Pomote Equality And Inclusion In Health And Social Care Essay

1.1 DIVERSITY-understanding that every individual is novel and perceiving singular contrasts. Assorted variety truly implies distinction. Assorted variety perceive that however individuals share things for all intents and purpose with one another they are likewise extraordinary and special from numerous points of view. Decent variety is tied in with perceiving and esteeming those distinctions. Balance to treat everybody the equivalent rewarded correspondence. To guarantee nobody is being given extraordinary treatment to someone else. To treat individuals in a manner that is fitting for their requirements. Incorporation to guarantee everybody is incorporated. Nobody is forgotten about or gotten a handle on left. All dynamic to be all individuals. To guarantee that all gatherings are felt included. 1.2 DISCRIMINATION-The bias treatment of an individual it included conduct towards individuals/bunches dependent on their participation in a specific gathering or class for example religion, sexuality, culture, age. see more:explain how enactment and codes of work on identifying with balance assorted variety and separation Reactions :- Depression Outrage Stress Segregation Self destruction/self-hurt Drinking Incapable to perform obligations Environment Worry between associates Poor consideration 1.3 Working in a comprehensive manner helps bolster equity and assorted variety as it allows everybody to show their individual contrasts and yet being equivalent. It’s essential to do this so everybody feels incorporated a feeling of prosperity that their assessment is esteemed. 2.1 Equality act 2006â (employment) religion or conviction †it is unlawful to victimize individuals at work due to their religion or conviction. Human rights act 1998 †covers a wide range of kinds of separation some that are not secured by laws themselves Heath and social consideration act 2008â€this act set up the CQC who ensure and advance the privilege of individuals utilizing wellbeing and social consideration administrations they control the arrangement. Intellectual ability act 2003â€to secure any individual who has psychological wellness condition. 3.3 Without an uncertainty I would challenge any sort of separation of an assistance client. I would guarantee the administration client is okay and address the individual who is doing this. I would consistently host a third get-together present for the wellbeing of the two gatherings. a composed report to be made by the two gatherings which would be given to the trough where further examinations would happen. Possibly gave over to H.R and improvements occur from that point for example suspensions, admonitions, dismissal†¦.

Testing Process Scenario

Questions: Errand 1 The underlying piece of your proposition ought to portray the situation and how your answer applies to the issue. It ought to determine the general framework to meet the expressed requirement.Provide a nitty gritty determination of your answer, including costing and sources. Costing ought to be inquired about (for a UK sourcing). It ought to indicate the machine parts or sub-frameworks suitable to the necessity. Errand 2 Portray a testing procedure to guarantee that significant particulars and attributes are met. It ought to likewise assess the exhibition of the proposed systemDescribe the Software arrangement as a general incorporated framework, from the associations perspective, and how it would commonly work by and by. It should look at right now accessible working frameworks and propose how these can be modified. Errand 3 A test plan archive. This clarifies your technique for testing of the equipment and programming segments before installation.User documentation. This resembles an office IT guidance sheet for all staff and clients to peruse. It discloses to the client how to utilize the system.A security strategy for your answer. This is your recommended methodology for guaranteeing framework wide security.A Health and Safety record for the utilization of the association. It ought to likewise exhibit that the framework meets wellbeing and security prerequisites. Answers: 1. Presentation The higher administration of Creative Developer Limited is planned for extending their business sooner rather than later: this report contains the subtleties of the equipment and programming arrangements that have been proposed to encourage the arrangement. In segment 2 (task 1) of the report, the proposed arrangement along, with its framework particulars have been given. In segment 3 (task 2), the procedure for testing the equipment arrangement has been talked about along a conversation on different Operating Systems and the product arrangement that has been proposed. The test designs, the client documentation, the wellbeing and security plans and the framework security approaches to be executed in the association have been given in area 4 of the report. 2.Task 1: Background of the undertaking a.The situation and the frameworks arrangement The association being thought of, Creative Developer Limited or the CDL, is a built up programming application and web improvement association. It had been working at the Stratford locale of London. A flow statistical surveying attempted by the delegates of the association demonstrate that the quantity of clients to whom they could serve is expanding consistently (Patterson and Hennessy 2013). The higher administration of the association is accordingly of the assessment that improving the framework of the association would assist them with optimizing the procedures of taking into account the prerequisites of target clients (Siewiorek and Swarz 2014). At present, the association utilizes 2 engineers who structure programming applications, one planner for the improvement of illustrations applications, 4 designers having ability in web advancement and three different designers who are utilized for performing various advancement exercises. So as to meet the prerequisites of the association, the accompanying arrangements are being prescribed to the administration of Creative Developer Limited: Improvement of an official site or online interface through which the objective clients would have the option to speak with the delegates of the associations (Patterson and Hennessy 2013). The usage of cloud based stages for encouraging the entrance to application suites valuable for the improvement of programming and the online applications (Wolf 2012). The usage of a system of the PC framework that would be utilized for the operational exercises of the association, mineral explicitly with the end goal of illustrations planning and advancement of programming and web improvements (Siewiorek and Swarz 2014). The site that has been prescribed to be executed in the association would encourage the way toward marking and advancing the administrations that Creative Developer Limited is equipped for giving to the clients (Sekanina 2012). The site would likewise permit the agents of the association to speak with their clients, other than giving data on those application or programming arrangements that have been created for their clients beforehand (Hoffmann, Hoffmann and Sllner 2013). Then again, the cloud based improvement stage would permit the architects to access cloud based application advancement apparatuses, other than encouraging the capacity of the structured modules. The use of cloud based formative apparatuses would be valuable in diminishing various ventures that the administration would need to make for the acquirement of such applications, as cloud based stages permit the clients to access such assets on a common premise and pay according to utilization. The cloud based capacity would likewise permit the workers to access documents from anyplace and whenever: along these lines heightening the improvement procedure (Wolf 2012). Last yet not the least, the advancement of the system of greetings tech PC gadgets would expand the proficiency of the operational exercises of the association, alongside the between hierarchical correspondence process. b. Frameworks particular of the arrangement being given The accompanying equipment and programming arrangements are being prescribed to the higher administration of Creative Developer Limited: b. I. The equipment gadgets We suggest the Packard Bell OneTwo M D6020uk All-in-one PC, having a smooth and sophistic plan, to be introduced in Creative Developer Limited. This work area PC is introduced with the most recent Windows 7 Operating programming and would be simpler to introduce in the workplace work spaces as the model has been explicitly intended for fitting into little work area spaces (Mller and Paul 2013). The details of this work area PC have been given in the accompanying segment: The Microprocessor Kind of processor Intel Pentium Dual-Core T4300 processor Memory Clock Speed (RAM) 800MHz FSB (Computerhope.com 2016). L2 Cache 2MB (Encarnacao, Lindner and Schlechtendahl 2012). Chipset Intel Graphics Media Accelerator 4500 M Clock Speed (Processor) 2.1GHz The Screen Size 20 inch Screen goals 1600x900 Innovation Contact PANEL Difference proportion: 1000:1 (Computerhope.com 2016). The Sound framework Type Coordinated on the PCI Slot ( that is the motherboard) Speaker Type Sound system speakers The Memory Type Limit: 3GB, DDR2 memory (Encarnacao, Lindner and Schlechtendahl 2012). (Slam) 800MHz FSB The Hard Drive 1 TB Hard Drive HDD turn speed (Manna and Pnueli, 2012). 7200rpm, Type: SATA The Operating System The preloaded Certified Windows 7 (Hatley and Pirbhai 2013). Working System type 64-bits The Peripherals a. DVD Rewriter b. Worked in remote (802.11b/g/n) c. Coordinated Graphics d. Advanced TV Tuner (Hatley and Pirbhai 2013). Card peruser 5 of every 1 ( underpins :,SD, xD, SD HC, MS Pro,MS, MMC) Optical drive Plate SUPER MULTI DVDRW (Siewiorek and Swarz 2014). At present, the market cost of this equipment would be around 379.00 (Packard Bell 2016). This specific equipment set has been suggested as the equipment determinations of the machine show that the product applications required for the operational exercises of the association would be all around upheld. Other than this, the fabricates have consolidated enough RAM office to run the essential web application improvement apparatuses like that of Adobe Photoshop, Microsoft Visio, and Dreamweaver. b. ii. The cloud based improvement stage A few cloud stages are accessible nowadays which can be utilized exclusively for the reason creating programming applications (Valilai and Houshmand 2013). Using such devices don't require a specific equipment particular and the expenses of these administrations differ significantly dependent on the items being utilized and the degree of use. b. iii. The web-based interface The framework detail of the site that would be intended for Creative Developer Limited has been given in the accompanying table: At present, building up a proficient site containing the previously mentioned highlights would require a venture of around 35,000 approximately.b. iii. The online specialized toolIn this area of the report, the framework particulars, that is, the highlights and utilities of the electronic specialized device, have been talked about in a word. The highlights have been chosen dependent on the prerequisites of the customer and incorporate the accompanying: Upheld by all driving Operating Systems, similar to that of Windows, iPhone, Android, and so forth. Intended for supporting texting and video calling highlights (Biltoftà ¢Ã¢â€š ¬Ã‚ Jensen et al. 2014). Would bolster gathering and point to point phone calls. Intended for total call move offices (Dmoz.org 2016). Would give access to every single nearby contact in a split second and contact records would be refreshed with new contacts naturally (Linsley 2014). It is normal that the improvement of the redid web application apparatus and its establishment in the figuring gadgets used by the representatives of Creative Developer Limited would cost 10000.00 approximately.3. Assignment 2:a. Testing process for the equipment systemIn this area of the report, we give the subtleties of the testing strategies that ought to be used to evaluate the productivity of the structured framework before it is commissioned.It merits referencing that the testing procedure ought to be directed before settling the merchant and the model of the registering gadgets to be introduced in an association. Other than this, t

Mccarthys Abuse Of Power Essays (2290 words) - McCarthyism

Mccarthy's Abuse Of Power McCarthy's Abuse of Power In 1954 a youthful junior Senator from the province of Wisconsin held the whole Senate in the palm of his hand. Representative Joseph R. McCarthy utilized a forceful procedure of falsehoods, individual assaults, and promulgation in a forceful endeavor to pick up power. Was Senator McCarthy a crusader for the benefit of all of the individuals or would he say he was the instigator of a witch-chase looking for just political force? What strategies did McCarthy use to pick up his capacity? What realized his destruction? Joseph McCarthy was a mind boggling man and so as to comprehend his reasoning you should initially take a gander at his history, strategies, and supporters. Joseph McCarthy wasn't generally the reckless and forceful man that history has described him. McCarthy was destined to a decent Irish Catholic family. Neighbors recollect Joseph just like a modest fellow, seen-yet not-heard. At nineteen McCarthy ventured out from home to fill a situation as a head supervisor. At abou t this time the once modest and bashful kid started to change into a sharp and forceful man. McCarthy returned to class where he moved on from Marquette University with the title class president and a law degree. McCarthy started providing legal counsel in a modest community and was before long offered a situation with a very much regarded law office, which he grabbed up. McCarthy before long got upset working for another person and needed some intensity of his own. McCarthy started fraternizing with the nearby clubs and associations McCarthy was so popular that he was chosen leader of the Young Democratic Clubs of Wisconsin's Seventh District. With a political sponsorship McCarthy chose to run for head prosecutor of Shawano County under the Democratic ticket. McCarthy came in second losing to a Progressive applicant however beat out the Republican competitor by around a thousand votes. McCarthy surveyed in seven fold the number of votes as he ought to have which gave the new confro nted legal counselor great trusts later on. McCarthy, in his cheerful moods, than chose to pursue the situation of tenth circuit judge. McCarthy confronted an intense test on the grounds that before his desire was a prepared Judge of 35 years who a great many people anticipated would be a certain success. One rancher portrays McCarthy, ? He had scarcely turned thirty; he was most likely the least experienced attorney in the region, and he did not have the nobility an appointed authority ought to have.? McCarthy would not let suppositions impede him and he ran an angry crusade. Judge Werner was 66 and McCarthy alluded to him as ?my 73-year-old Opponent,? on account of this McCarthy had the option to misuse an age issue, which he utilized it in his crusade. McCarthy additionally ran a forceful mailing effort conveying a large number of letters. These variables lead Joseph R. McCarthy to the town hall and allowed him his first taste of political force. ?Judge McCarthy Breezed into the court loaded with vim and essentialness, similar to a solid west wind blowing through the decaying corridors of equity.? McCarthy went to the court with vitality, which immediately managed away an excess of about 250 cases. McCarthy was not as legal as he was snappy and was known to give ?fast in and out separations? to his political supporters. At a certain point the Wisconsin Supreme Court marked his activities as ?profoundly inappropriate.? While an appointed authority McCarthy started organizing and built up a rundown of names and quantities of key political players and media associations, which he could depend on the off chance that he ever need support. In 1942 McCarthy deferred his legal delay and joined the Marine Corps. The purpose behind this is insecure at any rate yet his activities in the Corps give proof that he required a decent military foundation if he somehow managed to be fruitful in governmental issues. ?He immediately won a notoriety among individual officials a s an ?administrator? also, an ?advertiser. On one event he sat in the back of a grounded plunge plane and shot 4,700 rounds of ammo, an exposure stunt which made the Associated Press wire.? In another example McCarthy spread around gossip that he had been injured in real life, which additionally made the papers back home. McCarthy with the position of Captain went on dynamic leave and upon come back to Wisconsin

The Most Intimidating Part of Writing an Argumentative Research Paper

The Most Intimidating Part of Writing an Argumentative Research PaperArgumentative research papers tend to fit the mold of most research paper. Writing one can be intimidating at first but with practice and perseverance, it can be done! While this article isn't necessarily about producing an argumentative research paper, I am going to share some tricks that I use in order to make it easier.The biggest obstacle to writing actual research is actually the task itself. This is because the task requires a lot of research, reworking of existing information, and a good amount of time. In order to overcome this hurdle, I find it helpful to have a research schedule which I follow. Here are a few tips that I use to get started:This is also something I do to boost my overall writing level. The next section is going to help me accomplish this. The objective is to come up with ideas that will produce a large quantity of relevant information. By the time you get to the last paragraph, you will hav e accomplished something of real value and focused on writing a persuasive argument.In order to successfully write an argumentative research paper, you need to avoid cliché. The idea is to change the perspective of the reader so that the research paper becomes more relevant to their lives. By being unique, the research paper becomes a piece of work that a reader can read, appreciate, and truly think about.There are many books available to assist with the writing process. I usually buy one, read it, and change a few ideas. I have found that this is an ideal way to get started. I only change a few things here and there and then put it aside for a few days to get it completely ready.This is the final part of the article. When you get to the end of the argumentative research paper, you should have the research written and you should have your thesis statement. This is your body of work, which can be used in a variety of situations. You can use this as a resource for your other work.I h ope you find these tricks helpful in writing your argumentative research paper. They can easily be integrated into your research process.

William Shakespeare s Othello And George Orwell s Animal...

Manipulation is a repulsive trait present in one’s personality which leads them to commit drastic deeds. One can use this to persuade people to do things for their own benefit. In William Shakespeare s Othello and George Orwell s Animal Farm, the main characters, Iago and Napoleon, manipulate others to achieve their personal goals. Napoleon and Iago manipulate their peers’ trust, their friendships, and abuse their ranks to reach their goals. Both Iago and Napoleon use this to their advantage and attempt to get what they want, not caring about the risks and consequences that could follow. Trust is a very important thing to have amongst friends and comrades. Although once a trust is formed, it can be easily manipulated, making people believe and see things that are not exactly true. An acceptable example is the character Iago from Othello. One scenario that is used in the play Othello is when Cassio is speaking with Desdemona, requesting her to speak with her husband to return his status as a lieutenant. Iago sees them while walking with Othello and he manipulates Othello into believing that Desdemona and Cassio are having an affair. OTHELLO Excellent wretch! Perdition catch my soul/ But I do love thee! And when I love thee not,/ Chaos is come again. IAGO. My noble lord- OTHELLO. What dost thou say, Iago? IAGO. Did Michael Cassio,/ When wooed my lady, know of your love? OTHELLO. He did, from first to last. Why dost thou ask?.... IAGO. I did not think heShow MoreRelatedGp Essay Mainpoints24643 Words   |  99 Pagestotalitarianism† †¢ Spread false information about themselves and their rival political opponents †¢ E.g. Change their entries on Wikipedia to improve own image †¢ E.g. Spreading of false claims that Iraq had weapons of mass destruction by the George W. Bush government (YouTube) Spread of idea of democracy †¢ Activists set up watchdog groups criticise governments for not being wholly democratic †¢ Amnesty International scrutinizes countries worldwide to determine whether they are democratic

The Native Family Versus the Dominant Culture in American...

The Native Family Versus the Dominant Culture in American Horse by Louise Erdrich The current interest in what has come to be called multicultural literature has focused critical attention on defining its most salient characteristic: authoring a text which appeals to at least two different cultural codes. (Wiget 258) Louise Erdrich says shes an emissary of the between-world. (Bacon) I have one foot on tribal lands and one foot in middle-class life. Her stories unfold where native family and dominant culture clash yet rarely blend, a kaleidoscope of uneasy pieces. The reader becomes the mediator, an observer on the edges as two cultural codes (Wiget 258) collide. She creates dyads: shards of interaction as identities reflect†¦show more content†¦Buddy had been knocked awake out of hiding in a washing machine while herds of policemen with dogs searched through a large building with many tiny rooms. . . .Tss, his mother mumbled, half awake, Wasnt nothing. But Buddy sat up after her breathing went deep again, and he watched. There was something coming and he knew it. (American Horse 196) The reader has sound and visual cues to determine Albertines condition. Is she sleeping or in a stupor? Later the social worker alludes to Albertine as an alcoholic. [But notice that the child only speaks of the sweet scent of powder on his mother, not of alcohol] Buddy is sitting on the edge along with the reader. When Erdrich changed the Buddy character to Redford for a chapter in The Bingo Palace, she included the words that hes been knocked out of a dream where he was hiding in a washing machine. (Bingo Palace 171) providing more insight into how he gained his surrealistic visions. Buddy has a picture in his mind: It was a large thing made of metal with many barbed hooks, points, and drag chains on it, something like a giant potato peeler that rolled out of the sky, scraping clouds down with it and jabbing or crushing everything that lay in its path on the ground. (American Horse 197) In Bingo Palace, it becomes, something like Grandma Zeldas potato peeler providing a concrete connection to Buddys

Disability Is Not Inability Sample Essay Example For Students

Disability Is Not Inability Sample Essay Today there are many scholars with a whole scope of particular demands that may put them apart from the bulk of pupils in a schoolroom. These scholars may hold physically disabling conditions – such as ocular, hearing,  orthopedic and speech jobs; larning disabilities based on slow advancement in basic accomplishments and language-related countries; emotional disablements or even circumstantial disablements that would do their behaviour in a schoolroom particular involvement to you as an instructor. The surprising fact about these scholars today is that regardless of their disablements, their particular demands or even favoritism at some points, they have acquired instruction and benefitted from it to take meaningful lives as those of the `normal` people. Therefore, before we have an expression at these disablements, how these scholars have overcome their disablements to get instruction and how have they benefitted from it, it is of import to get down by cognizing what disa blement really is. What is disablement? The WHO defines disablements as: Disabilities is an umbrella term. covering; Impairments- jobs in organic structure map or changes in organic structure construction – for illustration, palsy or sightlessness; Activity limitations- are troubles input to teaching activities – for illustration, walking or feeding; Participation restrictions- are jobs with engagement in any country of life – for illustration, confronting discrimina ¬tion in employment or transit. Therefore disablement is a complex phenomenon. reflecting an interaction between characteristics of a person’s organic structure and characteristics of the society in which he or she lives. What is an inability? Inability ( to make something ) is the fact of non-being able to make something. Disability is non-inability, hence by and large means that people with any damages, activity restrictions or engagement limitations are non-dawdling behind in accomplishing their ends. In fact, they have optimized whatever they have to take a meaningful life. Therefore, to specify the claim â€Å"disability is non-inability† in relation to scholars with particular demands, let’s Begin to look at the different classes of particular demands or disablements and how they are covering with to do an acquisition of instruction possible, together by holding an expression at different instance surveys. Learners WITH SPECIAL NEEDS There is frequently a trouble in speaking about them since they are non a homogeneous population any longer than are `normal` kids. There is a great scope of differences among them. However, they can be categorized as such: PHYSICALLY DISABLED Orthopedically handicapped This class applies to people with major physical jobs. such as cerebral paralysis or spina bifida, whose mobility and other maps are impaired as a consequence. Spina bifida is a developmental birth defect affecting the nervous tubing. uncomplete closing of the embryologic nervous tubing consequences in an incompletely formed spinal cord. Rene Kirby – Rene Kirby ( born February 27. 1955 ) is an American movie and telecasting histrion. Kirby used spina bifida to his advantage when he played his function in shallow Hal. he was besides in â€Å"Stuck on you† with Matt Damon. He is the life cogent evidence that you can take a productive life even with disablements. Cerebral paralysis ( CP ) is an umbrella term embracing a group of non-progressive. non-contagious diseases that cause physical disablement in human development. Karen Ann Killilea – ( born August 18. 1940 ) – is the topic of two bestselling books by her female parent Marie Killilea. Karen and With L ove from Karen. These books were groundbreaking in their averment that kids with intellectual paralysis could be raised to take productive lives. Karen Killilea was born three months prematurely and as a consequence of her prematureness. she developed intellectual paralysis. After she was diagnosed. Karen’s parents decided to actively raise her at the place, contrary to the advice of physicians to perpetuate her to a refuge and bury her. After using at least 23 physicians. they found one who taught them to make physical therapy with Karen ( so an extremist construct ) . which they did for six hours per twenty-four hours for over 10 old ages. Karen learned to walk with crutches. write. and utilize her weaponries and legs. She developed into a reasonably happy adolescent and a grownup who has been populating independently and working for decennaries. As explained in Marie Killilea’s book â€Å"Karen† and the subsequence â€Å"With Love From Karen † the Killilea household ch ose to raise Karen at place alternatively with as normal a life as possible. and proved that kids with intellectual paralysiss can populate normal lives and need non be mentally impaired. Centripetal DISABILITIES Speech handicapped This class includes persons who have common address jobs such as defective articulation ( the inability to bring forth sounds right ) or less common jobs. such as stuttering and cleft roof of the mouth. Tiger Woods – Tiger Woods ( born Eldrick Tiger Woods, December 30, 1975 ) is an American professional golf player whose accomplishments to the day of the month rank him among the most successful golf players of all clip. Tiger Woods had bumbling jobs at childhood but he got past it through difficult work and pattern. He admitted making everything possible to suppress his address upset including speaking to his Canis familiaris until he would fall asleep. He did hold a batch of aid from his household. particularly his female parent. He so became one of the most successful golf players the universe has of all time known. Blind and partly sighted The blind, as defined for intents of instruction, are those persons with seeing so hapless that ocular reading methods are inappropriate. A non-visual process, such as Braille reading, must be substituted. The partly sighted are those with important ocular jobs who. with adjustments can be taught to read printed books. Hellen Keller would be the one the most inspiring individual who proved that disablement is non-inability. She was left deaf and blind by a disease when she was 19months old. Born in the nineteenth Century. it was hard to pass on or seek to utilize engineering to easen the disablements. but she went on to go the first deaf/blind individual to gain a Bachelor of Arts Degree. She learned English, Gallic, Latin. Greek and German utilizing Braille. She wrote 12books. She was a militant for the rights of the Blind and deaf. She was widely traveled and even an acclaimed front-runner of the Japanese. Her disablements earned her some ridicule particularly when she aired her political positions. some claiming her base was due to her â€Å"limited development† but such words did non do her lose hope in her battle. Her sheer finding and Anne Sullivan. Helen’s coach who motivated her to analyze and oblige her to utilize her sense of touch and her mental power to accomplish all the success that she was capable to accomplish. Louis Braille – ( January 4. 1809 – January 6. 1852 ) Louis Braille became blind after he by chance stabbed himself in the oculus with his father’s awl. He subsequently became a discoverer and designed Braille authorship. which enables blind people to read through experiencing a series of organized bumps stand foring letters. This construct was good to all unsighted people from around the universe and is normally used even today. If it were non for Louis Braille’s blindness he may non hold invented this method of reading an d no other blind individual could hold enjoyed a narrative or been able to grok of import paperwork. Deaf and hard of hearing A hearing damage or hearing loss is a full or partial lessening in the ability to observe or understand sounds. A hearing damage exists when a person is non-sensitive to the sounds usually heard by its sort. In human existences. the term hearing damage is normally reserved for people who have comparative insensitiveness to sound in the address frequences. Peoples who are difficult of hearing have changing sums of hearing loss but normally non-adequate to be considered deaf. Many people who are deaf consider spoken linguistic communication their primary linguistic communication and see themselves â€Å"hard of hearing†. Peoples with one-sided hearing loss ( individual sided deafness/SSD ) can hear usually in one ear. but have problem hearing out of the other ear. A job with this type of shortage is the inability to place sounds. Those who lose their hearing subsequently in life. such as in late adolescence or maturity. face their ain challenges. For illustration. they must set to populating with the versions that make it possible for them to populate independently. They may hold to accommodate to utilizing hearing AIDSs or a cochlear implant. develop speech-reading accomplishments. and/or learn mark linguistic communication. Metamorphosis By Franz Kafka Essay ThesisTherapy Therapy is concerned with restoring and compensating for the loss of working. and forestalling or decelerating impairment in working in every country of a person’s life. Therapists and rehabilitation workers include occupational healers. orthotists. physical therapists. prosthetists. psychologists. rehabilitation and proficient helpers. societal workers. and address and linguistic communication healers. Therapy measures include: training. exercisings. and compensatory schemes education support and guidance modifications to the environment provision of resources and assistive engineering. Converting grounds shows that some therapy steps improve rehabilitation results. Distance preparation was used in Bangladesh for female parents of kids with intellectual paralysis in an 18-month therapy programme. It promoted the development of physical and cognitive accomplishments and improved motor accomplishments in the kids. Assistive engineerings An assistive engineering device can be defined as â€Å"any point, a piece of equipment. or merchandise. whether it is acquired commercially. modified. or customized. that is used to increase. keep. or better the functional capablenesss of persons with disabilities† Common illustrations of assistive devices are: †¢crutches. prosthetic devices. wheelchairs. and trikes for people with mobility damages; †¢hearing AIDSs and cochlear implants for those with hearing damages; †¢white canes. magnifiers. optic devices. speaking books. and package for screen magnification and reading for people with ocular damages; †¢communication boards and address synthesists for people with speech damages; †¢Devices such as twenty-four hours calendars with symbol images for people with cognitive damage. Assistive engineerings. when appropriate to the user and the user’s environment. have been shown to be powerful tools to increase independence and better engagement. A survey of people with limited mobility in Uganda found that assistive engineerings for mobility created greater possibilities for community engagement, particularly in instruction. In a survey of Nigerians with hearing damages, a proviso of a hearing assistance was associated with an improved map. engagement and user satisfaction. More stairs have taken to turn out that disablement is non-inability: National program – making or amending a state program of action and set up substructure and capacity to implement the program are cardinal to including kids with disablements in instruction. For case; The Ministry of Education in Kenya provides for kids with physical and mental disablements to be placed in mainstream schools. Other important organic structures: The Kenya Institute of Particular Education ( KISE). a authorities establishment established in 1986. with the purpose of run into the educational demands of handicapped kids, young person and grownups; The Kenya National Commission on Human Rights. established through an Act of parliament. proctors abuse of human rights in Kenya. Policy clear national policies on the instruction of kids with disablements are indispensable for the development of more just instruction system. Funding- this includes funding particular demands of instruction. whether in specialized establishments or mainstream schools. possibly through the National Budget. or even financing peculiar demands of the establishments for stuff. learning AIDSs and runing staff. The National Fund for the Disabled of Kenya is a gift Fund established under the Perpetual Succession act Cap 164 of the Laws of Kenya and mandated to use our income for the benefit of the handicapped individuals within Kenya. to offer the best support services to individuals with disablement in Kenya through the proviso of resources. publicity of consciousness on the part they make towards national development. and protagonist of appropriate steps to minimize conditions giving rise to disablement. Supplying extra support to kids with disablements through counsel and guidance. Constructing instructor capacity – to supply appropriate preparation for instructors to be confident and competent in learning scholars with diverse educational demands. Diploma and Certificate Courses in Special Needs Education through Distance Learning is provided by Kenya Institute of Particular Education ( KISE). These classs aim at giving expertness. cognition and accomplishments for effectual support of kids with particular demands including those with disablements. Community and parent participation- to do installations available for scholars with particular demands to prosecute instruction. Forming organizations – that trade with handicapped people. For illustration in Kenya, The United Disabled Persons of Kenya ( UDPK ) is an umbrella organic structure made up of handicapped persons’ organizations ( DPOs). UDPK’s chief purposes are to turn to disablement equality concerns through statute law and protagonism and awareness-raising. Other important organizations include: Kenya Society for the Blind Kenya Programmes of Disabled Persons Kenya Union of the Blind African Union of the Blind Kenya Institute of the Blind Kenya National Association of the Deaf Kenya Association of the Intellectually Handicapped Autism Society of Kenya Inclusive Education No scholar with particular demands would be like to be referred to as a handicapped individual or as an exceeding instance. Therefore. inclusive instruction is the reply to that. It is the sort of educational set ups that caters for scholars with particular demands in the regular and ordinary acquisition environment. Inclusion in instruction is an attack to educating pupils with particular educational demands. It appreciates and considers the single acquisition abilities and disablements without know aparting or doing scholars experiencing bad about their conditions. No labels are attached to individuals with respect to their disablement. For illustration: blind. mentally retarded. Inclusive instruction differs from antecedently held impressions of ‘integration’ and ‘mainstreaming’. which tended to be concerned chiefly with disablement and ‘special educational needs’ and implied scholars altering or going ‘ready for’ or deserving of adjustment by the mainstream. By contrast. inclusion is about the child’s right to take part and the school’s responsibility to accept the kid. Inclusion rejects the usage of particular schools or schoolrooms to separate pupils with disablements from pupils without disablements. A premium is placed upon full engagement by pupils with disablements and upon regard for their societal. civil. and educational rights. Besides learning and learning stuff, instructions. environment. and relationships are adapted to accommodate single demands. It merely means that holding a particular demand ( disablement ) does not do one particular or handicapped. It merely means that he or she can make the same thing the others do but in a different manner. For illustration: You walk on your two pieces. I walk on crutches. wheelchair or crawl You usage sight to read. I use touch ( fingers ) You hold your pen with your fingers; I use my legs or oral cavity. Decision The instance surveys and people discussed in this paper are those brave and epic people who have achieved a batch of success in their lives despite of all the hindrances they face being disabled. These valorous people have amazed the universe with their bravery. finding. strength and amazing will. They overcome all the obstructions they faced and neer allow their disablements come in their way of glorification. With their finding. these extraordinary persons have made a difference in this universe. and such people are legion, who is a motive for others, by turn outing, that nil is impossible when you have the will and finding to make it. I would wish to stop this paper with some of Helen Keller’s celebrated quotation marks. which can reason that without any uncertainty. disablement is non-inability. â€Å"While they were stating among themselves it can not be done, it was done† â€Å"We could neer learn to be courageous and patient. if there were merely joy in the worl d† â€Å"Unless we form the wont of traveling to the Bible in bright minutes every bit good as in problem. we can not to the full react to its solaces because we lack equilibrium between light and darkness† â€Å"People do not like to believe. If one thinks. one must make decisions. Decisions are not ever pleasant† Mentions Borg J. Carson S. The right to assistive engineering and its execution. Ahmedabad. India. ICFAI University Press. Bower. E. M. ( Ed). The disabled in literature. Mile-high city: Lore. 1980 Loring. J. Burns. G. ( Eds ) . Integration of disabled kids in society. London: Routledge and Kegan Paul. 1975. Orlosky. E. D. ( Ed). Introduction to Education. Colombus: A Bell and Howell Company. 1982. World Wide Web. disabled-world. com World Wide Web. kenyaplex. com World Wide Web. Kenya. usaid. gov World Wide Web. who. in

Society And Individuals Essays - Charles Cooley, Pragmatists, Self

Society And Individuals Society and individuals do not denote separable phenomena, but are simply collective and distributive aspects of the same thing. In this aspect of his theory Charles Horton Cooley states that the individual or person is actually a part of a larger individual called society. With that statement I will discuss Cooley`s theory and explain my reaction to the theory. Cooley states that a person`s self grows out of a person`s commerce with others. Well doesn`t that create a society? A person`s individual self put together with millions of others selves equals a society. So where does an image that society want, come from? One person? In my opinion most individuals are afraid to express their own opinion. Thus creating a free market on the opinion. One person comes up with the opinion and the rest of society, if they feel it is not harmful to themselves, goes along with the opinion. This creates separate subculture in society such as the punk subculture or the thug subculture. Because one person was willing to put spikes in his hair for an outrageous reaction, others followed to express them selves with out being an individual but being an individual society. In the thug subculture does in make you hard to wear clothes to big? If it does, than how do today's youth in middle class suburbia sport that style, they have never lived in the ghetto and experienced things like true thugs have. In this manner peoples individual selfs have come from whom they interact with. Supporting Cooleys theory. The only problem with this idea is that it leaves the idea of originality to be an outcast on society. Being different from every one is a call for prejudice, harassment, and being left out of societys in crowd. We should be able to see a person for their accomplishments and their abilities. Not if the are accepted by society. The theory it self is an outline for and how to make someone an outcast. If an individual comes a long and is living in society and doesnt worry about his appearance or materialistic things, is he/she an outcast. By Cooleys theory he/she is an out cast because in his theory he states The imagination of our appearance to the other person, the imagination of his judgement of that appearance, and some sort of self-feeling, such as pride or mortification. If this individual doesnt have or want to acknowledge those principals that means he has to be an outcast for not believing in what the rest of society believes in when in actuality society is the outcast for trying to be like every one else. Cooley also states that Ifwe say that society is an organism, we meanthat it is a complex of forms of processes each of which is living and growing by interaction with the others, the whole being so unified that what takes place in one part affects all the rest. It is a vast tissue of reciprocal activity. In this part of his theory he is trying to say that if we deny the chance for your individual to grow we deny our society to grow and vice versa. With this part of the theory I agree. A society is based on individuals. An example of this is teen pregnancy. If you got pregnant in the 1950s you were considered dirty and an outcast, but as it got more common in society people began to accept it more. Now if you get pregnant it is like oh well. In that aspect changing people and their values has changed society and their values. You cant change one with out changing the other. Now with that into consideration, to change society you would just have to change the individuals ideas, but they get their ideas from society. So how do you change society? Well Cooley said Our life is one human whole, and if we are to have any real knowledge of it we must see it as such. If we cut it up it dies in the process. In this part of the theory I think he is trying to say that dissecting to far into the relationship of an individual and society is just impossible. That while you are looking for the connection you will lose your connection with society, causing you to lose contact with yourself. Life is full of mystery and surprise, to find all the answers would just ruin life. There would be nothing else for you to

Losing Your Culture Essay Essays

Losing Your Culture Essay Essays Losing Your Culture Essay Essay Losing Your Culture Essay Essay One of the Characters from Everyday use such as Dee and Irene or Clare from Passing, felt unappreciated and that they were lesser individuals all based upon the color of there skin due to all the rights and statements that hampered the African American Population. The two stories can be used closely to explain the topic of race and Inequality, even though both stories have very diverse plots. Regardless, Clare and Urines passing back and forth from black to white can be correlated to Dee and her conversion to the Islamic faith. In the two stones, the theme of a lacking culture plays a huge role In establishing the feeling of uneasiness and hardships that as a society the African Americans of the mid 1 asss felt. The Resistance to ones culture can be seen most accurately by Clare in the Passing by her pep, white lifestyle. Pamela Gauche, best describes this appearance in the story by saying Clare, by passing, seems to have forsaken her racial heritage and acts as if she has no racial past(Gauche 4). Clare is the atypical selfish character that does things for her even if that means stepping over the things that she once had a heart for. Clare at one point was actually married too white supremacist, which does show that she has no care for her race and the societal view of it, only her possible gain that she may receive from the marriage. Irene is a more different character from Clare, she worked for the improvement of blacks within society, or as Gauche calls her, a race woman. Irene does manage to pass so she can live a life much like the whites do with the best stores and the better restaurants, but she never forgets where she came from which is something to be commended. The reason that Urines life is so much greater then Clarets is the fact that she never sold her race out she never forgot where she came from her roots. It is only the jealousy that brings her back to Harlem, her roots. After all the years spent away from her culture, through Irene, she finally realizes she will never be truly happy unless she accepts where she came from and keeps the bonds with the ones that she once held close to her heart. Clare shows us a very thought provoking theme and that Is that materialism can only bring someone a temporary happiness; where as where she came from her heritage and culture are what could fill the voids that that materialistic life never could. Everyday use has quite a few symbols and themes that can be viewed through the family of women, Dee more then the rest. David Coward from Newbury College describes Deeds lack of cultural stability as An American who attempts to become an African succeeds only In becoming a phony Wanders proclaims a deplorable degree of alienation from her rural origins and Farrell'(Coward 2). In an effort to be more connected with her ancestors, Dee actually distances herself from what her culture was really auto. Deeds personal creams Ana aspirations to elude oppression lea near further and further from what she needed the most and that was family. An example of her hate towards her roots and how she was brought up is the rejoicing that takes place within Deeds core from the burning down of their house at the beginning of the story. She sought out to escape all the things that represented a poor life and wrought her eyes she had seen that she had finally succeeded in doing this. Maggie and Dee are complete opposites when it comes to breaking down there character in the story. Maggie and her mother display a very true and engaging love for one another. They embrace what they have come from although they are still on the bad side of the tracks per say, but they live very gratifying lives ones to be proud of. Dee misunderstands what her black culture is all about, which explains why she is so blind to the pathetic life she is living. Everyday Use and Passing have many similarities within their characters that purport the concept of a loss of culture. Both stories have a focus upon the character that tries to elude their heritage and there roots in search of the idealistic life. Clare and Dee are similar in they strive to get out of there lifestyles that they leave there families behind as if there trying to forget where they came from, there childhood. The truth here is both characters are trying to become something they never really can be, living in the world of arrogance and conceit. Coward elaborates on the females situations when he says, the dilemma of African Americans, who, in driving to escape prejudice and poverty, risk a terrible deterioration, a sundering from all that has sustained and defined them (Coward 1). Deeds conversions to Islam and Clarets assimilation into white society are very much alike. They make significant changes within their lives to fit in with a careless crowd but lose themselves in the mix. There is a sense of shame that shrouds the stories because the women feel disgraceful for their acts against their race. Some examples would be that when the mother gives Maggie the quilt that she has made and when Irene meets Clarets husband. At this point in the stories, it is obvious that Clare and Dee have begun to regret the decisions they have made to leave behind their cultures. Metaphorically speaking, Dee is Just as dead as Clare (after the fall off the balcony) because she had given up all that she truly was and now was living a fake life. Although Clare and Dee are very similar, Irene and her family are very different from that of Maggie and her mother. Maggie and her mother have an unbreakable bond a relationship that has the highest most profound unconditional love. Their culture and lifestyle are the simple lives, while every little detail everything about hem shows characteristics of where they came from and what they put there time into. Irene is not as comfortable with her own self as Maggie and her mother are. She passes quite frequently so she can take advantage of the fact that she has lighter skin then most, but who can blame her for wanting the idealistic life when everyone wants it. At first, Irene and her husband seem caring and loving towards one another that embrace the black heritage. But as Clare comes around them, there Oh so perfect relationship seems to be lacking a foundation and both of their flaws and weaknesses begin to show through. They fight and bicker more then the usual married couple, which is very contradictory of Maggie and her mother. While Irene even admits to not completely loving her husband with all of her heart. Her husband wants to leave eve retying In tenet elves Deanna even tenure enervate, Harlem. Just to move to Brazil with hope that they can escape the prejudice. During that time of discrimination it was easier to Just move to another country in order to live an ideal life. Ultimately, Brian himself would be fitting in with Dee and Clare in the fact that he would be evading his heritage. In time its assumable that he would find that it as not worth it that it was less of a trouble then he thinks. Maggie and her mother are the perfect examples onto the characters in Passing for how to live your life, one of humility. In a symbolic way, Brian Redefined from Passing and the quilts in Everyday Use serve as the same story builders for each story. Brian and the quilts are the trophy possessions for the women within the stories. In Everyday Use, Dee wants the quilts because they would be a reminder of her heritage and where she came from since she has forgotten. After all, her grandmother that she was named after at birth dad them. Maggie is far more deserving of the quilts because she is more like her grandmother then Dee ever would be. Maggie would have actually appreciated the quilts and used them for what they should be used for. Also, Clare and Irene both long for Briars heart. He represents a successful African American man, who has climbed to the top and can offer the lifestyle both want. Briars dark skin makes it so they women dont feel so guilty for leaving there heritage behind its almost as if he is a symbol of heritage for them. In the end, Brian chooses the right woman and goes tit Irene and not Clare who is self-absorbed, Just like the mother made the best decision by choosing the good and faithful child, Maggie. Authors Nell Larsen and Alice Walker lived in the times of racial discrimination and color bias that is why when on the topic of race they are compelling writers. They lived similar lives as the characters within their stories. For example, Larsen establishes the sad part of her life with in the characters Clare and Irene. Larsen grew up in a white household where she went under appreciated much like the character Clare who was abused by her aunts. Also, Larsen was light-skinned and re early marriage fell apart because of a poor decision made by her husband, which equalizes with Urines situation where she has potentially married an unfaithful man. Additionally, Walker grew up very secluded after her eye accident where she was shot with a B gun (Kane 1). This moment in her life is very much comparable to Maggie in the fact that she received burns from the house fire and became secluded. They both became afraid of going out and living life. Walkers style is a definition of the African American heritage because of her simple clothing, hospitable personality, and her long- dreaded hair. Larsen and Walker are the reason for why Passing and Everyday Use are genuine stories about race. Their lives were full of culture and discrimination and translated into excellent stories that describe the mood of an African Americans life in the twentieth century, although fiction. The theme of losing your culture in Passing and Everyday Use is very effective in proving that culture and heritage are essential in living a full profound life one that you can be proud of. Each one of the two stories shows that when a character leaves behind what made them who they are they become something shallow in accordance o lifestyle. For example, Clare leaves her culture behind and turns practically into a full white woman, and becomes frustrated with her isolated life. She cannot do all of things seen was once addle to ay seen cant present nearest as seen once 010 or even TA with the same people that she once did. The fact is that people believe in escaping what they came from as the ultimate means of happiness, but our heritage no matter how far we run from it is not very far behind. It is a genuine society and a moral code that bring people true contentment. Think about Maggie and her mother who re very poor and live the simple life, but love the lives they live.

Packaging Assignment Example | Topics and Well Written Essays - 250 words

Packaging - Assignment Example For instance, take the caress soap box. The caress soap box comes in a variety of colors depending on the ingredients sought. The box itself can be yellow, pink or brown. The yellow represents the original version while pink offers more moisture. The latest edition, which is the brown box, offers the deep penetrating moisture that is in high demand. The caress box has become typical for the soap sector. The vast majority of soap companies now offer variety in selection and uses packaging to differentiate one box from another. Different icons, such as pictures of moisture yielding fruit like coconuts, or pictures of aloe are finding itself on the cover of many soap boxes from different manufacturers. These packages are thorough and offer good explanations as to their functions just from the color of the box. One way to enhance the packaging is to show samples of before and after photos. Demonstrating pictures of dry, scaly skin turning moisturized could improve the packaging. Or, the packages could be improved by changing the shape of the box to represent the function of the soap. For example, soap created to induce moisture may come in an oval

The Growth of Google Research Paper Example | Topics and Well Written Essays - 3000 words

The Growth of Google - Research Paper Example Google’s mission is to shape the global information and make it comprehensively available and relevant. According to Google’s strategy and objectives, it believes that the most operational and profitable means to achieve its mission is to prioritize the interests of its customers. The company according to a well-undertaken research, have made conclusions that offering reasonably high-quality services results in enhanced traffic and stable promotion through word of mouth amongst the consumers. With regards to products and service delivery, Google seeks to work tirelessly in order to produce the most relevant, as well as valuable search results possible. On the other hand, Google aims to try its best to deliver the most relevant and useful marketing. If under any circumstances whereby an element on an outcome page attracts payment, the company will declare it to its users. Under their publication plan, advertisements should not interrupt at all. Google, like any other cor porate body or a private entity, envies a bright future; therefore, one of its principles is to work relentlessly in order to improve the user experience.In 1999, an announcement was made by Brin and Page to establish Google, from a couple of exclusive venture principal companies: Sequoia and Kleiner Perkins. By 2000, Google’s directory of more than one billion websites exceeded those of its competitors, therefore replacing Inktomi as Yahoo!’s search instrument. During this time, Google’s focus was primarily on algorithmic search.

Personal Finance Plan Worksheet Essay Example for Free

Personal Finance Plan Worksheet Essay The process of creating a detailed plan to meet your financial needs and prepare for the future is called b. personal financial planning. 2. Which of the following is not one of the five major steps of the financial planning process? c. collect and organize your financial information 3. Which phase in life is commonly associated with focus on marriage, family, purchasing a home, and career development? c. ate 20’s through your 40’s 4. Which of the following is a benefit of having a college degree that can affect your financial planning? d. all the above 5. Which of the following elements of a comprehensive financial plan involves analyzing future needs, such as saving for retirement or college funding for dependents? d. protecting wealth and dependents Directions Respond to the following short-answer questions in 50-to 100-words: 6. People have different styles when it comes to handling their money. List the two things that affect your personal beliefs and opinions about financial planning. How well do you feel you manage your money? Can you spot areas for improvement in your money management style, and if so, where/how? a. Two things that affect my personal beliefs about financial planning are: my family composition and values. I want my family to be comfortable and I also save but not as much and often as I should. Making sure I save for hard time and my family stability is a must. Setting up a budget is a main topic in my household. b. I can do better and stop tapping into my savings. I do have a savings account that is linked to my account. Everytime I spend something a dollar is sent to my savings, so that also help me balance my account as well. I also need to focus on our needs and not what we want. c. Yes I could stop spending more money and save more which is hard because we just moved and we are buying the house we are renting. Im putting money into the house but bills still have to be paid. We are starting to do a budget to eliminate the how, who, when, and where. 7. Which element of the comprehensive financial plan focuses on your housing needs, setting aside money for emergencies, and establishing a career path? Consider your own finances. Do currectly own a vehicle and/or home? If yes, how well do you manage monthly home and auto expenses? How well do you save for unforeseen expenses? a. Securing basic needs b. I own two vehicles and purchasing a home. We pay our mortgage at the beginning of the month in which we split, we pay the bills as soon as we get the bills and we split those as well, then the car notes are split up, and at the end of the month our car insurance is due. c. We have a savings account that pulls money from our checking whenever we spend money nd then we literally have what I call a piggy bank and we save change as well. There is nothing wrong about saving change because it does add up. 8. The economy is unpredictable and can affect your personal financial planning. List one factor in economic conditions that may affect your financial future. How could you reduce the impact of that factor on your finances? a. Inflation b. To reduce the affect of inflation is to save and go on a budget. You can also shop smarter by shopping cheaper, like generic brands. Also using coupons and your rewards card to reduce the cost of groceries and gas. You can shop around for the cheapest prices and most of the time if you buy in bulk its cheaper. 9. Which step in the five-step financial planning process requires you to organize your financial information, create personal financial statements, and evaluate your current financial position? Have you ever completed this step? If so, is it still applicable to your current financial situation? If not, do you plan to do this soon? Why or why not? a. Step1: Analyze your current financial position. b. Yes I have done it before, but now we just moved and we are now creating a new budget. Since the bills have changed we have to do a new budget and gather our bank statements, bills, and calculater our income to be more financially stable and save more money. We are currently going over a new budget as we speak. 10. Step Five in the five-step financial planning process discusses the importance of regularly reevaluating and revising your plan because personal circumstances often change. List two life changes that may require you to update your financial plan. Have you recently experienced a change that requires you to reevaluate your financial plan? If so, what was it and how have you accommodated it? (Please share only what you are comfortable sharing) a. Marriage and children b. I just recently got married and we’re just purchasing a home. My husband just received social security and 100% in military disability and I work. This make it a little easier for us to make it. I do have children and one is disabled so its tough but we make it. We split everything down the middle so no one person would be overwhelmed with paying all the bills on their own. We try to do a budget and stick to it. We do bargin shop and try to limit where we go due to high gas prices. We also put money to the side for different things we want to do whether its go out to eat, go to the movies, or date night. We also put money back for food and gas. We include everything we do and everything that can happen in our budget and daily life.

Reasons Teen Disrespect Is On The Rise Essay -- essays research papers

Though cultures have many differences there have been a few traits that have united them across the spans of time and geographical area. Many of these traits have even been included in religious doctrine or social and moral laws. In western philosophy and religions the concept of respect has help a high place, allowing a clear distinction between those who have experience and answers to those who are young and naà ¯ve. Religions such as Christianity and Mormonism stress greatly that the young should respect the elderly, while the Judaic religion provides a strict consequence, should this command be broken. By Old Testament law, the disrespectful child was to be taken to the town council, and then promptly stoned to avoid the spread of the sin and to keep ?God?s Chosen? pure. In recent times the respect that teenagers have shown for the elderly has decreased significantly, this trend has become extremely apparent in the 1980?s and 90?s. Though modern social guidelines do not dictate the killing of a disrespectful youth, it is still considered something that must be stopped. High school students have always been notorious for their lack of respect for authority. Many have wondered how these changes occur, most children are respectful at a young age but seem to ?change over night? into a youthful teenager who is often disrespectful to those around them. Studies done in recent years have shown that society, media, and the physical changes that a teenager undergoes may all be res...

High School Failure Outline Essay

I. Introduction: My high school experience was a failure not a success. A. Every person goes through high school with different influences, creating personal perspectives and experiences. I’ve learned many different things through my high school journey, some positive but more so negative. High school was entirely a negative experience for me, creating a poor view on the rest of the world. B. The main things that hindered my high school experience were my friends, my extracurricular activities, and my laziness. These caused negative influences on my grades, and created a barrier between me and my education. II. Bad choice of friends A. Friends had no drive for school either-I wasn’t able to focus on what really needed to be done. B. Peer Pressure- The pressure of having to impress all my friends was something that affected me negatively. Their wants and desires of me kept me doing things that I didn’t need to get involved in. C. Lack of educational goals- There was no standard set between my friends, or goals that they had. Because of their lack of desired success I had nothing to set my standards upon, therefore keeping me from long term educational goals. III. Extracurricular activities A. Working too much- During high school I put too much time into working playing sports, and dancing, which took away from my education and study time. B. Sports & Dance IV. Laziness A. My personality- Because of my strong willed, opinionated choleric personality my bad choices were even bigger than realized. B. No support and encouragement from parents- Having no support from my parents also made it hard on me in high school. Seeking encouragement is something that every student desires and needs while going through school. C. No goals- When there are no goals set, there is nothing to strive and hope for in the future, creating no drive and longing for success. V. Conclusion A. Through the things that I experienced in high school ruined my perspective on things. B. College has changed my view on my life, and given me drive to finish and be successful.

Consumer Behavior In Mutual Funds Finance Essay - Free Essay Example

Sample details Pages: 23 Words: 6755 Downloads: 6 Date added: 2017/06/26 Category Finance Essay Type Analytical essay Did you like this example? The objective of the research study is to know the factors of consumer behavior in mutual funds. Mutual is considered as a risky investment by common men in India. With change in time, people are investing in mutual funds. The evaluation of financial planning has been increased through decades, which is best seen in customer rise. Now a days investment of saving has assumed great importance. Don’t waste time! Our writers will create an original "Consumer Behavior In Mutual Funds Finance Essay" essay for you Create order In this project the great emphasis is given to the investors mind in respect to investment in Mutual Fund. This research will reveal different factors affecting the investors behavior in three different stages. The first stage is the pre purchase stage. In this an investors comes to know about a mutual fund plan. He takes many references before choosing a fund to invest. The second stage is the decision making. A customer several options to choose from. He evaluates the options keeping in mind different factors. The third stage is the after investment behavior. Mutual funds are directly link to the economy. When there are some fluctuations in economy how an investor reacts to it. In this project an in-depth study will be carried out to reveal various factors in all above mention stages. Scope of the Research: The research titled Consumer Behavior in mutual Funds covers investors in mutual funds in North Goa. The research covers the three types of mutual funds by investment objective that are Equity, Debt and Balance Funds. The findings will represent the mutual fund investors in North Goa. Limitation of the study: The research was conducted in a limited duration of four weeks. The survey is limited only to the Mutual funds and cannot be applied to other instruments of investment. Methodology: Research Design The objective of the project study is accomplished by conducting a systematic research. Exploration: Quantitative design: The raw data is acquired from the Jennifer Mendis Investment consultancy. Subsequently converted into questionnaire and then circulated to investors. After that the data was converted into graphical with findings. Pilot test: The qualitative research test was done with small sample of employees. The questions were then revised. Research Plan: Once the problem was identified, the next step I did was to prepare a plan for getting the information needed for the research. The present study was to adopt exploratory approach wherein there is need to gather data perform an analysis before making a conclusion. Collection and Sources of data: Primary data Questionnaire Personal interaction (informal/formal) with investors. Observation. Secondary data Internet Sample plan: Random Sampling Population: Mutual fund Investors Sample size: 100 employees INDEX Sr.no contents Page no. 1 Introduction to Mutual funds 10 2 Need for the study 17 3 Data Analysis 18 4 Fndings 50 5 Conclusion and learning 51 6 Annexures 52 MUTUAL FUND INTRODUCTION A Mutual Fund is a trust that pools the savings of a number of investors who share a common financial goal. The money thus collected is invested by the fund manager in different types of securities depending upon the objective of the scheme. These could range from shares to debentures to money market instruments. The income earned through these investments and the capital appreciations realized by the scheme are shared by its unit holders in proportion to the number of units owned by them (pro rata). Thus a Mutual Fund is the most suitable investment for the common man as it offers an opportunity to invest in a diversified, professionally managed portfolio at a relatively low cost. Anybody with an inventible surplus of as little as a few thousand rupees can invest in Mutual Funds. Each Mutual Fund scheme has a defined investment objective and strategy A Mutual fund is the ideal investment vehicle for todays complex and modern financial scenario. Markets for equity shares, bonds and other fixed income instruments, real estate, derivatives and other assets have become mature and information driven. Price changes in these assets are driven by global events occurring in faraway places. A typical individual is unlikely to have the knowledge, skills, inclination and time to keep track of events, understand their implications and act speedily. An individual also finds it difficult to keep track of ownership of his assets, investments, brokerage dues and bank transactions etc. A draft offer document is to be prepared at the time of launching the fund. Typically, it pre specifies the investment objectives of the fund, the risk associated, the costs involved in the process and the broad rules for entry into and exit from the fund and other areas of operation. In India, as in most countries, these sponsors need approval from a regulator, SEBI (Securities exchange Board of India) in our case. SEBI looks at track records of the sponsor and its financial strength in granting approval to the fund for commencing operations. A sponsor then hires an asset management company to invest the funds according to the investment objective. It also hires another entity to be the custodian of the assets of the fund and perhaps a third one to handle registry work for the unit holders (subscribers) of the fund. In the Indian context, the sponsors promote the Asset Management Company also, in which it holds a majority stake. In many cases a sponsor can hold a 100% stake in the Asset Management Company (AMC). E.g. Birla Global Finance is the sponsor of the Birla Sun Life Asset Management Company Ltd., which has floated different mutual funds schemes and also acts as an asset manager for the funds collected under the schemes. Characteristics: A mutual fund actually belongs to the investors who have pooled their funds. A mutual fund is managed by investment professionals and other service providers, who earn a fee for their services, from the fund. The pool of funds is invested in a portfolio of marketable investments. The value of the portfolio is updated every day. The investors share in the fund is denominated by units. The value of the units changes with change in the portfolios value, every day. The value of one unit of investment is called the Net Asset Value or NAV. MUTUAL FUND STRUCTURE The Structure Consists: The structure of mutual funds in India is governed by the SEBI Regulations, 1996. These regulations make it mandatory for mutual funds to have a 3-tier structure of Sponsors-Trustee-AMC (Asset Management Company). The Sponsor is the promoter of mutual fund, and appoints the Trustee. The Trustees are responsible to the investors in the mutual funds, and appoint the AMC for managing the investment portfolio. The AMC is the business face of the mutual funds, as it manages all the affairs of mutual funds. The mutual funds and AMC have to be registered by the SEBI. Sponsor Sponsor is the person who acting alone or in combination with another body corporate establishes a mutual fund. Sponsor must contribute at least 40% of the net worth of the Investment Managed and meet the eligibility criteria prescribed under the Securities and Exchange Board of India (Mutual Funds) Regulations, 1996.The Sponsor is not responsible or liable for any loss or shortfall resulting from the operation of the Schemes beyond the initial contribution made by it towards setting up of the Mutual Fund. Trust The Mutual Fund is constituted as a trust in accordance with the provisions of the Indian Trusts Act, 1882 by the Sponsor. The trust deed is registered under the Indian Registration Act, 1908. Trustee Trustee is usually a company (corporate body) or a Board of Trustees (body of individuals). The main responsibility of the Trustee is to safeguard the interest of the unit holders and inter-alia ensure that the AMC functions in the interest of investors and in accordance with the Securities and Exchange Board of India (Mutual Funds) Regulations, 1996, the provisions of the Trust Deed and the Offer Documents of the respective Schemes. At least 2/3rd directors of the Trustee are independent directors who are not associated with the Sponsor in any manner. Asset Management Company (AMC) The AMC is appointed by the Trustee as the Investment Manager of the Mutual Fund. The AMC is required to be approved by the Securities and Exchange Board of India (SEBI) to act as an asset management company of the Mutual Fund. At least 50% of the directors of the AMC are independent directors who are not associated with the Sponsor in any manner. The AMC must have a net worth of at least 10 crores at all times. Registrar and Transfer Agent The AMC if so authorized by the Trust Deed appoints the Registrar and Transfer Agent to the Mutual Fund. The Registrar processes the application form, redemption requests and dispatches account statements to the unit holders. Custodian A custodian handles the investment back office of a mutual fund. Its responsibilities include receipt and delivery of securities, collection of income, distribution of dividends, and segregation of assets between schemes. The sponsor of a mutual fund cannot act as a custodian to the fund. For example, Deutsche Bank is a custodian, but it cannot service Deutsche Mutual Fund, its mutual fund arm. Depository Indian capital markets are moving away from having physical certificates for securities, to ownership of these securities in dematerialized form with a Depository. MUTUAL FUND OPERATION (Mutual Fund Operation Flow Chart) TYPES OF MUTUAL FUND A Mutual Fund may float several schemes, which may be classified on the basis of its structure, its investment objectives and other objectives. Open Ended Schemes As the name implies the size of the scheme (fund) is open i.e. not specified or pre-determined. Entry to the fund is always open, the investor who can subscribe at anytime. Such fund stands ready to buy or sell its securities at anytime. The key feature of Open-ended schemes is Liquidity. It implies that the capitalization of the fund is constantly changing as investors sell or buy their shares. Further, the shares or units are normally not traded on the stock exchange but are repurchased by the funds at announced rates. Open-ended schemes have comparatively better liquidity despite the fact that these are not listed. The reason is that investors can any time approach mutual fund for sale of such units. No intermediaries are required. Moreover, the realizable amount is certain since repurchase is at a price based on declared net asset value (NAV). The portfolio mix of such schemes has to be investments, which are actively traded in the market. Otherwise it will not be possible to ca lculate NAV. This is the reason that generally open-ended schemes are equity based. In Open-ended schemes, the option of dividend reinvestment is available. Close-Ended Schemes A Close ended schemes have a definite period after which their shares/units are redeemed. The scheme is open for subscription only during a specified period at the time of launch of a scheme. Investors can invest in the scheme at the time of the initial public issue and thereafter they can buy or sell the units of the scheme on the stock exchanges where the units are listed. In order to provide an exit route to the investors, some close-ended funds give an option of selling back the units to the mutual fund through periodic repurchase at NAV related prices. In these types of schemes, the size of the fund kept to be constant. SEBI regulations stipulate that at least one of the two exit routes is provided to the investor i.e. either repurchase facility or through listing on stock exchanges. These mutual funds schemes disclose NAV generally on weekly basis. Interval schemes Interval Schemes combine the features of both open-ended and close-ended schemes. They are open for sale or redemption during pre-determined intervals at NAV based prices. Mutual Fund schemes by Investment Objectives: EQUITY FUNDS These funds invest a major part of their corpus in equities. The composition of the fund may vary from scheme to scheme and the fund managers outlook on various scrips. The Equity Funds are sub-classified depending upon their investment objective, as follows: 1.Growth Fund: Aim to provide capital appreciations over the medium to long term. These schemes normally invest a majority of their funds in equities and are willing to bear short term decline in value for possible future appreciation. These schemes are not for investors seeking regular income or needing their money back in the short-term. 2. Diversified Equity Fund: Diversified equity funds are the most popular among investors. They invest in many stocks across many sectors, and because they have the freedom to chop and churn their portfolios as they like, diversified equity funds are a good proxy to the stock market. If a general exposure to equities is what you want, they are a good option. They can invest in all listed stocks, and even in unlisted stocks. They can invest in which ever sector they like, in what ever ratio they like. 1.Equity Linked Savings Schemes (ELSS): Equity linked savings schemes (ELSS) are diversified equity funds that additionally offer income tax benefits to individuals. ELSS is one of the many section 80c instruments, along with the more popular debt options like the PPF, NSC and infrastructure bonds. In this Section 80c grouping. ELSS is unique. Being the only instrument to offer a total equity exposure. 1. 1.Index Fund: An index fund is a diversified equity fund; with a difference- a fund manager has absolutely no say in stock selection. At all times, the portfolio of an index fund mirrors an index, both in its choice of stocks and their percentage holding. So, an index fund that mirrors the Sensex will invest only in the 30 Sensex stocks, which too in the same proportion as their weight age in the index. 2.Sector Fund: Sector funds invest in stocks from only one sector, or a handful of sectors. The objective is to capitalize on the story in the sectors, and offer investors a window to profit from such opportunities. Its a very narrow focus, because of which sector funds are considered the riskiest among all equity funds. 2. Mid Cap Fund: These are diversified funds that target companies on the fast growth trajectory. In the long run, share prices are driven by growth in a companys turnover and profits. Market players refer to them as mid-sized companies and mid-cap stocks with size in this context being benchmarked to a companys market value. So, while a typical large cap stock would have a market capitalization of over Rs 1,000 crores, a mid-cap stock would have a market value of Rs 250-2,000 crores. DEBT FUNDS These Funds invest a major portion of their corpus in debt papers. Government authorities, private companies, banks and financial institutions are some of the major issuers of debt papers. By investing in debt instruments, these funds ensure low risk and provide stable income to the investors. Debt funds are further classified as: 1.Gilt Funds: Invest their corpus in securities issued by Government, popularly known as GOI debt papers. These Funds carry zero Default risk but are associated with Interest Rate risk. These schemes are safer as they invest in papers backed by Government. 2.Income Funds: Income funds aim to maximize debt returns for the medium to longer term. Invest a major portion into various debt instruments such as bonds, corporate debentures and Government securities. 2.MIPs: Invests around 80% of their total corpus in debt instruments while the rest of the portion is invested in equities. It gets benefit of both equity and debt market. These scheme ranks slightly high on the risk-return matrix when compared with other debt schemes. Short Term Plans (STPs): Meant for investors with an investment horizon of 3-6 months. These funds primarily invest in short term papers like Certificate of Deposits (CDs) and Commercial Papers (CPs). Some portion of the corpus is also invested in corporate debentures. Liquid Funds: Also known as Money Market Schemes, These funds are meant to provide easy liquidity and preservation of capital. These schemes invest in short-term instruments like Treasury Bills, inter-bank call money market etc. These funds are meant for short-term cash management of corporate houses and are meant for an investment horizon of 1day to 3 months. These schemes rank low on risk-return matrix and are considered to be the safest amongst all categories of mutual funds. Floating Rate Funds: These income funds are more insulated from interest rate than their conventional peers. In other words, interest rate changes, which cause the NAV of a conventional debt fund to go up or down, have little, or no, impact on NAVs of floating rate funds. BALANCED FUNDS These funds, as the name suggests, are a mix of both equity and debt funds. They invest in both equities and fixed income securities, which are in line with pre-defined investment objective of the scheme. These schemes aim to provide investors with the best of both the worlds. Equity part provides growth and the debt part provides stability in returns. Each category of fund is backed by an investment philosophy, which is predefined in the in the objective of the fund. The investor can align his own investment need with the fund objectives and invest accordingly. HYBRID FUNDS:- Growth and Income Fund: Strike a balance capital appreciation and income for the investors. In these funds portfolio is a mix between companies with good dividend paying record and those with potential capital appreciation. These funds are less risky than growth funds bit more than income funds. Asset Allocation Fund: These funds follow variable asset allocation policy. These move in an out of an asset class (equity, debt, money market or even non-financial assets). Asset allocation funds are those, which follow more stable allocation policies like balanced funds. Those, which flexible allocation policies, are like aggressive speculative funds. ADVANTAGES OF MUTUAL FUND Mutual Funds offer several benefits to an investor that are unmatched by the other investment options. Last six years have been the most turbulent as well as exiting ones for the industry. New players have come in, while others have decided to close shop by either selling off or merging with others. Product innovation is now pass with the game shifting to performance delivery in fund management as well as service. Those directly associated with the fund management industry like distributors, registrars and transfer agents, and even the regulators have become more mature and responsible. Affordability : Small investors with low investment fund are unable to invest in high-grade or blue chip stocks. An investor through Mutual Funds can be benefited from a portfolio including of high priced stock. Diversification : Investors investment is spread across different securities (stocks, bonds, money market, real estate, fixed deposits etc.) and different sectors (auto, textile, IT etc.). This kind of a diversification add to the stability of returns, reduces the risk for example during one period of time equities might under perform but bonds and money market instruments might do well do well and may protect principal investment as well as help to meet return objectives. Variety : Mutual funds offer a tremendous variety of schemes. This variety is beneficial in two ways: first, it offers different types of schemes to investors Professional Management: Mutual Funds employ the services of experienced and skilled professionals and dedicated investment research team. The whole team analyses the performance and balance sheet of companies and selects them to achieve the objectives of the scheme. Tax Benefits: Depending on the scheme of mutual funds, tax shelter is also available. As per the Union Budget-99, income earned through dividends from mutual funds is 100% tax free. Under ELSS of open-ended equity-oriented funds an exemption is provided up to Rs. 100,000/- under section 80C. Regulation: All Mutual Funds are registered with SEBI and they function within the provisions of strict regulations designed to protect the interests of investors. The operations of Mutual Funds are regularly monitored by SEBI. DISADVANTAGES OF MUTUAL FUND: The following are the disadvantages of investing through mutual fund: No control over cost: Since investors do not directly monitor the funds operations, they cannot control the costs effectively. Regulators therefore usually limit the expenses of mutual funds. No tailor-made portfolio: Mutual fund portfolios are created and marketed by AMCs, into which investors invest. They cannot made tailor made portfolio. Managing a portfolio of funds: As the number of funds increase, in order to tailor a portfolio for himself, an investor may be holding portfolio funds, with the costs of monitoring them and using hem, being incurred by him. Delay in Redemption: The redemption of the funds though has liquidity in 24-hours to 3 days takes formal application as well as needs time for redemption. This becomes cumbersome for the investors. Non-availability of loans: Mutual funds are not accepted as security against loan. The investor cannot deposit the mutual funds against taking any kind of bank loans though they may be his assets. RISK INVOLVED IN MUTUAL FUND: THE RISK-RETURN TRADE-OFF The most important relationship to understand is the risk-return trade-off. Higher the risk greater the returns/loss and lower the risk lesser the returns/loss. Hence it is up to you, the investor to decide how much risk you are willing to take. In order to do this you must first be aware of the different types of risks involved with your investment decision. MARKET RISK: Sometimes prices and yields of all securities rise and fall. Broad outside influences affecting the market in general lead to this. This is true, may it be big corporations or smaller mid-sized companies. This is known as Market Risk. A Systematic Investment Plan (SIP) that works on the concept of Rupee Cost Averaging (RCA) might help mitigate this risk. CREDIT RISK: The debt servicing ability (may it be interest payments or repayment of principal) of a company through its cash flows determines the Credit Risk faced by you. This credit risk is measured by independent rating agencies like CRISIL who rate companies and their paper. An AAA rating is considered the safest whereas a D rating is considered poor credit quality. A well-diversified portfolio might help mitigate this risk. INFLATION RISK: Things you hear people talk about: Rs. 100 today is worth more than Rs. 100 tomorrow. Remember the time when a bus ride cost 50 paisa? Mehangai Ka Jamana Hai. The root cause, Inflation. Inflation is the loss of purchasing power over time. A lot of times people make conservative investment decisions to protect their capital but end up with a sum of money that can buy less than what the principal could at the time of the investment. This happens when inflation grows faster than the return on your investment. A well-diversified portfolio with some investment in equities might help mitigate this risk. INTEREST RATE RISK: In a free market economy interest rates are difficult if not impossible to predict. Changes in interest rates affect the prices of bonds as well as equities. If interest rates raise the prices of bonds fall and vice versa. Equity might be negatively affected as well in a rising interest rate environment. A well-diversified portfolio might help mitigate this risk. POLITICAL/GOVERNMENT POLICY RISK: Changes in government policy and political decision can change the investment environment. They can create a favorable environment for investment or vice versa. LIQUIDITY RISK: Liquidity risk arises when it becomes difficult to sell the securities that one has purchased. Liquidity Risk can be partly mitigated by diversification, staggering of maturities as well as internal risk controls that lean towards purchase of liquid securities. NET ASSET VALUE Net Asset Value (NAV) The net asset value of the fund is the cumulative market value of the assets fund net of its liabilities. In other words, if the fund is dissolved or liquidated, by selling off all the assets in the fund, this is the amount that the shareholders would collectively own. This gives rise to the concept of net asset value per unit, which is the value, represented by the ownership of one unit in the fund. It is calculated simply by dividing the net asset value of the fund by the number of units. However, most people refer loosely to the NAV per unit as NAV, ignoring the per unit. We also abide by the same convention. Definition of NAV Net Asset Value, or NAV, is the sum total of the market value of all the shares held in the portfolio including cash, less the liabilities, divided by the total number of units outstanding. Thus, NAV of a mutual fund unit is nothing but the book value. BASIC CONCEPTS OF LOADS : Entry Load: The load charged at the time of investment is known as entry load. Its meant to cover the cost that the AMC spends in the process of acquiring subscribers commission payable to brokers, advertisements, register expenses etc. The load is recovered by way of charging a sale price higher than the prevailing NAV. Exist Load: Some AMC do not charge an entry load but they charged an exist load i.e., they deduct a load before paying out the redemption proceeds. Psychologically, investors are much more willing to pay exist loads as compared to entry loads. Unit: Units mean the investment of the unit holders in a scheme. Each unit represents one undivided share in the assets of a scheme. The value of each unit changes, depending on the performance of the fund. Need for the Study Indian Mutual fund market is growing with a good growth rate. This instrument of investment has turned lucrative from the perceived risky image. It was decided to do a research to reveal factors in the mutual funds market Data Analysis 1.Other than mutual funds I have invested in following instruments. This was a multiple choice question. This was asked to know the preferred Investment instruments by the investors. Graph1 Interpretation and analysis This question was asked to know the pattern of investments by investors. As can be seen in above graph 100% investors have their surplus invested their savings account, followed by gold and silver with 91%. This shows that investors prefer to invest in safer instruments. Even though the investment needed for the instruments like the Real estate requires high amount to be invested, people still prefer to invest in them. This can be because they give higher returns compared to the other instruments. This instruments are also most preferred since they are safer. 2.As an investor I want higher returns This question was asked to know the know the expectation from the investors from the mutual funds Graph2 Interpretation and analysis As shown in the above graph 116 investors expect their investment to give higher returns. Further 31 investors agreed to the statement that they want higher returns while the rest three respondents had neutral stand on this point. I can be concluded that from the mutual funds investors want higher returns from the mutual funds. 3.As an investor in mutual funds I am more of a Risk taker conservative This question was asked to know the aggressiveness and risk taking attitude of the investors. Graph3 Interpretation and analysis As can be seen above the majority of the investors that 101 investors are risktakers. wereas the rest 49 respondents said that they invest conservatively. I have invested in mutual funds for This question talks about the Fianacial objective of the investors for which they have planed. This was a multiple option question Graph4 Interpretation and analysis As can be seen above the majority of the investors have invested in the mutual funds for their long term objective that is the retirement. 68 respondents have invested for investing the same in future. 54 respondents have goal of buying a car. 41 have invested for childrens marriage and 24 have invested for childrens education. Rest 13 respondents have a short term goal that is their own marriage. We can conclude that the investors invest in mutual fund for short term as well as long term goals. How did you come to know about Mutual fund investment scheme This question was about the source from were the investors first came to know about the mutual fund plan/scheme. Graph 5 33 respondents said that the came to know about the mutual fund sceme from News paper.30 respondents said they came to know about mutual fund from Magazine. 24 respondents came to know from financial consultant. The agents in the mutual fund had reach over 19 respondents. Only 17 respondents came to know about mutual fund from the Television. The data reveals that the major source of knowledge for investors about mutual fund is the News paper, magazine and the financial consultants. The explanation from Agent/distributor/salesperson was enough to convince me to invest in mutual funds. This question was aimed towards the ability of the sales team to convince the customers. Graph6 Interpretation and analysis 34 respondents strongly agreed to the point that they were convinced with the sales persons explanation. While 45 respondents agreed to this. 14 had neutral stand. 33 respondents disagreed to this point and the rest 24 strongly disagreed with this. I was convinced/attracted with the scheme of mutual fund. This question was asked to know the reaction of the investors when they first came to know about the Mutual fund. Graph 7 Interpretation and analysis Majority of the respondents that is 89 respondents strongly agreed that they were attracted with the mutual fund plan. 50 respondents agreed to this point. 9 respondents had neutral stand on this. Rest two disagreed to the statement that they were attracted with the mutual fund. I was attracted with the proposed earning of the mutual fund. This question was further specific question to the previous question. This question was based on the main attraction of a mutual fund that is the earning on the fund. Graph 8 Interpretation and analysis 94 respondents strongly agreed that they were attracted with proposed earnings. Further 49 respondents agreed to this point. 7 respondents had neutral stand on this point. We can say that the main component of attraction of the mutual fund is the proposed earning. 9.1) Importance of Financial Advisors reference This question was cross tabulated with response from the 10th question which was about the type of mutual fund in which they have currently invested. Graph9 Interpretation and analysis When asked about the referring to a financial Advisor before investing in mutual fund 71 respondents from Equity fund, 5 from debt and 7 from balanced mutual fund responded that its extremely important. Whereas most of the rest responded that the reference is very important. From the above data its clear that while investing in Equity mutual fund and Balanced mutual fund its important to refer to a financial advisor. In the Dept fund the response was some what neutral. 9.2 Importance of Brokers reference This question was asked to find importance of reference before investing Graph10 Interpretation and analysis As in the above graph investors in the equity and balanced responded either its extremely important or very important to refer a broker before investing in them. Whereas the investors in the dept funds responded as its some what less important to refer to a broker. 9.3Importance of Relatives Friends reference Graph 11 Interpretation and analysis As in the above diagram majority of respondents from all types of schemes responded that it is extremely important or very important to refer a friend before investing. In case of the balanced fund some respondent even responded that it is unimportant to refer a friend. 9.4 importances of Newspapers Magazines Many news papers and magazines have reviews on the mutual fund. This question was asked to know how important it is to refer while investing. Graph12 Interpretation and analysis As can be seen in above 76 investors in equity funds feel that it is extremely or very important to refer a news paper or a magazine. Whereas 30 respondents feel that it is unimportant or not important to refer to a news paper. In the debt funds 11 respondents have an opinion that it is extremely important or very important to refer a news paper. Whereas 7 respondents had negative opinion towards the statement. 14 respondents have positive opinion towards taking reference of news paper. Whereas 8 respondents had a negative stand on the statement. 9.5 IMPORTANCE OF COMPANYS WEBSITE Graph13 Interpretation and analysis As can be seen in above graph majority of the investors in the equity segment responded that it is unimportant to refer to companies website. Also in the debt funds majority of the respondents feel that it is unimportant to refer companys website. In the balance funds majority felt that it is important to refer the companys website. 9.6 importance of AMFI Website Graph 15 Interpretation and analysis As seen in the above diagram majority of the investors in the equity fund feel that it is unimportant to refer AMFIs website. In the bebt funds majority feels that it is important to refer AMFIs website. Whereas in the balanced funs majority said that it is unimportant to refer to AMFIs site. 10 Currently invested in types of funds Graph 16 Interpretation and analysis 101 respondents have invested in Equity funds. 19 respondents have invested in dept fund, and the rest 23 respondents have invested in balanced funds. 11 Importance of the qualities of the mutual fund Factors in these questions were the main factors which are considered while making a decision to invest. A. Funds reputation or brand Graph 17 Interpretation and analysis As in the above graph majority of the risk takers feel that reputation of fund is unimportant quality which should be considered while making investing decision. While majority of the conservative investors feel that the funds reputation is important. B Fund performance record This question was asked to reveal the importance of funds performance in the making investment decision. Graph 18 As can be seen in the above graph both risktaker as well as conservatives feels that it is important to consider the funds reputation while investing in it. C Importance of Brokers advice Graph 19 Interpretation and analysis as can be seen above both risk takers and conservatives feel that brokers advice is important while making decision of investment. While there are few respondents who feel that brokers advice is umimportant. D. Importance of Schemes expense ratio This question is to know how important is the expenses in the mutual fund are while making the investment decision. Graph 20 As can be seen in the above graphs both risk takefeels rs as well as the conservatives feels that the expense ratios are unimportant while making investment decision. 11 E Schemes theme of investment Since many mutual funds have different themes of investments, this themes can affect the investment decision. This themes also match the investors financial goals like, children education etc. Graph 21 Interpretation and analysis As can be seen above both risk takers and conservatives feel that the investment theme plays a important role in investing decisions. These can be because theme attracts the investors and help them to meet their financial goals. F Minimum initial investment Sometimes minimum investment acts as a barrier since the minimum amount is high. Graph 22 Interpretation and analysis As said earlier minimum investment plays a very important role in the investment decision. This can be seen in the above statistics. The majority of both risk takers as well as the conservatives feels that the Minimum Initial Investment is a important quality of the mutual fund. G Tax benefits When an investor invests in some mutual funds he gets some income tax benefit as per the income tax ACT Graph 23 Interpretation and analysis As per the graph, Risk takers as well conservatives feel that the tax benefit is important. Majority of the respondents from both type of the respondents feel that tax benefit is important. H Portfolio of the Fund Portfolio means the allocation of the resources across sectors or the shares of the companies. Graph 24 Interpretation and analysis As seen in the above graph majority of both that is risktakers and conservative investors deel that the allocation of the fund is important. I Visibility of the Fund Graph 25 Interpretation and analysis Majority of the respondents from both risk takers and the conservatives feel that the Visibility of the fund is important while taking a decision to invest. 11J Credit Rating by Agencies Credit rating agencies rate a mutual fund depending upon the interest paying ability of the Fund house. Graph 26 Interpretation and analysis As can be seen in above graph majority of the respondents from both feel that credit rating by agencies is an important quality in selecting a mutual fund. K Lock in period Graph 27 Interpretation and analysis Lock in period is the time for which your money remains locked. Towards this factor both type of investors feel that lock in period is important in choosing a fund. Wereas some respondents feel that it is unimportant. L Prompt Redemptions Redemption is when the investor wants his money back and he withdraws from the fund. Graph 28 Interpretation and analysis Since customer gets his money whenever he wants he will go for it. The majority of the respondents responded that the prompt redemption is a important factor while choosing a mutual fund. M After Sales Support Graph 29 Interpretation and analysis As can be seen above majority of both types of investors feel that the after sales service is important while choosing the mutual fund. I monitor performance of the mutual fund. This question was asked to bring out how often a investors keep a watch on the investment Interpretation and analysis 66 respondents check the growth weekly, 81 respondents monitor the growth monthly. This shows that the investors are interested in monitoring the performance. 13. Performance of the mutual fund is as promised by fund house. This question was asked to reveal the performance to the promised performance. I am satisfied with the performance of the mutual fund My queries were attended timely. How you react to the fall in share market. Finding Most of the people invest on advice of the financial adviser. Financial adviser monitors the performance of mutual fund for their clients. Only few investors decide to invest on their own. Conclusion and learnings The investors investing in the mutual funds are attracted more by the earnings. The young investors who are educated tend to analyze the performance and monitor the performance of the mutual fund. Annexure QUESTIONNAIRE Other than mutual funds I have invested in following instruments. Saving account e) Shares Debentures i) PF Real Estate f) Fixed Deposits PPF g) Gold/Silver Post Office NSC etc h) Other_________ As an investor I want higher returns Strongly agree Agree Neutral disagree Strongly disagree As an investor in mutual funds I am more of a ________ Risk taker Conservative I have invested in mutual funds for ________ Marriage d) Buying a car Childrens education e) Further investment Childrens marriage f) Retirement corpus How did you come to know about Mutual fund investment scheme? 1. Newspapers 2.Magazines 3.Internet 4.Television 5. Agents 6.Friends or relatives 7.Consultant 8. Other___________ The explanation from Agent/distributor/salesperson was enough to convince me to invest in mutual funds. Strongly agree Agree Neutral disagree Strongly disagree I was convinced/attracted with the scheme of mutual fund. Strongly agree Agree Neutral disagree Strongly disagree I was attracted with the proposed earning of the mutual fund. Strongly agree Agree Neutral disagree Strongly disagree State the importance of following reference while investing in mutual fund schemes? Extremely important Very Important Somewhat Important Somewhat Unimportant Not Important At All 1. Financial Advisor 2.Broker 3.RelativesFriends 4.Newspapers Magazines 5.Companys Website 6.AMFI Website In which type of funds you have invested? 1. Equity Funds 2.Debt Funds 3. Balance Funds There are many qualities that could affect your selection of Mutual funds and Specific Schemes. Please indicate importance of the following in your decision. Sr.no. Extremely important Very Important Somewhat Important Somewhat Unimportant Not Important At All A Funds reputation or brand 1 2 3 4 5 B Fund performance record 1 2 3 4 5 C Brokers advice 1 2 3 4 5 D Schemes expense ratio 1 2 3 4 5 E Schemes theme of investment 1 2 3 4 5 F Minimum initial investment 1 2 3 4 5 G Tax benefits 1 2 3 4 5 H Portfolio of the Fund 1 2 3 4 5 I Visibility of the Fund 1 2 3 4 5 J Credit Rating by Agencies 1 2 3 4 5 K Lock in period 1 2 3 4 5 L Prompt Redemptions 1 2 3 4 5 M After Sales Support 1 2 3 4 5 I monitor performance of the mutual fund. Weekly Monthly Quarterly Yearly never Performance of the mutual fund is as promised by fund house. Strongly agree agree Neutral disagree Strongly disagree I am satisfied with the performance of the mutual fund Strongly agree agree Neutral disagree Strongly disagree My queries were attended timely. Strongly agree agree Neutral disagree Strongly disagree How you react to the fall in share market. Sell units held Wait for market to rise Consult financial advisor. City: _________________________ Age: 20-40 years ÃÆ' ¢Ãƒâ€šÃ‚ Ãƒâ€šÃ‚ ¯ 40-60 years ÃÆ' ¢Ãƒâ€šÃ‚ Ãƒâ€šÃ‚ ¯ above 60 years ÃÆ' ¢Ãƒâ€šÃ‚ Ãƒâ€šÃ‚ ¯ Sex: Male ÃÆ' ¢Ãƒâ€šÃ‚ Ãƒâ€šÃ‚ ¯ Female ÃÆ' ¢Ãƒâ€šÃ‚ Ãƒâ€šÃ‚ ¯ Marital Status: Married ÃÆ' ¢Ãƒâ€šÃ‚ Ãƒâ€šÃ‚ ¯ Unmarried ÃÆ' ¢Ãƒâ€šÃ‚ Ãƒâ€šÃ‚ ¯ Academic Qualifications: High School ÃÆ' ¢Ãƒâ€šÃ‚ Ãƒâ€šÃ‚ ¯ Graduate ÃÆ' ¢Ãƒâ€šÃ‚ Ãƒâ€šÃ‚ ¯ Post Graduate ÃÆ' ¢Ãƒâ€šÃ‚ Ãƒâ€šÃ‚ ¯ Professional Degree ÃÆ' ¢Ãƒâ€šÃ‚ Ãƒâ€šÃ‚ ¯ Occupation: Professional ÃÆ' ¢Ãƒâ€šÃ‚ Ãƒâ€šÃ‚ ¯ Business ÃÆ' ¢Ãƒâ€šÃ‚ Ãƒâ€šÃ‚ ¯ Salaried ÃÆ' ¢Ãƒâ€šÃ‚ Ãƒâ€šÃ‚ ¯ Retired ÃÆ' ¢Ãƒâ€šÃ‚ Ãƒâ€šÃ‚ ¯ Others ___________ÃÆ' ¢Ãƒâ€šÃ‚ Ãƒâ€šÃ‚ ¯ h