Market Survey on Commodities Future Trading Free Essays

string(187) fitting correspondence message for pulling in the individuals to Geojit COMtrade Ltd SCOPE OF THE STUDY Globalization of the money related market has prompted a complex increment in investment. An Industry Internship Project On COMMODITIES FURTURE TRADING WITH RESPECT TO GEOJIT COMTRADE LTD †MARKET SURVEY Done at CALICUT, KERALA Under the direction of MRS. C. ANITHA RANI (Asst. We will compose a custom article test on Market Survey on Commodities Future Trading or on the other hand any comparative point just for you Request Now Educator of Marketing Dept. ) (Project Guide) Mr. CHACKO . C. VARGHEESE (Regional chief) (Corporate Guide) Submitted By: LAKSHMI. P. K Roll No: 20028 SIVA SIVANI INSTITUTE OF MANAGEMENT KOMPALLY, SECUNDERABAD Acknowledgment As a matter of first importance I might want to say thanks to Geojit COMtrade Ltd, which is a main association in product exchanging, for allowing me a chance to work with them and to do Market Research to increase viable information on how a Commodities Company functions. My extraordinary commitments to my corporate guide Mr. Chacko C Varghese, Regional administrator, GC Branch, Calicut, for allowing consent to do the undertaking in their regarded association. I say thanks to him for devoting his important time in exploring my venture work intermittently and for guiding me as far as possible. I am profoundly obligated to thank my staff guideAsst. Prof. C. Anita Rani. I likewise prefer to thank every one of my resources who have shown me and haveshared their involvement in mewhich has helped us in doing my undertaking. I am grateful to Mr. Ajeesh Paul and Mr. Bijesh K. B, senior administrators of Geojit COMtrade ltd, Calicut who was consistently prepared to explain my questions identified with the theme. Also, my true gratitude to them. Additionally, I am grateful to my family, companions, and colleagues and to the Almighty. Date: Signature Place: DECLARATION I, Lakshmi. P. K announce that this venture entitled â€Å"Market research on ware future exchanging regarding Geojit COMtrade Ltd. †, submitted for the honor of the PGDM Triple Specialization is a record of unique task †research study-did during April fifth June fifth) , that the venture has not framed before the reason for the honor of any Degree/Diploma/Associateship/Fellowship of some other comparable title. Ithas been finished by me at Geojit COMtrade Ltd, Calicut under the direction ofAsst. Prof. Anita Rani,faculty of showcasing division of Siva Sivani Institute of Management. Date: Signature Place: C O N T E N T S DECLARATION Acknowledgment CERTIFICATE TABLE OF CONTENTS PAGE NO Chapter †I Presentation 5 Statement of issue 5 Objectives of the investigation 6 Scope of study 6 Literature Review 6 Chapter †II Industry Profile 8 Company Profile 19 Departmental Details 26 Part III Research Methodology 44 Sources of information 45 Sampling Plan 45 Limitations 45 Chapter IV Data Analysis: Interpretation and Findings 46 Chapter-V SWOT Analysis 71 Conclusion 73 Suggestions 74 Bibliography 75 Annexure 76 CHAPTER - I INTRODUCTION Commodity exchanging is a zone which has picked up noticeable quality since the time the beginning of development. It tends to be ascribed to the way that products are a basic piece of our lives. Over these years there has been a colossal development in this portion which thusly has gone about as the mainstay of solidarity for the improvement of our economy. This has made it an alluring venture road for financial specialists. Prior we saw part of cash being put resources into those organizations which worked in the creation of wares. Presently we have a pattern inversion; wares have picked up unmistakable quality over the occasions. The quickly propelling innovation, especially the Internet, has definitely changed the social and financial scenes and each part of our day by day lives. In the Securities Industry Futures Commodities, the Internet has encouraged on-line exchanging, changing the manner in which the market works, just as the manner in which the financial specialists get to the market. Having exploited data innovation at a perfect time, India has risen as a front-running nation of on-line exchanging the worldwide protections items markets. On-line trading† is extensively characterized as an exchanging system where speculators place arranges and affirm exchanging results by means of electronic correspondence channels, for example, the Internet, cell phones, In India, the entire procedure of protections products exchanges, from request position and steering, request execution, to exchange affirmation, is completely mechanized, along these lines empowering the financial specialists who have put requ ests to affirm their exchanging results inside couple of moments. Geojit COMtrade Ltd. is a product exchanging administration firm. It works in horticultural items, base metals, valuable metals, bullion, and vitality. The firm takes part in exchanging administrations on items exchanged on the MCX and NCDEX in India. Its Research Division offers specialized and essential exploration administrations. The firm likewise gives research on business sectors, cash, and economy. Geojit COMtrade Ltd. is situated in Kochi, India. Proclamation OF THE PROBLEM Online future items exchanging include individual components, specialized variables, business factors and monetary elements. The exchange of these components on items showcase requires a profound report about the example procedure and methodology and execution. This examination is planned to distinguish the different ideas about online items exchanging and its method of working. 1. To distinguish the degree of consciousness of items online future exchanging. 2. To distinguish the objective purchaser for web based exchanging of items. 3. To recognize the inclination of clients to different speculation roads like item advertise, shares, common store, bank stores, protection, debentures and mail station investment funds. 4. To distinguish the mindfulness level of Geojit COMtrade Ltd. furthermore, criticism from the clients about the firm. Destinations OF THE STUDY My venture work customized was additionally coordinated to some specific targets and the principle destinations of the investigation are as cry; 1. To plainly express the mindfulness level about Geojit products 2. To comprehend the impression of individuals about Geojit products 3. To devise a methodology by making individuals mindful of Geojit items The Main reason for leading the Survey for Geojit COMtrade Ltd * To distinguish the objective shopper for products business. * To recognize the inclination of clients to different speculation roads like item showcase, shares, common reserve, bank stores, protection, debentures and mail station investment funds. To distinguish the mindfulness level of Geojit COMtrade Ltd. furthermore, input from the clients about the firm. * To get a vibe of the Customers’ recognition about Geojit wares administrations items. * To locate a proper correspondence message for pulling in the individuals to Geojit COMtrade Ltd SCOPE OF THE STUDY Globali zation of the money related market has prompted a complex increment in venture. You read Market Survey on Commodities Future Trading in classification Exposition models New markets have been opened; new instruments have been created; and new administrations have been propelled. Moreover, various chances and difficulties have additionally been opened up. Online Commodities exchanging is new when contrasted with Equity advertise in India. For the most part three trades are engaged with online items exchanging MCX, NCDEX NMCE LITERATURE REVIEW such a significant number of studies are made in the zone of ware future exchanging. A portion of the significant investigations are explored as follows; In a notable writing study on product prospects exploration, Gray and Rutledge saw that, ‘Anyone who embraces a review of the writing on fates exchanging is gone up against with an indistinct and rather incoherent rundown of distributions (1971 p 57). A portion of the pioneers in fates research, as Hol stream Working, Roger Gray, Tom Hieronymus, Allen Paul, and Henry Bakenwere dependent on a top to bottom comprehension of monetary foundations, a valuation for the serious issues confronting the business, and cautious examination of important information. Dark and Rutledge (1971) give the most extensive study on fates markets and the subjects canvassed in their survey incorporate developmental parts of prospects markets, between fleeting value connections, and idea of supporting, value inconstancy, and the stochastic idea of value variances. The Keynesian hypothesis of ordinary backwardation was probably the most punctual hypothesis of the between worldly prospects costs and it proposed that fates costs are one-sided assessments of pending money costs since hedgers must remunerate theorists for expecting the value danger of holding future agreements * Working (1949) built up the possibility that the essential capacity of ware fates markets was the arrangement of the profits for the capacity administrations, and he saw between transient costs as the mutually decided cost of capacity. Holbroook Working (1953) sorted elective thought processes in business supporting in the product prospects and these classifications keep on being legitimate today. The three exchange supporting, operational supporting and expectant supporting. Since the fates and money cost meet in the conveyance month, a business firm can ‘arbitrage’ the two markets and acquire a hazard free come back from the anticipated change in the premise the numerical contrast between the fates and money cost. Operational supporting encourages business by permitting firms to purchase and sell on the prospects showcases as transitory substitutes for the resulting money advertise exchanges. This gives firms a road for being adaptable in everyday tasks and diminishing value hazard. Expectant supports include purchasing or selling fates decreases by business firms in ‘anticipation’ of the pending money advertise exchanges. Value desire assumes a significant job in this kind of fence. * Leuthold and Tomek (1980) clarified that semi-perishables (e. . , spread, eggs, onions, potatoes) were exchanged at the turn of the ce

English Essay Example | Topics and Well Written Essays - 500 words - 1

English - Essay Example The impact is pulverizing to wellbeing. One out of three kids who were conceived from 2000 will contact beginning stage of diabetes and among the minorities, that will be one of every two or 50 %. Episodes of E-coli are as of now basic that takes cost to our wellbeing because of unnatural method of developing and preparing this nourishments which are requested by quick nourishments. Second Paragraph: Hidden Cost in Encouraging Locally Produced Food (maybe you need to reconsider this, I saw the film and this doesn't fit) The concealed expense in empowering privately delivered food is that will be that it is increasingly solid since it is developed by ranchers in the regular route and as such natural and sound. At the point when the food that you purchase doesn't need to travel that long, no additives are added to it to store it longer. It will likewise debilitate worldwide enterprises, particularly the cheap food partnerships, to control and request how the food business ought to be d elivered. At the point when their control is debilitate in the food business by empowering privately delivered food, the motorization of the food business will likewise be disheartened. Third Paraghraph: Hidden Cost in Encouraging Others to Shop Locally Shopping locally will make interest for the nearby produce of the ranchers and will make their items increasingly practical in the market. As the film puts it, the appropriate response ought not be David battling Goliath however nearby makers ought to resemble Goliath.

How Thinking Like A Scientist Can Make You More Productive

How Thinking Like A Scientist Can Make You More Productive Theres a very particular way of thinking thats prevalent among scientists. Scientists work on studies and experiments. For each one, they determine a hypothesisâ€"a prediction of what will happen during the experiment. But heres where things really differ from the way most of us think: experiments dont fail or succeed. They simply prove or disprove the hypothesis. A scientist hasnt failed in their work if their hypothesis turns out to be incorrect. Rather, all they have to do to succeed in their work is run the experiment and collect data. That data helps them form new hypotheses and run further experiments. Compare that to how you think about your work. If you have a deadline, or a side project youre working on, or a promotion youre aiming for, you probably have a clear definition in your head of success and failure. And youre aiming for success, right? Theres no scientific process when it comes to getting your work submitted by a deadline. You do the work well or not, and turn it in on time, or not. But, though it might seem out of place, bringing this scientific way of thinking in to your work can be surprisingly effective in helping you succeed more. Lets take a look at two particular examples where this is the case. Thinking Like a Scientist to Increase Your Chances of Success Taylor Pearson writes of Buckminster Fuller, an incredibly productive scientist who published more than 30 books, as well as inventing various architectural designs, and even coining new terms such as Spaceship Earth. Pearson tells the story of a low point in Fullers life in 1927, when his familyâ€"including a new babyâ€"was struggling financially after hed lost his job. It was at this point, when Fuller was on the brink of giving up on life entirely, that he realized he had nothing to lose in terms of how he lived in the future. He resolved to live his life with the mindset of a scientistâ€"continually experimenting, tweaking, and experimenting again, to see how he could best contribute to humanity. My objective was humanitys comprehensive success in the universe, he once said. Looking over his achievements, one could say his experiments turned out rather well. Fullers approach was to act as if he were two people: Fuller the scientist, and Fuller the operator. His operator self carried out his experiments, living his life and doing his work based on the parameters set by his scientist self. Fuller called himself Guinea Pig B, with B standing for Bucky, as he was known to his friends. After each experiment, Fuller the scientist examined the data, adjusted for a new hypothesis, and started a new experiment. His experiments generally took the form of designing some new inventionâ€"most of which were failures. But he didnt quit. After all, he was on a lifelong mission to determine what he could contribute to humanity. Each new invention he worked on was another data point in his 50-year experiment. While I wouldnt suggest such an extreme approach for anyone, least of all those with a new baby at home and no job, its worth noting that the scientists approach to thinking turned around a man ready to give up on life and made him a prolific writer, inventor, and designer whos well-remembered today. On a smaller scale, approaching your work as both a scientist and a guinea pig may help you find the key to productivity you cant see otherwise. By running experiments and taking a step back to examine the results after each one, you can continue adjusting your approach until you find what gives you the most productive output possible. To get started, you might try experiments such as these: Use a standing desk for a week Exercise before work to improve your mood and mental clarity Trying working from another room or in a café for one day per week Batch your email processing into one or two periods per day, and keep your inbox shut in-between those Schedule all calls and meetings for one day per week and keep other days free for focused work Dont forget one of the critical parts of the scientific method: gathering data. First, write down your hypothesis: what do you think will happen during the experiment? Then, find a way to measure what happens. It might be keeping a tally of how many tasks you get done in a day, what type of work you get through, or simply using a time tracking app to note how you spent your time overall. As Pearson says, one of the most important parts of designing experiments is to ensure youve clearly outlined the parameters ahead of time. By treating life as an experiment, he says, you can limit downsides and maximize upside by removing your ego. Once you start putting the experiment into effect, says Pearson, your ego is involved. Knowing ahead of time what fits the parameters of your experiment and what doesnt takes away the uncertainty of what to do in the momentâ€"and ensures youll have solid data to work with after the experiment is over. You need to understand that the success of that one experiment doesn’t define your success as a scientist, it’s the aggregate that matters. â€" Taylor Pearson Work smarter, not harder. Thinking Like a Scientist to Overcome the Fear of Starting New Projects Side projects, unlike our day jobs, tend to reveal a lot more about us. Theyre more linked to our identities and our valuesâ€"in short, our egos tend to be more wrapped up in our personal projects. For this reason, theyre also more scary. Its a lot harder to face failure in a passion project than it is in a task assigned to you by someone else. Entrepreneur, designer, and writer Paul Jarvis says fear kept him from starting new projects for a long time, leaving his skills and experience stagnating. I used to let fear of a failed side project keep me from trying new things outside of my normal workload, he says. My day-job was comfortable, so I didn’t want to fail at something new. When Jarvis realized he wasnt pushing himself creatively, he knew side projects were the perfect way to do so. Side projects, he says, give us a chance to push new skills, flex our creative muscles, and give us testing grounds for new and innovative ideas. Jarvis found a way to push through his fear of failure: he started thinking of his personal projects as simply experiments. He took the succeed-or-fail risk out of them, which also took away the fear. Experiments dont failâ€"they simply prove or disprove a hypothesis. For example, despite my day job as a designer I had the hypothesis that I could also write an e-book. I then simply started writing. I didnt focus on the outcome, how the book would be received or what others would think of it. I figured, lets give this a try. These days Jarvis has expanded his projects to include multiple online courses, two podcasts, and publishing four books. Like Fuller, approaching every new project as an experiment has helped Jarvis increase his outputâ€"but more importantly, hes not afraid to try new things anymore. By framing the side projects Ive done as experiments, Ive had both the confidence to pursue them and the ability to judge them less harshly when they didnt work. Jarvis says treating his projects as experiments means he has to act in two modes. Dont create your experiment and judge it at the same time, he says. Creation and judgment are very different thought processes and can interfere with each other, and must be done separately. He also finds it important to focus entirely on the task at hand, and not think about the end result. The purpose of each experiment, after all, is to allow you the confidence and freedom to try things without worrying about success or failure. Remember: these are  experiments. Not full-time business ideas. â€" Paul Jarvis Once each experiment is over, Jarvis either changes the parameters and tries again, or moves on to something new. He warns against repeating the same experiment over and over, hoping for a different result. If you want a different outcome, he says, you have to change your experiment up a littleâ€"refocus for a new audience, try a different medium, or try experimenting with a new idea completely. The projects you apply this approach to will depend on what skills you want to develop, but here are some ideas to get you thinking: Writing a book or online course Cooking an ambitious meal Building an app or website Running a workshop Running a crowdfunding campaign for something youve designed Starting a podcast or blog Whether youre thinking about ambitious passion projects youve been meaning to start or increasing your productive output at work, the scientific mindset can help. When you remove the options of success and failure from your work, its freeingâ€"you can suddenly experiment, or simply enjoy the process without the pressure of succeeding. You dont have to do this in all your work, but give it a go for the next project you work on. Start by defining the parameters of your experiment and writing down a hypothesis. And dont forget to measure the results so you can adjust and retry the experiment when youre done. But dont worry about your experiments failingâ€"after all, Fuller went down in the history books despite almost all of his experiments failing. You certainly wont be alone. Work smarter, not harder.

Does The Ontological Argument Successfully Show That God...

Student Name - Samukumba Seyuba Student Number - SYBSAM001 Course code - PHI1024F Course Lecturer – Dean Chapman Tutor – Kajal Carr Does the Ontological Argument successfully show that God exists? God – â€Å"a being of which nothing greater can be conceived.† (Blackburn, S, 1999. Think. New York United States of America, Oxford University Press Inc. 5:154) The ontological argument put forward by St Anselm, is based on this definition. The argument, Anselm’s premises, the concept of god being understood, god existing in the understanding and god necessarily existing in reality, plus conclusion that god in fact exists, can be easily digested and understood but are also very confusing. In this essay I will argue that the ontological argument does not successfully prove that god exists as the argument not only contradicts itself but fails to put forward any solid proof for god’s existence. The essay topic above raises two main areas of attention in need of address. These two areas being; the ontological argument and what it is, and secondly, whether or not this argument is successful in arriving at the conclusion of god’s existence. To do the latter, I must first state the argument and what it is. The Ontological Argument states, following the definition of God above, that the concept of God or, a god, is understood (even by the fool as stated by Anselm) (Blackburn, 1999:154). Therefore as the concept of God is understood God therefore exists in the understanding (taken as theShow MoreRelatedDoes Anselm s Ontological Argument Successfully Show That God Exists?1245 Words   |  5 PagesMischler Does Anselm’s Ontological Argument Successfully Show That God Exists? The argument of whether God does or doesn’t exist has been a popular philosophical topic and everyday topic around the world for many centuries. It is a very important concept that philosophers have been trying to grasp since the beginning of philosophy. Anselm and Hume both have arguments that give us reasons to believe whether God exists or doesn’t exist. In this paper, I will venture into Anselm’s ontological argument, Hume’sRead MoreEssay on The Ontological Argument1589 Words   |  7 PagesThe Ontological Argument The Ontological argument is a group of different philosophers arguments for the existence of God. Ontological literally means talking about being and so in this case, that being is the existence or being of God. The main component of the Ontological argument can be found in the Anselm’s Proslogion which is a short work that tries to demonstrate both the existence and the nature of God. His main aim in writing the Proslogion is not to directly prove the existence ofRead MoreAnselm s Ontological Argument On The Existence Of God935 Words   |  4 PagesAnselm’s Ontological argument sets out to not only prove God’s existence, but to show that God’s existence is self-evident. Similar to other ontological arguments, it uses a priori knowledge to argue its validity, meaning that the propositions made are derived from internal reasoning instead of sense experience. The argument begins with Anselm defining the term God as â€Å"that, than which nothing greater can be conceived† (pg.26). Although simple, once this term is accepted Anselm believes he has successfullyRead MoreThe s Ontological Argument : What Does The Only Way God?1975 Words   |  8 Pagesit is that you come from the idea of God is present throughout. Though it may not be the same God as other religions the key idea is in fact there. God is known to all as the all mighty thing, however he is representative for much more. God s impact on individual’s lives is something that he will forever hold upon the human race. God s necessity in our lives is hugely relevant in our society today. With a large amount of evil occurring in our world today, God is that one thing that helps us keepRead MoreDoes God Exist?668 Words   |  3 Pagesculture has its God. Christianity and Islam have their own god; the Romans and Greeks had their Pantheon. A lot of people believe in god ha ve thought that there is more to life the material world around us. It seems arises naturally the world over by believing in god. Does God exist? I believe in God is exists by the philosophical argument: ontological argument, the first cause argument, the argument form design, and the moral argument. Arguments relate to the existence of God are in differentRead More The Problem of Evil Essay2226 Words   |  9 PagesIf God is good, then why is there evil? The following essay describes the problem of evil in relation to God, examines Christian responses to the problem, and concludes the existence of God and the existence of evil are fully compatible. Body â€Å"The problem of evil is often divided between the logical and evidential problems.† At the heart of each problem is the belief that the existence of God and the existence evil are incompatible. They present an â€Å"either/or† dilemma: either God exists orRead MoreScience Vs Philosophy Essay1841 Words   |  8 Pagesperceptions the person. The persons experience, logic, and beliefs (in other words the brain) will interpret this in a fashion parallel to the persons brain. This is the interpretation of the astronaut. You may or may not have a person. If the person exists, the event enters into his sensory perceptions. If it could be proven that his sensory perceptions are completely accurate (that is, if it could be proven that what we experience with our senses represents the largest, most complete picture of everything)Read MoreOrganisational Theory230255 Words   |  922 Pagesof our time – How should we understand the organization? Jan Ole Similà ¤, Assistant Professor, Nord-Trà ¸ndelag University College, Norway I really enjoyed this new text and I am sure my students will enjoy it, too. It combines rigorous theoretical argument with application and consideration of how managment practice is formed and shaped by ideas and concepts. The authors have brought their wealth of experience and understanding and provided the field with an imaginative resource to address the dynamicsRead MoreRyanair Analyses44239 Words   |  177 Pagesto follow their example. Also, the abbreviation LFA wi ll henceforth be used. With regards to the term â€Å"full service airlines†, which can also be expressed as network carriers or â€Å"hub-and-spoke† carriers, this was chosen only to show conformity in the thesis as there does not seem to be a general consensus neither in the industry nor in the academic world, as to which expression is the most appropriate. The abbreviation FSA will often be used As the European airline industry is extremely dynamic,Read More THE IMPACT OF KNOWLEDGE MANAGEMENT PRACTICES IN IMPROVING STUDENT LEARNING OUTCOMES65118 Words   |  261 Pagesevery member of my immediate family for the understanding they have shown me through this process, but especially to my sons, James and Joshua, for setting my sights on the honour of being called â€Å"Dr. Dad.† Finally, this thesis is dedicated to my Lord, God Almighty who provides me with His strength and sustenance at each step along the way. Declaration I hereby declare that the work submitted in this thesis is entirely my own which has not been submitted for a degree in the University of Durham or any

The Principles of Interpersonal Communication Essay

The Principles of Interpersonal Communication 1, We cannot not communicate, Communication is a natural occurrence between all beings. As we communicate naturally, we concentrate on verbal speech to talk. Our bodies on the other hand give out signals as part of our communication. When we communicate, body language is expressed with intentional and unintentional signs. Some examples are; †¢ The shrugging and slumping of shoulders †¢ Using hand movements †¢ Raising and lowering of eye brows †¢ Facial expressions †¢ Sighing Schmidt (2004) stated a nod of the head or a raised eye brow may be all that is asked of a listener. We need to be on the look out for implicit requests for more information that include honest feedback†¦show more content†¦A statement can not be retracted so one must be clear on commencement of a conversation. 3 Ethical Choices When conversing with others we must be aware of ethical choices. Interpersonal communication is used in everyday life but must be used in an appropriate manner. Wood (2003) state, Ethical communication is the ability to communicate in ways that are interpersonally effective. (pg32). This is a code of practice which all professionals abide by. With the code of ethics one must honor patients and the feeling he/she expresses, even if you feel differently. 4 Positivity Positivity in your conversation helps to enhance meetings. There is no right or wrong way to communicate, but better ways to phrase words using common sense and feelings. To have no negativity in a conversation, everyone becomes relaxed, comfortable and open for a positive conversation. Wood (2007) states, through all the stages of our lives, our self-esteem is shaped by how others communicate with us. People who lack interpersonal communication skills are unlikely to rise to the top of their fields, and many of them suffer lowered self-esteem as a result (pg 14). A negative conversation just compounds stress, uncomfortable feelings and anger which limit communication. 5 Kind and Caring Communication should be kind as possible without sacrificing either your honesty or the transparency of the message. The way we communicate depends on who weShow MoreRelatedThe Principles Of Interpersonal Communication Essay1538 Words   |  7 Pageslooking for some advice on communication for your new journey together. I recently completed a class on interpersonal communication and learned a lot of different techniques that may be helpful. I would also like to share some of my own personal experiences as a communicator. Knowing your role as a communicator is important, whether you are the one sending or receiving them. It will also guide you through difficult times if either of you faces a conflict. Communication is a vital part of havingRead MoreInterpersonal Communication: Principles and Misconceptions2426 Words   |  10 PagesInterpersonal communication Interpersonal communication is the form of communication that exists between two people; it is a universal kind of communication. It includes the daily exchange that may be formal in nature or informal in nature and can be in the form of facial expression, sounds, gestures, words and postures (MBA Knowledge base, 2011). Interpersonal communication, involves dissemination and reception of objective message or information between two or more people/groups with an aim ofRead MoreEssay on Four Principles of Interpersonal Communication1459 Words   |  6 Pagesreview of what has been noted about the four principles of interpersonal communication demonstrates that King (2000) has provided the definitive source for reviewing these issues. According to King, interpersonal communication is: inescapable, irreversible, complicated and contextual. Using these four principles as a basis for research, the current investigation provides a review of each of the four principles and the implication of each of these principles for the nursing professional. A situationRead MoreDear Sacramento Chinese Community Service Center,. I Have1409 Words   |  6 PagesDear Sacramento Chinese Community Service Center, I have been recently taking an interpersonal communication course and have discovered a great deal of information that I believe can be extremely beneficial to our agency’s communication effectiveness. I invite you all to think back to one of our previous meetings, do you recall any of the following? A lack of eye contact, a lack of enthusiasm, and frustrated looks on faces? How about an overall sense of discontent so much so that people are disengagedRead MoreInterpersonal Communication972 Words   |  4 PagesFour Principles of Interpersonal Communication These principles underlie the workings in real life of interpersonal communication. They are basic to communication. We cant ignore them Interpersonal communication is inescapable We cant not communicate. The very attempt not to communicate communicates something. Through not only words, but through tone of voice and through gesture, posture, facial expression, etc., we constantly communicate to those around us. Through these channels, we constantlyRead MoreCommunication : Understanding Interpersonal Communication1554 Words   |  7 PagesI. Introduction AND Thesis Statement Communication is the number one key in a relationship, especially when you re talking about marriage. I would like to take this moment to say congratulation on your recent marriage. I want to tell you that communication helps build a healthy personal foundation by implementing small talk in helping resolve conflicts through growth and helps reduce any barriers that prevent you from having a happy, successful marriage. Remember that no one is perfect at communicatingRead MoreCommunication Is Intentional Or Unintentional? Essay1438 Words   |  6 PagesInterpersonal Relationships First, communication is unavoidable. We communicate for many reasons to reach practical goals. Most communication is intentional. Communication can be unintentional too through the use of nonverbal communication and word choices. An important principle of communication is people are not mind readers†¦people judge you by your behavior and not your intent† (King, 2000). Regardless of whether communication is intentional or unintentional there are strategies for avoidingRead More The Breakfast Club Essay1077 Words   |  5 Pagescountless examples of the principles of interpersonal communication. Five high school students: Allison, a weirdo, Brian, a nerd, John, a criminal, Claire, a prom queen, and Andrew, a jock, are forced to spend the day in Saturday detention. By the end of the day, they find that they have more in common than they ever realized. nbsp;nbsp;nbsp;nbsp;nbsp;I will begin by selecting a scene from the movie and using it to explain what interpersonal communication is. The interpersonal transaction I choseRead MoreCommunication Is Necessary For Developing A Good Healthy Relationship Essay1255 Words   |  6 Pagestaught different techniques in the use of interpersonal communication through means of verbal or nonverbal actions. I would like this opportunity to write you a heartfelt letter of guidance. Hopefully, my letter will help each of you become more active with your communication skills as you begin your new relationship journey together. Beginning a new relationship can be filled with excitement and with mixed feelings of uncertainty. Despite the unknown, communication is necessary for developing a good healthyRead Moremr dddsdddd1164 Words   |  5 Pagesï » ¿GS0155 Interpersonal Communication Summary of concepts from Lecture 1 to Lecture 10 Lecture 1: Universals of IPC What is interpersonal communication? Nature of IPC: dyadic approach a. Dyadic b. Dyadic primacy c. Dyads Two types of dyadic connection: a. Dyadic coalition b. Dyadic consciousness Elements of Interpersonal Communication: (the model of IPC) a. Source-Receiver (encode, decode) b. Messages (feedback message, feed forward message) c. Channel d. Noise (Physical, Physiological

Environmental Analysis of Target Inc. Free Essays

Running head: ANALYSIS OF TARGET INC. Environmental Analysis of Target Inc. Team B Contemporary Issues in Leadership and Management MM590 October 9, 2006 Abstract Team B conducted an Environmental Analysis and an Industry Analysis of Target Inc. We will write a custom essay sample on Environmental Analysis of Target Inc. or any similar topic only for you Order Now In the Environmental Analysis, competition for customers is always a threat in any business but the success of Target is always looking for new opportunities. The Target Inc. analysis found that competition with the â€Å"big box† stores including the availability of substitute products and threats of new entrants are keys to their success. The analysis of the remote environment found new regulations and shifting demographics influence Target’s success. Falling petroleum prices, confidence in the stock market and families migrating from the city to rural areas were the result of the Industry Analysis. .Our recommendations for overcoming the threats and capitalizing on the opportunities were to increase internet shopping, become move competitive in smaller towns, globalization, and allow the Salvation Army to silicate donations during the holidays. Environmental Analysis of Target Inc. Team B conducted an Environmental Analysis and an Industry Analysis of Target Inc. o identify opportunities and threats that may arise in the near future. In this research paper, the team will evaluate the findings and provide recommendations for responding to the issues and opportunities that Target stores face. Environmental Analysis of Competition An analysis of the competition indicates there is availability of substitute produc es and threats of new competition entering every year. The retail industry provides steady competition among business and within departments of the organization. Target offers a wide variety of products and services, which leads to an immense competition pool. The organization rovides services with photo development, pharmaceutical, prepared food with some locations having chain services, optical, and portrait studio centers. These diverse services provided for the expansion of the competition pool to include non-general retailers. Since retail merchandise is Target’s primary source of profitability, the organization must make proper investments to ensure the quality of these services surpass those of the competition. Quality service in the food preparation department will increase the chances that a customer will pass other fast food companies in order to get the same service at Target. Target competes for the customer’s business in retail merchandise with other discount retailers, department stores, wholesalers, and supermarkets. The competition with other discount retailers is Kmart and Wal-Mart. Each company involved in general retail offers similar products to the customers. Customers can bring a shopping list to include socks, shampoo, DVD player, and holiday decorations to each of the general retailers with confidence that each company will satisfy the customer’s needs. The differences in each business, which determines a customer’s preference is the organization’s reputation. This reputation is developed by personal experiences, and/or by external influences like media and other consumers. A consumer’s life situation is another influence on a customer’s decision on business of choice. Some families find finical benefits in purchasing items found at Target in bulk at wholesaler. A consumer’s location in proximity to businesses is another influential factor. Some of these considerations cannot be altered by a business. Although, Target can offer outstanding service to force the customer’s preference to surpass all other factors in choosing a retailer. According to Kijoo and Kim, â€Å"†¦ store managers need to give their best effort to enhance their customers’ perceived satisfaction because satisfied customers have a greater chance of purchasing merchandise† (2006). The retail business relies solely on the customer’s choice in where their money is spent. The best method for retaining customers is to provide them with the products or services they desire. Those businesses, which are successful at customer service, will out perform their competition. The final source of competition involves internal aspects of the company. The competition produces threats to an organization’s retention. In each of the organization in which Target competes in sales, Target also competes in filling similar jobs. All retailers have similar job necessities including cashiers, clerks, receivers, managers, and store managers. According to the article in Human Resources Department Management Report, companies should â€Å"aim to identify the most suitable candidates as well as track trends in applicants and employees, including reasons for departure, rehire possibilities, top performers, and job specifics† (2005). The authors maintain that reduction in turnover can positively affect the profitability of the company. Businesses can operate differently but this does not change the skill requirements for being a leader. Target defines superior leadership performance as the individual who can excel in communicating effectively, managing execution, and demonstrating accountability. Since leadership is not defined by retail experience, Target searches for managers with various experiences including education, military, or public service. As Target is expanding their applicant pool, so is their competition. Once Target recruits strong leaders, retention is significant to the company’s success. Therefore, competition affects Target’s sales growth but also internal growth. Remote and Industry Analysis The analysis of the remote environment found new regulations and a shifting of demographics that influence Target’s success and ability to operate. A corporation that conducts an analysis of the environment must review all available information. This should include, a comparison of one corporation’s information against others in the same industry, and a look at all influences whether they are market related, legally based or social trends that affect the environment. For this analysis, we will focus on Target Corporation, and their main competition (Bateman Snell, 2004, p. 56). Overall, the retail industry has seen continued strength the last year. This is partially the result of falling petroleum prices, which has led to increased trips to the store, and increase in spending. Adding to the optimism is an increase in confidence in the stock market. Forecasts are for retail sales to continue to increase as they ramp up for the November-December holiday season. In response, the retail industry and Target alike has continued expansion in the e-commerce arena- highly ptimistic that forecasts achieve their estimate of 5% over last year (O’Donnell, 2006, p. 1). Other demographic factors include the continuing trend of families migrating from the city to rural areas, the movement of retirees to western states such as Arizona and Nevada, in addition to the continuation of retirees flooding into Florida. To capitalize on these opportunities, sever al initiatives have been seen in the industry (PRB, 2006, p. 1). Target has continued a steady yet comprehensive expansion project estimating the addition of 60-65 new stores this next year, with an overall growth rate of 8%. This expansion includes the Super Target stores, which are designed to compete with the Super Wal-Mart, providing grocery as well as retail consumer service (Target Annual Report, 2005, p. 3). Targets advertising costs have increased by $24 Million, double the increase from the previous year. These expenditures are primarily in the newspaper and media circular areas, but Target also increased expenditures on focused advertising campaigns targeting college students as they return to class in the fall (Target Annual Report, 2005, p. 29). This type of advertising has proven fruitful. This is an example of how Target is carving their niche in the market by focusing  on a part of the marketplace that has specific needs (Bateman Snell, 2004, p. 524). Another contributing factor to the overall increase in budget was the result of a, â€Å"†¦decline in viewer ship of the national networks and the increase in media fragmentation† (Target Annual Report, 2005, p. 11), which has caused a fundamental shift in advertising, utilize more web based services (Target Annual Report, 2005, p. 11). To capitalize on the continued growth of on-line marketing and distribution, Target renewed its agreements with Amazon reiterating their commitment to, â€Å"†¦remain focused on our core strengths of merchandising and design, and while continuing to benefit from Amazon’s innovation and expertise† (Target E-Commerce, 2006, p. 1). The article goes on to explain how Targets goal is to provide the ultimate on-line shopping experience to the customer. This methodology helps ensure Target remains a viable competitor in the on-line retail industry. Distinguishing itself from the competition, Target continues to maintain a vibrant image through its promise to ensure its, â€Å"†¦distinctive merchandise provides style, timeliness and quality at â€Å"best in class† prices† (Target Annual Report, 2005, p. 5). As part of this brand recognition initiative, Target continues to build relationships to enhance the shopping experience with industries such as Starbucks and Pizza Hut (Target Annual Report, 2005, p. 5). This is an important part of its effort to distinguish itself from the rest of the retail environment. A study done by Moorehouse in 1984, shows that states that strictly regulate store-opening hours have fewer large stores. In these cases, the consumer pays more for the products in the larger stores, because operating costs are so much higher. This could affect many of the Target stores because it will cost the company more money to operate to give their customers more shopping flexibility, or they have to increase the prices. Target has tremendous growth and profits are high. From the studies, it appears that Target has kept their prices at the same cost, no matter what. Some of these states include many smaller towns that would not survive without the â€Å"big box† stores and welcome companies like Target. Many times even if the cost is higher, the profits are high because of the demand (Tanguay, 519). Globalization is a concept of the international marketplace that influences increased trade, economic interdependence and decreased market barriers primarily due to increased connectivity (Bateman Snell, 2004, p. 538). Target has been no exception with recent expansion of services in India described â€Å"to perform business functions more productively† (Target Annual Report, 2005, p. ). This global expansion is a direct result of the environment, which fosters global interconnectivity, and more cost- effective operations sourced by major industry, lower labor costs, technology, and an ever-expanding international market. Recommendations Target Corporation has increased advertising dollars to ensure the corporation is targeting custome r’s needs. The increase has done well for the company due to increase in profits over time. The internet-shopping arena is a huge business in the United States. Target’s plan to renew a contract with Amazon was a good decision. This enables customer’s greater flexibility. Many consumers do not like to drive to find the product they need and this helps Target increase profits. One recommendation for the company would to promote more internet shopping in their advertisements. This will especially help with the stores located in certain states where there are stricter regulations on store hours. This helps the consumer in those areas and gives them more flexibility. This will also help the retail chain gain more profits than the competition in those areas. In the smaller towns where companies like Target are considered the â€Å"big box† stores, the company can become more competitive with the local businesses. Many â€Å"mom and pop† stores in smaller communities consider Target a threat because they can offer lower prices on many products. Target should evaluate the markets in these smaller towns to see what the consumers are looking for and at what cost. Globalization has a huge impact on the retail industry. A survey of American organizations shows that in 1996 $100 billion were spent by large organizations on outsourcing contracts. This helps companies like Target build more alliances over seas and reduce costs in technology and labor. This helps the retail chain spend more money on advertising and marketing ventures in the Unites States. Target should continue. On the other hand, the company should look into how many jobs that they are providing here in the US. Consumers like to see major companies consider the welfare of the job economy in the states (Greco, 50). One recommendation is for Target to consider working better with charities. The Target Corporation decided to eliminate any charities soliciting for money inside or outside of their stores. This was a huge headliner when the company stated nationwide that they were not going to allow the Salvation Army (bell ringers) outside of their stores during the holidays. Target’s defense was if they let the Salvation Army in, they would have to let all charities at their store. This created uproar with many consumers. Many customers will no longer shop at Target stores because of this. One of Target’s biggest competitors, Wal-Mart has an advantage because of this. Many of the Target locations are relatively close to the Wal-Mart stores and ecause of the cost proximity Target is losing business. The best decision for Target is to let the Salvation Army back for the holidays. This will increase their profits during that season and may potentially bring back old customers. This does not mean that they have to let all charities at their stores. Allowing this major nonprofit organization will help with the competition tremendously. In summary, Team B found in the analysi s that Target Inc. provides steady competition with the â€Å"big box† stores including the availability of substitute products and threats of new entrants. The analysis of the remote environment found new regulations and shifting demographics that influence Target’s success. Our recommendations for overcoming the threats and capitalizing on the opportunities were to increase internet shopping, become move competitive in smaller towns, globalization, and allow the Salvation Army to silicate donations during the holidays. References Bateman, T. and Snell, S. (2004). Management: The new competitive landscape. 6th ed. New York: McGraw-Hill. Greco, JoAnn. (1997). Journal of Business Strategy. Outsourcing: The New Partnership†. 18(4), 48-55. Retrieved from the Thomas Gale database on October 4, 2006. Human Resources Department Management Report. (2005). How ‘Closed-Loop Analytics’ at Albertsons Reduces Turnover Saves Millions of Dollars. 5(3), 2-4. Retrieved from EBSCOhost database October 6, 2006. Kijoo, K. , and Kim, E. (2006). Suggestions to enhance the cyber store customer’s satisfaction. Journal of Ameri can Academy of Business. 9(1), 233 – 240. Retrieved from EBSCOhost database October 6, 2006. O’Donnell, J. (2006). USA TODAY: Holiday Season Sales Forecast. Retrieved October 5, 2006 from USA Today web site: http://www. usatoday. com/money/industries/retail/2006-09-18-retail-usat_x. htm Tanguay, George. (1995). Economic Inquiry. Shopping Hours and Price Levels in the Retail Industry: A Theoretical and Empirical Analysis. 33(3), 516-525. Retrieved from Thomas Gale database on October 5, 2006. Target Annual Report. (2005). Retrieved October 4, 2006 from Target web site: http://investors. target. com/phoenix. zhtml? c=65828=irol-reportsAnnual How to cite Environmental Analysis of Target Inc., Papers

Rationale free essay sample

With the process of globalization and increasing economic interdependence amongst nations, there have been extensive changes to the global landscape affected by political, ecological, and technological variables. This has resulted in boosted importance of understanding the diverse cultures across the world. Understanding national culture can prepare individual for the difficulties that may be faced when dealing with various national settings especially in appropriate communication that is not offensive or against any cultural norm. Nonetheless, acknowledging the importance of cultural differences enables managers to comprehend their global partners and competitors and enhances their administrative abilities and skills. As the corporations become transnational, refined and sophisticated models for understanding cultures becomes essential. Developmentally, cross-cultural research in OB is coming of age, and this review reflects this momentum.It has been half a century since Hofstede first conducted his revolutionary study on cultural dimensions which has proven to be an expedient in the corporate world. MNEs undertake a progressively critical part in the global world, and subsidiaries of MNEs are fascinating objects of study in the field of organisational behaviour as the home country, the international corporate world as well as the local cultural, social, political and professional contexts influence, affect, and motivate their work. Hofstedes model of 6 cultural dimensions gives a framework to understand organisational behaviour which helps in strategic international management, marketing and negotiations. It helps the transnational as well as the multinational corporations to carry out their operations with their subsidiaries and also with the contemporary organisations smoothly and efficiently. Thus, National culture affects, to the certain extent, much of management and organizational behaviour. Evidence suggests that there is a correlation between national culture and internal work culture and thus certain postulations to managerial practices can be made. The 6 cultural dimensions by Hofstede aid to provide an insight to the nature, values, norms, practices and functioning of various countries that help the managers to effectively and accordingly deal and minimize conflicts within their inter-cultural workforce and create cooperation. The present study looks into specific cultural dimensions of India and Switzerland. The employees of transnational company Nestle in India and Switzerland were taken as the sample. These two countries were countries were chosen in large part for their proven potential for business, vast differences in cultures and also see the differences in the home country (Switzerland) and one of its subsidiary (India).Cultural diversity has a great influence on the function and behaviour within organizations. The understanding of cultural roots of human be haviour is critical not only for managers and their administrational style but also mirrors its impact on other organizational functions too. Job satisfaction, work engagement and work motivation are important employee attitudes that have been found to be influenced by national culture. Organizations accomplish key objectives through workforce endeavours. The knowledge, skills and abilities of the employees are key determinants of future success. Nevertheless, organizations also want their employees to be fulfilled and satisfied with their jobs, physically and emotionally engaged with their work and faithful to their organizations. Such workplace behaviours ultimately make the employees happier and thus more productive. Thus this research aims to study the influence of culture on these employee attitudes.People everywhere are likely to prefer the desirable over the undesirable and the pleasant over the unpleasant (Diener, Diener and Diener, 1995; Michalos, 1991; Veenhoven, 1991). A major reason for the success of happy individuals and organizations is that they experience on average more positive social relationships. Happiness, compassion and Life satisfaction are believed to have antecedents in the work domain, family domain, and personality traits. Research clearly shows that happy workers are more cooperative and collaborative in negotiations than unhappy ones. In general, positive emotions boost cooperative and collaborative behaviour in negotiations rather than withdrawal or competition.However, it is also likely that exactly what constitutes the good and the valuable varies substantially across cultures (Diener and Suh, 2000; Kitayama and Markus, 2000). In European-American culture, happiness is more of personal achievement in contrast to Eastern cultures where it is more about connectedness, mutual sympathy and support. Compassion and life satisfaction may also vary across nations being influenced by various cultural dimensions. Numerous research studies report that people in collectivistic cultures tend to be less satisfied than the people in individualistic cultures. It was thus considered vital to comprehend the cross section of positive psychology and culture, since it enables one to comprehend individuals inside a culture as well as empowers one to acknowledge and understand individuals from various cultures and societies.Emotional intelligence is winding up progressively crucial to peoples achievement in the increasingly digital future of work. As per Golemans model, those with a higher EQ  have a more prominent capacity to self-direct, regulate, and larger amounts of inspiration – which can thus reduce their tendency to procrastinate, improves self-confidence, and empowers them to focus on accomplishing long-term goals. Those high level of emotional intelligence regularly have a happier outlook on life and  more positive attitude than those with a lower EQ. They are additionally better at distinguishing and identifying with other individuals perspectives – a fundamental characteristic for anticipating and resolving  conflicts at work. Basically, emotional intelligence in the work places leads to comprehending, communicating and managing, good relationships, solving problems under pressure and also avoiding conflict amongst employees. Emotional intelligence was ranked 6th in the World Economic Forums rundown of the best 10 skills that employees will need to possess to thrive in the workplace of the future. Hence, having employees with high emotional intelligence will prove to be very beneficial for the organisation.Comprehending the importance and influence of national culture at the workplace and having enumerated the significance of job satisfaction, work engagement, work motivation, happiness and well-being, compassion, life satisfaction and emotional intelligence in understanding and improving organisational behaviour, all these variables were integrated to be examined under the framework of the present study.

Literary terms Grade 11 HHS Flashcard

Literary terms Grade 11 HHS

A Guide to Ghost Month in China

A Guide to Ghost Month in China The 7th lunar month in the traditional Chinese calendar is called Ghost Month. It is said that on the first day of the month, the Gates of Hell are sprung open to allow ghosts and spirits access to the world of the living. The spirits spend the month visiting their families, feasting, and looking for victims.  There are three important days during Ghost Month, which this article will delve into. Honoring the Dead On the first day of the month, ancestors are honored with offerings of food, incense, and ghost money- paper money which is burned so the spirits can use it. These offerings are done at makeshift altars set up on sidewalks outside the house. Almost as important as honoring your ancestors, offerings to ghosts without families must be made so that they will not cause you any harm. Ghost month is the most dangerous time of the year, and malevolent spirits are on the lookout to capture souls. This makes ghost month a bad time to do activities such as evening strolls, traveling, moving house, or starting a new business. Many people avoid swimming during ghost month since there are many spirits in the water which can try to drown you. Ghost Festival The 15th day of the month is Ghost Festival, sometimes called Hungry Ghost Festival. The Mandarin Chinese name of this festival is ä ¸ ­Ã¥â€¦Æ'ç ¯â‚¬ (traditional form), or ä ¸ ­Ã¥â€¦Æ'节 (simplified form), which is pronounced zhÃ… ng yun jià ©. This is the day when the spirits are in high gear. It’s important to give them a sumptuous feast, to please them and to bring luck to the family. Taoists and Buddhists perform ceremonies on this day to ease the sufferings of the deceased. Closing Gates The last day of the month is when the Gates of Hell close  up again. The chants of Taoist priests inform the spirits that it’s time to return, and as they are confined once again to the underworld, they let out an unearthly wail of lament. Vocabulary for Ghost Month If you happen to be in China during Ghost Month, it could be fun to learn these vocabulary words! While terms like ghost money or ghost month are only applicable to Ghost Month, other words like feast or offerings can be used in casual conversation. English Pinyin Traditional Characters Simplified Characters altar shn tn ghost gu vampire jing sh ghost money zh qin incense xing ghost month gu yu feast gng pn offerings j bi

Blue Ocean Strategy Research Paper Example | Topics and Well Written Essays - 500 words

Blue Ocean Strategy - Research Paper Example To break out of red oceans, the blue ocean strategy postulates that companies must break out of the accepted boundaries that define how they compete. These systematic boundaries are identified by the six paths framework as: industry, strategic groups, buyer groups, scope of product or service offerings, functional-emotional orientation of an industry, and time (â€Å"Blue Ocean Strategy,† 2011). The first path that we see Wii utilized to create a blue ocean was the buyer groups. Microsoft’s Xbox 360 and Sony PS3 rely on users as their primary focus. For this reason their strategies are geared towards increasing their users-experience through constant innovation and deployment of new technologies such as HD, graphics and so on. On the contrary, Wii opted to target purchasers and influencers e.g. parents and physicians through development of products that everyone in the family can appreciate. This has increased the likelihood of say, parents, purchasing Wii games instead of PS3 or Xbox 360 for their children. The second path that the Wii utilized to create a blue ocean for itself is the product scope. While the two major gaming competitors stuck to the belief that gaming was a preserve for a certain age group, the Wii expanded its market by developing products that could cut across all age groups from pre-teens to senior citizens. The Wii Healthy category of games comprises of products that grandparents and grandchildren could easily play with together.

Diverse Family Structures Assignment Example | Topics and Well Written Essays - 500 words

Diverse Family Structures - Assignment Example A product of the parental genetic make-up and will automatically assume the subculture or culture of the parents. The second proposition states that the environment a child shares with the peers and outside home experience help shape their personality. In this manner, if the parents of a child struggle, then the children will struggle too. The reason is that the parent will bring up the child in a struggling environment that will shape the character of the child as he or she grows. A typical case scenario is that of street families where there is continuity of homelessness on struggles in the generations. One important factor in the development of a child is education that equips the child with knowledge and skills to become better-adapted members of the society. As Harris (2009) pointed out on the proposition of environment and child development, education can mold the character, coping, and adaptation skills of a child to overcome the social status of the parents. Parents entrust teachers with the children with a hope that they will learn (Harris, 2009). The first approach is inculcating a positive attitude of possibilities amidst struggles to help the children appreciate opportunities that can shape a future and destiny lies with education and hard work. Since most children in school believe their teachers, it is a prime opportunity to help them think beyond the struggles the parents face. A school is a social place that should offer a platform of interaction among three parties, that is, parent-teacher, teacher-pupils, and pupil-pupil. Therefore, a teacher must devise a way to connect with the parents and guardians of the pupils in the school. Mandel (2008) outlines various ways of enhancing parent-teacher partnership.

The spirits in a christmas carol

The spirits in a christmas carol A Christmas Carol was written in 1843 by Charles Dickens, who today remains the most widely known novelist of the Victorian period. Dickens was born in Portsmouth and his farther had a constant struggle to keep order of his finance. His farther was put into prison whilst Dickens was put into a work house for the majority of his school years. These events contributed together to give Dickens a first class view of Poverty and how the general children of England lived during the 1800s. These themes can be easily associated with A Christmas Carol. They had a great influence on his writing and made him into the novelist he was. The main character in the novel is Ebenezer Scrooge. The protagonist starts off as a wealthy but extremely grumpy and cantankerous business man. He is the sort of person that only thinks of himself and no ones else. The action of four spirits, change the way he acts and feels and turn him into a respectful member of the community. Jacob Marley, The Ghost of Christmas Past, Present and Yet to Come all have a different effect on Scrooge. From seeing what Scrooge was like as a young boy, to what the future awaits for him. Dickens uses different techniques and methods for each of the spirits to accomplish this. Each of the spirits are also presented differently because they resemble and mean different things. Dickens uses Scrooges old business partner, Jacob Marley, to warn Scrooge of what the future holds for him unless he changes his ways. Marley is the first spirit Scrooge encounters because he is the only person Scrooge would trust. Marley makes a dramatic entrance and astonishes Scrooge. Marley has to look similar to what he looked like seven years ago, to convince Scrooge that he is real. The same face: the very same à ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦.. and the hair upon his head. Scrooge to begin with, refuses to believe that the phantom he is seeing in front of him is real, despite the fact Marley has hardly changed after death. As Marleys appearance has not really changed, this idea slowly convinces Scrooge that the phantom is really Marley because of its likeness. Scrooge has to know what and who has entered his house to haunt him, so a detailed description of Marley is needed. Scrooge first sees Marleys face in the door knocker, after he has come back from a evening meal. Only the rich used to be able to go out for meals, so this shows that Scrooge is wealthy and can afford expensive luxuries. In the 1800s the modern door bell was not invented so the majority of doors had door knockers instead. The face on the knocker catches Scrooges attention, but when he goes back to look, the face has gone. Scrooge then comes to the conclusion that his eyes must have been playing tricks. It is not until Marleys main entrance that Scrooge believes it is really Marley. Dickens uses onomatopoeia to describe Marleys dramatic entrance. The cellar-door flew open with a booming sound. The experience Scrooge has with Jacob Marley is full of suspense and tension. The use of the word flew indicates that the involvement of Marley is dramatic. This helps to evoke fear because of its suddenness. When the reader reads it, the suspense which has been built up is released in one sentence. The onomatopoeia helps the reader to understand what the situation was like for Scrooge. The cellar door could also represent the opening to the changing of Scrooges character. It opening could resemble another chance to go down it, in other words another chance to change the way he lives his life. It is only when Marley takes off the bandage around his head that Scrooge believes that the figure in font of him really is real and is Jacob Marley. à ¢Ã¢â€š ¬Ã‚ ¦when the phantom taking off the bandage round its head, as if it were too warm to wear in-doors, its lower jaw dropped down upon its breast! Scrooge fell upon his knees, and clasped his hands before his face. In the 1800s when somebody passed away a bandage was wrapped and tied below the jaw. This was so when the body decomposes the jaw skeleton is still attached to the rest. When Scrooge sees the lowered jaw, he is shocked and in dismay. This was proof that it was Jacob Marley and that everything he had been saying was true. Scrooge could not bear to see what had happened to his best friend. The taking off the bandage evokes fear into Scrooge and makes the said much more real and chilling. This makes Scrooge emotional to the whole visit of Jacob Marley. This tells and shows the reader that Scrooge still has some sort of heart inside of him and it just needs more work and acknowledgement to begin to make Scrooge change. From the text Dickens has given you the idea that the Jacob Marley has not made as big of effect as he wished. It tells us Marley wanted to make a bigger impact to Scrooge and maybe Marley had a little bit of good left in him when he died, so now he is trying to help his old business partner. Jacob Marleys spirit has now left Scrooge and it is the turn of The Ghost of Christmas Past to haunt and teach Scrooge how he must change. The Ghost of Christmas Past has heavy description and takes him back first to his old boarding school and several other important places. Dickens has used similes to describe the strange look of Ghost of Christmas Past. It was a strange figure like a child, yet not so like a child as like an old man. Scrooge can not make out the strange look of the ghost. There is a lot of description about this first of the three spirits. The description Dickens gives for the spirit is peculiar suggesting it is like that to help Scrooge understand the things he is going to see. A simile is a different technique for the reader to take in, other than a lot of description, so this gives the novel a better flow. The spirit could be described like a child, as this spirit is about how Scrooge used to be. The ghost takes Scrooge back to when he went to boarding school, so seeing a child like figure would give you an impression that you are going to re-visit your former self. The fact that it has the appearance of both a child and old man, also symbolises that the spirit is ageless. This indicated that Scrooge is in the presence of the supernatural. After much waiting and confusion over the entrance of the spirit, it suddenly appears in front of Scrooge. Light flashed up in the room upon the instant, and the curtains of his bed were drawn. During the 1800s central heating was an item people could have only wished for. So they would have a curtain which went round the bed to try and keep the warm in and the cold out. A hand of the ghost suddenly opens the bed curtains, this could represent the ghost opening a new opportunity for Scrooge to change into a better person. Again the ghost makes a dramatic entrance, filling the room of light. The light filling the room and the opening of the curtains could resemble getting up at the beginning of the day signifying Scrooge and the ghost are soon to be busy revisiting Scrooges former self. The spirit is described as wearing the purest white gown, this can be linked to several religious figures, the sudden explosion of light also supports this. In that time the majority of English people followed some sort of the Christian religion, so its more than likely Scrooge was a Christian. Although it is not mentioned in the text, Scrooges attitude suggests he is a little startled by the entrance of the strange figure. These points combined give the impression that Scrooge thought the first spirit was a religious figure as he had not encountered any of the other spirits at that point. Scrooge is reminded of the life he used to live through the use of the senses, in this case smell. A thousand odours floating in the air, each one connected with a thousand thoughts, and hopes, and joys, and cares long, long, forgotten. In this instance Dickens has used the senses to describe thoughts which were going through Scrooges mind. This is a different technique which has been used, which helps to engage and involve the reader. The senses are a great way to remember different things. People associate different smells and sounds to different memories through out their lives. The Ghost of Christmas Past is all about Scrooge remembering how he used to be and how jolly he was before his greed for money kicked in. So for Dickens to involve the sense of smell, it is a very effective technique. After Scrooge has met The Ghost of Christmas Past, he encounters The Ghost of Christmas Present. Scrooge recognises The Ghost of Christmas Present to be jolly and kind, but he is still a little nervous about meeting the spirit. He was not the dogged Scrooge he had been; and though the Spirits eyes were clear and kind, he did not like to meet them. Scrooge timidly enters the room the ghost is in, this shows Scrooge is not yet settled with meeting the paranormal. On the other hand, perhaps he fears where the ghost is going to take him and what it is going to show him. One of the first mentions of this spirit is that his eyes are clear and kind, straight a way this give the reader an idea of what the spirit is going to be like. Dickens uses developed and detailed description to explain to the reader what The Ghost of Christmas Present represents. Scrooge did as he was told, and held it fast. Holly, mistletoe, red berries, ivy, turkeys, geese, game, poultry, brawn, meat, pigs, sausages, oysters, pies, puddings, fruit, and punch, all vanished instantly. So did the room, the fire, the ruddy glow, the hour of night, and they stood in the city streets on Christmas morning, One second Scrooge is in his house with spirit, the next he is on a busy street. The suddenness of this event really grips the reader, as there is a dramatic change in plot in such a small part of text. All of the description gives the reader a detailed picture of what the scene is like and helps to understand how Scrooge could have been feeling. In the 1800s the butcher would have animals hanging up in the shop, no pre cut, packaged meat. 1800s shops would be a lot different to what they are today, so it also gives the reader an insight to what a Christmas used to be like. All of this food could represent the wealth which Scrooge has, as it is the Ghost of Christmas Present. The spirit points out to Scrooge a boy and a girl whos family do not have much money, but still manage to stay happy. They were a boy and a girl. Yellow, meagre, ragged, scowling, wolfish but prostrate too, in their humility. The ragged description of the children shows the family do not have much money. Despite this the children still manage to remain humble and humane. Dickens has shown the children are happy with what they have through a lot of description, mainly adjectives, at the time when it was written children had to live through poverty, so the description is extremely relevant. The spirit points out how they have no money but are happy, and that he is rich and remains full of grumpiness, signalling to Scrooge money is not everything. ________________________________ The last of the three spirits, is the ghost of Christmas Yet to Come. This spirit is the most noticeable from the rest. The spirit has no speech at all but communicates to Scrooge through simple action such as pointing. No speech confuses Scrooge and he starts to fear the ghost. Dickens has personified death for the spirit, this is represented in the way he looks and his general movements. The phantom slowly, gravely, silently approached. Death comes with no warning. It is inevitable and can happen in a flash with no warning what so ever, so death could be described as silent. The word slowly could be used to give the significance of from the time your born, to the time you die, it is a long time. At the present day we maybe wouldnt say gravely but it contains context to what was happening at that point during the novel. The phantom does not speak, wears a black garment from head to toe, if you saw this kind of being gravely walking towards you, you would not believe it is alive but the supernatural. This really evokes fear into Scrooge and makes him think really what he has become. To the reader this also builds up suspense and tension to what the spirit is going to do to Scrooge. Dickens has presented the final spirit so it has a clear representation to the grim reaper. It was shrouded in a deep black garment, which concealed its head, its face, its form, and left nothing of it visible save one outstretched hand. The grip reaper wears a black garment, with its face not visible, and so does The Ghost of Christmas Yet to Come. A clear comparison can be made. The term the Grim Reaper came around after the 15th century, so Dickens may have taken ideas from that. Scrooge had more than likely heard of the Grim Reaper, so he might of thought thats what had visited him. What the spirit didnt say, Scrooge got the messages through the spirits actions. The Ghost of Christmas Yet to Come had a clear effect on Scrooge as he is terrified of the spirit. Scrooge feared the silent shape so much that his legs trembled beneath him. The spirit has a very frightening appearance and is used to help Scrooge think about what he has done. Scrooge is completely terrified by the ghost, it strikes fear into him and almost forces him to think differently. The final spirit rounds of the work of the first two, and cements in the ideas he has come across because of the spirits. The work of the three spirits changes Scrooges attitude to Christmas and to those who are less fortunate as he is. He becomes a very generous person, giving his clerk a pay rise, giving a lot of money to charity, sends Christmas meals to unsuspecting recipients and most of all and most important he revitalises his true Christmas spirit. By writing A Christmas Carol, I feel Dickens was trying to send a clear message out to society. In 1843 there were two levels of social status, the poor and the rich. Dickens had experienced both, so he knew what a small difference could make. He was trying to join the poor and the rich, so everybody could live a joyful and happy Christmas. When the book was published it re-birthed the low Christmas spirit, it also started Christmas conditions such as general good will to all. I think The Ghost of Christmas Past affected Scrooge the most, as sees how he used to live and compares it to how he lives now. Dickens uses a different technique for this spirit, he uses a big method of using the senses to represent Scrooges past memories. Along with the senses, Dickens long and intense descriptions help the reader picture the situation Dickens was trying to create. I feel overall the best technique was the description of the spirits. Dickens varies techniques make the novel much more exciting and give the book a much better flow. Different methods are needed because the different spirits have different ways of explaining to Scrooge that he must change his ways. For example, The Ghost of Christmas Past has a few similes whilst The Ghost of Christmas Yet to Come has no speech.

Electronica Essay -- Music Musical History Essays

Electronica Electronica is a term coined to describe a relatively new genre of music. This type of music generally revolves around maniplating music in a digital and analog sense. Over time, as technology has improved, the growth of computers and other electronic musical instruments, such as synthesizers, and drum machines has greatly increased the capabilities of electronica. The very first instances of "electronica" were created by the ancient Greeks, who with their intrinsic ingenuity created machines for this very purpose. In the 2nd century, B.C., the Hydraulis was invented a Greek who was fascinated by pneumatics. He was an expert on the use of hydraulic systems for powering mechanical devices, and his most famous invention, the Hydraulis, used water to regulate the air pressure inside an organ. In this device , a set of pumps forced air into the organ, that was channeled to create sound. Later, mechanical instruments evolved, such as the Greek Aeolian harp, the hurdy-gurdy, and fully mechanical organs. Also by this time, Pythagoras, the famous Greek mathematician, also discovered numerical ratios which corresponded to intervals on the musical scale, or as we know them today, octaves. The modern age of electronica finally started, as great American inventors Thomas Edison and Alexander Graham Bell invent new devices that could transmit and record sounds. In 1877, Thomas Edison invented the phonograph. To record, an indentation on a moving strip of paraffin coated paper tape was made by means of a diaphragm with an attached needle. This mechanism eventually lead to a continuously grooved, revolving metal cylinder wrapped in tin foil. Then, In 1880, Alexander Graham Bell devised and patented several means for tra... ... made them a target of more conservative groups who believe they have lost the original vision of techno. I cannot disagree more with these groups, since the music that they enjoy is in my opinion, some of the worst NOISE ever created in human history, along with teen angst Punk, and of course, American "Patriotic" Country. The basic premise of electronica was to add a danceable element to music. It has been wildly successful as can be observed by listening to almost any pop artist. In recent times, these kinds of "sugar" pop groups became so popular that eventually there is a negative reaction to all such dance music. But sooner or later a "fun" element will come back into vogue. Bibliography http://www.geocities.com/EnchantedForest/Meadow/8887/elect/ http://www.jam2dis.com/j2delectronicadef.htm http://gaga.essortment.com/historyofelect_rdmu.htm

Financial Management for Young Adults Essay

High credit card debt and student loan repayment have been seen to cause inconveniences to the young adults just because of lack of proper preparedness and awareness, when it comes to dealing with such matters of financial management. (Giuseppe, 2012) tells us that mental health professions perceive money to be corrupting people and that it is not right to have too much of it. With adequate management skills, this statement could be turned around such that the available money is used to help the young adults in managing their finances, however little or much and getting out of the hook of high credit debts and other similar situations. Kapoor, 2011) explains how appropriate knowledge, skills and decision making abilities are key essentials in managing finances. Starting from a tender age, matters of money management can be taught at school and the students will tend to learn more as they proceed to other higher grades. Influence from parents is also seen to be important as it can be a determinant factor in wooing the children to managing their finances correctly. Other innovative activities can also be used to make sure that these young adults know how to go about money issues. We see how awareness can help improve the situation of our young adults as it helps them to be well equipped in dealing with any of such debt issues. Other loan repayment organizations such as America’s Debt Help Organization have played an important role in helping young adults deal with debts and loan repayments. All that one needs to do is to register with such organizations and table your urgency to them. The better part is that, they are available online and anyone can connect to them from any part of the world. Understanding Financial Management  Financial management is the planning, organizing, directing and monitoring the manner in which you use your finances. The elements of financial capability and how it impacts on life successes especially on young adults are based on certain conditions as reported by Soyeon & Joyce (2011) (i) Financial socialization whereby parents are the determinant factor in helping their children to being financially capable adults. The young adults tend to listen to their parents more than even how they pay attention to their teachers at school. Every child believes that their parents are always right and they cannot instill in them something of no value but will strive to give them the best. Once they buy the idea, then they would start looking at financial management positively and this will continue to uplift their awareness regarding finances. (ii) Cumulative education which emphasizes on the ongoing learning education at school. This can impact financial management skills to the young adults who are still at school and enable them to know more about finances. This will also reduce the chances of incurring unnecessary credit card debt, but increase their knowledge in money savings. With this, they will be aware of the benefits of accessing basic necessities like rental housing, savings accounts and other important needs in life. Starting to teach these young students as early as possible will help them grow with the information at heart and even influence how they will manage their finances later on in life and throughout their lives. Starting early also gives them ample time to grow and know more about finances as they develop from stage to stage. Soyeon & Joyce (2011) explains that if young adults are exposed to ongoing financial education, then they gain more financial knowledge and this is found to increase their financial responsibility and behavior when still young, thereby shaping them to be responsible adults later on in life. All these aim to raise self awareness and positive behaviors towards financial management for the young adults. Recent studies have proved that if key financial education concepts are introduced early in school, then that foundation continues to be built consistently (Mansfield & Pinto, 2008). Opportunities where young adults practice how to manage their money could also be done through innovative learning and this could serve as a platform to start financial management skills. With this, they would have learnt physically and be in a position to handle any concepts while still at school. Concepts like simulation would enable students interact with various financial products and services and this in turns sharpens their decision making skills due to effectiveness and improved retention. Parents also play an important role in mentoring these young adults and hence discussion topics on finance management should be encouraged at home, to enable them fully understand these concepts. Parents are more influential as a resent research from Arizona Pathways to Success for University Students found out. The nature of relationship between parents and children are becoming peer-like and that, the value of their relationship continues to grow as a result of this (Serido, 2012). Parents are active in supporting their children in other academic projects and learning in general. This attitude should be extended to help nature these children in matters of financial management such that even as they grow, they know that finances is part of them. Personal financial management is one area that needs planning especially for young adults who are still in school and even for those who have just completed schooling. If personal finances are well planned, it leads to accomplished goals such as settling school loan repayment. Distinguish between the short and long term personal financial goals and know which one to prioritize (Madura, 2010). School loan repayment plan could be categorized as long term as compared to setting an emergency fund. With an estimate of how much you expect to save, you will be getting clearer perception of your financial goals. (Madura, 2010), Financial goals should be realistic. Don’t deceive yourself or be over optimistic as this may lead to disappointment. Or rather, dream of what is within your reach as a young adult and work hard, in order to achieve it. You can even be involved in part time employment where you can get small savings and later plan with it. Determine the type of action you take in setting up your financial goals. Kapoor (2011) says students have many different financial goals, but none are more important than having a basic understanding of financial issues and peace of mind with regard to their decisions. The ultimate goal of Focus on Personal Finance is to get students to this point as a first step to achieving the many financial goals they have set for themselves. Once these goals are set, you will be able to manage yourself such that if you want to reduce credit card debt, you automatically reduce the use of credit and this, will help lessen the burden of unnecessary debts. Everything set within a time frame will also help one achieve his or her goals as planned. Working with time enables one to be on his or her toes and limits prolonged loan repayment, which could accrue more interest as compared to limited time frames. Causes of poor Financial Management Lack of proper financial skills and knowledge are the major causes of poor financial management among the young adults. (Torabi, 2010) guides the young professionals to take control of their money in order to learn how to live independently with more comfort. Schools do not teach young people about personal finance. Therefore, if respective organizations could come out and take this matter into their hands, then the young could have direction about personal finance. As regard to parents, they do not know how to enlighten their young adults about money and managing finances. This has been the major cause of financial management problem because these young adults do not get substantial training and skills concerning money issues. The other problem results from more complex financial marketplace, because most of the young adults do not know where to turn to when looking for savings providers and other financial products and services. As explained by Mansfield & Pinto (2008) that financial literacy of high school students is very low as neither parents nor teachers are showing them the way on how to manage their finances. This puts the young adults at a difficult point when need arises and they have to settle their debts by themselves. More so, when one is starting his or her own life, it turns out that they are not sure of what to do whenever they are faced with challenging budgets. Organizations which deal with issues of money management should work hard towards providing guidelines and enough resources on financial decisions, to help boost their knowledge on financial management. Various lessons can be used to help the young adults be able to utilize their finances in a more effective manner, in order to evade the high degree of debts which at times are not easy to pay off. Solutions As a worrying trend, it is necessary to involve students at school into programs that can help them deal with financial obligations, so that the issue of coupling with high debts is minimized. Mansfield & Pinto (2008) explain credit card knowledge and how many students do not know the concept of their credit cards. Several precautions can be taken to enable these young adults manage their credit cards and avoid unnecessary debts. Keeping a credit card active will help you score numerous points. It is reported that, registering for mobile alerts helps one to monitor his or her credit card transactions and helps one to have the necessary information when need arises. (Madura, 2010). Dealing with debt is not so comfortable especially for the young adults. It would therefore be advisable to always use a debit card if one wants to avoid debts. This will enable one to get used to using a debit card which is the better option, in respect to handling their finances well without getting into unnecessary debts. It is advisable to be involved with debts only if you have clear means and plans of refunding it back without too much strain. Otherwise, it is a wise idea to operate without debts so as to limit the chances of overspending. Savings is another solution which the young adults can opt for, as Torabi (2010) encourages the young to be realistic and prepare for risks which occur from time to time. These savings are crucial in cases of emergencies, especially for young adults who want to start life and live independently. By this, they will have an easy time in managing their finances and taking control of the unexpected. Saving is also regarded as the first step into investments because it gives you the chance to keep some money aside to be used for emergencies, or for other better things other than the usual spending. One can either have the option of operating a savings account or money market account. These enables one to access money whenever he or she needs it and at the same time, earns interest. This is a cheaper option as there are usually no fees if you decide to keep a minimum balance which keeps it in operation. Partnering with certain banks is another solution to curb the rise of financial management illiteracy among the young adults. In here, collaboration of schools with credit unions and banks have seen the young take a positive stand at working out their financial obligations while managing such accounts (Giuseppe, 2012). They learn more from school financial education and become more conversant with financial products and services, as they would have known and learnt financial skills from a more practical point of view. Joining non school based learning also enables these young adults to have ample time for financial discussion, whose norm is taken away from the normal setup of a classroom. These groups have continued to enlighten the young adults and encourage them on matters of managing personal finances (Mansfield & Pinto, 2008). Financial to the youth has now been made possible and understandable, especially through tailored programs and other means of learning which can are easily accessed by students. Financial entertainment through online is the next criteria in dealing with financial management illiteracy. This has provided a chance for the young adults to participate in online training, mobile gaming and other interesting methods through the network. Young adults can also settle for loan repayment programs which will help in eliminating some or all of the student loans. This move could see young adults start their independence lives with less burden and debts. Unfortunately, many graduates are not aware of such schemes as explained by Giuseppe (2012) and this is the point where respective organizations should come in to help elevate the burden of school loan repayments and debts. These programs give additional funds to the young adults, which they can then use to resettle their school loans in good time. Young adults do not have to wait until they are through with school to start looking for employment. There are part time jobs that can help subsidize these loans to avoid having a huge junk when you are through with schooling. Several researchers have explained how there are a rise in students who work part time in order to meet their financial obligations, as compared to the previous years when almost every student was a full time based student. This explains why young adults must quickly develop financial decision making skills to manage other responsibilities that arise from today’s changing economic landscape, as we are told by Serido (2012). Working and studying at the same time may not be easy but what matters is the long term financial gains that result from it. This trend however, can help in clearing your school loan faster enough and get time to start your independent life once you are through with schooling. If everything works out as planned, within the stipulated time frame, then it is worth the effort of studying and working all at the same time. In such a scenario, we find out that time is well utilized and at the same time, one moves on quite quickly as compared to studying, then looking for employment later on. For those who want to start living independently, and are in dire need of various assets, could go for a compensation package at their workplace. It was realized that some companies cannot pay huge salaries but just offer low wages in exchange for your loan repayment (Torabi, 2010). In this way, you as an employee will benefit as your loan will eventually be paid while you get some salary as well. The employer also benefits as he or she spends less in salary payments. This idea works best when brought up during salary negotiations so that, the employer is well informed and knows that you will be committed at the work place for as long as there is an exchange for your student loan payment. Conclusion As reported by Soyeon & Joyce (2011) that today’s youth financial security rests on one’s own shoulder. This implies that it is personal responsibility for the young adults to make sure that their financial practices bring forth better results for tomorrow. This process is gradual and the earlier one starts to organize him or herself, the better. Awareness has been a hidden tool for most of the young adults but with more light on the table, these people are being enlightened on ways to manage their finances and know how to handle tough cases like debts. Parents are not to be left out in the entire process of preparing their children to be good managers of personal finance. Information is the key and the more these young adults keep on searching for information about money matters, the more they learn how to deal with personal finance management and how to avoid unnecessary debts and the like. It is our obligation as policy makers, teachers, parents and the rest to know the value of financial management and how it influences our daily life. A recent study by CFPB office of financial education policy, April 2013, encourages states to consider adding to the list, experiential learning to help equip our young ones with proper management skills, so as to enable them be better managers of their own personal finances. Understanding financial options should be another priority in trying to evade high paying loans. Less expensive loans could give these young adults an easy time in paying back, as compared to private or alternative student loans. A longer duration of payment could also enable these young adults to offset their debts as they will be able to budget with the little they have, instead of paying huge chunks of cash and being left with nothing to support themselves. Literacy to students alone may not bring the kind of impact that is needed. Having to extend financial literacy education to the students’ parents could help the society reach higher grounds, in matters concerning loan schemes and repayment. Campuses may not want to consider financial management education sessions for both incoming students and their parents during orientation. Resources which are available online could serve as a great tool in helping the parents understand and learn what they need to know about financial management and its impact on their children. Both online and class-room based learning have enabled the young from far and near, to learn more about finances and even choose their convenient time. This impact has been felt and even the degree of awareness has started to rise, as many young ones now have a hint on how to manage their finances.