The White Hip Hop Fan :: Music Racial Race Papers

The White Hip Hop Fan Methodology In case you are not accustomed with the group Public Enemy, the subtitles names is a play of their album "It'll Take a Nation of Millions to Hold Us Back." Being not only a white hip hop fan, but a white kid trying to become a rapper, I have obviously been faced with the problem of society's non-acceptance of my type. I interviewed a friend of mine who I rap with quite often about his feelings on the subject of the white hip hop fan, and have long pondered it on my own. I read books and web sites recommended by friends and continue to search out more information on the subject. In this paper I look at the state of the white hip hop fan and of the white rapper, focusing mainly on the social and cultural impact, the way the white fan feels and is looked at by society. Description ON HIP HOP IN GENERAL: The term hip hop relates to four areas of urban culture: mcing, djing, break dancing, and graffiti art. Hip hop basically started in New York city. Who knows which of the four areas really came first, but the important thing is that they evolved together. Many of the graffiti artists were rappers who would tag their name or crew to get publicity. However, if one had to pick who really came first, I would say it was the DJs. The most important early DJs were Grandmaster Flash and Africa Bambaataa, who were hip hop kings of their respective parts of New York City. MCs began to show up in this context as people began to talk over the DJs scratching and they mostly talked about the DJ's skills and pumped up the crowd. Finally, break dancing was obviously started when people began dancing to the music. All four areas have grown up together and taken their own outside influences as well. Now that hip hop has been around for a few decades (it started back in the early 80s), it has gone thro ugh many phases, and is constantly evolving. Some of the earliest hip hoppers say that hip hop died in the 90s, but there are those purists in every musical genres who dislike its evolution for whatever reason, and they are not the majority. Today, hip hop comes in a wide variety from gangsta rap, to underground rap, to jazzrap fusion, to what I like to call pophop, and much more.

John-O-Lanterns :: essays research papers

â€Å"Witchcraft,† answered the seventeen year old honor student, Sebastian Holmes, at Lincoln Woods High.   Ã‚  Ã‚  Ã‚  Ã‚  Ã¢â‚¬Å"Correct,† replied Lady Talla, the elderly Mythology teacher who also owned the town brothel, â€Å"Drec, wake up and pay attention!†   Ã‚  Ã‚  Ã‚  Ã‚  Ã¢â‚¬Å"How can I pay attention to the same thing every year? You teachers need to teach us new things,† Drec barked.   Ã‚  Ã‚  Ã‚  Ã‚  It was the day before Halloween and since this was the first year that Drec was too old to go Trick-or-Treating, he and Sebastian decided to dress up and petrify the local kids. They climbed into Sebastian’s Bronco and headed for the local costume parlor. Drec bought a very expensive, very gory costume of a man with a nail through his eye. Sebastian bought a costume of a skunk with a bow in its hair. Drec was never one to retain his opinions, so he told Sebastian that his skunk costume was the gayest thing he’d ever seen. Sebastian being the kind hearted person that he was, just ignored the comment and proceeded to the door. If it weren’t for Sebastian, Drec’s mouth would get him into all sorts of trouble.   Ã‚  Ã‚  Ã‚  Ã‚  On the way home Drec saw something that he didn’t see on the way to the costume shop, it was a humongous field full of pumpkins. Sebastian pulled over to check the prices because his family still didn’t have any pumpkins for Halloween. There wasn’t anyone there, so the boys decided to â€Å"borrow† a couple of them. They weren’t going to waste them, they were going to carve them and put them out on Sebastian’s front porch. So they didn’t feel as bad about stealing. They loaded up the Bronco and headed home, hoping nobody saw them take the pumpkins. The first thing that they did when they got home was carve the pumpkins that they came across. It was late, so Drec went home and prepared for the next day of complete excitement. Little did they know, three hundred miles away, two men were planning to â€Å"borrow† a few things of their own. The next morning Sebastian’s parents were missing; there was no note or anything. So he called Drec, Drec has the same problem. Fifteen minutes later, Drec and Sebastian arrived at an empty police station with no clue where anyone is. They have already tried making calls on the radio and over the town broadcast system, but they had no luck.

Annotated Outline and Bibliography Essay

1. Methods of Criminal Profiling Methods of criminal profiling are scientific knowledge used to help build a profile against an offender, a profile of the crime or crime scene, and/or the victim. These are criminal analysis, diagnostic evaluation, geographic profiling, investigative psychology and much more. A. Criminal Investigative Analysis Criminal investigative analysis is a process in which the investigator reviews the crimes of the offender. Through this reviewing the investigator is able to map the offender’s characteristics such as their criminal behaviors. B. Diagnostic Evaluations (DE) This type of evaluation is a result of mental, medical, and clinical experience by professionals in these fields. These are normally done when asked and not done as a routine type of assessment. 2. Usefulness of Profiling in Determining Offender Identity and Behavioral Patterns. Profiling helps to prove an offenders identity as well as their behavioral patterns. To do this it is done through investigating the crime scene characteristics. An investigator will access whether the characteristics are organized or unorganized as well. Those are also found by doing evaluations such as diagnostic evaluations. A. Offender Identity Through certain aspects of criminal profiling an offender’s identity can be found out by what type of evidence was left such as a fingerprint or what  DNA was left behind found in such things as blood or hair. B. Behavioral Patterns Through an offender’s behavioral patterns such as what ligatures were used, weapons used or wound patterns can all show specific behavioral patterns of an offender. 3. Psychopathy’s Role in Criminal Profiling Psychopathy plays a major and drastic role in criminal profiling. Through the behaviors that psychopaths demonstrate profilers can see other specific patterns of offenders. Psychopathy helps profilers in linkage analysis in such ways as offenders behaviors or even the reasoning behind the crime. A. Psychopathy Psychopathy is a personality disorder in which is clarified by meeting certain criteria. 4. Legal and Ethical Issues Within Criminal Profiling Legal and ethical issues have riddled criminal profiling since its existence. There is a committee called the Committee on Ethical Guidelines for Forensic Psychologists. These issues are not just about the offender. These ethical factors affect innocent individuals and hurt the criminal justice field as a whole. There are legal issues such as forensic fraud which is done by giving a sworn under oath statement or testimony which is false or misleading. 5. Evidence-based, Victim-based Evidence, and Offender-based Forensic Evaluations in Relation to Criminal Profiling These three evaluations are bases in the heart of criminal profiling. These three evaluations all have a certain role in which they have that builds a profile towards an offender. These evaluations help profilers and investigators to better understand all realms to every case they are involved in. These evaluations help to give details in cases that otherwise might not have been found otherwise. A. Evidence Based Forensic Evaluations Evidence based forensic evaluations are often ignored due to many scandals. However this evaluation can often show and link evidence to a case and can also help in being able to have the evidence admissible in court. B. Victim Based Evaluation This evaluation helps investigators and profilers to be able to see inside more so the victims life. This also helps the profilers to better map the victims lifestyle and circumstances in which may have led up to the offense that turned them into a victim. C. Offender Based Forensic Evaluation Through offender based forensic evaluations profilers assess the offenders age, sex, intelligence as well as other offense related behaviors. Through this profilers will learn the aspects of the offender such as their knowledge not only of the crime scene or crime itself, yet of the victims as well as their criminal skill. 6. What is Victimology and Its Role in Criminal Profiling Victimology plays a major role in criminal profiling for numerous reasons. One reason being that of the offender. It helps to answer certain characteristic questions regarding the offender. It gives a very specific as well as accurate outline into the victim’s life and their lifestyle. This helps profilers to also better understand the crime in which the victim was made to endure and suffer from. A. What is Victimoogy â€Å"Forensic victimology is the scientific study of violent crime victim’s for the purposes of addressing investigative and forensic questions† (Turvey, 2012, Pg.125). 7. Evaluate Predatory Behaviors Based on Crime Scene Behaviors as Illustrated By Evidence Predatory behaviors based on crime scene behaviors as illustrated by evidence helps to further explain more about the offender. This also shows the profiler the offender’s behaviors as to his choice of victim, point of contact, the offender’s method of approach and more. Predatory behaviors help profiler to understand the offenders MO or theory of a motive. This behavior shows whether it was sadistic, administrative, power reassurance behavior, or rage/anger retaliatory behavior. These behaviors also show just how serious of a predator the offender is and if they will escalate in the seriousness of their crimes or if they are psychopathic or if they have Anti-social Personality disorder. A. Predatory Behaviors Predatory behaviors are such behaviors as stalking the victim, amount of  planning the crime, use of restraints, as well as the offenders Modus Operandi and whether or not it was acted out. References Association, A. P. (2004). Diagnostic and statistical manual of mental disorders: DSM-IV-TR. Washington DC: American Psychiatric Association.  This source discusses psychopathy in depth. Psychopathy has different attributes as per the different levels. The different levels of psychopathy are criminal and non-criminal which are further discussed and explained. This resource will help to better understand psychopathy. Bateman, A. L., & Salfati, G. C. (2005). Serial homicide: an investigation of behavioral consistency. Journal of Investigative Psychology and Offender Profiling, 2, 121-144. doi:10.1002/jip.27 This article on serial homicide discusses in depth the different behaviors displayed by the offender. This will help to further support the aspect of predatory behaviors by an offender. This will help to link predatory behaviors and criminal profiling. Crawford, G., & Walters, G. D. (2014). Major mental illness and violent history as predictors of institutional misconduct and recidivism: Main and Interaction Effects. Law and Human Behavior, 38(3), 238-247. doi:10.1037/Ihb0000058 This study accesses different mental disorders and how they relate to crimes. This source will help to show and support behavioral patterns of the criminal offender. In relaying this information we can further link the usefulness of criminal profiling with criminal behaviors. Fontaine, R. G., Fox, A. R., & Kvaran, T. H. (2013, Winter). Psychopathy and culpability: how responsible is the psychopath for criminal wrongdoing? Journal of the American Bar Association, 38(1), 1-26. Retrieved January 28th, 2015 This study and/or source explain in extreme depth about psychopathy and how it is a personality disorder rather than a mental disorder. It helps to further explain some issues prosecuting an offender with psychopathy. This relates to the essay in addressing psychopathy as well as the role psychopathy plays in criminal profiling and criminal behaviors as well.  Goodey, D. J. (2006). Ethnic profiling, criminal (in) justice and minority populations. Critical Criminology, 207-212. The article written by Goodey further explains different ethical issues within profiling. Such issues discussed are racial profiling, ethnic profiling and police criminal stereotypes. This will help to relate and better understand the legal and ethical issues within the paper and support any findings. Henwood, D., Lamb, R., Lambie, I., & Scott, D. (2006, November). Profiling stranger rapists: Linking offense behaviour to previous criminal histories using a regression model. Journal of Sexual Aggresion, 12(3), 265-275. Retrieved February 2, 2015 This article discusses geographic profiling, evidence and investigative analysis, investigative psychology, and diagnostic evaluations. Offender behaviors and offender criminal patterns are addressed. The article covers as well behavioral characteristics and behavioral patterns as well to also link them to criminal profiling. These are all relevant as to these are core points to be addressed within the paper. Hinch, R., Lubaszka, C. K., & Shon, P. C. (2014). Healthcare serial killers as confident men. Journall of Investigative Psychology and Offender Profiling, 11, 1-28. doi:10.1002/jip.1394 This article covers the realm of investigative psychology. Through the study of healthcare serial killers the investigative psychology is discussed. This article will further discuss certain behaviors of the offenders as well which will further help to link the findings and further support the findings within the paper. Ibe, Ph.D, P., Obiyan, Ph.D., E., & Ochie, Ph.D., C. (2012, November). Racial misuse of â€Å"criminal profiling† by law enforcement: intentions and implications. African Journal of Criminology and Justice Studies, 6(1 & 2), 177-196. Retrieved January 20th, 2015 The article discusses criminal profiling in depth which will help to further explain and define criminal profiling. The article also discusses several ethical issues within profiling. The resources will help to further support the findings and link the sources to the paper. Lynam, D. R. (2012).  Assessment of maladaptive variants of five factor model traits. Journal of personality, 1467-6494. This article discusses psychopathy as a personality disorder and delves deeper into the understanding of the disorder. The article explains how it relates to forensic evaluations. This gives the support needed to show the connection between psychopathy and criminal profiling. Marcus, PhD, D. K., & Norris, MA, A. L. (2014). A new measure of attitudes toward sexually predatory tactics and its relation to the triarchic model of psychopathy. Journal of Personality Disorders, 28(2), 247-261. Retrieved February 3rd, 2015 This article covers psychopath’s connection to behavioral traits and personality traits. This links it to the paper at hand due to the fact it further discusses personality traits and behaviors of sexual predators. It further discusses criminal predatory behaviors such as various sexual tactics and other problematic sexual behaviors. Myers, M.D., W. C. (2004). Serial murder by children and adolescents. Behavioral Sciences and the Law, 22, 357-374. doi:10.1002/bsl.590 This article discusses six cases of child serial killers, their behavioral characteristics, methods of killing and the crimes of themselves. This article supports the usefulness of criminal profiling in determining offender identity. This article will further support the aspect of evaluations in criminal profiling as well. Quayle, J. (2008). Interviewing a Psychopathic Suspect. Journal of Investigative Psychology and Offender Profiling, 5, 79-91. doi:10.1002/jip This research article discusses psychopathy as a personality disorder that has certain elements that the offender must meet before being clarified as psychopathic. This further helps to define and understand the role in which psychopathy plays within criminal profiling. This article coincides with other articles to further back up the findings from them as well. Turvey, B. E. (2012). This source is being used to help us further understand victimology and how it works within criminal profiling. Brent Turvey has experience within the criminal profiling field and gives much insight to ethical and legal issues, offender behaviors, and psychopathy. This source helps to fully pull everything together and backs up all other resources and findings as a whole which helps to solidify the paper to be most factual.

Case Preview and Questions for Anagene, Inc. Essay

A start-up company struggles to understand its operating margins. How much of the large monthly fluctuations in margins is real and how much is caused by its costing system? Skim the section on The Genomics Analysis Market on pages 1-3 of the case but pay attention to the information on competitive position. Case Questions: 1. Work the Youngstown Products numerical example on the following page. (This should take only a few minutes and is basically a short refresher on a phenomenon we saw in the Bridgeton case.) Answer is inline in Youngstown case question. 2. The cartridge margins shown in Tables A and B vary from 17% to 65%. What elements of cost account for the difference between the 2000 Actual and 2001 Budget margins in Table A? What elements of cost account for the difference between the margins in the original 2001 Budget in Table A versus the revised 2001 Budget in Table B? For each element, why do you think costs changed between 2000 and 2001 between the original and revised budgets in 2001? What would you predict for each cost in the long-run? The elements account for the difference between 2000 Actual and 2001 Budget are the estimated material and scrap cost, overhead cost based on cartridge production volume. Revised material and scrap cost, overhead cost account for the difference between original and revised 2001 Budget in Table B. The estimated and actual production volume affects each element of cost. Larger volume means lower per unit cost. In long-run, the cost should approach to a steady level. 3.Kelly, Puleski, and Yeltin meet to discuss concerns about both â€Å"long-term profitability of the business† and â€Å"short-term profitability.† Discuss how well the current standard cost systems helps the board and analysts distinguish and understand these two issues. The current system doesn’t do well at estimating the cost. The estimated material and scrap cost, overhead cost depends on estimated production volume rather than capacity. The system can explain short term profitability but has difficulty to explain long term profitability. 4. Suppose sales in 2001 equal 26,000 units, as budgeted in January, and that actual manufacturing expenses turn out to equal budgeted expenses. What should Daniel Yeltin do to â€Å"devise a better way to calculate product costs and gross margins for management decision-making purposes†? (Hint 1: What are the decisions facing management and the board? Hint 2: Consider the suggestion in Activity-Based Costing and Capacity to allocate costs based on capacity, rather than based on production. What is current cartridge manufacturing capacity according to the information in Exhibit 8? What are the costs of providing that capacity according to Exhibit 7? What should Daniel Yeltin do with the cost of unused cartridge manufacturing capacity?) Basically calculating the cost based on production capacity rather than production volume. The current manufacturing capacity is 65000, while the cost of such capacity is $1,299,581. The unused cartridge manufacturing capacity should be written off as an expense. 5.Anagene expects demand for 95,000 cartridges in 2002. What changes can Anagene make to increase capacity to meet higher demand? (See information in the comments column of Exhibit 8 about additional capacity that can be added to the various manufacturing steps.) Assume employees added to increase capacity at any of the various steps cost $100,000 per employee, and assume these costs are treated as part of the overhead cost pool because they are costs of increasing capacity. Under these assumptions, how will the cost of adding capacity affect the overhead component of cartridge manufacturing costs? Youngstown Products, a supplier to the automotive industry, had seen its operating margins shrink below 20% as its OEM customers put continued pressure on pricing. Youngstown produced four products in its plant and  decided to eliminate products that no longer contributed positive margins. Details on the four products are provided below: ProductABCDTotal Production Volume (units)10,0008,000 6,000 4,000 Selling Price$15.0018.00 20.00 22.00 Materials/unit$ 4.00$ 5.00 $ 6.00 $ 7.00 DLH/unit0.240.18 0.12 0.08 Total DLH2,4001,440 720 3204,880 Plant Overhead $122,000 DL rate/hour$30 Youngstown has a traditional cost system. It calculates a plant-wide overhead rate by dividing total overhead costs by total direct labor hours. Assume, for the calculations below, that plant overhead is a committed (fixed) cost during the year, but that direct labor is a variable cost. 1. Calculate the plant-wide overhead rate. Use this rate to assign overhead costs to products and calculate the profitability of the four products. Product 2. If any product is unprofitable with this cost assignment, drop this product from the mix. Recalculate the overhead rate based on the new total direct labor hours remaining in the plant. Apply the new overhead rate to the remaining products. A is not profitable, after dropping out A, the new overhead rate will be 122000/(4880-2400) = 49.19 Product 4. What is happening at Youngstown and why? The total plant overhead is fixed, and when a product line is dropped, each product line has higher overhead allocated, and eventually Youngstown becomes unprofitable. 5. What does the situation at Youngstown (a low-tech manufacturing firm making decisions to shrink sales over time) have to do with the situation at Anagene (a high-tech firm making decisions to grow sales over time)? Anagene is facing a similar situation. If Anagene continues to use budgeted manufacturing volume when determine the cost,  Anagene might have a risk to run into the death spiral as Youngstown (dropping unprofitable product until nothing is profitable).

Creativity and Innovation in Indian Banks

Topic: Innovative products by Indian organizations in the Banking Sector Akshita Shetty Student K J Somaiya Institute of management studies and research PGDM (RM) Roll no: 56 Email id:[email  protected] com Abstract During the past one decade, one of the sectors which underwent visible sea-change through innovative strategies is undoubtedly the banking sector. The sector has been growing at a fast pace in India and is challenged with several aspects like new regulations from time to time, changing customer needs and perceptions, changing technology and changing operations.Technology has been playing a crucial role in the tremendous improvement of banking services and operations. Indian banking industry has moved way ahead both in terms of offering value added services and delivering quality service. It was thought that the world financial crisis would impact the Indian banking sector in a serious manner. But, because of the strong foundations of Indian banking system with the suppo rt from well structured financial systems, the anticipated impact of the world crisis was almost insignificant. Instead, it helped the banks to get strengthened further and become closer to the customer with innovative approaches.Banks appear to be on the path of achieving sustainability and a long-term survival because of innovation. Keywords: Innovation in banking, technology in banking, changes in banking, transformation in banking, IT in banking, Indian banking. Introduction Technology has brought about a complete paradigm shift in the functioning of banks and delivery of banking services. Gone are the days when every banking transaction required a visit to the bank branch. Today, most of the transactions can be done from the comforts of one’s home and customers need not visit the bank branch for anything.Technology is no longer an enabler, but a business driver. The growth of the internet, mobiles and communication technology has added a different dimension to banking. T he information technology (IT) available today is being leveraged in customer acquisitions, driving automation and process efficiency, delivering ease and efficiency to customers. Many of the IT initiatives of banks started in the late 1990s or early 2000 with an emphasis on the adoption of core banking solutions (CBS), automation of branches and centralization of operations in the CBS.Over the last decade, most of the banks completed the transformation to technology-driven organizations. Moving from a manual, scale-constrained environment to a global presence with automated systems and processes, it is difficult to envisage the adverse scenario the sector was in the era before the reforms, when a simple deposit or withdrawal of cash would require a day. ATMs, mobile banking and online bill payments facilities to vendors and utility service providers have almost obviated the need for customers to visit a branch.Branches are also transforming from operating as transaction processing points into relationship management hubs. The change has been very productive for banks bringing in an increase in productivity and operational efficiency to be more competitive. Better risk management due to centralization of information and real time availability of critical data for decision making. With most of the banks being technology-enabled, the focus is shifting to computerizing regional rural banks (RRBs).In addition, banks are moving toward decision making and business intelligence software and trying to optimize the IT infrastructure created The banking system in India has created a niche for itself in the current competitive global arena where adoption of new and innovative technological developments carries the key to expansion of business and its future development. The Indian banking system has come a long way from being a player restricted to domestic boundaries to a leading giant in the world of financial services across the globe.Credit for this progress goes to a mix of factors like, the introduction of various economic reforms which gave a boost to the banking sector, adoption of new technology by banks in order to streamline their line of businesses and increasing profits by improving cost efficiency and offering doorstep banking convenience to their customers. Banking ‘Then' and ‘Now' Indian villages were deprived of various financial products like mutual funds, insurance and equity trading hitherto, which are now accessible through proxy banking in the form of Internet kiosks and ATMs.The alias given to banking which is not routed through branches is ‘Channel Migration'. Through this route, a bouquet of services is at the customers' disposal in today's banking system. This is possible because banking transactions are stored in a centrally located server with which all other branches of a bank are connected. The technological systems in India are considered far more advanced than those of Russian and Chinese banking sy stems but are lagging far behind the UK, USA and Singapore.Connectivity takes root Today almost all scheduled commercial banks are connected to all the branches on a real time basis extending the anywhere banking facility to the customers, which means that it is not necessary for a customer now to visit the branch personally in order to conduct transactions. Now a customer has various other options available with him like internet banking, mobile banking, ATMs (automated teller machines), phone banking which offers 24 X 7 banking, etc.Whenever and wherever a transaction is done in a bank account, the updated status is reflected in all the branches, thus making anywhere banking possible. ATMs have revolutionalized the banking sector by making cash and other banking services available to customers at all times. Future Outlook The future of Indian banking lies in increased investment in technology platforms and a greater focus on end-to-end solutions provided by IT majors like core ban king products, vertical specific CRM and risk management software. Body scopeInnovation by Indian banks in aspects such as: Service banking ATMS’s Net banking Mobile banking ECS/RTGS/NEFT Debit card/credit cards CRM (customer service) Case studies: (for example) South Indian Bank: The salary disbursement of corporates , firms and such others who maintain accounts with any of the 511 CBS branches would be managed by the Bank, hassle-free and free of any bank charges. The employer would be benefited in that the salary could be disbursed to any employees/any single employee who are/is working even in far-off places where SIB has no presence.Dr. V. A. Joseph ,Chairman & CEO of the Bank and Mr. M. P. Gopalakrishnan,President ,CMS Trust jointly launched the product . In his inaugural address Dr. Joseph said, †This convenience banking product, which is designed for the convenience of both employers and employees, leverages the bank's strong technology platform, which connects all the 511 branches and 26 extension counters of the Bank under Core Banking Solutions network offering anytime banking to its customers. GSSA can be opened with zero balance†.The Chairman and CEO of the Bank also stated, â€Å"South Indian Bank, being a customer – oriented Bank is striving hard to render personalized customer service using the latest technological capabilities. The technological capability of the Bank was recognised when the Bank could bag the banking technology excellence award from IDRBT which is the technical arm of RBI. The service quality of the Bank has also been recognized when the Bank was selected in the ‘Outlook Money – C Fore’ survey as the best private sector Bank in India in the service quality segment. . Dr. Joseph also referred to the facility recently started for online booking of offerings, free of bank charges , through South Indian Bank payment gateway-the first bank to go online booking -by the customers of the bank who are devotees of Guruvayur Sreekrishna Temple which is described as the Dwaraka of South India. This facility is being utilized by the NRIs also to effect offerings, hassle –free with greater transparency and security at the click of a button ,either for themselves or their aged parents resident in India.. South Indian Bank had completed on 26. 03. 07 the project ‘SIBertech’ by introducing a centralised Core Banking Solution in technology partnership with Infosys Technologies when many banks had not even started implementation of CBS . SIB, had started this project in 2001 to render personalized customer service. The new product now launched would confirm this belief†, the Chairman concluded his inaugural address.With the following carefully thought-out value additions of this innovative convenience banking product , banking for employers and their employees, is made extremely easy and comfortable: – * ;Free International ATM-cum-Debit Card for which annual maintenance charges are not collected * Online booking of offerings for Lord Sri Guruvayurappan, free of bank charges * O  Withdrawal of cash from the ATMs of other Banks free of bank charges (As charges would be borne by SIB) * O  Free utility payment and e-commerce services * ;No stipulation on minimum balance ;The depositor enjoying many freebies can earn the usual SB interest * ;The depositor can operate his SB account –during his travel/temporary transfer /transfer- hassle-free * ;The account can be closed /transferred to another branch with out any charge * ;Free of cost cheque leaves (subject to limits in each category ) * ;Free fund transfer facility through RTGS/NEFT/Fast Money /DD Customers of this feature-rich Savings Bank account are also provided with facilities to open Depository account and also enjoy mobile banking facility. Indian bank:Indian Bank has won the ‘Golden Peacock Innovative Products/Service Award' for 2011. The award was received by the bank's Chairman and Managing Director, Mr T. M. Bhasin, at the World Congress on Total Quality, held in Bengaluru on Saturday. The award was given to the bank â€Å"in recognition of its contribution to promotion of self help groups (SHGs)†. SHGs have turned out to be major vehicles of women empowerment. In the current year, Indian Bank has so far disbursed Rs 1,360 crore to 55,391 SHGs, taking the total exposure under the SHG portfolio to Rs 2,336 crore, benefiting 175,390 SHGs, says a press release from the bank.State Bank of India: State bank of India, the largest public sector bank in India, offers the following innovative services. 1. SMS Unhappy This innovative idea was initiated by Mr. Siva Kumar, Dy. Managing Director of SBI. Any customer who wants to lodge a complaint sends the message â€Å"Unhappy† to a specified number (8008202020). The Happy Room then calls the customer and records the details of the complaint. The complaint is then forwar ded. SBI has received thousands of such messages since its commencement and this service is a great success.Other banks have also started imitating this service. 2. Crorepati Only Branch SBI has launched first of its kind branch for High Networth Individuals (HNI) where it takes minimum Rs 1 crore to open an account, and that too on invitation only. This branch offers specialized banking facilities like relationship managers, 24/7 lockers, extended banking hours, doorstep pick-up and drop facilities, in addition to pampering customers five-star amenities at the branch. â€Å"We have opened as many as 50 accounts so far.We are confident of opening another 150 by the end of the current fiscal,† as per Mr. Shiva Kumar, Chief General Manager, SBI4. According to SBI, an attractive feature of the branch is 24 hour open lockers. The bank also is providing special dressing rooms for customers to cater to the needs of late night function goers segment. References -Y. Ramakrishna, Serv ice Innovation in Banks for Sustainability, IJMBS Vol. 2, Issue 2, April – June 2012 -Indian banking System: Epitome of continuous innovation, 2008. -Process innovation in the Indian banking industry, 2009 Indian Banking Sector: Challenges and Opportunities -Keertiman Sharma, Innovations in rural financial products and services, VOL. 2(1) – 2011: 35-37 -Outsourcing in the Indian banking sector: gaining momentum, 2008 -Innovation in retail banking -India PRWIRE, South Indian bank launches another innovative convenience product, 2008 -Vortex engineering, Solar power to enable banking and ATM facilities for rural india, 2011 -J U Ahmed, Services Rendered by Commercial Bank: A Customer Oriented empirical Evidence from State Bank of India, Vol. I No. – 2, Jan-2011 ——————————————– [ 1 ]. Service Innovation in Banks for Sustainability [ 2 ]. technology in banking: I nsight and foresight [ 3 ]. Indian banking system: epitome of continuous improvement [ 4 ]. Solar power to enable banking and ATM facilities for Rural  India [ 5 ]. Y. Ramakrishna, Service Innovation in Banks for Sustainability, IJMBS Vol. 2, Issue 2, April – June 2012

Whaterbury Essay Example | Topics and Well Written Essays - 250 words

Whaterbury - Essay Example Among the objectives is to improve the access to comprehensive and high quality health care services to the community. Therefore, the hospital embarks on increasing the number of patients under the insurance scheme to enhance affordable services. In addition, they aim at increasing the number of health workers and supporting other healthcare providers (Waterbury Hospital 3). Another objective is to reduce drug abuse users and improve their mental health. It is to be achieved through enrolling many patients with mental disorders into treatment, increasing primary health care providers, and creating awareness among the community. Reduction of chronic diseases and promoting good health to the community is another objective. The Waterbury Hospital aims at increasing education on nutrition, health counseling, and expanding the program on physical fitness. However, the hospital has a goal of reducing death, illness, and disability associated with the use of tobacco. To achieve this, there will be screening and education to patients who are smokers before discharge from the hospital (Waterbury Hospital 7). The hospital also will support and participate in the ‘American Lung Foundation’ in creating awareness. Waterbury Hospital, therefore, aims and prioritize at addressing the four community health care needs in order to achieve its mission. Waterbury Hospital: CHNA Implementation Strategy 2013. Web. 19 March. 2015

Independent learning plan 2 Essay Example | Topics and Well Written Essays - 1250 words

Independent learning plan 2 - Essay Example ful in solving the children’s learning problems, and making the information (confidentially) available to the people that are directly connected with the children’s learning processes (Snow & Hemel, 2008). [ 2] The common procedure utilized in preparing the questions to determine the level of children with special needs is by preparing both oral and written tests. But whichever test to use depends on the child’s ability to comprehensively reveal itself either only through speaking or writing or by both (Ysseldyke et al., 2006). Age, previous exposure to any form of education and parental cares have been identified as helpful factors in successfully determining the level a child with special needs may be placed (Ysseldyke et al., 2006; Converse, 2009). There are six levels altogether, and each level up represents a more complex stage in the child education. Level one questions are general questions and could cover questions such as the student’s personal information, location of objects, activities and routines, future predictions, etc. (Cline, 1992). Level two questions could cover areas on directions, experiences, preferences, schedules, etc. Level three questions cover past events, polite requests, opinions, logical deductions, future conditions, etc. Level four covers past actions, infinitives, describing, second conditional, etc. Level five has questions on present perfect simple, third conditional, suggestions, defining relative clauses, and generalizations. For the case of level six, the questions focuses on complains, regrets, future perfect simple, reported speech, etc. (Bartlett & Wegner, 1987). The following are the examples of six-levelled questions that could be prepared orally or in written form for children with special needs to answer: 3. Classroom Organization: Each child will seat on a chair across from a wide table and facing each other but not touching each other with their bodies to avoid distraction. I will stand at the middle of