Banking Service Marketing Mix free essay sample

BANKING SERVICE MARKETING MIX SERVICE MARKETING MIX ELEMENT The service marketing mix comprises off the 7p’s. These include: * Product * Price * Place * Promotion * People * Process * Physical evidence. PRODUCT: 1. BANK PRODUCTS (A)DEPOSITS: savings, current, fixed etc. (B)ADVANCES: (1) FUND ORIENTED: a. Term loan, b. Clean loan, c. Bill discounting, d. Advances, e. Pre-shipment finance, f. Post-shipment finance, g. Secured and unsecured lines of credit. (2) NON-FUND ORIENTED: a. Guarantees, and b. Letter of credit C) INTERNATIONAL BANKING: a. Letter of credit, and b) Foreign Currency. D) CONSULTANCY: a. Investment Counseling, b. Project Counseling, c. Merchant Banking, and d) Tax Consultancy. (E)MISCELLANEOUS: a. Traveller Cheques, b. Credit Card, c. Remittances, d. Collections, e. Sale of Draft, f. Standing instructions, and g. Trusteeship. In banking the products are services. Services cannot be seen or protected like goods. The potential buyer of the services can form an opinion about the services offered. The product should suit the market needs. We will write a custom essay sample on Banking Service Marketing Mix or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Bank services are viewed in terms of the satisfaction they deliver and not just the things that are created with value. The banks primarily deal in services and therefore, the formulation of product mix is required to be in the face of changing business environment conditions. The changing psychology, the increasing expectation, the rising income, the changing lifestyles, the increasing dominations of foreign banks and the changing needs and requirements of the customers at large make it essential that they innovate their service mix and make them of worked class. In the formulation of service mix, the banks can follow two guidelines, first is related to the processing of product to market needs and the second is concerned with the processing of market needs to product. Marketing aims not only offering but also at creating/innovating the services/schemes found new to the competitors vis -a-vis- to the customers. The additional attraction, the product attractiveness would be a plus point, which would b e of great help in many ways. Thus, the formulation of product mix is found to be difficult task that requires world-class professionalism. PRICE: Pricing in banking relates to the interest rates paid by the bankers on deposits, interest charged by the banker on loans and demand draft, charges for various types of transactions and fees for certain services. In India deposit and lending rates are prescribed by RBI. Pricing policy of a bank is considered important for raising the number of actual customer. In the formulation of marketing mix, the pricing decisions occupy a place of outstanding significance. The pricing decision include the decisions related to interest and fee or commission charged by bank. Keeping in view the level of satisfaction of a particular segment, the bank have to frame the pricing strategies. The banks are required to frame two-fold strategies. Strategies concerned with interest and commissions to be paid to the customer and interest and commissions to be paid by the customers for different types of services PLACE: The place decision mainly deals with selection of a suitable location for the branch. Sound location decisions help in activating the business. The location should have adequate availability of transportation, communication, electricity and other necessary facilities for the smooth functioning of the banks. Technological development, increased customer satisfaction, inadequacy of the traditional challenge to serve all customer segments have brought about ATM, telebanking, home banking, Internet banking and now SMS Banking. Another significant development is a strategic alliance set up by the private banks to overcome the handicap of limited branch network. In such alliance the branch network of one branch will be used by the other for selected transaction like bill collection, cheque collection, etc. PROMOTION: The object of a promotion programme are to inform about the new service product, to persuade the customer, to remind the customer, build image of the bank, etc. Banking services can be promoted in two ways: 1. Personal Promotion: The bank marketer gets opportunity to tangibilise the product through personal selling; persuasion is more effective with direct contact. It helps in creating impulse buying. 2. Impersonal Promotion: i. e. Advertising, Publicity and Sales Promotion measures. An advertisement in banking is a promotion measures. An advertisement in banking is a promise- a promise of satisfaction to prospectus who buy the service offered by the bank. Banks use all types of advertisement such as n ewspaper, radio, television, magazines and hoardings. Also, sales promotion device such as Point of Purchase material, brochures and advertisement specialties like ball pens, calendars, diaries, etc. Publicity is a major strength as a promotion tool than advertising as customers tend to believe a news item rather than an advertisement. Word of promotion is yet another important promotion tool as it is a better persuader and convincer than advertising and personal selling, as banking services are narrated by customer themselves. Besides, as Social welfare and Corporate Social Responsibility are considered to be an important part of banking services, the publicity measures need due care. PEOPLE: Banking products cannot be separated from the person (banker) who markets them. The product and the seller together constitute the banking product. Banks should adopt internal marketing in order to make the whole business customer-oriented. The bank products should be marketed to the employees first before they are marketed to customer. The corporate mission should be communicated repeatedly and effectively to all employees by the top management. The placement policy should emphasize that the recruits should not only be conversant with all aspects of banking businesses but also have the skill for social interaction and tolerance for interpersonal contact. The quality for banking sector is an aggregation of all the properties, which are found essential for satisfaction to prospectus who buy the service offered by the bank. Banks use all types of advertisement such as n ewspaper, radio, television, magazines and hoardings. Also, sales promotion device such as Point of Purchase material, brochures and advertisement specialties like ball pens, calendars, diaries, etc. Publicity is a major strength as a promotion tool than advertising as customers tend to believe a news item rather than an advertisement. Word of promotion is yet another important promotion tool as it is a better persuader and convincer than advertising and personal selling, as banking services are narrated by customer themselves. Besides, as Social welfare and Corporate Social Responsibility are considered to be an important part of banking services, the publicity measures need due care. PEOPLE: Banking products cannot be separated from the person (banker) who markets them. The product and the seller together constitute the banking product. Banks should adopt internal marketing in order to make the whole business customer-oriented. The bank products should be marketed to the employees first before they are marketed to customer. The corporate mission should be communicated repeatedly and effectively to all employees by the top management. The placement policy should emphasize that the recruits should not only be conversant with all aspects of banking businesses but also have the skill for social interaction and tolerance for interpersonal contact. The quality for banking sector is an aggregation of all the properties, which are found essential for generating the efficiency and projecting a fair image. Even efficiency essentially is supported by ethical dimension, humanity and humanism. The development of human resources makes the way for the formation of human capital. Human resource can be developed through education, training and by psychological tests. Even incentives can inject efficiency and can motivate people for productive and qualitative work. PROCESS: It involves all activities right from the product conception stage, to product designing and development down to its marketing at the branch level. Flow of activities: all the major activities of banks follow RBI guidelines. There has to be adherence to certain rules and principles in the banking operations. The activities have been segregated into various departments accordingly. a) Standardization: banks have got standardized procedures got typical transactions. In fact not only all the branches of a single- bank, but all the banks have some standardization in them. This is because of the rules they are subject to. Besides this, each of the banks has its standard forms, documentations etc. Standardization saves a lot of time behind individual transaction. b) Customization: There are specialty counters at each branch to deal with customers of a particular scheme. Besides this the customers can select their deposit period among the available alternatives. Number of stores: numbers of the steps are usually specified and a specific pattern is followed to minimize time taken. Simplicity: in banks various functions are segregated. Separate counters exist with clear indication. Thus a customer wanting to deposit money goes to deposits counter and does not mingle elsewhere. This makes procedures not only simple but consume less time. Besides instruction boards in national boards in national and regional language help the customers further. Customer involvement: ATM does not involve any bank employees. Besides, during usual bank transactions, there is definite customer involvement at some or the other place because of the money matters and signature requires. PHYSICAL EVIDENCE: The physical evidences include signage, reports, punch lines, other tangibles, employees dress code etc. The companys financial reports are issued to the customers to emphasis or credibility. Even some of the banks follow a dress code for their internal customers. This helps the customers to feel the ease and comfort. Signage: each and every bank has its logo by which a person can identify the company. Thus such signages are significant for creating visualization and corporate identity . Tangibles: banks give pens, writing pads to the internal customers. Even the passbooks, chequebooks, etc reduce the inherent Intangibility of services.

How to Write a Resume that Beats the Computers

How to Write a Resume that Beats the Computers Your Resume:   Humans vs. Computers When I give webinars on writing resumes, one of the topics I cover is how to make your resume visually appealing.   I often get this question: Why would I want to spend so much time and money making my resume pretty if it’s just going to confuse the computers? My answer is that yes, the computers are important, and that you ALSO need to have a resume that’s designed to be read by human beings.   We all know that you are most likely to find your job through networking or the â€Å"hidden job market.† When you send materials to someone in your network or to a decision-maker in the hidden job market, you want to include a professional-looking resume.   And when it’s time for an interview, it’s also advisable to have a nicely formatted resume to hand across the table. For those of you who are hoping to get those interviews by applying online, the question still remains: How can I write a resume that makes it past the computers?   In other words:   How can I raise my odds above 2%? Keep reading. There are two issues with submitting online resumes.   One is the format of the resume; the second is the keywords it contains. Formatting for Robots: ATS (Applicant Tracking System) software is not the smartest software in the world.   It gets confused by bullets, non-traditional headings, graphs, tables, and text boxes.   So you need to have a version of your resume that is stripped down and organized just for the computers. We call this your â€Å"text-based† resume. Your text-based resume should follow these guidelines: Create it in (or copy it into) a text editor such as Notepad, SimpleText or TextEdit. Use easily understandable headings like â€Å"Summary of Qualifications,† â€Å"Professional Experience† and â€Å"Education.† Don’t get fancy or creative with your headings, and don’t put two categories together in one section.   Do NOT, for instance, use the heading â€Å"Education Certifications† or â€Å"Skills Interests.† Use dashes or asterisks instead of bullets. List your address in standard â€Å"tombstone† style, one line on top of the next. Put spaces between sections. Here’s what your text-based resume might look like (beautiful, isnt it?): How will you know what keywords to use in your resume? Just because the computers can read your resume doesn’t mean you will have the right keywords to make it past their screening systems. Perhaps counter-intuitively, the keywords that truly make a difference with computer scanners are the ones you have on your resume that not everyone else includes. I have no doubt that you have great experience that qualifies you for many positions. If the computer can understand and rank it properly, it will help you immensely.

Vibration Training Coursework Example | Topics and Well Written Essays - 4500 words

Vibration Training - Coursework Example These efforts led to the development of vibration platforms and whole body vibration technology as a solution (History of Whole Body Vibration). Vibration training is a technology and not a device. The device employed is the vibration platform. In whole body vibration training vibration platforms are used and the individual stands, sits, or lies prone on the vibration platform, depending on how and for what are the objectives in the use of the technology. The frequency and the strength of the vibrations can be adjusted for achieving different ends. The individual holds the required position on the vibrating platform, which may be in the standing on one foot or squatting with knees fully bent and so on for a selected period of time, like sixty seconds. Vibration training is thus a simple means for achieving certain desired health parameters in individuals (Whole body vibration training). Evidence from studies of individuals exposed to vibration effects show that there are a host of possible beneficial as well as destructive effects. Summarizing these effects is that every biological system and subsystem of the human body can possibly be affected by vibration input, as is seen from chronic exposure to vibrations at the wrokplace. Given that gravity works in the verticular direction, exercising in the verticular direction causes verticular expansion and contraction of all the major organs in human body, the abdominal cavity and the muscles in the body. These movements can provide the beneficial effect of stimulating growth plates, improving blood circulation, activating the lymph system, eliminating cellulite and enhancing muscle strength. This is the basis for the posit that controlled exposure to vibrations could have beneficial impacts (Mester et al, 1999). The medical use of vibration training is derived from the possibility of vibration training being beneficial in strengthening muscles, enhancing bone

Library Research Paper Essay Example | Topics and Well Written Essays - 1500 words

Library Research Paper - Essay Example Instead of individual phonemes being connected to form the rudimentary parts of an out-loud language, sign language uses individual movements to create meaning. Nevertheless, the language itself is not merely a tool used by a particular community to express and communicate thoughts, emotions, and ideas to other people. A living object connects members of the deaf community across ethnographic boundaries, a range of diverse backgrounds, and a number of very different hearing loss disorders. In a rare look into the culture of deafness from a complex sociocultural perspective, anthropologists Richard J. Senghas and Leila Monaghan (2002) raised questions about community identity, language ideology, and cultural formation/maintenance, in an effort to learn about the kind of culture that deafness has produced within the last century. The researchers correctly identify deafness not merely as the absence of hearing, but as a community of many speakers with many different languages and cultur al practices. On a superficial level, the language of the deaf community reflects the nature of that community as one comprised of people who are inherently incapable of using the spoken word. Nevertheless, on a more fundamental level, the language of the deaf community reflects deafness as a matter of social construction, and that understanding the deaf language is instrumental to understanding the deaf community. Linguistic communities are collections of people who can and do communicate with one another using language. Deaf people, or members of the deaf community, participate in these linguistic communities through a fully-formed language that bears the hallmarks of all natural languages, as identified in Stokoe’s (1980) and Washabaugh’s (1981) surveys. The participation in a linguistic community means that the anthropological, sociological, and linguistic study of the deaf

The theory of wound care fro Podiatry Essay Example | Topics and Well Written Essays - 2000 words

The theory of wound care fro Podiatry - Essay Example They may be chronic or acute, and open or closed. The patient presented with a full thickness ulcer measuring 8 mms in diameter of approximately 6 months duration and the tissues around the ulcer are acutely inflamed. Patients with rheumatoid arthritis may develop leg and foot ulcers of varied aetiologies, including venous disease, infection and inflammation. The foot ulcers in rheumatoid arthritis patients may involve several of these aetiological factors and are often difficult to heal (Sunita). Both the ulcers and the treatments are often painful, and these ulcers may be present for years. Chronic wounds plague more than 10 million people in the world today. But even more troubling is the fact that these wounds may persist for months and even years without any healing or sign of improvement (Morgan 25). The problem is usually, if not always, not the wound itself; and therefore treating the wound will not, in chronic cases, resolve the issue. Chronic wounds have underlying causes t hat must be addressed in order for the wound to heal properly. Because normal skin and wound care is not enough to heal these wounds they usually remain for extended periods of time. As a rule, only 50% of leg ulcers heal within 4 months of appearing, 20% remain open at 2 years and 8% remain open at 5 years (World Wide Wounds). So we see that to effectively treat a chronic wound you must treat the cause and not simply treat the symptom. There are several factors that affect wound healing. These include the age of the patient, hydration status, presence of infection, presence of underlying conditions, medications, obesity, oxygenation and tissue perfusion, personal hygiene and nutrition (Bowler 499). In the case of Mrs. Freeman, these factors can be very well correlated. The physiological changes that occur with ageing place older patients at higher risk of poor wound healing. The age of the patient places her in a relative state of immune deficiency. The immune system also declines with age making older patients more susceptible to infection. Older people can also present with other chronic diseases, which affect their circulation and oxygenation to the wound bed. Dehydration leads to an electrolyte imbalance and impaired cellular function. The presence of infection can significantly alter the rate of wound healing. Infection has been defined as the deposition and multiplication of organisms in tissue with an associ ated host reaction (Dealy 56). In the given case, infection is rather evident in the patient's ulcer. The presence of unhealthy granulation, thick, bloody, and malodorous exudates indicate the presence of infection. Wound infection is a problem because, at the most fundamental level, infection stops a wound from healing by prolonging the inflammatory phase, disrupting the normal clotting mechanisms and promoting disordered leukocyte function and ultimately preventing the development of new blood vessels and formation of granulation tissue. Chronic diseases like diabetes mellitus, rheumatoid arthritis, and lupus can delay the process of healing. The patient has been diagnosed with rheumatoid arthritis of 10 years duration and this has markedly affected wound healing in her case. She also has secondary hypertension and iron deficiency anemia. The presence of chronic diseases weakens the immune system, dampening its ability to counteract the pathogens attacking the

Dangerous Goods Can Create Accidents Engineering Essay

Dangerous Goods Can Create Accidents Engineering Essay Dangerous goods are essentially for wide range of global industry, commercial, medical and research requirement and processes. This is because of the advantages of air transport, a great deal of this kind of dangerous cargo is carried by air transport called airplane. Besides that, in term of definition dangerous goods (DG) is something about hazard material or can be easily said any risk object which can causes mischief such as explosive, corrosive, flammable, toxic and even radioactive. Nevertheless, ICAO has been recognized the importance of this type of cargo and has been taken steps to ensure that such of cargo can be carried safely. Furthermore, dangerous goods posses lots of significant risks and impacts. For example like it can start a fire and help in spreading a fire. Then, it can react with aircraft material, can release toxic vapor and even come o worst explosion might happen. http://www.ritchiestraining.co.uk/pix/uploaded/Library/Ritchies_Dangerous_Goods_By_Air_and_Sea.jpg Figure 1: Dangerous Goods Can Create Accidents Page 1 https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifuPfeTzE7VEn5JNTxCSrQNqfu79h-8iC070senyFqdkSOpykAkLIMtn7zfAKO29BfZbSTYr36FiXsrzjciqvjN_-8OOecL1ZJhKFLKMJAEb3ze8mrC0TXr6z14IQrsLLPKPyGMloi4EI/s660/wentwrong+header+copy+small.jpg Figure 2: ValuJet Accident by Explosion There is an incident where can be proved that hazard material can causes harm to aircraft itself. On May 11, 1996 Everglades, Miami, Florida ValuJet, Flight 592 McDonnell Douglas DC-9-32, N904VJ. The in-flight fire was caused by activation of one or more oxygen generators in the forward cargo hold. The generators were outdated, improperly labeled, lacked safety caps and were prohibited from being transported on a passenger flight. The loss of control resulted either from flight control failure or incapacitation of the crew due to extreme heat and smoke. Recently, all 110 aboard killed. The person who handles dangerous goods at airport called dangerous goods inspector. He / she must be well trained in every aspect of the duties as a technical inspector and regulatory officer otherwise the aviation will turn down. This kind of person must aware where an each shipment of dangerous goods may possibly represent an intimidation to life, health, property or environment. In addition, the inspector should obey the procedures and regulations attempt to handle cargo and minimize the danger during transport. Basically, how do the inspector handle the DG is he / she carried out at cargo facilities with the scale and nature of the operation. Besides that, inspection of procedures includes visiting operators or handling agents premises as proper. Page 2 2.0 Transport Dangerous Goods by Annex 18 Annex 18 can be specified as standard and recommended practices which enable dangerous goods to be carried safely. Annex also makes compulsory upon Contracting States the requirements of the Technical Instructions, which contain the very detailed and various instructions necessary for the correct handling of dangerous cargo. Logically speaking, the use of these common bases by all forms of transport allow cargo to be transferred safe, sound and even smooth between air, sea, rail and road modes. Nevertheless, ICAO requirements for the safe handling of dangerous goods firstly identify a limited list of those substances which are unsafe to carry in any circumstances and then show how other potentially dangerous articles or substances can be transported safely. Technique of Transport Dangerous Goods Classification 5. Procedures Emergency Respond 3. Documentation, Acceptance for Air Transport 4. Handling Stowage 2. Packaging, Marking Labeling Figure 3: Technique of Transport Dangerous Goods Page 3 Identification and Classification of DG The nine hazard classes are those determined by the United Nations Committee of Experts and are used for all modes of transport. Class 1 includes explosives of all kinds, such as sporting ammunition, fireworks and signal flares. Class 2 comprises compressed or liquefied gases which may also be toxic or flammable examples are cylinders of oxygen and refrigerated liquid nitrogen. Class 3 substances are flammable liquids including gasoline, lacquers, paint thinners, etc. Class 4 covers flammable solids, spontaneously combustible materials and materials which, when in contact with water, exit flammable gases, such as some powdered metals, cellulose type film and charcoal. Class 5 covers oxidizing material, including bromated, chlorates or nitrates and this class also covers organic peroxides which are both oxygen carriers and very combustible. Class 6 includes poisonous or toxic substances example pesticides, mercury compounds, etc comprise together with infectious substances which must sometimes be shipped for diagnostics or preventative purposes. Radioactive materials are in Class 7 which there are mainly radioactive isotopes needed for medical or research purposes but are sometimes contained in manufactured articles such as heart pacemakers or smoke detectors. Corrosive substances which may be dangerous to human tissue or which pose a hazard to the structure of an aircraft are dealt with in Class 8 for example, caustic soda, battery fluid, paint remover. Finally, Class 9 is a miscellaneous category for other materials which are potentially hazardous in air transport, such as magnetized materials which could affect the aircrafts navigational systems. http://www.ctsgb.ltd.uk/assets/generic/icons.gif Figure 4: 9 Classes of Dangerous Goods Page 4 Packaging, Marking Labeling Basically, the operator or handling agent looks at the external appearance of all the packages of dangerous goods as a safety package inspection before being transported. In addition, the items need to keep in the operators custody provided whether the goods are due to transport or have been transported. However, the inspection will check that the requirements of marking and labeling have been fully filled. Hence, type of packaging that has been used is permitted and tag along with the correct specification. For the radioactive material, the handling agent will pack the material based on the radiation level packages which fit in state for transport. Nevertheless, the packages of dangerous goods should only be opened in exceptional circumstances and with extremely caution. Once if the package opened, they need to take the potential hazard from the contents into account and handle it with fully attention. Any package opened during an inspection, it must be handed before to the consignee which means the goods must be restored in its original condition by inspector. https://images.fedex.com/images/us/services/options/ground/hazmat/PhenolSolid_Boxes.jpg Figure 5: Packaging, Marking, and Labeling Page 5 Documentation and Acceptance for Air Transport Documentation is to determine a dangerous goods shipment meets all applicable requirements. Information that contain in several documents need to transport out a detailed check because it is necessary to cross refer from one document to another. The handling agent must check the associated documents when he / she have the packages of dangerous goods in his / her premises. A document check only is made when there are no packages available. There are several inspections that required inside the documents such as Air Waybill, Shippers Declaration, Acceptance Check List, Notice to Captain and others. The intention of inspecting the Air Waybill is to ensure that they have completed correctly by using the correct classification and method of packing so that it can be established. Thus, the purpose of inspecting the Acceptance Check List is to make sure that the handling agent uses a form which allow for completion by the acceptance clerk. Nevertheless, the Notice to Captain is to determine that all the required information was given and checked. At this moment, where the form was signed by the pilot and the loading / stowage requirement met. https://images.fedex.com/images/us/services/options/ground/hazmat/OP-900_Exception.jpg Figure 6: Documentation of Dangerous Goods Page 6 2.4 Handling and Stowage Handling also can be known as loading so that it can be pronounced as loading and stowage. The inspection of loading and stowage at the cargo side is to ensure the dangerous goods are adequately secured to prevent movement. Then, the requirement of segregation distances can be maintained respectively when any radioactive material has been stowed. Besides that, any cargo aircraft that has placed dangerous goods on the main deck and only get accessible by the Technical Instruction. And also make sure of toxic or infectious substances are not in close proximity to animals and foodstuffs, it can be harmful to them and also aircraft fuselage if there are any leakages from the toxic substances. http://www.csc-scc.gc.ca/text/plcy/images/318-gl5-1_e.gif Figure 7: Handling and Stowage Table Page 7 2.5 Procedures and Emergency Response The procedure of transport dangerous goods is a guidance tool for airport directors and crews to use when developing, evaluating, updating or training an Airport Emergency Plan. It also can be informed the emergency responders to who are not experienced with airport operations or airport emergencies. However, whenever once hazardous material spills out on the aircraft body, it can be resulted as aircraft accidents or incidents. This is because the body of aircraft will be corroded and eventually it will create a whole on it and can be cabin pressurization and even lead to the aircraft crash. Thats why precautions should be aware to avoid exposure to hazardous components for safety purposes. In this kind situation, Airport Emergency Plan (AEP) needs to clean up the aftermath emergencies involving hazardous materials such as foam and hydrocarbon. The agencies must follow the strategies and procedures which contain in the flow of hazardous materials after an emergency inside the aircraft or even at the airport. Besides that, they also need to repair the pavement of the runway if the materials damaged the runway by the spills. https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiz1qhHjJzbDYC19B_V82h2ub32Z5qhOwYsXcfFoFYQXT4LBvwvUdd70jcaGLfySUgEWbO_2_uxxxn537Ps9ZATuV5cmqkVTI45griW7nq2rzT4OX9J4n0T9GnC0PHmSotglANBpUU3nJ4R/s1600/emergency_response_title_page.jpg Figure 8: Emergency Responses Page 8 3.0 Class 3 Flammable Liquids In many classes of dangerous goods that have been enshrined in the aviation law procedures. There are limitation on loading dangerous goods inside the aircraft, this is because not all classes are allowed to be loaded inside the aircraft unless with special exemption or provision. So, I choose Class 3-Flammable Liquids as my point of assignment of TDG. http://www.thecompliancecenter.com/store/media/catalog/product/l/b/lbcn06us_hi.gif Figure 9: Class 3 Flammable Liquid Flammables liquids can be defined as liquids, mixtures of liquids or liquids that contained solids in solution or suspension which is given off a flash point of flammable vapor at suitable temperatures must not more than 60-65Celcius. Transportation must follow the procedure which is transport the liquids at temperatures at or above the flash point for the safety purposes. Hence, this class has specific reason for regulation which is competent of posturing severe hazards due to the volatility, combustibility and potential in causing or propagating rigorous conflagrations. Besides that, there are several common transported flammable liquids in aviation industry such as acetone, paints, alcohols, perfumes, gas oil, and etc. Page 9 Nevertheless, dangerous goods inspector has an authority to handle flammable liquids. He also has capability to inspect all customer requests that has connection with logistics of flammable liquids for example like packing, packaging, compliance, freight, forwarding and training. Meanwhile, the labeling and marking of dangerous goods, the method in which they shall be located at beneath an aircraft, the responsibilities of the crews in respect of the carriage of dangerous goods and the action to be taken in the event of emergencies arising involving dangerous goods. Otherwise, if the operator fails to follow the procedure, it can turn down the aviation world industry and make disaster and even can affect the aircraft fuselage and passengers. http://images.thenews.com.pk/updates_pics/1-24-2011_9678_l_u.jpg Figure 10: Airport Explosion by Flammable Liquid Leakage at Moscow Page 10 4.0 Conclusion As my conclusion, Transport Dangerous Goods is very important subject where we as an aviator can know about the dangerous goods as well. Dangerous goods can be known as hazard materials which can cause harm to surrounding including human and animal. As we all know that dangerous goods has nine classes provided which is Class 1-Explosives, Class 2-Gases, Class 3-Flammable Liquids, Class 4-Flammable Solids, Class 5-Oxidizing Material, Class 6-Toxics and Infectious, Class 7-Radioactive, Class 8-Corrosive, and Class 9-Miscellaneous. Furthermore, with this kind of classifications we can conclude that the goods inside container are dangerous or not. Then, I have learned about the flow of instruction in dangerous goods which is classification, packaging, documentation, handling, and emergency responses. This flow is a must to operator, if one of them is missed, the transportation will automatically cancel and aviation industry will be terminated. Page 11 5.0 Bibliography 5.1 Website 1) www.dgiglobal.com 2) www.caa.md 5.2 References 1) Transport Dangerous Goods Slide Show 5.3 Books 1) Annex 18 Page 12 Content Page No. Content Page 1.0 Introduction 1-2 2.0 Transport Dangerous Goods by Annex 18 2.1 Classifications 2.2 Packaging, Marking and Labeling 2.3 Documentation and Acceptance 2.4 Handling and Stowage 2.5 Procedures and Emergency Response 3 4 5 6 7 8 3.0 Class 3 Flammable Liquids 9-10 4.0 Conclusion 11 5.0 Bibliography 5.1 Website

Religious Controversy During the Time of Karl Marx Essay -- Karl Marx

Religious Controversy During the Time of Karl Marx Religion in Europe before and during 1848, the year the Communist Manifesto was written, was full of trials and tribulations. This is not a new thing for religion, ever since the creation of religion there has been problems. Religion is the one uncertainty that has caused disputes even wars in the past and in the present. Religion is discussed briefly in the Communist Manifesto. However, There is enough content about religion to see Karl Marx’s views on the matter but he does not go into depth on those views. Religion around the time of the Communist Manifesto was very unstable; two events prior to this time that contributed to this instability are the Separation of Christianity into Eastern Orthodox and Roman Catholic, and the Protestant reformations that took place. One of the most significant turning points in the history of European religion was the separation of Christianity into western and eastern religions. The Western Church became the Roman Catholic Church while the Eastern Church became the Eastern Orthodox Church. There was no formal split, the bishops of each church recognize each other as being genuinely Christian just a little odd in their beliefs. The Great Schism shows the difference between the two religions, and they are not all theological. One difference is that Eastern Orthodox priests are allowed to be married. Only monks in the Eastern Orthodox Church must remain celibate. This differs from the Roman Catholic Church where all priest must be single and chaste. [1] A major reason for the Schism was lack of communication. The two Churches grew so far apart in their mindsets and attitudes they could no longer understand each other. They... ...ring the time of the Communist Manifesto. Notes 1. Roger E. Olsen, The Story of Christian Theology, (Downers Grove: InterVarsity press) 290-91. 2. John H. Smith, The Great Schism, (New York: Weybright And Talley) 236-39. 3. Olsen, 291. 4. Alister E. McGrath, Reformation of thought, 2nd ed. (Oxford: Blackwell, 1993) 2-12. 5. McGrath, 2-3. 6. Discovery and Reformation, 1996,

Conjoined by Judith Minty is a poem about a broken relationship Essay

â€Å"Conjoined† by Judith Minty is a poem about a broken relationship. Judith Minty uses many similes, metaphors, and analogies to describe an unhappy union of two people and the inseparability of marriage. The sub title is â€Å" a marriage poem† which sets the theme of the poem, but until you start reading you do not realize that it is an unhappy view towards marriage. She uses words with negative connotation such as â€Å"heavy†, â€Å"deformed† and â€Å"accident† to describe the relationship in a marriage. She ends the poem with â€Å"We cannot escape each other. † This is a depressing ending to her poem because she talks about marriage as if it is a prison. Minty uses a simile to describe marriage by writing â€Å"An accident, like the two-headed calf rooted in one body, fighting to suck at its mother’s teats†. She uses the calf with two heads as a symbol of the two people involved in a marriage. Both have two separate minds to think for themselves but are combined in a relationship. When she says â€Å"fighting to suck at its mother’s teats† she talk about how two people in a marriage fight to get their way and their opinion in against each other. This enhances the poem because it shows how she compares marriage to an accident of a two-headed calf with a simile which shows her negative view towards marriage. Judith Minty uses a metaphor when she writes, â€Å"The onion in my cupboard, a monster actually two joined under one transparent skin†¦ † She uses the comparison of the onion to a monster to translate that marriage can be a horrible thing. She uses the transparent skin of the onion as the bond between two people in a marriage. The metaphor enhances the poem because it is the first line of the poem and it sets the unpleasant tone immediately. Minty uses a lot of diction in her poem â€Å"Conjoined† which shows her negative view towards marriage. â€Å"To sever the muscle could free one, but might kill the other. † She uses this sentence to show that divorce could end their unhappy marriage and free one of them, but the other will be left heart broken and hurt. She uses words with opposite connotation like â€Å"free† ad â€Å"kill† to show the opposite reactions of feelings that divorce may have. In this sentence she is referring back to the analogy of Siamese twins, if the twins were cut apart one of them would be free and one would die just like the relationship Minty is talking about. The tone of â€Å"Conjoined† by Judith Minty is a troubled view on marriage. You get a general feel of unhappiness towards marriage with her analogies, similes, metaphors and diction that she uses in her poem. Usually, marriage is associated to positive words such as happy, commitment, love, and unity. In Judith Minty’s poem she uses depressing words when describing marriage. She calls it a â€Å"monster† and an â€Å"accident. † Minty talks about the unity of two people for years as if it was a bad thing. â€Å"†¦ doomed to live, even make love, together for sixty years. † Other people would see a marriage of sixty years as a good thing and would celebrate it.

Team Charter Analysis

Team Charter Analysis Free Online Research Papers Students which collaborate as a team during a learning experience are not only going to learn about different perspectives and mindsets, but also will learn how to sharpen their skills in areas such as collaboration, commitment and conflict management, among others. One of the most critical, if not the most critical aspect of team dynamics is communication. Effective or ineffective communication can lead to a team being extremely efficient and successful, or inefficient, and a terrible failure. The purpose of team communication is to enhance team performance; therefore, it is each team member’s responsibility to ensure effective communication. Group communication can sometimes be difficult. The basics of it are easy though. Everyone needs to understand the task at hand. They should all feel comfortable asking others for help and the others should be available and willing to help knowing they could later on be the one asking for assistance. Everyone should have equal responsibility and should never assume any one person to be the leader or the one responsible for it all. All deadlines should be agreed upon by all and if there is any issue about deadlines or any last minute problems they should be addressed without prejudice. Being in a group for some people can be hard. Especially when there is no possible way of communication other then the Internet. Some people believe that it is just easier to do tasks themselves because they believe it will be easier that way or in some way it will come out better without others having a hand in it. Some people say that too many hands in the pot can spoil the stew but what does that really mean? Being in a group you are required to work together, agree to disagree and get what needs to be done, done without hurting anyone’s feelings, and without getting to a point where the anger affects the work, at which point does nothing for anyone in the group. There will always be some disagreements about things but everyone must understand that working in a group is not just about one person being right. A group is about everyone being heard and respected for their individual ideas. Being part of a group means meeting up sometimes for group discussion or to go over the task at hand. When working alone, that person can work on your own schedule. Some people have busier lives then others but they must understand they need to find the time to meet all deadlines. All individuals must respect that their actions or lack thereof participation can weigh heavily on everyone else’s grade or ending reward. The best way to be able to work together and be a happy group would be to follow a couple guidelines. A happy group is a successful group. 1.Be willing to help out other members if needed 2.Remember there is not just one person in a group 3.Agree on all deadlines and individual assignments 4.Do not except anyone else to do your work. 5.Meet up at least once as friends and discuss nothing of the project. Get to know each other a little better first, if this is possible. This will allow everyone to be more comfortable with each other and working together will be just like working with friends. 6.If unable to meet then if possible everyone should meet in a chat area on a day and time that works for everyone. These guidelines if followed correctly will guarantee a satisfactory grade or ending reward, without anyone getting their feelings hurt and will make the teacher or even a boss very happy. Dispute Resolution Working in a group can be very challenging especially if all the team members are not at the same location. This can cause serious problems, which can result in the team missing important deadlines for task assigned. With any group there are going to be disputes among team members. The team must manage those disputes in a manner which does not jeopardize the entire project. Certain strategies must be adopted beforehand to help prevent disputes and assist in resolving the disputes which were not prevented. The following is a list of strategies which should be used to provide stronger dispute resolution management. Define expectations at onset of each project Establish contact with team via messaging, email, fax, or telephone Make adjustments as needed after consensus is reached Seek advice from facilitator as a last resort Before any particular project gets on the way a team leader should be selected or elected to help define the expectations of the individuals within the group. This individual through their leadership will help in this endeavor. Once each individual knows what is expected of them then there is no confusion going forward. This step is critical in order to succeed as a team. Communication among team members is also critical especially if all team members are located in different locations. This can be done a number of ways as defined above. Because of its speed, email or messaging might be the best option to communicating with members of the group especially in crisis situations. Should a dispute arise, communication must take place in a timely manner to resolve the dispute. With any project change is unavoidable. The team must prepare for unforeseen changes that will arise. Again, having a team leader to help manage the change is going to be important. The team should make adjustments as needed after consensus from the team is reached. Although change in most cases is certain, this doesn’t mean the impact will be negative. By following rules set up by the team and tweaking those rules as needed, the end result could very well be positive. Finally, as a last resort if a particular dispute cannot be resolved the facilitator should be made aware of the situation. Teams must practice being able to resolve its own disputes without the facilitator. However, when consensus cannot be reached within the group doesn’t hesitate to contact the facilitator so the project is not held up. In all, the team should remove personal emotions from each situation as they arise for the good of the project. When a conflict arises, all team members will discuss the problem and make a rational decision. It is the understanding that people come from various backgrounds and are not always likely to agree on certain things. However, the team must realize that in order for each of its members to succeed the team must succeed as a whole. Effective strategies for fostering good team communication include developing ground rules, conflict resolution guidelines, and clear goals. The learning team charter defines the ground rules as: Complete assignments on the agreed-upon time. Check team forum regularly. Respond to question or comments in a timely manner. Contact each other via email or phone if necessary. Having rough drafts completed in advance for revising. Ground rules are important in the success of group projects. Grounds rules define the group’s expectations, agenda, schedule, and communication methods. Conflict resolution is another important aspect of fostering good team communication. The learning team charter defines the conflict resolution guidelines as: Accepting constructive criticism. Respecting everyone’s opinions. Provide encouragement. Conflict resolution guidelines set the foundation for resolving conflicts within the group. Conflicts are going to arise and as a group we must know to resolve them peacefully. Establishing clear and concise goals are important in determining the group’s expectations. The learning team charter defines our goals as: Open-communication. Complete work timely, efficiently, and precise. Each member will contribute to group assignments. Collaborative writing. These goals set the foundation for the group’s expectations. Conflicts are going to arise within any group. To minimize these conflicts, the responsibilities and expectations are provided in the beginning within our ground rules. If problems arise, we will discuss them as soon as possible before they become big problems. To avoid conflicts we define expectations at the beginning and during assignments. To use the conflict-resolution strategy, guidelines should be established in the beginning and include: How to resolve conflicts; and what to do when conflicts arise. For example, if a team member is not completing assignments on-time. To resolve this conflict, we would search for alternatives. We would make suggestions and offer help. We would first establish the problem by asking if they had any personal issues arise. We would encourage the team member by letting them know their knowledge and perspective is valued and important in group assignments. Conflict is particularly difficult when someone feels attacked in the group. When we are criticized are natural intent is to defend ourselves by counterattacking (Locker Kienzler, 2008). For example, if a team member offers constructive criticism to another team member. If a conflict results and feelings are hurt, we would resolve this conflict by having the team members check their feelings. First, the team member will paraphrase the content of the critic’s message. This would ensure the team member heard the critic accurately. Second, the team member should let the critic know what his or her statement means to them (Locker Kienzler, 2008). This will ensure that the feelings of the team member and critic are recognized and heard. They can then work together to resolve their conflict. We define the importance of respecting the perspectives and opinions of our team members in our ground rules. By providing this foundation, we can communicate effectively together a s a group. Technologies to Facilitate Group Communication There are two to three technologies that one might use to facilitate group communications. One such technology is the Internet. The Internet is a global system of interconnected computer networks that use the standardized Internet protocol suite to serve billions of users worldwide. The Internet is a network of networks that consists of millions of private and public, academic, business, and government networks of local to global scope that are linked by copper wires, fiber optic cables, wireless connections, and other technologies. There are many advantages of using the Internet while working in a group, for example team members can do multiple tasks at one time, such as research while talking to each other via instant messaging. The Internet offers access to the users easily but one must also be mindful to the sources behind their information. When doing research, team members need to make sure that the information that they are getting is from credible cites. This can be a disadvantage to the group is the information that is attained is not from a reliable source and cannot be supported with valid reference. Some disadvantages to Internet commutations are that it is disorganized and conducting research often leads to non- productive searches. There are also no standards of procedures to check to make sure the information attained from certain websites is accurate. Another disadvantage would be the loss of websites or web address. A person might have technical difficulties and loose the website that they were viewing. There is also the matter of a limited archive and only current information is available online and some websites charge fees to access specialized information. There are many Instant messaging tools available for user’s to use which work to provide real time communication between two or more people on typed text. Instant Messaging is the hottest communication tool in the business office these days. The ability to connect with colleagues, to ask questions of team members and, of course, to chat with friends all instantaneously has pushed the telephone and even email back from the forefront of communication tools. Millions of corporate users have IM on their work machines. Google, Yahoo, MSN to name a few, are some of the major messaging service providers. Each of these companies has their own instant messaging tool which are being updated and enhanced regularly. Many business are introducing their employees to use the instant messaging tool with-in the work environment to communicate with fellow employees without leaving ones workstation. Team members can converse by typing back and forth and to upload pictures and files and the team members can download those files instantly. Instant messaging also allows the option for members to add multiple members into meeting; this allows all users’ to take part in the discussion. A major setback to instant messaging is that the tool can be used for non-work related conversations. Another major problem is that the users, in most cases, install the software themselves. Information Technology leaders have no control over it. There is no supervision or any set standards or security procedures and allows virus writers and spammers to get instant access into the networks also. Another technology that team members can utilize would by the telephone. Telephones have evolved tremendously throughout the years, now we have cellular phones at our disposal. Cell phones are convenient because a person is always carrying the phone around with them on their person. Cell phones have the capability to allow the user with having access to emails, text messaging, voice mails, picture messages, and so much more. These tools are available for members to use to communicate with each other. There is also an option with cellular phone which is called three way or conference calling. This feature allows one user to bring in multiple callers into the same conversation. There are many disadvantages with cell phones because they are a cause for distraction. There are many car accidents that occur every day due to the lack of attentiveness of drivers. People get busy trying to text message or scroll through their phone books and not keeping their eyes on the road which leads to an accident. Cell phones also can cause health issue such as brain tumors due to the radiations that are transmitted. A person must be cautious because the more cell phone usage the greater the changes are for brain cancer. Conclusion In conclusion, collaborating as a team during the learning experience has it set of difficulties however; students gain knowledge and sharpen their skills in areas such as collaboration, commitment, and conflict management. One of the most critical to any team dynamics is communication. Open-communication and a willingness to accept input from others is essential during the learning experience. In addition conflict resolution strategies must be defined. These strategies help determine what to do when there is conflict. The learning team charter helps students establish team goals, ground rules, and conflict management guidelines. By defining these expectations and setting effective strategies a team can collaborate successfully as a group. References Locker, K., Kienzler, D. (2008). Business and Administrative Communication (8th edition). New York: NY McGraw-Hill Research Papers on Team Charter AnalysisResearch Process Part OneEffects of Television Violence on ChildrenThe Project Managment Office SystemThe Relationship Between Delinquency and Drug UseWhere Wild and West MeetHip-Hop is ArtThe Hockey GameQuebec and CanadaThree Concepts of Psychodynamic19 Century Society: A Deeply Divided Era

How to Write a History Essay on Egyptian Revolution 2011

How to Write a History Essay on Egyptian Revolution 2011 When you write a history essay on the Egyptian Revolution of 2011 it is important that you present proper evidence. You also want to make sure that the evidence you present supports your argument. When you make a certain point, you need evidence in order to support your argument. Evidence can be found in the form of books written by experts in your topic or field. It can also be found in magazines, produced by non-profit organizations, published in journals. Both primary and secondary sources are important because they help you go deeper into your topic or expound upon the argument you are making.  With this evidence prepared, you can move on to writing the conclusion and introduction. Introduction The introduction for your history essay on the Egyptian Revolution of 2011 that you create should be done as one of the final steps in writing your history paper. The reason for this is that you must provide some form of summary of the arguments you are going to provide later on in the body and you cannot do until the body content is written. The function of the introduction is to going to act as a bridge which gives your reader a big picture. You should open with something that grabs the attention of your reader. This can be an intriguing example, a provocative question, some sort of scenario which is very puzzling to the reader or even a thought provoking question related to the Egyptian Revolution of 2011. You should decide how broad you want the opening to be. Even if you paint a big picture for your introduction you need to relate it to your topic. You want to make sure that your introductory sentences, even if they are at the global level, can place your idea into the proper context. You should start out by considering the question you want to answer with your history essay on the Egyptian Revolution of 2011. This form of writing functions as a response to a question and your introduction serves as the first step toward that response. Conclusion When writing the conclusion for your history essay on the Egyptian Revolution of 2011 there are a few aspects you should consider as well as those you have to avoid. You should: Consider including a provocative quotation from the research you found. Offer a call to action, or questions for further study. This type of ending can redirect to the readers thoughts and help them apply your information to their own life. Return to some of the repeating points you presented in your introduction. Present to the reader with conclusive points. In your history essay on the Egyptian Revolution of 2011 You should avoid the following: You want to avoid inventing some new perspective on the issue. Don’t use unnecessary repetitive remarks applied in introduction. You want to avoid making an emotional appeal that diminishes the analytical aspects of your paper. Don’t include evidence which belongs to the body of your paper. This guide should give the proper instructions for writing an essay paper on Egyptian Revolution. You can also check our 20 topics and 1 sample essay on the subject as well as 10 facts for your paper by following the links.

The Duties and Responsibilities of a PFC in the US Army Essay

The Duties and Responsibilities of a PFC in the US Army - Essay Example As a threat and analysis data gatherer there is the added pressure of insuring vital information is passed to the helicopter pilots whom have the responsibility of insuring those soldiers entrusted into their care arrive safely to the allotted destination. In the insurgent ridden, volatile, desert terrain of Afghanistan this is often a challenge that will call for the use of all the training one has received, thus far, plus some. As an Intel analysis PFC solider that is currently employed in Afghanistan it is my duty to pass along information that can ultimately inform helicopter pilots about the threats they may face while flying, through the support and operation of the ground units. I will also report on the threat and terrain analysis techniques that are best employed to spot insurgents and unsafe zones. After looking at what these two jobs entail, as well as the other duties I am often given from superiors, one will have a better understanding of the duties of a PFC in the U.S. Army. There are numerous threats the helicopter pilots face while flying the Afghani terrain. One important source of help they can rely on while on mission is the ground team support. This is where my duties become vital. After several missions many pilots become immune to the sound of artillery, it can be heard so often, and in many cases it will not be directed at them. However, the ground crew’s responsibility is to watch where the shots are coming from and at whom they are directed. We then pass on any vital information we have gathered to the TOC who then report it on to the pilots. Lt. Joe Harosky, second platoon commander, was in one such situation while flying a mission in Afghanistan. He reported: â€Å"We had initially thought it wasnt directed at us or a company. So I just kept walking in a normal speed, thinking hey, the firing is on the other side of a mountaintop or ridge. After a few minutes — maybe not — maybe after a minute, five different bursts and I

Drug testing on welfare Essay Example | Topics and Well Written Essays - 500 words

Drug testing on welfare - Essay Example Most of the states, which passed this legislation, did so because of the belief that those who received welfare used it to get drugs (Davidson). The legislation was therefore, introduced to deny them the means of getting drugs, something that was thought to be commendable at the time. However, this assumption was found to be untrue, because of all the welfare applicants tested for drugs, only two percent of them tested positive. This automatically confirmed that this law was ineffective, due to the fact that its intended targets were found to be innocent of what they had  been  accused. It has now been confirmed that welfare recipients are not the majority drug users in the United States, and this makes the drug testing for welfare policy unconstitutional. The drug-testing program is an extremely expensive process for those states, which have instituted it into their welfare system. The welfare applicants are required to pay for their own tests, and if they are found to be negative, then the state has the obligation to refund them. This procedure has turned out to be extremely expensive because the majority of applicants have tested negative. The states, therefore, end up spending more than they normally would have if the program had not been put in place. Moreover, this program also has administrative costs, such as paying the staff that run it as well as for the facilities. All these costs are footed by the states, an unnecessary expense; the money would have been put in better use expanding the welfare program to cater for people who need it. These added costs to the state governments with little result have ensured ineffectiveness of this program. The  drug  testing  for  welfare  program  was  put  in  place  to  ensure  the  deterrence of people  who  have  applied  for  welfare. It was estimated that a large number of people who applied for welfare