Cherokee Removal Essay Example for Free

Cherokee Removal Essay In the early nineteenth century, an infant America was increasing in population and expanding in the South until settlers were faced with the dilemma of the Native Americans. Anglo-Americans had two very distinct stances on how to deal with southern Indian tribes, particularly the Cherokee. One side was eager for land and developed the idea that Indians were both racially and culturally inferior and a hindrance to American progress, while on the other hand, some Americans believed that the Cherokee tribe was a sovereign, independent nation and that moral responsibility required the United States to protect them. Pro-removal Americans rallied behind leaders such as, Andrew Jackson and William Cass. Jacksons patronizing attitude toward Native Americans was, based on his ideology that Native Americans were children in need of guidance. Jackson also advocated that the removal policy was beneficial to the Indians. Cass believed the Native Americans were unsophisticated and white settlers were racially superior. In his essay, Removal of the Indians, Cass depicts, â€Å"We doubt there is, upon the face of the globe, a more wretched race than the Cherokees, as well as the other southern tribes, present†¦. The Cherokee Removal, pg. 117). † Cass alluded to the underlying racism that piloted the argument for expulsion of the Cherokee. Many white settlers concurred with the belief that Indians were racial inferior and therefore white settlers and Native Americans could not live together. Cass also asserted in the same essay â€Å"A barbarous people, depending for subsistence upon the sanctity and precarious supplies furnished by the chase, cannot live in contact with a civilized community (The Cherokee Removal, pg. 116). Some Americans supported this because they deemed anything different than them as wrong. The pro-removal argument was justified thru the belief that race determined character. For some Anglo-Americans race made Native Americans menial and disposable. Americans against removal united behind the idea that the Native Americans were born on this land and should be left in peace. Jeremiah Evarts under the pen name, William Penn, in A Brief View of the Present Relations between the Government and People of the United States and the Indians within Our  National Limits, said, â€Å"Those Indian tribes and nations, which have remained under their own form of government, upon their own soil, and have never submitted themselves to the government of the whites, have a perfect right to retain their original form of government, or to alter it, according to their own views of convenience and property(The Cherokee Removal, pg. 106). †Evarts’ opposition to removal was based on the fact the Indians were born on the land and therefore it was rightfully theirs. He also pointed out, â€Å"For one hundred and fifty years, innumerable treaties were made between the English colonists and the Indians, upon the basis of the Indians being independent nations, and having a perfect right to their country and their form of government (The Cherokee Removal, pg. 106). † Evarts’ argument was that white settlers legally could not disregard treaties made with Native Americans for hundreds of years. Some Anglo-Americans knew removal of the Cherokee was unconstitutional and to renege on agreements made throughout history was morally incompetent. Catherine Beecher also advocated against Indian removal, writing, â€Å"Nor are we to think of these people only as naked and wandering savages. The various grades of intellect and refinement exist among them as among as (The Cherokee Removal, pg. 112). † Beecher and other Americans opposed removal because they did not believe it was morally righteous to degrade Indians because of race, they considered them people too, and respected the differences in both race and culture. Evarts and Anglo-Americans against removal foresaw the inhumanity of removal, Evarts stated, â€Å"The removal of any nation of Indians from their country by force would be an instance of gross and cruel oppression. (The Cherokee Removal, pg. 107). † Both perspectives on Indian removal had a few commonalities. Some people such as John Knox believed that, â€Å"the central premise of which was that United States Indian policy should make expansion possible without detriment to the Indians (The Cherokee Removal pg. 10). The only consistent agreement however was that the white settlers’ culture and Native American cultures would never successfully co-inhabit. Americans realized that the differences in culture would only continue to cause problems. However the differences was some believed the Indians should be forced west and others believed they should be left in peace. There was an agreement that the Cherokee were uncivilized and to some, even worse not Christian. Again there was another divide on the solution for the primitivism of the Cherokee. Some sought assimilation and of course, removal. In my final analysis, the Cherokee removal argument never reached a consensus, and like most political matters, was won by the most power hungry side. Due to a burgeoning population, racial bigotry, and the lack of centralized government enforcement of the 18th century the Cherokee were forced to leave their homes. The consequence was a forced tumultuous, cross-country walk, where they faced disease, hunger, and fatigue now known as the Trail of Tears. Thousands died, and the removal of the Cherokee had permanent affects on them, as well as all Native Americans.

Comparison of Available Psoriasis Treatments

Comparison of Available Psoriasis Treatments Although there is no available cure for psoriasis at present, there are different approaches to treat psoriasis and all you need to do is choose the best method.What works for your friend might not work for you.The severity of the condition, health and fitness of the sufferer, age, and other factors affect the extent of the needed treatment. Doctors often try several methods with utmost care in order to find the best one for a particular patient. Here are some of the options you have available for Psoriasis treatment 1. Natural treatments Lifestyle Change Once you have had psoriasis expect it to occur again. If you have an unhealthy lifestyle (drinking, smoking, staying up late, and the likes) making changes that are healthier is important.You know that stress, that includes lack of proper sleep, too much alcohol, and smoking can contribute to make your psoriasis worse or make it flare up again. If you are following a treatment now but keep on doing things that trigger psoriasis, don’t be surprised if your psoriasis evolves into a more dangerous form.Wear comfortable clothing that allows your skin to breathe.Try light fabrics like cotton because it is soft against your skin and will not irritate your psoriasis. Cotton also allows moisture in. Dietary recommendations that help control Psoriasis As you monitor your food, cut down on red meats or completely eliminate them from your diet if you can. Processed foods must go because they are packed with more chemicals than actual nutrients.You should also stay away from fatty foods.Passing up vegetables such as eggplant, tomatoes, potatoes, and peppers may aid in controlling psoriasis related inflammation.Make sure to eliminate these vegetables from your diet and don’t give in to the temptation, even if the eggplant lasagna looks succulent. Try eating foods that cleanse your liver and kidneys such as celery, fish, lettuce, turkey, fiber-rich fares, and lemons.The National Psoriasis Foundation includes soy, chocolate, nuts, and cranberries in their list of foods that prevent psoriasis outbreaks, or at least keep those outbreaks at a minimum.Drinking plenty of water can flush out toxins from your body, keep it well hydrated, and make you feel fresh all day. Although there are many power drinks that claim to keep you energized and well hydrated, nothing beats pure, plain water. Nutritional Supplements you should take daily You need to consider taking the necessary nutritional supplements along with a well-balanced diet.You can include vitamins A, D, and E in your daily diet. You can choose to include fish oil, primrose oil, or milk thistle in your diet. Taking selenium, lecithin, and folic acid can also help prevent psoriasis. 2. Direct Skin Treatments There are natural remedies that you can try if you have psoriasis. These remedies might not completely make your psoriasis go away but they can help lessen the irritation and discomfort that psoriasis causes.Prepare a bath of lukewarm (not hot) water.Add mineral oil, Epsom salt, milk, German chamomile, or olive oil (choose only one).Any of these choices can soothe itching and can penetrate the plaques and scales. Apply a doctor recommended moisturizer when you finish your bath for double benefits. Apply vegetable oil or olive oil on your skin that has psoriasis plaque to help loosen them. The oil provides the needed moisture to the skin. If you have psoriasis on your scalp, try massaging it with a few tablespoons of olive oil to loosen the plaque before you take your shower. Stick with these suggested oils and don’t do any experimenting using different oils because those might make the condition worse.These natural treatments compliment other treatments. Just make sure you ask your doctor first before proceeding. 3. Over the counter and Systematic Treatments Doctors often choose topical or Over-The-Counter (OTC) treatments for psoriasis. If your skin does not respond to the current treatment, another topical treatment can be selected.Topical treatments bought over-the-counter can be applied directly on the affected area of the skin. Topical treatments usually include lotions, creams, gels, and ointments.Topical treatments are always the first option for most doctors for treating mild to moderate cases of psoriasis. Topical or OTC treatments include: Dandruff shampoos. Vitamin D analogues Cortisone in ointment or cream form. Retinoids that can be applied on the skin. Coal tar. Lactic and salicylic acids. Anthralin. It is important to consult with your doctor first to select the right topical treatment for your psoriasis. Opting for a Systematic Treatment If you have a more severe form of psoriasis, or if a topical treatment is not helping, doctors usually turn to oral or injectable drugs.If your psoriasis is due to infection, taking antibiotics for the infection might also stop, or alleviate, your psoriasis. The medicines used for systematic treatments include: Retinoids. Immunomodulator drugs. Methotrexate. Thioguanine. Cyclosporine. Hyrdroxyurea. Keep in mind that you should always seek your doctor’s advice even if you have had psoriasis before. There is the possibility that your new psoriasis outbreak (if you failed to prevent psoriasis from re-occurring) may be different from your previous one. It is always best to be safe, meaning check in with your doctor to be sure the current outbreak can be treated as before. Don’t re-start a medication from a prior outbreak without first checking with your doctor. 4. Light Treatments Some psoriasis sufferers prefer light treatments over other methods simply because they are non-pharmaceutical and famous for being effective.As always, it is best to take the recommendation of your doctor to minimize any problems. Sunlight There are reports that some psoriasis sufferers achieve favorable results via sun exposure, but take note that too much sun exposure can do more harm than good. It is still best to consult with your doctor regarding the matter. Your doctor can give the correct time of day to get a beneficial amount of sunlight and tell you how long you can stay in the sun.Be sure to follow your doctor’s instructions to the letter. Via UVB Phototherapy Phototherapy is a perfect option for most individuals with moderate to severe inverse psoriasis, although other forms of psoriasis can also benefit from this treatment.UVB rays can slow the growth of skin cells for some psoriasis sufferers.Treatment involves a light box that creates faux UVB rays that are used within a specified amount of time for each session. There is a catch when using phototherapy. Your psoriasis might get worse temporarily before you experience the good part. Tell your doctor immediately if you have developed rashes after the treatment. Don’t even think of doing it on your own by using a tanning bed because there could be other adverse complications. The Goekerman Therapy This therapy combines UVB treatment with coal tar.The combination is more effective than doing either separately. Coal tar can make the skin more accessible to UVB light. This is ideal for use with mild to moderate psoriasis. Pulsed Dye Laser If other treatments fail to deliver positive results, your doctor may suggest trying a pulsed dye laser. This treatment tears down the tiny blood vessels in the areas that surround the plaque to cut off the flow of blood, reducing cell growth in the affected area. The only trouble with laser therapy is that it cannot cover large areas and may only be useful in areas that are smaller in size. Conclusion Your doctor help you find the right treatment after making a proper evaluation of your condition. It is best to take any advanced treatment under the supervision of your doctor.You are more likely to achieve favorable results.Now you know the things you need to do, and you know the options to consider for treating your psoriasis. It is time to act and you need to act to eliminate psoriasis from your life.

Impact of Marketing Collateral in Banks

Impact of Marketing Collateral in Banks INTRODUCTION About HDFC Bank: HDFC Bank was incorporated in August 1994, and, currently has a nationwide network of 2000 Branches and 5,471 ATMs in 996 Indian towns and cities. Differentiate to lead: Trust is a bankers greatest currency and a great banking and financial services brand can be built only on a strong foundation of trust. That pretty much has been HDFC banks story as it emerged from the image of a state owned housing finance corporation to a slick new age universal bank. Incorporated in 1994, the banks contribution to the bustle of post liberalization has been incredible. The banks service offerings include a spectrum of innovative products in retail banking, wholesale banking, the capital markets and many more areas growing consistently at 25-30 percent for over a decade. This has been driven by HDFC banks decision to adopt technology as its backbone. Not only did the technological revolution cut down costs but most significantly it enhanced the customer experience. The experience fostered trust and confidence among customers and the virtuous feedback loop catapulted HDFC bank into the league of elite private sector banks in the country. HDFC banks biggest differentiator from others is its robust set of policies that they worked on backed by quality service. Clear de-risking policies in a high risk Indian market have paid rich dividends to a brand run with great vision and strategy. When others concentrated on numbers, HDFC bank concentrated on quality. That made them an extremely respected bank to deal with. Power Creation: With the vision of being one-stop financial superstore in mind, the bank operates in three segments: Personal Banking, Wholesale Banking, and NRI Services. The Personal Banking segments provides various deposit products, exclusive banking for high net-worth individuals including Wealth Advisory, Private banking and Personal loans such as auto, personal, home, gold, business loans and more. This segment also is the distribution point for third party financial products, such as Mutual Funds and Insurance. In the space of Personal Banking, HDFC banks credit Cards are also enormously trusted. Here as well some well-crafted strategies of the past have yielded brilliant results for the bank. One of the key success factors for HDFC bank is clear de-risked business strategies that not only ensure the right revenue inflow but a loyal customer base. The Wholesale Banking segment provides loan and transaction services to large corporate organizations, emerging corporate organizations, small and medium enterprises and institutional customers. It also offers deposit and transaction banking products, working capital and term finance, foreign exchange products and the like. Other services include trade services, cash management, money market, custodial, tax collection and electronic banking. In addition, it provides correspondent bank services to co-operative banks, private banks, foreign banks and regional rural banks and investment services for non-resident Indians. Communication Strategy: The positioning strategy in recent years has been to position the bank as a one-stop financial supermarket. The objective of the communication has not just been acquisition of new customers, but also creating product awareness, enhancing usage and providing value-adds to customers. The campaigns from HDFC bank have always focused on that and their tagline ‘We Understand Your World only carries the legacy forward. Advertisement campaigns are aimed at highlighting how a product fulfils an identified customer need. The communication showcases the customer benefit first showcasing the banks commitment towards excellence in customer service facilitated through various means, especially technology. The bank also compliments its visual media presence with below the line activities including innovative programmes such as the Merits Scholarship plan which received high acclamation. Magical factors: As a brand, HDFC bank remains committed to India and enhancing the financial service space for everyone in the country. HDFC bank plans to bring financial viability in the next five years to 10 million families at the bottom of the pyramid through supporting microfinance programmes which can be driven by the bank through self help groups rather than just relying on microfinance institutions. The relentless pursuit of efficiency through technology also makes the bank a customer favourite. Their latest innovation is the ‘My Favourite features at ATMs which help customers reduce the time they spend at the ATM. The feature enables the consumer to customize his most often used withdrawal amount thereby speeding up the process by about 40%. It is the focus on little things also that has made HDFC bank such a customer centric bank and is the heart and soul of the brand. Brand Ethos: HDFC bank has always been about making customers comfortable thereby earning their trust. Whether it is through offering transparent products with no hidden fine print or through technological enhancements, HDFC bank has always paid attention to understand customer needs, reinforcing the trust it holds among customers. Its current tagline â€Å"We Understand Your World† is only apt in the sense that if theres one word youd like to associate with HDFC bank it has to be ‘understanding. What is a Brand? The word brand is derived from the Old Norse â€Å"brandr† meaning to burn. It refers to the practice of producers burning their mark (or brand) onto their products. When the technique of branding first started, it was meant to make identifying and differentiating a product easier. Over time, brands came to embrace a performance or benefit promise, for the product, certainly, but eventually also for the company behind the brand. Today, brand plays a much bigger role. Brands have been co-opted as powerful symbols in larger debates about economics, social issues, and politics. The power of brands to communicate a complex message quickly, with emotional impact and the ability of brands to attract media attention makes them an ideal tool in the hands of activists. Brand is the personality that identifies a product, service or company (name, term, sign, symbol, or design, or combination of them) and relates to key constituencies i.e. customers, staff, partners, investors etc. Brand identity and image Brand identity is the outward expression of a brand, including its name, trademark, communications and visual appearance. Because the identity is assembled by the brand owner, it reflects how the owner wants the consumer to perceive the brand and by extension the branded company, organization, product or service. This is in contrast to the brand image, which is a customers mental picture of a brand. The brand owner will seek to bridge the gap between the brand image and the brand identity Brand awareness Brand awareness refers to customers ability to recall and recognize the brand under different conditions and link to the brand name, logo and jingles etc., to certain associations in memory. It helps the customers to understand to which product or service category the particular brand belongs and what products and services are sold under the brand name. It also ensures that customers know which of their needs are satisfied by the brand through its products. Brand awareness is of critical importance since customers will not consider your brand if they are not aware of it. Brand Tracking The role of brand tracking methodologies is to monitor the health and the value of your brands. These are the business equivalent of taking your temperature or reading your pulse they can tell you quite reliably (within statistically-dictated tolerances) whether you are ill or well, and even how ill or how well. They can also point to certain symptoms. However, if you want to know how to get better, you may have to go to see a doctor (or, in this case, a consultant/marketing research agency using sophisticated diagnostic and prognostic techniques) Effective brand management relies on getting timely and accurate information from the target audiences. Brand tracking involves designing a program of measurement that is completed on a regular schedule to allow for trend analysis and comparison. Some of the key metrics that are involved in tracking a brand include: Brand awareness and familiarity Brand perceptions Brand positioning Delivery on brand promise Perceptions of competitive brands What are marketing collaterals? Marketing collaterals consists of printed materials that describe a business and its products and services. Marketing collateral includes brochures, posters, banners, standees and other printed materials produced by or for an organization. Types of the marketing collaterals used in HDFC bank are displayed as follows: MARKETING COLLATERALS WINDOW GLAZINGTENT CARDS LCD TVSTANDEE BANNERLEAFLETS POSTERNOTICE BOARD DESCRIPTION OF THE PROJECT Impact of marketing collaterals in branches: Every bank has several branches spread wide all over. As we enter a branch we witness many informative items such as banners, posters, standees, leaflets, window glazing, etc. These are known as marketing collaterals. These collaterals are put up with the intention of being read and used by every individual, customer or non-customer, whosoever enters the branch for whatever purpose. They carry information regarding new offers, schemes, rates, changes in banking operations, RBI implications, list of services provided, etc. These are meant to grab customer attention and to probe them into enquiring about the information displayed. It not only helps in improving sales opportunities but also helps in spreading information about the bank and its services. By observing and studying how effective these collaterals actually are, we could do a cost-benefit analysis and also provide recommendations on improving the effectiveness and usefulness of these collaterals by making desired modifications. The project involves observing visitors and also using questionnaires to identify the effective usage of marketing collaterals in the branches of HDFC bank spread over Mumbai city. Brand tracking of HDFC bank in semi-urban regions of India: A brand is defined as a name, term, sign, symbol or design or a combination of them, intended to identify the goods or services of one seller or a group of sellers and to differentiate them from those of competitors. It is very difficult to understand the perception that people have about a particular brand. The role of brand tracking is to monitor the health and the value of a particular brand. It can tell you quite reliably how are the brand performing and what is the image of the brand, as perceived by the people. Brand tracking can point out the reasons why a brand is not performing well and can also recommend suggestions on improving the brand image. In this project, I will be using questionnaires to interview already existing customers as well as non-customers in semi-urban areas of selected cities of India about how they feel about HDFC bank and its services. Interviews would be done face-to-face or door-to-door. Analysis will be made from the data obtained and the current brand image in the minds of people can be formed. Accordingly, suggestions can be provided on how the brand image can be improvised. OBJECTIVES OF THE PROJECT Impact of marketing collaterals in branches: HDFC bank has 1780 branches and 5231 ATMs in 833 Indian towns and cities. Every branch has several marketing collaterals placed with the intention of spreading awareness about the bank and for improving sales. HDFC bank incurs expenses to put up these marketing collaterals. If the collaterals do not help the bank up to the desired extent at which the bank requires then it is considered that the bank is making losses on these marketing collaterals. The core objective of this project is to study the usefulness of marketing collaterals and to identify the obstacles that are faced by the customer/visitor in utilizing these collaterals. Thus, changes can be suggested in order to improve the utility of these marketing collaterals. Brand tracking of HDFC bank in semi-urban regions of India: A brand plays a very vital role in the sales of any company. The image that people have about a certain brand influences them to make decision regarding whether to use a certain product or service of that particular brand. Thus, in order to improve sales, it is very important to improve the brands image in the minds of people. Brand tracking is a methodology which helps in tracking and identifying the brands image i.e. what people perceive about the particular company. Identifying the brands image is very helpful in placing marketing strategies. The objective of this project is to track the image of HDFC bank in the minds of its customers as well as non-customers in semi-urban markets of India and identifying the banks brand position as compared to its competitors. BENEFITS TO THE ORGANIZATION With the help of this survey, HDFC Bank can identify how much impact its each marketing collaterals has on the customers and which are the collaterals which are not helpful or fail to induce enquiries from the customers. Also the reason behind the collaterals not being attractive are found out and accordingly modifications are suggested. Thus, the effectiveness of the marketing collaterals at various branches of Mumbai city can be increased. The brand tracking survey would help HDFC Bank to identify what people in semi-urban regions perceive about it. Also it can know where it stands as compared to its competitors and what people understand about HDFC Banks local taglines. The brand awareness, visibility, likability and its recall value is calculated. Future marketing strategies can be designed using this information. Apart from these core objectives, HDFC Bank can also use the database collected by the survey for generating leads and other such purposes. LIMITATIONS OF THE STUDY As the method of communication used for the survey is face-to-face or door-to-door, the limitations include limited geographical flexibility, high cost and difficulty in call back or follow-up. The entire surveys, research, analysis and decisions are based on the primary data collected by interviewing people from different cities. So the project is highly reliable on the perceptions, thoughts and ideas of people, which are ever changing. Also measuring the cognitive, affective and behavioural components of an attitude is a limitation. The project on brand tracking is limited to the semi-urban regions of India and does not include the urban cities. RESEARCH PROCESS ADOPTED Both the projects that have been selected are research based projects. To study the impact of marketing collaterals in the branches of HDFC bank in Mumbai city as well as for tracking the image of HDFC bank in semi-urban regions, a research had to be made which followed a process that is divided in 7 steps which are as follows: The entire research process has been designed keeping these 7 steps in mind. Accordingly, a schedule was formed and the stipulated time frame was decided to complete the tasks of the schedule. This helped complete the projects in a smooth and systematically planned manner. THE SCHEDULE OF TASKS IS AS FOLLOWS METHODOLGY USED The methodology adopted for researching on both the projects is by collecting primary data through questionnaire method. Customers as well as non-customers are interviewed using questionnaires on face-to-face basis by visiting different semi-urban regions of a few cities where HDFC bank has its branches located at. Data collected from questionnaires will be used in percentage form as the primary data for making analysis. It is a stringent research methodology based on a perception based survey which would include parameters like brand awareness, brand image/perception, brand recall value, brand performance and brand association. The process for preparing the questionnaires for the brand tracking survey is by interviewing 100 people (random sampling) on what they feel are important attributes or features that they look for while selecting a bank for opening a CASA account. The next step is to select the features that have been desired by maximum number of people asked. These features are to be included in the questionnaire along with the other questions for tracking the brand image of HDFC bank. By multiplying the rank given by interviewees to the importance level of the attribute, a clear idea can be drawn as to where HDFC bank stands as compared to its competitors and in which areas the bank need to work upon. Also, the local taglines of HDFC Bank in different cities for example, Gujarati in Surat, Marathi in Aurangabad and so on has been included in the questionnaire for indentifying the understanding that people, of that particular region, have about the local tagline. In order to prepare the questionnaire to study the impact of marketing collaterals in branches, the most common marketing collaterals have been identified and included. The questionnaires are prepared with the aim of identifying the importance and effectiveness of each marketing collateral and the problems faced by the visitors in using these collaterals. For providing more clarity, both the questionnaires prepared are attached with this report. The entire data derived from the questionnaires regarding both the projects, is coded and saved in EXCEL sheets so that it can be included in the banks MIS and can be used by the bank in future whenever required. CITIES AND BRANCHES VISITED TILL DATE Lists of cities that have been visited for Brand Tracking of HDFC Bank is as follows: 1) Aurangabad People outside the branches of HDFC banks competitors i.e. ICICI bank, SBI and AXIS bank were interviewed using questionnaires that were prepared. 2) Surat Semi-urban regions near Surat city were visited i.e. Bardoli and Amroli. 3) Madhya Pradesh Semi-urban regions of M.P were visited i.e. Khandwa and Harda. 4) Rajkot Semi-urban regions of Rajkot were visited i.e. Wankaner, Metoda and Una. A list of branches of HDFC Bank in Mumbai that were visited to conduct the study on impact of marketing collaterals in branches is as follows: Hughes Road branch Sandoz house branch Khar Road branch Borivali branch Vashi branch Andheri branch Sanpada branch Zaveri branch APMC 2 branch Kandivili branch EXCEL sheets containing the entire information of the cities and branches visited along with the data collected is attached with this report. DATA FINDINGS OF MARKETING COLLATERALS SURVEY List of branches visited: Hughes Road branch Sandoz house branch Khar Road branch Borivali branch Vashi branch Andheri branch Sanpada branch Zaveri branch APMC 2 branch Kandivili branch Total number of people interviewed: 200 Data collected is as follows: 1) How often do you visit the branch? a) Very often 48% b) Less often 28% c) Rarely 24% 2) How much time do you spend in the branch at every visit? a) 5 to 10 minutes 17.5% b) 10 to 15 minutes 34% c) 15 to 20 minutes 20.5% d) Above 20 minutes 28% 3) Which of the following collaterals attract your attention the most? 4) Do you often spend time reading these collaterals? a) Yes 67.5% b) No 32.5% 5) Do you find it easy to read them? a) Yes 94% b) No 6% 6) If yes, does it induce you to inquire about it? a) Yes 75.5% b) No 24.5% 7) If no, what are the obstacles that prevent you from reading it? a) Location of the collateral 2.5% b) Font size/colour 2% c) Too much text matter 12% d) Language 0.5% e) Other issues 6% f) No issues 77% DATA FINDINGS ON BRAND TRACKING Cities Visited: Aurangabad, Surat (Bardoli and Amroli), Madhya Pradesh (Khandwa and Harda) and Rajkot (Una, Wankaner and Metoda) Total Number of peopleinterviewed: 200 Data collected is as follows: (The data provided is divided into three sections i.e. in terms of all the data collected, data collected from customers and data collected from non-customers) 1) Banks that the people were aware about are as follows: All data: HDFC bank 26.3% ICICI bank 21.8% State Bank of India 18% Axis bank 15% Other 18.8% Customers: HDFC bank 28.57% ICICI bank 19.72% State Bank of India 16.32% Axis bank 12.92% Other 22.44% Non-customers: HDFC bank 25.60% ICICI bank 22.51% State Bank of India 18.54% Axis bank 15.67% Other 17.66% 2) Public opinion about each bank with regards to the attributes mentioned as follows: a) Trust All data Customers Non-Customers b) Customer friendly staff All data Customers Non-customers c) Speed of services All data Customers Ranks ICICI HDFC SBI AXIS Impact of Marketing Collateral in Banks Impact of Marketing Collateral in Banks INTRODUCTION About HDFC Bank: HDFC Bank was incorporated in August 1994, and, currently has a nationwide network of 2000 Branches and 5,471 ATMs in 996 Indian towns and cities. Differentiate to lead: Trust is a bankers greatest currency and a great banking and financial services brand can be built only on a strong foundation of trust. That pretty much has been HDFC banks story as it emerged from the image of a state owned housing finance corporation to a slick new age universal bank. Incorporated in 1994, the banks contribution to the bustle of post liberalization has been incredible. The banks service offerings include a spectrum of innovative products in retail banking, wholesale banking, the capital markets and many more areas growing consistently at 25-30 percent for over a decade. This has been driven by HDFC banks decision to adopt technology as its backbone. Not only did the technological revolution cut down costs but most significantly it enhanced the customer experience. The experience fostered trust and confidence among customers and the virtuous feedback loop catapulted HDFC bank into the league of elite private sector banks in the country. HDFC banks biggest differentiator from others is its robust set of policies that they worked on backed by quality service. Clear de-risking policies in a high risk Indian market have paid rich dividends to a brand run with great vision and strategy. When others concentrated on numbers, HDFC bank concentrated on quality. That made them an extremely respected bank to deal with. Power Creation: With the vision of being one-stop financial superstore in mind, the bank operates in three segments: Personal Banking, Wholesale Banking, and NRI Services. The Personal Banking segments provides various deposit products, exclusive banking for high net-worth individuals including Wealth Advisory, Private banking and Personal loans such as auto, personal, home, gold, business loans and more. This segment also is the distribution point for third party financial products, such as Mutual Funds and Insurance. In the space of Personal Banking, HDFC banks credit Cards are also enormously trusted. Here as well some well-crafted strategies of the past have yielded brilliant results for the bank. One of the key success factors for HDFC bank is clear de-risked business strategies that not only ensure the right revenue inflow but a loyal customer base. The Wholesale Banking segment provides loan and transaction services to large corporate organizations, emerging corporate organizations, small and medium enterprises and institutional customers. It also offers deposit and transaction banking products, working capital and term finance, foreign exchange products and the like. Other services include trade services, cash management, money market, custodial, tax collection and electronic banking. In addition, it provides correspondent bank services to co-operative banks, private banks, foreign banks and regional rural banks and investment services for non-resident Indians. Communication Strategy: The positioning strategy in recent years has been to position the bank as a one-stop financial supermarket. The objective of the communication has not just been acquisition of new customers, but also creating product awareness, enhancing usage and providing value-adds to customers. The campaigns from HDFC bank have always focused on that and their tagline ‘We Understand Your World only carries the legacy forward. Advertisement campaigns are aimed at highlighting how a product fulfils an identified customer need. The communication showcases the customer benefit first showcasing the banks commitment towards excellence in customer service facilitated through various means, especially technology. The bank also compliments its visual media presence with below the line activities including innovative programmes such as the Merits Scholarship plan which received high acclamation. Magical factors: As a brand, HDFC bank remains committed to India and enhancing the financial service space for everyone in the country. HDFC bank plans to bring financial viability in the next five years to 10 million families at the bottom of the pyramid through supporting microfinance programmes which can be driven by the bank through self help groups rather than just relying on microfinance institutions. The relentless pursuit of efficiency through technology also makes the bank a customer favourite. Their latest innovation is the ‘My Favourite features at ATMs which help customers reduce the time they spend at the ATM. The feature enables the consumer to customize his most often used withdrawal amount thereby speeding up the process by about 40%. It is the focus on little things also that has made HDFC bank such a customer centric bank and is the heart and soul of the brand. Brand Ethos: HDFC bank has always been about making customers comfortable thereby earning their trust. Whether it is through offering transparent products with no hidden fine print or through technological enhancements, HDFC bank has always paid attention to understand customer needs, reinforcing the trust it holds among customers. Its current tagline â€Å"We Understand Your World† is only apt in the sense that if theres one word youd like to associate with HDFC bank it has to be ‘understanding. What is a Brand? The word brand is derived from the Old Norse â€Å"brandr† meaning to burn. It refers to the practice of producers burning their mark (or brand) onto their products. When the technique of branding first started, it was meant to make identifying and differentiating a product easier. Over time, brands came to embrace a performance or benefit promise, for the product, certainly, but eventually also for the company behind the brand. Today, brand plays a much bigger role. Brands have been co-opted as powerful symbols in larger debates about economics, social issues, and politics. The power of brands to communicate a complex message quickly, with emotional impact and the ability of brands to attract media attention makes them an ideal tool in the hands of activists. Brand is the personality that identifies a product, service or company (name, term, sign, symbol, or design, or combination of them) and relates to key constituencies i.e. customers, staff, partners, investors etc. Brand identity and image Brand identity is the outward expression of a brand, including its name, trademark, communications and visual appearance. Because the identity is assembled by the brand owner, it reflects how the owner wants the consumer to perceive the brand and by extension the branded company, organization, product or service. This is in contrast to the brand image, which is a customers mental picture of a brand. The brand owner will seek to bridge the gap between the brand image and the brand identity Brand awareness Brand awareness refers to customers ability to recall and recognize the brand under different conditions and link to the brand name, logo and jingles etc., to certain associations in memory. It helps the customers to understand to which product or service category the particular brand belongs and what products and services are sold under the brand name. It also ensures that customers know which of their needs are satisfied by the brand through its products. Brand awareness is of critical importance since customers will not consider your brand if they are not aware of it. Brand Tracking The role of brand tracking methodologies is to monitor the health and the value of your brands. These are the business equivalent of taking your temperature or reading your pulse they can tell you quite reliably (within statistically-dictated tolerances) whether you are ill or well, and even how ill or how well. They can also point to certain symptoms. However, if you want to know how to get better, you may have to go to see a doctor (or, in this case, a consultant/marketing research agency using sophisticated diagnostic and prognostic techniques) Effective brand management relies on getting timely and accurate information from the target audiences. Brand tracking involves designing a program of measurement that is completed on a regular schedule to allow for trend analysis and comparison. Some of the key metrics that are involved in tracking a brand include: Brand awareness and familiarity Brand perceptions Brand positioning Delivery on brand promise Perceptions of competitive brands What are marketing collaterals? Marketing collaterals consists of printed materials that describe a business and its products and services. Marketing collateral includes brochures, posters, banners, standees and other printed materials produced by or for an organization. Types of the marketing collaterals used in HDFC bank are displayed as follows: MARKETING COLLATERALS WINDOW GLAZINGTENT CARDS LCD TVSTANDEE BANNERLEAFLETS POSTERNOTICE BOARD DESCRIPTION OF THE PROJECT Impact of marketing collaterals in branches: Every bank has several branches spread wide all over. As we enter a branch we witness many informative items such as banners, posters, standees, leaflets, window glazing, etc. These are known as marketing collaterals. These collaterals are put up with the intention of being read and used by every individual, customer or non-customer, whosoever enters the branch for whatever purpose. They carry information regarding new offers, schemes, rates, changes in banking operations, RBI implications, list of services provided, etc. These are meant to grab customer attention and to probe them into enquiring about the information displayed. It not only helps in improving sales opportunities but also helps in spreading information about the bank and its services. By observing and studying how effective these collaterals actually are, we could do a cost-benefit analysis and also provide recommendations on improving the effectiveness and usefulness of these collaterals by making desired modifications. The project involves observing visitors and also using questionnaires to identify the effective usage of marketing collaterals in the branches of HDFC bank spread over Mumbai city. Brand tracking of HDFC bank in semi-urban regions of India: A brand is defined as a name, term, sign, symbol or design or a combination of them, intended to identify the goods or services of one seller or a group of sellers and to differentiate them from those of competitors. It is very difficult to understand the perception that people have about a particular brand. The role of brand tracking is to monitor the health and the value of a particular brand. It can tell you quite reliably how are the brand performing and what is the image of the brand, as perceived by the people. Brand tracking can point out the reasons why a brand is not performing well and can also recommend suggestions on improving the brand image. In this project, I will be using questionnaires to interview already existing customers as well as non-customers in semi-urban areas of selected cities of India about how they feel about HDFC bank and its services. Interviews would be done face-to-face or door-to-door. Analysis will be made from the data obtained and the current brand image in the minds of people can be formed. Accordingly, suggestions can be provided on how the brand image can be improvised. OBJECTIVES OF THE PROJECT Impact of marketing collaterals in branches: HDFC bank has 1780 branches and 5231 ATMs in 833 Indian towns and cities. Every branch has several marketing collaterals placed with the intention of spreading awareness about the bank and for improving sales. HDFC bank incurs expenses to put up these marketing collaterals. If the collaterals do not help the bank up to the desired extent at which the bank requires then it is considered that the bank is making losses on these marketing collaterals. The core objective of this project is to study the usefulness of marketing collaterals and to identify the obstacles that are faced by the customer/visitor in utilizing these collaterals. Thus, changes can be suggested in order to improve the utility of these marketing collaterals. Brand tracking of HDFC bank in semi-urban regions of India: A brand plays a very vital role in the sales of any company. The image that people have about a certain brand influences them to make decision regarding whether to use a certain product or service of that particular brand. Thus, in order to improve sales, it is very important to improve the brands image in the minds of people. Brand tracking is a methodology which helps in tracking and identifying the brands image i.e. what people perceive about the particular company. Identifying the brands image is very helpful in placing marketing strategies. The objective of this project is to track the image of HDFC bank in the minds of its customers as well as non-customers in semi-urban markets of India and identifying the banks brand position as compared to its competitors. BENEFITS TO THE ORGANIZATION With the help of this survey, HDFC Bank can identify how much impact its each marketing collaterals has on the customers and which are the collaterals which are not helpful or fail to induce enquiries from the customers. Also the reason behind the collaterals not being attractive are found out and accordingly modifications are suggested. Thus, the effectiveness of the marketing collaterals at various branches of Mumbai city can be increased. The brand tracking survey would help HDFC Bank to identify what people in semi-urban regions perceive about it. Also it can know where it stands as compared to its competitors and what people understand about HDFC Banks local taglines. The brand awareness, visibility, likability and its recall value is calculated. Future marketing strategies can be designed using this information. Apart from these core objectives, HDFC Bank can also use the database collected by the survey for generating leads and other such purposes. LIMITATIONS OF THE STUDY As the method of communication used for the survey is face-to-face or door-to-door, the limitations include limited geographical flexibility, high cost and difficulty in call back or follow-up. The entire surveys, research, analysis and decisions are based on the primary data collected by interviewing people from different cities. So the project is highly reliable on the perceptions, thoughts and ideas of people, which are ever changing. Also measuring the cognitive, affective and behavioural components of an attitude is a limitation. The project on brand tracking is limited to the semi-urban regions of India and does not include the urban cities. RESEARCH PROCESS ADOPTED Both the projects that have been selected are research based projects. To study the impact of marketing collaterals in the branches of HDFC bank in Mumbai city as well as for tracking the image of HDFC bank in semi-urban regions, a research had to be made which followed a process that is divided in 7 steps which are as follows: The entire research process has been designed keeping these 7 steps in mind. Accordingly, a schedule was formed and the stipulated time frame was decided to complete the tasks of the schedule. This helped complete the projects in a smooth and systematically planned manner. THE SCHEDULE OF TASKS IS AS FOLLOWS METHODOLGY USED The methodology adopted for researching on both the projects is by collecting primary data through questionnaire method. Customers as well as non-customers are interviewed using questionnaires on face-to-face basis by visiting different semi-urban regions of a few cities where HDFC bank has its branches located at. Data collected from questionnaires will be used in percentage form as the primary data for making analysis. It is a stringent research methodology based on a perception based survey which would include parameters like brand awareness, brand image/perception, brand recall value, brand performance and brand association. The process for preparing the questionnaires for the brand tracking survey is by interviewing 100 people (random sampling) on what they feel are important attributes or features that they look for while selecting a bank for opening a CASA account. The next step is to select the features that have been desired by maximum number of people asked. These features are to be included in the questionnaire along with the other questions for tracking the brand image of HDFC bank. By multiplying the rank given by interviewees to the importance level of the attribute, a clear idea can be drawn as to where HDFC bank stands as compared to its competitors and in which areas the bank need to work upon. Also, the local taglines of HDFC Bank in different cities for example, Gujarati in Surat, Marathi in Aurangabad and so on has been included in the questionnaire for indentifying the understanding that people, of that particular region, have about the local tagline. In order to prepare the questionnaire to study the impact of marketing collaterals in branches, the most common marketing collaterals have been identified and included. The questionnaires are prepared with the aim of identifying the importance and effectiveness of each marketing collateral and the problems faced by the visitors in using these collaterals. For providing more clarity, both the questionnaires prepared are attached with this report. The entire data derived from the questionnaires regarding both the projects, is coded and saved in EXCEL sheets so that it can be included in the banks MIS and can be used by the bank in future whenever required. CITIES AND BRANCHES VISITED TILL DATE Lists of cities that have been visited for Brand Tracking of HDFC Bank is as follows: 1) Aurangabad People outside the branches of HDFC banks competitors i.e. ICICI bank, SBI and AXIS bank were interviewed using questionnaires that were prepared. 2) Surat Semi-urban regions near Surat city were visited i.e. Bardoli and Amroli. 3) Madhya Pradesh Semi-urban regions of M.P were visited i.e. Khandwa and Harda. 4) Rajkot Semi-urban regions of Rajkot were visited i.e. Wankaner, Metoda and Una. A list of branches of HDFC Bank in Mumbai that were visited to conduct the study on impact of marketing collaterals in branches is as follows: Hughes Road branch Sandoz house branch Khar Road branch Borivali branch Vashi branch Andheri branch Sanpada branch Zaveri branch APMC 2 branch Kandivili branch EXCEL sheets containing the entire information of the cities and branches visited along with the data collected is attached with this report. DATA FINDINGS OF MARKETING COLLATERALS SURVEY List of branches visited: Hughes Road branch Sandoz house branch Khar Road branch Borivali branch Vashi branch Andheri branch Sanpada branch Zaveri branch APMC 2 branch Kandivili branch Total number of people interviewed: 200 Data collected is as follows: 1) How often do you visit the branch? a) Very often 48% b) Less often 28% c) Rarely 24% 2) How much time do you spend in the branch at every visit? a) 5 to 10 minutes 17.5% b) 10 to 15 minutes 34% c) 15 to 20 minutes 20.5% d) Above 20 minutes 28% 3) Which of the following collaterals attract your attention the most? 4) Do you often spend time reading these collaterals? a) Yes 67.5% b) No 32.5% 5) Do you find it easy to read them? a) Yes 94% b) No 6% 6) If yes, does it induce you to inquire about it? a) Yes 75.5% b) No 24.5% 7) If no, what are the obstacles that prevent you from reading it? a) Location of the collateral 2.5% b) Font size/colour 2% c) Too much text matter 12% d) Language 0.5% e) Other issues 6% f) No issues 77% DATA FINDINGS ON BRAND TRACKING Cities Visited: Aurangabad, Surat (Bardoli and Amroli), Madhya Pradesh (Khandwa and Harda) and Rajkot (Una, Wankaner and Metoda) Total Number of peopleinterviewed: 200 Data collected is as follows: (The data provided is divided into three sections i.e. in terms of all the data collected, data collected from customers and data collected from non-customers) 1) Banks that the people were aware about are as follows: All data: HDFC bank 26.3% ICICI bank 21.8% State Bank of India 18% Axis bank 15% Other 18.8% Customers: HDFC bank 28.57% ICICI bank 19.72% State Bank of India 16.32% Axis bank 12.92% Other 22.44% Non-customers: HDFC bank 25.60% ICICI bank 22.51% State Bank of India 18.54% Axis bank 15.67% Other 17.66% 2) Public opinion about each bank with regards to the attributes mentioned as follows: a) Trust All data Customers Non-Customers b) Customer friendly staff All data Customers Non-customers c) Speed of services All data Customers Ranks ICICI HDFC SBI AXIS

Beckett, Brecht and Endgame Essay -- Beckett Endgame Essays

Beckett, Brecht and Endgame      Ã‚  Ã‚  Ã‚  Ã‚   Irish playwright Samuel Beckett is often classified amongst Absurdist Theatre contemporaries Jean-Paul Sartre, Albert Camus, Jean Genet, and Eugene Ionesco (Brockett 392-395). However, Endgame, Beckett's second play, relates more closely to the theatrical ideology of German playwright Bertolt Brecht, father of epic theatre and the alienation effect. Through the use of formal stage conventions, theatrical terminology, and allusions to Shakespearean texts within Endgame, Beckett employs Brecht's alienation concept, distancing the audience empathetically from players of the game and instead focusing attention upon the game itself.    Bertolt Brecht, whose final work, Galileo, was last revised three years before Beckett published Endgame, was personally and professionally influenced by Marxist theory and the political events which plagued the middle of this century. According to drama anthologist Oscar G. Brockett, Brecht asserted that theatre must do more than simply entertain the passive spectator; theatre must recognize and incite change. Brecht suggested a system of "productive participation, in which the spectator actively judges and applies what he sees on stage to conditions outside the theatre" (365-366). Brecht's alienation effect was a direct means of evoking this participation-the audience is emotionally distanced from characters to allow objective observation. "The audience should never be allowed to confuse what it sees on the stage with reality. Rather the play must always be thought of as a comment upon life- something to be watched and judged critically" (Brockett 366).    Samuel Beckett distances the audience from his comment on life throug... ...tieth Century Interpretations of Endgame: A Collection of Critical Essays.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Englewood Cliffs, N.J.: Prentice-Hall, Inc., 1958. Cohn, Ruby. "Endgame." Chevigny 40-52. Easthope, Antony. "Hamm, Clov, and Dramatic Method in Endgame." Chivgny 61-70. Lell, Gordon. "Discussion of Value in Shakespeare's Hamlet" English 401X Lecture. Concordia College. 8 April   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   1998. Shakespeare, William. "Hamlet." The Complete Works of Shakespeare. Ed. David Bevington. New York:   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Longman, 1997. Shakespeare, William. "The Life of King Henry the Fifth." The Complete Works of Shakespeare. Ed. David   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Bevington. New York: Longman, 1997. Shakespeare, William. "The Tragedy of King Richard the Third." The Complete Works of Shakespeare. Ed. David   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Bevington. New York: Longman, 1997. Beckett, Brecht and Endgame Essay -- Beckett Endgame Essays Beckett, Brecht and Endgame      Ã‚  Ã‚  Ã‚  Ã‚   Irish playwright Samuel Beckett is often classified amongst Absurdist Theatre contemporaries Jean-Paul Sartre, Albert Camus, Jean Genet, and Eugene Ionesco (Brockett 392-395). However, Endgame, Beckett's second play, relates more closely to the theatrical ideology of German playwright Bertolt Brecht, father of epic theatre and the alienation effect. Through the use of formal stage conventions, theatrical terminology, and allusions to Shakespearean texts within Endgame, Beckett employs Brecht's alienation concept, distancing the audience empathetically from players of the game and instead focusing attention upon the game itself.    Bertolt Brecht, whose final work, Galileo, was last revised three years before Beckett published Endgame, was personally and professionally influenced by Marxist theory and the political events which plagued the middle of this century. According to drama anthologist Oscar G. Brockett, Brecht asserted that theatre must do more than simply entertain the passive spectator; theatre must recognize and incite change. Brecht suggested a system of "productive participation, in which the spectator actively judges and applies what he sees on stage to conditions outside the theatre" (365-366). Brecht's alienation effect was a direct means of evoking this participation-the audience is emotionally distanced from characters to allow objective observation. "The audience should never be allowed to confuse what it sees on the stage with reality. Rather the play must always be thought of as a comment upon life- something to be watched and judged critically" (Brockett 366).    Samuel Beckett distances the audience from his comment on life throug... ...tieth Century Interpretations of Endgame: A Collection of Critical Essays.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Englewood Cliffs, N.J.: Prentice-Hall, Inc., 1958. Cohn, Ruby. "Endgame." Chevigny 40-52. Easthope, Antony. "Hamm, Clov, and Dramatic Method in Endgame." Chivgny 61-70. Lell, Gordon. "Discussion of Value in Shakespeare's Hamlet" English 401X Lecture. Concordia College. 8 April   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   1998. Shakespeare, William. "Hamlet." The Complete Works of Shakespeare. Ed. David Bevington. New York:   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Longman, 1997. Shakespeare, William. "The Life of King Henry the Fifth." The Complete Works of Shakespeare. Ed. David   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Bevington. New York: Longman, 1997. Shakespeare, William. "The Tragedy of King Richard the Third." The Complete Works of Shakespeare. Ed. David   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Bevington. New York: Longman, 1997.

Geothermal Energy :: essays papers

Geothermal Energy It has come to my attention that your research center gives some helpful information on my desire course of study. Let me explain briefly about my education background. I received B.S degree in 1999 with a major in Mechanical Engineering. (Heat and fluid branch) later, I began new course for M.S degree since 1999 in Energy Engineering (which continues) At present, I am searching and editing my final project. The title of my research would be â€Å" Technical and Economical evaluation of geothermal energy systems†. Also, the subtitle named as â€Å" Geothermal Heat Pump†. The main idea of this project is mentioned below: 1. To collect a technical and energy model consisted of general information such as exploration, drilling, capacity of equipments, etc. 2. to gather economical plans based on technical model. In other words, we should consider the application of heat pump as well as economical point of view. 3. Comparison to geothermal heat pump and traditional air condition systems. Furthermore, to explain advantages and disadvantages of each system. 4. Comparison to geothermal heat pump and traditional heat pump. 5. Conclusions. I’d like to call your attention to this matters, unfortunately in Iran there is no sufficient and reliable sources on renewable energy. So, our references are very limited. All of my professional information was on the basis of searching Internet. The Iranian society of mechanical engineering has published a special magazine titled â€Å"Mechanical Engineering†. As a member of this association, I wrote an article titled Geothermal energy which published. You will see that I thoroughly enjoyed to have all information that would be helpful and constructive in my study. At the end, you are kindly requested to send me, if available, guidelines for following items: 1. General reports on Geothermal Energy by referring to historical analysis as well as the usage of different systems

Bribery: Tammany Hall Essay

Political machines of fraud and bribery Introduction: Lincoln Steffens published the â€Å"shame of the cities† witch was a book based on the corruption in the 1900’s. By 1900, many cities in the south of America were controlled by political machines. These organizations consisted of full-time politicians whose main goal was to get and keep politicians power and money and also influence that went into it. In the 1900’s, machines were usually associated with a political party; party’s forced to join to limit competition. And although it provided aids it also stifled opportunities for many citizens. Political bosses controlled access to city jobs for example police and fire departments or on contraction projects. To get a city work contract you had to donate to the machines reelection campaign. Many business paid politicians make government not to interfere with their activities. Such payoffs became part of the cost of doing business. Muckrakers called them BRIBERY National government also suffered from corruption. For example, the constitution gave state legislatures the power to choose senators, but corporations often bribed state legislators to elect their favored candidates to the senate. The senates were really wealthy men with class ties to powerful industries. As cities and their problems grew rapidly the political environment changed. No longer did politicians run small manageable cities. These were big cities with big city problems and the government structures designed to cope with these problems grew. As the government grew it became the livelihood for many professional politicians. Some would argue that these politicians were corrupt, they would argue that they provided a needed service . he Society of St. Tammany, which was also called the Columbian Order, was founded in May 1789 (some sources say 1786). The organization took its name from Tamamend, a legendary Indian chief in the American northeast who was said to have had friendly dealings with William Penn in the 1680s. The original purpose of the Tammany Society was for discussion of politics in the new nation. The club was organized with titles and rituals based, quite loosely, on Native American lore. For instance, the leader of Tammany was known as the Grand Sachem, and the club’s headquarters was known as the wigwam. Befor long the Society of St. Tammany turned into a distinct political organization affiliated with Aaron burr, a powerful force in New York politics at the time.

Pocket Money Should Be Given to the Teenagers or Not

With the development of our modern society, peoples living conditions become much more comfortable. But along with intense competition, parents have less time to consider children needs in all-round. One method to solve this contradiction is to give children some pocket money. Pocket money is useful to children. But whether the children are considerable enough to make correct use of these money. There are two viewpoints about the pocket money. Some people think that giving children pocket money will make them become luxurious. Others think that will not lead to such disadvantage. In my opinion, both of them are partially reasonable. Nowadays teenagers are moving to independence and it will help them if they have some practice in managing money. Giving pocket money teaches teenagers to manage money while they are still young and parents can still guide them. Also, it help teenagers to make choices and to see that sometimes people have to wait and save up some money to get what they really want. The important predicament of pocket money must have certainly flashed your mind either during your childhood or as a parent now. Of course, the dilemma is always much more grave if you are a parent. Parents extensively differ in their perspectives of upbringing children in a system of granting pocket money to take care of their petty expenses. At first, the definite expenses that should be termed as petty is pretty much subjective in nature and needs to be well-defined to start with. The second question you need to ask is what is the extent to which a child be given freedom to spend money which is deemed as pocket money? While lot of parentaâ‚ ¬Ã¢â€ž ¢s concerns revolves around promoting unhealthy competition amongst children on the amount of money they get and loss of control on a childaâ‚ ¬Ã¢â€ž ¢s spending habits, there are also some positive lessons for teenagers such as inculcating money management skills and making tough decision regarding spending desires that offer less value to their lifestyle. Some peoples believe that giving children pocket money really has many advantages. With pocket money, children can buy their daily necessities such as pencils, little toys, and snack food they like. It will give children a certain freedom to select what they want, make them aware rules of the equivalent exchange. Since time to parents is very precious, giving pocket money to children help them to save time spent in shopping, but used in busy working and earning money. Children can get the value of the money when they are responsible to pay for their purchases and they will become more responsible with money matters. It can also lead the children pay for their things from their pocket money itself, so that they get to know how grownups set up a budget when salary comes and pay for living expenses. Some parents think that giving pocket money to their children can saves a lot of time for grownups to buy small things for them. Parents can utilize this time for other important tasks. Once start giving pocket money to children, they have to begin make important decision regarding spending money themselves, this will gives them the sense of purpose and achievement. Besides that, children feel a sense of independence and responsibility towards spending the money in the right way. They learn to understand the value of money. Children will get into the habit of planned income and expenditure. They also learn about saving & budgeting. Giving pocket money to children makes them feel an important part of the family since they know that they get a part of the family's monthly income. Therefore, the way of giving pocket money will develop a sense to children of how much has to be done to earn money, learn that ‘money doesn't grow on trees', learn what money can buy, how much they need to buy and what they need to buy. They can have their own money to spend and helping them develop self control and understanding the value of money, and learn to save money. Others insist that there are undoubtedly some disadvantages in spending pocket money. First, young children do not know how to use pocket money appropriately, they possibly consume all the money to buy expensive merchandise that they like, and then ask for extra money from their parents. Some parents cosset their children, and always give them a large amount of pocket money. Such conditions will make children become more and more prodigal. Second, since adults do not supervise the procedure of shopping, children could probably buy something that is not suitable for their age, such as adult magazines. The aâ‚ ¬? Current Pocket Money Trends in Malaysiaaâ‚ ¬? survey has cited that metropolitan children in the 12-20 ages group get as much as RM500 to over RM1500 a month of pocket money to spend on apparels, physical appearance, cell phone and other lifestyle products. A child may not be cautious in spending money, he or she can easily spend on frivolous unnecessary items. Children are not expected to know the value of money so they are never expected to make a wise decision regarding money. A child can easily get into trouble if there is no supervision with regards to money matters. He or she can be the prey to the bullies at school or play area if they are carrying lots of pocket money. Children may always think they will get paid for everything they do to help, you have to find the money to pay them regularly, it is hard to know what the pocket money is supposed to pay for and there will always seems to be something more. Although children learn to understand that amount of money is limited and they need to always choose between their various desires to ensure correct use of their pocket money. Some parents believe that pocket money should not be given since that will make the child feel that ‘parents money is not his/her money', it could lead to unhealthy competition amongst children on the amount of pocket money they get, and they will loss of control on where children spend the money. By judging these two viewpoints above that I mentioned, I think that parents should give their children a limited amount of pocket money and there must always exist some preconditions such as the amount of pocket money must be finite; parents should instruct their children how to use the money moderately and what is suitable to them; for a costly merchandise, parents themselves should take children to buy it. With these preconditions, pocket money will do no harm to their children. Parents need to explain to them where the money is to be used. For example when you first give the amount to your daughter, you need to explain that this money is to cover her school special lunch; candies or soft drinks requirements for a week. If the child is given money without any direction, you could run the risk of the child using the money is a way that does not agree with you. In such cases, parents need to be very careful in not micro- managing where the child spends the pocket money, else the child will get irritated and will not get the aâ‚ ¬? sense of independenceaâ‚ ¬Ã¢â€ž ¢ that parents want to instill in the child. Once children start spending, sometimes away from their parents in going to school, sports classes, tuitions, and they need to carry some amount of money on them. In the beginning, the amount of money should be small and should be periodically reviewed as the child grows. For example parents could decide that every birthday, they will give an increment to your childaâ‚ ¬Ã¢â€ž ¢s pocket money. If your child excels in academics or sports, they could get higher pocket money increments! How much is the best as the pocket money? Parents must always ensure that they give comparable pocket money to their children. It should neither be too much or too little compared to friends. Giving more pocket money than friends will make your child spend more and consider money as frivolous and easily available. If your child gets less pocket money than his/her friends, it will lead to an inferiority complex and the child might start resenting you. An idea might be to give your child a set amount each week, putting half in a savings account. At the end of a time agreed on by you both, perhaps three months and the child can spend the saved money exactly as they wish. If they choose to ‘waste' it on lollies they can do so. However most children want something special and usually prefer to save for that particular thing and not waste it on a brief pleasure. This helps teach them the value of saving. Another way treat pocket money as a way of punishment. Parents must be careful not to use pocket money as a way of punishment to their children. Often, parents use aâ‚ ¬? suspension of pocket moneyaâ‚ ¬Ã¢â€ž ¢ as an easy way of punishing their children. This format of punishment is not wrong to use but must be applied carefully. For example if the child has a broken a beautiful vase and you want him/ her to understand the value of the same, you can penalize the child by deducting/ taking away the monthaâ‚ ¬Ã¢â€ž ¢s pocket money. But you cannot start using pocket money as a weapon to get the child to abide by all your wishes. For example you might want your child to have two glasses of milk everyday which he may not want to; in such cases by incentivizing the child for more pocket money will be wrong to do since such a format of giving money is not pocket money but aâ‚ ¬? bribeaâ‚ ¬Ã¢â€ž ¢. Similarly, pocket money penalty cannot be used as a blanket punishment to all wrong-doings. If the child starts feeling that he/she will never really get pocket money due to some punishment, he/she might be tempted to steal money from parents. If you decide to give pocket money you need to work out, how much is reasonable, whether the money will be paid for doing chores, how much must be done to earn it, and how much is simply because aâ‚ ¬? you are a member of the familyaâ‚ ¬Ã¢â€ž ¢, how much each job is worth, whether all children get the same amount or the older child gets more, how much control parents will have over the use of pocket money or do they have to save some, what can they buy with it, when you will pay? Because the children won't learn about the responsibility of money if parents don't honor the agreement.