Fraud Management An Architectural Insight - 1144 Words

Fraud Management - An Architectural Insight Introduction Fraud is like Love. Many believe they are immune to it. Yet they make themselves available, to fall into. Successful fraud gives a new high for the fraudsters and sleepless nights for the organizations running after securing the wealth. This rush to secure the Holy Grail from reaching the fraudsters also causes a high for a broader section of the ethical technical audience who strive to ring fence their organizations. It is quite a feat to think through the various loop holes to ensure that no repeatable fraudulent pattern is left un-scrutinized. An attempt has been made in this article to address available technologies to fend off Fraudsters, and the architectural insight needed†¦show more content†¦The outcome of improper fraud detection or a false positive would result in Poor User Experience, Customer Dissatisfaction and Lack of Focus eventually resulting in impact to bottom line. Lifecycle of Fraud Detection Effective Fraud and risk management in any retail organization has various facets to it depending on the entities needs and market place demands. Predominantly it can be categorized in to following phases2 Assess Risk Assess the risk associated with the identified fraud. Associate the risk with a dollar value – to estimate the loss it causes to the organization. Identify the scope of analysis depending on the organizations’ risk appetite, profile the current state of fraud management and well define the requirement that needs to be addressed. Design Design the controls that prevent the detected fraud and reduce the analyzed risk. The design should not only react to the ongoing fraud, but also proactively detect any further anomalies with similar pattern across channels. Implement Deploy and Implement the design across the channels and assign a single unit responsible for fraud and risk management across the organization. This unit should be responsible for both proactive and reactive fraud prevention and risk analysis. Associating a single unit, lets the unit champion the fraud rule management and helps preserve the confidentiality associated with the execution of the rules, thereby preventing insider fraud. Simulate Simulate the rule

Higher Education For International Students - 998 Words

Higher education in the UK has probably become one of the most popular choices for international students. The study devoted into the experiences of the international students report that the phenomenon of culture shock as a part of challenges could be troubling them (UKCISA, 2008). Whereas, the students who come from developing countries responded that the higher education in the UK would extend work field as well as the effect of social cognition (Mazzarol and Soutar, 2002). Hence, it will be discussed in this essay whether opportunities outweigh the challenges by analyzing the phenomenon, reasons and drawing the conclusion. 2.0The opportunities for international students In the UK, a pluralistic country, there is diversified culture promoting to the cultural communication. â€Å"Over 60% of the survey respondents reported their agreement that the UK was a tolerant society, with more than on in 10 (12%) indicating strong agreement. †(Schweisfurth and Gu, 2009) Not only possibly could it broaden horizons of the international students, but also improve their learning skills. 2.1Broaden horizons through multicultural society Multicultural means including multiple people who have varying manners and faiths (Cambridge dictionaries online). In 2004, UKCOSA did a survey was reported that over 50% of respondents looked forward to getting more opportunities to experience the culture in UK (UKCOSA, 2004). Firstly, studying in a multicultural country like the UK is an excellent chanceShow MoreRelatedInternational Students And Higher Education958 Words   |  4 PagesInternational Students is rising in the U.S. It is obvious that due the declining education funding and drooping domestic student enrollment have forced many U.S. colleges and universities to adopt new revenue strategies and attracting international students seems a reasonable solution. This strategy aims to bring more revenue to the institutions as well a more diverse environment through a greater diversity of languages, cultures, and perspective in the classroom. According to Global Student MobilityRead MoreInternational Students Pursuing A Higher Education Essay1562 Words   |  7 PagesIntroduction: The semester long research project that I have chosen deals with international students pursuing a higher education in the United States. According to the IIE, International Institute of Education, the majority of international students come from asian countries and have been populating the US through a variety of study fields leading to eventual, desirous opportunity to continue living in the US. The issue revolving around this topic that goes unnoticed includes: social stigma, racialRead MoreThe Challenges Facing International Students in Higher Education1294 Words   |  6 Pageschallenges facing international students in higher education and suggest some possible solutions. Tutor Name: Kinga Maior Student ID Number: 2060494 Date of Submission: Thursday 2nd May 2013 Word Count: 1,004 The number of international students studying in the UK has soared over the past decade due to globalization. Paige (1990) defined International students as those individuals who temporarily lived in the foreign countries and received the education as exchanged students. The main reasonRead MoreThe Challenges Faced By International Students In Higher Education852 Words   |  4 Pagesenrolment of international students in Canadian institutions, internationalization has become one of the key aspects of higher education in developing its intellectual property, more mainly due to political and economic reasons (Altbach Knight, 2007). Canada is perceived to be â€Å"one of the most trusted in the world† as a destination of choice with its high-quality education in a welcoming multicultural environment (Global Affairs Canada, 2014). A study conducted by Canadian Bureau for International EducationRead MoreAnalyzing The Findings Of International Students Challenging Experiences Du ring The American Classroom Setting On Higher Education1587 Words   |  7 PagesFindings The purpose of this qualitative study was to report the findings of international students’ challenging experiences in the American classroom setting in Higher Education. The activities include, but are not limited to, classroom discussions, and interactions with professors. For the purpose of this study, classroom practices in institutions of higher education in the United States are identified as a group of activities that take place in a classroom setting. After analyzing the interviewsRead MoreAustralia s International Student Market1420 Words   |  6 Pagesplayers in the international student market. Australia has developed a strongly entrepreneurial approach to attracting the lucrative overseas student market, a key factor in is the potentially enormous profitability that ensues from Australia’s ability to attract â€Å"tens of thousands of students from several different countries† establishing a â€Å"diversified market with strong growth potentialâ⠂¬  (Verbik Lasanowski, 2007, p.5). One reason for Australia’s success in the international student market is thatRead MoreFactors Influencing The International Students1338 Words   |  6 Pages Factors influencing the international students to choose the United States as their higher study destination Prejin Kumar Pradeep Kumar Husson University â€Æ' Abstract The United States hosts more of the world’s 4.5 million global mobile college and university students than any other country in the world, with almost double the number hosted by the United Kingdom, the second leadingRead MoreCross Cultural Integration: International Students and Higher Educational Institutions1205 Words   |  5 Pagesthat international students must obtain in order to conform to the mission statements of higher educational institutions cross-cultural Integration through suitable learning environments and aiding student to succeed in obtaining a higher education is a fundamental requirement of every educational institution,(Delbanco, 2012) but the quality of American higher education since the growth of student campuses is questionable. Using academic journal articles from the Journal of College Student DevelopmentRead MoreHow Tuition Fees Deter The Attendance Essay1448 Words   |  6 Pagesgovernments on post-secondary education has led to the ongoing inf lation of tuition rates in Canada. By comparing countries with exorbitantly high tuition rates and countries with free education, the efficacy of the Canadian system can be studied. This paper will explore how tuition fees deter the attendance to university by low-income and international students, and address the need to restructure our economically outdated post-secondary system. Post-secondary education is highly valued in CanadaRead MoreCultural And Social Capital Theory999 Words   |  4 Pagesacademic success of Chinese students in Los Angeles Community College. The results of the study indicated that the aspirations of obtaining a higher level academic degree and then transferring to a four-year college or university were considered as the best predictors of academic success for Chinese international students. Whereas, English proficiency was considered to be a weak factor and social interaction factors were not too much related to Chinese international students’ academic success. Yuan (2011)

Medicine After Antibiotics free essay sample

A summary and discussion of causes and possible solutions of the problem of antibiotic-resistant bacteria. This paper summarizes the conditions that lead to antibiotic resistance. The author examines aspects such as over-prescription, high level of both bacteria and antibiotics in hospitals and the use of antibiotics in livestock feed that lead to a resistance. The author discusses the increasing uselessness of newer antibiotics and new strategies for preventing the spread of infectious disease. Antibiotic resistance has been building in bacterial populations for decades, but advances in medicine (i.e. new types of antibiotics) have always stayed one step ahead. Antibiotics are becoming harder and harder to develop there is a limited number of ways to recreate antibiotics, and drug companies may have come to the end of the list. Vancomycin considered the drug of last resort when all other antibiotics fail is no longer a sure cure. Vancomycin-resistant enterococci (VRE) have been reported in hospitals across the U. We will write a custom essay sample on Medicine After Antibiotics or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page S., and some of these infections are untreatable with any current antibiotic. However, vancomycin is being prescribed more and more often when other drugs fail and VRE populations are growing (Mitchell, 1998).

The First Industrial Revolution Social Consequences

The most significant social consequences of the First Industrial Revolution It is possible to identify two important effects of the Industrial Revolution. One of them is the changes in the standards of living. On the one hand, the technological progress deprived many low-skilled laborers as well as artisans of their employment because their work could be done by new machines.Advertising We will write a custom essay sample on The First Industrial Revolution’ Social Consequences specifically for you for only $16.05 $11/page Learn More For instance, one can speak about Luddites who destroyed cotton mills (Sievers, 2009, p. 28). As a result, their purchasing power decreased dramatically. However, the increase in productivity enabled people to purchase goods that were not accessible to them. For instance, one can speak about agricultural products (O’Brien, 1993, p. 73). This consequence is important because it is closely connected to the social disparities emerging in the nineteenth century. This is why this effect should not be overlooked. Moreover, one should speak about the development of trade unions. These organizations were formed because workers were concentrated in factories, mills, or other manufacturing facilities. As a result, they had more opportunities to organize their efforts and advocate improvements in their living conditions (O’Brien, 1993, p. 247). This effect of the Industrial Revolution is vital for explaining many tensions between workers and employees, especially at the end of the nineteenth century. So, this issue is also of great importance to historians. The Industrial Revolution and the rise of capitalism The First Industrial Revolution contributed to the intensification of commerce and this trend enabled many small businesses to increase their turnover and profitability. In this case, much attention should be paid to such inventions as steam engine which helped companies reduce their tran sportation costs (O’Brien, 1993, p. 60). Furthermore, advancements in science and technology helped owners to increase the volume of production and extend their enterprises. Moreover, the increased availability of many goods enables some families to save more money. Some people chose to invest this capital in stocks of private companies. This is how the Industrial Revolution contributed to the rise of capitalism. The rise of capitalism and the development of the communist theory The growth of capitalism led to the development of communist theory. First, it should be noted that the competitive nature of capitalism resulted to the disparities in the standards of living. In turn, many philosophers began to think about the factors that could have contributed to this inequality.Advertising Looking for essay on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More One of the causes that they identified was the exploitation of workers and their political underrepresentation (Cypher, 2004, p. 95). Moreover, many of them attempted to predict the social and economic development of European countries. In this case, one should speak about the works of Karl Marx and Friedrich Engels. Their works contributed to the development of the ideology which relied on the notion of class struggle. Therefore, one can say that communism immerged directly out of capitalism. The differences between capitalism and communism The differences between communism and capitalism are related to such aspects as property ownership and management of resources. While capitalism supports private ownership of property, communism ideology is based on the rejection of private property. Similarly, capitalism supports management of resources by private owners while communism implies that the resources should be managed by the state (Cypher, 2004, p. 212). This institution is also responsible for the distribution of wealth in the country. These differences are important because they can explain the hostilities existing between capitalist and communist regimes. Reference List Cypher, J. (2004). The Process of Economic Development. London: Routledge. O’Brien, P. (1993). The Industrial Revolution and British Society. Cambridge: Cambridge University Press. Sievers, M. (2009). Social Change in the 19th Century Novel. New York: GRIN Verlag. This essay on The First Industrial Revolution’ Social Consequences was written and submitted by user Ari Hull to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

Kewl Cookies Case Study essays

Kewl Cookies Case Study essays Kewl Cookies is an Australian company with 700 outlets, which operate in the main population centres of every state and territory. The objective of this report is to produce an outline plan of how information systems can improve the basic means of operation of the marketing and delivery side of the business. This can be achieved by using basic technology and strategies required to improve competitiveness. Kewl Cookies currently operate a manual system for delivery and marketing. However, this current system has disadvantages, which prevents Kewl Cookies from having an advantage over competitors. The current system has Kewl Cookies operating on a sale-or-return basis. This is where the old stock is removed from the shelves when the delivery drivers replenish. Kewl Cookies truck drivers delivers goods to each shop twice a week on average. The shelf-life of these cookies are no longer then 7 days. After the 7 days the cookies are considered waste products and are disposed of, with no profit to the shopkeepers. Shopkeepers then receive an invoice within 14 days and they then have 28 days to pay for the goods purchased, whether they are considered waste or not. The manual system currently being used by Kewl Cookies is appropriate for the business, as the system is ensuring high profits, which allows them to produce high-quality organic goods. But the reason for Kewl Cookies wishing to upgrade there current system is that there is a desire to save money and time and help the company to become more efficient. The main problems of the current system include: Assuming that Kewl Cookies are using a cashier (a form of a transaction processing system (TPS)) for there sales transact ...

Free Online Virtual High Schools 101

Free Online Virtual High Schools 101 A free online high school is a program that allows students to study through the internet without paying tuition. Free online high schools are considered public schools. In some states, they may be run by the states department of education. In other states, free online high schools are administrated by local school districts or by private organizations that receive permission by forming charter schools. While some free online high schools only offer a few courses, many provide students the opportunity to earn an entire high school diploma. Do Free Online High Schools Offer Legitimate Diplomas? The short answer is: yes. Free only high schools can award graduates diplomas that are the same as diplomas from traditional brick-and-mortar schools. However, many free online high schools are new and are still trying to become properly accredited. Whenever a new school (traditional or virtual) begins accepting students for enrollment, it must go through an accreditation process to prove that it offers a high-quality education. The process can take some time and a school is not guaranteed to receive accreditation. Before enrolling, you can check a free online high schools accreditation status here. If the school is not accredited, you may encounter trouble transferring to another program or having your credits accepted by a college after graduation. Are Free Online High Schools Easier Than Traditional High Schools? As a general rule, free online high schools are not easier than traditional online high schools. Different schools have different curricula and instructors. Some free online high schools may be more difficult than their traditional counterparts, while others may be easier. Some students tend to thrive in the self-paced, independent atmosphere that online high schools provide. Others have an extremely difficult time trying to navigate their assignments and study without the face-to-face assistance offered by teachers in traditional programs. Can Adults Enroll in Free Online High Schools? As public programs, free online high schools are designed for teenagers. While the rules vary from state to state, most free online high schools do not permit older adults to enroll. Some programs will accept students that are in their early twenties or younger. Older students interested in earning an online high school diploma may want to consider private online high school programs. These programs do charge tuition; however many are targeted to older learners and offer students the possibility of earning a diploma at an accelerated speed. Who Funds Free Online High Schools? Free online high schools are funded in the same way as traditional high schools: with local, state, and federal tax funds. Can Free Online High School Graduates Enroll in College? Yes. Just like traditional high school graduates, online high school graduates may apply to and enroll in colleges. College administrators look for the same types of grades, activities, and recommendations as they do for traditional graduates. Some online high schools offer different tracks for students depending on their academic preparedness and their desire to either attend college or learn a trade. Students that plan to attend college should enroll in college preparatory classes and should find out what courses their desired college requires of new freshmen. Additionally, college-minded students should make sure that their free online high school is properly accredited and is in good standing with the accrediting organizations. Can My Teenager Enroll in Any Free Online High School? No. Because online high schools are usually partially funded by local taxes, schools are location-specific. For example, a high school student from Dallas, Texas could not enroll in a free online high school funded by Los Angeles, California school districts. Students are only permitted to enroll in programs that are designated for their state or city. In some cases, students must live within a particular school district in order to enroll in a particular online high school. Additionally, some online high schools are only open to students that regularly attend traditional schools that the online program contracts with. Can My Teenager Enroll in a Free Online High School While Traveling Abroad? Because of the stringent residency requirements, enrolling in a free online high school while abroad can be a bit challenging. Generally, if students are retaining their American citizenship, they will still have a home state. If the parents remain in the U.S., the student may enroll in free online high schools permitted by the parents address. If the whole family is traveling abroad, residency may be determined by their mailing address or P.O. Box. Individual schools may have their own requirements. How Do I Find a Free Online High School? To find a program for your area, check out the About.com state-by-state list of free online high schools.

Analyzing the American Revolution and the French Revolution Essay

Analyzing the American Revolution and the French Revolution - Essay Example At face value, it might not appear as if the American Revolution in the French Revolution shares much in common. However, as a function of analyzing the commonalities and dissimilarities that these two historical occurrences share, the focus of this brief analysis will be to highlight the core commonalities that prompted both the American and French populations to actively resist the level of control that it been placed upon them by the authorities at that time; the British Empire and the French monarchy respectively. Through such an understanding and interpretation,  it is the hope of this author that the reader will gain a more informed level of appreciation for the causal factors that ultimately precipitated the rise of modern democracy within the Western world. Firstly, it must be understood that both the American Revolution and the French Revolution were partially predicated upon the economic hardships that both of these stakeholders were experiencing. In the case of the American colonies, the seven years war/French Indian war had created an economic hardship that the British Empire sought to escape from (Sherman, 2001). The most logical means through which the British Empire could pay off the massive amount of debt that it had accrued during this conflict was to raise taxes upon the colonies that it administered (Brunkhorst, nd). Naturally, unaccustomed to additional duties, tariffs, and taxes, the American population became frustrated with the hardship that living a frontier life, in addition to being expected to pay for the King’s most recent war, was too much; lending these individuals to rise up against the British overlords in the hopes that the economic situation and the overall quality/liberty that an individual could have w ithin the 13 colonies could be maximized.

Political Paper from 1930-1939 Essay Example | Topics and Well Written Essays - 1750 words

Political Paper from 1930-1939 - Essay Example There were two federal elections held in the 1930’s and there was a change in government in each election. (Linteau 93). The 1930 election between Prime Minister Mackenzie King’s liberal government and R.B. Bennett, the new conservative leader (Linteau 90) was the precursor to change that was rapidly approaching Quebec. There were very different platforms from each candidate; Bennett based his campaign on finding ways to fight the depression. Bennett promised to bring relief to the unemployed and increase exports (Linteau 1991) leading Bennett’s Conservative victory. King’s Liberal party showed no preparation or awareness of how serious the upcoming election was, appearing â€Å"ill prepared to deal with more increasingly difficult circumstances† (Linteau 1991). The victory was short lived however, as the immense scope of the economic problems of the Depression were more than his government seems equipped to handle. His failure to bring about the solutions he had promised made him an unpopular scapegoat. In 1932 he formed the Relief Act which was meant to help people who we re unemployed by providing grants for municipal works projects. During the 1930’s there were a number of new parties formed. The older more established parties, such as the Liberals who had been in power since 1897 appeared to be old and stagnant. 1932 brought the formation of the Cooperative Commonwealth Federation (CCF) a democratic socialist party. It gained supporters nationwide, but Quebec did not seem to favor the party (Linteau 1991). Another party that fared better in Quebec was the ALN, or Action Liberale Nationale. It grew out of the younger activists of the liberal party. Their program was supported by pressure groups and youth movements toward the social doctrine of the church (Linteau 1991). They were encouraged and inspired by the ideas of the Programme de Restauration Sociale

Outline the key features of utilitarianism Essay Example for Free

Outline the key features of utilitarianism Essay The theory of utilitarianism was developed by and associated by Jeremy Bentham and utilitarianism is a teleological ethical theory where the moral value of an action can be judged by its consequences. Three main philosophers have come up with different types of utilitarianism. Jeremy Bentham introducing Act Utilitarianism and John Stuart Mill trying to improve the flaws that he encountered with Bentham’s theory with his Rule Utilitarianism and lastly, Peter Singer with his preference utilitarianism. Act Utilitarianism is the original and official form of utilitarianism which states that we must on any occasion act in the way which will produce overall consequences better than those that any other act open to us would produce. Therefore, the greatest happiness principle should inform on any act that we undertake. It only focuses on the outcome of the action and not concerned with the motive or intention of the action. Jeremy Bentham, being an hedonist, which he believes that all humans naturally seeks pleasure and tries to avoid pain. He stated â€Å"nature has placed mankind under the government of two sovereign masters, pain and pleasure†¦ they govern us in all we do, in all we say, in all we think. † Therefore, according the Bentham, an action is right if it brought more pleasure and wrong if it produces pain. Once Bentham had established that pleasure and pain were the important qualities to determine the moral values, he then developed the utility principle. The rightness or wrongness of an action is determined by its usefulness. Usefulness refers to the amount happiness caused by the action. The theory is known as the greatest happiness principle which is ‘an action is right if it produces the greatest happiness for the greatest number of people,† believing that this would create happiness, and an intrinsic key to life. The possible consequences of different actions must be measured clearly to establish which option generates the most pleasure and the least pain. He introduced the hedonic calculus to measure the consequences. The Hedonic Calculus has seven different elements which include that intensity, duration, certainty or uncertainty, propinquity, fecundity, purity and extent of an action. Act Utilitarianism states that the principle of utility should be applied to every individual situation. John Stuart Mill saw Bentham’s theory and tried to improve it in his own way which he introduced Rule Utilitarianism. Rule Utilitarianism teaches that we should establish rules based on the greatest happiness principle and then follow these rules. Therefore there is no need to decide the greatest happiness in every situation because following the rules should in general produce the greatest happiness for the greatest number. Individual acts can therefore be judged as right or wrong by reference to the rules. Mill’s basic idea was that pleasure of the mind that spirit were more value than pleasure of the body. He believes that higher pleasures are generally more intellectual pleasures such as learning, reading and so on. Whereas, lower pleasures are more sensual pleasures such as eating, drinking, sex, etc. Therefore, reading a book, learning something new would be far superior and preferable as humans can only experience these. He said, â€Å"it is better to be a human being dissatisfied than a pig satisfied; better to be Socrates dissatisfied than a fool satisfied,† this means that humans are much more capable of experiencing higher pleasures than animals. Therefore, even if humans are dissatisfied their knowledge of such higher pleasure makes their lives better than animals. Rule Utilitarianism can be divided into two sections which is Strong and Weak rule utilitarianism. Strong rule utilitarians always follow these rules no matter what the outcome will be and believe that these rules should never be broken. Weak rule utilitarians however believe that these rules can be broken if more pleasure is produced. Lastly, Peter Singer’s modern version of utilitarianism which is Preference Utilitarianism. Preference utilitarians believe that something is right if it leads the greatest fulfilment of preference for as many as possible. They consider whether a decision is right or wrong by looking whether it fits in with what people would prefer. Peter Singer was concerned about the minorities and felt that they should also be included when considering what is best for everyone. He also believes that animals have preference, not just humans. And this is because they also feel pain and they have a preference to not feel pain.

George Washington Carver Essay -- essays research papers

George Washington Carver 	George Washington Carver was born in Diamond, Missouri at about 1865 as a slave child on Moses and Susan’s farm. Born and raised by his mother Mary, George was always having a whooping cough. One cold night, night raiders or slave robbers, came and took Mary and George from their home. The Carvers hired their neighbor, John Bentley, to go and find Mary and George. When John returned he had only brought back George and said that his mother could not be found. This was the beginning of George Washington Carver’s life. 	Since George was a very sick child and always having a whooping cough, he was given the job of working around the house and his favorite job, working in the garden. When George was not tending the garden or doing house chores he was always roaming the nearby woods and streams. He explored anything unusual such as reptile and insects. George kept his own frog collection and geological finds in a place where nobody could find as he would watch them progress. He had his own nursery in the woods and learned how to turn sick plants to healthy plants. This helped him be friendly with his neighbors and gained him the name "plant doctor." George had his own playmates to play childhood games with. Though his parents and playmates were white, he developed a strong friendship with most everybody and continued contact with them even after he left his hometown. The nighttime was about the same as everybody’s, except George and his brother went out to explore while the elders were asleep. During the night he would observe plants and also have fun riding sheep until punished by his parents. George learned very quickly. He mastered everything that was taught to him. This life style helped him become aware of his special talents before the difference of his skin color. Having white friends and white parents, George was excepted by anybody he came into contact with. He had a strong religious faith. There was no official religion for him, but he attended a little Locust Grove Church. While attending this church, he received religious practicing from a large variety of Methodist, Baptist, Campbellite, and Presbyterian circuit preachers. This gave George an unorthodox and nondenominational faith that would stay with him for the rest of his life. Part of that faith was a deep belief in revelation being give... ... nutritional value and could be used in cooking and baking. Over the years he invented many useful ways to use peanuts. Many synthetic products were also developed by George such as the ones listed below. Adhesives Axle GreaseBleach ButtermilkCheese Chili SauceCream CreosoteDyesFlour Fuel BriquettesInkInstant Coffee Insulating BoardLinoleumMayonnaiseMealMeat Tenderizer 	Metal PolishMilk FlakesMucilagePaperRubbing OilsSalveSoil ConditionerShampooShoe PolishShaving CreamSugarSynthetic MarbleSynthetic RubberTalcum PowderVanishing CreamWood StainsWood FillerWorcestershire Sauce Source: Hattie Carwell. Blacks in Science: Astrophysicist to Zoologist (Hicksville, N.Y.: Exposition Press), 1977. 	It is no doubt that George Washington Carver had a major impact on our lives. From everything he accomplished and everything he developed the world may not have been that same, thanks to him. George died on January 5th, 1943 at 7:30 P.M. He was laid to rest near the grave of Booker T. Washington. Before his death, he created the George Washington Carver Foundation in which Henry Ford was the trustee. In Tuskegee, Alabama is where the George Washington Carver Museum is located.

Automobile Scenario of India Essay

The Automotive industry in India is one of the largest in the world and one of the fastest growing globally. India manufactures over 17. 5 million vehicles (including 2 wheeled and 4 wheeled) and exports about 2. 33 million every year. It is the world’s second largest manufacturer of motorcycles, with annual sales exceeding 8. 5 million in 2009. India’s passenger car and commercial vehicle manufacturing industry is the seventh largest in the world, with an annual production of more than 3. 7 million units in 2010. According to recent reports, India is set to overtake Brazil to become the sixth largest passenger vehicle producer in the world, growing 16-18 per cent to sell around three million units in the course of 2011-12 In 2009, India emerged as Asia’s fourth largest exporter of passenger cars, behind Japan, South Korea, and Thailand. As of 2010, India is home to 40 million passenger vehicles and more than 3. 7 million automotive vehicles were produced in India in 2010 (an increase of 33. 9%), making the country the second fastest growing automobile market in the world. According to the Society of Indian Automobile Manufacturers, annual car sales are projected to increase up to 5 million vehicles by 2015 and more than 9 million by 2020. By 2050, the country is expected to top the world in car volumes with approximately 611 million vehicles on the nation’s roads. The dominant products of the industry are two wheelers with a market share of over 75% and passenger cars with a market share of about 16%. Commercial vehicles and three wheelers share about 9% of the market between them. About 91% of the vehicles sold are used by households and only about 9% for commercial purposes. The industry has attained a turnover of more than USD 35 billion and provides direct and indirect employment to over 13 million people. The supply chain of this industry in India is very similar to the supply chain of the automotive industry in Europe and America. This may present its own set of opportunities and threats. The orders of the industry arise from the bottom of the supply chain i. e. , from the consumers and go through the automakers and climbs up until the third tier suppliers. However the products, as channeled in every traditional automotive industry, flow from the top of the supply chain to reach the consumers. Interestingly, the level of trade exports in this sector in India has been medium and imports have been low. However, this is rapidly changing and both exports and imports are increasing. The demand determinants of the industry are factors like affordability, product innovation, infrastructure and price of fuel. Also, the basis of competition in the sector is high and increasing, and its life cycle stage is growth. With a rapidly growing middle class, all the advantages of this sector in India are yet to be leveraged. Note that, with a high cost of developing production facilities, limited accessibility to new technology and soaring competition, the barriers to enter the Indian Automotive sector are high. On the other hand, India has a well-developed tax structure. The power to levy taxes and duties is distributed among the three tiers of Government. The cost structure of the industry is fairly traditional, but the profitability of motor vehicle manufacturers has been rising over the past five years. Major players, like Tata Motors and Maruti Suzuki have material cost of about 80% but are recording profits after tax of about 6% to 11%. The level of technology change in the Motor vehicle Industry has been high but, the rate of change in technology has been medium. Investment in the technology by the producers has been high. System-suppliers of integrated components and sub-systems have become the order of the day. However, further investment in new technologies will help the industry be more competitive. Over the past few years, the industry has been volatile. Currently, India’s increasing per capita disposable income which is expected to rise by 106% by 2015 and growth in exports is playing a major role in the rise and competitiveness of the industry. Tata Motors is leading the commercial vehicle segment with a market share of about 64%. Maruti Suzuki is leading the passenger vehicle segment with a market share of 46%. [18] Hyundai Motor India and Mahindra and Mahindra are focusing expanding their footprint in the overseas market. Hero Honda Motors is occupying over 41% and sharing 26%[18] of the two wheeler market in India with Bajaj Auto. Bajaj Auto in itself is occupying about 58% of the three wheeler market. Consumers are very important of the survival of the Motor Vehicle manufacturing industry. In 2008-09, customer sentiment dropped, which burned on the augmentation in demand of cars. Steel is the major input used by manufacturers and the rise in price of steel is putting a cost pressure on manufacturers and cost is getting transferred to the end consumer. The price of oil and petrol affect the driving habits of consumers and the type of car they buy. The key to success in the industry is to improve labour productivity, labour flexibility, and capital efficiency. Having quality manpower, infrastructure improvements, and raw material availability also play a major role. Access to latest and most efficient technology and techniques will bring competitive advantage to the major players. Utilising manufacturing plants to optimum level and understanding implications from the government policies are the essentials in the Automotive Industry of India. Both, Industry and Indian Government are obligated to intervene the Indian Automotive industry. The Indian government should facilitate infrastructure creation, create favourable and predictable business environment, attract investment and promote research and development. The role of Industry will primarily be in designing and manufacturing products of world-class quality establishing cost competitiveness and improving productivity in labour and in capital. With a combined effort, the Indian Automotive industry will emerge as the destination of choice in the world for design and manufacturing of automobiles. History The first car ran on India’s roads in 1897. Until the 1930s, cars were imported directly, but in very small numbers. Embryonic automotive industry emerged in India in the 1940s. Mahindra & Mahindra was established by two brothers as a trading company in 1945, and began assembly of Jeep CJ-3A utility vehicles under license from Willys The Company soon branched out into the manufacture of light commercial vehicles (LCVs) and agricultural tractors. Following the independence, in 1947, the Government of India and the private sector launched efforts to create an automotive component manufacturing industry to supply to the automobile industry. However, the growth was relatively slow in the 1950s and 1960s due to nationalisation and the license raj which hampered the Indian private sector. After 1970, the automotive industry started to grow, but the growth was mainly driven by tractors, commercial vehicles and scooters. Cars were still a major luxury. Japanese manufacturers entered the Indian market ultimately leading to the establishment of Maruti Udyog. A number of foreign firms initiated joint ventures with Indian companies. In the 1980s, a number of Japanese manufacturers launched joint-ventures for building motorcycles and light commercial-vehicles. It was at this time that the Indian government chose Suzuki for its joint-venture to manufacture small cars. Following the economic liberalisation in 1991 and the gradual weakening of the license raj, a number of Indian and multi-national car companies launched operations. Since then, automotive component and automobile manufacturing growth has accelerated to meet domestic and export demands. [21] Following economic liberalization in India in 1991, the Indian automotive industry has demonstrated sustained growth as a result of increased competitiveness and relaxed restrictions. Several Indian automobile manufacturers such as Tata Motors, Maruti Suzuki and Mahindra and Mahindra, expanded their domestic and international operations. India’s robust economic growth led to the further expansion of its domestic automobile market which has attracted significant India-specific investment by multinational automobile manufacturers. [22] In February 2009, monthly sales of passenger cars in India exceeded 100,000 units[23] and has since grown rapidly to a record monthly high of 182,992 units in October 2009. [24] Objectives of study: Since the Auto Component industry is growing substantially, it is very important to know and identify how the industry is growing and creating its own place in the industrial sector helping the economy to grow. So the objectives of the study are: 1. To understand and analyse the current status of Indian Automobile Industry. 2. To Analyse the trends in the automobile industry in India. 3. To study the growth potential and challenges faced by automobile industry in India. Market and its Growth. The automotive industry of India is categorized into passenger cars, two wheelers, commercial vehicles and three wheelers, with two wheelers dominating the market. More than 75% of the vehicles sold are two wheelers. Nearly 59% of these two wheelers sold were motorcycles and about 12% were scooters. Mopeds occupy a small portion in the two wheeler market however; electric two wheelers are yet to penetrate. The passenger vehicles are further categorized into passenger cars, utility vehicles and multi-purpose vehicles. All sedan, hatchback, station wagon and sports cars fall under passenger cars. Tata Nano, is the world’s cheapest passenger car, manufactured by Tata Motors – a leading automaker of India. Multi-purpose vehicles or people-carriers are similar in shape to a van and are taller than a sedan, hatchback or a station wagon, and are designed for maximum interior room. Utility vehicles are designed for specific tasks. The passenger vehicles manufacturing account for about 15% of the market in India. Commercial vehicles are categorized into heavy, medium and light. They account for about 5% of the market. Three wheelers are categorized into passenger carriers and goods carriers. Three wheelers account for about 4% of the market in India. Domestic Market Share for 2010-11(%)| Passenger Vehicles| 16. 25| Commercial Vehicles| 4. 36| Three Wheelers| 3. 39| Two Wheelers| 76. 00| Source: Society of Indian Automotive Manufacturing (SIAM) GROSS TURNOVER OF THE AUTOMOBILEINDUSTRY IN INDIA| Year| (IN USD MILLION)| 2004-05| 20,896| 2005-06| 27,011| 2006-07| 34,285| 2007-08| 36,612| 2008-09| 38,238| The production of automobiles has greatly increased in the last decade. Automobile Production. Automobile Production Trends (Number of Vehicles)| Category| 2004-05| 2005-06| 2006-07| 2007-08| 2008-09| 2009-10| 2010-11| Passenger Vehicles| 1,209,876| 1,309,300| 1,545,223| 1,777,583| 1,838,593| 2,357,411 | 2,987,296 | Commercial Vehicles| 353,703| 391,083| 519,982| 549,006| 416,870| 567,556 | 752,735 | Three Wheelers| 374,445| 434,423| 556,126| 500,660| 497,020| 619,194 | 799,553 | Two Wheelers| 6,529,829| 7,608,697| 8,466,666| 8,026,681| 8,419,792| 10,512,903 | 13,376,451 | Grand Total| 8,467,853| 9,743,503| 11,087,997| 10,853,930| 11,172,275| 14,057,064 | 17,916,035 | Automobile Sales. Automobile Domestic Sales Trends(Number of Vehicles)| Category| 2004-05| 2005-06| 2006-07| 2007-08| 2008-09| 2009-10| 2010-11| Passenger Vehicles| 1,061,572| 1,143,076| 1,379,979| 1,549,882| 1,552,703| 1,951,333 | 2,520,421 | Commercial Vehicles| 318,430| 351,041| 467,765| 490,494| 384,194| 532,721 | 676,408 | Three Wheelers| 307,862| 359,920| 403,910| 364,781| 349,727| 440,392 | 526,022 | Two Wheelers| 6,209,765| 7,052,391| 7,872,334| 7,249,278| 7,437,619| 9,370,951 | 11,790,305 | Grand Total| 7,897,629| 8,906,428| 10,123,988| 9,654,435| 9,724,243| 12,295,397 | 15,513,156 |. Automobile Exports Automobile Exports Trends(Number of Vehicles)| Category| 2004-05| 2005-06| 2006-07| 2007-08| 2008-09| 2009-10| 2010-11| Passenger Vehicles| 166,402| 175,572| 198,452| 218,401| 335,729| 446,145 | 453,479 | Commercial Vehicles| 29,940| 40,600| 49,537| 58,994| 42,625| 45,009 | 76,297 | Three Wheelers| 66,795| 76,881| 143,896| 141,225| 148,066| 173,214 | 269,967 | Two Wheelers| 366,407| 513,169| 619,644| 819,713| 1,004,174| 1,140,058 | 1,539,590 | Grand Total| 629,544| 806,222| 1,011,529| 1,238,333| 1,530,594| 1,804,426 | 2,339,333 | Supply Chain of Automobile Industry. The supply chain of automotive industry in India is very similar to the supply chain of the automotive industry in Europe and America. The orders of the industry arise from the bottom of the supply chain i. e. , from the consumers and go through the automakers and climbs up until the third tier suppliers. However the products, as channelled in every traditional automotive industry, flow from the top of the supply chain to reach the consumers. Automakers in India are the key to the supply chain and are responsible for the products and innovation in the industry. The description and the role of each of the contributors to the supply chain are discussed below. Third Tier Suppliers: These companies provide basic products like rubber, glass, steel, plastic and aluminium to the second tier suppliers. Second Tier Suppliers: These companies design vehicle systems or bodies for First Tier Suppliers and OEMs( Original Equipment Manufacturers). They work on designs provided by the first tier suppliers or OEMs. They also provide engineering resources for detailed designs. Some of their services may include welding, fabrication, shearing, bending etc. First Tier Suppliers: These companies provide major systems directly to assemblers. These companies have global coverage, in order to follow their customers to various locations around the world. They design and innovate in order to provide â€Å"black-box† solutions for the requirements of their customers. Black-box solutions are solutions created by suppliers using their own technology to meet the performance and interface requirements set by assemblers. First tier suppliers are responsible not only for the assembly of parts into complete units like dashboard, breaks-axel-suspension, seats, or cockpit but also for the management of second-tier suppliers. Automakers/Vehicle Manufacturers/Original Equipment Manufacturers (OEMs): After researching consumers’ wants and needs, automakers begin designing models which are tailored to consumers’ demands. The design process normally takes five years. These companies have manufacturing units where engines are manufactured and parts supplied by first tier suppliers and second tier suppliers are assembled. Automakers are the key to the supply chain of the automotive industry. Examples of these companies are Tata Motors, Maruti Suzuki, Toyota, and Honda. Innovation, design capability and branding are the main focus of these companies. Dealers: Once the vehicles are ready they are shipped to the regional branch and from there, to the authorised dealers of the companies. The dealers then sell the vehicles to the end customers. Parts and Accessory: These companies provide products like tires, windshields, and air bags etc. to automakers and dealers or directly to customers. Service Providers: Some of the services to the customers include servicing of vehicles, repairing parts, or financing of vehicles. Many dealers provide these services but, customers can also choose to go to independent service providers. Indian automotive companies †¢Chinkara Motors: Beachster, Hammer, Roadster 1. 8S, Rockster, Jeepster, Sailster †¢Hindustan Motors: Ambassador †¢ICML: Rhino Rx †¢Mahindra: Major, Xylo, Scorpio, Bolero, Thar, Verito, Genio †¢Premier Automobiles Limited: Sigma, RiO †¢San Motors: Storm Tata Motors: Nano, Indica, Indica Vista, Indigo, Indigo Manza, Indigo CS, Sumo, Venture, Safari, Xenon, Aria. Foreign automotive companies in India Vehicles manufactured or assembled in India †¢BMW India: 3 Series, 5 Series, X1. †¢Fiat India (in collaboration with Tata Motors): Grande Punto, Linea. †¢Ford India: Figo, Ikon, Fiesta, Endeavour. †¢General Motors India †¢Chevrolet: Spark, Beat, Aveo U-VA, Aveo, Optra, Cruze, Tavera. †¢Honda Siel: Jazz, City, Civic, Accord. †¢Hyundai Motor India:Santro, i10, i20, Accent, Verna Transform, Sonata Transform. †¢Land Rover:Freelander 2 †¢Maruti Suzuki: 800, Alto, WagonR, Estilo, A-star, Ritz, Swift, Swift DZire, SX4, Omni, Versa, Eeco, Gypsy. †¢Mercedes-Benz India: C-Class, E-Class. †¢Mitsubishi[80] (in collaboration with Hindustan Motors): Lancer, Lancer Cedia, Pajero †¢Nissan Motor India: Micra. †¢Renault India:Fluence †¢Toyota Kirloskar: Etios, Corolla, Innova. †¢Volkswagen Group Sales India: †¢Audi India: A4, A6, Q5. †¢Skoda Auto India: Fabia, Laura, Superb, Yeti. †¢Volkswagen India: Polo, Vento, Jetta, Passat. Opel was present in India until 2006. As of 2011, Opel only provides spare parts and vehicle servicing to existing Opel vehicle owners. Vehicles brought into India as CBUs †¢Aston Martin: Vantage, Rapide, Virage, DB9, DBS, One-77. †¢Audi: A7, A8, S4, S6, S8, Q7, TT, R8, RS5. †¢Bentley: Arnage, Azure, Brooklands, Continental GT, Continental Flying Spur, Mulsanne. †¢BMW: 5 Series GT, 6 Series, 7 Series, X3, X5, X6, X6 M, M3, M5, M6 and Z4. †¢Bugatti: Veyron. †¢Chevrolet: Captiva. †¢Ferrari: California, 458 Italia, 599 GTB Fiorano, FF. †¢Fiat: 500, Bravo. †¢General Motors: Hummer H2, Hummer H3. †¢Honda: Civic Hybrid, CR-V. †¢Hyundai: Santa Fe. †¢Jaguar: XF, XJ, XK. †¢Koenigsegg: CCX, CCXR, Agera. †¢Lamborghini: Gallardo, Murcielago. †¢Land Rover: Discovery 4, Range Rover, Range Rover Sport. †¢Maserat: Quattroporte, GranTurismo, GranCabrio. †¢Maybach: 57 and 62. †¢Mercedes-Benz: CL-Class, GL-Class, M-Class, R-Class, CLS-Class, S-Class, SL-Class, SLK-Class, Viano, G-Class, SLS. †¢Mitsubishi: Montero, Outlander, Evo X. †¢Nissan: Teana, X-Trail, 370Z, GT-R. †¢Porsche: 997, Boxster, Panamera, Cayman, Cayenne, Carrera GT. †¢Rolls Royce: Ghost, Phantom, Phantom Coupe, Phantom Drophead Coupe. †¢Skoda: Yeti, Superb. †¢Suzuki: Grand Vitara, Kizashi. †¢Toyota: Prius, Camry, Fortuner*, Land Cruiser, Land Cruiser Prado. †¢Volkswagen: Beetle, Tiguan, Touareg, Phaeton. †¢Volvo: S60, S80, XC60, XC90. *Toyota Fortuner is imported as a CKD kit from Toyota Motor Thailand Commercial vehicle manufacturers in India Indian brands †¢Force †¢Hindustan Motors †¢Premier †¢Tata †¢AMW †¢Eicher Motors Joint Venture Brands †¢VE Commercial Vehicles Limited – VE Commercial Vehicles limited – A JV between Volvo Groups & Eicher Motors Limited. †¢Ashok Leyland- originally a JV between Ashok Motors and Leyland Motors, now 51% owned by Hinduja Group †¢Mahindra Navistar – a 51:49 JV between Mahindra Group and Navistar International †¢Swaraj Mazda – originally a JV between Punjab Tractors and Mazda, now 53. 5% owned by Sumitomo Group †¢Kamaz Vectra – A JV between Russia’s KaMAZ and the Vectra Group Foreign brands †¢Volvo †¢Tatra. †¢MAN – as a JV with Force Motors, makes MAN Trucks in India †¢Mercedes-Benz sells luxury buses in India †¢Daimler AG – manufactures BharatBenz, a brand of trucks based on the Fuso and the Mercedes Benz truck platforms, which Daimler AG owns †¢Scania †¢Iveco †¢Hino †¢Isuzu †¢Piaggio †¢Caterpillar Inc. Electric car manufacturers in India †¢Ajanta Group †¢Mahindra †¢Hero Electric †¢REVA †¢Tara International †¢Tata Opel was present in India until 2006. As of 2011, Opel only provides spare parts and vehicle servicing to existing Opel vehicle owners.. *Toyota Fortuner is imported as a CKD kit from Toyota Motor Thailand. Market Characteristics Market Size The Indian Automotive Industry after de-licensing in July 1991 has grown at a spectacular rate on an average of 17% for last few years. The industry has attained a turnover of USD 35. 8 billion, (INR 165,000 crores) and an investment of USD 10. 9 billion. The industry has provided direct and indirect employment to 13. 1 million people. Automobile industry is currently contributing about 5% of the total GDP of India. India’s current GDP is about USD 650 billion and is expected to grow to USD 1,390 billion by 2016. The projected size in 2016 of the Indian automotive industry varies between USD 122 billion and UDS 159 billion including USD 35 billion in exports. This translates into a contribution of 10% to 11% towards India’s GDP by 2016, which is more than double the current contribution. Demand Determinants Determinants of demand for this industry include vehicle prices (which are determined largely by wage, material and equipment costs) and exchange rates, preferences, the running cost of a vehicle (mainly determined by the price of petrol), income, interest rates, scrapping rates, and product innovation. Exchange Rate: Movement in the value of Rupee determines the attractiveness of Indian products overseas and the price of import for domestic consumption. Affordability: Movement in income and interest rates determine the affordability of new motor vehicles. Allowing unrestricted Foreign Direct Investment (FDI) led to increase in competition in the domestic market hence, making better vehicles available at affordable prices. Product Innovation is an important determinant as it allows better models to be available each year and also encourages manufacturing of environmental friendly cars. Demographics: It is evident that high population of India has been one of the major reasons for large size of automobile industry in India. Factors that may be augment demand include rising population and an increasing proportion of young persons in the population that will be more inclined to use and replace cars. Also, increase in people with lesser dependency on traditional single family income structure is likely to add value to vehicle demand. Infrastructure: Longer-term determinants of demand include development in Indian’s infrastructure. India’s banking giant State Bank of India and Australia’s Macquarie Group has launched an infrastructure fund to rise up to USD 3 billion for infrastructure improvements. India needs about $500 billion to repair its infrastructure such as ports, roads, and power units. These investments are been made with an aim to generate long-term cash flow from automobile, power, and telecom industries. Price of Petrol: Movement in oil prices also have an impact on demand for large cars in India. During periods of high fuel cost as experienced in 2007 and first –half of 2008, demand for large cars declined in favour of smaller, more fuel efficient vehicles. The changing patterns in customer preferences for smaller more fuel efficient vehicles led to the launch of Tata Motor’s Nano – one of world’s smallest and cheapest cars. Key Competitors Tata Motors:Market Share: Commercial Vehicles 63. 94%, Passenger Vehicles 16. 45%. Tata Motors Limited is India’s largest automobile company, with consolidated revenues of USD 14 billion in 2008-09. It is the leader in commercial vehicles and among the top three in passenger vehicles. Tata Motors has winning products in the compact, midsize car and utility vehicle segments. The company is the world’s fourth largest truck manufacturer, and the world’s second largest bus manufacturer with over 24,000 employees. Since first rolled out in 1954, Tata Motors as has produced and sold over 4 million vehicles in India. Maruti Suzuki India: Market Share: Passenger Vehicles 46. 07% Maruti Suzuki India Limited, a subsidiary of Suzuki Motor Corporation of Japan, is India’s largest passenger car company, accounting for over 45% of the domestic car market. The company offers a complete range of cars from entry level Maruti-800 and Alto, to stylish hatchback Ritz, A star, Swift, Wagon-R, Estillo and sedans DZire, SX4 and Sports Utility vehicle Grand Vitara. Since inception in 1983, Maruti Suzuki India has produced and sold over 10 million vehicles in India and exported over 500,000 units to Europe and other countries. The company’s revenue for the fiscal 2010-2011 stood over Rs 375,224 million and Profits After Tax at over Rs. 22,886 million. Hyundai Motor India:Market Share: Passenger Vehicles 14. 15% Hyundai Motor India Limited is a wholly owned subsidiary of world’s fifth largest automobile company, Hyundai Motor Company, South Korea, and is the largest passenger car exporter. Hyundai Motor presently markets 49 variants of passenger cars across segments. These includes the Santro in the B segment, the i10, the premium hatchback i20 in the B+ segment, the Accent and the Verna in the C segment, the Sonata Transform in the E segment. Mahindra & Mahindra: Market Share: Commercial Vehicles 10. 01%, Passenger Vehicles 6. 50%, Three Wheelers 1. 31% Mahindra & Mahindra is mainly engaged in the Multi Utility Vehicle and Three Wheeler segments directly. The company competes in the Light Commercial Vehicle segment through its joint venture subsidiary Mahindra Navistar Automotives Limited and in the passenger car segment through another joint venture subsidiary Mahindra Renault. In the year 2009, on the domestic sales front, the Company along with its subsidiaries sold a total of 220,213 vehicles (including 44,533 three wheelers, 8,603 Light Commercial Vehicles through Mahindra Navistar Automotives and 13,423 cars through Mahindra Renault), recording a growth of 0. 6% over the previous year. Mahindra & Mahindra is expanding its footprint in the overseas market. In 2009 the Xylo was launched in South Africa. The company formed a new joint venture Mahindra Automotive Australia Pty. Limited, to focus on the Australian Market. Ashok Leyland: Market Share: Commercial Vehicles 16. 47% Against the backdrop of the sharp slump in demand for commercial vehicles, during 2008-09, Ashok Leyland registered sales of 47,118 medium and heavy commercial vehicles (M&HCV), 37. 5% less than in the previous year. This includes 16,049 M&HCV buses and 31,069 M&HCV trucks respectively, 8. 7% and 46. 3% less than in the previous year. Hero Honda Motors: Market Share: Two Wheelers 41. 35% Hero Honda has been the largest two wheeler company in the world for eight consecutive years. The company crossed the 15 million unit milestone over a 25 year span. Hero Honda sold more two wheelers than the second, third and fourth placed two-wheeler companies put together. Bajaj Auto: Market Share: Two Wheelers 26. 70%, Three Wheelers 58. 60% Bajaj Auto is ranked as the world’s fourth largest two and three wheeler manufacturer and the Bajaj brand is well-known across several countries in Latin America, Africa, Middle East, South and South East Asia. Despite falling demand in the motorcycle segment, the company has succeeded in maintaining an operating EBITDA (earnings before interest, taxes, depreciation and amortisation) margin of 13. 6% of net sales and other operating income. From 1. 66 million motorcycles in 2007-2008, the company’s domestic sales fell by 23% to 1. 28 million units in 2008-2009. Key Success Factors The key to success in the industry is to improve labour productivity, labour flexibility, and capital efficiency. Having quality manpower, infrastructure improvements, and raw material availability also play a major role. Access to latest and most efficient technology and techniques will bring competitive advantage to the major players. Utilising manufacturing plants to optimum level and understanding implications from the government policies are the essentials in the Automotive Industry of India. Effective cost controls – Close relationship with supplies and goods distribution channels. Establishment of export markets – Growth of export markets Having an extensive distribution/collection network – Goods distribution channels Successful industrial relations policy – Ethical and tactical industrial relations Both, Industry and Indian Government are obligated to intervene the Indian Automotive industry. The Indian government should facilitate infrastructure creation, create favourable and predictable business environment, attract investment and promote research and development. The role of Industry will primarily be in designing and manufacturing products of world-class quality establishing cost competitiveness and improving productivity in labour and in capital. With a combined effort, the Indian Automotive industry will emerge as the destination of choice in the world for design and manufacturing of automobiles. Growth Potential: 1. Increasing demand for vehicles: Increase of disposal income ,easily availability of finance,invreasing consumer awareness and close linkage with global automobile trends. 2. Stable economic policies adopted by successive Governments: The Government of India has continuously made several reforms for the groeth of automobile sector in India. It has lowered the excise duties and have relaxed many policies to boost the local demand . Implemeentation of VAThas helped India to position itself as one of the leading low cost manufacturing sources . 3. Availability of low cost skilled manpower: The cost of quality manpower in India is one of the lowest in the world . Each year the huge number of engineering graduates are produced who provide their skill at comprising salaries . 4. Quality standards: Manufactured in India or â€Å"Made in India† brand is rapidly getting associated with quality. The Indian manufacturer have focussed on quality and most of the leading automobile manufacturer are ISO certified Key Challenges Faced by Indian Automobile Industry Indian auto industry is one of the most promising and growing auto industries across the world. But at this juncture the Indian auto industry is facing various challenges catering to the growing domestic market. Recently, SIAM (Society of Indian Automobile Manufacturers) organized an Annual Convention in association with the Ministry of Heavy Industries and Public Enterprises to discuss the current scenario of the auto industry as well as to define the key challenges faced by the industry. The meeting focused to pave a way to transform challenges into business opportunities and boost the status of automotive industry in India. Some of the key challenges discussed faced by auto industry are fuel technology and nurturing talented manpower. These challenges are explained below in detail: Fuel Technology: Technology is significant and needed to ignite the growth of auto industry. Whether it’s a two-wheeler or a car, technology drives the growth. The challenge of alternative fuel technology ensures a brighter vision of the auto industry in the country. The increasing environmental pollution has become a concern for manufacturers and all associated with the industry. All of them are struggling hard to come up with a holistic and integrated approach to reduce carbon dioxide emission. Some of the initiatives to reduce the level of automotive emission include introduction of fuel-efficient cars, obligatory periodic maintenance, and inspection of automotives, designing automotives with recyclable materials, use of alternative fuels like CNG, LPG, biodiesel, and introduction of electric and hybrid cars. Car manufacturer like Maruti Suzuki has already introduced the new concept of using recyclable substance for car production in its dazzling car Maruti Suzuki A-Star. After the production of Maruti Suzuki A-Star, the company thrives to apply the same concept in all its future car models. In addition, it is believed that the Bharat IV Emission Norms are stringent and are to become mandatory in the next couple of years. The growing industry is hunting for more advanced ways and measures to meet the stringent norms. Some of the cars and other automotives may even be phased out during that period. Nurturing Talented Manpower: Manpower and human resources has always been a key growth driver in any industry including the automobile industry. Though India has a vast pool of talented and skilled professionals, the country needs initiatives and support to treasure these resources to excel in all arenas of the industries. Automobile industry is no exception and highly skilled manpower will further become the most reliable source of competitive advantage across the global as well as Indian automobile industry. More than even before creativity, innovative ideas, and expertise in different areas have become an asset these days. Talking about cars, car designers infuse their creativity in their designed car models and that’s something which attracts car customers Further to that, the industry has to foster the talent for servicing and maintenance as well.

First national bank case study Essay

A brand is the idea or image of a specific product or service that consumers connect with, by identifying the name, logo, slogan, or design of the company who owns the idea or image. Branding is when that idea or image is marketed so that it is recognizable by more and more people, and identified with a certain service or product when there are many other companies offering the same service or product. Advertising professionals work on branding not only to build brand recognition, but also to build good reputations and a set of standards to which the company should strive to maintain or surpass. Branding is an important part of Internet commerce, as branding allows companies to build their reputations as well as expand beyond the original product and service, and add to the revenue generated by the original brand. When working on branding, or building a brand, companies that are using web pages and search engine optimization have a few details to work out before being able to build a successful brand. Coordinating domain names and brand names are an important part of finding and keeping visitors and clients, as well as branding a new company. Coordination of a domain name and brand names lends identification to the idea or image of a specific product or service, which in turn lets visitors easily discovery the new brand. Branding is also a way to build an important company asset, which is a good reputation. Whether a company has no reputation, or a less than stellar reputation, branding can help change that. Branding can build an expectation about the company services or products, and can encourage the company to maintain that expectation, or exceed them, bringing better products and services to the market place. 1.2 Audi: commodity, products, company, brand? differentiates between a brand and a commodity by stating that â€Å"Branding is associated with added costs in the form of marketing, labelling, packaging and promotion. Commodities are ‘unbranded’ or undifferentiated products. distinguish the difference between a product and a brand, by saying, that a product â€Å"is anything that meets the functional [tangible] needs of customers†. In this context, one can say that a commodity represents basic, unbranded products such as Steel or other raw materials. However, products represent the next level, in this case it is automobiles. As a result, the brand level, which has intangible benefits, is represented by a particular brand in the automobile industry. However, Audi is a company brand which means, that the â€Å"name of the company identifies the brand†. This view is supported by Kapferer (2004, p.5) and Olins (2008, p.52) who both state that the corporate name is used at the same time as the name of the brand. 1.3.AUDI – major characteristics Audi is the jewel of the crown within Volkswagen group as well as the driving force of growth. Until the mid-1990s, Audi cars were still seen as poor man’s Mercedes or BMWs. However, since the 1996 A4 and then the head-turning TT, Audi has established itself as a leader in style and quality. Its technology also shines in powerful turbocharged engines, quattro 4WD, aluminum spaceframe chassis and advanced transmissions. Now Audi has become a strong premium brand like BMW and Mercedes-Benz. The lifestyle of many people has changed in the sense that, there is a development towards an environmentally friendly way of life and Audi should take advantage of this. Even though Audi already takes necessary steps toward the protection of the environment, it should emphasise that it’s a hydrogen combustion Strategy is competitive to BMW’s engine for example. Audi should aim to become the economic and environmental leader in the worldwide automobile market. Audi should expand their brands on the worldwide market and emphasise their different price ranges and target markets in order to create customer loyalty and affection for the brand. Furthermore, Audi should be aware that there are still new customers entering the market, for example young people. By targeting this group, Audi has the chance to mature with this audience, which supports the establishment of customer loyalty. In this context, After Sales Service plays an important role in maintaining the customers and encouraging repeat purchase. Audi should aim to improve customer satisfaction and brand image through enhanced dealer networks and an upgraded service. Furthermore, Audi did considerably well in surviving the economic crisis, not just because of their high brand equity and their excellent sales in the last year. However, in expanding this equity in the future, financial backing could be established, which could help Audi to become number one worldwide, and help Audi perform better against the competition. This emotional relationship should be expanded by continuing to offer high quality cars to every segment of society, ranging from young drivers to old, loyal drivers.

Contrast of Shakespeares Sonnets 29 and 130 Essay Example

Compare/Contrast of Shakespeares Sonnets 29 and 130 Essay Example Compare/Contrast of Shakespeares Sonnets 29 and 130 Paper Compare/Contrast of Shakespeares Sonnets 29 and 130 Paper Two Tones of Love Shakespeare’s Sonnet 29, and Sonnet 130 are both poems written about love. Although they are both speaking of love, the tone and delivery are vastly different. In Sonnet 29, it is apparent that the Shakespeare is writing the speaker talking to his love with the lines â€Å"Haply I think on thee†Ã¢â‚¬ ¦ â€Å"For thy sweet love remembered†¦. † Meanwhile in Sonnet 130, Shakespeare is writing the speaker talking about his love to another person with the lines, â€Å"My mistress, when she walks, treads on the ground. †Ã¢â‚¬ ¦.. â€Å"And yet, by heaven, I think my love as rare†¦. Though at first glance the sonnets do not show many similarities, upon closer inspection they become more evident. In both sonnets the Shakespeare does not mention said love until the end of each sonnet; â€Å"For thy sweet love† in Sonnet 29 to â€Å"And yet by heaven, I think my love as rare† in Sonnet 130. Sonnet 29 and Sonnet 130 also tal k of things that you would not think to see in a love sonnet. In Sonnet 29 it seems that Shakespeare is writing about the speakers financial status, or lack thereof, and how he feels looked down on by a higher society. This could be because his love is from that privileged class. While in Sonnet 130 Shakespeare has the Swearingen 2 speaker comparing his lover to beautiful things, although she is ugly. This is also difference in both sonnets. In Sonnet 29 financial status can be seen in the lines â€Å"Wishing me like to one more rich in hope,† †¦ â€Å"Desiring this man’s art, and that man’s scope. † Sonnet 130 compares the woman’s ugly features to beautiful things with the lines, â€Å"Coral is far more red than her lips’ red;† †¦ â€Å"And in some perfumes is there more delight than in the breath that from my mistress reeks. † Though these sonnets have some similarities and small differences, there is on major difference between the two. Sonnet 29 the speaker is talking to his love, â€Å"Yet in these thoughts myself almost despising, haply, I think of thee, and then my state. † It is obvious that this is a poem intended to be given to a woman to tell just how much you love her. Sonnet 130 the speaker is talking about how despite his lovers faults he still loves her, â€Å" My mistress, when she walks, treads on the ground. And yet, by heaven, I think my love as rare. † This poem was meant to tell the world to look past another’s faults and see the beauty within. The thesis’s of these sonnets is about how love comes in all shapes and sizes, wealth and poverty, ugliness and beauty, and that love knows no bounds. This shown in the parting lines of both sonnets, â€Å"For thy sweet love remembered such wealth brings that then I scorn to change my Swearingen 3 state with kings. †; â€Å"And yet, by heaven, I think my love as rare as any she belied with false compare. † The women of both poems, in my eyes, are both very lucky to have these men’s hearts; for who would not enjoy a lover who’s love is so strong that they wish to shout it to the whole world.

Clinical Experience and Medical School Application

Clinical Experience and Medical School Application What Is Clinical Experience? Clinical experience is volunteer experience or employment in the medical field, preferably in the area that interests you the most as a potential career. For example, if you want to work in a rural family practice, you might volunteer in a rural office for family medicine. Someone interested in pathology might shadow a pathologist. General experience in a hospital, nursing home, research lab, or clinic are additional examples. The depth and breadth of the experience can vary, but it is important that your experience gives you a firsthand look at the reality of your intended career choice. Either volunteer work or paid employment is acceptable. How Do I Get It? There are many routes to obtaining clinical experience. Your academic advisor or department chair should have contacts in place to help you find a position. You can ask your family doctor for names of contacts. You can call local hospitals or doctors offices. Check with labs, nursing homes, and clinics. Competitive experiences exist worldwide which may be advertised on a bulletin board outside science faculty offices. If you are having trouble finding a position, call admissions offices at medical schools and ask for ideas. Be proactive! Dont wait around for someone else to arrange this experience. Demonstrating initiative is a desirable trait for a medical college applicant. When Should I Get It? Ideally, you want to have started clinical experience prior to completing and submitting the AMCAS (American Medical Colleges Application Service) application. If you havent started it before then, at least have a starting date for the experience that can be placed on the application. Not only can this experience aid in getting secondary applications and interviews, but it is often essential. For traditional students looking to enter medical school the fall following graduation from college, this means you want to start this experience during your junior year or the summer between your junior and senior year. If your timeline is different, then plan accordingly. How Important Is Clinical Experience? Clinical experience is very important! Many schools require it; others strongly prefer to see it. Remember that admission to a medical college is competitive, so be prepared to demonstrate your commitment. There is no excuse for not getting clinical experience. The very least that you can do is to arrange a series of interviews with medical professionals to ask them about their work. Saying Im too busy or I dont know anyone who can help me or my advisor didnt get around to it will not impress the selection committee. Clinical experience is important because it documents that you know what is involved in the medical profession. You are entering medical school with an awareness of the advantages and disadvantages of medicine.

History Discussion Essay Example | Topics and Well Written Essays - 500 words

History Discussion - Essay Example He made the decision to travel to the USA because he knew he could get some kind of job be it small or daily wages type. This kind of attitude from the immigrants endangered the natives of the country. Immigrants had determination and fire in their bellies to establish themselves anyhow. For that, they were willing to even sleep on streets, but they wanted to improve their economic situation. This attitude made them a more willing labor. This also created issues for the natives of USA as they could not get higher wages and in most cases, they also lost jobs. The reason being the immigrants were willing to work in much lesser wages and at the same time, they were okay with whatever facilities were being provided to them and had no whims and fancies. I myself asked for a raise in salary and was told that if I wanted I could easily leave the job because the company could hire two immigrant accountants in my place. Immigrants were making the job situation worse and were also creating the unhygienic environment as can be read in the book by Madison Grant, in which he talks about racial hygiene. It was important that such a law by the government be passed so that the natives could get their rights. The law will help us in establishing better economic situation. The people who were involved in the passing of the law felt that if immigration was not curtailed then Americans will lose their superiority as well as individuality. Their culture will be merged and will lose the uniqueness.

Development Appraisal and Cost Forecasting Research Paper

Development Appraisal and Cost Forecasting - Research Paper Example The rent that can be acquired on the site will be 3190 per square meter. This makes the developer to get the capital back in 8.6 years. The profits start from 9 the year. According to the third unit the developing, investment and rental activities are not feasible. The developer can choose between the above two options and can decide on it. As per the competition he cannot get the bid less than the 22353.84 GBP per square metre. By calculating the profit the investment can be compared with the A out of the comparables given to compare the rental activity. This is because the rent is higher in that case and the developer is using steel and dress stones to clad externals. The maximum bid that can be offered to get the bid can be decided by taking into account that the pension fund is offering 610 basis points above LIBOR. This will make the investment of 27500 GBP per square meter increased by 2612.5 GBP per square meter. The maximum investment the developer can offer per square meter to get the bid is 30112.5 GBP. To this the other charges should be added. They are architect costs, solicitor costs, VAT, valuation fee stamp duty and LIBOR and they amount to 19.35 percent. This increases the amount to be invested per square meter to 35984.4375 GBP per square meter. The developer cannot invest or bid more than this per square meter. Any customer can invest 2.5 times the disposal price to buy a flat. ... Any customer can invest 2.5 times the disposal price to buy a flat. This gives 1,25,000 GBP for each flat and the revenue on selling the total 6 flats will be 7,50,000 GBP. The cost of land is 3,88,000 GBP. The profit of the company if the flats are sold for 7,50,000 GBP should be 165000 GBP. The cost of the flats for the company should be 585000 GBP. The cost of built ceiling shouldbe 585000 - 388000 = 197000 GBP. The company should built the flats at the cost not more than 1,97,000 GBP. 3. Anticipated Profit from Scheme Cost of site = 470000 + charges = 470000+11750+ 7050+82250 + 2500 = 573550 GBP The cost of interest rate 10 percent per annum. This makes the total cost of site = 659582.5 GBP. The expected rentals on each office space developed by client = 7500 x 25 x 12 + 500 = 2250500 GBP per year. 1 acre = 4046.9 square metre 2 acres = 8093.8 square metres. The developer is anticipating 7.5 percent of profit. In the coming 3 years of time. The cost of land is 573550 GBP The rentals can be acquired in 3 years = 6751500 GBP. The cost f built should be not more than 6751500 - 573550 = 6177950 GBP. The anticipated profit of the developer will be 573550 GBP in a three years period. Section B The wall area of the building I = 2x22/7x 11.25 x 2.3 = 162.64 Square metres The floor area of the building I = 22/7x 11.25 x 11.25 = 397.76 Square metres. The wall to floor ratio = 0.40. This implies that the building is stable regarding the wall to floor ratio. The wall area of the building ii = 80 x 2.3 = 184 square metres The floor area of the building ii = 20 x 20 = 400 square metres. The wall to floor area ratio is = 0.46. though this is substantially stable and efficient, the stability is les than the i building. The wall area of

School Library Media Coordinator Essay Example | Topics and Well Written Essays - 1250 words

School Library Media Coordinator - Essay Example Whereas pedagogy used to be the norm from kindergarten and through the school years and even within the portal of the colleges, now the focus is shifting to enable students grasp the methodologies for self-learning in the primary school years. The library used to be more of a place for reading entertainment. However, now the library has taken its rightful place as powerhouse of knowledge and information, almost a window to the world. Today, the wonders of knowledge and information and their utility occur with little gap in between. Take, for instance, the fields of information and communication technologies. These have become so all-encompassing and intertwined that students are getting the opportunity to use them long before they learn the fundamentals of what drives them and how they operate. Mobile phones, video games, the internet, gadgets like mp3, iPod, iPhone, etc. have students knowing lot more about these even before they start learning the dynamics of electrons, magnetism, calculus, conversion of energy and so on. The importance of the school library has dramatically increased in the past few decades. Knowledge and its application have become far too advanced and quicker than ever before for libraries to remain like a silent spectator in the background. Today, the function of library is a... The library has become a window to every activity from simple reading room containing literature classics to the volumes containing information about intriguing botanies and awe-inspiring planetarium. The library is now the buzzword for every subject, the initiating and training grounds for knowledge building in social sciences, physics and mathematics, the forerunner to specialization in different fields of science and arts (School Library Media Activities Monthly). Before the advent of the information era, the scope for utility of knowledge had to wait till the student completed studies and entered her/his career. Indeed, there was such a wide gap between learning and application of knowledge that most students had forgotten all that they had learnt in schools and colleges in view of the system-oriented assembly-line method of operating prevailing in every corporation, institution and agencies. This way, students simply became nothing less than robots performing the same mundane activities on rote. Education was a dull, repetitive, cyclic and boring affair. The information and communication era has changed all this. Nowadays, education must focus on specialization besides general knowledge to provide students the cutting edge in their area of interest and ability to grasp. There is the need for libraries to provide extensive information beyond the limited dose provided in graded textbooks. Thus, the treatment of library by learning institutions is becoming the litmus test for its efficacy and reputation. The value and importance of learning and teaching with the use of libraries must be the rule rather than the exception. Knowledge is far too advanced and complex now. It is not possible to depend solely on pedagogy style, classroom teaching. The

Business Law Essay Example for Free

Business Law Essay An agreement must contain four essential ingredients to be regarded as a contract. These four elements are offer, acceptance, Intention of legal consequences, and consideration. If any one of them is missing, the agreement will not be legally binding. An offer is defined as the manifestation of the â€Å"willingness to enter into a bargain so made as to justify another person in understanding that his assent to the bargain is invited and will conclude it. † There must be a definite, clearly stated offer to do something. An offer does not include ball park estimates, requests for proposals, expressions of interest, or letters of intent. An offer will lapse when the time for acceptance expires, if the offer is withdrawn before it is accepted, or after a reasonable time in the circumstances (generally the greater the value of the contract, the longer the life of the offer). Only what is offered can be accepted. This means that the offer must be accepted exactly as offered without conditions. If any new terms are suggested this is regarded as a counter offer which can be accepted or rejected. There can be many offers and counter offers before there is an agreement. It is not important who makes the final offer, it is the acceptance of that offer that brings the negotiations to an end by establishing the terms and conditions of the contract. Acceptance can be given verbally, in writing, or inferred by action which clearly indicates acceptance (performance of the contract). In any case, the acceptance must conform to the method prescribed by the offerer for it to be effective. A contract requires that the parties intend to enter into a legally binding agreement. That is, the parties entering into the contract must intend to create legal relations and must understand that the agreement can be enforced by law. The intention to create legal relations is presumed, so the contract doesnt have to expressly state that you understand and intend legal consequences to follow. If the parties to a contract decide not to be legally bound, this must be clearly stated in the contract for it not to be legally enforceable. In order for a contract to be binding it must be supported by valuable consideration. Consideration consists of either a benefit to the promisor or a detriment to the promisee. That is to say, one party promises to do something in return for a promise from the other party to provide a benefit of value (the consideration). Consideration is what each party gives to the other as the agreed price for the others promises. Usually the consideration is the payment of money but it need not be; it can be anything of value including the promise not to do something, or to refrain from exercising some right. The payment doesnt need to be a fair payment. The courts will not intervene where one party has made a hard bargain unless fraud, duress or unconscionable conduct is involved. When there is a breach of contract, an unexcused failure to perform, the other party is usually given damages, rather than specific performance. The rules of damages vary, but are usually intended to make the injured party whole. A party who was supposed to be paid something for that partys performance gets the amount of the payment due, if the performance has been rendered. A party who was supposed to get something of value sometimes gets the difference between the price agreed and the market price. Or, if the party has already paid the paying party sometimes gets the money back.

The Man with the Twisted Lip by Sir Arthur Conan Doyle :: English Literature

The Man with the Twisted Lip by Sir Arthur Conan Doyle In ‘The Man with the Twisted Lip’, Sir Arthur Conan Doyle used the disrespect of the Victorian public with regards to the Police to create his own successful amateur detective. The reason for this clear lack of respect is that the notorious Jack the Ripper was roaming the streets of London, and the police could do nothing to stop him. Indeed Jack the Ripper was never caught by the Police. Sir Arthur Conan Doyle also uses the fear that Victorians had of the knowledge that Jack the Ripper was present on London streets. Sir Arthur Conan Doyle uses words such as, â€Å"lurking† and â€Å"sluggishly† to describe Upper Swandam Lane and the way the River Thames flowing, adding to the feeling of disquiet and revulsion within the reader. Sir Arthur Conan Doyle also describes Upper Swandam Lane as being, â€Å"vile† All three of these words make the reader feel uncomfortable about the settings because the words represent life and creatures that are evil and dangerous. Sir Arthur Conan Doyle also tells us of a, â€Å"low room thick and heavy with the opium smoke† In the Victorian period, opium was legal and was smoked by many people. The thick smoke in the room made it difficult to breathe clean air. The word, â€Å"sottish† is used to describe an opium smoker who clearly has no control over his mind and body. This could be a hint that Sir Arthur Conan Doyle did not approve of the smoking of opium that took place in that time. Sir Arthur Conan Doyle also describes those opium smokers as being, â€Å"bodies lying in strange fantastic poses, bowed shoulders, bent knees, heads thrown back and chins pointed upwards, with here and there a dark, lack-lustre eye turned on the newcomer† This sentence gives the reader a further suggestion that the people in the opium den are intoxicated under the influence of opium, and also Sir Arthur Conan Doyle’s dislike of the habit of opium smoking. Sir Arthur Conan Doyle describes the path down to the opium den as, â€Å"a steep flight of steps leading down to a black gap like the mouth of a cave† This could be likened to a descent into hell, reminding the reader of the dreadful descent into the railway cutting in ‘The Signalman’, and suggesting that the opium den is not a place where religious people could be found. Sir Arthur Conan Doyle manipulates the importance that Victorians placed on social values and respectability. The Victorians were very proud people, and knew that money meant respect. This is shown when the character of Neville St.

My First Step Into College Essay

As I have started my college career I noticed that the writing is a lot harder than it ever has been before. More in depth, more to do and of course the deadlines and due dates are much shorter. Time and time again I’m reminded that my time management skills have really brought down my writing ability and that I need to apply myself to my writing more to avoid failing a paper or even a class. My experience in first taking English 1100 and having to retake it have pushed me to better manage my time and focus on writing well put together essays that are college level. I learned that the whole structure of this class is a little bit a new experience and some I have done before. Just like everyone, I’m not perfect, I have strengths, and many weaknesses in my writing that I could improve on but I would really like to improve my writing. Last semester was a hectic and not very good start to my college career because I failed to deal with the pressure from the expectations given by my teachers, and my parents. The teacher gives the due dates and the instructions to the students, me included, but the only thing I could seem to follow perfectly is the deadline aspect of the papers. That was an important yet easy expectation to follow because if you did not turn it in on time then you don’t get a grade for it basically, which is something I didn’t want to let happen, although my lack of time management skills did not help the content of that essay live up to the teachers expectations. I have learned from this that it is hard to finish a paper when you get home from work at 10:30 dead tired, and you stay up till one in the morning finishing it when you could have done it on your day off and not have had to worry about it the night before. That was after the two days of pre writing I did for the paper. It was another narrative but more personal. It was about either a place or person that is significant in your life. I chose my girlfriend, I love her to death and I don’t go out much so she was the only thing listed under the prompt that I could write a significant and relevant to the prompt narrative. It was going well I was asking my girlfriend for help as far as proofreading and editing. It was great to have her there because she is a much better writer than I am. That paper was going well until I had to stay up late the night before to finish it. Needless to say I didn’t feel good about how it was going to turn out and I was kind of right. I was given a C minus, mostly for a lot of spelling issues and run on sentences, which could have been fixed if I did not have to rush to finish the paper and if I would have hit the spell check button. I fell a little short of my parent’s expectations who expected C plus’s, B’s, and A’s out of me. It was a little hard telling them my grade and explaining why it was so low and how I should have taken more time on it and how I should not have slacked off. As hard and annoying as it was to hear it they were right, I couldn’t slack off and pass the class. Unfortunately I couldn’t buckle down in time enough to save my grade and I ended up failing the class with a C minus which for my major is not passing. Through out the rest of the semester I did improve my writing later on especially personal essays and comparison reflections the relate to me. I did also learn that by fixing my time management skills and taking more time in the whole writing process improved my last two papers which were a research essay and a reader reflection of a text I received a B and a B plus which was surprising to me but was the reward for my learning to apply myself and handle the pressure of the expectations given to me by my teacher and my parents. Throughout my first semester of college in English 1100 I have learned how important the expectations that my teachers and parents give me are. They are set in place so that I can grow as a better, more organized student, as well as growing as a writer and better understanding what makes a good essay, the experience taught me a lot and now I am ready to apply myself and redeem myself.

Finding Nemo: Overcoming Fear and the Hero’s Journey

In this movie, Marlin, the hero, must find and rescue his son, Memo, who has been captured by divers. Although Marlin is afraid he wills himself to Journey to the deepest, darkest, most dangerous areas of the ocean to find Memo. In Finding Memo, through three critical stages of Joseph Campbell monthly, Marlin discovers that he must overcome his fears in order to save his son. In the â€Å"Ordinary World† stage of the hero's Journey, Marlin expresses inordinate fear towards the ocean and taking risks.While preparing for the first day of school in is anemone, Marlin inquires, â€Å"What's the one thing we have to remember about the ocean? † â€Å"It's not safe,† replied Memo with a heavy sigh. In this ordinary world, the fear that Marlin will conquer is introduced with his parenting. Marlin teaches Memo to fear because of his horrendous past experiences. While Marlin is cultivated and cautious, Memo, on the other hand, is innocuous and imprudent. Because of this, M emo's father is set on sheltering Memo from the outside world. At this point in the journey, Marlin has extreme anxieties that are yet to be conquered.Additionally, Marlin begins to conquer his fear of the â€Å"big blue† and gambling with life as he enters the â€Å"Crossing the Threshold† stage of Campbell monthly. When Memo ventures out into open water to touch â€Å"the butt† (boat), he is nabbed by divers, and Marlin rushes to action and chases the boat. â€Å"l have to find the boat! † he exclaimed as he raced through the violent water. It is at this point that Marlin realizes that fear fades when there is danger at hand. For example, it only takes a split second for Marlin to think before plunging into the thing that has frightened him for years.He takes the first step to vanquishing the terror that controls his life due to the possible death of his son. Memo's capture empowers Marlin to venture on a search and rescue mission, regardless of the per il he is bound to face. During the second critical stage, Marlin begins to apprehend why and how he must stand in the face of danger to surmount his fears. Moreover, during the â€Å"Road Back† stage of the hero's Journey, Marlin releases all of his fear and discovers that some chances are worth taking. Marlin comes to this realization when Dory and several other fish are engaged within a fishing net, andMemo uses his newly found knowledge to hatch a plan to help them elude their cruel fates. â€Å"l can do this,† pleads Memo. Marlin replies with a look of pride and understanding, mire's right. I know you can. † Marlin finally understands that keeping Memo from attempting anything outside of the box because of his own fear. Once he sees that Memo's method worked, he realizes that he does not have to fear for Memo as much as he previously thought. By giving Memo permission to consummate his plan, Marlin quells his fear of trying new things and finally learns to tr ust his son.Because of this close encounter with danger and death, Marlin is able to rid himself of the fear that has controlled him ever since the birth of his son. In the last critical stage of Marlin's Journey, he pulls together all of the erudition he has gathered from his quest to realizes that his fear can be overcame with action. Three critical stages of Joseph Campbell are exemplified as Marlin manumits his son from the clutches of his captors while conquering his fears. From the hero's journey in Finding Memo, one can learn that no matter the size or rationality of the fear, it can be overcome if it is faced head on.