseball game or a college football game,†Ã‚  says Kevin Eichelberger, webmaster of BeerTees. com. But something has happened in the past three decades and, while it still has clout overseas, the Budweiser brand is tired here at home. Undoubtedly, owners A-B InBev will try to save it with marketing, as they have always done. But will that be enough to return Budweiser to the throne and its former glory? Source: businessinsider. comPAPER OUTLINE: Integrated Marketing Campaign Deliverab les: You should outline the following before you begin developing your IMC (Word Times New Roman 12 Font and 1. inch margins):OVERVIEW (2-3 Pages)1. Budweiser Problem2. Company Culture, Values, Mission3. Communication Objective: (e. g. Inform, Persuade, Call to action)4. Brand Positioning and Personality5. Intended Target Audience/Insights CAMPAIGN (At least 3-5 Pages) â€Å"BIG IDEA†: or compelling theme. (e. g. What happens in Vegas stays in Vegas)MESSAGE: Relevant copy and actionable message for your target consumer which includes (e. g. rational or emotional appeal or selling proposition)CHANNELS (examples): a. Print Campaign: Headline, Artwork/Visual and Copy b. Events with Sponsors c.Direct Communication: Web-site, Social Media d. Public RelationsCREATIVE: Headline to capture the target’s attention and photos that capture the essence of the campaignGRADING CRITERIA: 200 Points: Written Strategy-Did you have a compelling strategy for your IMC? Was your strategy al igned to the problems and issues? 100 Points: 5 minute Oral Presentation-How Creative was your IMC presentation? Did you use innovative ways to drive sales that would resonate with the target consumer?Note: Your Oral Presentation should be 4-5 Slides developed from the CAMPAIGN part of the written strategy.