The Most Effective Foreign Policy As Presidency By Harry...

The most effective foreign policy as presidency was Harry S. Truman and the weakest administration for foreign policy was George H. W. Bush. The reason that was the more effective president is that he was a more of a powerful leader. Harry S. Truman was a war president. Harry S. Truman was president during one of the worst war in United States history. He was the only president in history to drop atomic bomb. Many people think that Harry S. Truman was one of the best president that would serve and he was elected for 2 terms and took over the president after FDR died in office and Truman took over. When Harry S. Truman took over after FDR he was The commander in chief the leader of the army for the worst war in history. Harry S. Truman made an Executive Order that ended racial segregation in the United States armed forces. The reason that truman was better for foreign policy is that he ended ww2. Harry S. Truman was well known for The Truman Doctrine that would give aid for Greece and Turkey to quote â€Å"The foreign policy and the national security of this country are involved. One aspect of the present situation, which I present to you at this time for your consideration and decision, concerns Greece and Turkey. The United States has received from the Greek Government an urgent appeal for financial and economic assistance. Preliminary reports from the American Economic Mission now in Greece and reports from the American Ambassador in Greece corroborate the statement of theShow MoreRelatedHarry S. Truman: A Tremendously Influential President Essay1696 Words   |  7 PagesHarry S. Truman was born in Lamar, Missouri on May 8, 1884 and was at first just an average boy and then man, with dreams in the music field and interests in reading and history. His mother greatly supported his ideas and desires and wished him the best. Truman worked a series of clerical jobs and worked on the Santa Fe Railroad as well (â€Å"Harry S. Truman†). Truman’s firs t encounter with politics was when he served in WWI and was a captain in the Field Artillery in France. When he returned from FranceRead MoreHarry S. Truman s President Of All Time1478 Words   |  6 PagesHarry S Truman was the 33rd president of the United States and according to the Harry S Truman website, the 5th most popular president of all time. Truman played a big part in ending World War II and beginning the Cold War. He was elected in 1945, after the death of Franklin D. Roosevelt, in April 1945. He also ended racial segregation in the civil service and the armed forces in 1948. Which will all be covered in this topic of Harry S. Truman, also discussing his presidency, personal accomplishmentsRead More2 Years After World War 2 A New Enemy Was Rising That Was1613 Words   |  7 PagesCold War: a social, political, economic conflict between the US and the USSR. The Cold War lasted 44 years and 9 different Presidencies. However, when looking at the US, the war can be broken down into 3 smaller time periods each with their own different methods to best the USSR. The first time period is now called the Containment Period and was introduced with Harry Truman. The containment period had the objective to prevent communism spreading further and encouraging pro-western countries not toRead MoreAnalysis Of Truman s President And The President1272 Words   |  6 Pagespresident utilizes communication and develops his skills is often thought of as one of the most important parts of a presidency. Communication not only allows a president to ensure that his ideas are properly heard and interpreted, but it also allows him to gain valuable support from both the public and from other entities within the government. Without proper communication, a president such as Harry S. Truman is likely to find it difficult to accomplish his goals during his time in office. ThereRead MoreThe Truman Doctrine: An Overview1580 Words   |  6 PagesThe Truman Doctrine: An overview The Truman Doctrine was the first, formal statement by a US president that America would intervene in the affairs of the world in a formal and consistent manner. It was the death knell of American isolationism and was an open acknowledgement of Americas position as a world power willing to take aggressive action in international affairs. Truman unambiguously characterized the Soviet Union as evil, casting Americas commitment to aid the Greek government againstRead MoreEssay about United States Involvement in The Second World War (WWII)615 Words   |  3 PagesWorld War II to help control these groups and to promote democracy in the European theatre of the world. The party with the most power at the time was the Nazi Party, led by Adolf Hitler. This socialist party was led by a powerful dictator who broke away from the League of Nations and began to conquer vast amounts of territory at a fast rate. The United States wanted to leave foreign affairs alone in fear of another world war. The United States could not avoid the fact Hitler was taking over Europe andRead MoreThe Legacy of Ronald Reagan1004 Words   |  5 Pagesto this date the oldest serving president, and the effects of his presidency have affected not only the United States of America but most of the world as well. The consensus among historians is that Ronald Reagan left a lasting legacy that was a great one in numerous ways. His Reaganomics improved America’s economy greatly, and secured its future economic prosperity. He also fought communism head on and was able to end it in most parts of the world, but more importantly in Soviet Russia. HoweverRead MorePresident Executive Of The United States Of America Essay1565 Words   |  7 Pagesbiased opinion. The presidential election and powers of office have significantly changed over time due to new regulations and influences, which allowed the United States of America to continue to be free and just. From the very first election to the most current election, a vast array of changes occurred in the way the candidates promoted their positions, due to new issues and technologies. During each election, the presidential candidates reform their views and speeches on the importance of certainRead MorePresidential Power Of Power And Authority2334 Words   |  10 Pagesâ€Å"Power without Persuasion: The Politics of Direct Presidential Action,† notes, the modern presidency is defined by its tendency and capacity to go it alone (â€Å"Focus on Research†¦Ã¢â‚¬ ). Despite the original intent of the Constitution, the powers of the president have evolved over time, adjusting how presidents act in certain situations today as compared to when the Constitution was first created. Since the presidency of George Washington in 1789, executive orders have fallen into two different categoriesRead MorePresident Franklin Delano Roosevelt s President Of The United States1855 Words   |   8 Pagesreferred to as corrupt, but I think it is a huge challenge getting elected to office to help your country and people. Most important, President Franklin Delano Roosevelt did a very inspiring and motivating job as the president of the United States. President Roosevelt had a very interesting background, a compelling journey of politics, an unfortunate paralysis, an effective presidency, and was the only fortunate president nominated for a third term. Franklin Delano Roosevelt, also known as FDR, was

Cafe Marketing Plan - 4008 Words

Executive Summary The purpose of this marketing plan is to outline the strategies, tactics, and programs that will make the sales goals detailed in the Andes Cafà © and Art Lounge business plan a success. The Andes Cafà © will be unlike other cafes in that it will set out to introduce customers to the different flavors and aromas of South American foods in a casual non threatening environment. Furthermore, in a competitive market like the restaurant industry Andes Cafà © hopes to set itself apart by reaching out to those foodies with a curious and discerning palate without the high prices. .It will also introduce some of the arts and sounds that make the various countries in South America unique Marketing will play a vital role in the success†¦show more content†¦Business people are talking about their business lunches and how enjoyable it is to meet there before and after business meetings. South Americans are enjoying and agree that the food and art are authentic and remind them of being back at home. Market Growth The market for the food Andes cafà © will offer is growing rapidly. The cafe hasnt come to this area yet. Large cities that cater to large numbers of travelling business people and tourists have not offered this kind of food. Business people will be able to use the cafe to take clients to and to network with area business professionals. Students will use this cafà © as meeting place where they can eat and enjoy a nice evening. The local South Americans in the area will frequent this cafà © because it reminds them of home and provides authentic food. The student population continues to grow as the University maintains a prestigious reputation. These students tend to have money and an interest in up-scale or trendy places to eat. Business in the downtown area is always ongoing and will provide a steady flow of customers. SWOT Analysis The SWOT analysis provides us with an opportunity to examine the internal strengths and weaknesses. It also allows us to examine the opportunities presented as well as potential threats. The Andes Cafà © has a valuable inventory of strengths that will help it succeed. These strengths include: a knowledgeable and friendly staff, excellent food, a mixture of culture from various SouthShow MoreRelatedCafe Nero Marketing Plan6124 Words   |  25 Pages Overview†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Page 4 Marketing Audit†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.Page 5 PEST Analysis†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Page 5 Market Analysis†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..Page 8 Micro Environment †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦...†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Page 10 Internal Analysis†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦....Page 12 SWOT Analysis..†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦...†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Page 13 Assumptions†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦..Page 14 Marketing Objectives†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦Page 15 StrategyRead MoreMarketing Plan - Cafe988 Words   |  4 PagesAssignment #5 – MKT 500 Marketing Management 1. Introduction The goal of this marketing plan is to outline the strategies, tactics, and programs that will make the sales goals for a planned discount internet cafà ©. Cafà © Loco, unlike a typical cafe, provides a unique forum for communication and entertainment through the medium of the Internet. Cafà © Loco is the answer to an increasing demand. The public wants a place to enjoy delicious coffee products, at discount prices; aRead More Marketing Plan for Internet Cafes In India Essay5701 Words   |  23 PagesMarketing Plan for Internet Cafes In India Executive Summary The goal of this marketing plan is to outline the strategies, tactics, and programs that will make the sales goals outlined in this Internet Cafe business plan a reality in the year 2003 in few states in India. This plan is for Indian Markets only. Internet Cafe, unlike a typical cafe, provides a unique forum for communication and entertainment through the medium of the Internet. Internet Cafe is the answer to an increasingRead MoreMarketing Plan for Slice Bakery and Cafe766 Words   |  3 Pages5.0 Product Offering Slice Bakery and Cafà © will describe a number of scrumptious baked goods. 5.1.1 Product/Service Description Slice Bakery and Cafà © offers several tasty, natural wholesome baked sweets, such as croissants, muffins, cakes, cupcakes, donuts, and pies in a fast, dinnertime bakery and cafà © that is nearby in a metropolitan area with a great staffs surrounded with excellent customer service and friendly environment. Customers can buy sweets by dine-in or carry out. 5.1.2 Product/ServiceRead MoreMarketing Plan For The Simulation Biz Cafe1277 Words   |  6 PagesIntroduction The purpose of this paper is assessing my strategy and decisions in the simulation Biz Cafà ©. Then, I will give my results and explain how I got there. However, there were many factors involved creating these results. In this simulation, everything was left up to me to decide how to run my new coffee shop. There were big decisions at the beginning you had to make to create the overall theme of your business. Then, I was to hire employees, buy goods, and act on specials decisions or reactRead MoreFuture Benefits And Market Segmentation Strategies3681 Words   |  15 PagesFishtale is a cafe in Warrnambool that has created a unique concept comprising of food products. The plan that follows explains the future benefits and market segmentation strategies. The detailed marketing proposal provides a clear recommendation of increasing sales and enhance cafe’s growth. By utilising this approach the cafe will be able to find a success spot in the market for quality foods and servic es.. The overall purpose of this marketing plan is ensure the sustainability of the cafe and increaseRead MorePanera Bread Company : A Market Driven Approach1536 Words   |  7 PagesPanera Bread Company is the widely acclaimed bakery/cafà ©, which operates in the fast casual food restaurant industry. It was originally founded in 1981 by Louis Kane and Ron Schaich, as Au Bon Pain Company with several chains. In 1993, Au Bon Pain Company purchased Saint Louis Bread Company, which is located in St. Louis Area. In 1999, the founders sold Au Bon Pain Company and renamed it as Panera Bread. Currently, the company owns 1,845 franchise stores in 45 states in United States and in OntarioRead MoreMarketing Pl Subway Marketing Strategy1042 Words   |  5 PagesSummary The marketing plan bonds with the overall financial and business plan. This plan contents a strategy for success, and breaks it down into coherent, actionable components that will aid The Sub Shop to implement marketing activities to obtain a return on investment. The following areas will help explain, how the company organise differentiation from the competition, and define the strategy that will drive its business forward. The aim of the marketing plan is to evaluate Subway marketing strategiesRead MoreEssentials Of Advertising Strategy ( Eas )934 Words   |  4 Pagesnatural, organic cafe with elegance. Pret managed to diversify themselves using sophisticated texture, even though they understood that the color red was highly polarized amongst many fast food companies. Their logos incorporates a classy, clean, and cut edge font. The symbol of the star is used to demonstrate their excellence in the fast food industry and the circle around it is used to promote the community of being a Pret A Manger consumer. Pret continues to use this simple marketing technique toRead MoreMccafe Marketing Plan7083 Words   |  29 PagesMcCafà © Marketing Plan By Mikail M Gasanov Mikail Gasanov 7 February 2012 BBA Marketing Planning, Group A McCafà © marketing plan Executive summary†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.2 Current marketing situation†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..2 SWOT analysis†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..7 Segmentation, targeting, and positioning†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦10

Eric Clapton †Complete Clapton free essay sample

Eric Clapton is one the most influential artists of all time, and this album was intended to sum up his career. However, the 2007 best-of  ­album â€Å"Complete Clapton† leaves you feeling empty and wanting more. The album can be broken  ­into three sections: the golden years, pop, and back to the blues. The golden years are the main and supreme part of the album. â€Å"Complete Clapton† features five popular songs by Cream (Clapton’s first band), including â€Å"White Room,† â€Å"Crossroads,† and â€Å"Badge,† but only three tracks from later groups Blind Faith and Derek the Dominos. It also features several tracks from early in Clapton’s solo career. Then the album starts down a slippery slope  ­toward Eric’s pop era. The beginning of the pop sec ­tion isn’t too gruesome. Songs like â€Å"Forever Man† and â€Å"Pretending† somewhat resemble rock songs. The remainder of this section can be sum ­med up with an exasperated â€Å"Ugh!† Several singles like â€Å"Bad Love† and â€Å"Running on Faith (Unplugged)† make the listener want to break the second disc in half. We will write a custom essay sample on Eric Clapton – Complete Clapton or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Then â€Å"Complete Clapton† pulls you out of this depression by going back to the blues. Clapton’s return to the blues is represented with four tracks, which is not nearly enough. This part features two songs Clapton recorded with other artists: â€Å"Riding With the King† with B.B. King, and â€Å"Ride the River† featuring J.J. Cale. In short, this brief blues bit is much too small to fill the  ­appetite of an avid listener. All said and done, two discs are far too few to cover Eric Clapton’s career, and â€Å"Complete Clapton† gave a decent try but was doomed from the start. Cream’s three-album lifetime can’t possibly be summed up in five tracks. The producers should have just cut out all the pop, but then it wouldn’t be a history of Clapton. And that’s what a best-of album is: a story, a recollection of the artist and his musi

The Persian Gulf War Essays (2101 words) - , Term Papers

The Persian Gulf War War was inevitable in the Gulf and it was a war in which Iraq was inevitability to lose. There were several reasons why this was and became a reality. How, when, where did this process of self destruction begin? It was quite evident that Saddam Hussein. the president of Iraq, was becoming a military giant in the Middle East and therefore a threat to the stability of the entire region. His war with Iran was proof of this. The U.S. and other industrialized Western nations could not risk the loss of oil from the area. Kuwait is the second largest source of petroleum in the Middle East and so Iraqi invasion of Kuwait sent the world oil market into a frenzy. Iraqi forces then gathered their forces on the border with Saudi Arabia, the second largest supplier of oil in the world. This in turn brought the military might of the United States into the conflict. There are several reasons why Saddam Hussein invaded Kuwait. "After the 8 year war with Iran over territorial disputes and religious rivalries between the Iranian Shiites and Iraqi Sunni factions, Iraq had a massive debt to many Arab nations including Kuwait."2 The rulers of these nations wanted some of their money back but Iraq thought they were ingrates and were ungrateful for defending the Arab emirs from the Iranian Islamic fundamentalism. The Arab emirs were afraid that the Islamic fundamentalists would rise against the government and eventually take over the government as they had Iran against the Shah. Kuwait was also afraid of this and so they supported the Iraqi Arabs against the Iranian Persians. 2"Iraq",World Book (New York, World Book, 1990), Vol 10, p. 260 The funds that Gulf countries lent to Iraq were used to buy high tech weapons, high tech weapons that made Iraq one of the largest armies in the world and a force to contend with. "Ironically much of the money and weapons came from the countries that united to fight against him."1 The Gulf countries bankrolled him while the Western nations, who had many defense contractors going out of business because of the end of the Cold War, supplied him with the weapons to fight Iran and later Kuwait and the Coalition. With a large army like his, it would be very easy to defeat the far smaller Kuwaiti army compared to his. 1CNN The Gulf War (Video) (Atlanta, CNN News, 75 min., 1991) Oil had made Kuwait one of the richest and most progressive countries in the world. This desert land is one of the world's leading producers having over one-tenth of the world's known petroleum reserves. "All of this in 20150 square kilometres, a little smaller than the state of New Jersey."3 Kuwait is one of the world's wealthiest nations in terms of national income per person. It has free primary and secondary education, free health and social services and no income tax. There was much to protect. All of this was attractive and irritating to Saddam who would and did use a fraction of his army to attack and invade Kuwait in which it only took the Iraqi army 6 hours to reach the capital city. They had after their invasion about 19% of the world's known oil reserves. 3"Kuwait",World Book (New York, World Book, 1990), Vol 11, p.354 Historically Iraq had claimed that it had a right to Kuwait. "They were jealous that Kuwait was in control of the two islands needed for a deep water shipping port:the Bubiyan and Warbah islands."4 These islands along with some parts of Kuwait were a part of Mesopotamia which the Ottoman Turks conquered. "The Ottoman Empire was defeated during World War I and the British made their "own lines in the sand", dividing up the land according to their own strategic needs and in the process recklessly dividing up ancient communities and boundaries that had been recognized for decades."1 Most of Mesopotamia became Iraq and some other parts to Kuwait. In 1961, Kuwait became independent and the Iraqis threatened to invade except that British troops kept the peace. This was to be the first of many border skirmishes which include Iraqi missiles fired at Kuwaiti oil installations and the reflagging of Kuwaiti oil tankers during the Iran-Iraq War in which U.S. ships patrolled the Persian Gulf and Kuwaiti tankers were reflagged with U.S. flags. 1CNN The Gulf War (Video) (Atlanta, CNN News, 75 min., 1991) 4AP Press Toronto Star (January 20, 1991) A18 The Iraqi government

Making Six-Figures as an Indie Author

Making Six-Figures as an Indie Author It may seem like a pipe dream, but indie authors can make serious cash. I know quite a few who bring in six-figures, and After much research and observation, I’ve come up with seven key things needed to bring in the big bucks. 1.  Ã‚     Treat writing like a job. If you want the money, you have to put in the time. All of the authors I know making six-figures have many books in their backlist. Most have thirty books or more. To get there, you need to be writing every day. Make a daily word count goal and make yourself accountable to it. It might seem impossible to publish as much as they have, but don’t cut yourself short. Writing is a skill. The more you do it, the faster and better you’ll get at it. 2.  Ã‚     Stay positive. It’s going to take a lot of motivation to publish thirty books. Just remember, with every book you publish, you’re adding to your monthly paycheck. Don’t expect to get rich on one book. Take a more measured strategy and go for the long tail. There are many authors getting large checks each month who haven’t hit the NYT’s bestseller list with a book. Keep a steady goal in mind and push yourself to get there. 3.  Ã‚     Research the market. It won’t do you any good to publish thirty books if no one is buying them. Go to Amazon and look at the indie books making bank in your genre. What do they have in common? Buy at least ten and read them. List similarities and tropes that are pulling the readers in. Find common themes. Then find a way to weave similar things into your own books, in your own world. This is called writing to market. Don’t treat it like it’s a dirty thing. It’s another tool in your writing toolbox. Buy books on how to write to market as an indie author and use that tool. It doesn’t mean you can’t ever write a book just for the love of writing. You can do both. 4.  Ã‚     Hone your craft. Don’t ever think you’re done learning how to write. Go to conferences and take classes and workshops. Work with a critique group. Read all the top books on writing in your genre. Even if you’ve read it all, keep going. You might just find something new click into place. 5.  Ã‚     Make yourself look professional. Hire a cover designer and an editor. The last thing you want to do is put your book in a poorly designed package. If you’re not a graphic designer, hire one. Pay an editor. Don’t skimp out on these things or your pocketbook will suffer. 6.  Ã‚     Hang out with other successful authors. No need to re-invent the wheel. Surround yourself with indie authors who have all these things figured out and listen to them. Join an author Facebook group and read the posts. Authors are a sharing bunch. They’ll tell you what ads are working and what to avoid. They talk about what books to read or what YouTube videos to watch. If you’re not doing this, you’re going to get left in the dust. (I recommend 20Booksto50K.) 7.  Ã‚     Don’t be afraid to give your work away. I admit I owe much of my success to giving out ARC’s and making my books free on Amazon. It’s a marketing strategy. Watch the lucrative authors and see how they do it successfully. There’s no guarantee your books will sell well. However, looking at what high-dollar indie authors do and following in their footsteps will give you a better chance to succeed. It’s not an impossible dream. Set those goals and go write.

Karyo- or Caryo- Biology Prefixes and Suffixes

Karyo- or Caryo- Biology Prefixes and Suffixes The prefix (karyo- or caryo-) means nut or kernel and also refers to the nucleus of a cell. Examples Caryopsis (cary-opsis): fruit of grasses and grains that consists of a single-celled, seed-like fruit. Karyocyte (karyo-cyte): a cell that contains a nucleus. Karyochrome (karyo-chrome): a type of nerve cell in which the nucleus stains easily with dyes. Karyogamy (karyo-gamy): uniting of cell nuclei, as in fertilization. Karyokinesis (karyo-kinesis): division of the nucleus that occurs during the cell cycle phases of mitosis and meiosis. Karyology (karyo-logy): the study of the structure and function of the cell nucleus. Karyolymph (karyo-lymph): the aqueous component of the nucleus in which the chromatin and other nuclear components are suspended. Karyolysis (karyo-lysis): the dissolution of the nucleus that occurs during cell death. Karyomegaly (karyo-mega-ly): abnormal enlargement of the cell nucleus. Karyomere (karyo-mere): a vesicle containing a small portion of the nucleus, typically following abnormal cell division. Karyomitome (karyo-mitome): chromatin network within the cell nucleus. Karyon (karyon): the cell nucleus. Karyophage (karyo-phage): a parasite that engulfs and destroys the nucleus of a cell. Karyoplasm (karyo-plasm): the protoplasm of the nucleus of a cell; also known as nucleoplasm. Karyopyknosis (karyo-pyk-nosis): shrinkage of the cell nucleus that is accompanied by the condensation of chromatin during apoptosis. Karyorrhexis (karyo-rrhexis): stage of cell death in which the nucleus ruptures and disperses its chromatin throughout the cytoplasm. Karyosome (karyo-some): dense mass of chromatin in the nucleus of a non-dividing cell. Karyostasis (karyo-stasis): stage of the cell cycle, also known as interphase, where the cell undergoes a period of growth in preparation for cell division. This stage occurs between two successive divisions of the cell nucleus. Karyotheca (karyo-theca): double membrane that encloses the contents of the nucleus, also known as the nuclear envelope. Its outer portion is continuous with the endoplasmic reticulum. Karyotype (karyo-type): an organized visual representation of the chromosomes in the cell nucleus arranged according to characteristics such as number, size, and shape.

Compare and contrast the potential advantages and disadvantages of the Essay

Compare and contrast the potential advantages and disadvantages of the formal rational approach to strategy development - Essay Example The approach is also structural with a top to down hierarchy for decision making and assumption of responsibility. While middle level managers implement decisions in the approach, full responsibility remains with the top organs of an organization’s structure. Developed strategies, from the approach, are also detailed, and cover wide scopes. One of the advantages of such a bureaucratic approach is cost effectiveness that arises from the organization because only necessary steps and necessary personnel are involved in the strategic development process. This makes it affordable and allows for utilization of saved resources in other areas of an organization’s needs. The formal approach is also associated with efficiency that could arise from focus on a few individuals in the process and continuous involvement of the individuals in the process, a factor that identifies benefits of specialization. Efficiency promises quality decisions for effective strategies towards supporti ng desired objectives. Related to the efficiency advantage is the speed with which the formal approach can yield desired strategies. with well defines structures and specific and specialized personnel, the decision making at the different stages of the approach are faster and are therefore able to respond to emergency needs. Other advantages of the bureaucratic approach are its stability and continuity. These are because the formal structure eliminates possible barriers such as internal resistance and it is easy to replace a member of decision-making team for sustainability of a strategy development process or a developed strategy. One of the disadvantages of the formal rational approach is its concentration of power in the hands of a few people, and this could be risky if the individuals lack necessary competence or have conflict of interest. The bureaucratic scope of the approach

Memphis Design Assignment Example | Topics and Well Written Essays - 500 words

Memphis Design - Assignment Example Memphis emerged in the winter of 1980 as a consequence of a joint approach by Scottsass, Mendini, Alchymia and Branzi. The development of the Memphis design began between 1977 and 1978. The lamps and the Memphis furniture were the first designs to be established though they were considered inconsistent. Memphis had to improve on the original products, and certain innovative measures had to be established. The innovation of graphics was one of the improvements that were affected by Memphis. Technical drawings, lamp manufacturer development of ceramics, manufacture of fabrics and invention of new plastic covers (Radice 35-37). Memphis reflected on the period it emerged based on the individual designs, materials and the need to develop new approaches. Most of the products and materials at the time did not have a reflection of the period and a change was required to enhance the development of new designs. Memphis has a number of products that are unique and exhibit a number of unique features. The furniture is one of the most favorite products that Memphis produces. The furniture is a favorite because they are manufactured using unique designs that make them stand out from the rest of the materials (Radice 141-145). Consequently, the colors used in chairs give a unique impression to the products. Another favorite product is the lamp that is manufactured in different designs. Unique materials such as metal bars manufacture the design of the lamps. There are different colors used for the lamps that provide a classic illumination to the surrounding space. The bookcase is also a favorite product because it is designed and painted with unique colors that illuminate the different sections effectively providing a classic and a unique outlook to the product. Memphis was successful to a greater extent in its initiatives and products. Memphis through its designs and materials developed a new approach that would

Dalit Discourse in Indian Education Dhanaraju Vulli Essay Example for Free

Dalit Discourse in Indian Education Dhanaraju Vulli Essay Abstract There are two types of school system India in the issue of medium of instruction i.e the regional language system and the English language system. There is a clear cut division between the uppers castes elite children and Dalit children in getting of English medium education in Indian society. The Dalits children are given education in regional language schools while English language school education is meant for the upper castes children. This division has always been reflecting between government and private English medium schools. In the name of mother tongue the state and the upper caste elite always compel the regional medium of instruction in the policy making. This was one of the current problems in Indian Educational system. This paper can be divided into four parts. The first part will highlight the language policy after Indian Independence. The second part discusses the concept of mother tongue and its importance in the contextualizing of educational discourse in India. In the third part I would highlight the current debate on language policy and its importance in the Indian educational system. This is very important in the understanding of politics of medium of language in the present educational discourse. The last part deals with the response of the Dalits towards the English education and how they attack the upper caste nature towards regional medium education. In an attempt to locate the importance of educational policy in the wider socio-historical and political context, I will address an  ideological deconstruction of politics of mother tongue in the present Indian educational system. Keywords: English education, language, mother tongue, globalization. Introduction The question as to which language should be used as a medium of instruction in country like India is a debatable subject. The question is often posed in binary terms: Should the medium of instruction be a regional language or English? Language is a vehicle for learning as well as expression of ideas. An advanced language (English) helps in mentally provide people to  communicate each other across the world. On the other hand, an underdeveloped language has its limitations. It keeps people underdeveloped, more so those in deprived sections. The school system is divided into two types in the context of medium of instruction i.e the regional language system and the English language system. There is a clear cut division between the  uppers castes elite children and Dalit children in getting of English medium education in Indian society. The dalits  cholderns are given education in regional language schools while English language school education is meant for the upper castes childr en. This division has always been reflecting between  government and private English medium schools. In the name of mother tongue the state and the upper caste elite always compel the regional medium of instruction in the policy making. This was one of the current problems in Indian Educational system. India. In the third part I will highlight the current debate on language policy and its importance in the Indian educational system. This is very important in the understanding of politics of medium of language in the present educational discourse. The last part discusses the response of the Dalits towards the English education and how they attack the upper caste nature towards role of mother tongue in the Indian education .In an attempt to locate the importance of educational policy in the wider sociohistorical  and political context, I will address an ideological deconstruction of politics of mother tongue in the present Indian educational system. Historical View of the Language Policy in Indian Education The historical view of the evolution of the language policy in India let know us how the importance of English and its role in Indian Education. India is multilingual country. It has been reflecting in the formulation of the language policy. The Indian constitution has provided that the primary education must be taught through the mother tongue or regional language. However, a status survey of language instruction in the country exposed that of the 1652 mother tongues listed by the 1961  Census, there are 51 languages which are spoken by more than The present paper can be divided into four parts. The first part 100,000 people each. Of these 51 languages, 16 have no script of will highlight the language policy after Indian Independence. their own, and only the remaining 35 languages are accepted as The second part discusses the concept of mother tongue and its media of instruction at the school level1. English is a common importance in the contextualizing of educational discourse in  language and it is an obligatory language in the higher education The National Council of Educational Documented the demand and importance of English language in  the position paper in connection with the National Curriculum The Indian  government has been following three-language Framework (2005) as they stated: â€Å"English in India today is a formula in Education as the National Commission on Education symbol of people’s aspirations for quality in education and fuller 1964-1966 recommended. Subsequently three-language formula participation in national and international life The level of in Education was reflected in the National Education Policies of introduction of English has now become a matter of political 1968 and 1986. The Commission said that the three-language response to people’s aspirations, rendering almost irrelevant an system is an appropriate formula for the Indian school education academic debate on the merits of a very early introduction†. and it can be good approach to accommodate different language The Commission also mentioned that â€Å"English will continue to people but it has been criticized by the different sections in the enjoy a high status so long as it remains the principal medium of society on the implementation. The Dravidain movement in education at the university stage, and the language of Tamilnadau is the preeminent instance as they vehemently administration at the Central Government and in many of the states. Even after the regional languages become media of  opposed the imposition of Hindi language on south India. Higher education in the universities, a working knowledge of There is no proper planning for formulating language policy in English will be a valuable asset for all students and a India. It can be seen as a question of status planning rather than reasonable proficiency in the language will be necessary for achievement planning. Finally, the three- language formula has those who proceed to the university†. been emerged as a policy after elaborate debates and discussions among political and academic peoples with interest of national However, there is controversial about the English as a medium of instruction in Indian educational system. The contradiction of multilingual languages. The National Focus Group on Teaching of English has taken a  strong position in connection with ‘English language question: The Central Advisory Board on Education also discussed on the â€Å"English is in India today a symbol of people’s aspiration for issue of English language and recommended that English must quality in education and a fuller participation in national and be compulsory subject in the schools from 6th class onwards and international life. Its colonial origins now forgotten or students must acquire enough knowledge of English so as to be irrelevant, its initial role in independence India, tailored to high able to receive education through this English in the higher education now felt to be insufficiently inclusive socially and education. There is another development took place in the linguistically, the current state of English stems from its development of language policy in India. The first National overwhelming presence on the world stage and the reflection of Education Commission had studied the recommendations given this in the national arena†4. by the Central Advisory Board on Education. Finally they came up with conclusion that three-language formula must be included There is an astonishing faith among all sections of the society in in the context of  multilingual Indian educational system. I argue both rural and urban areas that English has the transformative that once upon a time the English language was important part of power language. English is seen not just as a skill language, but a mechanism of exclusion language due to upper caste as a means of a better life, a pathway out of exclusion and nationalists’ creation as they differentiated native language and suppression from the unequal society. The English language has alien language but now it can be seen as a tool of inclusion. In emerged as a powerful agent for social change in India. the post modern India the English language is important factor to include all the sections of Indian society. The main reason is an Mother Tongue as the Medium of Instruction increasing demand for the language which is an important tool There is a popular perspective that advocates the use of mother for the progress and development of the country. Encourage linguistic diversity in schools. This perspective argue that mother tongues are not merely speech varieties but are  languages that provide social and emotional identity to  individuals, express the essence of their cultures, and give them a sense of rootedness. Schooling in the language of the child reflects respect for her and an appreciation of her culture. The exclusion of the mother tongues from school hence is seen as ‘harmful to the child’s self esteem’. According to Pattanaik5 children are thereby â€Å"reduced to  minorities in their own homes†. Extending the realm of  pedagogy, the argument links the acknowledgement and  acceptance by the school of the language and culture of the child to a positive identity of self and thereby to effective educational achievement. As Edward says, â€Å"the rejection of a child’s language is unlikely to enhance feelings of self worth which are important for educational success†6. Further, this perspective argues that â€Å"the right to education in a language that the child understands is a basic human right and an essential ingredient of equality in education†. Pattanaik forcefully observes that to â€Å"control and dictate the language of access† to knowledge is a â€Å"positive suppression of human talent. It deprives individual and society of free choices, curbs creativity and innovativeness and restricts participation or potential participation in mul tiple spheres of human interaction, thus imposing limits on freedom†. Current Debate on Medium of Instruction Current language politics in India is an exemplary case of the issues and controversies surrounding linguistic globalization. A primary characteristic of linguistic globalization is the increasing spread and domination of the English language, which we can  capture by the term ‘global English’8. As a post-colonial democracy, India provides a context for examining linguistic globalization that is generalizable to other cases. Furthermore, in juxtaposition to the homogenizing tendency of global English, India embraces multilingualism; its federal system is based on its linguistic diversity. India’s first Prime Minister, Jawaharlal Nehru, a modern  socialist at heart and one of the premier leaders at the 1955 Bandung conference, was utterly convinced of this linkage  between the English language and technology and modernity9.  Yet he also â€Å"discovered India† through its rich and enduring diversity. He valued the adivasi, or tribal, cultures of India as much as, if not more  than, for example, the Bengali bhadralok, an early middle-class intelligentsia that emerged under colonial The Chennai Declaration (2012) has emphasized the importance rule. of mother tongue in the multi-lingual country like India as â€Å"One 10 of the significant commonalties of the Common School System As well documented by Robert King (1998), Nehru, as well as will be the plurality of mother tongues in dynamic interface with many others feared that the major regional languages of multilingualism of child’s neighborhood. This would duly independent India, such as local languages, could be divisive by include Braille and other sign languages as well. According to fomenting narrow identities, leading to â€Å"fissiparous tendencies† this radical and dynamic conception of language education, that could tear India apart. The narrative of English as the mother tongue with a multi-lingual interface is acknowledged as language of modernity and regional languages such as regional the most potent medium of education to enable the child to i. as pre-modern, parochial and even reactionary was well given the nostalgia for  think, analyze and act; ii. acquire, internalize and transform established in Nehruvian India. Today, modern language knowledge critically; iii. Learn other the caliber of Nehru’s leadership , such Nehruvian narratives languages, including English, proficiently; iv.catalyze cultural still resonate. Indeed, many of India’s political and economic and literary renaissance; v. Negotiate with the dominant process leaders today espouse the Nehruvian language ideology. of alienation with advantage, thereby avoiding being pushed-out; and vi. Question and resist oppression and explore the path of Nandan Nilekani, the co-founder of Infosys Company has put it; in India today English is a symbol of an economy comes of  age12. It is the language of international business, science and This approach believes in quality education. The quality research. In contrast, Nilekani depicts supporters of Kannada in education begins with mother tongue. Mother tongue is very the English-versus-Kannada controversy as  Ã¢â‚¬Å"chauvinistic† and important that gives high levels of ability in learning many ideologically and politically motivated. As part of Nilekani’s languages in India. Indian constitution also acknowledged the accusation of the ideological nature of pro-Kannada forces is the importance of mother tongue language as the National Curricular claim that they are denying access to English to those who have Framework, 2005 and the Right of Children to free and historically been the have-nots in Indian society, in particular the Compulsory Education Act, 2009 provided the mother tongue as lower-castes and the lowest-of-the low, the Dalits or tool for development critical thinking. However, for most Untouchables. children, particularly for the tribal and minority language children, there is no provision for education in the mother This language ideology of English as a skill, a ‘key’ or tongue. Education of such children imposes an unfamiliar school ‘passport’ critical for â€Å"upward mobility† fits in with a larger language on them, which often leads to large scale dropouts. narrative on globalization. This globalization narrative depicts Mother tongue based multilingual education for at least 6 to 8 globalization as inevitable, a force on its own with no one or no  entity directing or controlling it. Globalization, in this narrative, regional language schools cannot therefore think of achieving is an autonomous, â€Å"invisible hand† process. The linguistic anything in the globalised economy†. dimension of this process is one where English is seen as neutral Accordingly, â€Å"the divide between the English medium schools and inevitably spreading globally. The regional language schools is a caste-class divide†, which In this context, one of the most prominent public intellectuals in can be overcome by the marginalized â€Å"hijacking† the tool of India today, Ramachandra Guha differs with Nandan Nilekani exclusion, English17. As the leaders of a Dalit Association in and claim that support for Kannada is not chauvinistic, except Hyderabad Central University, put it: â€Å"The middle class and the when the private sector is obligated, or forced, to use it. It is rich can afford to send their children to private schools. For the legitimate and indeed preferable for the government to endorse poor and Dalit, the only option is government schools. Then why and approve of changing the official name of Bangalore to the these people were denied an opportunity to learn English†18. For more Kannadiga â€Å"Bengaluru,† according to Guha; it is not these Dalit leaders, those opposing English in state schools are legitimat e for regional language enthusiasts to economically â€Å"regressive and biased† English, and the pro-English linguistic disenfranchise migrants from other parts of India, as for example globalization narrative, are seen as empowering the powerless pro-Marathi fanatics in Bombay have attempted A similar, and a necessary tool for upward mobility. â€Å"soft† liberalism reasoning seems to have been the basis for the Karnatak High Court decision in the summer of 2008 against the In the central schools the medium of instruction is where the state government mandating Kannada as the medium of upper castes and other central government employee children get instruction in private schools13. The court’s decision repeatedly the education. Even though the children of a few reserved referred to the freedom of parents to make choices for their category employees’ children benefit from these schools, the children, i.e., the freedom of the individual and, by extension, divide between the English medium schools and the regional the market based on individua l choices. Language schools is a caste or class divide based on social and economic category. The divide itself was created by upper caste More recently, Kannada activists have been seeking classical intellectuals for their own vested interest. Since the days of language status for Kannada-a further central governmental Indian national movement the upper caste intelligentsia argued categorization. This is the political space opened up for investing  that the colonial rule particularly Lord Thomas Macaulay had Kannada speakers with the â€Å"moral content of a community.† In introduced English education that convert local people into other words, to act politically, i.e., to make political claims, clerks to serve in colonial government. The real character of the regional language activists need to build community, and invest English education was emphasized by Lord Machulay often that community with moral content. There is indeed Kannada quoted ‘flourish India in blood and the colour but European in chauvinists who preach an exclusive Kannadiga identity14, task and manner’, the educational enterprise of the Government giving a â€Å"divisive and dangerous†15 or â€Å"particularist at all levels of education remained within the confines of protectionist† content to their politics. But we need not condemn colonial needs and did not break the limits of colonial interest. all pro-local language politics as such. Language politics in India With this concept, colonial education elevated western is contested because of the moral content with which many local knowledge and culture that represented the colonizer. For language activists have been able to imbue the community, i.e., instance, Grants, the East India Company officer stated that ‘for with a political transformation that is empowering and moral. the continuation of British rule it was necessary to create a cla ss of Indians’ that people brought about only from the western knowledge. This perhaps, was a natural consequence of the ideas Dalit Discourse on Medium of Instruction References 17. Aggarwal Kailash S., ‘English, Laloo: a Bihari Story’, The Independent, (Bombay), 23rd September, (1993) Chaturvedi M.G and Mahel B.V., Position of Languages in School Curriculum in India, NCERT, New Delhi, (1976) 18. Interview with Mr. Gummadi Prabhakar and Dara Suman leaders of Ambedkar Students’ Association, Hyderabad Agarwal S.P. (ed )., Commissions and Committees in India, Central University, Hyderabad, Dated: 12th May, (2013) Vol. 5, Concept Publishing Company, New Delhi, (1993) Government of India., Report of the National Knowledge 19. Terry Eagleton, Ideology,( Longman, New York), 13,(1996) Commission, New Delhi, (2007) NCERT National Council of Educational Research and 20. Dalit Freedom Network http://www.nd Dalit network. org/go?/dfn/about/C33/, Accessed on 22 May, (2013) Training, National Focus Group Position Paper on Teaching of English, NCERT, New Delhi, 1, (2006) International Science Congress Association

anorexia :: essays research papers

We all know that action is the key to success, and we always try to be the very best. But in a world that will try to knock you down you must have the strength to survive the final round. Growing up today you have to be wise because its hard to tell the truth when its covered by the lies. The world can be cruel and the world can be kind, but you had better step up or you'll be left behind. This is some of a poem that one of my friends from my support group had shared on the first day. But I shouldn't get to far ahead of myself, my name is Ender Olson, and I suffer from a very serious disorder, it is called anorexia. Some may say that anorexia is not that serious, but it changed my life, and many others. It started around when I was 13, I had never really had to worry about my weight, I had a fast digestive system, and I never seemed to gain weight. But when I hit puberty things seemed to change. My body was growing, and I started to put on weight, but this didn't bother me at all, and why should it have. But it started to in the summer of 1996, it was at summer camp, we had swimming, and it was mandatory. But unlike most of the kids I had no problem with this, I was a strong swimmer and enjoyed it allot. I got to my swim class and sat down. It was a very warm day, a day that I would remember for a long time. Well we all sat on the dock listing to them give instructions on what to do and stuff like that. But I was hot, so I took off my shirt, first mistake. The girls sitting across from me stared at me and were whispering to each other, but I had no idea what they were saying. So I did the class but as I got out of the water I was behind the two girls. They were laughing, the first one said "Did you see that guy, he had bigger boobs then you did." So I assumed they were talking about me. The signs all pointed that way, and that was the first time a person ever called me fat, and I was assured to make it my last.

Jose Rizal in UST Essay

Fortunately, Rizal’s first romance, with its bitter disillusionment, did not adversely affect his studies in the University of Santo Tomas. His love for higher education proved to be greater than his love for a pretty girl. After finishing the first year of the course in Philosophy and Letters (1877-780), he transferred to a medical course. During the year of his studies in the university, which was under the Dominicans, rival education of the Jusuits, he remained loyal to Ateneo, where he continued to participate in extra curricular activities and where he completed the education course in surveying. As a Thomasian, he won more literary laurels, had more romances with girls, and fought against Spanish students. Mother’s position to higher education. After graduation with the highest position in Ateneo, Rizal had to go the University of Santo Tomas in order to prepare himself to a private career. The Bachelor of Arts degree during Spanish times was equivalent to a high school diploma today. It merely qualified its holder to enter a university. Both Don Francisco and Paciano that Jose should pursue a higher learning. But Dona Teodora did not want him to study more. Evidently she had a premonition that to much knowledge would imperil his child life. In a family council in the Rizal’s home in Calamba, she vigorously objected to have her beloved Jose acquired a higher education. She was thinking of the safety of her son. She know the fate of Filipino intellectuals-Father Burgos, Dr. Antonio Ma. Regidor,Jose Ma. Basa, and others of 1872-who were either executed or exiled by the Spanish authorities, and blamed their sad fate to their learning. Fearful of the Spanish authorities who seem to frown on those Filipinos who learn to much, she warned her husband. â€Å"Do not send Jose again to Manila. If gets to know to much, they will cut off his head!† Jose, who was present in their family council when his mother said this, was shocked. He know her mother was a woman o education and culture: she even taught him and inspired him to write poetry; she came from a family of high learning – her own brother ( and his uncle)Jose Alberto Alonso had been educated abroad and could speak multiple Spanish, French, English and German. Rizal enters the university. In April 1877, Rizal, who was bearly16 years old, matriculated in the University of Santo Tomas taking up Philosophy and Letters. He enrolled in this course for two reasons: (1) his father like it and (2) he was â€Å"still uncertain to what career to follow†. He had written to father Pablo Ramon, Rector of the Ateneo, who had been good to him during his days in Ateneo, asking for advice in the choice of career. Unfortunately, Father Recto was in Mindanao and during those days it several months to travel a letter from Manila to Mindanao. Consequently during his first term (1877-78) in the University of Santo Tomas he studied Cosmology, Metaphysics, Theodicy and History of Philosophy. It was during the school term (1978-79) that Rizal took up medicine, enrolling simultaneously in preparatory medical course and the regular first year medical course. Reasons Why Rizal Hate UST 1. Filipino Students are racially discriminated 2. Dominican Friars are hostile to him 3. The method of teachings were obsolete and repressive Reasons Why Rizal Took Up Philosophy & Letters 1. He is not certain as to what course to take 2. His father like it Reason For Taking Medical Studies 1. It is the advice of the Rector of Ateneo, whom he consulted for a choice of career, finally answered his letter, and recommended medicine. 2. He wanted to be a physician so that he may cure his mother’s failing eyesight. Rizal’s Love Affairs in UST Leonor â€Å"Orang† Valenzuela Leonor Valenzuela the fourth girlfriend of Rizal. Several months after during Rizal sophomore year at the University of Santo Tomas, he boarded in the house of Doà ±a Concha Leyva in Intramuros. The next door neighbors of Doà ±a Concha were Capitan Juan and Capitana Sanday Valenzuela, parents of a charming girl named Leonor. Rizal a medical student from Calamba was a  welcomed visitor in the Valenzuela home, where he was the life of the social parties because of his clever sleight of hand tricks. He courted Leonor Valenzuela, who was a tall girl. Almost as tall as Jose himself, and had a regal bearing. He sent her love notes written in invisible ink. This ink consisted of common table salt and water. It left no trace on the paper. Rizal, who knew his chemistry, taught Orang (pet name of Leonor Valenzuela) the secret of reading any note written in the invisible ink by heating it over a candle or lamp so that the letter may appear. But as with Segunda, he stopped short of proposing marriage to Orang. Romances with other girls After Segunda Katigbak he courted a certain â€Å"Miss L†. After a few visit he stopped wooing her. After Miss L he courted Leonor Valenzuela (Orang) but stop short of proposing marriage. Rizal’s next romance was with his cousin Leonor Rivera. Between Jose and Leonor spranga beautiful romance and became engage. In 1879, the Liceo Artistico – Literario (Artistic Literarylyceum) of Manila held literary contest it offered a prize for the best poem by a native or a mestizo. Rizal submitted his poem â€Å"A La Juventud Filipina†. (ToThe Youth Filipino).The board of judges was impressed of Rizal poem and gave it the first prize consisted of a silver pen, feathered shaped and decorated with a gold ribbon. The inspiring poem beseeched the Filipino youth to rise from the laziness. Finishes Surveying course in Ateneo (1878) During his term in University of Santo Tomas (1877 – 78, Rizal also studied in Ateneo, he took the vocational course leading to a title of porito agrimensor (expert surveyor)). In those days it should be remembered, the college for boys in Manila offered vocational courses in agriculture, commerce, mechanics and surveying. Rizal’s unhappy days at UST. Rizal’s Ateneo boy wonder, found the atmosphere at the UST a suffocating to his sensitive spirit. He was unhappy of this Dominican Institution of high learning because (1) the Dominican processors were hostile to him, (2) the Filipino students were racially discriminated, and (3) the method of teachings were obsolete and repressive. Decision to study abroad After finishing the fourth year of his medical course, Rizal decided to study  in Spain. He could no longer endure the rampant bigotry, discrimination, and hostility in UST. His uncle, Antonio Rivera, Leonor’s father, encourage him to go abroad. Both Paciano and Saturnina, whom he contacted secretly, were of similar opinion. For the first time, Rizal did not seek his parent’s decision and blessing to go abroad, because he knew that they, especially his mother will disapprove his plan. He did not also bring his beloved Leonor in his confidence. He had enough common sense to know that Leonor, being a woman, and young and romantic at that, could not keep a secret. Thus, Rizal’s parent, Leonor, and the Spanish authorities knew nothing of his decision to go abroad in order to finish his medical studies in Spain, where the professors were more tolerant and understanding than those of the University of Santo Tomas. In 1880, the artistic literary lyceum opened another literary contest to commemorate the fourth centennial of the death of Cervantesand was opened to both Filipinos and Spaniards. Many writers participated including Rizal who submitted an allegorical drama entitled†El Consejo de losDioses† (The council of the Gods). Rizal won and for the first time, an indio defeated several Spanish writer. Other Rizal literary work as an Thomasian: â€Å"Junto al Pasig â€Å", â€Å"Abd-el-Azis y mahoma†, â€Å"Al M.R.P. Pablo Ramon†. Rizal was the champion of the Filipino students in their frequent fight against Spanish students. In 1880, Filipino students in UST Founded â€Å"Compaà ±erismo â€Å"and Rizal was the chief of his secret society and led various street fight.. After finishing the fourth year of his medical course, Rizal decided to study in Spain. He did not seek his parent’s permission. Thus Rizal’s parents, Leonor, and the Spanish authoriti es knew nothing of his decision to go abroad in order to finish his medical studies in Spain.

Askari Bank Report

Company Profile |Products |Sell Offers |Buy Offers |Contact Details | |Askari Bank, one of the leading banks of Pakistan. The bank was founded in 1992, and in the 18 years since, our growth and success patterns have far outgrown industry standards. Askari Bank has expanded into a nationwide presence of 150 branches, and an offshore banking Unit in Bahrain. A shared network of over 1,100 online ATMs covering all major cities in Pakistan supports the delivery channels for customer service. As on December 31, 2007, the bank had equity of PKR 12. 27 billion and total assets of PKR 182. 17 billion, with over 800,000 banking customers, serviced by 6,808 employees. We have reinforced our products with new deposit schemes bearing competitive rates of return and packed with excellent service of first choice. Our modern electronic banking services have been developed with hard work, feedback from stakeholders and research providing better banking solutions. Askaribank continuous growth over the years is based on service to communities and customers by friendly, professional and experienced bankers trained to deliver exceptional banking services. [pic] Corporate Information Askari Bank was incorporated in Pakistan on October 9, 1991, as a public limited company. It commenced operation on April 1, 1992, and is principally engaged in the business of banking, as defined in the Banking Companies Ordinance, 1962. The Bank is listed on Karachi, Lahore and Islamabad Stock Exchanges. Since inception, the bank has concentrated on growth through improving service quality, investment in technology and people, utilizing its extensive branch network which includes Islamic and Agricultural banking. Corporate Social Responsibility is an integral part of the way we do business. In order to fulfill our CSR objectives, we attempt to promote public interest by encouraging community growth and development through sponsoring social service events, supporting education, sports, and environment and also contribute in socio-cultural activities. Awards and Achievements    |   | | » |â€Å"Best Retail Bank in Pakistan† by The Asian Banker. | |   |   | | » |†1st Consumer Choice Award† by the Consumer Association of Pakistan. 2004 | |   |   | | » |†Corporate Excellence Award† by the Management Association of Pakistan (MAP). 002, 2003 & 2004. | |   |   | | » |â€Å"The Best Bank in Pakistan† by Global Finance magazine. 2 001 and 2002. | |   |   | | » |â€Å"Best Consumer Internet Bank† Global Finance magazine. 2002 and 2003. | |   |   | | » |†Euromoney and Asiamoney Awards† 1994, 1996 and 1997. | |   |   | | » |â€Å"Best Presented Annual Accounts† by (ICAP) and (ICAMP). 000, 2001and 2002. | |   |   | | » |â€Å"The Best Presented Annual Accounts† by South Asian Federation of Accountants (SAFA), in the SAARC region. | |   |   | | » |â€Å"The Best Consumer Banking Award 2006† by the Consumer Association of Pakistan. 007 | |   |   | | » |â€Å"The Best Retail Banking Award 2008† by Pakistan Guarantee Export Corporation Ltd. 2008 | |   |   | | » |†Best Corporate Report Award for the year 2008†³ by ICAP & ICMAP. 008 | |   |   | | | | | | | | | | | | | | | |  [p|Branch network | |ic]| | |   | | [pic] | | | | » | |All Branches: | |202 | | | |[pic] | | | | » | |North Region: | |68 | | | |[p ic] | | | | » | Center Region: | |66 | | | |[pic] | | | | » | |South Region: | |68 | | | |[pic] | | | [pic][pic][pic][pic] Top of Form [pic][pic] Bottom of Form †¢ Home †¢ Reports o Accounting o Management o Marketing †¢ Articles †¢ Internship †¢ Presentations Askari Bank Internship Report Posted by reports On September – 22 – 2010 Comments Off EXECUTIVE SUMMARY: The Department of Administrative Sciences offers Masters degree in Business Administration. They are giving the best education and are offering for specialization, financial management, marketing management, human resource management and computer application to business. An important program is six to eight weeks internship with any recognized institution. I decided to take up Askari Bank Limited for my internship because it is a competing Bank nowadays and gives a good training to the internees. So in order to learn more this was my choice. This report is about my internship that I have undergone at Askari Bank Limited Multan Branch from 2nd June 2008 to 18th July 08. During my internship I am able to learn practical aspect of business, and get good working experience. On the very first day of my internship I reported to Operation Manager Mr. Noor ul Islam. He gave me small introduction of the Bank and introduced me to the staff of the Bank. Every internee is rotated among the Bank’s departments and so was I. This rotation is done in order to have general concept regarding Bank’s functions, operations and policies. In this rotation the stay in department is usually a week. I have learned more about the Basic Banking, Credits and Foreign Trade department and have given below the caption of activities I was involved in during the period of six weeks. During my internship I found that Askari Bank is a best Bank in Multan because most of the Exports and Imports in Multan are done through this Bank. Multan is one of the cotton growing cities of Pakistan. Most of the businesses in Multan are directly or indirectly linked to cotton that is also the case with Askari Bank’s clients. Because Multan is an Agricultural City, and its major export is Cotton and Mango. So its export is done on seasonal basis. In the season of cotton and Mango export Askari Bank get its target easily but difficult for it to get its target in the off season. Low profit rates used to be one of the major reasons for not meeting the deposit targets. The profit rates on Askari deposit schemes were quite low when compared with other Banks especially with the National Saving Centers, but now Askari Bank is giving a comparatively high profit rates to its customers. In today’s every customer is a rational customer, he knows the value of money and wants a best return on his money. INTRODUCTION TO BANK: Askari Bank Limited (AKBL) works as a Unit of Army Welfare Trust was established for the Welfare of Army Officials. The office of Army Welfare Trust is situated at AWT Plaza, Rawalpindi. AWT offers the â€Å"AWT Saving Scheme† to the army officials only. AWT has its units as under: †¢ Askari Associates. †¢ Askari Leasing. †¢ Askari General. †¢ Private Business. †¢ Textile Mills. †¢ Cement Industry. †¢ Askari Commercial Bank. Askari Bank Limited was incorporated on October 9, 1991, as a Public Limited Company, and is listed on Karachi, Lahore and Islamabad Stock Exchanges. The Bank obtained business commencement certificate on February 26, 1992 and started operations form April 1, 1992. Askari Bank is scheduled Commercial Bank and is principally engaged in the business of Banking as defined in the Banking Companies Ordinance 1962. Askari Bank Limited continues to scale new heights in all areas of its operations. The safety and security of depositor’s funds, high productivity and optimum use of technology are the hallmarks of its corporate strength. In 1994, AKBL earned international recognition as Asia Money Award and the title of â€Å"Best Commercial Bank of Pakistan† for the year 1994, while Euro money declared the Bank as best domestic Bank of Pakistan for the year 1995. ASKARI BANK LIMITED MULTAN Askari Bank Limited Multan was inaugurated on December 28,1994. It is located on Abdali Road Opposite to PIA Office. The location is connected to all the main trade centers in Multan. It is a prosperous branch streaming towards great achievements. At the time of its establishment the factored who were considered are as follows †¢ Multan is zone covering a large population. †¢ Multan City is linked to many big cities. Agro based area constituting growers and gainers †¢ Army Offices & Fort Colony †¢ Educational Institution DEPARTMENTS: The bank has following department: †¢ Account Opening department †¢ ATM Department †¢ Credit Card Department †¢ Account Department †¢ Credit Department †¢ Remittance Department †¢ Foreign Trade Department †¢ Cash Department ACCOUNT OPENING DEPARTME NT Borrowing funds from different sources has become an essential feature of today’s business enterprises. But in the case of a bank borrowing funds from outside parties is al l the more vital because the entire banking system is based on it. The borrowed capital of a bank is much greater their own capital. Banks borrowing is mostly in the form of deposits. These deposits are lent out to different parties. Such deposit creation is done through opening an account in the Bank. In AKBL Multan Mr. Sheeraz Hassan is operating the account opening department along with performing some auxiliary functions of Check Book Issuing TYPES OF ACCOUNTS In AKBL, there are the following types of accounts: †¢ Current account. †¢ Saving Account. †¢ Askari Special Deposit Account. (ASDA) †¢ Basic Banking account †¢ Term Deposit. CURRENT ACCOUNT In current account there is no interest on it. It is for only transaction purposes. They are paid on demand. When a banker accepts a demand deposit, he incurs the obligation of the paying all cheques drawn against him to the extended of the balance in the account. As there is no profit paid on this account it is also called chequing account because cheques can be drawn on it. Current account is mostly opened for business. SAVING ACCOUNT The purpose of this account is to induce the habit of saving individuals in the neighborhood. The minimum deposit for opening the account is Rs. 1050/- (as obvious in the Annexure). Though individuals open such accounts for saving purpose, persons belonging to Armed forces and different military institutions are free to use this account on current basis. ASKARI SPECIAL DEPOSIT ACCOUNTANT ASDA account is an interest bearing current account interest is paid. The payment of return is monthly, where as the rate of return with aspect to the amount of minimum deposit clear from deposit schedules in following table). It is also chequing account because cheques can be drawn on it. It is necessary for this account that the client must maintain a minimum balance of Rs. 0,000 at the end of the month. That’s why it is similar to current account. It is mostly opened by Business but individuals too open this account. Tax of 0. 3% would be deducted on ASDA if withdrawals are more than Rs. 25,000. TERM DEPOSITS A term deposit is a deposit that is made for a certain periods of time at the end of the specific period. the customer   is allowed to with draw the principle a mount . AKBLs Term deposits are of types clear in the deposit scheme in the table). One of them is â€Å"Askari† Advantage one month. The rate of return on this account is set by head office. The term deposit account vary one month to 1 year for all following accounts (as clear from Deposit Scheme in the table). †¢ The amount of profit is given to depositors in three ways: †¢ By cash †¢ By sending a bank Draft to depositors Home address or Officers or whichever is specified as mailing Address. †¢ The amount is credited in any one of the checking Accounts of the depositor. ACCOUNT OPENING PROCEDURE Fro the chequing accounts (C/A, ASDA, SAVING), there are different types of account holders are required for all these types of account holders. The operation /procedure requirement that is needed for † Individual Account † differ greatly from † Joint account † proprietorship â€Å"Partner ship â€Å", â€Å"Limited Company† and â€Å"Club society   or Association † as explained below. INDIVIDUAL’S ACCOUNT When a single man or women opens an account in his/her own name and has the right to operate it is called individual Account. DOCUMENTATION REQUIREMENT For literate person copy of National Identity Card is required as a primary requirement. For illiterate person and Veiled Women, along with the copy of National Identity Card requirement he or she must come in person for opening the account. OPERATION †¢ The person place a â€Å"Check Mark † in the type of account and type of operation required †¢ He/She fills in part-I of the form , a fix his /her either two or four similar signature   (or thumb expression   in the signature space and get it introduced and signed by a person   who already has an account with the bank and write his account no in the specific rows in a specific space. †¢ The person fills in â€Å"next of Kin † position where he/she father, mother, husband/wife or any other relative’s name, his /her address, phone no and affix his/her signature to certify this requirement. This requirement is needed because in his/her absence bank can have correspondence with the specific person. †¢ The person put her /his signature († or thumb expression) on the signature Specimen Card (SS CARD) similar in the area on the form. One the back of S. S card mailing address, telephone no, Person to contact and introducer space is filled in. All these requirement are necessary for future †¢ The person deposits the initial amount for opening account on to the cash counter. The person put his signature on form -A (check book requisition) on two places in â€Å"authorized signature† and fills in the â€Å"Title of Account space by writing his name. †¢ If the person put his signature in Urdu or any language other than English, he signed a â€Å"Vernacular form† where under take that affixed signature are original and his own signature and two postal size photos are needed. †¢ The next day is the opening of account. JOINT ACCOUNT When two or more persons, neither partners, nor trustees, open an in their name is called joint Account. Husband and wife or two persons of same sex can open joint account. DOCUMENTATION For joint account copy of National Identity Card of all the persons is obtained other things remaining same as in individuals account. OPERATION †¢ The person checks the type of amount and type of operation required in the respective box on the form. †¢ The persons fill in the Part-I and part-II in the form. †¢ Signatures of both persons are obtained on the form in the area specified for signature and S. S. Card. †¢ In the title of account space names of all the persons are mentioned. †¢ Accounts holder specified in the form that they will operate the form singly or jointly. PROPRIETORSHIP ACCOUNT When an owner of a firm operating singly, opens an account in his firm name, this account is called a proprietorship Account the proper himself liable for all his acts. DOCUMENTATION REQUIRED For this kind of account, an application for opening the account on the firm letter -pad (having the firm name) is required along with the NIC Card of proprietor. OPERATION All operation remains the same except that the firm name is written in the â€Å"Title of the Account† area and signature of the proprietor are affixed in the S. S. Card and the area specified for signatures on the form. PARTNER SHIP ACCOUNT The account is opened in the firm name and all partner designate one two persons to act on behalf of the partner ship firmer all acts on behalf of firm. The partners in the partnership firm are liable for the acts of the firm jointly and severely. Every partner has in a firm has an implied authority bind his co. partners by drawing and enclosed cheques. DOCUMENTATIONS †¢ Copy of N. I. C card of all partners †¢ Application to open the account on the firm letter pad. †¢ Partner ship deed in case registered partnership firm. †¢ Letter showing the implied Authority of one or more partners to act on behalf of the firm. In case of non -registered partnership firm, understanding on behalf of the firm to remain liable for all acts of the firm. †¢ Name, address of all partners is written on the pad. OPERATION All other requirement remain same except that the form is dully signed by all partners cards are signed by all those partners who will act on behalf of the firm and along filling part-I , Part-Iv is also filled. LIMITED COMPANY ACCOUNT This account is for limited companies. In order to facilitate their transaction with outside parties, bank provides many facilities. DOCUMENTATION REQUIRED Memorandum of Association. †¢ Articles of the Association †¢ Resolution of the Board of Director. †¢ Certificate of Incorporation. †¢ Certificate of commencement of business †¢ N-I-C OPERATION The persons authorized in the Resolution of the Board of Directors put their signatures on S. S Cards. Next of kin â€Å"requirement â€Å"is not need in case of a Limited Company. After completing each and every formality, introducer signature is verified by S. S card and is stamped â€Å"Verified† customer signatures are admitted by stamping â€Å"Admitting† near signature and again signatures on S. S card are admitted in the same way. The same process of verification and admission of the signatures is repeated on Form-A and next of Kin area. After completing each and every formality, Accountant is open in the computer by writing name, address, A/C Number etc. LETTER OF THE THANKS At the start of the letter 2nd day, AKBL issues letter of thanks to â€Å"Account opener† and â€Å"account opener† and † Account Introducer † for the trust the have on AKBL. CHECK BOOK ISSUING Check books are issued only for checking account such as current Account, saving Account and ASDA Account. They are not issued for other fixed and term deposits because of their Long term Accounts â€Å"nature. † ISSUING PROCEDURE †¢ Signatures on cheque – book requisition are verified by matching with signatures on SS. †¢ Cheque – book leaves number, account number, account holder’s name are mentioned in the cheque- book is made by mentioning the and the total of sum of excise duty and provincial tax. †¢ The name of A/c holder and date of cheque – book issuance is written on cheque – book requisition the account-opening officer puts his initials on requisition leave. A/c number is stamped over the leaves of cheque – book and finally authorized person affix his   signature over the debit voucher   and he voucher is attached from the cheque book and is handed   over to the customer . RECEIVING INWARD CHEQUES Another responsibility and function of account Opening Department is to receive Inward cheques for collection of o ther Banks as well as of AKBL . Then these cheques are sent to clearing official who clears these checks at SBP from other banks. ACCOUNT CLOSING Account is closed on the written request of the customer AKBL free of cost. But to surrender the cheque book yet if some leaves are yet to be write to the bank as a necessary requirements for closing the account. PROCEDURE †¢ The customer for individuals account write an application to the manager of the bank an a simple paper about the closing of his account with the bank (In case of proprietor ship partnership and limited company account the application should be written an firm or company letter –head) †¢ The individual or in case of other type- proprietor firm and company surrender the cheque book to the bank. The cheque book is then torn from one side and is attached with the application. †¢ In case of Ltd. Company account resolution of the board of directors is also obtained to attach it with the application. †¢ The account opening form of the account holder is taken from the account-opening file, and the application, cheque book, and resolution of board of directors in case of limited company account are attached with the fo rm. †¢ Lastly, it is written in â€Å"Red Ink on the form that account closed† and â€Å"Date of account closing. † EVERYDAY POSTING Following transaction of cheque book is posted:- Dr_____________ party A/c  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   50(for 10 leaves) Rs 5/leave. ATM- CARDS DEPARTMENT This department deals in issuing   ATM-Card, term deposits and Askari Bachat Certificate. Mr. Sheeraz Hassan deals this department. ATM CARD ATM – Cards are only issue to Account Holder ISSUING PROCEDURE †¢ The person, first open the account within the blank. †¢ Then he fills the ATM application form in which name of account holder, Fathers name account number and   N. I. Card number are mentioned. †¢ A copy of N. I. card is also attached with the application form. After completing this process, the application package is sent to head office †¢ ACBL head office takes a period of 3-4 weeks for preparing and processing of ATM – cards. First, list of card holder is issued and then after 15 days cards are send to ACBL’s issuing branch. The card and list are not sent si multaneously in order to avoid any mishandling. †¢ ACBL takes Rs. 350/- for 1st time issuance as charges for a card †¢ Biannually takes Rs 75. ACCOUNTING DEPARTMENT Accounts department is a department which deals and checks all the activity of all the department . It also deals in expression of finance of the bank. Salary payment is also one function of the bank. CHECKING BANK’S DAILY ACTIVITY Accounts department deals and checks the entire working of the Branch; all the vouchers that have been posted at the computer are scrutinized in accounts department. The â€Å"End of Day† i. e. computer print is also received from the computer. The next day the activity is separated some statements from the â€Å"End of Day†. Then next day activity separated some statements from the â€Å"End of Day†. The vouchers are sorted   out head wise. The vouchers are matched with the entries in the statements. Any abnormality if occurs, is immediately dealt with. All the vouchers and instruction are checked individually are checked individually against the computer printouts. After checking they are signed by Mr. .Naeem Shehzad and the internal auditor Mr. Shafiq. OTHER ACTIVITIES †¢ Preparation of daily bank positions statement †¢ Payment of salaries †¢ Preparation of the statements †¢ Depreciation calculation †¢ Lockers Issuance REMITTANCE DEPARTMENT: The need of remittance is commonly felt is commercial life particularly and in everyday life generally. The main function of the remittance department is to transmit money from one place to another. By providing this service to the customer, Bank earns a lot of income. Also customer is able to meet its day to day financial requirements. Demand Draft: It is an instrument payable on demand for which value has been received, issued by the branch of the Bank drawn i. e. payable at some other place (branch) of the same Bank. If two Banks are involved then the DD is sent to other Bank but in other case it is handed over to the applicant. Issuance Procedure: A demand draft application is given to the customer, he fills in relevant information and signs it. †¢ The officer checks the information form. †¢ The Bank charges such as commission, excise duty is charged as per effective schedule of charges. If he fills the tax exemption form, tax is not charged. †¢ In case of cash deposit, the cashier counts the amount and signs the DD application and enters it in the register. †¢ Then the officer of remittance department signs it and operation manager counter signs it. †¢ The entry is made in the DD issuing register, DD is given to the customer. Vouchers are prepared and posted. †¢ DD advises are printed and mailed to the respective branch. Payment Procedure: †¢ The Bank receives DD. †¢ The DD credit advice is received through mail. The numbers are checked and signatures are verified. †¢ An entry is made on the DD payable register and the vouchers are made. †¢ DD credit is attached with the vouchers and given for posting to the computer. †¢ When DD is received the test numbers are checked and the payment is made. †¢ Vouchers are given for posting and the entry that was made in the register is closed i. e. DD payable is Nil. Pay Order: It is an instrument issued for payment in same city. Pay order issued from on e branch can only be payable from the same branch. It is normally referred to as Banker’s cheque. It is also called confirmed cheque, because   Bank issues this on it own guarantee. Issuance Procedure: †¢ The standard form is given to the customer. He fills in the details and signs it. †¢ The concerned officer checks the form. †¢ Bank charges (or commission) as per the schedule of charges and the withholding tax of 0. 3% are applied. †¢ The cash amount of the pay order is received. A cash memo is signed, stamped and handed over to the applicant as a receipt. †¢ Then the pay order receipt is filled accordingly. †¢ Counter foil is also filled. †¢ An entry is made in the pay order issue register. †¢ Then the authorized officer signs it after checking the pay order. †¢ The order is then handed over to the applicant after obtaining his signature on the PO Form. †¢ A voucher is also made and posted at the computer. Payment Procedure: †¢ On presentation of the pay order receipt, two authorized officers of the branch sign the receipt. †¢ PO entry is made in the PO issue register. Then the amount is credited to the account of the customer or pain in cash. †¢ PO is posted at the computer. Outward Bills for Collection: The bills, which are received by the Bank and sent to other cities (branches) for the local clearing in that city, are called Outward Bills for Collection. Procedure: †¢ The cheques that are of other cities are separated. †¢ They are entered in the OBC Register and OBC numbers are given to them. †¢ The OBC forwarding schedules are prepared for different branches. †¢ The respective cheques are attached with the schedule. †¢ The office copy is filled and original schedule is mailed. On clearing, the respective Banks send back the OBCs along with the IBCA (Inter Branch Credit Advice). †¢ The OBC numbers are checked from the OBC register, after that entries are made. †¢ Commission charges are deducted from the account. Inward Bills for Collection: The bills, which are received by the Bank from other branches out of the city for local clearing are called Inward Bills for Collection. Procedure: †¢ The OBC of other branches will be the IBC of this branch. So an OBC forwarding schedule is received by mail. †¢ The cheques are entered in the IBC register. The IBC numbers are allotted to them. †¢ The cheques are lodged for clearing. †¢ After realization, an IBCA is prepared and mailed to the branch from where the cheque was received. †¢ At the end of the day, two vouchers are prepared and posted. FOREIGN TRADE DEPARTMENT Foreign trade department deals in: †¢ Foreign currency account †¢ Exports †¢ Imports FOREIGN CURRENCY ACCOUNT Mainly this account deals in individual, personal and companies account CRITERIA FOR OPENING FOREIGN CURRENCY ACCOUNT There are not hard and fast rules for becoming the Foreign Currency Account holder. Bank wants only introduction of the Client and very little about the background. I. D card is also not necessary, if someone has; well and good, otherwise no restriction will be there for him. FEATURES OF FOREIGN CURRENCY ACCOUNTS †¢ There will be legal protection for the account holders. †¢ According to foreign exchange rules and regulation every citizen of Pakistan, either within the Pakistan or outside the Pakistan, can open the foreign currency account. †¢ Resident firms and Resident Companies including investment Banks can open Foreign Currency Accounts. All foreign nationals and foreign Companies in Pakistan or abroad can open Foreign Currency Accounts. †¢ Opening of Foreign Currency Accounts in the joint names of residents/non-residents is permissible. Foreign Currency can be deposited by: †¢ Remittance received from abroad †¢ Foreign Currency Notes †¢ There will be no restriction and questioning to him about the currency, which he wants to d eposit that from where he got that money. †¢ No Zakat will be deducted on these accounts; no Income Tax deduction, no Wealth Tax deduction will be there. These incentives reinforce and motivated the people to invest in foreign currency accounts rather to keep the foreign currency idle. †¢ Foreign currency accounts can easily be transferred from one person to another, one place to another, with in the ACBL Branches or in other Bank. †¢ The account holder can transfer the funds freely, in any currency to any part of the world. †¢ Foreign currency Accounts can be used for payment of purchases at Duty Free shops. FACILITIES This account provides following facilities: †¢ Traveling quota †¢ Out ward remittances †¢ In ward remittances receiving To make remittances procedure flexible EXPORT Mainly export deals in: †¢ Negotiation of documents †¢ Sending the documents for collection †¢ Pre-shipment financing †¢ Post-shipment financing â⠂¬ ¢ Remittance against agent commission †¢ Forward covered booking †¢ Handling the documents for negotiation according to the UCP 500 (uniform custom and practices) †¢ Handling the documents for collection according to URR (uniform rules for collection) †¢ Submission of monthly returns to SBP regarding the export on form A-2/O-2 IMPORT †¢ Opening the letter of credit Scrutinize the documents receive from flowing bank under letter of credit. Account to UCP 500 and extending the credit facility to the importer informs FIM (finance against imported merchandise) FATR (finance against trust receipt). †¢ Arrange forward cover booking regarding import payments †¢ Also arrange forward cover booking for letter of credit open other then ACBL †¢ Submission of monthly returns to SBP regarding the import on form I SWOT ANALYSIS SWOT (Strength, Weaknesses, Opportunities & Threats) analysis of AKBL is described below: Strengths: AKBL has got a well-develope d on-line system in most of its branches. Remittance Department is working very efficiently in transferring the funds of people due to this system. †¢ The Bank has also started ATM facility in most of its branches. 24-hour Banking is new trend in Pakistan and AKBL has also taken apart in this trend. †¢ One distinctive feature of the Bank is that it is the only Bank working for the welfare of army officers, which was established by Army Welfare Trust. †¢ The productivity of the Bank is very good. Bank is providing a high quality service to its customers. AKBL have strength that most of the imports which are done in Multan are handle by AKBL Multan. Weaknesses: †¢ AKBL has lesser number of branches as compared to many other branches. Due to this problem, army officers can not avail the benefits of their own Bank. †¢ The human resource department is not performing the function of selection and recruitment very effectively. Selection process is not on merit due to which competent persons cannot be selected. †¢ Bank should boost the product development and increase the range of facilities offered for customers. Bank is weak in its credit management. Bank should lend to very sound parties and increase its payment rate. Opportunities: †¢ Govt. is taking very bold steps to promote IT in Pakistan. AKBL has an opportunity to improve in technology. †¢ AKBL is surrounded by many competitors. It has an opportunity to do aggressive marketing to increase its business. †¢ AKBL may increase its branches in competitive areas Threats: †¢ AKBL has many competitors, which are continuously increasing its products and marketing aggressively. It may cause its customers to shift to competitors. Some other Banks have competent taskforce, which is also a threat for AKBL. Because human resource is the most valuable resource. †¢ Due to the increased bad situation of Pakistan in which army is considered to be involved increase the freq uency of withdrawals, which would decrease deposits. Financial Analysis: Financial Highlights The current year’s profit (2007) after taxation of the bank stood at Rs. 2,681,012 as compared to Rs. 2,249,974 for last year. The deposits decreased by 16. 49% to Rs. 11,197,424 as against Rs. 13,044,593 as on 31 Dec 2006. The loans and advances figure stood at R. 5,521,030 reflect on the improving market image of Askari Bank as a formidable financial institution. Ratio Analysis The information contained in the four basic financial statements is of major significance to various interested parties who regularly need to have relative measures of the company’s operating efficiency. Relative is the key word here, because the analysis of financial statements is based on the use of ratios or relative values. Ratio analysis involves methods of calculating and interpreting financial ratios to analyze and monitor the firm’s performance. The basic inputs to ratio analysis are the firm’s income statement and balance sheet. |Ratios |2007 |2006 | |Current ratio |1. 03 |1. 04 | |Total asst turnover |0. 11 |0. 09 | |Debt ratio |0. 93 |0. 3 | |Gross Profit margin |0. 11 |0. 22 | |Operating profit margin |0. 21 |0. 12 | |Net profit margin |0. 22 |0. 26 | |ROA |0. 02 |0. 02 | Earning asset to total assets Earning assets are the assets which are very important for any company for the bank earning assets are the assets on which bank can earn its profit which may includes loans, advances, operating fixed assets and other assets on the loans and advances bank can make profit by giving or investing in some where so Askari Bank has increased it’s earning assets in the year 2007 as compared to the previous year that show the good trend in the profitability of the Askari bank and the customer believe on the Bank. Ratio tells that on what percentage earning assets contribute the total assets. Well bank also has increased it’s earning assets ratio shows the more profitability of the bank as it can be shown by the profit and loss account of the 2007 that shows the net mark up income more for the year as compared to the previous year so bank is going gradually to the more profitability by giving more advances and loans. Earning assets ASSETS |2007 | | | | |Cash |13356055 | |Balances with other banks |3497054 | |Lending |14444143 | |Investments |39431005 | |Advances |100780162 | |Operating fixed assets |5128428 | |Total earning Assets |176636847 | |Other assets |5535038 | | | | |TOTAL |182171885 | Total Earning Assets:  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Rs. 176636847 Formula: Earning Assets / Total Assets = 176636847 / 182171885 = 0. 969616 Return on earning asset This ratio indicates the how much of earn ing assets take part in making of the profit before taxation. This ratio is decreased during the year. Why   is it so it has different reasons these are as follows Profit before taxation was more in the previous year as compared to the year 2007 because bank has low expenses and less provision for the bad debts and also bank has small investments and limited loans and advances but in 2007 situation has changed and bank increased its loans and advances. Earning assets were also low in the previous year as compared to the 2007 so overall ratio has been decreased but shows the good trend for the making of long term planning Formula: Profit after tax / earning assets = 2,681,012 / 176636847 = . 015 Loan loss coverage ratio This important figure is a reserve account to cover unexpected defaults on loans by borrowers. These are generally referred to as no performing loans. The higher the no performing loan and charge-off percentages, the higher the provision for loan losses should probably be. Consequently, this would reduce net income and earnings per share. Well in the year 2007 bank’s this ratio has been increased to a great extent due to different reasons theses are as follows. Profit before taxation is low for the 2007 due to more expenses because bank is in expanding mode that’s why its expenses are increasing day by day. Provisions and bad debts also increased in the year 2007 because bank also has invested more in this year and ad more also granted more loans. Formula: Provision against non-performing loan and advances / profit (loss) before tax = 3,920,240 / 2,299,785 = 1. 70 Loan to deposit Well there is a concept that bank’s loans are its assets while its deposits are liabilities. But if a bank has low deposits then obviously it will give low loans because bank gives it’s loans by the deposits and earn on the loans then pay mark up on the deposits to the customers. Well bank has increased its loans to deposits ratio in the year 2007 showing its more deposits as well more loans and that is good for the bank to remain in the market and to penetrate in the market. But profit has not increased with the same ratio because Bank has low mark up rates Bank has more capacity for provisions Formula: Loans / deposit = 14444143 / 11,197,424 = 1. 289 Current ratio This ratio indicates the liquidity of the bank. Well this ratio has been decreased but nt much decreased during the year to a small extent due to Bank has increased its deposits so liabilities have been increased. Bank has increased its assets as well to overcome the liabilities. So overall we can say bank is the liquid enough to pay its liabilities Formula : Current assets / current liabilities = 171508419 / 166214583 = 1. 03 Debt Ratio: Debt ratio remained the same in previous year it was . 93 and in 2007 its again 0. 93. Bank has not decreased its debt ratio in 2007. Net Profit Margin: Net profit margin of a bank has been increased from 0. 12 to 0. 21. Horizontal and vertical analysis Comparing analytical data for a current period with similar computations for prior years affords some basis for judging whether the condition of the business is improving or worsening. This comparison of data over time is called as horizontal or trend analysis, to express the idea of reviewing data for a number of consecutive periods. It is distinguished from vertical analysis or static analysis which refers to the review of the financial information of only one accounting period. HORIZONTAL ANALYSIS Balance sheet accounts | |2007 | |2006 | |%age | |ASSETS | | | | | | | | | | | | | | | |Cash | |13356055 | |14879230 |-1523175 |-10. 2369 | |balances wid other banks | |3497054 | |7333002 |-3835948 |-52. 3107 | |Lendings | |14444143 | |8392950 |6051193 |72. 9852 | |Investments | |39431005 | |28625915 |10805090 |37. 74583 | |Advances | |100780162 | |99179372 |1600790 |1. 614035 | |o. fixd assets | |5128428 | |3810331 |1318097 |34. 59272 | |defferd tax assets | | | | | | | |other assets | |5535038 | |3812788 |1722250 |45. 7036 | | | | | | | | | |TOTAL | |182171885 | |166033588 |16138297 |9. 719899 | | | | | | | | | |LIABILITIES | | | | | | | | | | | | | | | |bills payable | |2627051 | |1839077 |787974 |42. 4617 | |Borrowings | |17553525 | |14964087 |2589438 |17. 30435 | |deposits&other acc | |143036707 | |131839283 |11197424 |8. 493238 | |sub-ord loans | |2997300 | |2998500 |-1200 |-0. 04002 | |liabl against assets | | | | | | | |deferred tax liab | |471519 | |736298 |-264779 |-35. 608 | |other liab | |3219796 | |2603113 |616683 |23. 69021 | | | | | | | | | |TOTAL | |169905898 | |154980358 |14925540 |9. 630601 | | | | | | | | | |Net assets | |12265987 | |11053230 |1212757 |10. 97197 | PROFIT and loss accounts |2007 | |2006 | |%age | | | | | | | | |interest earned |15143241 | |12596921 |2546320 |20. 213 83 | |interest expensed |8685624 | |6977313 |1708311 |24. 48379 | | | | | | | | |net mark up/interest income |6457617 | |5619608 |838009 |14. 1223 | | | | | | | | |loans & advances |3920240 | |1128137 |2792103 |247. 4968 | |value of investment |1501 | |376 |1125 |299. 2021 | |bad debts written off | | | | | | | |3921741 | |1128513 |2793228 |247. 14 | | | | | | | | |interest income after provision |2535876 | |4491095 |-1955219 |-43. 5355 | |Non markup/interest income | | | | | | | | | | | | | |fee,comm,brockerage income |1072868 | |1013660 |59208 |5. 41012 | |dividends income |137079 | |109326 |27753 |25. 38554 | |income from dealing in for curr |655761 | |584344 |71417 |12. 22174 | |gain on sale of inv |2361251 | |112474 |2248777 |1999. 375 | |unleasing gain |1728 | |-2308 |4036 |-174. 87 | |other income |336809 | |321758 |15051 |4. 77739 | | | | | | | | |total non markup/interest income |4565496 | |2139254 |2426242 |113. 4153 | | | | | | | | | |7101372 | |6630349 |471023 |7. 104045 | |Non markup/interest expense | | | | | | |admin exp |4789536 | |3277353 |1512183 |46. 4038 | |other pro/write offs | | | | | | |other charges |12051 | |6141 |5910 |96. 2384 | | | | | | | | |total non markup/interest expense |4801587 | |3283494 |1518093 |46. 23407 | | | | | | | | | |2299785 | |3346855 |-1047070 |-31. 852 | | | | | | | | |Profit before taxation | | | | | | | | | | | | | |current yrs |98535 | |983875 |-885340 |-89. 985 | |prior yrs |-233950 | | | | | |Deferred |-245812 | |113006 |-358818 |-317. 21 | | | | | | | | | |-381227 | |1096881 |-1478108 |-134. 756 | |Profit after taxation |2681012 | |2249974 |431038 |19. 15747 | | | | | | | | |profit brought forward |1799979 | |1617597 |182382 |11. 7487 | | | | | | | | |profit available for appr. |4480991 | |3867571 |613420 |15. 8606 | VERTICAL ANALYSIS balance sheet accounts | | |2007 | |2006 | | |ASSETS | | | | | | | | | | | | | |cash | |13356055 |7. 331567657 |14879230 |8. 961578 | |balances wid other banks |3497054 |63. 8030698 |7333002 |4. 416577 | |lendings | |14444143 |7. 928854115 |8392950 |5. 054971 | |Investments |39431005 |21. 64494538 |28625915 |17. 24104 | |advances | |100780162 |55. 32146851 |99179372 |59. 73452 | |o. fixd assets |5128428 |2. 815158881 |3810331 |2. 294916 | |defferd tax assets | | | | | |other assets |5535038 |3. 038360173 |3812788 |2. 296396 | | | | | | | |TOTAL | |182171885 | |166033588 | | | | | | | | | |LIABILITIES | | | | | | | | | | | | |Bills payable |2627051 |1. 442072689 |1839077 |1. 107654 | |Borrowings |17553525 |9. 635693784 |14964087 |9. 012687 | |deposits&other acc |143036707 |78. 51744357 |131839283 |79. 40519 | |Sub-ord loans |2997300 |1. 645314259 |2998500 |1. 80596 | |liabl against assets | | | | | |deferred tax liab |471519 |0. 258831927 |736298 |0. 443463 | |other liab | |3219796 |1. 767449461 |2603113 |1. 67823 | | | | | | | | |TOTAL | |169905898 | |154980358 | | | | | | | | | |Net assets |12265987 | |11053230 | | Findings on the basis of analysis By the horizontal or comparative analysis in which base year is taken as 2006 certain changes are measured in the Bank’s performance. Cash with other banks and balances with other banks gradually increased in the time line showing the bank’s good performance and this indicate that bank can earn more by making balances with the other banks. Lending to financial institutions not done in the last year due to more investments done by the bank and by giving more and more advances to the customers but this also has increased the bad debts and provisions of the bank as compared to the previous years. Operating assets has been decreased so that is in favor of the bank. On the liabilities side bank also has increased it’s bills payable that shows that bank has certain increased in the liabilities as well bank’s deposits also increased showing the great penetration in the market place as well customer’s believe on the bank to make deposits that’s why bank’s mark up expense has been increased. Equity also increased in the previous year but bank’s profit has been decreased because bank has invested so much and in the development process so increased in the expenses. Overall bank’s financial position in the marketplace has been increased in terms of deposits and advances. All these reasons are favorable to the bank in year 2006 because at one side bank’s assets have been increased in the form of advances and at other side markup income increased due to deposits because bank can more invest it Balance Sheet’s one portion that is Assets shows certain changes during the year. e. g Cash & balances with treasury banks have been increased that shows the bank has fulfilled and improved SBP requirements because of maintenance of foreign currency as well as Pakistani currency with other banks due to this balances with the other banks whether outside the Pakistan or inside the Pakistan have been increased. While investment have been decreased due to making balances with the other banks and so advances increased by giving more to the customers so earning power also increased. In 2007 bank not lend money to the financial institutions. Bank’s operating fixed assets have been decreased to a small extent due to this profit also is increased because bank is the service organization and for service organizations no need of more operating fixed assets. Bank’s deposits and other accounts have not been increased to the same extent as bank is giving advances. Well that shows a positive trend because bank expenses would be automatically decreased that are due to cash management. Bank’s net assets have been decreased because of less operating fixed assets and also due to increase in liabilities. Balance Sheet shows the assets are more contributed by the Advances and liabilities are more contributed y the Deposits that are favorable for the Bank. Overall result is less profit for 2007 as compared to 2006. But this has certain different reasons these are as follows Increase cash and balances with the other banks More advances Increase in deposits All these reasons are favorable to the bank in year 2007 because at one side bank’s assets have been increased in the form of advances and at other side markup income increased due to deposits because bank can more invest it. Applications of Class Room Concept: In Accounts department there was an implementation of   Financial Accounting in making balance sheets, income statements, calculation of depreciation etc †¢ In credits department there was an implementation of different categories of loans l ike personal loans, corporate loans etc which was studied in Financial Management. Recommendations: Already the bank is having a good infrastructure not much recommendations are needed as a manager but few can work :- †¢ Customers should be given some sort of facilities which can convince people for investment and go for Askari bank for Exports n Imports. †¢ Fist floor of bank is much congested, there is needed to work on that. †¢ There is not a proper environment of customer dealing on that floor that’s why customer feels difficulty in that. Accounts department was much congested, so area of that department should be extended. †¢ After biannually closing of bank there should be a get together of all the employees of bank which can give them a healthy atmosphere to work. †¢ Few of the employees used to interfere in others work so they should be strictly advised to perform their own duty well. Categories: Internship Comments are closed. 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