Cultural Values And Its Impact On Identity - 907 Words

People has been trying to find their own identity throughout their lives. Identity, in fact, is a changing subject that are influenced by many different experiences and circumstances. Identity is the product of varieties of sources and is hard to return to its original shape. The society and the environment that people grow up in play major roles in impacting their identity. Changes in these environments create an ever-lasting changes in these identity. Identity slowly becomes concealed in order to help people better survive in their society. People’s real identity becomes hidden so that they can better cope with the changes in culture, learning experience, society’s expectations, and, stereotype. Sometimes, people have to hide their concerns and identity in order to obey cultural changes and avoid being culturally excluded. Culture impacts people’s background and values. Their culture plays a major role in determining who they are. Cultural practices and values may change as the culture goes through different experiences. However, there are times that these cultural values and practices become incorrect as they are changed. Yet, it is difficult for people to question these values and beliefs. For example, Terry Tempest Williams states that in â€Å"The Clan of One- Breasted Women† that â€Å"obedience is revered, and independent thinking is not† (546). Independent thinking are eliminated in order to avoid differences in opinions within the culture. Cultures appreciate obedienceShow MoreRelatedBan Increasing Independence With Limits1648 Words   |  7 Pagesparental discipline as one of the most important family risk factors for youth delinquency and viol ence. These and other authors point out that AI parents in recent generations have not had good role models for parental discipline due to the long-term impact of children having been taken from families and raised in boarding schools. These children, once parents themselves, were not able to draw from experiences of traditional parenting. Thus, while the establishment of consistent, age-appropriate disciplineRead MoreCulture And Identity : What Makes A Person Who They Are1351 Words   |  6 PagesCulture and identity could have numerous diverse definitions due to its nature of being â€Å"a composite of multiple integrated identities† (Samovar, Porter, McDaniel Roy, 2013, p. 216). As most would agree, culture is what makes a person who they are. The distinct relationship between identity and culture is one where they co-exist and correlate with one another. It is the assured characteristic that belongs to a person which makes them different from everyone else in the wor ld. Like a gene, it distinctivelyRead MoreEveryday Use By Alice Walker1698 Words   |  7 Pagesculture. To fully understand self-identity you need to investigate all the cultures you are included in your family and heritage. In the short story, â€Å"Everyday Use† Alice Walker takes a deep look into heritage. This story has a complicated relationships between the mamma and her two daughters. In this short story, it shows that your heritage will form your life. This will make you the person you are today. Culture is one of the most important part of self-identity. It contributes to how an individualRead More Shaping Identity Essay839 Words   |  4 Pages Shaping Identity Identity. What is identity? One will say that it is the distinct personality of an individual. Others will say that identity is the behavior of a person in response to their surrounding environment. At certain points of time, some people search for their identity in order to understand their existence in life. In regards, identity is shaped into an individual through the social trials of life that involve family and peers, the religious beliefs by the practice of certain faithsRead MoreThe Hidden Assault On Our Civil Rights1121 Words   |  5 Pagesculture, and shifting between the two cultures depending on his social physical environment. Yoshino attempts to play two identities by remain at the center of his social interaction but expresses the key challenges that are associated with preservation of authenticity in the midst of prevailing cultural stereotypes. This raises key questions about authenticity and its value in the society. In her article â€Å"Alone Together,† Tur kel observes that authenticity is increasingly losing its significanceRead MoreShaping Identity840 Words   |  4 PagesShaping Identity Identity. What is identity? One will say that it is the distinct personality of an individual. Others will say that identity is the behavior of a person in response to their surrounding environment. At certain points of time, some people search for their identity in order to understand their existence in life. In regards, identity is shaped into an individual through the social trials of life that involve family and peers, the religious beliefs by the practice of certain faithsRead MoreMulticultural Psychology Essay900 Words   |  4 Pagesin which people from different cultural backgrounds interact defines multicultural psychology. Many consider multicultural psychology a fourth force in psychology study. Communication, interactions, research, and investigations into human behaviors give insight into how different cultures interact socially and how they live among the different ethnic groups. Many issues have emerged in multicultural psychology. Two issues discussed in this paper, cultural identity and baby boomers, describe someRead MoreCultural Identity, I Believe, Is A Sense Of Belonging Or1078 Words   |  5 PagesCultural identity, I believe, is a sense of belonging or connection to a social group. It is a self-perception influenced through nationality, race, ethnicity, and religious affiliation – just to name a few. Highly similar to the description provided in the textbook, in which people may identify â€Å"with ethnic, religious, or national identity becoming increasingly dynamic and a matter of individual choice,† (Shiraev Levy, 2017, p.8) captivating the combination of different backgrounds, ideas, andRead MoreDiversity Issues in Career Counseling Essay755 Words   |  4 Pages Abstract This paper will give a brief overview of how bias, assumptions and diversity can impact the career counseling relationship. The impact of values, bias, and the ability to move beyond barriers in the counseling relationship is essential to successful outcomes in working with clients. The rationale for the appropriateness of multicultural counseling competency and the impact of culture in the counseling process will be discussed as will multicultural counseling in the frameworkRead MoreDiversity, Racial, And Cultural Factors1277 Words   |  6 Pages Multicultural competence is defined as acquiring the essential skills in order to interact successful with individuals of diverse cultural or ethnic backgrounds (Holcomb- Mc Coy Myers, 1999). Multicultural competency in counseling helps clinicians diminish the deeply rooted assumptions of a particular group and enables them understand their own values and gain a better perspective and empathy to successfully respond towards the needs of diverse populations. Clinicians are able to learn and recognize

Personal Networking Free Essays

Personal networking is a concept that has gained much relevance overtime it has especially been advanced by capitalism in that man tends to utilize labor from other as well as resources at his / her disposal to make ends meet. In the process it becomes important that one must often rely on peers and acquaintances in order to be successful in both social – economic arena as well as political arena. Although the term is controversial as at is mysterious, many explanations have surfaced. We will write a custom essay sample on Personal Networking or any similar topic only for you Order Now For instance there are those who argue that networking is morally wrong for it leads to marginalization or at least exemplifies it. In that regard those who take that view are opposed to networking concept mainly because it puts some people at disadvantage and this leads to inequality. For an instance in highly unprofessional business environments, job advertisements are not done appropriately. Therefore getting employed in such an environment requires one to have access to insider information on the company. This comes in the form of how networked one is. Networking simply refers to endless efforts of that are put to get connected or make connections for as to facilitate changes with other people or business. It actually involves knowing people as other businesses. It also entails developing communication process with these people and businesses. The communication involved here should be critical and of the accepted language that is persuasive and attracting should be encouraged. This attracts more people who in this are the customers as well as promoting god relationship with other businesses sometimes that leads to increase in profits and consequently success of the business. Networking involves exchanging, interacting and exchanging ideas or referrals, which it demands that trust must be, build between or among the involved parties. Networking is done anywhere for instance when tow people meet at a certain place they can decide to exchange their business cards. This can also happen to more than two people and it is very help full since incase one of them lands on to a job he/she can contact the others. Hence e networking is a very highly appreciated practice since it can alter these living standards. Networking is done al the time and is very essential especially when a newly established business is in need for a fast growth and success. It should network with the other businesses. The managers should network with those of other businesses so that they stand in a position of acquiring ideas that can help them cause tremendous growth to their businesses whenever they apply them. It should also seek to network with customers, offering quick and standard services so that the customers rest assures and trust the business in all its endeavors This will lead to customers recommending the business, which is simply networking. Through giving recommendations on the well services offered by the business, the customers will have networked with the business and more customers will chip in to benefit from the services. This way, the business will attain a fast growth since profits will be high. Networking is very important also for individuals who are engaged in provision of quality products or those who are involved in doing quality work. If these people really want success in their undertakings, they should interact with other people and give out their products. They will also in return get a lot of positive recommendations or reinforcement from the people and this is all what networking entails. Personal networking entails Personal networking is very important and can even help someone in finding a new job. As long as one has quality performance, one just need to reach out for those people who are in the highest ranks in the job and this will enable the person get a job easily. In order to network, one needs to know quite a lot of people, as well as establishing relationships with new people Businesses that practice networking establish very good relationship with the customers as well as the employers. Through networking, the businesses are able to reveal the services that they offer to their customers as well as how it operates. A good relationship between the business and the customers is established and this leads to fast growth of the business (Blyler, Roundy,1993). Through networking also, businesses are able to open up their suppliers and if for example the business is unstable, a consensus may be reached for the supplier to be collecting their dues after an agreed period of tie. This promotes fast growth of the business. Every business organization should have a well-established communication method for it to experience success. Communication is a very important tool in business since it is only through communicating that the business can access its suppliers as well as other business counterparts. It is also important since it helps the business to pass information to its customers for example information about change of location, change in costs, or even introduction of a new property or service in the business. There quite different methods of communication in any business organization. These may include (a) Written method of communication This is a method of communication that uses letters to pass information. It is useful especially for the deaf or those people who have hearing problems, though they can still use sign language. Written method of communication is effective since the message is conveyed very fast once it is read by a few people. Written method or simply use of letters can be essential both for internal communication as well as external communication. They can be used to communicate to workers on pay rises, disciplinary measures as well as promotions. They can also include use of diagrams but this mostly depends on the nature of the message. This method of communication is cheap since no electronics are used moreover, there is a record kept for reference purposes. It also contains a lot of information especially when use of figures is practiced. However, written method of communication can be sometimes unreliable since it can be distorted or get lost. There is also possibility of not reaching the addressed people and can also be inconvenient method especially when the information to be communicated is urgent. This is due to the fact it takes quite a lot of time to construct the letters. There is no evidence whether the message has been delivered and received by the concerned people unless the concerned provides feedback. Additionally, the written form of communication a lot uncertainties since in case of wrong information, the recipients reply to it as it is. (b) Visual method of communication According to, Spitzberg, and Cupach. (1984). This also keeps workers informed on what is going on within the business enterprise. It mainly consists of picture accompanied by text. The picture or diagram has a meaning that is intended to pass across. This method of communication is very time consuming especially in drawing the pictures and the diagrams. Wrong information is likely to be passed to the concerned people, for example where the person drawing the pictures is not well conversant with relating the intended message to be communicated and the picture to represent this. However, if the pictures are kept attractive and eye catching, (Asante, Gudykunst, 1989) they tend to draw attention of many people and if the message is well depicted in the pictures, then many people receives it. c) High tech method of communication. This simply refers to use of electronic communication, such as computers, televised pictures, e-mails, telephones as well as telex. It is a method that has facilitated communication process in terms of speed and reliance. For instance, use of e-mails in businesses for communicating takes a very short period of time and it is very reliable since an assurance that the intended recipients get the information is created. This method of communication is also used to reach people who are very far for example outside the country since there is a provision for Wide Area Network (WAN). This leads to attraction of customers from far and wide, who get to network with the business and hence success is achieved. In addition, accuracy is a very important element that is also achieved through use of this method as well as provision of immediate feedback. However, this method of communication is very expensive, for instance, it costs the business enterprise a lot of resources to buy computers, VDU screens as well as fixing telephones and telephone lines. Leiss, (1990) states that effective communication is the key factor that enhances administrative function. Effective communication simply refers to passing of the required messages to the intended recipients and ensuring that the messages reach the targeted people who are the recipients. It also entails use of the right communication channels that ensures which ensures that all the recipients have got the message as well as using the correct and the right language, which ought to be polite in passing messages. Administration is a very important practice in any business organization since it is through it that a peaceful working environment as well as an organized running of the organization is achieved. For the administrative functions to be satisfactorily met, effective communication should be encouraged. Guidelines to effective communication include: The urgency of the message to be communicated should be considered so as to be able to choose the effective method of communication. Here, very urgent messages should be communicated through High tech methods while those which are not urgent can be communicated through written methods. In order to communicate effectively, the administration also should consider the target or rather the audience. If for example, the target recipients of the message are deaf people, then the best methods of communications to be used are visual and written methods. Using oral communication in this scenario hinders communication and this leads to communication barrier, something that affects the business negatively leading to its collapse or losses. Effective communication is also achieved through realization and consideration of the other people’s interests, values as well as respect for their well being. This means that, no messages that demand people to do things that they cannot afford or are beyond their capabilities should be conveyed to the people(Stocklmayer, Gore, Bryant, 2001). Effective communication should also put into considerations the time when the message is being conveyed to the recipients. For instance, Messages that come from the administration at the closing hour of the business when most of the workers are in a rush to reach their respective homes or attend to other duties are most likely not to be given the required attention (Allen, 1987). This then leads to poor flow of messages within the hierarchy. However, messages that are released or passed to the recipients in the morning hours are likely to draw quite a lot of attention from the recipients. This leads to a very nice flow of information and the overall result is success to the business since coordination will be maintained. Conclusion. Personal networking is very useful and important. It is one of the most attributes that a person can use to reach higher levels of success for example when one secures a good job through his efforts in meeting and making new friends. Networking is also very essential in business for it is only the way through which the businesses get to be known by quite a lot of people who also become the customers and this translates to success. How to cite Personal Networking, Papers

HDFC Bank free essay sample

Private banking is a concept which is new and fast emerging in the world of banking where changes have become a necessity in order for banks to survive in this competitive environment vis-a-vis not only from the public and private sector banks but also from the foreign banks. The objective of the research is to explore the various products, which a private banker deals into and the systematic process involved to match client requirements with the right kind of product. Through this research one of the main objectives is to explore the reason why most of the banks are injecting private banking as business profile to their set of service offerings. Though private banking evolved in late 80’s in Asia, in India its not more than 15 years old. HDFC started it in Aug 1994 and since then it has been a remarkable success. Today there are enormous solutions to cater client needs but what suits best to a client is where private banking fits in. Every client will have different needs, liking and preferences. So a customized portfolio for every client is the need of the day. This research will highlight more on the product portfolio of HDFC Private Banking, how they have changed or innovatively structured to be attractive and competitive. Research objective 1. To identify the major attributes of customer satisfaction. 2. To study customer perception about HDFC BANK Ltd. 3. To identify and study the various ways of ensuring customer satisfaction adopted by HDFC. BANKING STRUCTURE IN INDIA Scheduled Banks in India (A) Scheduled Commercial Banks Public sector Banks Private sector Banks Foreign Banks in India Regional Rural Bank (28) (27) (29) (102) Nationalized Bank Other Public Sector Banks (IDBI) SBI and its Associates Old Private Banks New Private Banks (B) Scheduled Cooperative Banks Scheduled Urban Cooperative Banks (55) Scheduled State Cooperative Banks (31) Here we more concerned about private sector banks and competition among them. Today, there are 27 private sector banks in the banking sector: 19 old private sector banks and 8 new private sector banks. The banks which have been setup in the 1990s under the guidelines of the Narasimham Committee are referred to as NEW PRIVATE SECTOR BANKS. introduction The banking section will navigate through all the aspects of the Banking System in India. It will discuss upon the matters with the birth of the banking concept in the country to new players adding their names in the industry in coming few years. The banker of all banks, Reserve Bank of India (RBI), the Indian Banks Association (IBA) and top 20 banks like IDBI, HSBC, HDFC, ABN AMRO, etc. has been well defined under three separate heads with one page dedicated to each bank. However, in the introduction part of the entire banking cosmos, the past has been well explained under three different heads namely: History of Banking in India Nationalization of Banks in India Scheduled Commercial Banks in India The first deals with the history part since the dawn of banking system in India. Government took major step in the 1969 to put the banking sector into systems and it nationalized 14 private banks in the mentioned year. This has been elaborated in Nationalization Banks in India. The last but not the least explains about the scheduled and unscheduled banks in India. Section 42 (6) (a) of RBI Act 1934 lays down the condition of scheduled commercial banks. The descriptions along with a list of scheduled commercial banks are given on this page. HISTORY OF BANKING IN INDIA Without a sound and effective banking system in India it cannot have a healthy economy. The banking system of India should not only be hassle free but it should be able to meet new challenges posed by the technology and any other external and internal factors. For the past three decades Indias banking system has several outstanding achievements to its credit. The most striking is its extensive reach. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the remote corners of the country. This is one of the main reasons of Indias growth process. The governments regular policy for Indian bank since 1969 has paid rich dividends with the nationalization of 14 major private banks of India. Not long ago, an account holder had to wait for hours at the bank counters for getting a draft or for withdrawing his own money. Today, he has a choice. Gone are days when the most efficient bank transferred money from one branch to other in two days. Now it is simple as instant messaging or dial a pizza. Money have become the order of the day. The first bank in India, though conservative, was established in 1786. From 1786 till today, the journey of Indian Banking System can be segregated into three distinct phases. They are as mentioned below: Early phase from 1786 to 1969 of Indian Banks Nationalization of Indian Banks and up to 1991 prior to Indian banking sector Reforms. New phase of Indian Banking System with the advent of Indian Financial Banking Sector Reforms after 1991. To make this write-up more explanatory, I prefix the scenario as Phase I, Phase II and Phase III. Phase I The General Bank of India was set up in the year 1786. Next came Bank of Hindustan and Bengal Bank. The East India Company established Bank of Bengal (1809), Bank of Bombay (1840) and Bank of Madras (1843) as independent units and called it Presidency Banks. These three banks were amalgamated in 1920 and Imperial Bank of India was established which started as private shareholders banks, mostly Europeans shareholders. In 1865 Allahabad Bank was established and first time exclusively by Indians, Punjab National Bank Ltd. was set up in 1894 with headquarters at Lahore. Between 1906 and 1913, Bank of India, Central Bank of India, Bank of Baroda, Canara Bank, Indian Bank, and Bank of Mysore were set up. Reserve Bank of India came in 1935. During the first phase the growth was very slow and banks also experienced periodic failures between 1913 and 1948. There were approximately 1100 banks, mostly small. To streamline the functioning and activities of commercial banks, the Government of India came up with The Banking Companies Act, 1949 which was later changed to Banking Regulation Act 1949 as per amending Act of 1965 (Act No. 23 of 1965). Reserve Bank of India was vested with extensive powers for the supervision of banking in India as the Central Banking Authority. Phase II Government took major steps in this Indian Banking Sector Reform after independence. In 1955, it nationalized Imperial Bank of India with extensive banking facilities on a large scale especially in rural and semi-urban areas. It formed State Bank of India to act as the principal agent of RBI and to handle banking transactions of the Union and State Governments all over the country. Seven banks forming subsidiary of State Bank of India was nationalized in 1960 on 19th July, 1969, major process of nationalization was carried out. It was the effort of the then Prime Minister of India, Mrs. Indira Gandhi. 14 major commercial banks in the country was nationalized. Second phase of nationalization Indian Banking Sector Reform was carried out in 1980 with seven more banks. This step brought 80% of the banking segment in India under Government ownership. The following are the steps taken by the Government of India to Regulate Banking Institutions in the Country: 1949: Enactment of Banking Regulation Act. 1955: Nationalization of State Bank of India. 1959: Nationalization of SBI subsidiaries. 1961: Insurance cover extended to deposits. 1969: Nationalization of 14 major banks. 1971: Creation of credit guarantee corporation. 1975: Creation of regional rural banks. 1980: Nationalization of seven banks with deposits over 200 crore. After the nationalization of banks, the branches of the public sector bank India rose to approximately 800% in deposits and advances took a huge jump by 11,000%. Banking in the sunshine of Government ownership gave the public implicit faith and immense confidence about the sustainability of these institutions. Phase III This phase has introduced many more products and facilities in the banking sector in its reforms measure. In 1991, under the chairmanship of M Narasimham, a committee was set up by his name which worked for the liberalization of banking practices. The country is flooded with foreign banks and their ATM stations. Efforts are being put to give a satisfactory service to customers. Phone banking and net banking is introduced. The entire system became more convenient and swift. Time is given more importance than money. BANKS IN INDIA In India the banks are being segregated in different groups. Each group has their own benefits and limitations in operating in India. Each has their own dedicated target market. Few of them only work in rural sector while others in both rural as well as urban. Many even are only catering in cities. Some are of Indian origin and some are foreign players. All these details and many more is discussed over here. The banks and its relation with the customers, their mode of operation, the names of banks under different groups and other such useful information’s are talked about. One more section has been taken note of is the upcoming foreign banks in India. The RBI has shown certain interest to involve more of foreign banks than the existing one recently. This step has paved a way for few more foreign banks to start business in India. Major Banks in India ABN-AMRO Bank Abu Dhabi Commercial Bank American Express Bank Andhra Bank Allahabad Bank Bank of Baroda Bank of India Bank of Maharastra Bank of Punjab Bank of Rajasthan Bank of Ceylon BNP Paribas Bank Canara Bank Catholic Syrian Bank Central Bank of India Centurion Bank China Trust Commercial Bank Citi Bank City Union Bank Corporation Bank Dena Bank Deutsche Bank Development Credit Bank Dhanalakshmi Bank Federal Bank HDFC Bank HSBC HDFC Bank IDBI Bank Indian Bank Indian Overseas Bank IndusInd Bank ING Vysya Bank Jammu Kashmir Bank JPMorgan Chase Bank Karnataka Bank Karur Vysya Bank Laxmi Vilas Bank Oriental Bank of Commerce Punjab National Bank Punjab Sind Bank Scotia Bank South Indian Bank Standard Chartered Bank State Bank of India (SBI) State Bank of Bikaner Jaipur State Bank of Hyderabad State Bank of Indore State Bank of Mysore State Bank of Saurastra State Bank of Travancore Syndicate Bank Taib Bank UCO Bank Union Bank of India United Bank of India United Bank Of India United Western Bank UTI Bank Fact Files of Banks in India The first, the oldest, the largest, the biggest, get all such types of information’s about Banking in India in this section. The first bank in India to be given an ISO Certification Canara Bank The first bank in Northern India to get ISO 9002 certification for their selected branches Punjab and Sind Bank The first Indian bank to have been started solely with Indian capital Punjab National Bank The first among the private sector banks in Kerala to become a scheduled bank in 1946 under the RBI Act South Indian Bank Indias oldest, largest and most successful commercial bank, offering the widest possible range of domestic, international and NRI products and services, through its vast network in India and overseas State Bank of India Indias second largest private sector bank and is now the largest scheduled commercial bank in India The Federal Bank Limited Bank which started as private shareholders banks, mostly Europeans shareholders Imperial Bank of India The first Indian bank to open a branch outside India in London in 1946 and the first to open a branch in continental Europe at Paris in 1974 Bank of India, founded in 1906 in Mumbai The oldest Public Sector Bank in India having branches all over India and serving the customers for the last 132 years Allahabad Bank The first Indian commercial bank which was wholly owned and managed by Indians Central Bank of India Bank of India was founded in 1906 in Mumbai. It became the first Indian bank to open a branch outside India in London in 1946 and the first to open a branch in continental Europe at Paris in 1974. PUBLIC SECTOR BANKS Among the Public Sector Banks in India, United Bank of India is one of the 14 major banks, which were nationalized on July 19, 1969. Its predecessor, in the Public Sector Banks, the United Bank of India Ltd. , was formed in 1950 with the amalgamation of four banks viz. Camilla Banking Corporation Ltd. (1914), Bengal Central Bank Ltd. (1918), Camilla Union Bank Ltd. (1922) and Hooghly Bank Ltd. (1932). Oriental Bank of Commerce (OBC), Government of India Undertaking offers Domestic, NRI and Commercial banking services. OBC is implementing a GRAMEEN PROJECT in Dehradun District (UP) and Hanumangarh District (Rajasthan) disbursing small loans. This Public Sector Bank India has implemented 14 point action plan for strengthening of credit delivery to women and has designated 5 branches as specialized branches for women entrepreneurs. The following are the list of Public Sector Banks in India Allahabad Bank Andhra Bank Bank of Baroda Bank of India Bank of Maharastra Canara Bank Central Bank of India Corporation Bank Dena Bank Indian Bank Indian Overseas Bank Oriental Bank of Commerce Punjab Sind Bank Punjab National Bank Syndicate Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank List of State Bank of India and its subsidiary, a Public Sector Banks State Bank of India State Bank of Bikaner Jaipur State Bank of Hyderabad State Bank of Indore State Bank of Mysore State Bank of Saurastra State Bank of Travancore PRIVATE SECTOR BANKS: Private banking in India was practiced since the beginning of banking system in India. The first private bank in India to be set up in Private Sector Banks in India was IndusInd Bank. It is one of the fastest growing Bank Private Sector Banks in India. IDBI ranks the tenth largest development bank in the world as Private Banks in India and has promoted world class institutions in India. The first Private Bank in India to receive an in principle approval from the Reserve Bank of India was Housing Development Finance Corporation Limited, to set up a bank in the private sector banks in India as part of the RBIs liberalization of the Indian Banking Industry. It was incorporated in August 1994 as HDFC Bank Limited with registered office in Mumbai and commenced operations as Scheduled Commercial Bank in January 1995. ING Vysya, yet another Private Bank of India was incorporated in the year 1930. Bangalore has a pride of place for having the first branch inception in the year 1934. With successive years of patronage and constantly setting new standards in banking, ING Vysya Bank has many credits to its account. List of Private Banks in India Bank of Punjab Bank of Rajasthan Catholic Syrian Bank Centurion Bank City Union Bank Dhanalakshmi Bank Development Credit Bank Federal Bank HDFC Bank HDFC Bank IDBI Bank IndusInd Bank ING Vysya Bank Jammu Kashmir Bank Karnataka Bank Karur Vysya Bank Laxmi Vilas Bank South Indian Bank United Western Bank INDIAN BANKING INDUSTRY The Indian banking market is growing at an astonishing rate, with Assets expected to reach US$1 trillion by 2010. An expanding economy, middle class, and technological innovations are all contributing to this growth. The country’s middle class accounts for over 320 million People. In correlation with the growth of the economy, rising income levels, increased standard of living, and affordability of banking products are promising factors for continued expansion. The Indian banking market is growing at an astonishing rate, with Assets expected to reach US$1 trillion by 2010. An expanding economy, middle class, and technological innovations are all contributing to this growth. Source: The Indian banking Industry is in the middle of an IT revolution, Focusing on the expansion of retail and rural banking. Players are becoming increasingly customer centric in their approach, which has resulted in innovative methods of offering new banking products and services. Banks are now realizing the importance of being a big player and are beginning to focus their attention on mergers and acquisitions to take advantage of economies of scale and/or comply with Basel II regulation. â€Å"Indian banking industry assets are expected to reach US$1 trillion by 2010 and are poised to receive a greater infusion of foreign capital,† says Prathima Rajan, analyst in Celents banking group and author of the report. â€Å"The banking industry should focus on having a small number of large players that can compete globally rather than having a large number of fragmented players. \ WE UNDERSTAND YOUR WORLD Type : Public (BSE: 500180, NYSE: HDB) Founded : 1994 Headquarters : Mumbai, India Industry : Banking Insurance Capital Markets and allied Industries Products : Financial services. Website : www. hdfcbank. com Key people : Jagdish kapoor (Chairman) OVERVIEW The Housing Development Finance Corporation Limited (HDFC) was amongst the first to receive an in principle approval from the Reserve Bank of India (RBI) to set up a bank in the private sector, as part of the RBIs liberalization of the Indian Banking Industry in 1994. The bank was incorporated in August 1994 in the name of HDFC Bank Limited, with its registered office in Mumbai, India. HDFC Bank commenced operations as a Scheduled Commercial Bank in January 1995. HDFC is Indias premier housing finance company and enjoys an impeccable track record in India as well as in international markets. Since its inception in 1977, the Corporation has maintained a consistent and healthy growth in its operations to remain the market leader in mortgages. Its outstanding loan portfolio covers well over a million dwelling units. HDFC has developed significant expertise in retail mortgage loans to different market segments and also has a large corporate client base for its housing related credit facilities. With its experience in the financial markets, a strong market reputation, large shareholder base and unique consumer franchise, HDFC was ideally positioned to promote a bank in the Indian environment. HDFC Bank began operations in 1995 with a simple mission : to be a â€Å" World Class Indian Bank. † We realized that only a single mindedfocus on product quality and service excellence would help us get there. Today, we are proud to say that we are well on our way towards that goal. The Bank’s staffing needs continued to increase during the year particularly in the retail banking businesses in line with the business growth. Total number of employees increased from 14878 as of March31,2006 to 21477 as of March 31, 2007. The Bank continues tofocus on training its employees on a continuing basis, both on the joband through training programs conducted by internal and externalfaculty. The Bank has consistently believed that broader employee ownership of its shares has a positive impact on its performance and employee motivation. The Bank’s employee stock option scheme so far covers around 9000 employees. It is more important for every organization to know about from where and where to spent money. And balanced between these two things rupee earned and rupee spent are required for smooth running of business and financial soundness. This type of watch can control and eliminate the unnecessary spending of business. In this diagram it include both things from where Bank earned Rupee and where to spent. HDFC BANK earned from the ‘Interest from Advances’ 51. 14 % ,‘Interest from Investment’ 27. 12 %, bank earned commission exchange and brokerage of 15. 25 %. These are the major earning sources of the bank. Bank also earned from the Forex and Derivatives and some other Interest Income. Bank spent 39. 75 % on Interest Expense, 30. 27 % on Operating Expense and 14. 58 % on Provision. Bank also spent Dividend and Tax on dividend, Loss on Investment , Tax. As we discuss above that balancing is must between these two for every organization especially in the era of globalization where there are stiff competition among various market players. The combined entity would have a nationwide network of 1167 branches; a strong deposit base of around Rs. 1,22,000 crores and net advances of around Rs. 89,000 crores. The balance sheet size ofthe combined entity would be over Rs. 1,63,000 crores. On March 27, 2008, the shareholders of the Bank accorded their consent to a scheme of amalgamation of Centurion Bank of PunjabLimited with HDFC Bank Limited. The shareholders of the Bank approved the issuance of one equity share of Rs. 10/- each of HDFC Bank Limited for every 29 equity shares of Re. 1/- each held in Centurion Bank of Punjab Limited. This is subject to receipt of Approvals from the Reserve Bank of India, stock exchanges and Other requisite statutory and regulatory authorities. The shareholders Also accorded their consent to issue equity shares and/or warrants convertible into equity shares at the rate of Rs. 1,530. 13 each to HDFC Limited and/or other promoter group companies on preferentialbasis, subject to final regulatory approvals in this regard. The Shareholders of the Bank have also approved an increase in theauthorized capital from Rs. 450 crores to Rs. 550 crores. Promoted in 1995 by Housing Development Finance Corporation (HDFC), Indias leading housing finance company, HDFC Bank is one of Indias premier banks providing a wide range of financial productsand services to its over 11 million customers across hundreds of Indian cities using multiple distribution channels including a pan-India network of branches, ATMs, phone banking, net banking and mobile banking. Within a relatively short span of time, the bank has emerged as a leading player in retail banking, wholesale banking, and treasury operations, its three principal business segments. The banks competitive strength clearly lies in the use of technology and the ability to deliver world-class service with rapid response time. Over the last 13 years, the bank has successfully gained market share in its target customer franchises while maintaining healthy profitability and asset quality. As on March 31, 2008, the Bank had a network of 761 branches and 1,977 ATMs in 327 cities. For the year ended March 31, 2008, the Bank reported a net profit of INR 15. 90 billion (Rs. 1590. 2crore),up 39. 3%, over the corresponding year ended March 31, 2007. As of March 31, 2008 total deposits were INR 1007. 69 billion,(Rs. 100,769 crore) up 47. 5% over the corresponding year ended March 31, 2007. Total balance sheet size too grew by 46. 0% to INR 1,331. 77 billion (133177 crore). Leading Indian and international Publications have recognized the bank for its performance and Quality ACHIEVEMENT IN 2007 Business Today-Monitor Group survey One of Indias Most Innovative Companies Financial Express-Ernst Young Award Best Bank Award in the Private Sector category Global HR Excellence Awards Asia Pacific HRM Congress: Employer Brand of the Year 2007 -2008 Award First Runner up, many more Business Today Best Bank Award Dun Bradstreet – American Express Corporate Best Bank Award 2007 Corporate Best Bank Award The Bombay Stock Exchange and Nasscom Foundations Business for Social Responsibility Awards 2007 Best Corporate Social Responsibility Practice Award Outlook Money NDTV Profit Best Bank Award in the Private sector category. The Asian Banker Excellence in Retail Financial Services Awards Best Retail Bank in India Asian Banker HDFC BANK Managing Director Aditya Puri wins the Leadership Achievement Award for India HDFC BANK PRODUCT AND CUSTOMER SEGMENTS PERSONAL BANKING Loan Product Deposit Product Investment Insurance Auto Loan Loan Against Security Loan Against Property Personal loan 2-wheeler loan Commercial vehicles finance Home loans Retail business banking Tractor loan Working Capital Finance Construction Equipment Finance Health Care Finance Education Loan Gold Loan Saving A/c Current A/c Fixed deposit Demat A/c Trading A/c Safe deposit locker Mutual Fund Bonds Knowledge Centre Insurance General and Health Insurance Equity and Derivatives Mudra Gold Bar Cards Payment Services Access To Bank Credit Card Debit Card Prepaid Card Forex Services Product Services Trade Services Forex service Branch Locater RBI Guidelines Net Safe Merchant Prepaid Refill Bill pay Visa Bill pay InstaPay DirectPay VisaMoney Transfer e–Monies Electronic Funds Transfer Online Payment of Direct Tax NetBanking OneView InstaAlert MobileBanking ATM Phone Banking Email Statements Branch Network WHOLESALE BANKING Corporate Small and Medium Enterprises Financial Institutions and Trusts Funded Services Non Funded Services Value Added Services Internet Banking Funded Services Non Funded Services Specialized Services Value added services Internet Banking BANKS Clearing Sub-Membership RTGS – sub membership Fund Transfer ATM Tie-ups Corporate Salary a/c Tax Collection Financial Institutions Mutual Funds Stock Brokers Insurance Companies Commodities Business Trusts NRI SERVICES Accounts Deposits Remittances Rupee Saving a/c Rupee Current a/c Rupee Fixed Deposits Foreign Currency Deposits Accounts for Returning Indians North America UK Europe South East Asia Middle East Africa Others Quick remit IndiaLink Cheque LockBox Telegraphic/ Wire Transfer Funds Transfer Cheques/DDs/TCs Investment Insurances Loans Mutual Funds Insurance Private Banking Portfolio Investment Scheme Home Loans Loans Against Securities Loans Against Deposits Gold Credit Card Payment Services Access To Bank NetSafe BillPay InstaPay DirectPay Visa Money Online Donation NetBanking OneView InstaAlert ATM PhoneBanking Email Statements Branch Network BUSINESS STRETEGY HDFC BANK mission is to be A World Class Indian Bank, benchmarking themselves against international standards and best practices in terms of product offerings, technology, service levels,risk management and audit compliance. The objective is to build sound customer franchises across distinct businesses so as to be a preferred provider of banking services for target retail and wholesale customer segments, and to achieve a healthy growth in profitability, consistent with the Banks risk appetite. Bank is committed to do this while ensuring the highest levels of ethical standards, professional integrity, corporate governance and regulatory compliance. Continue to develop new product and technology is the main business strategy of the bank. Maintain good relation with the customers is the main and prime objective of the bank. HDFC BANK business strategy emphasizes the following : Increase market share in India’s expanding banking and financial services industry by following a disciplined growth strategy focusing on quality and not on quantity and delivering high quality customer service. Leverage our technology platform and open scaleable systems to deliver more products to more customers and to control operating costs. Maintain current high standards for asset quality through disciplined credit risk management. Develop innovative products and services that attract thetargeted customers and address inefficiencies in the Indian financial sector. Continue to develop products and services that reduce bank’s cost of funds. Focus on high earnings growth with low volatility. TECHNOLOGY USED IN HDFC BANK In the era of globalization each and every sector faced the stiff competition from their rivals. And world also converted into the flat from the globe. After the policy of liberalization and RBI initiatives to take the step for the private sector banks, more and more changes are taking the part into it. And there are create competition between the private sector banks and public sector bank. Private sector banks are today used the latest technology for thedifferent transaction of day to day banking life. As we know that Information Technology plays the vital role in the each and every industries and gives the optimum return from the limited resources. Banks are service industries and today IT gives the innovative Technology application to Banking industries. HDFC BANK is the leader in the industries and today IT and HDFC BANK together combined they reached the sky. New technology changed the mind of the customers and changed the queue concept from the history banking transaction. Today there are different channels are available for the banking transactions. We can see that the how technology gives the best results in the below diagram. There are drastically changes seen in the use of Internet banking, in a year 2001 (2%) and in the year 2009 ( 25%). These type of technology gives the freedom to retail customers. Centralized Processing Units Derived Economies of Scale Electronic Straight Through Processing Reduced Transaction Cost Data Warehousing , CRM Improve cost efficiency, Cross sell Innovative Technology Application Provide new or superior products HDFC BANK is the very consistent player in the New private sector banks. New private sector banks to withstand the competition from public sector banks came up with innovative products and superior service. RESEARCH METHODOLOGY Data Collection Techniques: This project consists of two parts. The first part is a study of the banking industry, HDFC Bank using secondary data sources. This secondary information has been sourced from the internet and from business related magazines and newspapers. The second part of the study has been done using an exploratory research process and a structured questionnaire was developed for this purpose. For the collection of primary data this was the only method used. The reason I used this method is because a need was felt for the free influx of information about the products. Also this method allowed the use of skills gained in class. Sample Design: The population considered for the purpose of the survey was people residing in Delhi and the National Capital Region (NCR). Sampling Technique Used: Since the information required was not of a very technical nature and also looking at the scope of the project and the extent of the target segment, the sampling technique employed was Convenience Sampling. I administered the questionnaires. Sample Size: I have restricted the sample size to 50 respondents. This was done keeping in mind the time constraints and the fact that I felt that this number would be enough to serve the information needs required to show the trends. Customer Satisfaction: Customer satisfaction is equivalent to making sure that product and service performance meets customer expectations. It is the perception of the customer that the outcome of a business transaction is equal to or greater than his/her expectation. Customer satisfaction occurs when the acquisition of products and /or services provides a minimum negative departure from expectations when compared with other acquisitions and when the marginal utility of a transaction is equal to or greater than preceding acquisitions. Customer satisfaction occurs when the perception of the reward from the purchase of goods or services by the customer meets or exceeds his/her perceived sacrifice. The perception is a consequence of matching past purchase and consumption experience with the current purchase. Customer Service and Satisfaction: When we talk about customer service and/or satisfaction, we talk about creativity. Creativity allows us to handle or diffuse problems at hand or later on rather in the process of conducting the everyday business. We talk about how, or what, does the organization have to do to gain not only the sale but also the loyalty of the customer. We want to know the payoff of the transaction both in the short and long term. We want to know what our customers Want? We want to know if our customers are satisfied. Satisfaction, Of course, means that what we delivered to a customer met the customer’s Approval.

What Is Romeo and Julliet about Essay Example

What Is Romeo and Julliet about Essay Most people know that Romeo and Julliet is a love play. They know that Romeo and Julliet meet and fall in love. Most people know that in the end Romeo and Julliet commite suicide because they cant be together forever so they feel they have to die. In the prolouge it tells us what will happen in very brief details but doesnt say they play ends in a tragedy. The prolouge tells us of a ancient grudge between two familys which turns even more bitter during the play becuase of what happens to Romeo and Julliet. The prolouge also says A pair of star crossed lovers take thier lives. This means the two lovers commite suicide. This is like fate becuase star crossed is like they where destined to be together. The prlouge tells us enough infomation to make us want to read it because you feel curious and you want to know what happens, if you dont already know. We first see the consequences of the ancient grudge in act1 scene 1 when Sampson and Gregory are joking about in the street. When the two men are jokeing about and Abram a Capulet enters onto the scene. Sampson turns to Gregory and says I will bite my thumb at them. Biting your thumb in shakesperes times was like swearing today and would of been taken as a insult. Abram did take it as a insult and they started fighting. Benvolio (a Capulte) was trying to make peace and stopped the fighting by saying Part you fools and getting his sword out and putting the fighters swords to the floor. Tybalt ( Julliets cousin) enters and Says What drawn and talk of peace? I hate the word, As i hate hell and all montagues. These are strong words and a massive brawl involving all the Capulets and Montagues brakes out. The fight brakes out over such a little manor and it was started by Sampson and Gregory. If Sampson wouldnt of biten his thumb at Abram then the fight would not of broken out in the fir st place. I think Sampson was trying to be all matcho but failed misrably because he chickened out in the fight and was really scared. We will write a custom essay sample on What Is Romeo and Julliet about specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on What Is Romeo and Julliet about specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on What Is Romeo and Julliet about specifically for you FOR ONLY $16.38 $13.9/page Hire Writer Everyone is ready for a fight apart from Benvolio. He trys to make the peace and stop what a fight happening. Benvolios character is portrayed as a peacefull young man and he would of made of trouce if it was not for Tybalt entering and provoking a brawl. My first impressions of Tybalt are that of a hatred, sick and rather uptight person in the Baz Luhram film but in the Zefferelli i think that Tybalt is more of a rich tofty person trying to out do everyone else and failing. He is rather matcho and wants to kill montagues so his family name can be strong. Tybalt says As i hate hell, all Montagues, and thee. These are rather strong lines and are powerfull to hear. If you would of heard that and you where a Montague you would of wanted to kill him and that is how the huge brawl erupted again. A actor playing Tybalt should say those lines in a powefull, slow, dark tone of voice. If the actor was close to another character staring at them saying them lines, Tybalt would come across as a sinister, evil person. Lord Capulet and Lord Montague try to join in the brawl but there wifes do not let them. Lord capulet says to his wife Give me my long sword ho!. Lord capulet wanted to join in the fight but his wife would not let him. This is shown well in the Baz Luhram film because they are driving along and Lord capulet wants his gun and Lady capulet blocks him from it. Lord Montague enters and says thou villian Capulet!- Hold me not, let me go. I think they are both rather sad becuase they are ment to be the heads of the family and they take orders from there wifes. Personnally i think they were both scared. This scene was best shown in the Zeffereli film because they where using swords and it looked quite authentic and showed the scenes true nature. Prince Escaluss men enter and try to stop the fight and pull the Capulets and Montagues apart. When Prince escalus delivers his speach he is even to both houses and says If you disturb our streets again, Your lives will pay for the forfiet. I think the Prince is doing a good job because he is trying to make the town a friendly place to live for all the non house hold people and if the only way he can do it is threatening the Capulets and Montagues then im all for it. It is hardfor Prince Escalus to control the violence of the ancient grudge becuase it stems so far back in both familys and each member of the house holds as been brought up to hate the oppsite house hold and Prince Escalus does a good job in trying to control it. The Capulets and Monatgues do not keep to Prince Escaluss word becuase in act 3 scene 1 Mercutio, Tybalt and Romeo all fight in the street becuase Romeo gate crashed the Capulets party. Act 3 scence 1 starts off by Mercutio and the Montague boys relaxing and joking about. Tybalt and the Caplute gang enter looking for Romeo. Romeo walks in and tybalt says to him Thou arta villain. This is a rather strong way to bring Tybalts character across because He uses such hatefull and strong words which shows his true hate for Monatgues. Romeo turns to Tybalt and says the reason that i have to love thee. Doth much excuse the aparting rage. Romeo is tryign to make friends with Tybalt because he has married Julliet but no-one else knows, Tybalt on the other hand thinks Romeo is mocking him and starts a fight. This scene is best shown in Baz Luhrams modern film because after Romeo has delivered the speach he sticks out his hand wanting to shake hands with Tybalt and Tybalt pushs him away. Tybalt asks Romeo to draw. Tybalt wants a shot off with Romeo becuase Tybalt feels that Romeo has dis-honoured the Capulet name. In the Bez Luhram film Romeo walks away and Tybalt chases after him and starts beating him. I think this a good directors desition because it shows hate and love in equal aspects. Mercutio sees Romeo getting beaten up so he goes and fights Tybalt and Tybalt kills Mercutio. When Mercutio gets hurt he says A plague aboth your houses. I think that Mercutio was one of the only people to see that the ancient grudge was nothing more than a silly argument and people are dieing because of it, Mercutio died because of it. After Tybalt kills Mercutio, Romeo is so Tromatised about his best friends death that he chases after Tybalt and kills him. This is silly because Tybalt would of been killed because of what Prince Ecalus said but Romeo was so badly in raged he went and killed him to get back his best friends honour. Mercutio and Tybalt get into a fight because Mercutio makes fun off Tybalt and the other capulets. I blaim Mercutio because if he wouldnt of said anything to Tybalt then he might not of got killed. Romeo enters before Mercutio and Tybalt start to get physical. Romeo doesnt start fighting because he doesnt want to fight becuase he has just got married but Tybalt wants to fight him and trys to fight Romeo but Romeo just takes the beating. Romeo says Villian am i none..Tybalt, the reason that i have to love thee, doth much excuse the greeting. Romeo says this because he has just got married to Julliet and is realted to Tybalt by marrage now. Romeo didnt want to fight Tybalt but Tybalt wanted to kill Romeo. Romeo couldnt tell Tybalt that he had married Julliet because Romeo and Julliet couldnt tell anyone they were married yet. I think that if Romeo would of told Tybalt that he had married Julliet then Tybalt might not of wanted to fight him because Romeo was now part of Tbalts family. Romeo is a peacefull character but his best friend mercutio ends up dead trying to protect him. When tybalt asks Romeo for a dual and Romeo walks away and Tybalt beats him up, Mercutio goes and pulls Tybalt away but Tybalt kills him. Romeo wasnt the reason that Mercutio got killed, he got killed helping out his best friend. You first see Romeos anger once Mercutio gets killed. He feels distrsaught but has to keep his friends honour and goes and kills Tybalt. In Baz lurham film Romeos anger is portrayed very will and he goes chasing him about in his car and shots him with his kind. In Zefferelli films once Mercutio has been killed Romeo runs after him. I think this doesnt show his anger as well as the modern day film because it doesnt portray his anger enough clearly. I think Romeo shows love for mercutio by killing tybalt because he wanted to avenge his friends life and he fault the only way he could do it was to kill Tybalt. I think if Romeo had been cool then he would of realised that Tybalt would of been excuted for killing Mercutio but by Romeo killing Tybalt he has got himself into alot of trouble. When Romeo first comes onto the scene in act 3 scene 1 he is really happy and hasnt got a care in the world other than his love for julliet, but when Mercutio gets killed he is deeply distraught and is in rage hence why he kills Tybalt. If Romeo is found guilty of killing Tybalt he will either get killed or something of the same concequences. Romeo killing Tybalt will have a a huge effect on the capulets and will damge his chances of seeing Julliet. Prince esalus banished Romeo from Verone for killing Tybalt and will never see Julliet again. This must of been devistating for Romeo because his wife who he only married twenty four hours ago will never see him again and he must of deeply hurt. Romeo killing Tybalt will make the 2ancient grudge ever so more hatefull and bigger becuase Tybalt was a very important member of the Capulter family and they might feel hard doen by because Romeo hadnt been excuted for killing Tybalt and will make things even more harder than they all ready are. During the play you do not see Romeo being violent or aggresive because he is not that sort of person he is a romantic and he belives that you do not need to fight and sits down and talks about problems. You nearly allways see Romeo expressing love and tendernous because at the start of the play he is madly in love with Rosaline and he is dreamy and has not got a care in the world other than being with her. Romeo is unhappy in love because every girl he meets he cannot be with so he writes his feelings down through poetry in his book. Benvolio says to Romeo in love? and Romeo replys out . this is symbolic because Romeo loves Rosaline and he cant be with her so he feels sick. Romeo does not cope very well with rejection because he is over come with emotion and cant do anything becuase he feels so bad. In the modern Baz Luhrmann film you see Romeo at the beach being dozy and sad. I think this is effective becuase it gets Romeos over to the viewer. Romeo only goes to the Capulets bal l to see Rosaline but he meets a beutifully lady in Julliet and just like that Rosaline doent exsit any more and he instantly falls in love with Julliet. Romeo uses words like tender , saint , kiss and dear to get over his amedit attraction for julliet. It is Romeos nature to have sudden and extreme feelings because what ever Romeo does it has a emotional side to it. When Romeo and Julliet talk to each other they use a religeous sonnet, Romeo plays they pilgram and Julliet plays the saint. They use words like unworthy and blushing to get over how much Romeo loves her and how soperery Julliet is to him. Romeo and Julliets teenage desires are woven into the sonnet by Romeo wanting to touch her and kiss but Julliet playing hard to get but using religous terms. Romeo and julliet treat each other with respect because they both have fallen in love with one another at first site and they are being like adults and they both want to one another but are just taking there time becuase they want to be together but when they finally get to kiss each other they fell they are in a dream world. When Romeo found out that Julliet was a Capulet he was stunned for a minute and says O dear account my life is my foes debt and Ay, so i fear, the more is unrest. Romeo means that he will not be able to love her because she is a Capulet so he feels depressed. When Julliet finds out that Romeo is a Montague she says my only love sprung from my only hate This is a powerful line because she is saying that the only lover she has ever had is a enemy of the family not her so she cant love him because of her name. The nurse loves Julliet in mothering sort of way because the Nurse has been more like a mother to Julliet than her actual mother and Julliet loves her more than her actual mother to. The Nurse has not got a child of her own because it died at birth so when Julliet was born the Nuse breast feed her so Julliet is like The Nurses baby . The Nurse helps Romeo and Julliet to get married by making the arrangments with the friar and going as a go between for Romeo and Julliet because they cannot be sceen talking together because of there houses. The playright included a comic character in the nurse because there is so much tragedy going on and so much love that you need abit of comedy to stop you crying and by addign in the nurse you often laugh at her sexual jokes and comments. When Julliet refuses to marry Paris her father comes in starts to shout and throw Julliet about. Ther nurse trys to help her by standing in her fathers way ajnd trying to pull him of Julliet but Lord Capluet pushs N urse to the floor. When Julliet asks Nurse what she can do the Nurse says Romeo is bnaished and marry i will. She is saying that Julliet will never see Romeo again because he is banished so she should marry Paris but at this piont in the play Julliet turns against the Nurse because she loves Romeo so much but the Nurse is only trying to what is best for Julliet but Julliet cant see it. When the Nurse finds Julliets body you feel sorry for her because she thinks that Julliet is dead but she isnt and the Nurse has doen so much for Julliet and it has ended so you feel sorry for the Nurse. Friar Laurence agrees to marry Romeo and Julliet because he belives that if the two star crossed lovers where to get married then the ancient grudge between the two familys will stop and then peace could be achived. I think that Friar Laurence had good intentions by marrying Romeo and Julliet but he was misguided abit by Romeo and Julliet because they put him under alot of pressure by doing the wedding so if he was not under the pressure of the two lovers then he might of sceen that there was more at risk. Friar laurence gives gave the two lovers advice on love, he said these violent delights have violent ends. What he is saying here is that for a short period when no one knows they are married they will love it and enjoy it but when people find out what they have done they will not happy and it will be finished. I dont think that the lovers actually know what they where doing by getting married, i think that it was to sudden to fall in love and they where just rushing into it and th ey hwere carried away by there emotions. Romeo and Julliets love is forbidden love, no one can know they are married. The fact that it is forbidden love makes it more fun and intense. The fact that there is a risk of danger in there relationship must make it even more romantique and emotional because there is a dangerous side to it which must give Romeo and Julliet abit of a buzz. Friar laurence others Julliet a kind of strong sleeping potion, He gives her this potion because he tells Julliet thou shalt continue two forty hours, And then awake from a pleasent sleep. Friar Laurence is telling her that whens she takes the potion she will seem to be dead but actually she is just in a heavy sleep and she will awake after a certain time and then he will get Romeo and then they can go away and live happyily. The audience are glad that somebody is still trying to save there love for each other because it seems like there will be no hope but then when the Friar others Julliet this solution you feel abit happyer and think that they might make it after all. Lord Capulet wants Julliet to meet Paris becuase he thinks that Paris will make a excellent husband for his daughter because he is a wealthy successfull business man and Julliet is at the age when she should get married. When Lord Capulet tells Julliet that she is to marry Paris, Julliet says no. This makes Lord Capulet very angry because back in Shakeperes time the father was like the owner of his daughter and he done what he faught was right for her and she didnt get a say in the matter and when Julliet tells him that she doesnt want to marry Paris he feels distraught because he has raised Julliet and she has shown him disrespect. When a modern day audience watchs the play and Lord Capulet says You are mine, i give you to my friend they might not like it because it is a bit sexist and disresoectfull towards women so some people might be against it. A Elizabethan audience would not be suprised when Lord Capulet says You are mine, I give you to my friend because that sort of thing h appens in there time so they think its just common to do so. Julliet does not have a very close relationship with her parents because they wherent really there when she was growing up and have not really treated her with much respect and shown her close parent love but Julliets parents do love her but its a kind of distant love. The Nurse is more a motherly figure for Julliet that her actual parents because the Nurse loves Julliet like her own child and has been there for julliet when she needed help. Shakespere Includes love and sex in his play to make the audience more excited and to try and get the audience more involved with the play. The nurse often makes sexual jokes in a rough and jolly manner because this adds abit of comedy into the play. In act to sceen 5 The Nurse says You know not how to chose a man:Romeo? no, not he, though his face be better than any man, yet his legs excels all mens. The nurse obvious likes Romeo and thinks he is good looking and the audience must think this is quite funny becuase here is this middle aged women and shes talking about men and sex. In the Ben Luhrmann film this potrale of the Nuse is quite funny because the actress who plays here makes the sceen more enjoyable and funny. Mercutio condems love and makes lewd and vulgar remarks about women like in act 2 sceen 4, Mercutio is playing a joke with the nurse and when he is finished and he walks away. When Mercutio is walking away he sings An old hare hoar, And an old hare hoar, Is very good mean in lent; but a hare is hoar is too much for a score when it hoars ere to be spent. I think this a rather bad example of Mercutio hatred towards women because he doesnt actually know the Nurse and he has made some rather bad remarks to her. I think Mercutio is like this because he has had some trouble in the past with women and he has been heart broke a couple of times so his hatred towards woemn might have sprung from this. Romeo and Julliet are never rude or vulgar towards each other they use romantique and loving words to stimulate each others emotions and if they do want to talk about sex or love they use a dramtique aproach and it is quite an effective method. In act 2 sceen 2 Romeo describes julliet as an angel and the sun which are to beutiful things to stimulate beauty and magic. When Julliet says if thy bent of love be honourable thy purpose marriage. I think this a very beutiful moment in the play because it shows that Romeo and Julliet love each other very quickly and how using such romantique words can emulate the effection for one another. The dawn after the wedding when Romeo and Julliet are lying next each other in bed, Romeo says that he must go and Julliet says no but then realises that if he is caught he will be killed so she gets him dressed and and tells him to go. This must of been quite a very emotional moment for Julliet having married Romeo the previous day and now she might not ever see him again. The next time the lovers see each other again is when they both commitee suicide. I think this is the worst moment in the whole film because they didnt get to see talk to each other again. Romeo and Julliet are lying side by side in julliets resting place inside the Capulet tomb. When Romeo enters the tomb paris is in there as well. Paris says This is that banished haughty Montague, That murderd my loves cousin, And here is come to do some villainous shame to the dead bodys. I will apprehend him. Paris thinks that Romeo is there to vandelise Julliets tomb and trys to stop him but he doesnt know that Romeo is Julliet husband and Romeo kills Paris so he can lie side by side with Julliet forever. Paris is not a vistim of the ancient grude because he is not a Capulet or a Montague but he just got caught up in Romeo and Julliets love and got killed trying to brake it up. Romeo talks to his bride (julliet) in a very powerfull way. He uses words like death and fear to get other how badly he feels. Romeo is saying that he is hurt so much he cannot go on any more and then he drinks then poisen and then kisses Julliet one last time and dies. This is the last kiss and proberbly is the most effective because the audience are over come with how much Romeo cared for Julliet and shows what Julliet ment to him. When julliet awakes form her long sleep she sees that Romeo is lying dead next to her. The audience feel upset when Julliet says thy lips are warm because it was only a matter of seconds since Romeo died, Julliet awoke and if she had woke up sooner then they would be happy. Julliet says oh happy dagger because know that Romeo is dead Julliet wants to die to so she can be with him forever so she trys to take the poisen off of Romeos lips but it doesnt work so she picks up Romeos dagger and stabs herself with it. The audience have an image of death at the end of the play because with in a matter of minites three people have died two of them being Romeo and Julliet and this is quite a stong image to see. At the end sceen there are 4 bodies lying in the tomb. At the end of the play we have sceen 5 deaths Romeo and Julliet, Paris, Tybalt and Mercutio. The people who are suffering at the end of the play are Lord and lady Capulet and Lord and Lady Montague because they have lost there children to love and didnt know that they where married so they must feel overwelmed with tragedy. When PrinceEscalus makes his speach nearly everline is harsh to hear, but the hardest of them all must be That heaven finds means to kill your joys with love, and i for winking at your discords too, have lost a brace of kinsmen. All are punished because he is saying that Romeo and Julliets Parents are to blaim for there deaths because of there rivalry they couldnt be together so they had to die. This must be hard on Lord and Lady Capulet and Lord and Lady Montague because hearing that you where responceable for the death of your child is heartbreaking. In the Baz Luhrmann film i think that his final sceen is the best because the actor who plays Prince Escualus de livers the lines with power and they get through to all the charachters. I think the play ends in a hopefull manor because Lord Capulet and Lord Montague shake hands and end the ancient grude which is quite good but still doesnt account for the loss of Romeo and Julliet. I think that Romeo and Julliet lying next to each other and Lord Capulet and Lord Montague shaking hands is enough for the audience because it is the only way that Romeo and Julliet could ever be together and the ancient grudge is broken. I think that love has conquerd hate overall because Romeo and Julliet had to die to brake the ancient grudge and make a better future for the two familys.

Crucible Character Study of Abigail Williams

Crucible Character Study of Abigail Williams Abigail Williams, a vicious antagonist from Arthur Millers The Crucible, will stop at nothing to attain her demented goals. In another writer’s hands, Abby could have been portrayed in a sympathetic light. After all, she is under age and has been sleeping with a supposedly honorable man thirteen years her senior. ​Arthur Miller, however, finds little humanity within her. Abigail Williams' Reputation Throughout the play, Proctor labels her a â€Å"harlot† and a â€Å"whore.† And perhaps Miller isn’t far off. According to the playwright’s research, the real Abigail Williams turned to prostitution several years after the Salem Witch Trials. Her Almost Unrealistic Characteristics She convinces young women to dance in the dark forest (a sinful act by Puritan standards).She practices voodoo in an attempt to win back her lover, John Proctor.She feigns demonic possession, luring the rest of the girls to behave the same way.She plants evidence of witchcraft in Elizabeth Proctor’s home, hoping to send her to the gallows.She manipulates the judges and denies having a relationship with Proctor. Perhaps the most sinister act takes place after a dozen citizens have been hanged. Abigail steals Rev. Parris’ life savings and runs away, never to be heard from again. In short, Miss Williams is a wretched, diabolic person!

Arpit Essay

One of these slogans are Who controls the past controls the future: who controls the present controls the past. This, as a whole, means that the past has an effect on the future, for previous events that occurred ensure the mindset of the people in the future, and whether or not they want to repeat history. Also, the party controls the people in the present, and can therefore control the past with the authority to go back and modify history on paper to control what is being taught to the masses. Events in the past have a great influence on events in he future.This is an ideal held to be true not only in the society in 1 984, but also in todays society. The past is recorded in history books, and is taught in schools. If the past was ideal, then people will try to re-establish it. However, if the past was horrendous, then people will try to ensure that such events wont happen again. This correlates to the technique used by the party. They created a past of desolation and anguish through altering history records, and claim to have liberated the people of Oceania.As a result, everyone fully bides by the Party, for they dont want to repeat the past. Therefore, who controls the past controls the future. Anagram 2 The Party itself controls the present, therefore it is able to control the past. Their main objective is to remain in total command at all times, and control everyone both physically and mentally. Physically, they use telescopes to monitor their subjects every move, so that they are under constant surveillance and put under pressure of the government. For the mental effect, they rewrite and manipulate the intent of historical resources. This allows them to have power over the way in which its subjects think about the past. This is an advantage, for all of their resources reflect the ideology of the Party itself, and they are able to show themselves in a positive manner so that they can stay in power. In addition, everyone is prohibited from keeping journals and other keepsakes from their pasts. As a result, the citizens of Oceania have an imprecise and fleeting memory, which allows the Party to tell them anything, knowing that they will live it.Thus, the Party controls the past with controlling the present. In 1984 by George Orwell, Party slogans are significant ways to hold their main principles. The slogan, Who controls the past controls the future: who controls the present controls the past is noteworthy for its true meaning. It means that past events are influential on the future, and determines the recurrence of history. Also, it means that the government that controls the present has the ability to control the past, through changing historical records.

Fuel Prices Statistics Project Example | Topics and Well Written Essays - 500 words

Fuel Prices - Statistics Project Example The mean price for regular unleaded gasoline in the US is $1.91/gallon, with a standard deviation of $0.17/gallon and a median of $1.86/gallon. Most of the state prices are distributed around the mean, except the outlier cases- Alaska ($2.51), California ($2.25) and Hawaii ($2.45). Without these three states, the standard deviation has a much lower value, and the normal-distribution curve is less spread out. Alaska has the highest state fuel price in the US- $0.60/gallon more than the mean price. The small demand-supply market, inefficient refineries, and lack of competition have kept the gas retail prices at a consistent high (Loy, â€Å"State begins inquiry into higher gas prices†). In California, a combination of unregulated refineries, low demand and difficulty in transportation has led to an increase in the gas prices (â€Å"Record high gasoline prices in California but relief may be in sight†). Hawaii is the most oil-dependent state in the nation, with more than 90 percent of its energy coming from imported oil. Being a tourist destination, the states economy is also extremely sensitive to global oil prices. Due to these factors, the cost of gas in Hawaii has also shot up in recent times (Song, â€Å"Gas Prices In Hawaii, California Hit $4†). The two fuel prices show a fairly strong linear correlation, with the diesel and premium unleaded gasoline prices varying proportionally. Most states form a single clustered group. The only anomalous points are for the states of California ($2.33, $2.43), and Nevada ($2.26, $2.40) and Washington ($2.40, $2.36). In these states, the prices of premium unleaded gasoline are higher than diesel prices by an average $0.09. The two outlier cases – though distributed about the linear regression line – have exceptionally high cost of both diesel and premium unleaded gasoline. The dependency of the two variables is still proportional (thus, these are not anomalous points), but the overall price

Compare a success project with a fail project Essay

Compare a success project with a fail project - Essay Example most Hong Kong citizens use this as their main mode of transport, with the trains making over 5 million rounds every working day (Mass Transit Railways 2014). The trains have specific times for each destination, which they keep no matter what because it is a part of MTR’s objectives and initiatives too. As of last year, Mass Transit Railway owned half of the public transport market share, ranking it as the top means of transport preference in Hong Kong. Unlike most of the train systems in other countries, MTR integrates the Octopus technology enabling people to pay their fares using the master cards; significantly, this has been in place since 1997 and it is one of the facilitators of the system’s success because travelling is easier with it. Essentially, a research by the Hong Kong government prompted the production of the Mass Transit Railway; typically, the research basis was the increasing problems caused by road jams because of the countries rapidly growing economy. The first construction began immediately after the government released the study and around ten years later, there was the launching of the first track (MTR Corporation 2004). Due to the multiple cases of road congestions, most of the citizens immediately switched to the trains as modes of transport. Appreciably, since then, there have been more consequent lines built, aiming to cover more land and areas with the highest populations. Through the journey, the government has faced challenges based on areas to expand the network and what strategies to apply; however, it is among the most successful railway projects in the world today, especially because it covers a very wide area moving even into China’s main land. The Miami Metrorail, also referred to as The Metro, is also a large railway transport system that covers parts of Florida, the United States and a bigger part of Miami. Miami Dade Transit governs and oversees every operation of The Metro; moreover, it is one of the core agencies of

African American Injustice Essay Example for Free

African American Injustice Essay â€Å"In the eyes of white Americans, being black encapsulates your identity. † In reading and researching the African American cultural group, this quote seemed to identify exactly the way the race continues to still be treated today after many injustices in the past. It is astonishing to me that African Americans can still stand to be treated differently in today’s society. In reading â€Å"Blacks in America†, Andrew Hacker states that â€Å"being black in America has consequences in areas of: wealth, identity, raising children, occupational opportunities, place of residence, and treatment in the criminal justice system. † To be honest, and I feel bad saying that I already knew this was happening to African Americans. I have heard stories of blacks not getting jobs; regardless of how qualified they are for the position, because of the color of their skin. I have heard stories, and even witness black children getting picked on in school because of the simple fact that they are black. I watched a video in school where a black family moved into a white neighborhood, and before long all the white families had moved out because they didn’t want a black family in their neighborhood. This was confirmed by Hacker in my research in the quote, â€Å"Almost all residential areas are entirely black or white. † I have also seen videos of African American men getting beaten by white arresting officers, and have heard stories of many black men being stereotyped by policemen. This must be why Hacker states â€Å"When white people hear the cry, â€Å"the police are coming! † it almost always means, â€Å"Help is on the way. † However blacks cannot make the same assumption. † These are all reports and events that I think the average American has seen before, but yet most people, including myself, continue to just shrug of and ignore. I guess it’s something that I might have subconsciously accepted, or maybe refused to think more deeply about. In reading and researching, I reaffirmed knowledge that I refused to take a greater note of. I wouldn’t say I learned anything new, because I knew what I wanted to focus on. A quote from Andrew Hacker’s article summarizes the above best, â€Å"In the eyes of white Americans, being black encapsulates your identity. † It may be easy to tell how I am going to focus this anthology. I am going to focus it on the injustices that African Americans continue to face in the United States today. That being, I know exactly what I need to get out of my interviewees, but it is probably a sensitive subject for some of the people I need to interview. I am not black, and I don’t know what it feels like to face this discrimination in everyday life. I can understand the tenderness that African Americans must feel then, when revealing and talking about their experiences with discrimination. I would think then, that it must be especially sensitive to talk about with a person from the race that they receive this everyday discrimination. It will be interesting to hear all the different types of prejudice that my interviewees have received throughout their lives. I would imagine that it ranges from just a look, or the way white Americans act around them, to voiced and physical altercations between themselves and white Americans. Hacker at times seems to be speaking directly to African Americans as he describes these altercations, â€Å"So many of the contacts you have with them (white Americans) are stiff and uneasy, hardly worth the effort. † But to me, that is exactly what the problem is. Why would it not be worth the effort? The first step to take for the uneasiness between the two races to cease to exist is for us (all people) to stop seeing color because once we act differently around the other is where all the problems seem to start. The second step is to make these contacts worth the effort. If we choose to continue to stay in our own comfortable circle of race, when is the problem ever going to end? The answer is never. My opinion as a white 18 year old is that most of the blame lies on the white race. Imagine being eyed every time you go into a store, having your car searched for no reason, or greeted warily at restaurants all because the color of your skin is different. We ignore this daily discrimination because no cares enough anymore to take notice that it happens every hour, every day somewhere in the United States. Will it ever stop? Not until we each take the steps to make it. A recent census commercial I’ve seen said â€Å"We (United States) can’t move forward until you mail it back. † I believe that our country can’t move forward and truly be great until we make sure these daily discriminations are eliminated from our society. In this project, I will interview African Americans on their personal experiences with discrimination, how they handle it, and if they think anything can be done about this problem. Sources: Andrew. 1999. Blacks in America. Pp. 160-168 in The Meaning of Sociology, 6th ed. , edited by Joel Charon. Upper Saddle River, NJ: Prentice Hall. A Time to Kill. Dir. Joel Schumacher. 1996. African American History. University of Washington Libraries. Web. 02 Apr. 2010. .

Dark Energy: The Mystery of This Millennium :: Biology Essays Research Papers

Dark Energy: The Mystery of This Millennium Billions of years ago, the universe was nothing but an infinitesimally small particle. Then, in less time than the blink of an eye, the universe expanded and increased in size by a factor of 1050. Expansion eventually began to slow down, allowing galaxies, star clusters, and so on, to form. Theoretically, expansion should still be slowing down; but to the contrary, expansion is in fact accelerating (10). Some scientists theorize that an unknown force, called Dark Energy, may be the cause of this accelerated expansion, while others disagree. For some time, exploding stars, or supernovas, were used as a "cosmic measuring stick" (4). That is, scientists used these supernovas to calculate the age of the universe. In 1998, two groups of astronomers surveyed supernovas in very distant galaxies. These supernovas were much dimmer than expected to be, and calculations proved that the stars were over ten billion light years away, much farther away than they should be had the universe been expanding at a slowing rate, or even a constant rate, as previously theorized (5). This discovery proved that the cosmos are not expanding at a slowing or a constant rate, but instead they are expanding at an accelerated rate (4). Since this discovery, scientists have been trying to uncover what it is that accounts for this accelerated expansion. Scientists have calculated the density of the cosmos, and they have also calculated the total mass of all visible galaxies. However, the galaxies make up less than one-third of the density needed to satisfy the current calculations of the early universe (2). Simple logic tells us that there must be something else in the universe, with some kind of mass, which accounts for over two-thirds of the density of the cosmos. The new theory incorporates a different force called Dark Energy. At first, scientists did not know how Dark Energy works or what it is physically made up of. Some proposed ideas of Dark Energy are: a cosmic field associated with inflation, a low-energy field called "quintessence," and the cosmological constant, or a negative pressure, as suggested by Albert Einstein (7). In July of 2003, scientists confirmed that Dark Energy exists, but they still cannot truly explain it (6). They do know that Dark Energy is different from every other kind of energy found. Some say it is a negative gravity (1), while others say that it does not necessarily act opposite to gravity, but, instead, it acts more like a negative pressure (5).

Business Financial Metrics

A business metric is also known as a financial ratio or performance indicator. Financial ratios lift the veil on a firm’s operating prowess, telling investors how the company navigates the doldrums of a bad company. There are four common types of performance indicators in modern-day financial analysis: Liquidity, Efficiency, Profitability, and Safety. Liquidity Ratios Working Capital Formula: Total Current Assets – Total Current Liabilities The working capital metric is a measure of both a company’s efficiency and its short term financial health.Positive working capital means that the company is able to pay off its short-term liabilities. Negative working capital means that a company currently is unable to meet its short-term liabilities with its current assets. Current Ratio Formula: Total Current Assets / Total Current Liabilities Generally this metric measures the overall liquidity position of a company. It is certainly not a perfect barometer, but good enough . Watch for big decreases in this number over time. Make sure the accounts listed in current assets are collectible. Quick RatioFormula: (Cash – Accounts Receivable) / Total Current Liabilities This is another good indicator of liquidity although by itself, it is not a perfect one. If there are receivable accounts included in the numerator, they should be collectible. Look at the length of time the company has to pay the amount listed in the denominator. Inventory Days Formula: (Inventory / COGS) * 365 Inventory days show how much inventory (in days) is on hand. It indicates how quick a company can respond to market and/or product changes. Not all companies have inventory for the metric.Accounts Receivable Days Formula: (Account Receivable / Sales) * 365 Accounts Receivable shows how much inventory (in days) is on hand. It indicates how quick a company responds to market and/or product can change. Not all companies have inventory for the metric. Accounts Payable Days Formula: (Accounts Payable / COGS) * 365 Accounts Payable shows the average number of days that lapse between the purchase of material and labor, and payment of them. It is a rough measure of how timely a company is in meeting payment obligations. Profits and Profits Margins Gross Profit MarginFormula: (Sale – COGS) / Sales The financial metric that uses a firm’s financial health by revealing the proportion of money left over from revenues after accounting for the cost of goods sold. Gross profit margin serves as the source for paying additional expenses and future savings. Net Profit Margin Formula: (Adjusted Net Profit before Taxes / Sales) Net profit is one of the more important barometers that we look at. It measures how many cents of profit the company is generating for every dollar is sells. Track it carefully against industry competitors.This is a very important number in preparing forecasts. Advertising to Sales Formula: Advertising Expense / Sale Advertising to Sale s hows advertising expense for the company as percentage of sales. Borrowing Ratios Interest Coverage Ratio EBITDA / Interest Expense This ratio measures a company’s ability to service debt payments from operating cash flow (EBITDA). An increase ratio is a good indicator of improving credit quality. Debt-to-Equity Ratio Formula: Total Liabilities / Total Equity This balance sheet leverage ratio indicates the composition of a company’s total capitalization.The balance between money or assets owed versus the money or assets owned. Generally, creditors prefer a lower ratio to decrease financial risk while investors prefer a higher ratio to realize the return benefits of financial leverage. Debt Leverage Ratio Formula: Total Liabilities / EBITDA This ratio measures a company’s ability to repay debt obligations from annualized operation cash flow (EBITDA). Assets Ratios Return on Equity Formula: Net Income / Total Equity This measure show how much profit is being retur ned on the shareholders equity each year.It is a vital statistic from the perspective of equity holders in a company. Return on Assets Formula: Net Income / Total Assets This calculation measure the company’s ability to use its assets to create profits. Return on assets indicates how many cents of profit each dollar of asset is producing per year. It is quite important since managers can only be evaluated by looking at how they use the assets available. Business owners and managers continually monitor the performance of their companies, always looking for opportunities to improve and challenges to overcome.A number of important metrics of business performance management provide insight into how a company performs in a range of areas, including marketing effectiveness, financial management and operational efficiency. Keeping on top of these metrics can help your company to operate at its best. Reference Page http://www. mrdashboard. com/FinancialRatios. html http://www. soluti onmatrix. com/financial-metrics. html www. ehow. com/info_7753305_business-metrics. html http://cfowise. com/solution/financial-ratios

Average Joe

As kids, our heroes were Captain America, Superman, Spiderman, Wonder Women, or any superhero for that matter. We would look up to them everyday and say, â€Å"I want to be just like them. † As we get older, our heroes tend to be a knight with shining armor, riding into the sunset with a beautiful woman along side. Other people picture the CEO of a top company, making over ten million dollars a year. Some might even picture an ex-president, or even their teacher. In the end, you’re my hero. You’re not a firefighter, a soldier, or the president. You’re not a police officer, priest, or parent. You’re like me. A person stuck in the everyday grind, 9 to 5, trying to make it through to tomorrow. You don’t know you’re a hero, but you are. To me you give me strength and the hope to live on. For this you are greatly appreciated. You might think, â€Å"How can an average American be considered a hero of mine, if there are killers and greedy people out there that only do harm? † He simply hides in the wood works, basically helping to hold doors, donating here and there, or putting in a few extra hours at work, just like an everyday American would. My hero never fails to finish work for his under-paid, under-appreciated job. Never does my hero complain about being a single parent or working two jobs and still having unpaid bills on the counter. He embraces the fact that he’s doing everything that he can to have a roof over their heads. He’s one of the millions that build this country’s infrastructure. My hero makes an honest living doing a day’s work and asks nothing in return. He puts his life on the line knowing that’s he doesn’t have to and would gratefully do it day by day. He doesn’t donate millions of dollars to charity for a tax break or to get his name on the front page of a newspaper, but when he sees a man in need he offers the coat from his back and continue on. So what makes a hero, heroic? Well what is a hero? Words such as brave, fearless, strong-minded, tough, and being a leader come to mind. So does my everyday hero line up to your average super hero? Yes! The average American has to be brave to face an economic recession such as todays. Does he have courage? One would have to assume to face the daunting task of raising children as a single parent. Doing what ever it takes to get there kids the proper education to become a successful American. If anyone is determined it’s this individual. It takes a lot out of someone to give all they got and seem like no improvement is being made. The determined American has to push on to brighter skies. As a father my hero can’t show anything less than strength because when a father is weak there is no hope for the children to feel empowered. This also ties in to the idea of my hero being a leader. He has to be and he is. I think he qualifies as a hero, don’t you? Superman never put food on your table nor did the Hulk, so why are they the heroes and not you and I? Its human nature to assume a hero has to be larger-than-life. Usually this is true but then we tend to neglect the thousands of â€Å"mini-heroes† we have representing great heroic qualities. Its not always about being able to fly or killing bad guys, its about helping others in need. So the smallest deeds that we do can make a difference in someone’s life. Be grateful for what you do, for you’re not just my hero but someone else’s as well.