Financial Risk Management Assignment Example | Topics and Well Written Essays - 1500 words

fiscal Risk Management - Assignment Example141). In this paper, Deutsche Bank, AG depart be the organization that will be analyzed for its essay circumspection and luck types it confronts. The types of risks that Deutsche Bank faces implicate cite risk Credit risks come up from all dealings where concrete, conditional or possible claims in opposition to each counterparty, debtor or obligor. Deutsche Bank jointly refers to these parties as counterparties, as well as those claims that the bank plans to assign (Deutsche Bank, 2011, p. 13). The dealings done on this risk are normally part of our conventional non-traded loaning operations wish well advances and provisional liabilities, or the direct exchange activity with clients like OTC byproducts, FX advances and forward straddle agreements. Market risk Market risk can be draw as the likelihood for limiting in the market worth of the banks exchange and investing positions Deutsche Bank, 2011, p. 14). Risk could come up fro m contrary alterations in interest rates, credit spreads, foreign exchange tolls, equity costs, prices of goods and other pertinent parameters like market instability and market indirect default possibilities. The bank distinguishes amid three considerably dissimilar sorts of market risks. Operational risk Operational risk is the likelihood for failure, as well as authorized risk, with witness to workers, predetermined conditions and records, expertise, substructure failure and crises, powers from outside the bank and client relationships. Operational risks do not include business and reputational risk Deutsche Bank, 2011, p. 13). Liquidity risk Liquidity risk is the risk coming from Deutsche Banks potential incapacity to adjoin every responsibility when they arise because of simply being able to meet these duties at excessive expenses Deutsche Bank, 2011, p. 14). Business risk Business risk describes the risk that Deutsche Bank presumes because of potential adjustments in overall business necessities the banks market environment, clientele actions and technological development. This could have an impact on the results of the bank is they do not change rapidly to these adjusting circumstances. Additionally, Deutsche Bank also encounters some other sorts of risks to a lower place the business risk category. They include reputational risk, insurance-specific and concentration risk. These risks are considerable linked to one or more of the stated risk sorts Deutsche Bank, 2011, p. 13). Reputational risks With Deutsche Banks risk management procedures, the bank is able to describe reputational risk that advertising regarding dealing, counterparty or business parties engaging a customer will destructively affect the conjunctions faith in Deutsche Bank. A number of strategies and guidelines create the outline of the banks reputational risk management. The main accountability for the recognition, escalation and solution of reputational risk problems are inherent with the trading sector Deutsche Bank, 2011, p. 15). The risk management departments help and recommend the business sectors in determining that reputational risk issues are properly recognized, intensified and handled. Insurance-specific risk Deutsche Banks disclosure to insurance risk is associated with Abbey Life Assurance Company Limited and the described advantage pension obligations of Deutsche Bank Group. The risk management of Deutsche Bank considers insurance-associated threats

Do Children Benefit When Their Teacher Speaks Their Second Language Research Proposal

Do Children Benefit When Their instructor Speaks Their Second Language - Research Proposal ExampleThis report talks that biculturalism refers to a process wherein individuals hear to function in two distinct socio-cultural environments their primary culture, and that of the dominant mainstream culture of the society in which they live. ambit these two worlds apart is their language. Language barriers not only hinder or slow down the encyclopaedism process, it also inhibits the childs socializing capabilities. There is a sense of alienation that sets in, inside the classroom that manifests in myriad ways, like aggression, extreme shyness and the eventual drop out situation. This essay makes a conclusion that teachers who understand and appreciate culturally different strengths and funds of knowledge are more potential to provide enriching and responsive learning environments that celebrate and capitalize on childrens cultural differences. As students themselves, nearly teachers w ere socialized in mainstream schools for at least 12 years and often attended teacher readiness programs grounded in the mainstream culture. Beginning the journey toward increased cultural competence requires teachers to rethink their assumptions and consider lifes issues through the lenses of people who come from cultural backgrounds different from their own. Teachers postnot hope to begin to understand who sits before them unless they can connect with the families and communities from which their children come. To do that it is vital that teachers and teacher educators explore their own beliefs and attitudes about non-white and non-middle-class people.

Heart failure Essay Example | Topics and Well Written Essays - 3750 words

breast hardship - Essay ExampleIn order to attain this end, the following objectives will be examined brass failure (HF) is common and is associated with a postgraduate morbidity and mortality. Forty per cent of patients with symptomatic left ventricular systolic dysfunction (LVSD) surpass inwardly a year of diagnosis and 10% per annum thereafter, giving a five-year mortality rate of up to 70%. (Patel, et al., 2008, p. 35). feeling failure is therefore a major origin of death in nations like Britain. And this is often diagnosed through the identification of symptoms like left ventricular systolic dysfunction. This provides the identification of the main issues and the main signs that a patient might have a plaza malady and heart complication. However, this is very chronic and fatal because many of the people diagnosed of this sickness will die within a year. Precisely, two out of five will die within a year and severally year, one out of ten will die after the first year of diagnosis. This shows that heart failure (HF) is a major problem and a major issue within a given society.Heart failure is an issue that affects 0.4% to 2% of the population in Europe and half of this suffer from left ventricular systolic dysfunction (Patel, et al., 2008). This is representative of 2% of national health expenditure due to its danger and high risk (Patel, et al., 2008).Generally, early diagnosis for heart failure is poor because most patients get to know intimately their condition after they have suffered an attack (Mehta, et al., 2008). Clinical studies show that chronic heart failure patients die abruptly without any diagnosis because when they get their attacks, they do not survive it (Mehta, et al., 2008). However, the population of persons with mild heart failures who die during attacks is somewhat lower than those with chronic instances of the case and issue.Studies show that older patients form the large percentage of

Ocean Carriers Term Paper Example | Topics and Well Written Essays - 500 words

Ocean Carriers - Term Paper ExampleA discount rate of society percent is employ by the ocean carrier.Having in mind that, during the 8 days, the customers would not be supercharged and each and every new vessel will be devaluated or depreciated on the basis of a straight line for over twenty five years. The market rate that prevails in the daily fill in is averagely twenty two thousand ($20,000) dollars every day. A discount rate of nine percent is used by the ocean carrier.While viewing at the projections carried out by analysts of Linn and present growth aspect in the ore and iron out markets, the long run view for the sinking bulk industry look assure (Chandraiah 88). The increasing exports of ore and iron will make the demand for sinking to increase. It may also permit conveyance firms to enlarge their rates. Nevertheless, as rates start to drop immensely and every shipping vessel involve a huge long-term investment, much risk is attached to the firm. Thus, projections should not, in any way, be considered only when reliable. In the following year, every day hire rates would likely decline as the ore and iron market is anticipated to enlarge in two years time.As a result of the cliff in demand for the new shipping vessel, the price will considerably go down. Assuming that ocean carriers are to be subjected to an American tax rate of thirty five percent (35%), using a nine percent (9%) rate of discount, and anticipated every day hire rates foretold by analysts, the agree upon lease does not seem to translate into profits. This is because of the large investment that was made at the initial stages (Berezin

Current Macroeconomic Situation Essay Example | Topics and Well Written Essays - 750 words

Current Macroeconomic Situation - Essay ExampleThe argument that one takes scarcely meat and no pasta or read is for one to be likely to lose incubus (Pollan, 2007). I think the argument is that the pasta and bread only add up to carbohydrates. The Atkins diet nominate eating meat only and no bread, I think there ar many opposite risks associated with a parcel of protein. Dr Robert C. Atkins may have invented the Atkins diet, but I must question how it happens that people mollify prefer taking sliming pills or other fad diets. Though this may be the best diet, it does not make sense because people need energy as source of energy boosters (Pollan, 2007). Fat and carbohydrate and sources of energy, but the Atkins diet fails to recommend them. Perhaps the argument fails to consider the fact that carbohydrates be not the chief(prenominal) cause of weight gain (Pollan, M. Chevat, 2009). There are many types of foods that people think contribute to the expectant, this stamp is true but it is just how much and how often one takes them. For example, fast foods contribute significantly to overweight especially if one consumes them more often and on a daily basis. On the other hand, untypical consumption of fast foods do not have much effect on the body as fast as weight gain is concerned, it is important to consider consuming recommended quantity of such foods (Pollan, 2007). ground on the above argument, it is healthy to argue that the omnivores argument is wrong as not all foods contraindicated by the omnivores are bad. In fact, all those foods have well for health and they contribute to a healthy you. It is also imperative to note that the countries that the omnivores are believed to have a positive diet have overweight people, and if the omnivores thinks slimmer is healthy, I am a little confused because that is not what healthy means (Pollan, M. Chevat, 2009). Having read Rousseaus, a lot seems to be misplaced because the information does not add u at all. For example, most of the works are borrowed from other texts and this does make Rousseau an expert. Additionally, his argument is not sounding like those of an expert. Rousseau, introduces the consumption of mushroom and does not come out clean where mushroom fits in (Pollan, 2007). Firstly, mushroom is a vegetable that is relatively harmless but damaging if the wrong specie is taken. The fact that most of the text in these books does not make them authors because nothing in these books are original content but other people works. This only makes their work vague. There is also the feeling that their work is mainly commercial because there is a lot of reference to the availability of the foods in supermarkets (Atkins, 2002). This may be marketing gimmick. There are many mistakes in ignorance, for example, people tend to to each one whatever they come across without knowing the consequences of their diets and this may not be easy to change considering that, they are ignora nt. People will easily eat what they want as long as they can pass these foods. It is just ingrained in the mind of people to eat what they desire and this may not be easy to change (Pollan, 2007). As the supermarket is commercial entities, they are much into business and are focused on profitability. Most supermarket are only sell the products brought by their suppliers are may not be enkindle in knowing how their foods contribute to the health of their customers Westman, C et al. (2010). Therefore, it is the duty of the customers to

Animal Cruelty Essay Example | Topics and Well Written Essays - 500 words

Animal Cruelty - Essay Exampleargon passive acts in which animals are left(p) ignored due to the rattling absence of proper care which may harm the animal seriously, such as, starving the animal. Here, we will discuss an active act of cruelty- abuse with dairy cows in grind farming.For a dairy cow to be able to rent in milk, she must give birth frequently. In todays farming industry, the dairy cows are forcefully made pregnant by artificial insemination so that they are able to give birth to calves e genuinely year. The pregnancy duration for a cow is the same as humans, that is, nine month. Thus, giving birth every year is a very tedious job for a cow. Even after birth while the lactation is going on, insemination is through with(p) and cows are again made pregnant for the reason that they may be able to remove out producing milk and never stop. Moreover, now with the use of technological means, cows are made to produce milk much more than they can naturally. This keeps the ir bodies under constant stress and tension which can bring hazardous problems to their health. They are kept in windowless sheds, wire cages, gestation crates, and other confinement systems (People for the Ethical treatment of Animals).Feeding them high energy diet, so that they can produce copious quantity of milk, causes metabolic disorders including ketosis, which can be fatal, and laminitis, which causes lameness (Factory Dairy Production). Mastitis, Bovine Leukemia Virus and Johnes disease are getting commoner in cattle day by day. When the production of milk is greater than the quantity of calcium made in the cows body, it causes calcium deficiency. Furthermore, these cows are also slaughtered for human consumption just after very few years of their lives when they can live longer in natural conditions. Newly born calves are also abused. Male calves are beaten and forcibly drawn toward slaughter houses while female calves are supposed to replace the older cows. Male calves a re slaughtered also for veal production for

History of the Israel-Palestinian conflict Essay

History of the Israel-Palestinian contravention - Essay ExampleThe conflict stems from a competition of land in Palestine. The beginning of the WWI in 1914 brought intimately the Ottoman Empire entering either side of the conflicting central powers. Therefore, both the Zionists and Jewish Nationals were further to purchase land in the region. The conflict do the two countries more suspicious of each opposite since the British cute to control the region under disagreement. The Arabs in 1915 vow to support British in the War after letters were exchanged between Sharif of Mecca and Medina with the British administration. This fueled the tension between Israel and Palestine. However, the Sykes_picot concordance in 1916 further enhances the feud when three states agree to share the piece of land in pass among themselves. Additionally, Sharif Husein self proclaims himself as the King of the Arab countries and the British recognises him as so. This affected Israel in a huge mood be cause they d not have a leader.1917 was a major twist in the conflict. This is because the British wanted to have the U.S. as their allies. This made them rally behind the American Jews which was a major blow to their consanguinity with the Palestinians. This was not only confusing to both sides, but also further fueled the conflict. Conflicting promises were made to the two populations. The Balfour Declaraion, as well as, Hussein-McMahon Correspondence was made. This affects the stand of the two countries because each believes to have been promised different aspects of their existence.

Statistics paper Essay Example | Topics and Well Written Essays - 750 words

Statistics paper - Essay ExampleCommercial sample showed a strong minus correlation (r=0.98) while residential sample showed a strong positive correlation (r=0.97) between the accounting size and the delay. The date of a payment foot be predicted by the turnabout equations derived separately for commercial message and residential samples.Late amount payments always trouble the service providers by interrupting their future planning and investments. check off can be varied from a day to few months or sometimes a year. It is real helpful if a service provider can predict the date of the payment.The size of the institutionalize whitethorn have a relationship with the number of days the payment delays. It may take a huge time for a customer to pay a large step than a small bill or it could be vice versa. However if such a relationship is found the service provider can use it to predict payment dates and work accordingly.The mean values of the total and sub samples (commercial and residential) were calculated. throwback analysis (linear) was performed using Excel and SPSS statistical packages to find out possible correlations between the size of the bill and number of days the payment delayed. Size of the bill was considered as the independent variable in this analysis. reasoning backward analysis for total sample (figure 1) showed no correlation between bill size and delay. However regression analysis for commercial sample (figure 2) showed strong negative correlation. This explains their behavioral trend of paying large bill more quickly than that of the small bills. The residential customers expressed a totally different behavior than the commercial customers. They delay the payment as the bill size increases.Amongst the commercial customers the bill size negatively correlate with the delay while it was positively correlated with the delay amongst the residential customers. The date of a payment can be predicted by the following regression

The New Deal and Second New Deal Research Paper

The New plentitude and Second New Deal - Research Paper ExampleThe trade in sought to relieve people from un avocation, and those who were at risk of losing homes and farms, business and agricultural recuperation, as well as introducing reforms, particularly via the introduction of the vast TVA (Tennessee Valley Authority). However, the impacts of the New Deal had to take time since about thirteen million Americans were jobless by 1933. Additionally, banking industry had been shuttered. Body Herbert clean Although President Herbert Hoover introduced the New Deal, he lost the presidency to Franklin D after the 1932 election. Blames were raised concerning Hoovers irresponsibility which led to the crashing of the express market as well as causing depression. Franklin mightily opposed legislation of the New Deal via which the federal government worked with assumptions. These assumptions concern the responsibility regarding the national welfare done by assuring high-level activities of the economy. According to Hoovers critique, Roosevelt took long to reveal programs behind the New Deal during the campaign for the presidency, and was concerned that the newly come president would risk sinking America into deficit spending at the disbursement of the New Deal. There was consultation done between Roosevelt and Hoover, nor did Roosevelt involve Hoover in government at all while he was still the president. The Hundred Days President Hoover called for a singular session of Congress which happened on March 9. Promptly, Hoover started submitting reform as well as measures for recovery validation to be done through congressional. Almost every bill proposed by president Hoover got enacted by Congress. The 99-day session, counted from 9th March to 9th June was referred to as the Hundred Days. The Second Hundred Days Additionally, Congress enacted a heel of important reform and relief measures in 1935 sometimes referred to as the Second Hundred Days. Some of the measur es enacted at bottom this Second Hundred Days included a unified resolution to forsake the 5th June gilded standard National Employment System Act by 6th June which sought to generate the employment service for America billet Owners Refinancing Act by 13th June, in order to create the Home Owners Loan Corporation (HOLC) with an intention of refinancing non-farm mortgages Glass-Steagall Banking Act of 16th June 16, aiming to support varying reforms in the banking industry.

Foundations of Criminal Law Assignment Example | Topics and Well Written Essays - 1750 words

Foundations of Criminal Law - Assignment ExampleFraud losses impaction deeply or adversely almost every aspect in business. The fraud management is primarily encountered through the Deterrence, Prevention, Detection, Mitigation, Analysis, Policy, investigation and Prosecution3. Although definitions of legal insanity differs according to states, generally a person is considered insane and not responsible for a criminal conduct if, at the time of the offense, as a result of a severe mental disease or defect, he is not able to appreciate the nature and calibre of his criminal act4. SET 1 Case 1 The article is ab break a case against a person named Lord Hanningfield who had been held guilty for using the funds of Essex County Council mainly for his own personal interests by citing faithlessly claims. It is a case of theft by mistaken account statement. Theft is defined as a guilty offence where a person may wish to dishonestly obtain property belonging to other5. at that place are five elements of theft which are appropriation, property, belonging to other, with the intention of depriving the other permanently and dishonesty6. Theft by false accounting arises when a person dishonestly destroys or falsifies an account or any disk required for an accounting purpose. Also if the information furnished by the person, who may be required by any accounting purpose, is untrue by the fellowship of the person, it is also known to be theft arising out of false accounting7. False accounting is used to obtain more funds from the banks or related institutions8. In the article Lord Hanningfield was found guilty of using the funds of Essex County Council by submitting receipts and claims which were found to be false. It was found that he had provided false details about his travel expenditures to draw money out of the council. He had submitted a receipt of ?500 for traveling which was found to be false. He also used the knack of a chauffeur driven car provided by Essex Cou nty Council to his home when the distance was only of 46 miles. The convening allowance level is ?174 for a single night without a receipt. Lord Hanningfield had repeatedly violated this provision. He had booked for airfares to India and hotels outside London which were booked by others. Also, it was found that Lord Hanningfield was in full knowledge about the false claims when it was being committed. This is a case of fraud caused by theft in accounting as it satisfies the five elements for causing a theft a well as accounting inappropriately that is caused intentionally. However, Lord Hanningfield claim that he had used the money which he is entitled to does not provide a clear picture of theft. The above mentioned law does not explain this clause as whether the defendant had utilise his rights or it was a fraudulent behavior. The article is insufficient to deduce if it was fraud by abuse of position. at that place are statutory conditions against fraud caused by theft of fals e accounting. On conviction, the accused can be sentenced to imprisonment for a term not exceeding seven years 9. Case II In this case of fraud, the wife of a policeman was alleged of taking part in a ?10 million mortgage scam for the exchange of the high value goods. This is the case of fraud by false representation. A person is said to be in violation of this law if he person makes a false representation through dishonest means, for the intentions of reaping gains for him or

Uses of coal Research Paper Example | Topics and Well Written Essays - 1000 words

Uses of char - Research Paper Example burn is a fossil fuel and is the modify remains of prehistoric vegetation that originally accumulated in swamps and peat bogs. The energy we get from coal at once comes from the energy that plants absorbed from the sun millions of years ago. All living plants store solar energy with a process known as photosynthesis. When plants die, this energy is usually released as the plants decay. Under conditions favorable to coal formation, the decaying process is interrupted, preventing the release of the stored solar energy. The energy is locked into the coal. Coal formation began during the Carboniferous Period - known as the starting time coal age - which spanned 360 million to 290 million years ago. The build-up of silt and other sediments, together with movements in the earths crust - known as tectonic movements - buried swamps and peat bogs, often to great depths. With burial, the plant material was subjected to full(prenominal) temperatures a nd pressures. This caused physical and chemical changes in the vegetation, transforming it into peat and then into coal. (World Coal Association) Coalification The quality of each coal deposit is mulish by varying types of vegetation from which the coal originated depths of burial temperatures and pressures at those depths length of time the coal has been forming in the deposit The mark of change undergone by a coal as it matures from peat to anthracite is known as coalification. Coalification has an important manner on coals physical and chemical properties and is referred to as the rank of the coal. Ranking is determined by the degree of transformation of the original plant solid to one C. The ranks of coals, from those with the least century to those with the most carbon, are charcoal, sub-bituminous, bituminous and anthracite. ab initio the peat is transformed into lignite or brown coal - these are coal-types with low organic maturity. In contrast to other coals, lignite is quite soft and its color can array from dark black to various shades of brown. oer many more millions of years, the continuing effects of temperature and pressure produces further change in the lignite, progressively change magnitude its organic maturity and transforming it into the range known as sub-bituminous coals. (World Coal Association) Further chemical and physical changes fade until these coals became harder and blacker, forming the bituminous or hard coals. Under the right conditions, the progressive increase in the organic maturity can continue, ultimately forming anthracite. (World Coal Association) In addition to carbon, coals contain hydrogen, oxygen, nitrogen and varying amounts of sulphur. High-rank coals are high in carbon and therefore heat value, but low in hydrogen and oxygen. Low-rank coals are low in carbon but high in hydrogen and oxygen content. Coal is one of the worlds most important sources of energy, fuelling almost 40% of electricity worldwide. In ma ny countries this figure is much higher Poland relies on coal for over 94% of its electricity South Africa for 92% mainland China for 77% and Australia for 76%. Coal has been the worlds fastest growing energy source in recent years rapid than gas, oil, nuclear, hydro and renewables (The Coal Resource). Coal has a very long and varied history. Some historians believe that coal was first used commercially in China. There are reports that a mine in northeastern China provided coal for smelting copper and for casting coins around 1000 BC. One of the earliest known references to coal was do by the Greek philosopher and scientist Aristotle, who referred to a charcoal like rock. Coal cinders found among Roman ruins in England mention that the Romans used energy from coal before AD 400. Chronicles from the Middle Ages provide the first evidence of coal mining in Europe and even of an international trade as sea coal from heart-to-heart coal seams on the English coast was gathered and ex ported to Belgium. (The Coal Resource). Coal has played this significant government agency for centuries

Gap between Management Theory and Practice Essay

Gap between Management Theory and work out - Essay ExampleThe evolution of the concept of do byment dates back to the early civilization. It is due to the art of strong management that those early civilizations produced marvelous wonders that are admired to date. There are many management theories that apologise the different styles of management and their impact on the organization. Mason (2010) supported the argument and stated that there has ceaselessly been a clash of opinions between the academicians, who develop theories of management, with actual professionals in the organizations. The basic difference has been described by Grayson.Management Scientists or researchers develop management theories which guide the managers to become more organized and structured in their policies and procedures. They are expected to utilize scientific methodology, sociology for organizational decisions as well as people management.Managers manage the operations and employees by their rule of thumb and need of the hour. They feel that standard theories of management can non be employ to all instances and issues in a professional life. At times, the fast paced nature of modern business does not give leverage for standard policies and procedures to be developed and thus followed in a strict manner.

Case study of 2007 Mattel toy recall Essay Example | Topics and Well Written Essays - 2000 words

Case study of 2007 Mattel toy recall - canvass ExampleThe result was that the company had to recall the major part of its carrefourion as the toys manufactured by the contractors contained toxic components. For instance, its toy Sarge contained high levels of lead, and some other items such as Batman, Polly Pocket and Doggie day care contained powerful magnets that could be easily swallowed by children. This paper pull up stakes analyze to what extent Mattel Inc demonstrated its legitimate and ethical responsibility while responding to the issue. It will also discuss the role of other parties involved. Finally, the paper will suggest an essential approach for the society to ensure that their children are protected from harmful toys. 1. Evidently, Mattel acted in a responsible track by performing a series of product recalls in 2007. Although the U.S. Consumer Product gum elastic Commission (CPSC) inform Mattels five initial recalls on August 14, subsequently, on 4th September, Mattel announced the recall of other items that contained lead and harmful magnets (Case study). This was the real indication of the fasts ethical and kindly responsibility toward the entire world. At the same time, the incident shows that Mattel must reconsider its outsourcing or international crinkle strategies. Evidently, Mattel did not clearly analyze the risk factors associated with outsourcing business in China. It also failed to forecast the likeliness of spirit compromise while choosing Chinese contractors. These strategic flaws cause people to doubt the ethical accountability of the firm as well as the effectiveness of current regulations. Although Mattels strategic decision on producing toys in China flawed, the way the firm responded to the 2007 issue was very substantial. Mattel has been very keen on maintaining its public hydrofoil despite certain issues such as that of the 2007 recall. As Lawrence and Weber (2010) point out, in 1997 Mattel developed its hold deta iled code of conduct and since then, it added its genuine effort to comply with the code in every saying with the extended help from ICCA, an independent audit firm. For instance, the issue associated with Mexican plants, where workers complained that they had to stand without a break for octonary hours a day, was immediately addressed by the company in a very reasonable way (p. 104). As per the SICCA report, Mattel Inc in 1997 defined its global code of conduct (Global Manufacturing Principles) for its production facilities and contract manufactures and the GMP covers such issues as wages and hours, child labor, forced labor, discrimination, freedom of association, legal and ethical business practices, health and safety, protection of the environment, and abide by for local culture, values, and traditions (SICCA, 2010). Again, as the case study states, in China itself Mattel had its own facilities and special test labs for scrutiny the quality of the products and the company ha d its own specific standards with regard to the levels of lead in paint. Undoubtedly, the company initiated an extensive investigation in July after a European retailer found that paint on a Mattel product (Case study). Moreover, the company never wanted to hide its fault and instead, informed the world that it was earnestly trying to make up the issue in union with the Consumer Product Safety Commission in the United States and other

Was World War Two a Good War Essay Example | Topics and Well Written Essays - 1000 words

Was World War ii a Good War - Essay ExampleThis is evident with the com handscement of WWII, which historically scorn cited as a good state of warfare in terms of ending repressive regimes, is far from it due to then(prenominal) its associated mass extermination of human life and crippling of allies economies. Contrary to numerous scholars works non citing detrimental effects of the war, it yielded to immense loss of lives to both civilians and those who engaged autocratic or evil forces as commonly preferred. As Mooney states, roughly 6 million Jews and approximately 4 million others were murdered in the Holocaust (Mooney, 110). Hence, revealing the utter retaliations of autocratic forces after realizing their victims of the daylight had support from external world, which was ready for engagements. However, numerous history scholars despite noticing this utter humiliation tend to incline towards adopting political perspective while ignoring scars the war left in peoples hearts . Most of the retaliations made by the then evil forces/powers of the day encompassed unleashing terror on those who could not defend themselves. The core reason was to irritate other global blocs who through their actions of inducing peace seemed to defend victims despite most of them being not their citizens. However, these efforts by sympathizing blocs instead of speech relieve to the suffering continued to worsen while trying to eliminate totalitarian regimes. According to Mooneys sentiments, 100,000 more eventually died from burns and radiation sickness On 9 August a secondly atomic bomb was dropped on Nagasaki, killing 80,000 more Japanese (Mooney, 119). This was more than what opposing peaceful blocs unneurotic with their allies of the then campaigned while in the quest of inducing peace and saving life. It is irrefutable WWII despite attributed with overthrowing and containing the then tyrannical powers, it yielded to the destruction and stagnation of numerous global econ omies. This is in terms of numerous resources that went into reinforcement the military forces against their autocratic enemies, which was not an easy task. According to Ernie, For a mile out from the beach there were scores of tanks and trucks and boats that you could no longer see, for they were at the bottom of the water - swamped by overloading, or hit by shells, or sunk by mines (Ernie, The Horrible Waste of War). This was one of the numerous destructions evidenced on both sides as each pioneering state solicited monetary and weaponry support from respective allies. Hence, rendering the war as the most expensive the world has ever had, which somehow crippled entire global economy. It to a fault led to the disruption of family structure whose effect is still evident to date. The female gender ended up assuming males occupations where they worked in industries to support the then ongoing combat. During then, almost all men comprising the energetic gap ganged together compelled by their respective states to wage war against tyrannical powers. This is evident in Sauers confession citing, I worked seven days a week (Sauer, The War Changed My Life entirely). Hence, revealing utter situation she had to undergo due to the lack of labor force in industrial firms where

The Risks of Unprotected Sex among Australian Teenagers Essay

The Risks of Unprotected Sex among Australian Teenagers - Essay ExampleThese contacts exit be used as the source for statistics relating to incidence of HIV/AIDS, other STIs, and unplanned pregnancy among young muckle. mitigatory Care WorkerAdd Details.A palliative care worker will be interviewed for much information nearly living and dying with HIV/AIDS.AnonymousAn anonymous teenage source will be interviewed to get their opinion on subjects relevant to the articles, such as exposed sex and thoughts on the consequences.AVERTThis order is being used as the source of all factual information about the physical emergences of HIV/AIDS and other STIs. AVERTThis section of the AVERT tissue site contains real life stories from teenagers who accommodate HIV/AIDS. Some have contracted the virus through having vulnerable sex.Secondary Sources health Insite - ContraceptionThe Health Insite web pages are a collection of many distinguishable sources of information. It is included here to show the source of the diverse other page cogitate. All direct links from this site have been reviewed by Health Insites column team to ensure the quality of information is high.Health Insite - Safe SexA collection of articles relating to safe sex in Australia.Teen Health Topics - atomic number 18 you Ready for SexThis site provides advice for teenagers on safe sex and deciding if they are ready to have sex. This will be used to help readers decide these questions for themselves.Family Planning Association Fact Sheets These are a collection of pamphlets containing a... With unwanted pregnancy and informally transmitted infections (STIs) a very real risk of unprotected sex, my intent with this project is to provide the full facts to young people. I believe that many young people ignore contraception simply because they are unaware of the issues, or because they have not been presented with the issues in a way that makes them real. Teenagers especially always think it wont hap pen to me. My intent is to show them that it does happen to people identical you. I intend to interview and collect information from people and sources that clearly show the devastating effect unprotected sex can have on teenagers, from unwanted pregnancy to HIV/AIDS.The Health Insite web pages are a collection of many different sources of information. It is included here to show the source of the various other page links. All direct links from this site have been reviewed by Health Insites editorial team to ensure the quality of information is high.This study shows a high correlation between sexual knowledge and sexual confidence.

The Sexual Misconduct Underage Girls In The Swimming Teams Undergo Movie Review

The Sexual Misconduct Underage Girls In The Swimming Teams Undergo Under Their Coaches - photographic film Review ExampleThe coaches see the girls as easy prey and spread their inner tentacles to them. They threaten them to moderate that word of their knowledgeable misconduct does not reach adults. Their sexual misconduct is a slow transit that starts with simple talks and then advances to caressing. This is followed by kissing and later fondling. Some stop at this institutionalize but some coaches simply break the limit. They advance to deep kissing and later full sexual intercourse (Ross, 2010).They do not care that these are minors they are dealing with which is not unaccompanied legally unacceptable but it is morally and ethically inappropriate. They do not care about the lives of the young person girls they are messing more or less with nor do they care about the life long trauma the girls will conquer as a result of guilt and harboring secrets. All they care about are their own sexual gratification and when discovered, they quickly relocate to another state and continue the same cycle.The other key closure raised is the fact that the US swimming association does not take the issue seriously. It defends their coaches and lets them back on the job after suspension or simply with a warning. They also fail to conduct puritanical background checks on a coach before being hired and they simply rely on official criminal records. Many coaches who are sexual molesters and have gotten away with it still roam around and seek similar jobs elsewhere and hunt for new preys to sexually molest.

Mix Racial and Cultural Groups Are Growing in the United States Essay Example for Free

Mix Racial and Cultural Groups ar Growing in the coupled States EssayMixed Racial and Cultural Groups is increased by a marginal human action in the get together States. The growth of these multiracial classifys started to surface through migration of different ethnics and raised(a) most of their families in the United States even through marriage. These argon some of the issues that have been raised by individual people of having an entity separation of mixed race and cultural or to considered them as Americans without a hyphen. thinking nigh this issue myself, and thinking of my two children who married to a different ethnic rather than Samoans. These questions get on to mind about this issue How, Why, and what the three words that needs a big explanation about this matter. According to multiracial Americans, Americans whose identity as two or more races identifies with just one group culturally and well-disposedly. From statistics that I got from online, stated that about 2. 9% of the population in the year 2010 are self-identified as multiracial. The identity or the classification of the peoples identification is generally according to the culture they were raised in.Social segregation in m either areas of the counattempt is forming interracial unions or cultural group. The diversity of social conditions through migrations brought new groups of people to the United States. Through these migrations, mixed races started to rise when interracial marriage were born(p) and started to increase in the United States. The movement of multiracial identity by more than one ethnicity has interpreted propose and strong. Statistics from the year 2010 census in the United States shows that the largest multiracial groups were white and black which is 1. 8 million. The some other 1.7 millions are white and some other race, white and Asian is 1. 6, white and American Indian and Alaskan Native is 1. 4 million. I have learned that the largest growing group in multiracial is white and black which is about 134%. That is more than 1 million people. MIX RACIAL AND CULTURAL sort out According to Susan Saulny of the New York Times, title Race Remixed, said that sea of change is how we think about race, ethnicity and its place in society. I accept that a challenge to trend towards multiracial from a sociological perspective is a leap that we should take.The understanding of racial and ethnic categories of their boundaries can be a riddle to other multiracial groups. I think that ancestry is the biggest influence in identities through a number of generations through migrations. I also believe that each multi mix or racial group should be case-hardened the same regardless of their identity. If they are legally citizens of the United States, they have the right to be treated equally. I believe that they have contributed to the wellbeing and welfare of the United States through their services in consumption within the government, military or private companies.Regardless of the race and ethnicity, they should be treated and considered Americans. President Obama is nifty example of what I mean about treating them the same no matter what color of their skin or where they are from. I know that some of these mix race entities are trying to separate themselves with-in the United States but when they travel to other countries of the world, they considered be call Americans. As a citizen of New Zealand, I am proud to call myself to be an American and I respect the land that my children were born.What can the United States or these multiracial groups gain from wanting to be separated from their identity. Through my search online, I came across Mrs. Karissa Sullivas draft and she said that ancestry influences identities. She said that socialization is the crucible of racial and ethnic identity formation. Farley in 2002, construct racial and ethnic classifications which was adopted by the government for each race or reconsidered themselves to any refuse to identify their own race and ethnic category. MIX RACIAL AND CULTURAL GROUP.I believe that mix racial and cultural groups are increasing daily by the number throughout the United States. However, research shows that children with an original multiracial identity grow up to be happier than those of single-race identity. Some of the statistics shows that another rise to power to the growth of mix race is through adoption of children from countries outside of the United States. According to Facts for Families 2010, parents are coping with these pressures in having open communications with the families about their culture and race.Encouragement and support in every multicultural group for families to be familiar with their language, traditions and customs within their families. They have to support and try to establish a good relationship by creating a network for their children, parents, family member, relatives and the community. In conclusion, the separat ion and classifications surrounded by mix racial and multicultural groups is not an easy task or thing to do. Two of my children are married to different ethnic. My oldest daughter is married to an African American and my son is married to a misfire who is beautiful and white but has about four or five mix blood in her.I believe in democracy and the United States is nowhere in having a separation of any mix race and cultural group who are living in the United States. God conjure America, God bless the people of the United States. References Perez, Anthony Daniel, Hirschman, Charles. The Changing Racial and Ethnic. http//www. ncbi. nlm. nih. gov/pmc/articles/PMC2882688/ The American Academy of Child and teen Psychiatry (March-2011). Facts for Families, no. 71 Multiracial Children. http//www. aacap. org/galleries/FactsForFamilies/71_multiracial_children. pdf Dr. Nicole Martinez and Mrs. Karissa Sullivan. May 6, 2013 .docx.

Sound Pollution Essay Example for Free

Sound Pollution EssayIt focuses not on the cliched environmental problems much(prenominal)(prenominal) as Global warming, save on an issue that is quite exceptional in nature- Noise Pollution. Its figure of speech quite clearly outlines its aim and purpose of existence*- Awaaz is a Hindi word that means- Voice. Sometimes, in day-to-day language, it is similarly used in reference to noise. Voice, noise. Perfect. Its aim is to counter noise pollution. It may sound weird, but noise pollution is one of the most prominent environmental pollutants in India. It is quite exclusive to the metropolitan cities in India-Delhi, Mumbai, Calcutta, Chennai, Bengaluru etc. Literally Noise pollution is encountered almost every day in much(prenominal) places, whereas in the rural areas, it occurs periodically- noise pollution peaks during festivals- the beating of drums, trumpets, loud speakers, fire crackers, bombs etc add to the high- hahnium noise make by the people during the harvest fest ivals and other religious festivities.In the cities and other urban sites, we can situation that noise pollution is higher than usual during election times- the politicians about a hundred from each politicsal party, which itself count up to seven hundred fifty from all over the nation, use loudspeakers that cross the supreme noise limit approved by the Supreme Court of India. The maximum decibel limit ranges betwixt 125 and 145 db (db- Decibel unit to measure the noise level) Especially during Diwali- a far-famed festival of light celebrated all over India by Hindus- involves bursting of firecrackers and bombs.These explosions and lights are mainly incorporated into these festivals to bear witness joy and festivity. However, when a test to check the noise pollution caused by the firecrackers, was performed by the Maharashtra Pollution ascendency Board (MPCB) and Awaaz Foundation before Diwali, it was found that at least 8 crackers crossed the decibel limits by considerable amount.Following many such incidents, the Awaaz Foundation has been quite active in bed cover awareness of the ill effects of noise pollution by helping to shape up the government policies on the same. It has in any case organized two seminars The first on the pollutant Loudspeaker on October 2004 and the next concentrates on noise pollution caused by traffic and construction sites- the latter was conducted on February 2006.To talk about the actual effect that Awaaz has managed to create in the lives of the Mumbai citizens a) Several strategies and policies suggested by the Awaaz Foundation were accepted the Government of Mumbai and were implemented such as Incorporation of noise parameters in the construction sites of the Mumbai- Nhava Trans Harbor Sea Link. Also it has agreed to be a Silence Zone after completion of the construction. Silence zone region around a noise-producing source in which the noise is not audible.b) Under the foundations influence, a No Horn day has also come into practice. c) Noise Barriers have been introduced in the roads of Mumbai. d) Under its efforts, many other places have been declared Silence Zones. e) Monitoring of sound levels, especially during festivals and Political rallies have led to considerable decrease in noise pollution in Mumbai.Other activities undertaken by this foundation to gradually improve the environment of Mumbai are criminalise of Sand Mining in several Beaches, organizing a Workshop that discusses alternative methods on building and construction that do not use sand and participation in the Mumbai Tree Association are also its other initiatives. However these are not that prominent compared to their role in preventing Noise Pollution.Referencehttp//www.indianexpress.com/ intelligence agency/decible-levels/703669/

Food Inc Essay Example for Free

Food Inc EssayHow is the text you squander studied in class constructed to portray certain ideas? Documentaries ar usually constructed to portray one raze of view, whether it is a negative or positive point of view. Food Inc directed by Robert Kenner, presents a umteen ideas about how the straightaway sustenance industry is affecting the ways in which Americans eat. They do this by viewing one perspective instead of both. Food Inc doesnt explore in to detail the positive aspects of fast diet they are just focusing on the negative. They construct the documentary using techniques such as expert doctrines, Interviews and statistics to present certain ideas throughout the documentary. The main idea explored throughout the documentary was the fleshly rigor caused by humans due to modifying the development of animals. They ways in which they present this ideas is mainly through footage of the animals scathe and the juxtaposition of the animals before they were modified and how the animals are now.The footage of the crowded cows helpless and unable to move creates a setting which portrays a negative feel and creatively making us feel sympathetic towards the animals. The shots of the chickens non being able to walk due to the genetic modifications of the animal, creates the idea of humans purposely provoking animal cruelty. They are changing the ways in which an animal develops for their own needs and generally to make much money. This is clearly shown through the juxtaposition of the old chicken and the new chicken.This Juxtaposition makes us question how it is potential to grow a chicken in half the time yet be double the sizing? It therefore makes the documentary more engaging as we are starting to question the farmers ourselves and therefore are dragged into believing what the documentary is trying to portray. Another idea explored in the documentary Food Inc is the constant run afoul of the prices of healthy foods compared to the prices in fast food restaurants.The ways in which Robert Kenner has constructed the documentary to perceive the fast food outlets being cheaper is through an interview with the Gonzalez family. They are an average sized American family who eat fast food due to their financial status. Kenner used the juxtaposition of the price of a meal at McDonalds to buying a meal at the supermarkets. At McDonalds the Gonzalez family can buy a burger and drink each for 11$, they accordingly show you the Gonzalez family inside a grocery store struggling to buy a lettuce for under 2$ which worked out to be the cost of their whole meal at McDonalds.This makes believe what Kenner is trying to portray and are drawn into believing that fast food is always cheaper than the groceries. However we are not given both cheap healthy displays in the supermarket, instead given with cheap unhealthy items such as 99 cent cokes. Kenner has purposely portrayed the unhealthy items in a negative way to create an opinion that we ar e being forced in to fast food rather than having the choice of fast food.

Dbq Regarding the Literary Responses to World War 1 from 1914 to 1928 Essay Example for Free

Dbq Regarding the Literary Responses to orb War 1 from 1914 to 1928 bear witnessHistorical ContextWorld War 1 (1914-1918) was a war that was inevitable, but almost completely underestimated. As the war dragged on for four years and millions of lives were expended in the name of victory, many were greatly impacted culturally, mainly Europeans and Americans. In what was known as the lost generation, many poets and writers developed new forms of literature in response to the devastating consequences of the war.DBQ Prompt Identify and analyze the various European and American literary responses to World War 1 created during the war and in the decade after the end of World War 1. record 1- obtain Paul Valry, French poet and critic, The Crisis of the Mind, evaluation of European mind and civilization (1920). --The storm has died away, and sedate we ar restless, uneasy, as if the storm were about to break. Almost all the affairs of men remain in a terrible uncertainty. We think o f what has disappeared, and we are almost destroyed by what has been destroyed we do not know what will be born, and we fear the future, not without reason Doubt and disorder are in us and with us. There is no thinking man, however shrewd or learned he may be, who can hope to dominate this anxiety, to escape from, this impression of darkness. -Document 2- address Roland Leighton, British spend serving in France, letter to fianc Vera Brittain (1915). --Among this chaos of twisted iron and splintered timber and shapeless earth are the fleshless, blackened bones of simple men who poured out their red, sweet wine of youth unknowing, for nothing much tangible than Honour or their Countrys Glory or anothers Lust of Power.let him who thinks that war is a divine golden thing, who loves to roll forth stirring words of exhortation, invoking Honour and Praise and Valour and Love of Country. Let him look at a little pile of sodden grey rags that cover half a skull and a shine bone and what might have been its ribs, or at this skeleton lying on its side, resting half-crouching as it fell, supported on one arm, perfect but that it is headless, and with the tattered clothing still disguised around it and let him realise how grand and glorious a thing it is to have distilled all spring chicken and Joy and Life into a foetid heap of hideous putrescence. -Document 3-Source Ernest Hemingway, American author and expatriate, The Sun Also Rises, expatriate character adventure (1926). --Youre an expatriate. Youve lost touch with the soil. You get precious. role player European standards have ruined you. You drink yourself to death. You become obsessed with sex. You spend all your time talking, not working. You are an expatriate, see? You hang around cafes. -Document 4-Source F. Scott Fitzergerald, American writer, This Side of Paradise, examines post-war ethical motive with fictional love plot (1920).-I simply state that Im a product of a versatile mind in a restless genera tion-with every reason to throw my mind and pen in with the radicals. Even if, deep in my heart, I thought we were all blind atoms in a populace as limited as a stroke of a pendulum, I and my sort would struggle against customs try, at least, to displace old cants with new ones. Ive thought I was right about life at various times, but faith is difficult. One thing I know. If living isnt seeking for the grail it may be a damned amusing game. -Document 5-Source Eleanor Chaffer, French woman, poem disjointed Generation published in a newspaper (1921). --Look not for the flower of innocence in these eyes,-Gravely and silently they have looked on death,-Seen terror rain down from unfriendly skies,-Learned firearm yet infants how frail is mans breath.-They have turned from a landscape where the ground-Is poisoned and destroyed give them a toy-And it is held in their hands with no sound-Of childish mirth. This solemn-faced small boy-Is older than his commence in his face,-Wisdom is th e ghost that will not leave-The world to him is a wild and dicey place-No covert here where he may hide and grieve.-Look well on these, and on the world we made-As heritage for them and be afraidDocument 6-Source Wilfred Owen, English poet and soldier, Dulce et Decorum Est, addressed to his mother, written 1917, published later (1920) --If you could hear, at every jolt, the blood go far gargling from the froth-corrupted lungsObscene as cancer, bitter as the cudOf vile, incurable sores on innocent tongues,My friend, you would not enjoin with such high zestTo children ardent for some desperate gloryThat old lie Dulce et decorousness estPro patria mori-Document 7-Source D.H. Lawrence, English novelist and poet, Lady Chatterleys Lover, fictional protagonist has a love affair, examines structural morale (1928). --Ours is essentially a tragic age, so we refuse to take it tragically. The catastrophe has happened, we are among the ruins, we start to build up new little habitats, to hav e new little hopes. It is instead hard work there isnow no smooth road into the future but we go round, or scramble over the obstacles. Weve got to live, no matter how many skies have fallen. -Document 8-Source Kathe Kollwitz, German expressionist artist, The Survivors (1922), by Kathe Kollwitz-.

National Bank Essay Example for Free

interior(a) bound stressA research program is very important essential for acquiring experience finished acquire and spreading the scope of Knowledge. I have done my research program in theme brim bound, unconnected substitute counterbalance. This research taradiddle is aimed at providing a comprehensive picture to the beas of Foreign convince operation of discipline deposit Limited. The report has been divided into twelve parts. These atomic takings 18- Introduction, Brief History of fixing Sector of Bangladesh, corporeal review of NBL, Foreign Exchange, Documents Used in Foreign Exchange Business, Letter of Credit (L/C), Import, Export, Foreign Remittance, Findings and Analysis, References. National savings bank Limited is one of the largest mercantile- soma Bank of Bangladesh. The main objective of the Bank is to provide entirely of imprecateing function at the doorsteps of the slew. The Bank also participates in various affable and development pro grams and takes part in implementation of various policies and promises make by the Government.National Bank Limited plays a pioneering role in handling foreign profession and foreign telephone tack transactions. With wide network of branches at home and a large topic of correspondent banks homowide, it is handling the largest volume of exportation-import business including homebound remittances. For this reason, Foreign Exchange of the Bank is very much essential. But now a days banking sector of Bangladesh is suffering the distemper of default culture which is the consequence or outlet of bad performance of intimately banks. There are three graphemes of modes of foreign exchange market, which are- Export Financing, Import Financing and Foreign Remittance.Foreign Exchange Branch does these foreign exchange activities vastly. In this report, I mention the over completely operating procedure of foreign exchange transaction of National Bank Limited. I also mention the findin gs of my report and describe the recommendation to strike the limitation. I have taken only the reasonable care to ensure the accuracy and eccentric to force the report standard. And I believe that it has included every last(predicate) the necessary information to be relevant.INTRODUCTIOINORIGIN OF THE describeAs a mandatory part the BBA Program, all the students of the faculty ofBusiness Studies, Premier University, Chittagong have to put up with a three month foresighted research program with an objective of gaining practicable knowledge or so current business world. After this research program each and every students have to submit a research report mentioning their activities during the research program. Ive started my research at the National Bank Limited, Foreign Exchange Branch. At the end of the research program I am submitting my research report focusing on the contribution of Foreign Exchange operation to the overall performance of bank especially on profit majo r power perspective under the supervision of Tasnim Uddin Chowdhury, Lecturer, Department of Finance, in Premier University, Chittagong.OBJECTIVES OF THE STUDYThe general objective of the turn over is to gather practical knowledge regarding banking governing body and operation. The research gives us a chance to relate the quadruplet year long theoretical learning of BBA Program with the reserch experience. This consists the spare- clock activityTo cook an overall idea round the Foreign exchange Business of National Bank Limited. To apply theoretical knowledge in the practical field.To describe the organizational structure, management, background, functions and objectives of the bank and its contribution to the theme economy. To achieve overall understanding of National Bank Limited.To analyze the finance systems of the bank to find out any contributing field. To examine the profitability and productivity of the bank.To acquire knowledge about the everyday banking operation o f National Bank Limited.To evaluate the effect of world recession on foreign exchange income of NBL, Foreign Exchange Branch.To understand the real management mooring and try to recommend for improving existing problems.SCOPE OF THE STUDYThis study provides those scopes of knowing are the following History and performance of National Bank Limited.Terms apply in foreign exchange trading operationsForeign exchange operations of National Bank LimitedLiterature review.Total concept of Foreign Exchange Operation.METHODOLOGY OF THE STUDYThe report is prepared on the basic of foreign Exchange of National Bank Limited. To conduct the overall study, at firstly I explored the sources of Primary and Secondary information and data. divergent files of the department and statement prepared by FED alleviateed me to prepare this report. To present numerical data, I used the Annual Report of 2008 and monthly statement of January to October 2009 of National Bank Limited, Foreign Exchange Branch . For preparing this report I have used some graphical representation to find out different types of analytical and interpretation.SOURCES OF informationAs mentioned earlier, mainly primary and secondary data has been used. Sometimes the clients gave some important information regarding the services of the BankPRIMARY entropyOfficial records of National Bank Limited (NBL)..Expert opinion.SECONDARY DATAMonthly Statement of NBL.Annual Report of NBL.Official Files.Selected books.Other manual information.Websites.Various publications on the Bangladesh Bank. newspaper publisher reports in this concern.DATA ANALYSIS AND INTERPRETATIONBoth quantitative and qualitative abstract will be performed on the findings. The quantitative analysis will be done on the trend of export- import, egression rule of export-import, pre and post facilities provided for easing the export-import operations. Qualitative analyses will be based on the macroeconomic variables and foreign exchange policy provid ed by Bangladesh bank, the central bank of Bangladesh. Different statistical tools will be used for the analysis of the findings.LIMITATIONS OF THE STUDYTo provide current information and to make the report read-worthy, support from various sources is essential. In filthiness of having my wholehearted effort, I could not collect some information required at the time of the study. So this study is not free from the following limitation Due to unavailability of latest annual report (Annual report 2009), I have to prepare the report on the basis of annual report 2008. As a result, analysis, presentation of data may not show the existing position/present spring of National Bank Limited. For the whole research I had only 90 days, out of which I get 61 days because of late commencement of research program, which were totally insufficient. So I faced time shortage extremely. Lack of previous experience to prepare this type of report and it is totally new to me as an intern.Foreign exchan ge division follows Uniform Customs and Practice for Documentary Credits (UCPDC), but at heart this short distributor point, I was totally stunned to understand. Learning all the banking functions within just two months was unfeignedly difficult. Sometimes the officers of National Bank Limited were very busy. For this reason the personal did not co-operate me. National Bank Limited did not give me any kind of monetary support for this research program around of the working days in NBL, I have to work in cash department to help in IPO subscription collection, so I get limited time work in other departments to have practical knowledge Another limitation ofthis report is Banks policy of not disclosing some data and information for obvious reason, which could be very much helpful.BRIEF HITORY OF BANKING SECTOR OF BDphylogenesis OF THE WORD BANKThe formulate bank originated from Italian word Banca. Banca means long tool. In antique time Italian Jews merchant used to do business of lending money by sit down on the tools. It is assumed that the word bank derived from the word Banca. To meet the expense of war of 1171 one type credit certificate was launched in Italy at an interest rate of 5% it was called as Monte in Italian language and Bank in German language then German language was widely used in Italy. As a result the word Bank gradually changed to the word Banca from which the word Bank originated.THE EMERGENCE OF MODERN BANKINGThe linguistics and etymologists suggests an interesting story about banking origins. Both the old French word Banque and the Italian word Banca were used centuries ago to mean a bench or moneychangers table. This describes rather well what historians have observed concerning the first bankers, who lived more than 2000 years ago. They were money changers, situated usually at table or in a small shop in the commercial-grade-grade district, aiding travelers who came to town by exchanging foreign coins for local money or discoun ting commercial notes for a fee in order to issue merchants with working capital. The first bankers probably used their own capital to fund their activities, but it was not long before the idea of attracting deposit and securing temporary loans from wealthy customers became a source of bank funding.Loans were then made to merchants shippers and landowners at rates of interests low as 6 percent per annum to as exalted as 48 percent a month for the riskiest ventures. Most of the early bank was Greek in origin. The banking industry gradually spread outward from the classical civilizations of Greece and Rome into northern and western Europe. The early bank in Europe was places for safe keeping of valuable items (such as gold andsilver bullion) as people came to fear loss of their asset due to war, theft, or expropriation by government. When colonies were established in North and sulphur America, old world banking practice were transferred .DEVELOPMENT OF BANKING IN BANGLADESHSince e arly British rule, the history of banking in Bangladesh territorial dominion shows that the traditional trade-networks developed before the banks invaded rural areas. And the banking services have slowly flourished in Bangladesh territory. raze today, in many places, moneylenders provide credit services. Small shopkeepers and businessman use informal credit at gritty interest rate. Traditional mahjongs money lending business gradually declined due to working out of bank and the micro credit programs of NGOs, cooperative banks and government agencies.PUBLIC SECTOR BANKSDuring the liberation war in 1971, the economic, political, and social system including the banking system was severally damaged. At that time, all big and medium fiscal institutions pull out two small banks had their head office in the West Pakistan. The non-beagle owners and managers of the financial establishments that operated in East Pakistan had flea-bitten them. After independence in 1971, the new governme nt had to take over management and ownership of all such institutions. The banks Nationalization Order 1972 was issued to nationalize banks and financial institutions (except those incorporated abroad) in order to control chaos in the field of ownership, party bureaucracy, the intelligentsia, and pressure group. By several orders the government of Peoples Republic of Bangladesh created- Six nationalized commercial banks (NCBs)1. Sonali Bank2. Agrani Bank3. Janata Bank4. Rupali Bank5. Pubali Bank6. Uttra Bank bingle industrial bank (BSB)One agricultural bank (BKB)One industrial development financial institution (BSRS) The bank and financial institutions which originated during the Pakistan period and were merged, and renamed and functioning after independence of Bangladesh. In the year 1983, the government allowed tete-a-tete sector to participate in the banking business. The Publi Bank and the Uttara Bank were denationalized in 1985, due to non profitability. This action reduced t he number of NCBs to four. Such restructuring of public sector banks was in order to play their role in industry, agriculture, export, self employment and so onPRIVATE commercial BANKSTaking advantage of the liberalization policy of the government regarding participation of private sector in the banking business, a number of private banks were established in and after 1983. With the emergence of private banks in Bangladesh, a rivalrous situation in the sector has been created. Now there are 48 commercial banks in Bangladesh which are enlisted with Bangladesh Bank, among them four (4) are NCBs, five (5) are specialized banks, twenty nine (29) are private commercial banks and ten (10) are foreign commercial banks. The emergence of private banks has added a new dimension to the banking system in Bangladesh. The private commercial banks show a steady growth in terms of number of branches, deposit and advances.CORPORATE REVIEW OF NATIONAL BANKHistory of National Bank LimitedNational Ba nk Limited has its prosperous past, glorious present, prospective future and under processing projects and activities. Established as the first private sector Bank fully owned by Bangladeshi entrepreneurs, NBL has been flourishing as the largest private sector bank with the passage of time after facing many stress and strain. The element of the board of directors is creative businessman and international economist. For rendering all modernservices, NBL, as a financial institution automated all its branches with computer network in accordance with the competitive commercial demand of time. Moreover, considering its forth- coming future the infrastructure of the Bank has been much more to NBL. Keeping the propose in mind NBL has taken preparation branches by the wear 2000-2001. The emergence of National Bank Limited in the private sector is an important event in the banking area of Bangladesh. When the national was in the old bag of severe recession, Govt. took the farsighted decis ion to allow in the private sector to revive the economy of the rural area.several(prenominal) dynamic entrepreneurs came forward for establishing a bank with a motto to re alertize the economy of the country. National Bank Limited was born as the first hundred percent Bangladesh owned Bank in the private sector. From the very inception it is the firm determination of National Bank Limited to play a vital role in the national economy. We are determined to bring back the long forgotten audition of banking services and flavors. We want to serve each one promptly and with a sense of dedication and dignity. The chairwoman of the Peoples Republic of Bangladesh Justice Ahsanuddin Chowdhury inaugurated the bank formally on display 28, 1983 but the first branch at 48, Dilkusha Commercial Area, Dhaka started functioning on March 23, 1983. The 2nd Branch was open up on 11th May 1983 at Khatungonj, Chittagong. Today we have total 103 Branches all over Bangladesh. A representative office wa s established in Yangon, Myanmar in October, 1996 by our bank and obtained permission from the government of Bangladesh to turn border trade with Myanmar .opportunities is being explored for further business avenues there.Now NBL is on line to establish trade and communication with the prime international banking companies of the world. As a result NBL will be able to gird a strong root in international banking horizon .Bank has been drawing arrangement with well conversant(predicate) money transfer service agency Western union. It has full time arrangement for swift transfer of money all over the world. Banking is not only a profit oriented commercial institution but it has a public bas and social commitment admitting this true NBL is going on with its modify banking activities NBL introduced monthly Savings Scheme, special Deposit Scheme, and Consumers. Credit Scheme and savings Insurance scheme etc. To combine the people of lower and middle income group. A team of highly qua lified and experiment professed(prenominal) headed by the managing Director of thebank who has vast banking experience operates bank and at the top three is an efficacious Board of Directors for making policies.Vision of National Bank LimitedEstablishing as a top grade efficient bank through best application of modern information technology and business activities, pass high standard client services and Proper coordination of foreign trade business in the nub of their vision.Mission of national bank LimitedWith a view to achieving commercial objective of the bank, their sincere and all out efforts stay put unabated. Respected client and shareholders are attracted to us for our transparency, accountability, social communities, and high quality of clientele services.Objective of national Bank LimitedBring modern banking facilities to the doorsteps of general public through diversification of services, thereby arousing saving propensity among the people. Foreign a cordial, deep roo ted and farm banker customer family relationship by dispensing prompt and improved clientele services. Taking part in the development of the national economy through productive development of the banks resources as well as patronizing different social activities. Connecting clients to modern banking practices by the best application of improved information technology, so that they get encouraged to stick and feel proud of banking with NBL. Responding to the need of the time by participating in the syndicated large loan financing with like-minded banks of the country, thereby expanding the area of investment Elevating the image of the bank at home and abroad by sustained expansion of its activities.Strategies of National Bank LimitedTo manage and operate the bank in the most efficient manner to enhance financial performance and to control cost of fund. To strive for customer delight through quality control and delivery of timely services. To identify customer credit and other bank ing need and monitor their perception towards our performance in meeting those and update requirement. To review and update policies procedures and practices to enhance the ability to extend better services to customer. To train and develop all employs and provide them adequate resources so that customer needs can responsibility addressed. To promote organizational effectiveness by openly communicating order plans, policies, practices and procedures to all employers in a timely fashion To cultivate a working environment that fosters corroborative motivation for improved performance To diversify portfolio both in the retail and whole sale market. To plus direct contact with customer in order o cultivate a closer relationship Business GoalTo patronize, sponsor and encouraged games and sports, entertainment and other socio-economic activities alongside providing the best services to the client.The next thrustFull duplex on-line BankingIntroducing more innovative products and servi ces Opening new branches magnification of business network at home and abroad SMS BankingIntroduction of new liability / Asset products collective CultureEmployees of NBL share certain common values, which helps to create a NBL culture.The client comes firstSearch for professional person excellenceOpenness to new ideas new methods to encourage creativity Quick decision making tractability and prompt responseA sense of professional ethicsGrowth and Development of NBLThe NBL carries out all traditional functions, which a commercial bank performs such as mobilization of the deposit, investment of funds, financing export and import business, trade and commerce and industry. The banking sector in the country faced different problems thought the year. Even through the board and management never stopped its effort to maximize wealth, which is reflected by 143.97percent profit growth in 2007, highest ever in the last 15 years. The bank earned the 676.45 core revenue in 2007 as interest, inc ome from investment and commission exchange earning, which who Tk. 53069 corer in the provision year. As a result the total operating profit rode to Tk. 221.51 corer in 2007 from Tk.114.68 corer in the previous year.Branches of NBLNBL, which was started at Dilkusha Branch on March 23rd, 1983, was the first major commercial Bank. In Bangladesh operating throughout the country as well as the age of the bank is only 25 years .During this period it has established total 112 branches over the country and made smooth network inside the country as well as thought the world. The number of branches as well as territory wise is mentioned in the table.

Luxury Car Market in India Essay Example for Free

Luxury machine commercialize in India EssayThe Luxury goods effort is a very wide industry comprising of products from watches, jewellery, perfumes, expensive wines to yachts, expensive pens, and clothes. Goods for which demand increases more proportionally as compargond to income, argon known as Luxury goods, in contrast to a necessity goods, for which demand increases less proportionally to income. Some luxurious goods are bought referable to the tag implied of a status symbol, such goods tend to signify the purchasing power of those who buy them. These goods are not always better in quality or appearance than their less expensive substitutes.The main purpose of purchasing these goods is to display the wealth of their owners. The industry is said to be highly cyclical and the control force behind the growth of this industry is wealth worldwide, while the economic growth and conditions of several(a) regions impact this industry. Jewellery has been part of the Indian civ ilization since ancient history. They were in fashion since ancient civilizations as Harappa and Mohanjodaro. make out of almost any material, jewelry is basically adorned to highlight nearly any trunk part.Be it the traditional jewelry or the latest ones which are increasingly in demand, i. e. the costume fictitious jewelery. There is no dearth when it comes to accentuating the beauty with varied imaginative stunningly designed jewelry relics. This field of study has focused on sumptuousness product categories jewellery. The report provides an overview on the size of the food market, immensity of high demeanor goods, propose market, problems faced and the various drive factors as well as the latest trends. The major global luxury market players have been profiled. STATEMENT OF RESEARCH QUESTION?The Indian gems and jewellery heavens is also more often than not unorganized at present. There are more than 15,000 players across the country in the gold treat industry, of which only about 80 players have a turnover of over $4. 15 million. I motive to evaluate the problems faced by the jewellery empyrean and come up with measures to help make the sector more organized. ?The rise of the middle class population in India is estimated to be around 120-150 million. Keeping this in mind I want to potray the market electric potential of luxury goods in India. ?India as a Manufacturing Hub for global Luxury Brands.I want to study and evaluate methods adopted by major countries and conclude the mishap of India being the manufacturing hub for global luxury brands. THEORETICAL RATIONAL The advent of foreign luxury brands is in a way an indicator of the promising India growth story. Looking to reap early mover advantages, these brands have strike out up shop in our country. The Indian luxury market, currently in its growth stage need to address key concerns bid the lack of adequate retail infrastructure and limited availability of educate workforce for the mountain if it wishes to promote luxury retail in the country.The world today is looking at India, and the products coming out of it. Our skills pool speaks of the highest level of craftsmanship and creativity as it has evolved and been refined by many generations that carry on the trade. India is also well poised to be an outsourcing destination for foreign luxury brands. The perspicuous benefits that India has to offer such as low labour costs, superiority of fabrics and customization, gives it an advantage over other hole producing countries.To achieve the objective of promoting indigenous brands and positioning India as a future manufacturing hub for luxury goods, consolidation in the industry is imperative. The need of the hour is for the industry players to create a sophisticated occupancy model back up by financial and legal footings, and for the government to develop the requisite infrastructure. Indias luxury sector has gained signifi give the bouncet speed. It has the potential and re starts, to outshine other developing economies. Thus the route is chalked out and the objective is known.If the road can be cleared of challenges and impediments, luxury retailing in India forget have a smooth drive ahead. THE pass judgment IMPLICATIONS OF THE RESEARCH PROJECT FOR ORGANIZATIONS My re appear on luxury goods and jewellery is innovative because it brings together analysis of guinea pig discourses about Indian market with a study of the practices and choices of the Indian government and the luxury goods and jewellery sector. I believe this research can be helpful to the nation, development agencies, and indigenous organizations.I am particularly committed to sharing the results of my analysis with the Jewellers Association in India and hope that my work will not equitable be an extraction of truths, but will give them information with which they can help make the sector more organized. PRELIMINARY LITERATURE REVIEW Attempting to break into m arkets overseas is generally more challenging than onerous to expand into new domestic markets. sphericalization is the process of social, policy-making, economic, cultural and technological integration among countries around the world. (Hodgetts / Luthans / Doh, 2006pg.7). usher of growth is seen by increased levels of trade, capital flows and migrations a lot of changes in the environment have taken fructify. India is the worlds second most populous country it has traditionally had more than its share of political and economic problems. The per capita GDP remains low, but the recent environmental trends have boosted thus helping to tramp a large middle and upper- class market for goods in the luxury and jwellery industry. The industry is dominated by family jewellers, who constitute nearly 96% of the market.Organised players such as Tata with its Tanishq brand, have, however, been maturement steadily carving a 4% market share. As Indias jewellery market matures, it is pas s judgment to get more organize and the share of family jewellers is expected to decline. There are more than 6,000 players in domestic diamond processing industry. The reasonable gestation period for setting up a diamond cutting and polishing unit is 15 months. The low gestation period, coupled with low capital cost allows easy admission into the sector.This has led to the industry being largely characterised by a large number of small scale players. However, just as in the cutting of jewellery, the share of the organised sector has increased significantly in recent years imputable to an increase in demand for better and finer quality of finished goods. India Gems and Jewellery constancy elevatedlights Jewellery market size $13 billion Diamond jewellery $1. 2 billion specie jewellery market growth year on year 15% Diamond jewellery market growth 27% (By bharatbook. com Dated Jul 24, 2008).According to market reports, around 6- 7 million Indians can concede to buy luxu ry goods but hesitate to do so since they are unfamiliar with brands and products. With a growing millionaire base in India, the luxury market is growing annually at around 35% CAGR (The economical generation distinguished 10, 2008) If India keeps the last three years average growth at 9%, the income levels of consumers is expected to almost triple by 2025. By 2025, it is estimated that India will become the fifth largest consumer market, rising from 12th largest today. High disposable income and a largely young population will drive consumption patterns upwards.With a great youth populace below 25 years and having a 17% share of the world works population, India presents a huge market for brands across the spectrum. It is estimated that 52% of luxury customers are in the age support of 25-34years old. By 2033, the active age group 25-45 years is expected to be around one third base of the population. With the average age of potential luxury consumers decreasing, the country i s a goldmine waiting to be tapped. stipulation the core strengths of the manufacturing sector, India can well become a manufacturing hub for global luxury brands.Already brands like Louis Vuitton and Frette are looking at India as a manufacturing base for their products, but there are others who simply source their requirements from India. It is estimated that the manufacturing of luxury items in India can grow to US $500 million13. This manufacturing capability if harnessed properly can propel India as one of the leading destinations for manufacture. The cost advantages, particularly in labour intensive sectors like leather and accessories add to the advantage of the country. Luxury in IndiaTo be successful in India, it is both inevitable to gauge the financial potential as well as the brain of the Indian luxury consumer. This will help in bringing forth the right product offerings to the Indian consumer as well as targeting them better. Qualitative Insights 1. According to a st udy by American Ex compaction, Inside the Affluent Space, the mindset of the Indian consumer is a desire to prove that Ive Made It. This can be related to the luxury categorization which is based on the fact that luxury is seen as a reward, both for achievements in life as well as showcasing these achievements to others.2. The Luxury Marketing Council Worldwide has established a chapter in India, with the shoot for of promoting luxury in India. Their task will also be to build synergy between various luxury brands interested in India by way of sharing of consumer insights as well as trump out practices. 3. Even the Asian region is not uniform in its preference for luxury in term of need fulfilment. Therefore, it becomes important to delineate the needs of the Indian consumer from the other Asian regions to target them better.This agenda gains importance because many Indians look at acquiring luxury from places such as Hong Kong, Tokya, China etc. Eg. It is evoke to note that Sin gapore consumers are more of connoisseurs compared to Hong Kong consumers who want Talk-Value from their luxury goods. 4. Hindustan Times has been at the forefront of driving the luxury revolution in India by organizing two Indian Luxury Conferences in the last 4 years. To add to it, it also brings out a monthly supplement of luxury goods available in India, thereby creating awareness for the luxury brands. Quantitative Insights.1. As far as quantitative estimates are concerned, there will be 135,000 millionaires (in US dollar terms) in India by 2009. 2. The affluent market is set to grow at a rate of 13% in India, and by 2009, there will be approximately 1. 1 million affluents here. 3. The wealth potential of Indias affluents was to the tune of US$ 203 billion as of 2005. HYPOTHESES Keeping my literary productions analyse in mind my hypotheses would contain Aim The aim of this research is to study the different entry strategies and analyse which strategy is the most appropriate f or luxury goods and jewellery in India.Objectives Develop a case study on Indias luxury goods and jewellery industry and its progress to date and to seek secondary information that relates to entry strategies in the luxury goods and jewellery business. Study the luxury goods and jewellery industry environment and Indias modifications. entropy SOURCES AND THE JUSTIFICATION FOR THE CHOICE Secondary Data Source The secondary info source would be docudrama data books, electronic media, and articles published in journals and newspapers which would help to answer the research question. Primary Data Source.To confirm the finding of the research, interviews will be taken from the raft who are in the jewelry and luxury goods industry. articulated lorry structured interviews will help in putting across our research question and also earreach on the topic area which interest the interviewee. Questionnaires data under this would help me to evaluate the general perceptions. take Size of uncomplicated Data Large qualitative methodology will be adopted for primary data collection. A survey conducted by e-mail questionnaire. A sample size of a fewer questions will be analyzed and interpreted with an approval from the supervisor.Method of Data Collection The literature search will aim to be comprehensive, but restricted access to primary literature. The collection of primary data will be based on a survey the number would be restricted due to the restrictions of time to complete the project and resources to support it. I intend to collect data from luxury goods and jewellry industrialists who embroil manufacturers, exporters, traders, agents, lecturers, and students through questionnaire. Surveys and questionnaires will be administered on paper, in different formats. All may take place in person, or by mail, over the phone or via Internet/ Email.Data Analysis both qualitative and quantitative techniques will be used in this research. The data obtained from the questi onnaire will be analysed victimisation quantitative technique. An interview and data which is collect from secondary source will be analysed qualitatively.. Interview data will be transcribed and then analysed qualitatively. Here, qualitative research would be used explore and sympathise peoples beliefs, experiences and attitudes. And quantitative research would be all the numerical data which would be from the surveys and questionnaires. RESEARCH DESIGN talk Time Plan.MonthActivity December 3rd/ fourth weekStart thinking about the research ideas and data collection January1st/ second weekLiterature searching and define objectives. January 3rd/4th weekLiterature searching/ writing. Submission of proposal Febuary1st/2nd weekDrafting of literature review/ working on Research Methodology/Conduction Interviews/ Meeting the tutor and taking a feedback February3rd/4th weekChecking literature review/ Analysis of the data collected and linking theories to the case study. July 1st/2nd wee kMeeting tutor and see to it for final revision. July 4th weekSubmission of final draft.METHODOLOGY TO BE EMPLOYED The research for this dissertation would be make using multi-methods this is because different methods can be used for different purposes in this study. The research would have an inductive approach as I would collect data from companies and bring out responses to the research questions. The time survey would be cross- sectional because this study is of particular trend, and not longitudinal analysis as they are make on observations over a period of time. The data collected would be by multi-methods i. e. qualitative and quantitative.These methods would be used to study the changes in environments. There would be secondary data to analyze the changes within the setting of the organization. Details of any ethical considerations and steps taken to meet potential ethical concerns. Luxury goods should not be confused with the moral legitimation of their consumption. Es pecially if you are yourself a merchant who profits from the trade in luxury goods. Spending money on luxury goods, does good to the poor by incentive them to exert the industry, rather than keeping them idle. Hence creating employment for the poor.This kind of justification takes the issue of motivation for granted, that is, it assumes that people desire to consume luxury goods with a good conscience, thus keeping money in circulation. The future(a) steps can be taken to meet potential ethical concerns Raising awareness of the decree with subsidiarys. Evaluation of the ethical monitoring programme. Further monitoring of additional high risk suppliers from whom the company sources goods find the use of banned substances/chemicals and provide an alert service to the retailers. References Books Charles W. L. Hill (2003), international Business Financial Times Management (1999), Mastering Global Business. George S. Yip (1992), Total Global Strategy. Gill, J. and Johnson, P. (19 97) Research Methods for Managers (2nd edition), London, Paul Chapman. Harold chee, Rod Harris (1998), Global Market Strategy. Helen Deresky (2006), external Management, 5th edition Managing across borders and cultures. Hodgetts, Luthars, Doh (2006), International Mangement culture, strategy and behaviour(6th edition), America, Mc-Graw-Hill/Irwin. Isobel Doole, Robin Lowe (2004), International Marketing Strategy analysis development and implementation.GEMSTONES By Ronald F. Balazik Fortune Magazine, 2007 Mintel International gathering, 2006 Websites AmCham Shangai, http//www. amchamshanghai. org/AmchamPortal/MCMS/Presentation/Publication/Insig ht/InsightDetail. aspx? Guid=%7BFCCD3DCF-18BB-4705-9C8D-C677B764ACE1%7D The Economist, August 2007 http//www. economist. com/business/displaystory. cfm? story_id=9005244 Seeking Alpha http//seekingalpha. com/article/15478-growth-in-chinas-luxury-goods-market-to-be-fueled-by-2nd-tier-cities http//www. just-style. com/store/product. aspx?ID=5 3193 http//www. robbreport.com/News/Press-Releases/Robb-Report-Launches-Robb-Report-Global. asp The Economist, August 2007 http//www. economist. com/business/displaystory. cfm? story_id=9005244 International Herald Tribune, 2005 http//www. iht. com/articles/2005/12/04/opinion/rbuy. php Forbes, 2005 http//www. forbes. com/2005/06/22/luxury-wealth-trends-cx_sr_0622luxury. hypertext mark-up language Wikipedia http//en. wikipedia. org/wiki/Luxury_good Harvard Business School, http//hbswk. hbs. edu/item/4321. html Miami Herald 2007, http//www. miamiherald. com/business/story/271242. html Boston Consulting Group, http//retailindustry.about. com/od/seg_luxury/a/bl_bcg071304_2.htm International Herald Tribune, 2007 http//www. iht. com/articles/2007/01/15/bloomberg/sxlux. php Alf Nucifora, http//www. nucifora. com HNWIs Behaviors and Portfolios Globalize, 2006, Merrill Lynch-Capgemini Harvard Business School, http//hbswk. hbs. edu/item/4321. html The Economist, August 2007 http//www. econom ist. com/business/displaystory. cfm? story_id=9005244 .The Economist, August 2007 http//www. economist. com/business/displaystory. cfm? story_id=9005244 Cosmetics Design Europe, 2006 http//www. cosmeticsdesign-europe.com/news/ng. asp? id=65405-luxury-goods-experiences Boston Consulting Group http//retailindustry. about. com/od/seg_luxury/a/bl_bcg071304_2. htm WWD.The Magazine, The Luxury Institute http//www. luxuryinstitute. com/about/news. html Forbes, 2005 http//www. forbes. com/2005/06/22/luxury-wealth-trends-cx_sr_0622luxury. html Wikipedia, http//en. wikipedia. org/wiki/Concierge_medicine Forbes, 2005 http//www. forbes. com/2005/06/22/luxury-wealth-trends-cx_sr_0622luxury. html WWD The Magazine, The Luxury Institute http//www. luxuryinstitute. com/about/news. html The Economist, August 2007.http//www. economist. com/business/displaystory. cfm? story_id=9005244 US Chamber of Commerce, January 24, 2007 http//www. asiapacificms. com/articles/korea_counterfeits/ http//www. iltm. n et/en-gb/press/pressreleases680. cfm nation master. com Articles Luxury goods market in India keep its cool 10 Aug 2008, The Kirk Report Problems With Luxury Goods -TUESDAY, OCTOBER 23,2007 Market for luxury goods THE CASE OF THE COMIT? COLBERT By Giacalone, Joseph A Publication Southern Business Review Date befall 2006 2006 Why The Luxury Market Continues To Roar by Alf Nucifora.

Two Kinds Essay Example for Free

ii Kinds EssayShe is a breed who got a second chance at having a family and is very controlling thinking she is doing what is best or her electric razor. The narrator which is the young woman she starts off as a normal child in the story, but the conflict between her and her bewilder causes her to be resentful and a underachiever. There is the father who does not say anything in the story but envisionms to agree with the suffer. There is the aunt Lindo that is really her sires friend who seems to brag about her child Waverly a character in the story who seems quite spoiled. And the indulgent teacher Mr. Chong who the fille likes to refer to as Old Chong. He is a deaf piano teacher that has no idea that the young lady is not playing the right wing tunes. The mother who is very tight on her missy, she did not think she was pushing the daughter to far. The mother felt the daughter was not laborious wakeless enough, which she delegateed she was very disappointed. T he mother went as far as insulting the daughter and blaming her or the focusing she looked. In the beginning of the story the was very excited to become a prognostic.She tried real disenfranchised to get it right and please her parents. The daughter tried real hard to find out what she was perfect tense at. That was until the daughter no longer felt like she would ever be perfect. She pass so frequently time believing that she was perfect and wanting to please her parents every time she could not do something right she knew how more her mother would be disappointed and she also disappointed herself-importance as well. The daughters whole livelihood revolve around her being a perfect niggling girl. The mother adept new that there was something her daughter could master.The puny girl started to doubt herself, but the mother tried everything she heard or seen these bittie prodigy kids in America do. The Mother started to get angry because she felt her daughter was not tryin g hard enough. The little girl started to believe that she was sound an ordinary little girl, but knew that was not however-able to her mother. Her mother spent years comparing her daughter to these other children. She was trying to find her daughters hidden talent. The mother felt her daughter could do anything she put her mind to.I think the mother felt her daughter had chances that she never had in China and did not want her to ruin her opportunity. The daughter did not understand this she just wanted to be a normal little girl and have fun. The little girl was over trying to be perfect, but the mother was not ready to give up. The mother kept on trying to show her daughter how these other kids can do these things, and that she should be able to do them as well. The mother showed her mortification time and time again, not knowing that she was making her daughter feel self-conscious and resentful towards her.The daughter new she was never going to be perfect, and being herself would never be good enough for her mother. The little girl started to feel anger towards her parents and wanted to rebel against them. The little girl feeling so much anger with her mother would purposely fail everything her mother wanted her to do. The little girl was hoping if she disappointed her mother enough she would give up on her the way the little girl gave up on herself. The mother refusing to give up felt she new her daughter would be great at something if her daughter would just put her mind to it she could do anything.So the mother just pushed harder not knowing she was pushing her daughter away from her and away from her dreams or her. The mother was so determined plain know they could not open lessons the mother made arrangements to trade work for piano lessons. I think the mother felt that at this point the daughter would see how hard she was willing to work for her and whitethornbe appreciate it and work harder. The little girl felt differently she was angry towar ds her mother and felt as if her mother did not except her for who she was and she wanted to get back at her.The daughter practiced every day with Mr. Chong not even trying her mind wondering in other places. Mr. Chong was a deaf man who could only see her hand movements, so that is how he taught her. The girl caught on fast that Mr. Chong eyes could not keep up with her hands so she used it to her advantage not to learn. Mr. Chong so proud thinking she was listening to him he was very excited because she learned how to fake him out. The mother bragged about her daughter playing the piano commonplace to her friend, although the mother never herd her play until the recital.The mother wanted so bad to see her child in front of the room making her proud like all of the other mothers before her, but when the little girl went up on stage the mother didnt know that she had been just wasting her time. The little girl even had her self fooled she for a second melodic theme maybe she could play, well maybe if Mr. Chong imagination she could play maybe it was true. As she played she seen the embarrassment on her parents face the only one who seemed to have sex her performance was Mr. Chong. The parents wanted to run out of the room, but know their pride could never allow them to do that they stayed until the end.The little girl wanted to show her mother that she was not what she wanted her to be, but was shocked and just wish her mother would say something. When they returned home the daughter taught the mother would give up on her she thought she knew for sure that her daughter had no talent. The little girl sat down to watch TV which angry the mother. The mother did not give up she wanted her to practice. The daughter seen how angry the mother was and was scared, so the daughter not giving up the fight hit the mother where it hurt the most. The little girl told her mother she wishes she were not alive knowing how bad that ould hurt her. The little girl won the ba ttle against her mother the mother gave up all hope. I think the mother felt a piece of her self die that day knowing her daughter would hurt her so bad. I think the mother knew she was loosing the daughter. I think there was a lot of misscommunication between the mother and the daughter which is very realistic in real life. It makes you wounder how Amy Tan got where she is today. The mother wanted to start over and give her child the perfect life and the daughter just thought her mother just wanted her to be a perfect child.In the end it was very ironic because they both lost the battle against each other. They did not have a good relationship because they couldnt make scene of their differences. The mother pushed her child away from her and any talent she may have had. The child chose to not even finish college. I think the child forgave her mother when it was to later(a) and the mother never found the words to say to her daughter until the end the stubborn lady compose went bac k to the piano,and the child finally learned how to respect and listen to what her mother had to tell her about her talent. Two Kinds (Tan 1952, p. 524)