Business Decision Making Assignment Example | Topics and Well Written Essays - 2000 words

Business Decision Making - Assignment Example The statistical surveying will contact various individuals from open †rather than counseling objective crowd. The hindrance of the model is that it is tedious (Dillon, Madden and Firtle, 1994). Initial segment: Market Research poll First name†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Middle name†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..Last name†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. Age.........Sex†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Occupation†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.Contact details†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..Permanent address†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Email address†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦... Assessment of people needing exercise center administrations 1. Height†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..Weight†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 2. If it's not too much trouble depict your way of life Sedentary: working from a fixed point all day†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ Moderate. I take part in practice occasion ally†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. Dynamic. I practice regularly†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 3. How might you portray your eating examples or propensities? Whimsical: I eat whatever I come across†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. Genuinely standard: I avoid various meals†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. Normal: I guarantee to get all dinners and in an ideal manner†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 4. Do you eat between principle suppers? 5. Are your suppers low calorie†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..moderate calorie†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..or high calorie†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. 6. ... Have you utilized rec center and wellness offices previously? 9. Have you taken any exercise center instructional courses? 10. What wellness offices do you use? 11. What wellness offices do you own? 12. Where do you get to wellness offices? 13. To what extent have you partaken in wellness administrations? 14. Utilize the key beneath for the inquiries 15. (Rank yourself as magnificent, great, normal, poor, poor) Please rate your physical exercise and wellness participation?................... If you don't mind rate your ability in utilizing Gym facilities?................................... Do you imagine that exercise center administrations are significant for each person?................................. (Give reasons) Do you approach a rec center center?.............................. How frequently do you utilize the administrations offered at the rec center center?.................................... Which of the two wellness preparing do you like? Exercise center services†¦Ã ¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Aerobics†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. Section three (For those that have utilized rec center administrations previously) 16. Did you discover joining a rec center supportive? 17. Is it accurate to say that you are happy with the rec center and wellness offices gotten? Where might you expect that the administrations were unique? 18. Have you gotten any rec center and wellness administrations while at Brent Cross? 19. What was the cost for the administrations? Was the value worth the administrations given? 20. What was your general fulfillment and what remarks would you be able to draw from that? 21. How could you rate the administrations got, and what reference focuses do you use for that? 22. How might you expect the exercise center administrations to be offered at Brent Cross? Section four: Description of the general Brent Cross populace 1. How might you characterize the wellness levels of the inhabitants of this zone? By and large thin and unhealthy†¦Ã¢â‚¬ ¦Ã¢â‚ ¬ ¦Ã¢â‚¬ ¦.. (Clarify) Generally fit and

Great Gatsby Weddings and Social Occasions Free Essays

Ruby DeFelice 11/14/12 Pd. 2 Mr Brennan Lavish gatherings are bounteous all through the novel The Great Gatsby. Lavish slams tossed by Jay Gatsby pull in the â€Å"foul dust† of East and West egg like moths to a light. We will compose a custom article test on Extraordinary Gatsby: Weddings and Social Occasions or on the other hand any comparative theme just for you Request Now Those in participation at Gatsby’s parties will in general be the world class rubbish of the earth thinking about nobody and nothing with the exception of their very own social notorieties. Two events are especially applicable to the improvement of the novel; the reliably present soirees and Gatsby’s memorial service together light up the real factors of the participants esteems, build up the perusers sympathy towards Gatsby, and help reveal a more profound good. Many affluent blockheads appear at Gatsby’s house arranged for a sensational night of drinking and intoxicated jokes. After a long time after night individuals come to Gatsby’s, their liberal host, rubbish his home, drink his liquor and have a fabulous bygone era. One would think Gatsby is a popular man with numerous companions and friends and family, at any rate that is the thing that his well known gatherings suggest. However nobody in participation appears to know who Gatsby truly is by any stretch of the imagination. Visitors in Gatsby’s house, not by any means knowing who the man is, twitter bits of gossip about him throughout the night never truly knowing reality, never truly minding to know. Gatsby’s life is brimming with individuals who use him, at the end of the day his life is vacant, a reality we don’t completely comprehend the seriousness of until his memorial service. At Gatsby’s burial service we find how alone he truly was. Of the entirety of the visitors skimming all through Gatsby’s parties, exploiting his accommodation, just one wants to appear at his burial service. Indeed, even Daisy the lady Gatsby had made his illusionary life for is to self retained to show up. The absence of organization at Gatsby’s memorial service surmise the inconsiderateness and self retention of the world class East and West egg residents. One man even has the boldness to call Nick, our hero, a day prior Gatsby’s burial service searching for his sneakers! Obviously he cannot make it to the memorial service of his once liberal host on account of earlier outing plans! The dismal truth of Gatsby’s solitariness and the bloodsuckers that exploited him finish their appearance during his burial service and cause the peruser to surrender to a solid compassionate demeanor toward the late Jay Gatsby. Through Gatsby’s gatherings and his memorial service develops a more profound significance of human expectation. Gatsby trusted in the green light of things to come, the light that in spite of the fact that you may never arrive voluntarily consistently be there coaxing to you. Gatsby is separated from everyone else from the beginning and at long last kicks the bucket alone, even the one individual he thinks generally about, his â€Å"green light†, doesn’t appear to mind enough to appear at his memorial service. Gatsby’s dream comes up short, yet even the frightfully pitiful and forlorn life he drove couldn’t prevent him from attempting to arrive at his fantasy as far as possible. The most effective method to refer to Great Gatsby: Weddings and Social Occasions, Essay models

Top 10 Communication Tips 2011 #4 COLUMBIA UNIVERSITY - SIPA Admissions Blog

Top 10 Communication Tips 2011 â€" #4 COLUMBIA UNIVERSITY - SIPA Admissions Blog This is the fourth entry in our “Top 10? list for you to consider when communicating with our office and applying. Number 4 â€" Thoroughly review our FAQ Page When it doubt about something regarding an admission issue my recommendation is first to check out our admission FAQ page.   Do not get me wrong, we love to answer email and help people out, but we also feel bad when we get backlogged and are not able to respond within the time frame we would like and the question is clearly answered on the FAQ page. Thus it is a great idea to familiarize yourself with the FAQ page.   I recommend setting aside some time to at least scan the whole page in one sitting.   This will allow you to take mental notes on all of the topics and you can revisit the page when you think of very specific topics you want to explore more deeply. Also, we try to update the FAQ page frequently.   If we find that lots of people have the same question, we try to add it to the FAQ page.   Thus do not be surprised if we direct you to the FAQ page when you email us with a question. While we do answer all emails sent to our office, you might find the answer more quickly if you perform some quick searches (CTRL-F in most browsers) on the FAQ page.

Life of Squanto, Native American Who Guided the Pilgrims

Tisquantum, better known by his nickname Squanto, was a member of the Patuxet band of the Wampanoag tribe. The exact date of his birth is unknown, but historians estimate that he was born around 1580. Squanto is best known for his work as a guide and interpreter for early settlers in Southern New England. His advice and assistance were integral to the survival of early Pilgrims, including the Mayflower Pilgrims. Fast Facts: Squanto Full Name: TisquantumNickname: Squanto  Known For: Serving as a liaison between Native American populations and Mayflower PilgrimsBorn: Circa 1580 in southern New England (now Massachusetts, United States)Died: 1622 in Mamamoycke (now Chatham, Massachusetts, United States)Key Accomplishments:  Helped early Pilgrims survive harsh, unfamiliar conditions. Early Years Very little is known about Squantos early years. Historians dont know exactly when or where he was born. They don’t know who his parents were or whether or not he had any siblings. However, they do know that he was a member of the Wampanoag tribe, and specifically the Patuxet band. The Patuxet lived primarily on coastal land in the area that is present day Plymouth, Massachusetts. They spoke an Algonquian dialect. It is believed that the band Squanto was born into contained more than 2,000 people at one point. However, written records of Patuxet are non-existent, since potential firsthand observers from England arrived after the members of the Patuxet were killed out by a plague. Years in Bondage A few historians have suggested that Squanto may have been kidnapped in 1605 by George Weymouth and taken to England before returning to North America in 1614, but modern historians do not believe there is evidence to support that theory. However, Squanto and several other members of the Patuxet were kidnapped in 1614 by Thomas Hunt, an English explorer and human trafficker. Hunt took Squanto and the others to Malaga, Spain and sold them into slavery. With the help of Spanish friars, Squanto escaped and traveled to England. He took a job with John Slaney, who sent him to Newfoundland in 1617. Squanto met explorer Thomas Dermer and eventually traveled with him back to North America. When Squanto returned to his homeland in 1619, he found his village empty. In 1617, a great plague had wiped out the Patuxet and other Native American tribes in the Massachusetts Bay region. He set out in search of survivors, but didn’t find any. He eventually returned to work with Dermer, who was engaging in skirmishes with native populations. Squantos Work With Settlers Squantos time in England equipped him with a unique set of skills. Unlike most other Native Americans, he was able to speak English, which allowed him to act as a liaison between the settlers and Native American tribes. He interpreted conversations and served as a guide for the settlers. Squanto is credited with teaching the Pilgrims how to grow plants and use natural resources. His guidance helped them survive their first year. Squanto was also instrumental when it came to skirmishes with some of the other Native Americans in the area. Some tribes did not appreciate the fact that he was helping the strange people from England. This caused problems for Squanto, who was once captured by a neighboring tribe. He was able to gain freedom from bondage once again and worked with the Pilgrims until his death. Death Squanto died in November of 1622. At the time, he was serving as a guide for William Bradford, the governor of the Plymouth settlement. Bradford wrote that Squanto grew sick with fever and died several days later. Some historians, including writer Nathaniel Philbrick, have suggested that Squanto may have been poisoned by Massasoit, but this is just speculation, as there is no proof that a murder was committed. It is believed that Squanto was buried in the village of Chatham Port, but this detail, like many of the details of Squantos life, may or may not be true. Legacy Squanto played an integral role in the survival of early settlers, but one could argue that he isnt always given the credit he deserves. Although there are many statues and memorials dedicated to the Pilgrims in Massachusetts, Squanto has not been memorialized in the same way: there  are no major statues or memorials to Squanto in the area. Despite the lack of memorials, Squantos name remains relatively well-known. This can, in part, be attributed to his representation in films and animated programs. Squanto was the focus of the Disney animated film â€Å"Squanto: A Warriors Tale,† released in 1994. The film was very loosely based on Squantos life, but did not provide a very accurate portrayal of historical events. Squanto also appeared in an episode of the animated series â€Å"This Is America, Charlie Brown,† which aired on television in 1988. The cartoon depicted the journey of the Pilgrims and detailed how Native Americans, like Squanto, helped the Pilgrims survive the hardships of the New World. Like the Disney film, the Charlie Brown cartoon was created for children and glossed over the darker details of English settlement. The most accurate historical portrayal of Squanto in popular culture is in the National Geographics â€Å"Saints Strangers.† This two-part mini-series appeared on television during 2015 and depicted the Mayflower journey and the Pilgrims first year in North America. It should also be noted that Squantos legacy includes appearances in history textbooks. Unfortunately, most of the depictions of Squantos life are derived from the historical writings of English Separatists, which incorrectly portray Squanto as  a noble savage. History is now beginning to correct the record of Squantos legacy. Sources Baumann, Nick. â€Å"Heres The Crazy Story About Thanksgiving Youve Never Heard.†Ã‚  The Huffington Post, 25 Nov. 2015, www.huffingtonpost.com/entry/thanksgiving-squanto-tisquantum-true-history_us_565471e1e4b0d4093a5917bb.Britannica, The Editors of Encyclopaedia. â€Å"Squanto.†Ã‚  Encyclopà ¦dia Britannica, 29 Oct. 2017, www.britannica.com/biography/Squanto.â€Å"Squanto.†Ã‚  Biography.com, AE Networks Television, 22 Nov. 2017, www.biography.com/people/squanto-9491327.â€Å"Squanto.†Ã‚  Gale Library of Daily Life: Slavery in America, Encyclopedia.com, 2018, www.encyclopedia.com/people/history/north-american-indigenous-peoples-biographies/squanto.

Positive And Negative Impacts Of Social Media On Society

There are various ways in which a positive social nudge can be initiated to help individuals experiencing this issue. Although a social nudge is what is influencing the deviant behavior, it can also be reconstructed in a way that decreases deviant behavior. According to Thaler and Sunstein, social pressures nudge people to accept some pretty odd conclusions (2009). Although the goal is not to get people to accept an odd conclusion, knowing that social pressures have that much effect on an individual if they are creative enough is vita; in the reconstruction process. Furthermore, it would be societies place to nudge deviant people to believe that their friends are bad and they should not hang out with them. This can be done in various ways,†¦show more content†¦However, there may be other more subtle nudges that could help permute positive behavior and separation from deviant peers. As previously mentioned, conformity is an easy nudge to influence one’s behavior. Given the issue at hand conformity is already being nudged in a positive way, so all that one would need to do is turn around the pressure of conformity into a positive way. This could be done by promoting positive and non-deviant acts throughout society and pressuring those deviant individuals to stop being deviant in a safe and ethical way. For instance, if an individual gets into trouble due to their deviant friends, the courts, officers, etc., can encourage these individuals to step away from their deviant friends and recommend groups of new peers that are not deviant. For instance, if the individual is spiritual they could recommend a church group for the individual to join. By joining new group, such as the one mentioned in the example given, they will be more likely to conform to those new, un-deviant peers and do what they are doing. Thus, by doing this an individual is being nudged to ma ke positive decisions. As far as ethical concerns go for this recommended revised nudge, there are little to none. The only ethical concern that could be potential is it being force to conform rather than pressure. There is a very fine line between these two elements. Therefore, this would have to be a careful nudge toShow MoreRelatedNegative Effects Of Social Media956 Words   |  4 PagesSocial media has a very high impact on people, their feelings, thoughts, and much more. Although social media can be useful by helping people communicate and do other things, the way people use social media now is not a helpful way at all. Today, social media is used in so many bad ways such as bullying, false statements, and making women believe that they have to look a certain way and that they need and have to look the same as every woman on social media. But can social media be used in a positiveRead MorePositive and Negative Effects of Social Media Essay638 Words   |  3 PagesSocial medi a is any website that allows social interaction. Social media is growing rapidly throughout the world. More adults and teenagers are joining sites such as Facebook, MySpace, and Twitter to interact with friends, family, and strangers. The introduction of social media has changed the world in many ways. It affects each individual in different ways. Today it can be used as a very helpful tool in changing a person’s life, but at the same time cause such conflicts which can negatively impactRead MoreNegative Effects Of Social Media Essay1144 Words   |  5 Pagessimple click away. While technology advances have had a huge positive impact on the efficiency and productivity of today’s society and the generation of people that have come from it, it has also slowed us down and made us forget our priorities. 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Assess the Impact of the Suez Crisis on the Conservative Free Essays

Assess the impact of the Suez crisis on the conservative party 1955-1959 The conservative party managed to recuperate after the Suez crisis, which was a major low point in the party’s history. But how could the party bounce back after such a major event? The conservative’s policies changed to cater of everyone with re-established the conservatives as a strong party. The Suez crisis greatly affected the conservative party as a whole. We will write a custom essay sample on Assess the Impact of the Suez Crisis on the Conservative or any similar topic only for you Order Now For an example the lack of trust with the party. Eden secretly colluded with the Israelis, even when this want known by the public the war between the Israelis and the Egyptians looked like a convenient excuse to seize the canal. However aside from this inconvenience the conservative’s social policies had changed increasing the party’s popularity. Such as the economic prosperity at the time. Things such as TVs were becoming increasingly common in people homes. White good such as fridges and washing machines were too becoming increasingly common this prosperity ment people didn’t want change because the quality of life was getting better and there was no need for a change in government. And, as a result of perhaps the most distinctive Conservative policy of these years, home ownership rose from some 30 per cent to nearly 50 per cent, as the famous pledge given in 1950 to build 300, 000 new homes a year was redeemed by Macmillan as Housing Minister after 1951 – giving substance to the great Tory ideal of a property-owning democracy popularised by Anthony Eden after the war, as did the increase in personal savings from under ? 200 million to nearly ? 2, 000 million. Welfarism was also a policy of the conservative party, it ment that the poor were looked after by the government more than before by being provided council houses and of course the free healthcare provided by the NHS. The post-war „baby boom? meant that there was in any case a need for more schools and teachers, but a series of reports arguably both highlighted the importance of education and influenced policy development. The Education Act 1944 had laid the foundations for a system of secondary education grounded in the idea of selection through the „11-plus? xamination, with some children progressing to grammar schools and others to secondary moderns, and in some places technical schools. However, during the 1950s a number of local authorities began to introduce an alternative model, comprehensive schools, but the Conservative Party, including in its general election manifestos in 1955 and 1959 manifestos promised to defend and develop grammar schools. Following the Whi te Paper Secondary education for all a major school building programme took place, albeit mainly of secondary moderns. Within higher education, university colleges such as Sheffield and Southampton were upgraded to university status, and even before the publication of the Robbins report approval was given for seven new universities, including East Anglia, Lancaster, Warwick and York. The economic policy of the Conservative Party is to help create the conditions in which the British people can steadily improve their standard of living. By the end of the decade, things were not going well. Staying in the Middle East had led step-by-step to the confrontation with President Gamal Abdel Nasser in Egypt, and the disastrous decision to seek his overthrow by force in collusion with Israel. The 1956 Suez Crisis was a savage revelation of Britain’s financial and military weakness and destroyed much of what remained of Britain’s influence in the Middle East. In the colonial territories, more active interference in social and economic matters, with a view to speeding the pace of development, had aroused wide opposition and strengthened nationalist movements. The economic policies of the conservative party were unconventional, such as using Keynesian economics, which was more on the socialist side. But sorting out unemployment was one of the reasons the party survived; it made them more popular with the working class. Keynes stated that Unemployment was due to a deficiency in the demand for goods and services. Governments could, by adjusting their own spending, overcome that deficiency. Control of the money supply and interest rates could also influence investment. Macmillan was convinced that this would solve the unemployment. The intervention in Suez was a disaster. US President Dwight Eisenhower was incensed. World opinion, especially that of the United States, together with the threat of Soviet intervention, forced Britain, France and Israel to withdraw their troops from Egypt. In Britain too there had been widespread outrage. A United Nations peacekeeping force was sent in to supervise the ceasefire and to restore order. The Suez Canal was cleared and reopened, but Britain in particular found it’s standing with the US weakened and its influence ‘east of Suez’ diminished by the incident. The Suez Crisis strained Anglo-American relations, but as Cold War Allies in the North Atlantic Treaty Organisation (NATO) they continued to cooperate, and by 1962 Britain had adopted the US Polaris missile system. During the period of opposition between the conservsatives and labour, the feud between the Gaitskellites and Bevanites continued. In 1954 Gaitskell and Bevan ran against each other for the position of Treasurer of the Labour Party, which was seen as a stepping-stone to the position of Party Leader. Gaitskell defeated Bevan. Following Labour’s defeat in the 1955 election, Attlee announced his retirement as Party Leader. In the leadership election, the Labour left rallied around Bevan, while the Labour right was split between Gaitskell and Herbert Morrison. Gaitskell defeated both, gaining almost sixty percent of the vote, and on December 14, 1955, became both Leader of the Labour Party and Leader of the Opposition. Harold Macmillan took over as Prime Minister after Eden had resigned over the Suez crises. Soon after his appointment, Macmillan took part in a Ministerial broadcast so he could introduce himself to the British people. After seeing his performance, Macmillan commented that he had the â€Å"appearance of a corpse looking out of a window† and decided to learn television techniques. With his government losing by-elections and behind in the polls, Macmillan was confident enough to create events for television. During 1959 he visited the Soviet Union and made brief tours of most European countries. In August 1959 he invited the BBC to No 10 Downing Street so a live informal discussion with the American President Eisenhower could be shown on television. Afterwards both leaders went on to a dinner party held in No 10. The broadcast gave the impression of a statesman like Macmillan who was above politics. The following week, Macmillan announced the date of a General Election, which he would win by a landslide victory. Macmillan knew that television was an important part of politics. The conservative party’s reputation declined after the Suez crisis. However the conservative party managed to recover quickly, from foreign policy to housing the party changed radically, incorporating socialist policies such as Keynesian economics and increasing spending on the welfare state. Altogether the socialist side of the party played to their advantage and the party stayed in power for 13 years. The Suez crisis was handled badly by Eden but after his resignation everything improved from housing to the economy. How to cite Assess the Impact of the Suez Crisis on the Conservative, Essay examples

The Nature of Quantitative Research Essay Example For Students

The Nature of Quantitative Research Essay The Nature of Quantitative Research Quantitative Research Defined: According to Huysamen (1997), descriptions of quantitative research typically discern a cycle of successive phases of hypothesis formulation, data collection, analysis and interpretation. Using a deductive approach, quantitative research seeks to establish facts, make predictions, and test hypotheses that have already been stated. A large part of the data analysis of quantitative research is statistical, striving to show that the world can be looked at in terms of one reality; this reality, when isolated in context, can be measured and understood, a perspective known as positivism (Gay Airasian, 1999). Quantitative researchers are those who find themselves treat(ing) their objects of study as having an existence independent of themselves and without any intrinsic meaning (Huysamen, 1997). We will write a custom essay on The Nature of Quantitative Research specifically for you for only $16.38 $13.9/page Order now The Differing Characteristics of Qualitative Research: Somewhat in contrast to quantitative research is the practice of qualitative research. Whereas quantitative research is positivist in its outlook, qualitative research has a non-positivist perspective; this theory holds the view that the world itself is made up of different people with different perspectives and therefore, has many different meanings and contexts. While quantitative researchers work mostly with numerical data, qualitative researchers use mainly non-numerical data such as observations, interviews, and other more discursive sources of information (Gay Airasian, 1999). Another difference between the two types of research is that where quantitative research seeks to find evidence which supports or does not support an existing hypothesis, qualitative designs allow the hypotheses to emer. .vey Isnt Research. Counselor Education and Supervision, 31, 194-195. Gay, L. R., Airasian, Peter. (1999). Educational Research: Competencies for Analysis and Application, Sixth Edition, Upper Saddle River, NJ: Merrill. Huysamen, G. K. (1997, March). Parallels Between Qualitative Research and Sequentially Performed Quantitative Research. South African Journal of Psychology, 27, 1-8. Johnson, R. Burke. (1997). Examining the Validity Structure of Qualitative Research. Education, 118, 282-293. McCullough, Dick. (1997). Quantitative vs. Qualitative Marketing Research. Online. Retrieved September 18, 1999 from the World Wide Web: http://www.macroinc.com/articles/ Urban Wallace Associates. (1995). Quantitative Research. Online. Retrieved September 18, 1999 from the World Wide Web:http://www.uwa.com/marketing/consultants/homepage.htm#Questions

I.T and E Commerce of Hospitality Industry The WritePass Journal

I.T and E Commerce of Hospitality Industry Introduction I.T and E Commerce of Hospitality Industry IntroductionInformation Technology Trends in HospitalityHospitality Organizations the InternetLeicester Marriott  Full Service LodgingSelect Service LodgingExtended Stay LodgingTimeshareTechnologies used at Marriott Hotel DifficultyConclusions Recommendations BibliographyRelated Introduction Here is an attempt to understand and explain the information systems which are been used and how they are useful to the company and what are the drawbacks of those systems, and also how they can try to solve those problems. Hospitality Industry is a very fast growing industry. Every organisation wants to retain and also attract new customers. Information technology used by the hotel is very much important and plays a major role in providing a competitive edge over the competitors. Information Technology Trends in Hospitality Hotel Industry places a great emphasis on the provision of quality service to their customers/guest. There is a great demand for information from customers and hospitality service provider so hotel industry stared adopting computer based IT facilities to enhance its operational efficiency, control and reduce costs, and improve service quality (Camison, 2000; Cobanoglu et al., 2001; Siguaw and Enz, 1999; van Hoof et al., 1996).   By investing   in the IT benefits the hotel by enabling the guest to have a better experience, and also the hotel staff to work more efficiently and effectively to better assist customers. Hospitality Organizations the Internet Many prime hospitality organizations such as IHG group, Marriott International, Royal Caribbean, Jurys Inn, Hyatt International, Ritz Carlton, Hilton Hotel are using internet facilities over the years and have been taking advantage of the Internet opportunity by fully implementing the latest technological systems within their organisations. A new Internet-based procurement system which is considered flexible and user friendly has been implemented by IHG group.   According to the Vice President of purchasing, Steve Shamion, it is important that the system is user friendly for a chief engineer, chef, housekeeper, etc.   As soon as IHG succeeded 500 hotels, it was necessary to get rid of the manual system.   Their main aim was to provide a new Intranet system with a web-based provider. The goal was to implement an Intranet system with a new web-based provider.   The e-mail system is currently functioning efficiently as it alerts purchasing agents to contact suppliers in every case where corporate revises a product.   The new system has enabled the IHG group for excellent quality control.   In this respect, IHG claims that they are able to obtain high quality products at low costs via the Internet. Marriott Hotel and resort has chosen the same Internet provider for its new procurement system. They are analyzing the mechanics of the system as well as the concept of electronic purchasing and the advantages that could be realized by Hotel.   One of the key elements of this research involves the â€Å"user friendliness† of the system.   Another concern is the connection factor.   The system must be reliable in connecting without failure.   The content is another very important requirement.   The suppliers must be able to easily find products on the site.   As for the overall costs involved in the implementation of such a system, it is still unclear.   On a positive note, both IHG and Marriott believe that they will be able to quantify the new system’s effects right away.   By tracking every purchase over the web, this will allow them to record their progress.   In the long-term, as one of the first movers in the hospitality industry, the prediction i s that the overall impact will be positive. Leicester Marriott Marriotts operations can be grouped into the following five business segments: Full-service lodging 65% Select-service lodging 11% Extended-stay lodging   5% Timeshare   15% Synthetic fuel   4% Marriott operates under various different brand of hotel like   Full Service Lodging Marriott Hotels Resorts JW Marriott Hotels Resorts Renaissance Hotels Ritz-Carlton BULGARI Hotels Resorts Autograph Collection Hotels Resorts Edition Hotels Resorts Marriott Conference Centres Courtyard by Marriott Fairfield Inn by Marriott Spring Hill Suites by Marriott Marriott Executive Stay Residence Inn by Marriott Towne Place Suites by Marriott Marriott Executive Apartments Marriott Vacation Club International  (MVCI) Marriott Grand Residence Club The Residences at the Ritz-Carlton The Ritz-Carlton Destination Club Select Service Lodging Extended Stay Lodging Timeshare Leicester Marriott Hotel Overview 227 Bedrooms Mixx Restaurant Tanners Bar Atrium Lounge 21 dedicated meeting rooms Leisure Club facilities Wireless LAN in public areas Car park 280 onsite spaces Marriott International, Inc. is a leading global lodging company that shapes and enables its business through an ambitious program of improvements in technology.   In the beginning of late 1990s, Marriott realized that to be competitive   and lead the future lodging market, it had to upgrade and fully integrate two of its most crucial systems: the Marriott automated Reservation system for Hotel accommodations (MaRsHa) and Marriott’s Internet technology platform, Marriott.com.   These systems, combined with Marriott’s key business and inventory applications and marketing and loyalty programs, comprise a global technology infrastructure that facilitated more than 69.5 million new reservations in 2005, averaging over 190,000 per day, while maintaining availability of better than 99.99 percent.   The updated infrastructure enabled 100 percent growth in Marriott.com sales from 2003 to 2005, logged single-day sales records of nearly $14 million, and led the industry i n online hotel room’s sales. In fact, Marriott’s seamless multi-brand, multi-channel integration enables the company to offer the industry’s only global rate guarantee, the Look No Further ® Best Rate Guarantee, stating that Marriott guests will always get the lowest available rate when booking through any Marriott channel worldwide.   It is a remarkable success story, demonstrating how aligning investments in technology infrastructure with business vision and strategy can enable extraordinary business results and how Marriott leveraged its early investment in ecommerce to set new standards for the global lodging industry Technologies used at Marriott Hotel Company website Point Of Sale-Micros Property Management System-Opera Central Reservation System-Marsha SAP for accounting and Payroll Fire Panel Door locks CCTV Blue Cube -Time Clock (Employee attendance) Cetral Reservation System In todays fast-paced environment, business travellers have enough to be concerned about, without worrying about hotel accommodations. And, it takes more than just hotel rooms to win in the highly competitive lodging business. Professionals want the latest technology at their fingertips, from fax machines to Internet services. Central Reservation System is used to connect to the different hotels of the same group. Currently at Marriott a software called MARSHA is used. MARSHA (Marriotts Automated Reservation System for Hotel Accommodations), according to Rinaldi. MARSHA allows guests to call in at any property and have a reservation agent allocate and book reservations, he explains. The Marriott Rewards System [a point-accumulation program to earn special savings] is also kept on this system so that guests can tabulate their points. All major airlines and travel agencies link into MARSHA by T1 and 56-Kbps connections as well. Micros-Opera Micros-Opera is one of the famous providers of property based system in today’s hospitality industry. Its PMS interface has become a common one within the hotel industry and is used by many as a de facto standard. Consequently, many software vendors use this interface because it makes it more likely that their software will be able to connect to other vendors’ applications. Micros: MICROS 9700 HMS It is the most widely used point-of-sale solution system in the leisure and entertainment marketplace. Built on years of industry experience, the entire 9700 HMS product suite is technology independent, running on MS SQL, Oracle, and Multiple Windows platforms. All 9700 HMS modules are web-delivered and enterprise enabled, making them easy to use while reducing total cost of ownership. 9700 HMS has proven installations ranging from small, specialized operations to large enterprise configurations spanning multiple properties in large geographic areas. Whether you operate one restaurant or hundreds, 9700 HMS has the functionality to meet your needs. Problems with Micros 1)  Ã‚  Ã‚  Ã‚  Ã‚     When the systems crashes down then the checks has to be manually posted which is like duplication of work and time, there are even discrepancies sometimes and in that the company loses the revenue. 2)  Ã‚  Ã‚  Ã‚  Ã‚   If there is a crash, it needs to be done by the help of a main server computer. But if the problem prevails there is a need to contact the vendor for his service. 3)  Ã‚  Ã‚  Ã‚  Ã‚   The micros system sometimes get frozen which affect the overall performance of the server and the team. Difficulty Because Marriott involves representatives from every part of the company in all new initiatives from the very beginning, the company is spared many of the â€Å"growing pains† typically found when implementing large, global infrastructure projects.   The company’s business and marketing managers are technologically fluent and worked closely with the Information Resources and ecommerce departments throughout the process of upgrading and integrating the reservations system and Web presence.   There were, however, two key challenges Marriott faced in its MaRsHa and Marriott.com implementations: availability and scalability. Knowing that Marriott solutions have to be developed, implemented and rolled-out in a 24/7 global business environment, extra attention was paid to maintaining the reliability and availability of ongoing operations.   This was a critical factor in the MaRsHa upgrade, since the reservations system is literally the life’s blood of the company .   Marriott also upgraded both MaRsHa and Marriott.com with leading-edge scalability to support both current and future transaction volumes, and the systems have performed without data loss even as transactions have grown 400 percent over five years.   Marriott’s early commitment to high-performance processing, scalable storage and business continuity made the transition to an integrated reservations/Web solution error-free.Marriott also took great care in test and development before moving new functionality into the global production environment.   eMc’s advanced business continuity software supports the company’s robust testing capabilities, providing an up-to-date replicated copy of the MaRsHa production environment, which facilitates quality assurance, testing and development, without introducing any production performance degradation.   Marriott also creates business continuance volumes (BcVs) from the replicated production data, which are used by developers, for example, to test database applications without affecting either the production or main test systems.   The BcVs enable the creation of more robust development environments, better developer throughput, and the ability to go beyond normal functional testing to bring complex test environments to production and ultimately to market more quickly Conclusions Recommendations Now is the time for hospitality companies to take advantage of the opportunities available in creating a new value added customized online travel shopping experience for customers.   The ultimate trend calls for something comparable to the shopping-bot.   For those who are not familiar with the shop-bot concept, it is meant exclusively for online clothing shoppers who prefer to have a personal agent.   Similar to the shop-bot, the future of the Internet in the travel industry will provide a travel bot who will play the hand-holding travel agent for those that require the most guidance in arranging their travel plans.  Ã‚   This travel bot will create a custom experience that suits the particular customer needs offering a range of services including hotel rooms, restaurant tables, airline seats, and rental cars.   The travel bot will provide advice and recommendations as currently found on GDSs. It is important to take a look at how Internet technology will affect the future of the tourism industry.   Most IT tools are being utilized.   However, there is still much room for improvement in speed, reliability, and adaptation to new technologies.   It is crucial for companies to take advantage of the Internet before the competition.   A solid RD function is one of the elements in this process.   It is pertinent to study the customers and their businesses by encouraging them to fill out a customer’s profile form on the web. It is important to consider how technological drivers will influence changes.   Many traditional small and large players in the industry are having a difficult time adjusting to the changes involved in switching to a full IT based strategy.  Ã‚   This is mainly due to the extent to which the Internet changes how hospitality services and amenities are delivered.   It further alters the organizational structures within hospitality companies and modifies the interaction of the customer and service provider. The hospitality tourism internet future suggests a universal system where property management systems will eliminate the need for expensive on-site computer hardware/software.   The maintenance problems relating to breakdowns, backups, and upgrades will be resolved in an easy efficient manner.   The Internet will control all transactions involving credit card authorization, travel agent commissions, and point of sale transactions.   This will result in fewer problems, a decrease in staff and an increase in profits.   The typical hotel guest will have the option of selecting movies, games, software, shopping and information through voice communication and data/video, all available at a low cost. Future success for hospitality tourism companies depends upon their abilities to identify a target market and the strategic opportunities available for survival and growth.   If data is managed properly, the technology can assist hoteliers and restaurateurs in projecting the lifetime value of guests, creating increased loyalty, resulting in an increase in market share.   The process of mass production has never been accepted in the tourism industry; therefore customized services are a must for survival.   Today’s computer world allows for mass customization in pricing, location, and amenities to a more knowledge-based format.   In this case, marketing and IT departments must work closely toward a merger of core competencies.  Ã‚   The drive toward e-commerce success includes a plan to track surfing and consumption habits such as the buyers, payers, and the return visitors.   Independent consultants are available to provide this data efficiently and confidentially. It is crucial for hospitality tourism organizations to stay on top of the roles of the major online players that are posing a serious threat to the industry such as Travelocity, Priceline, Expedia, Yahoo, etc.   Their role in the future of hospitality tourism marketing is crucial to the survival of Hoteliers.   Hospitality tourism organizations might want to look into the potential of becoming one of the first movers to join the dot com craze.   The already established loyal customer base will allow hospitality tourism organizations to have an upper-hand over general online threats. The customized travel bot could provide the ultimate travel experience of a lifetime for customers in adding the most value, thus allowing first movers in the industry to gain an overall competitive advantage. Bibliography E-Commerce in Hospitality Tourism. 2011.  E-Commerce in Hospitality Tourism. [ONLINE] Available at:  http://gonzales.com.sg/techno.html. [Accessed 12 Feb 2011]. Marriott Internationals Accommodating Network Network Computing. 2011.  Marriott Internationals Accommodating Network Network Computing. [ONLINE] Available at:networkcomputing.com/909/909centerfoldtext.html. [Accessed 21 Feb 2011] Point of Sale Software Enterprise Information System. 2011.  Point of Sale Software Enterprise Information System. [ONLINE] Available at:  micros.com/. [Accessed 18 Feb 2011] Technology Jargon Buster 8/31/2005 Caterer Search. 2011.  Technology Jargon Buster 8/31/2005-CatererSearch  .[ONLINE]Available at :caterersearch.com/Articles/2005/08/31/302345/Technology-Jargon-Buster.htm. [Accessed 12 Feb 2011]marriot.com/ Marriott Global Source. 2011.  Marriott Global Source. [ONLINE] Available at:http://mgs.marriott.com/index.html. [Accessed 16 Feb 2011]

Why Babies Are Born With Blue Eyes

Why Babies Are Born With Blue Eyes You may have heard that all babies are born with blue eyes.  You inherit your eye color from your parents, but no matter what the color is now, it may have been blue when you were born. Why? When you were an infant, melanin- the brown pigment molecule that colors your skin, hair, and eyes- hadnt been fully deposited in the irises of your eyes or darkened by exposure to ultraviolet light. The iris is the colored part of the eye that controls the amount of light that is allowed to enter. Like hair and skin, it contains the pigment, possibly to help protect the eye from the sun. How Melanin Affects Eye Color Melanin is a protein. Like other proteins, the amount and type your body produces are coded into your genes. Irises containing a large amount of melanin appear black or brown. Less melanin produces green, gray, or light brown eyes. If your eyes contain very small amounts of melanin, they will appear blue or light gray. People with albinism have no melanin in their irises at all. Their eyes may appear pink because the blood vessels in the back of their eyes reflect light. Melanin production generally increases during the first year of a babys life, leading to a deepening of eye color. The color is often stable by about six months of age, but it may take as long as two years to fully develop. However, several factors can affect eye color, including the use of certain medications and environmental factors. Some people experience changes in eye color over the course of their lives. In some cases, people can even have eyes of two different colors. Even the genetics of eye color inheritance isnt as cut-and-dried as was once thought, as blue-eyed parents have been known (rarely) to have a brown-eyed child. Furthermore, not all babies are born with blue eyes. A baby may start out with gray eyes, even if they ultimately become blue.  Babies of African, Asian, and Hispanic descent are more likely to be born with brown eyes. This is because darker-skinned individuals tend to have more melanin in their eyes than Caucasians. Even so, a babys eye color may deepen over time. Also, blue eyes are still possible for babies of dark-skinned parents. This is more common in preterm babies because melanin deposition takes time. Humans arent the only animals that experience eye color changes. For example,  kittens are often born with blue eyes, too. In cats, the initial eye color change is fairly dramatic because they develop so much more quickly than humans. Feline eye color changes over time even in adult cats, generally stabilizing after a couple of years. Even more interesting, eye color sometimes changes with the seasons. For example, scientists have learned that reindeer eye color changes in the winter. This is so that reindeer can see better in the dark. Its not only their eye color that changes, either. The collagen fibers in the eye change their spacing in the winter to keep the pupil more dilated, allowing the eye to capture as much light as possible.

Leadership Philosophy Essay Example | Topics and Well Written Essays - 750 words - 1

Leadership Philosophy - Essay Example When a leader has lost the confidence of the team, that leader must resort to the least effective ways of getting things done. Leaders that do not have the confidence of the team must cajole and discipline unwilling employees to accomplish the stated goals of the organization. This creates a toxic relationship on the team. However, if a leader is wise enough to interact with everyone in an atmosphere charged by integrity then trust is built. Trust is one of the most liberating sensations one can experience in the workplace or in our personal lives. I believe that establishing this relationship of trust is essential because my belief is that good leaders lead best by modeling correct actions and allowing their subordinates the freedom choose to follow the effective practices modeled. One of these skills an effective leader can model the strong critical thinking skills. The effective leader must be able to cast aside assumptions about established procedures so improvements can be discovered through the use of a critical eye. Good leaders are not bound by tradition. They do follow established protocols, but are able to look beyond the immediate needs of the team or organization by firmly establishing in their minds what is most important and of greatest priority at any given time. Modeling critical thinking for a leader is essential, because this is the type of skill I expect and employee to possess and to be able to deploy on an independent basis. The good thing about critical thinking skills is they can be acquired. By being in contact often with other members of the team, a good leader can use conversations to help employees evaluate their actions in a given situation that perhaps didn’t work out well due to a lack of critical thinking. These teachable moments are important if a leader is to build leadership capacity in other members of the team. Critical thinking builds on the basis of trust

Francois Truffaut Essay Example | Topics and Well Written Essays - 1000 words

Francois Truffaut - Essay Example â€Å"Tradition of Quality† is the inclination of certain French scriptwriters and directors to mainly depend on literary adaptations to come up with their celluloid works. Although, the term was coined by Jean-Pierre Barrot in LÉcran franà §ais to refer to the inclination of directors like Claude Autant-Lara, Jean Delannoy and Yves Allà ©gret for literary adaptations, and the work of scriptwriters such as Jean Aurenche and Pierre Bost, it was Truffaut who denounced it and opposed it in his journalistic works. (Gonzà ¡lez 2003). Truffaut points out what constitutes â€Å"Tradition of Quality† and why films based on it are only regarded as France’s mainstream cinema. That is, with majority of the prominent French filmmakers and scriptwriters opting for literary adaptations for their films, as part of the â€Å"Tradition of Quality†, and importantly winning accolades including international appreciation for those works, it naturally came to be regarde d as the mainstream French cinema. However Truffaut is totally against this stereotyping of â€Å"Tradition of Quality† as the French cinema and also criticises the creators for forcefully stereotyping it both in the domestic as well as in the international arena. â€Å"†¦they force, by their ambitiousness, the admiration of the foreign press, defend the French flag twice a year at Cannes and at Venice where, since 1946, they regularly carry off medals, golden lions and grands prix† (Truffaut 1954, p. 9). The other key component which constitutes â€Å"Tradition of Quality† and which is also a ‘loose end’ of this concept is the instances of â€Å"equivalence betrayals† during literary adaptations. As part of â€Å"Tradition of Quality† scriptwriters in association with directors will change certain scenes featured in the novels and come up with equivalent scenes in the film’s

Is Modern Britain An Unequal Society?

Is Modern Britain An Unequal Society? Britain is often described as an unequal society however the accuracy of this statement is regularly debated because; the term inequality is very vague as individuals often have opposing views when searching for the meaning. Due to the ambiguity of the word unequal I am going to be approaching the question is contemporary Britain an unequal society from a sociological perspective in order to best describe and explain social inequalities in Britain. The term social inequality from a sociological point of view means a lack of fairness between different groups of people living in society. Through this definition we are able to identify three main categories, in which social inequalities are divided, this occurs through gender, class and race which will be highlighted throughout my essay. The main focus of my essay would be based on the Marxist and Feminist views as they set the foundations to best describe and explain social inequalities. However, there are other sociologists whom also study this topic; therefore I will be examining their views very briefly. Another form of social inequality that occurs in Britain is class inequalities; it is difficult to define this because in contemporary society class is fragmented. However, in order to fully understand class inequalities the concept must be operationalised. There are various sociologists such as Carl Marx who define class inequalities as a group of people who stand in a common relationship to the means of production. Although class is often perceived as a dynamic, fluid, always changing, in Britain there is still a clear class structure in which class is divided. This class structure is often compared to a pyramid which consists of three levels; these are the upper class, middle class and working class, this arrangement is known as social stratification, whereby each level of the formation has distinguishing features in terms of skills, status and income. The upper class consist of a small proportion of members of Britains population; these groups of people tend to have ascribed stat us such as the royal family. However members of the upper class with achieved social status are professionals with high status jobs such as property owners and employers. The middle class are employed in profession, managerial and administrative jobs for example lawyers, these groups of people are often described to have an intermediate class situation. The working class consists of the highest proportions of people in Britains population, the working class members are found at the bottom of the hierarchy, they have the low status jobs which include a complex division of labour. People from the working class groups tend to consist of unskilled workers who participate in manual labour. Although there are the three main layers in Britains class structure is divided the idea of the underclass also needed to be highlighted. This concept is developed by Charles Murray and is often used to describe a segment of the population located at the very bottom of the class structure in which they are marginalised from the rest society. Members of the underclass have very low living standard, they are thought to be relatively deprived therefore explaining why they have the highest rates of infant mortality. The majority of members in the underclass are unemployed and relay on the welfare state, as a result of this dependency the idea of the nanny state was developed. In correspondence to the idea of the nanny state these recent trends show that the top 10% earners get 27.3% of all earning whilst bottom 10% get 2.6%. This trend highlights that there is an unequal distribution of wealth as income is an important mechanism which measures a persons wealth, this therefore shows that social inequalities takes place in contemporary Britain. Marxist sociologist uses these figures to then develop their idea further. They argue that Britain is a capitalist society, whereby the bourgeoisies exploit the working class in order to benefit themselves. The process of industrialisation cause d capitalism to develop further because Britain has moved from a manual intensive form labour to a more capital intensive labour as a result of this development British is often refer to this as industrial capitalism. There is also a clear relationship between class inequalities and education. For example the educational system in Britain has been changed on several occasions in order to prevent inequalities between different social groups i.e. the increase in government expenditure in education allows people from deprived backgrounds to complete higher education for free therefore creating more employment opportunities for them. However, despite these changes class inequalities still exists in the educational system, for example the curriculum is said to have hidden engenders in which favours the ruling class. The reason for this is because the curriculum is made by the upper class therefore favouring upper class pupils for example English exams requires pupils using the elaborated code which is a form of speech which the upper class use therefore giving them a competitive advantage as the working class use the restricted code, this view is also reinforce by sociologist Bernstein. Another common feature of the working class background is material deprivation; as a result of this they are at a drawback in comparison to upper class pupils as they are unable to purchase resources such as extra text books to further increase their knowledge. There are also other areas such as housing and health that put the ruling class at an academic advantage. Another area in which social inequalities arises is through racial segregation. Race was traditionally referred to as fixed biological differences; however over the years this definition has been criticised. As a result of this contemporary sociologist defined race as a social construct based on the observed physical and cultural characteristics of an individual. Race is a term closely linked to ethnicity as ethnic groups are defined by their sense of sharing distinct culture. Ethnic minorities are also said to experiences inequalities, however due to the difficulty in separating the two terms I will be explain how racial and ethnic inequalities should be best described ant see if it still exists in contemporary Britain. There is a general idea that there is a racial division between black and white in Britain, it is argued that ethnic minorities have a minority status in society and are often perceived as second class citizens. However, in certain areas of Britain this type of socia l inequalities has been prevented because of legislations such as equal opportunities acts which protect ethnic minorities from being discriminated against giving them the same opportunities as the dominating groups. Despite the implementation of this legislation, covert racism still takes place. The concept that corresponds with this is institutional racism, where racionalised ethnic groups are systematically disadvantaged, it was recently highlighted in the media (BBC news) that institutional racism still occurs in contemporary Britain within the police workforce, the Macpherson report on the Stephan Lawrence case also show institutional racism taking place. The amount of ethnic minorities that have an established status in the political party is disproportionately imbalanced in comparison to the majority therefore suggesting that overt race/ethnic inequalities occur in British society. Although social inequalities still exist in contemporary Britain other parts of the world such as America are slowly developing, this was shown when the current president Barack Obama was elected. In Britain there is a negative racial stigma attached to African Caribbean families, one of the main reasons is because they have the highest proportion of single parent families. New right sociologist Charles Murray holds a strong view which states that single parent families are the main causes of deviant behaviour and the breakdown of society. On the other hand some sociologist argue due to the rapid technological growth in Britain the media has exaurate crimes that take place within the African- Caribbean community therefore leading to deviancy amplification as a result of this therefore policing within those area have been on the increase meaning they are more prone to getting caught for their crimes in comparison other ethnic groups. It is evidently clear that social inequality still exists in contemporary Britain; however different sociological perspectives explain social inequalities many ways and opposing views on its impact on society. For example functionalist have a positive view on social inequalities, they see it as an enviable part of society, this is because there are different social positions in society which require particular skills therefore, through theses inequalities the correct role allocation are set therefore benefiting society in the long run. Whereas, both Marxist and feminist theories have a more negative approach on social inequities and the effect it has on society. They believe that it has lead to an increase in exploitation of members in society therefore leading to social breakdowns. On the other hand post- modernist take a very different approach as they have a more contemporary view as they believe that the British society is changing as a result of this it is incorrect to say that social inequalities means one thing or social inequalities still exists because it is a complex phenomenon. Therefore in order to fully understand social inequalities we must take the three categories in which social inequalities has been divided into and identify the correlations which they have with one another because social inequalities means different to different people.

Castaway Movie Analysis-Journeys

‘Castaway ‘, directed by Robert Zemeckis, is a 2001 film starring Tom Hanks. Hanks stars as Chuck Noland, a FedEx delivery man whose life is headed in the ‘right direction’, until his plane crashes and he is stranded on an island. He must adapt to his new life on the island; overcoming many obstacles in order to survive. ‘Castaway’ explores three different journeys; physical, inner and imaginative. Chuck Noland is a filmic representation of the philosophy of time equals money equals fulfilment.Zemeckis is deliberate in his obvious manipulation of the responder as he uses a multitude of filmic techniques to create a connection between the audience and Chuck. The physical journey in ‘Castaway’ is Chuck’s struggle to survive all the obstacles of living on the island and his journey to get home. On the island his inner journey of self discovery is about learning what is really important in life. After he returns home he must learn to adapt to normal society and overcome his traumatic ordeal. Chuck’s imagination is also taken on a journey when he creates a companion out of a volleyball, whom he shares all his ideas and secrets with. Castaway’ is a film that is rife with symbolism. The director has purposefully included an array of different signs that convey various meanings and concepts within the film. The first shot of the film is that of an old road and as the camera pans to the left we see a van driving towards a crossroads. Immediately, these images of the road and the crossroads connote that a journey is going to take place. They symbolises that the unknown protagonist is going to come to a point in his life where he will be unable to decide where he is going.As a result of the cyclic structure of the film, we see Chuck both physically and mentally arrive at the same crossroads from the opening scene. As a result of his years spent on the island is undecided about where he is heading so h e pulls over and is given directions. He moves out into the middle of the crossroads and considers which of the four roads he wants to travel; knowing that whichever option he takes will lead to a different destination both physically and internally. The film ends with a close up of Chuck’s face as he gazes down his chosen path.The responder is left in a state of deliberate uncertainty about which path he has chosen. The audience can be certain of one thing; his choices in life will be forever influenced by his ordeal. By leaving the ending open to interpretation, Zemeckis leaves the responder debating over which direction Chuck would have headed both in his car, and in his life. During the film we see the package with the angels wings painted on it frequently. The parcel becomes the first person as we follow it to the destination. This personifies the package and gives the responder the impression that this package will be almost like another character.This package is one th at washes up on the island with Chuck and is the only package he does not open. Wings are symbolic of flying and being lifted. The wings package raises Chuck’s spirits and gives him hope that one day he will be able to deliver the package to its owner. The audience never find out what was in the parcel. This fosters a sense of mystery and intrigue in the responder. Would the contents of the box have changed the outcome of Chuck’s life? Time is a motif that is heavily emphasised in this film. Clocks are effectively placed in the mis en scene, demonstrating that Chucks’ life is controlled by time.He believes organisation and time management is the key to his happiness. The gift his girlfriend, Kelly, gives him is a pocket watch with her picture inside and it is one of his only possessions on the island. While on the island the importance he placed on time fades, as his life is now run by nature. He finds himself alone with a limitless amount of time but with nothi ng to do during it. He stares at the watch for long periods, not because of time but because of the picture of Kelly in it. Like the wings package she becomes his symbol of hope and his motivation to get off the island.His determination and faith serve to evoke optimism within the responder and it gives them hope that Chuck will continue to survive until he gets off the island. The impact time has on his life is also evident when he is admonishing FedEx employees. He states â€Å"We live or we die by the clock. Never allow ourselves to commit the sin of losing track of time. † He says the same thing to the volleyball, Wilson, when he is planning their escape off the island. The context of when he says it changes the meaning of this quote.The first time it is said he is passionately trying to get workers to be more efficient and the quote is an exaggeration. The second time Chuck makes this remark, death is actually a serious option. Although the timing of his escape is import ant to him, time is not what is driving him anymore, instead his desire to get back to Kelly. The volleyball, Wilson, becomes Chuck’s only companion on the island. Wilson is Chuck’s need for companionship personified. Wilson is a part of Chuck as Wilson’s face is made of his blood and is the physical manifestation of Chuck’s mental state. â€Å"I know you. Chuck repeats to Wilson and this signifies that Chuck is aware that Wilson is a part of him while demonstrating Chuck trying to reassure himself of who he is. When Wilson is lost at sea, Chuck is devastated at losing his ‘friend’ and one of the only things kept him sane on the island. Chuck’s palpable anguish evokes sympathy and grief within the responder. Chuck’s physical journeys are common and the directors’ choice of having him works for FedEx is intentional. The scene where the audience is shown photographs of him with various modes of transportation also indicate that Chuck is a well travelled man.However, he does not understand what life is really about. It is not until he is stranded physically that his inner journey begins and he realises what is really important in life. This concept forces the responder to ask themselves whether what they value most in life is really all that important. The use of diegetic and non-diegetic sounds is particularly effectual in contrasting Chuck’s life on the island with that of his old life. For the whole time that Chuck is on the island only diegetic sounds such as waves, wind and thunder is heard.The sounds of wildlife have been cut from the scene also. Zemeckis has done this to highlight the fact that Chuck is completely isolated. The first non-diegetic music we hear is when Chuck is watching the island disappear in the mist as he rows away. Even without the visual we know that Chuck is now leaving the island. The lighting in ‘Castaway’ is central in showing Chuck’s isolatio n on the island. During storms, especially the initial one which causes Chuck’s plane to crash, lightning and moonlight is all the light used in the scene.The lightning during the storms is hard key lighting and creates a sense of fear danger on screen and amongst the audience. The shadows that are cast on Chuck’s face from fire light and lightning show his vulnerability and panic. Zemeckis uses over the shoulder shots and close ups frequently on the island. This is done so the responder feels as though they are on that island with Chuck. The point of view shots that are used on the island are particularly useful in showing Chucks’ isolation. At numerous points we see the vast expanse of ocean through Chuck’s point of view.This technique once again highlights his loneliness and desperation to find another living companion. The bird’s eye view shots show Chuck, alone, surrounded by nature, highlighting his solitude. Panning camera movement is used r epeatedly to introduce the viewer to the landscape of the scene. Zemeckis uses zoom to focus the responder’s attention on Chuck which enables them to discern his emotions from his facial expression, rather than dialogue. There is minimal dialogue used in ‘Castaway’. This is again used to demonstrate the characters segregation but it also serves another purpose.Minimal dialogue places greater emphasis on the other devices such as camera usage, music and lighting and it relies on these devices to convey the journeys. The 2001 drama film, ‘Castaway’ is an excellent example of a film encompassing physical, inner and imaginative journeys. The director, Robert Zemeckis, has exploited numerous filmic devices to allow the responder to experience the film as though it were reality. His effective use of symbolism, camera shots and angles, sound and lighting influences the responders’ view of the film.

Financial Planning - Free Essay Example

Sample details Pages: 19 Words: 5668 Downloads: 2 Date added: 2017/06/26 Category Finance Essay Type Research paper Did you like this example? PREFACE We know that the conditions of an economy do not remain static. The factors which influence it keep on changing. The rate of flow of funds also, changes with time in an economy, so people have funds available in different strengths at different moment of time. Don’t waste time! Our writers will create an original "Financial Planning" essay for you Create order It affects the lives of people living in that economy because to satisfy their needs they require funds. People always feel a gap, positive or negative, between their needs and required funds. So they do their financial planning. In this project we have tried to find and analyse how and in which ways people are doing financial planning in the prevailing market situations. We have also tried to find the awareness of people about current market situations, awareness of financial planning among them and their interest area of investment. INTRODUCTION Financial Planning is not a very new concept in India. It had been in practice in earlier social systems also. In the past also, people used to do this in some ways. They used to purchasing pieces of land, jewellery and keep these with them for their bad days. Some of them kept their saved money with so called ‘Mahajanas who used to acting as banker. Though people in the past were involved in some kind of activities related to their financial planning, yet they were not very conscious and aware of the thing and were not doing this very actively. It was so because the joint family system was there in the society and also the economic conditions, in the country, were almost static and not as turbulent and volatile as in current scenario. So people did not feel so much insecure. But after industrial revolution, things started to change. People started to move towards cities in searching of new earning opportunities. This leaded to a dynamic economic condition in the cou ntry and a change in family structure in the society. This thing has been continuing for years in the country and today we can observe increasing number of nuclear families and varying economic conditions here. The needs of a person and his consumption habits have also changed significantly. Further, the priorities and these needs of a person also change with change in his life stage. So financial planning has become more relevant and important in current market scenario. But, How many persons are there who understand the meaning of financial planning? How many of them are actively doing it? In which ways are they doing their financial planning? These are some questions we need to find answers so that we can conclude to a result and can act accordingly. We have tried to find the answers of these questions in this project. Personal Financial Success: The Six-Level Pyramid Personal Financial Success: The Six-Level Pyramid Using the six-level pyramid to help explain the various building blocks to financial success helps to reveal the development of financial planning and indications, at each level, if instruments that might be considered. At the first level of the pyramid, there are four stages that need to be considered. Before any phase of an action plan can be implemented, an individuals current situation must be determined. One must evaluate their personal income because the amount of money a makes directly affects the amount that person can save. After all debts and living expenses are subtracted form income, one can know how much to put in savings every week, month or year. The amount one puts in savings is very important. This will have bearing on a spouse, children, and retirement life. Saving money should become a top priority in the financial planning realm of life. Goals are another important factor in financial planning. Without goals, a person has nothing to strive for, nothing to loo k forward to. This should come with ease during the implementation of a financial action plan. Career choice plays a major role in ones ability to live at a certain level in society. There are many factors to consider when making a career choice. They include personal factors, social influences, economic conditions, and trends in the industry. A person must consider these things when deciding on a career if they want to have long-term success in any given profession or calling. Keeping good records and being organized is a necessity for a person with a successful financial action plan. After receipts have been found, invoices filed, and check numbers recorded, one can develop a budget. A budget simply allocates income to different areas of spending. For example, one family may spend two hundred and fifty dollars per week on groceries, while another only spends one hundred per week. A budget can be done on a weekly, bi-weekly , or monthly time frame basis. An important part of an overall budget is taxes. Taxes, in general, include federal and state, occasionally county expenses on land ownings and other purchases. A person should be fully aware of how to calculate their taxable income and on how to get help with taxes. The second level of the pyramid involves managing. The absolute first way to begin with money management is to get the money out of a pocket ( or from under a mattress ) and put it into am interest-bearing account. Before this can be done, however, the best bank suitable to a persons needs mus be located. To do this, one must evaluate the different banks rates, fees, and other factors such as number in branched in the area and the services offered. One should examine the gains and losses of having a checking account as well. Credit is a way of life for million of American today. In my opinion, one must be very cautious when choosing whether or not to use consumer credit. There are almost always hidden costs and consumer traps ready to suck a trusting person in. One should be aware of possible credit mistakes and try their best to avoid them. Also, spending far above ones personal income level can become a major problem if taken advantage of. In the market for loans, the most enduring statement is to â€Å"Shop Around!† A person will never know what could be gotten until they try to look for the best deal. One should be aware of the fluctuation of interest rates and the affect that they will have on the principle amount of money borrowed. The third level of the pyramid illustrates the major purchasing decisions in life. Should I buy that shiny new Mustang on credit or save that money for a down payment on a home in a nicer neighborhood? The allocation of personal funds is one of the most harrowing sets of decisions a person will ever make. The decision to purchase a home is in this set. This will probably be the most expensive purchase one will ever make. One should be sure that the purchase of a new home is not outrageously out of his or her income range and that it meets all of their needs. The second most important purchase would be that of a new vehicle. A car purchase can be an exciting time. Since cars are seen as status symbols in society today, most people attempt to buy one that they cannot afford. This can be ruining to credit and make daily expenses much harder. Day to day existence in todays society can be dangerous if a person does not have adequate insurance coverage for self, spouse, and children ( if any ). The fourth stage of the pyramid deals with the adequate amount of insurance. How much is too much or too little? Risk management is a major factor in this. For example, a race car driver is not going to get a good a rate of insurance as a middle aged accountant. Factors such as car accidents, speeding tickets, safety measures taken, and daily activities such as smoking or drinking all affect the amount different types of insurance will cost an individual. After life insurance, I believe that the next necessity is to have automobile and home insurance. These are the two most likely things that someone might have to call on insurance to cover. Health care and disability insurance truly comes in to play when one has a family, nut possibly when single if severe illness occurs frequently. Finally in the fourth level, a value must for life insurance must be chosen. This is directly affected on who will be left depending on money received from your life insurance. This insurance money can be left as a legacy, as a help for funeral expenses, or even a gift from the deceased. The fifth stage of this financial planning pyramid is about investing. There are four fundamental ways that one can invest. They are stocks, bonds, mutual funds, and real estate. Stocks are divided into two main categories, common stock and preferred stock. Common stock makes money by dividing the value of an investment three ways: income from dividends, dollar apprec iation of the stock value, and stock splits. Preferred stock is similar to common stock. However, with preferred stock, the investor receives his/her cash dividends before the holders of common stock receive theirs. There are a number of factors that enable investors to evaluate the value of any certain stock. One can read daily newspapers, and gain information from professional in the stock market field. Bonds are divided into two main categories as well. A corporate bond is a corporations written pledge to repay a specified amount of money plus interest gained over a specific period of time. This total is referred to as the face value of the bond. Corporations issue bonds in order to have available monies to finance expansions, takeovers, etc. This is referred to as debt financing for a corporation. The other type of bond is one that is issued by the federal, state or a local government agency. The bonds that the federal government sells are referred to as treasury bills, notes, b onds, or savings bonds. These are used to finance the national debt and for the governments everyday activities. A municipal bond is one that is issued by a state or local government. All three of these types are said to be generally risk-free. As a financial planner, I would advise my client to seriously look into bonds. Mutual funds are unique in the fact that there is diversification of the purchased portfolio. A persons money goes into a large pool, which a company then invests in many different stocks. The last type of fundamental investing is Real estate. There are different types of real estate investments. For example, your home can be an investment if handled properly or one can purchase commercial property for resale only. The sixth and last stage of the pyramid involves retirement and estate planning. Taking steps now to ensure that a person has money during retirement is particularly important. This should be linked in with the amount of money chosen to save in part o ne of the financial planning program. Last of all, one must know a little about estate planning. There are legal and personal aspects of this matter. â€Å"Estate planning is the plan for the disposition of ones property during ones lifetime and at ones death.† Legally, everyone needs to have a last will and testament to ensure that their properties are distributed accordingly. A lawyer usually needs to be consulted on this matter. In summary, the most important aspect of financial planning is just what it states-PLANNING. A great deal of money can be gained and saved if the correct methods are incorporated into a persons everyday life and activities. OBJECTIVES We have conducted the study taking following objectives in our concern: To understand customers awareness about current market/ economic scenario. To understand customers awareness about financial planning. To understand how customers do their financial planning. Capture reasons for doing / not doing financial planning. Understand the key areas where investments and savings are made and rational reasons behind the same. Review of Literature Jim Gewert Named Executive Vice President of Worldwide Finance, Planning and Systems for Warner Bros. Home Entertainment Group An industry leader since its inception, WBHEG oversees the global distribution of content through packaged goods (Blu-ray Disc and DVD) and digital media in the form of electronic sell-through and video-on-demand via cable, satellite, online and mobile channels, and is a significant developer and publisher for console and online video game titles worldwide. AGL Resources; AGL Resources To Webcast 2010 Annual Meeting of Shareholders on April 27 During the meeting, AGL Resources Chairman, President and Chief Executive Officer John W. Somerhalder II will provide an update on the companys financial and operating performance and its business strategy. 2010 MAY 1 (VerticalNews.com) AGL Resources (NYSE:AGL) will webcast its annual meeting of shareholders on Tuesday, April 27, at 10 a.m. Eastern Daylight Savings Time. During the meeting, AGL Resources Chairman, President and Chief Executive Officer John W. Somerhalder II will provide an update on the companys financial and operating performance and its business strategy. The meeting will be held at the AGL Resources corporate headquarters at Ten Peachtree Place in Atlanta. Solutions Financial, Llc; Actfinancially.com Launches Personal Financial Planning Website The site includes personalized financial planning, budgeting, goal-setting tools and reports, a library of information and resources, blogs, tips, financial coaching help to manage money and community features such as forums, message boards and live chat for guidance and support. Financial Planning Steps Needed Now to Prepare for Health Care Bill Outcomes â€Å"Even though the bill is still a few years from implementation, its not too soon to consider several financial planning strategies now to mitigate significant tax increases for the wealthy and the potential for increased borrowing costs for earners of all income levels,† Kahler advises. Walking the Walk: A Financial Planner Teaching His Children In an interview, Daniel M. Stern, CFP, with his children, Lily and Benjamin, talked about financial planning for his kids. Stern said theyve been doing it two years now, since right after they talked. Looking at the idea of an allowance as something you give to the children; you dont base it upon work that theyre doing. Its so they can learn how to handle money and get a sense of the value of money and what can be done with it or not done with it. When it came to charity, they were trying to do it every week, but its not that big of an amount to give. Ben thinks its great. It gives them experience to know how to handle money. Lily also thinks its really good. Stern added that toward the last part of the year they had to adopt a spending moratorium. He thinks in todays society theres a huge amount of materialism. Lessons from Her Father Its no surprise that 30-year-old Kimberly Allman has her finances in order. Her parents guidance dovetailed with her own financial self-discipline. A Cornell Law School alum, Allman uses her financial sensibilities in two jobs: as manager at a nonprofit that helps homeowners avoid foreclosure, and as president of Allman Financial Planning LLC, her own personal finance consultancy. Allmans father helped to shape her relationship with money. Allman who is single, now follows her fathers example when she doles out advice to clients regarding debt, credit scores, and investments, among other concerns. In addition to her law degree, Allman has a bachelors in psychology and political science from Duke University, and shes set to receive a certificate in financial planning from Boston University this spring. While in school she avoided frills and kept expenses to a minimum. To reach her current level of financial security, Allman resisted shopping for handbags and jewelry. Money on Your Mind: The Brains Role in Financial Decision-Making The sophistication of modern civilization masks the fact that the brains have evolved little since the Stone Age. The neural programming of human beings was optimized for physical survival, not contemporary challenges such as financial decision-making. The human brain has separate, dedicated centers for coping with situations that present imminent danger or attractive rewards. When triggered by highly stimulating personal or financial events, these centers can cause the brain to react reflexively, dampening the ability to think analytically. Technology gives people ready access to their credit, savings, and investment accounts. Unfortunately, this access makes it easier for people to act upon impulsive financial decisions. This paper examines a case study to demonstrate how perceived financial dangers or rewards can unconsciously trigger emotions that override their rational decision-making. Financial planners also can help their clients develop new methods to read to financial sit uations in a more analytical manner that is consistent with the clients primary values. A House Divided: Americans Have Two Distinct Views Of Retirement â€Å"The financial turmoil of the past few years has taken a huge toll on Americas confidence about the future and apparent readiness for retirement,† said Jamie Ohl, senior vice president and director of The Hartfords Retirement Plans Group. The Planning Dynamic â€Å"But The Hartfords research shows that people who have taken the time to plan their retirement are generally in a better place financially and are significantly more optimistic about the future than those who have not planned,† Ohl said. OppenheimerFunds Survey: When It Comes to College for Their Kids, Women Drive the Planning Process But Many Take a Back Seat on Finances Later College funding is an issue for women in college, after college and for decades after, for both parents and students alike. â€Å"Because women outnumber men on college campuses by a factor of almost three to two, women pay the price literally and figuratively for poor college financial planning, frequently dropping out or graduating with debt that can cast a shadow over much of their adult life, affecting even their ability to retire,† Winn said. The Financial Planning Association(R) of Arkansas iShares* Make $20,000 Contribution to Arkansas Aspiring Scholars Matching Grant Program For more information about the iShares 529 Plan, contact your financial advisor, call 1-888-529-9552 or visit www.ishares529.com to obtain a Program Description and Participation Agreement which includes investment objectives, risks, charges, expenses, and other important information; read and consider it carefully before investing or sending money. If you are not an Arkansas taxpayer, consider before investing whether your or the designated beneficiarys home state offers any state tax or other benefits that are only available for investments in such states qualified tuition program. Methodology is a strategy that guides a research in providing answers to research questions and for which, research survey is being done. This study has been carried in the following manner:- Methodology Adopted Questionnaire Design: The questionnaire was prepared covering the details about the client and the above objectives. The questions were designed in an easily understandable way with the help of (Miss. Nancy sahni) that the respondents may not have any difficulty in answering them. The questionnaire also contained a comments section. This section was included so as to get opinion of the people. Random Sampling: Sampling can be defined as a part of population. Thus random sampling may be defined as the selection of a portion from the whole population in which each elements of the population has an equal chance of being selected. In this research survey people were surveyed at random to get the relevant information. Sampling Techniques: The sampling techniques used in this project are probability sampling techniques and the methods used in cluster sampling. Sampling Unit: The respondents who were asked to fill out questionnaires are the sampling units. In this survey these comprise of Govt. Employees and Self Employed persons. Sample size: The sample size was restricted to only 100 people between age group more than 25 years which comprised of mainly peoples from the area where the survey was conducted. Data Collection: Structured Questionnaire: In this part of data collection, structured questionnaire was used as a tool by asking a set of standardized questions which answers we needed to know. Interpretation: Interpretation refers to the task of drawing inference from the collected facts after an analytical study. The simple statistical tools are used to analyze the data collection. Bar Graphs and pie chart have been used to illustrate the findings diagrammatically. The survey was conducted in a village BEAS and Mehru which is situated in kapurthala district in Punjab. Though it is a town of almost 40,000 people yet its market caters the need of a large customer base which comprises of people, in addition to the town people, living in several villages that surround the town. It is situated near the BEAS river and second near Phagwara, so people from other side also come here for shopping. This is a reason that a big part of population here is involved in business and related activities. A good number of service class people are also present here, because of working of several Government organisations in the town. Block Office, Subdivision Office, Seema Suraksha Bal, Registratio n Office, Banks, Food Corporation of India, Irrigation Department, Public Work Department, Govt Schools, Municipal Office and also some other departments are working here. In financial institutions here these are present: State Bank of India (CBS) Punjab National bank of India (CBS) Bank of India Life Insurance Corporation of India ( Satellite Branch ) Bajaj Allianz LIC Co LTD ( Branch Office ) Rahika Co-operative Bank ( Branch Office ) Sahara India ( Branch Office ) Some other institutions like Birla Sunlife, Reliance Life Insurance, ICICI Prudential also work here controlling their activities from Main branch. LIMITATIONS The report is prepared on the basis of responses given by the respondents and is confined to the area of survey, so it does not necessarily show a pattern applicable to other areas also. Some respondents were reluctant to divulge personal information which can affect the validity of all responses. In a rapidly changing environment, analysis on one day or in one segment can change very quickly. The environmental changes are vital to be considered in order to assimilate the findings. Financial Planning in the Current Market Scenario In recent years, the recession caused by the US subprime housing loan crisis had shaken the world market. India was also affected by this to an extent. Export Import sector, IT sector, Real Estate sector, Banking sector and also some other sectors experienced a downturn. As a result, the industrial production decreased resulting in lower GDP growth rate. This situation has shown some improvement in the current fiscal year, but lower output given by the agriculture sector has again not allowed the common man to breath easily. A mountain high inflation rate of almost 20% and sky touching food prices have disturbed the portfolios of investors across the country. Many of the investors are getting returns 2 to 6 times lower than the inflation rate. A challenge has been imposed on them as their invested money is devaluating with time. We always need returns which can beat the inflation. For this, we need to keep an eye on different factors affecting the value of our invested money . Active financial planning helps us in doing so. When I went in market with my questionnaire for collecting these related information, I observed these things: Customer awareness about the current market / economic scenario: put some simple questions to measure the level of awareness among customers. I asked them to use a term for Indian economy, to tell about their saving account interest rate, to select an investment option among some given alternatives which, according to them, carries higher rate of return, and to tell where the BSE sensex had been during last one week. When asked about Indian economy, 86% of the people said it is developing, 9% said it is developed and 5% could not say anything about it. About their saving account interest rate 41% said it is less than 2%, 32% said it is 2% 3%, 13% said it is 3% 4%, 4% of them said it is more than 4%, 10% of the people do not know what they are getting on their money kept in their saving account. When asked to select an investment option with higher rate of return among directly saving into banks, Term Deposits, Post Office Savings and NSC, 36% answered as saving directly, 32% as term deposits, 14% said it is Post Office savings and 18% expressed no any idea about it. None of them went with NSCs. Only 14% of the people were able to say about the BSE sensex correctly, the answers of 18% people were wrong whereas about 68% people cannot say anything about it. Customers awareness about Financial Planning: I put forward two questions to know this: If they understand the meaning of financial planning If yes, what financial planning is, according to them For the first question 95% people responded as ‘Yes, they understand the term; 5% expressed their ignorance. Among these 95%, 57% of the people have an idea that saving money in banks is financial planning, 24% said as projecting your future expenses and managing funds accordingly is financial planning, 9.5% were agree with the idea that arranging money when it needs is financial planning while the same 9.5% could not say anything. Customers awareness: First four questions of the questionnaire were carrying questions to know about the level of awareness among the customers. In these questions 86% of the people responded correctly for the first question, 13% for the second question, 32% for the third and 14% for the fourth. Some of them responded correctly for all the four questions, some responded for three questions correctly, some for two, some for one and there were also some people whose none of the answers were correct. After studying these and evaluating customers responses, I have divided the whole customer group into four categories: Highly Aware Moderately Aware Satisfactory level of awareness Not Aware According to their number of correct responses 9% of the people were found to be highly aware, 11% were moderately aware, 27% had satisfactory level of awareness and the rest 53% were found to be not aware. Customers awareness about Financial Planning: In the survey 95% people responded as ‘Yes, that they understand the term Financial Planning; but among these 95%, 57% of the people have an idea that saving money in banks is financial planning which is not a proper view, 9.5% thinks arranging money when it needs is financial planning which definitely could not be the meaning of the term, and 9.5% could not say anything. Only 24% of the people said as projecting your future expenses and managing funds accordingly is financial planning, this is an expression which we can agree upon. So we can say that 24% of the people are really aware of the term Financial Planning. Reasons for doing Financial Planning: In the survey it was found that all the people are doing their financial planning in some ways for some reasons. The study shows that 59% of the customers do financial palnning to meet their future expenses, for 45%, to secure their family is primary motive behind their financial planning while 4% of them were doing this for both the reasons. None of them were doing this for creating wealth. So we can say that in this area the main objective of the people behind financial planning is to meet their basic as well as security needs. Key areas where investements and savings are being made: After survey I found Gold, Insurance, Fixed Deposits, Post Office Savings, Land and Properties, Shares and Mutual Funds as the key areas where people are investing and are putting their savings. I have analysed these key areas of investments and reasons behind these. In the survey 86% of the people suggested that Fixed Deposits are good instruments to invest in. 61% among these gave safety as a reason behind it while 39% said that FDs carry good returns. Only 14% said that in FDs one should not invest. They believe that these do not carry good returns. On a whole 50% of the people believe that FDs are safe, 31% believe that they provide good returns while for 19% of the people they do not do so. 77% of them have invested in FDs. Post Office savings: Here also 86% of the people were in favour of this instrument with 62% having the view that it is safe, 38% of these like the return. 13% of the people do not like to invest in PO savings as they do not consider that PO savings offer good return. 1% of the people have no any idea about it. On a whole 57% of the people believe that PO savings are safe, 29% say they provide good returns while for 14% of the people they do not do so. 59% of them have bought PO savings. Land and Properties: As the survey says this sector is the most favourite sector where 96% of the people like to invest among whom 76% believes that these provide good returns and 24% consider these safe. Only 4% of the people do not believe that these provide good returns and do not want to put their investment in these. Gold: According to the survey all the people are buying Gold, but only 14% of the people are buying this as an investment, rest of them are buying for their family needs. Insurance: Survey says 91% of the people have bought the insurance. It also says that people have different reasons to buy an insurance. Some of them have bought it to cover themselves, some of them have used it as a tax saving tool while some of them have taken it as an investing instrument which will earn some return for them. Some people have more than one reasons for buying an insurance. According to survey, 45% of the people have taken it only to cover themselves, 4.5% of them have bought it for the purpose of saving taxes only and 9% of them have taken it as an investing instrument which will earn some return for them. 14% of them have bought the insurance with all the three reasons in their mind and their risk coverage as their primary motive. 9% of the people have taken it for two reasons to cover themselves and as an investment while 5% have taken it as a tax saving tool and as their risk covering instrument. So we can say that a large number of the people in this area buy insurance as a risk covering instrument only. Mutual Funds: 1% of the people said that we should invest in mutual funds, 36% said we should not and 23% of the people could not say anything. 32% of the people see mutual funds as a good instrument to invest in because they believe that it provides good returns, 9% believe it is safe. Those 23%, who do not want to invest in mutual funds have a view that mutual funds do not provide good returns. In the survey it was also found that only 9% people have invested in mutual funds and a large part of population, 91%, have not invested. Among those people who have not invested 75% said that they do not know what are mutual funds, what do they do and how one can invest in these. 10% feel that here buying facilities are not available for mutual funds and 15% have other reasons. Shares: For shares 46% of the people were agree with the idea that we should invest in these, 50% said we should not and 4% of the people could not say anything. All 46% of the people, who like to invest in shares, want to do so because they believe that it provides good returns, no one was there who believed it is safe to invest in shares. The 50%, who do not want to invest in shares, have a view that investing in shares is not safe. Here it was also found that 18% people have invested in shares while, 82% have not invested. Among those people who have not invested 68% said that they do not know how to invest in shares. 18% feel that here buying facilities are not available for shares and 14% have other reasons for not buying. Preferred Area Of Investment according to Different Income Group: In the survey only three income groups were found. Their preferences are shown in the following diagram: CONCLUSION After studying and analysing the collected information, we have reached at following things: About customer awareness of current market / economic scenario: A large part of the population (almost 80%) is not aware of the finance related things. Only 20% of the customers were there who can be said aware of these issues. Customers awareness of Financial Planning: Though 95% of the people responded as they understand what financial planning is but only 24% of the customers were agree with the view that it is something related to making a projection of your future expenses and then managing the available funds in such a way so that those expenses could be meet. So we can say that only these percentages of people are aware of Financial Planning. How customers are doing Financial Planning: 86% of the people are doing their financial planning by using their own knowledge and experiences, 14% people take experts advice before investing. Reasons for doing Financial Planning: Meeting with their future expenses is the prime motive of people for doing financial planning, security is secondary. No one is doing this for creating wealth. From this we can conclude that people are concerned more about their basic and security needs than their esteem needs. Key areas where investments and savings are being made and reasons behind this: Gold, Insurance, Fixed Deposits, Post Office Savings, Land and Properties, Shares and Mutual Funds have been found as the key areas where people are investing and are putting their savings.Large number of people have invested in FDs, PO savings, Insurance and in Land and Properties. Gold is still being purchased mainly as a need, not as an investment. People are still not aware of mutual funds and trading in stock market. Reasons: Most of the people are safety concerned and they have lower risk appetite. So they have put their savings in instruments from where the return is guaranteed. From this survey it was also found that a large part of the people here does not know about mutual funds and about trading in stock market. So, the market in this sector here is untapped.