...students more time to achieve what is expected, and those against it say that students would lose intrest and attendance will drop in year five. Of course there seems to be advantages and disadvantages to both, but lets be realistic, in America today, education isn't exactly our most relishing topic. I feel that extending high school one more year is a bad idea for three reasons, students really only have three years, there will be a loss of intrest, and its just a "band aid" for bigger problems. Firstly, if you think about it, there are really only three years of high school, because does anyone really get anything done senior year? No. Senior year is a time of waiting, for school to end, for your acceptance letters to come in, it's a time of waiting. Not to mention the commonly known disease that seems to incubate all seniors called "senioritis". Senioritis is basically not doing anything. With 5 years of high school students would waste 2 years to senioritis instead of just one. Out of the millions of students enrolled in high school, maybe one out of 5 truly enjoys school, where as the others just treat it as a social gathering very early in the morning. After the first three years of high school, coming into your senior year, you become a human form of a slug, very slow, both physically and mentally. Of course I might be over exaggeraiting maybe a little bit, but the intrest is gone after sophomore year. What makes you think that it will magically pop up after an addition...
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...Begin WRITING TEST Here. If you ever ask a highschool student whether they would want to go one more year very few would say yes. I would, not because I like school, not because I enjoy spending six hours cooped up inside, but because I could use one more year to just be sure I am completely prepared for college. Along with this I feel that because we are required to take tenth grade graduation test and most of our tenth grade year is spent preparing for this test. Highschool students today are highly prepared for the world, but that one extra year in high school could possibly be spent taking time on preparatory courses in college type setting. Students get thrown into the college setting which is a major shock to them due to the major differences. Maybe doing this our freshmen's first quarter wouldn't be as much of a change. Because we have to take the graduation test in tenth grade we don't learn anything that year. We need another year due to that, so we should go one more year to make sure we are ready. Scoring Explanation This essay demonstrates inconsistent skill in responding to the task. The writer takes a position but displays no recognition of a counter-argument to that position. Development of ideas is thin with general statements to explain the first idea (Students get thrown into the college setting which is a major shock to them due to the major differences) and very little explanation of the second idea (Because we have to take the graduation test...
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...Begin with a Attention Getter/Hook: Begin with a hook/lead that answers the prompt and is based on your thesis Schools are now changing their opinion on fiction books and now forcing fiction books to be taken out of all schools. Evaluate Appeal and how hook connects with prompt/topic: This can cause a big deal in the prompt topic becuse it is about social isloation wich makes reading big for those that isolate them selves just like the child in the book “Highly Illogical Behavior”. Setting Context: Include the title of your main work, author’s name, and relevant general information. Include the significance of the essay.Provide background information and/or plot summary) “Highly Illogical behavior” by John Corey Whaley is...
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...GV1102 Assignment Topic 2: Critically assess three reasons for the declining power of parliaments. Introduction Throughout the past few centuries, political structure and life has been changing ever so rapidly, so too has the power that parliaments possess. This decline in power is due to a number of reasons, but mainly through the power of the lay person. Nowadays, people outside of parliament have huge power and can have a rather large influence in decisions that are made within parliaments. People power aside, Government decisions are also influenced in other ways such as, mass media, European Union decisions and disciplined political parties. All of these issues dominate the Irish political landscape from week to week, and are becoming more prevalent since the Economic Crash of 2008/2009 and the IMF Bailout that followed it on that infamous November night of 2010. Since then, every move the Irish Government makes is not only being monitored by the Irish people but it is also scrutinised by the European Union and the huge influence of the media. Another issue which detracts from the power of parliaments is the workings of the traditional Political Party system, although politicians may sound to be very passionate on a subject, they may find it very hard to act on this unless their political party is in agreement. The idea of Diciplined Political Parties hasn’t gone away, in Ireland, England or in any other democracy. (222 words) Intrest Groups & Mass...
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...SWAMI VIVEKANAND GROUP OF COLLEGES [pic] SYNOPSIS:- COMPARATIVE STUDY OF SBI INTEREST RATE OF HOME LOANS WITH DIFFERENT BANKS A synopsis submitted for the partial Fulfillment of the degree of MASTER of BUSINESS ADMINISTRATION (MBA) GUIDED BY: SUBMITTED BY: PROF. PRIYANKA MAHESWARI SANDARBH VYAS MBA III SEM INDEX INTRODUCTION • HOME LOANS • INTEREST RATES OFFERED BY THE BANKS REVIEW OF LITERATURE OBJECTIVE OF STUDY RESEARCH METHODOLOGY • RESEARCH DESIGN • DATA COLLECTION • SAMPLING TECHNIQUE • SAMPLING DESIGN BIBLIOGRAPHY INTRODUCTION HOME LOANS Home is a dream of a person that shows the quantity of efforts, sacrifices luxuries and above all gathering funds little by little to afford one’s dream. Home is one of the things that everyone one wants to own. Home is a shelter to person where he rests and feels comfortable. Many banks providing home loans whether commercial banks or financial institutions to the people who want to have a home. Home loans work like any other debt. That is, loans are simply specific money that we borrow from a bank, a private lender or some other type of lender. Afterwards, we must repay our debts with interest. However, unlike other types of loans, home loans are different in several...
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...INTRODUCTION In the organized segment, banking system occupies an important place in nation’s economy. It plays a pivotal role in the economic development of a country and forms the core of the money market in an advanced country. The commercial banks in India comprise of both Public sector as well as private sector banks. There are total 28 Public sector and 27 private sector banks are functioning in the country presently. Banks have to deal with many customers everyday and render various types of services to its customer. It’s a well known fact that no business can exist without customer. Customer satisfaction, a business term, is a measure of how products and services supplied by a company meet or surpass customer expectation. It is seen as a key performance indicator within business. In a competitive marketplace where businesses compete for customers, customer satisfaction is seen as a key differentiator and increasingly has become a key element of business strategy. Customer satisfaction is unambiguous and abstract concept and the actual manifestation of the state of satisfaction will vary from person to person and service to service. The state of satisfaction depends on a number of both psychological and physical variables. BANKING INDUSTRY: AN OVERVIEW For centuries banks have played an important role in financial system of the country. The vital role continues even today although the form of banking has changed today with changing need of the economy and individuals...
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...What are clusters? Why are policy makers so keen to promote them? Innovation recently has become very hot topic to general public or at least it is a bit trendy to talk about it between politicians. You can’t blame where it is very arguable that we innovate more now than ever before, we definitely talk about it more. Therefore also innovation clusters have been one of the hot topics within academics, politicians and just people who are just a bit interested into innovation. But what is innovation clusters have been defining generally and what are grounds of successes, what is innovation cluster impact on innovation and economic growth is argued a lot in academic literature. “The notion of a cluster was first put forward by Alfred Marshall (1890). He used the term “industrial district to describe agglomerations of small specialised firms found in particular localities. He cited as examples the cotton industry in Lancashire and the cutlery trade in Sheffield. He explained the success of these industrial agglomerations in terms of external economies of scale, where the close proximity of large numbers of small firms generated a market for increasingly specialised services. According to Marshall (1890), agglomeration economies around three sources of collective efficiency, namely: a local pool of specialised labour, firms specialising in the intermediate stages of production and knowledge spill-overs. “(David Smith, 2010, Exploring Innovation, P 267-268). However Marshal...
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...###Descriptive Practice Set for Bank PO exam### Below are the topics given from previous bank PO, Clerical exams. An essay is given to write on these topics or a report is to be write upto 150 to 200 words 1. The Lehmann Crash 2. The market downslide 3. Leadership is doing the right things; Management is doing things right 4. Corporate Social Responsibility benefits the bottom line 5. Has globalization really worked? 6. Integrity at work 7. Buying options: A matter of trust 8. People: The most important asset of any enterprise 9. The second great crash 10. Management styles: Why things go wrong? 11. Do we need to dress for success? 12. What do Chief Executive Officers do? 13. The element of Risk in management. 14. Outsourcing to reduce risk 15. Management is what managers do 16. Terrorism benefits whom 17. Nation’s growth must be inclusive 18. Chandrayaan – One giant leap for Indian Astrophysicists 19. The secret to winning more gold in the Olympics 20. The ban on smoking- Gimmick or success 21. Why does a nation need forex reserves? 22. What makes you a suitable candidate for an MBA? 23. Is India really shining? 24. What is revenue deficit? 25. What is the job of the Manager? 26. Is democracy working for India? 27. Performance appraisal- A Useful tool for growth 28. Corruption an outcome of Democracy 29. Agricultural subsidies: A Boon or a Bane 30. Do we need a dictator? 31. Does the media need censorship? 32. Reforms in education – a necessity ...
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...Marketing management Marketing Management Answers Semester-1 Marketing Management Section A Part One 1. Production concept. 2. Consumer. 3. Reference groups. 4. Product life cycle. 5. Brand identity. 6. Price discrimination. 7. Strategic channel alliance. 8. Transportation. 9. Informative Advertising. 10. Sales forecasting. Part Two 1. Consumer is the most important person. The business revolves around the consumer. So, while operating as a firm, it is essential for the firm to gain the good understanding of its market. The more the Consumer Behavior is learnt the more the needs and wants of the Customers are fulfilled. The Study of consumer behavior helps us in the following ways; • To design the optimal product or service for customers. • To determine where the product or Service should be available that would easy for the customers to buy. • To determine what price will the customers give up purchasing product or service? • To determine which method of Promotion would be most effective for getting the customers to buy a product. • It helps in changing the behavior of the consumers. • To improve performance of the organization. • To achieve the organizational objectives 2. Price A value that will purchase a definite quantity, weight, or other measure of a good or service is called Price. As the consideration given in the exchange for transfer of ownership, price forms the essential basis of commercial transactions. It may be fixed by a contract, left...
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...Chapter 1: The phrase “Corporate social responsibility” refers to a corporation’s responsibility towards society. The topic is subjective, so naturally there is some disagreement about those “responsibilities”. Like do companies have a responsibility to donate money for charities or to give their employees higher wages and customers safer products? Or is their responsibility to maximize profit for their shareholders or stockholders? Shareholder theory: Milton Friedman argues that in a “free enterprise, private-property system” Corporate executives work for the “owners” of the company, and today these “owners” are the company’s shareholders. As their employees, the executives has a “direct responsibility” to run the company in according with their desires, which is of course making as much money as possible while confirming to the basic rules of the society, both embodied in law and ethical custom. On his view a company’s ONLY responsibility is to legally and ethically maximize shareholder’s returns. His view is the “shareholder’s view”. The main reason he holds this theory is, in his view shareholders own the company. Since the company is their property and only theirs, only they have the right moral right to decide what it should be used for. These “owners” hire executives to run the business for them, so the executives have a moral obligation to do what the stockholders want, which he claims is to maximize their profits. However he doesn’t say, that there are no limits...
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...Date - 7th Jan 2010 CALL PAA You want value for your money and need help in Taking smart decisions. Then, CALL PAA By: (SAD) Siddharth Agarwal - (+91)0 9657513375 Ashish Vachani - (+91)0 9637914484 Deepesh Singh - (+91)0 9892026369 Table of Contents 1. Introduction to CALL PAA • Idea and its Innovativeness. • Mission. • Vision. • Company Overview. • Objectives and Goals. • Owners of the companies. • Problems that might strike. • Solutions to those Problems. 2. Industry Analysis • Environmental Analysis. • The Opportunity. • Service Industry in India. 3. Target Market • The Targeted Market. • Size of Target Market. • Why India? 4. The Competition • Competitive Strategy. 5. What CALL PAA offers? • Products and Services offered. • Research and development of the service offered. • Photographs and technicalities. 6. Operations • Facilities. • Hours of operation. • Services Offered. 7...
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...MARKET SURVEY REPORT ON CUSTOMER SATISFACTION ON [pic] INPARTIAL FULFILLMENT OF DEGREE OF BACHELOR OF BUSINESS ADMINISTRATION M.J.P.R.U, BAREILLY (SESSION: 2010-2011) SUBMITTED TO: SUBMITTED BY: Mrs. Sandhya Tripathi Pragati Dixit IIMS Faculty BBA-VI sem-C 915584 contents: 1. introduction 2. objectives 3. research methodology 4. company profile 5. literature review 6. data presentation and analysis 7. FINDINGS 8. conclusion 9. limitations 10. RECOMMENDATION 11. BIBLIOGRAPHY 12. ANNEXURE INTRODUCTION INTRODUCTION: L’Oreal is the global leader in cosmetics, with 25 brands. They have 5 key areas of expertise − hair care, hair colorants, skincare, make-up and fragrances. There is a huge motive behind the study of L’Oreal. The study will help us to understand the operations which are carried out by L’Oreal. The operations such as marketing strategies, business plans, company at a glance, business structure, management and operating structures , competitors position as...
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...Functionalism, strain and Subcultural theories Durkheim’s functionalist theory Functionalism – society based on value consensus. Members of society sharing common culture. In order to achieve this, two things needed: - Socialisation – helps ensure individuals share the same norms and values. Shows the way to act. - Social control – rewards for conformity and punishment for deviance. Controls behaviour. Inevitability of crime – functionalists see crime as inevitable and universal. Every society has crime. Two reasons why crime and deviance are in all societies: - No everyone is equally socialized into norms and values. Some are likely to be deviant. - Diversity of lifestyle and values. Different groups have their own subcultures with distinctive norms and values. Some may see deviant acts as normal. > Durkheim says in modern societies there is tendency towards anomie. The rules for behaviour become weaker and less clear-cut. This is because modern societies have a complex division of labour meaning individuals become more different from each other. Crime is more likely. Positive functions of crime – it also performs two positive functions Boundary maintenance - produces a reaction from society, uniting members in disapproval of criminals and reinforcing their commitment to shared norms and values. Adaptation and change – all change starts with an act of deviance. There must be scope to challenge existing norms and values and this will seem deviant in the...
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...Class-- Professor Popovitch 8/27/2011 12:32:01 PM It is generally understood that the foremost purpose of a business enterprise is to maximize the owners' return on investment. Is this a good thing? Where does social responsibility fit into the equation (if at all)? Can you cite examples of companies that took the profit-maximization mandate too far at the expense of society as a whole? Respond RE: Class-- Ligia Filion 8/31/2011 10:17:03 PM A prime example of investment maximization would be the Real Estate Market in 2006- 2007. A lot of the Real Estate owners took advantage of the mortgage boom and the over priced homes that were being sold. The inflation of prices made homeowners who were selling their homes great profits/ return at the time of sale. The Realtor's selling the homes were also getting commission from the homes they sold. The higher the prices of the home the greater the profits they could go home with. Respond RE: Class-- Rafael Aguilar 9/1/2011 3:12:32 PM As a senior executive at my current company, I would be foolish to disagree with the statement that maximazation of profit and return on investments is the primary business goal. I personally am one that believes that the whole social responsibility situation has been overused and exagerated to much. Yes, a company should not overextend itself where they are geapordizing the financial security of the state or country. However, it is important...
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...ACKNOWLEGEMENT: Apart from our efforts, the success of any project depends largely on the encouragement and guidelines of many others. We take this opportunity to express our gratitude to the people who have been instrumental in the successful completion of this project. We would like to show our greatest appreciation to Mr. Shakeel Awan. We can’t say thank you enough for his tremendous support and help. We feel motivated and encouraged every time we attend his class. Without his encouragement and guidance this project would not have materialized. The guidance and support received from all the members who contributed and who are contributing to this project, was vital for the success of the project. We are grateful for their constant support and help. ABSTRACT: This research is conducted just to explore that what are the issues and challenges as also what opportunities are there for the Islamic banks in Pakistan. As Pakistan is a Muslim country and the main population is of Muslims, there is a great importance of Islamic banking in this country and people are getting aware of this financial system. But the main challenge here that is faced by the Islamic banking is that Pakistan govt. is supporting conventional banking more. For this research interviews were taken from the employees and the customers of Islamic banks. These interviews are about the basics of the Islamic banking, about the awareness of Muslim society, the opportunities for the development and growth...
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