A comparison of two productions of Romeo and Juliet Essay Example

A correlation of two creations of Romeo and Juliet Essay In the initial scene of the Baz Luhrmann film the introduction is appeared on a TV screen and is perused by a correspondent. While in the Franco Zeffirrelli film the preface is perused by a voice over. After the introduction the Luhrmann film shows Sampson and Gregory at a gas station, while they are re-fuelling the vehicle, Abra (Abraham) and Balthazar turned up likewise to re-fuel, at that point Sampson and Gregory started to insult them. Abra advised Sampson and Gregory to take out their blades (these were firearms however the brand name was blade) Tybalt showed up then a gunfight started. The scene finished with Sampson shooting a petroleum siphon and the station exploding as the two vehicles dashed off. In Zeffirrellis film they stick precisely to the content of Shakespeares play. Zeffarrellis film utilized sixteenth century outfit. The music in his film was a bit of music taken from one of Shakespeares works; the tune was eased back down for dismal parts and accelerated in cheerful parts. In Luhrmanns film the dress is present day as is the music, love melodies for tragic parts and awesome music for battle scenes and parody scenes. The camera points were totally different, Luhrmann utilized heaps of feathered creatures eye see shots, as in the burial place of Juliet where he shows the two darlings dead one next to the other. He likewise utilizes Angles in Juliets burial chamber from the eyes of Romeo. We will compose a custom exposition test on An examination of two creations of Romeo and Juliet explicitly for you for just $16.38 $13.9/page Request now We will compose a custom article test on A correlation of two creations of Romeo and Juliet explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer We will compose a custom article test on A correlation of two creations of Romeo and Juliet explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer Zeffirrelli then again utilizes exceptionally essential points yet this is presumably a result of the fundamental hardware he utilizes contrasted with the gear utilized by Luhrmann, as the film is more established. Baz Luhrmann made strain quite well. He demonstrated Romeo being pursued by the Princes specialists since he had defied the norms of his expulsion from Verona by going to visit Juliets burial chamber. It shows squad cars and helicopters pursuing him. Romeo likewise abducts a preceding he goes into the burial place to ensure he isn't shot. Zeffirrelli doesnt do this conceivably on the grounds that Romeo has just slaughtered Tybalt and should be a killer or a miscreant however delicate and delicate. Neither one of the films shows Romeo slaughtering Parise as he enters Juliets burial chamber this again is potentially to show Romeo is a saint not a killer. As Romeo strolls into the burial place of Juliet the disposition in Luhrmanns film changes rapidly, it changes from boisterous and reckless with gunfights to an exceptionally grave state of mind, the music is moderate and dismal, the lighting is blurred and as the camera shows Juliet through Romeos eyes it is obscured, I figure this could be on the grounds that Luhrmann is attempting to show Romeo as being miserable and having tears in his eyes. Luhrmann additionally shows sensational incongruity in this scene since he changes some portion of Shakespeares unique content. He makes Juliet wake not long before Romeo takes the toxic substance. Juliet starts to mix and as she is doing this Romeo is turning away from her. When Romeo takes the toxic substance he glances back at Juliet, she is conscious and puts her arms around him however it is past the point of no return he has gulped the toxin. Despite the fact that I realized that the two of them bite the dust at long last I despite everything thought Dont kick the bucket, you cannot pass on!!! furthermore, as Juliet wakes and Romeo is glancing in the contrary area you need Romeo to pivot and see Juliet, before he takes the toxic substance, however clearly he doesnt. In the Franco Zeffirrelli film it shows Romeo going from Mantua, however there is no pursuing by specialists. It just shows Romeo going into the burial chamber, he shows the burial chamber as having loads of bodies, perhaps all Capulets. First Romeo sees Juliet yet then observes Tybalt laid next to her. Zeffirrelli just shows things that occur in Shakespeares content. He utilizes no exceptional camera edges, just keeps it basic however it functions admirably and makes it increasingly appropriate for more seasoned individuals. Baz Luhrmann changes the content and makes it progressively appropriate for present day young people due its large and reckless set-up. I for one incline toward the Luhrmann film since it has more activity and amusingness than the Zeffirrelli film. You could comprehend the film more the on-screen characters got into their characters more and the embellishments were greatly improved.

The Wallace Group Case Study Problems and Solutions Essay Example

The Wallace Group Case Study: Problems and Solutions Paper The Wallace Group has kept up, for a long while, Mr.. Wallace as leader of each of the companys substances. This, be that as it may, is prompting a few issues. With Mr.. Wallace accountable for all activities he dismissed issues and goals. It is important to bring into play a key administration plan. With a vital administration plan the organization will utilize the Input and pledge to bring down level administration (Wheeled et al, 2004). The top administration will be answerable for shaping gatherings of groups that will give adornment plans to the organization, for example, money related arranging, and figure based budgetary arranging, V-Rutherford these groups can actualize and assess issues. In conclusion, these groups can persistently take a shot at various situations consistently and issue comprehend as necessities emerge, differentiated to the out-dated multi year plan. The Wallace bunch needs to reformat their corporate sweater too. The corporate system presently set up is one that is futile to the development Of the organization. So as to keep up a toehold in any of the three enterprises, hardware, plastics, and synthetic substances, The Wallace Group must start by re-assigning presidents and tight clamp leaders of the individual elements utilizing a progression procedure. As of now, Mr.. Wallace is leader Of every one of the three elements. On the off chance that change will happen, Mr.. Wallace needs to acquire new Presidents for every one of these organizations. Mr.. Wallace can, in the event that he so satisfies, keep up Presidency of one of the three organizations. In any case, for development purposes he ought to permit new, youthful blood to take the situation of President of the staying two organizations to push the organizations ahead. We will compose a custom exposition test on The Wallace Group Case Study: Problems and Solutions explicitly for you for just $16.38 $13.9/page Request now We will compose a custom paper test on The Wallace Group Case Study: Problems and Solutions explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer We will compose a custom exposition test on The Wallace Group Case Study: Problems and Solutions explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer Mr.. Wallace may keep up a title of Chairman, in this manner not surrendering any force or relinquishing any of his offers. When new presidents are found, and they have a ground breaking disposition, the organization should start to see development. Be that as it may, the issues don't end here. Another issue confronting The Wallace Group is their need to assess current execution results. As per a letter to the investors, the profits are not exactly the year earlier, which were not exactly the year preceding that. It is dubious what the profits were this year, yet the profits were . 5 a year ago and . 25 two years back, which implies that the profits are on a decay. The Wallace Group needs to start creating more benefits by, as recently expressed, assessing their exhibition results. Questions, for example, What would we be able to do to reduce back expenses? what's more, how might we revamp our corporate staff in every one of the three substances? Will enable the organization to start forward development? In conclusion, another issue The Wallace Group needs to address is the vital vision. By and by, there is a disposition to torpidity and float inside The Wallace Group Wheeled et a, 2004), If The Wallace Group wishes to lift this tiredness from the organization, it needs to build up an arrangement that assists workers with feeling practiced and significant. Top Management needs to extend a sentiment of enthusiasm onto the individuals from their gatherings. With the board propelled and enthusiastic, the workers will turn into the equivalent. Fifth Wallace Group is Happy to place these terms enthusiastically a pivot should start. Mr.. Wallace will be very satisfied striking the organization development and representative energy.

Pew Reports Dangers of Virginia Payday Loans and Title Loans - OppLoans

Pew Reports Dangers of Virginia Payday Loans and Title Loans - OppLoans Pew Reports Dangers of Virginia Payday Loans and Title Loans Pew Reports Dangers of Virginia Payday Loans and Title LoansInside Subprime: October 17, 2019By Lindsay FrankelA new report from Pew Charitable Trusts revealed that Virginia payday loans and title loans are some of the most harmful in the country for borrowers. These types of credit cost Virginians up to three times more than in other states.  Borrowers can get payday and title loans without a credit check, which makes them appealing to people with bad credit or no credit history. But these borrowers are often some of the most vulnerable to enduring financial harm from high interest and fees; payday lenders disproportionately impact low-income people, minorities, military members, seniors, and people with disabilities.And payday loans aren’t used only for emergencies or only on a one-time basis. 69 percent of Americans use these risky loans for regular expenses like rent and food, and the average borrower stays in debt five months out of the year.Hundreds of thousands of Virginians use payday loans without the protection of robust regulations. Borrowers pay an average of 251 percent APR on Virginia payday loans.In some ways, title loans are an even bigger problem for Virginians. Because it costs $2,700 on average to pay back a $1,116 title loan, many cash-strapped borrowers struggle to meet their payments. And since borrowers give up the titles of their cars as collateral, going into default leads to repossession. One in eight Virginia title loan borrowers have their cars repossessed each year. That’s one of the highest rates in the nation. And lenders sell 79 percent of those vehicles when borrowers don’t have the money to reclaim them. But while borrowers are suffering from loss of transportation, making it difficult for them to work and earn income, title loan companies are flourishing. There has been a 130 percent increase in the number of title loan storefronts since 2010.Pew also pointed out that more modern regulations would encourage low-cost lend ers to operate in the state and increase competition, all while creating more affordable financial products for Virginians in need.Learn more about payday loans, scams, and cash advances by checking out our city and state financial guides, including Virginia, Ohio, Chicago, Illinois, Florida, Texas, and more.Visit OppLoans on YouTube | Facebook | Twitter | LinkedIn

Vegetarian diet Benefits, risks, and tips - Free Essay Example

Sample details Pages: 2 Words: 565 Downloads: 5 Date added: 2019/06/24 Category Health Essay Level High school Tags: Vegetarian Essay Did you like this example? About 7.3 million people in the world today are vegetarian. Many people become vegetarian to prevent cancer, change their health, and to live longer. Some people also become vegetarian because their love for animals and strong opinion to not eat them or have someone hurt them to become food. Don’t waste time! Our writers will create an original "Vegetarian diet: Benefits, risks, and tips" essay for you Create order Becoming vegetarian has positive effects like cancer prevention. In Why go Veggie it states, Regularly consuming a diet that contains fruits and vegetables is strongly associated with a reduced risk of some cancers. Red meat and processed meat consumption can be harmful to the body and cause cancer, therefore eating vegetables and fruits is good for the body to prevent certain cancers. Another positive effect of being vegetarian is many people like to change their health and keep off weight. An average Americans diet is highly saturated in fats and processed meat and low in plant based meals, while a vegetarians diet involves more with consuming things that are good for you like vitamin C and E, dietary fiber, potassium, along with beneficial plant chemicals. Vegetarians do not consume unhealthy fats and processed meat which makes it healthier when coming to which diet consumes more fats. There has been studies which have proven being a vegetarian will help you live longer. Why go V eg also states animal products clog your arteries, zap your energy and slow down your immune system. Many things vegetarians eat as part of their diet is full of riched fiber and antioxidants which strengthens the immune system which is beneficial when you become older and your immune system has to work harder to fight off germs, according to the article Why go Veggie. Becoming vegetarian will help prevent cancer, change health status and help strengthen your immune system so you can live longer. Having a vegetarian diet also has some negative effects on your body. A vegetarian diet is not always good for your body. It may help prevent certain things and strengthen your immune system but it also limits you to some of the nutrients and protein meat gives you and it can become unhealthy. Many american diets are unhealthy because of the amount of fat in the meal, but the meal reaches all the right amount of nutrients and protein our body needs. Steak and fish according to the article 8 Proven Reasons Why Vegan and Vegetarian Diets Easily Ruin Your Body, has the most protein. Most vegetarians do not eat steak and fish. Vegetarians have to find a way to replace the protein that they are missing out on which can then lead to protein deficiency which then leads to fatty liver, hair, skin and nail issues, poor recovery and growth, weakened immune system and loss of muscle and bone density. A vegetarians main source of protein is milk and eggs, these both give the body decent amounts of protein but does not make up for the amount of protein you are los ing from not eating meat. Vegetarians are not only missing out of protein consumption they are not consuming the right amount of zinc and iron. A meat eater and vegetarian consume the same amount of iron but a meat eater can more easily absorbed. Phytic acid in plant based foods, grains and beans reduce the amount of zinc absorbed. Becoming vegetarian has its perks but you can not forget about the negative effects it can have on your body.

Why Physical Education should not be Compulsory - Free Essay Example

Sample details Pages: 4 Words: 1247 Downloads: 5 Date added: 2019/10/10 Did you like this example? ‘To all Members, I take this opportunity to thank you for attending this important forum.   Today we are glad to celebrate our annual meeting. My main agenda at this podium is to address the issue on why it’s no longer necessary to have physical education in our curriculum. As we all know physical activities improve the human body conditions and even boost the body immunity system. This happens especially when one conduct such activities under the instructions of a trained sport expert who got experience on what benefits one get after training a particular body part, moreover physical activities aids in enhancing body metabolism system which burn fats and cholesterol in bodies making our bodies to be physically fit and healthy. Physical Education has so far being introduced to many schools as either a compulsory or an optional subject. Most schools in the entire globe have got physical education classes either at an advanced level or at basic level. Such programs are designed at the ministry level and curriculamme is distributed to teaching institutions and administered by professional teachers who took specialty in similar courses during their training. Don’t waste time! Our writers will create an original "Why Physical Education should not be Compulsory?" essay for you Create order Since time in memorial physical education have being taught in many schools and in some schools it’s more of fun and sports, while in other schools it’s a compulsory subject. It is one of those subjects that are crucial when it comes to designing any school curriculum. More than often the course is run for two to three days in any given school timetable or rather the teaching schedule. There are more of practical’s learnt as compared to theory lessons. The big question is should this subject be made compulsory? What disadvantages does it have to offer? Is it possible for parents and children to be allowed to make decisions on whether to enroll for this particular class? How has it being made a compulsory unit across the globe? No, it should not be compulsory Many are nations around the globe which have left it optional amongst scholars and the good thing is that both those who are in it and even those out of it are healthier, so being a student for this program doesn’t warrant good health amongst scholars. In some schools physical education is taught in lower grades as it used to keep student busy while in upper classes it is used to relieve student boredom from academic related activities, therefore you find that in most schools the programme is not strictly followed and hence not examinable. More than often student not interested in physical activities are found sitted in groups sharing stories and others are busy doing other activities which seem beneficial to them. To majority of the students since the course is not examinable they find it as time wastage and they would rather do activities that will directly improves their grades such as attending the library and doing assignment. Most of this physical education content includes active exercises, games and sports which at times exposes the body to many more injuries which are avoidable in case one is not enrolled for such particular courses, for instance when students are out there playing one can break his or her arm, leg, neck and the list is endless, such injuries will be a huge loss especially when a student have to spend a whole semester at home or at the hospital nursing injuries, while else this time would be utilized effectively in doing studies which will be evaluated after a particular course duration.   So to many schools and nations having this kind of an exposure to injuries is an enough reason on why it should not be made compulsory. Those students who seem to be weak physically may not be in a position to compete fairly with their counter parts who are physically strong and this can lead to them getting profiled out of their performance and at the end of it all bring in demoralization. Mostly you find that boys will play with other boys and girls will play with other girls this alone brings in gender division since girls have their own games and boys have their own, if a boy steps in the field with girls he will be profiled to be girlish and vice versa this in itself discourages boys to work with girls even when they get back to class work.   So you find that in one school one gender is doing better as compared to the rest. Even in gender specific sports you will experience discrimination as in those that come from one race are excluded from the rest, if let say a girl or a boy is genetically blessed with a big body size he will be profiled to be fat and this really affects their self-esteem. Additionally during this kind of a session those who are strong can actually bully those who are weak making them hate their school life which will ultimately affects their grades. Especially for those students who are academically oriented, they may be bullied by their fellows who seem to perform well in physical educations as compared to other subjects being offered in schools. Such form of bullying may be extreme and lead to some student hurting others physically, emotionally with their actions and this may increase school dropout cases and even extra budget to parents who are forced to move their students from one school to another unexpectedly. At times physical education may not be favorable for physically challenged students due to their physical inabilities they might seem to be less interested in such activities and therefore are left feeling sidelined; this will affect their self-esteem and eventually making them perform poorly in school. Additionally for physically challenged students involving them in physical education might add pain to their ailing bodies if at all the kind of instructions given is strenuous. On other hand if that student is given time and resources to do other favorable activities they will be more productive and happier in their school life since they are only required to do what they are capable of doing. Compulsory physical education classes do limit one from choosing what he really wants to utilize his time on. Some people have no interest in physical activities and they only maintain the basic form of physical fitness such as walking around, doing household chores for instance cooking and washing detergents. At times its believed that physical education can assist in identifying talents among young scholars, which can be developed to careers but to be sincere out of a thousand advertised jobs you will find that only one or close to nil is sport oriented vacancy and this one makes it almost negligible in the job market. In conclusion, what i believe is that physical education is necessary and especially to our school going kids, since it’s in that exercise that they get to develop their bodies and get to socialize but in a nut shell it’s not the only means they can achieve healthy bodies and get to socialize such activities can be done during free time and even far away from time, so let’s utilize the little time for school to whatever is examinable and whatever suits everyone despite their physical inabilities. I want to give this chance to whoever may have a question, if there is none I would like to hand over the microphone to the master of ceremony, Thank you†

The Graphic Memoir Persepolis by Marjane Satrapi - 546 Words

It did not take me very long to get through the graphic memoir, Persepolis not only because it is a sort of comic book, but because I could not put it down. I chose to read the interview between Robert Root and Marjane Satrapi instead of the TED talk because I love the raw dialogue between the two. Through this interview, Satrapi’s strong independence and blunt words ring through loud and clear just as her character in Persepolis. I find her honesty very refreshing, â€Å"I have always said, even verbally, orally, that I was nasty. I am very much a fan of imperfection, actually. This idea of perfection-I think really, it’s the beginning of the fascism, this idea of perfection†. The woman being interview is very much the young girl that hit her principal then said, oopsy, â€Å"I didn’t mean it!† I can honestly say, that this graphic memoir opened my eyes to the female perspective in Iran during the time of the Shah to the revolution and beyond. Before reading Persepolis, I had a single worldview of the Middle East. I thought that women would be treated the same way in most countries-as unequal to a man as it can get. I pictured women unable to have respectable jobs and never being able to show much more skin than their hands and face. When Satrapi says, â€Å"The basic culture is not that the woman is nothing—Iran is not Saudi Arabia—the women, they are educated, they are cultivated, they work. You have women that are judges, they are doctors, they are journalists, they work.Show MoreRelatedPoint Of View In Persepolis By Marjane Satrapi1498 Words   |  6 Pagescharacter development and the emotional impact of a piece of writing. Marjane Satrapi utilizes the impact that point of view has in her graphic novel Persepolis. The story, which is written as a memoir, includes Marjane herself in the images, which makes the text seem to be told from more of a limited third person point of view, while the narration of the story is told in the first person. By including herself in the images, Satrapi is better able to explain to the reader exactly what she went throughRead MorePersepolis: A Script on the Iran War Essay930 Words   |  4 Pages Persepolis is a graphic memoir of Marjane Satrapi. The book has received multiple accolades and citations for its realistic and well-written script as well as its commitment against totalitarianism. Satrapi writes (and draws) of her life during the war between Iran and Iraq. It has both literal and symbolic meanings hidden among the drawings, as it also shows the hardships she faced in other countries and even, at times, in her home country of Iran. It helps to show the past and somewhat presentRead MoreMarjane Satrapi s Persepolis 1646 Words   |  7 Pages Marjane Satrapi’s graphic no vel Persepolis is an expressive memoir of her growing up in Iran during the Islamic Revolution, the fall of the Shah’s regime and the Iran-Iraq War. Unlike conventional memoirs, she uses the black-and-white comic book form to find her identity through politics and her personal experiences in Iran and it has become effective and relevant in today’s society because she is a normal person that has had to live through extreme circumstances. Marjane has contributed to a wholeRead MoreAnalysis Of Khaled Hosseini s A Thousand Splendid Suns 1657 Words   |  7 PagesHosseini and Marjane Satrapi know that there is more to the Middle East than terrorism. Khaled Hosseini demonstrates his understanding of Afghanistan through Mariam’s and Laila’s lives in A Thousand Splendid Suns. Hosseini begins their tale during the Soviet Invasion of Afghanistan in the 1970’s and ties it off during the post-Taliban reconstruction of the early 2000’s. Hosseini himsel f was born in Kabul, Afghanistan and is a U.S. envoy to the United Nations Refugee Agency (UNHCR). Marjane Satrapi demonstratesRead MoreMarjane Satrapi s Depictions Of How She Lost Her Innocence1613 Words   |  7 Pages Marjane Satrapi’s Depictions of How She Lost Her Innocence Persepolis by Marjane Satrapi is a graphic memoir in which she shares her experiences growing up in Iran through her illustrations and captions. The majority of the memoir consists of Satrapi s childhood being spent observing the overthrowing of the Shah’s regime, the triumph of the Islamic Revolution, and the disastrous effects of the war with Iraq. She later spends her years in Vienna, but eventually, returns to her homeland as an adultRead MorePersepolis Reflection Paper1578 Words   |  7 Pagesregarding Persepolis by Marjane Satrapi the class discussed many topics. As a group, we began by talking about the genre of the graphic novel. The artistic style and technique used by Satrapi was addressed specifically. I mentioned that I appreciated the mono color, by using black and white it effected the readers by making the text more serious. Another comment was added; the use of minimal color was effective. Another main topic discussed was the characterization of Marjane Sat rapi. One classmateRead MoreWhy Marjane Satrapi Graphic Form1803 Words   |  8 PagesWhy Marjane Satrapi chose to tell her story Persepolis in the graphic form The graphic novel Persepolis by Marjane Satrapi was written in the graphic medium to appeal to a wider audience. Literary critic, Manuela Constantino, proposes that â€Å"the combination of a visual representation and a child’s point of view makes the story easily accessible and therefore attracts a wide range of readers.† (Constantino, 2008: 2) Another plausible reason for Satrapis choice to do the novel in this medium is theRead More Marjane Satrapis Persepolis3668 Words   |  15 Pagesthe sudden transition. As a member of the Iranian diaspora, Marjane Satrapi endured many hardships in her efforts to transition from Middle Eastern culture to a more modernist Western culture. Her series of graphic novel memoirs, Persepolis, depict her childhood growing up in Iran during both the Islamic Revolution and the Iran- Iraq War, and moving to Austria as one of many emigrants of Iran at the time. Marjane Satrapis memoir is just one example of an exile bearing the burden of memoryRead MorePersepolis : An Autobiographical Graphic Novel987 Words   |  4 PagesPersepolis is an autobiographical graphic novel by Iranian born author Marjane Satrapi. It is the story of her life leading up to, and during the Iranian revolution. In the novel, Satrapi quickly addresses an existential question, that of world justice. Even at the young age of six, she puts forward the notion that she would become a prophet, which is her way of countering the injustices that she sees as inherent in her world. This particular question is one that has stymied mankind from the beginningRead MoreAnalysis Of Marjane Satrapi s Persepolis Essay1300 Words   |  6 Pagesare not the villains the media shows. There are people in Iran that believe we have irrational thoughts about their country, and believe their country is not what we think it is. In Persepolis, Marjane Satrapi discusses life in Iran because she wants people to know that there are good people living in it. Satrapi feels her entire nation should not be viewed solely on the fact of its past extreme actions. She feels like since she was a child other countries deem the whole Iranian population as terrorists

Business Communication Oil and Gas Industry

Question: Discuss about the Business Communication Oil and Gas Industry. Answer: Introduction: In the overall business history, the joint venture of Caltex Petroleum is recognized as one of the major and most flourishing business accord. The venture took place in 1936 as a combination of two entities i.e. Texaco, Inc. and Chevron Corporation. The company deals in oil and gas sector. It markets an extensive range of convenience and petroleum products. It holds around 526 terminals and ocean depots, two lubricant refineries, six grease plants and 14 fuel refineries. In around twenty two countries the company supplies its services at 103 saltwater ports and 38 airports by offering the finest fueling services. The company holds thousand of gas stations and branded retail channels. Caltex has developed its significant presence in countries like the Middle East, China, East Asia, South Africa and East Africa. It is one and the only petroleum company which has business in all the primary Asian markets. The company possesses a workforce of around 3700 employees who own trained skills and efficient working competencies. The headquarters of the company are situated in Sydney. Overview of the business industry (Source: Austrade, n.d.) The gas and oil industry of Australia is one of the major contributors to the countrys economy, in which particularly the gas and coal plays a significant part. Australia itself is a net importer of oil, in the OECD i.e. Organization for Economic Cooperation and Development, Australia is one of the three nations which export hydrocarbon. As per the KPMG, the energy, gas and oil are the prominent contributors for the development of the Australian economy. And this is the reason for which the country is investing heavily in this sector from last few decades and will going to continue with the same as the demand for the energy is increasing with the increase in the population. However the oil and gas industry is the vital asset for the country as there are present several unexploited and unexplored gas and oil reserves in the country (Michael Bailey Associates, 2015). Characteristics of the industry The oil and gas industry of Australia holds number of strengths as its characteristics such as innovation, the Australian gas and oil companies are recognized revolutionary innovations which comprises of floating production systems, expertise engineering capabilities. Secondly the characteristic the industry possesses is environment controls, remote and safety operations, the Australian oil and gas industry holds excellence in the research and developments sector and through this it provides several updated technologies and new solutions in its working. This gives the industry long term sustainability as an outcome (Austrade, n.d.). Organizational performance Caltex financial results depict its business performance in an adequate way. For the year 2015, the company has attained an after tax revenue or profit of $522 million on a statutory as well as includes revenue on significant items of around $29 million after tax. As compared with the last year, the sales volume of 2015 was lesser by 5% which reflects the extremely competitive business markets (Caltex, 2016). Communication Management For energizing the employee communications at the workplace, the company takes use of online tools. For having better communication, Caltex retired its email solution of Lotus Notes and modify its mailboxes to the Microsoft Exchange Online from the Lotus notes. This helps the company in attaining a flexible contribution of the email services developed in data centers of Microsoft. Through this the employees can take benefit of browser-based admittance to the email through the use of Microsoft Outlook Web Access and can also utilize the well-known Microsoft Outlook messaging. The online tools provide various benefits such as simplified transition, reduced IT costs, empowering of the IT department, increased employee satisfaction and improved mobility and productivity (Kloud, n.d.) The communication of Caltex with the investors is an open communication. The company offers investors with admittance of information so that there can be adequate and informed assessment of the companys future prospects and performance. The company offers the investors with timely and equal access to the information which is price sensitive as well as incorporates practices which can help in preventing the discriminatory disclosure of considerably price sensitive information and thus treat all the investors on a fair and equal basis. The company uses various electronic means for effectively communicating with the investors such as it take use of facsimile, mail, investor meetings, briefings, presentations, site visits, telephone, conference calls, webcast, email, website as well as the company maintains an enthusiastic investor relations resource for having an efficient two-way communication with all the investors (Caltex Australia Limited, 2014) The efficiency of the organization can be seen as the company has received the Merit Award for its effective communication management. The company is at a higher hand in fulfilling the corporate social responsibilities. The communication with customers can be seen through these CSR activities. Caltex has achieved facilitation for its programs for CSR. The company has won Silver Award in Avil for the year 2015and has also attained 5th Amcham CSR Excellence Award in the education category (SwirlingOverCoffee, 2016). This is how the company developed finest communication practices with the customers. Public perception of the Organization The public perception of Caltex is analyzed as strong enough as the company takes various initiatives on a continuous basis to provide the community a better place to work and live. The beliefs and core values are also very robust as the company highly takes care of the employees regarding their health and safety at the workplace and sites. Provide additional training to perform adequately with proper fitness and taking uses of the tools. The company also provides diversity in the work and a great commitment towards inclusion. Caltex strongly oppose any kind of activity related to bullying, harassment and discrimination at the workplace (Caltex, 2016). There are initiatives of the company which provides additional benefits to the women so that they can work effectively by managing their other responsibilities too (Womensagenda, 2016). References Austrade, n.d. Oil and Gas, Australian Government, Australian Trade Commission, Pp31. Accessed on: 21st September, 2016, Accessed from: https://www.google.co.in/url?sa=trct=jq=esrc=ssource=webcd=3ved=0ahUKEwjemu_Y8J_PAhVGLmMKHb8ID7YQFgg1MAIurl=http%3A%2F%2Fwww.austrade.gov.au%2Farticledocuments%2F2814%2Foil-and-gas-icr.pdf.aspxusg=AFQjCNF9JtXRg2x0HL5CXuIvd8i3OIde0wcad=rja Caltex Australia Limited, 2014. Shareholder Communication Policy, Pp.5. Accessed on: 21st September, 2016, Accessed from: https://www.google.co.in/url?sa=trct=jq=esrc=ssource=webcd=4ved=0ahUKEwjJ4L3l3p_PAhUEaT4KHeuKA8QQFgguMAMurl=https%3A%2F%2Fwww.caltex.com.au%2F-%2Fmedia%2Fdocuments%2Fcaltex%2Fcorporate-governance%2Fcaltex-shareholder-communications-policy.ashx%3Fla%3Denusg=AFQjCNHPCaMhNU-mtkdgi0uvO6Os_JO-Lwcad=rja Caltex, 2016. Annual reports, 2015 Annual Review, Accessed on: 21st September, 2016, Accessed from: https://www.caltex.com.au/our-company/investor-centre/annual-reports-and-reviews Caltex, 2016. Code of Conduct, Pp.37, Accessed on: 21st September, 2016, Accessed from: https://www.google.co.in/url?sa=trct=jq=esrc=ssource=webcd=1ved=0ahUKEwi0lISSh6DPAhUHS2MKHVNcCBQQFggdMAAurl=https%3A%2F%2Fwww.caltex.com.au%2F-%2Fmedia%2Fdocuments%2Fcaltex%2Fcorporate-governance%2Fcaltex-code-of-conduct2016.ashx%3Fla%3Denusg=AFQjCNGp9Dw-QtsI7p5bhDa0Rqb6cgWKzgcad=rja Caltex, 2016. Solutions driving Australian businesses, Accessed on: 21st September, 2016, Accessed from: https://www.caltex.com.au/ Kloud, n.d. Caltex Uses Online Tools to Energise Employee Communications, Drive Mobility Online Tools, Accessed on: 21st September, 2016, Accessed from: https://www.kloud.com.au/case-study/caltex-office-365-project/ Michael Bailey Associates, 2015. Australia's Oil Gas industry: An overview, Accessed on: 21st September, 2016, Accessed from: https://www.michaelbaileyassociates.com/news/australia/australias-oil-and-gas-industry-an-overview SwirlingOverCoffee, 2016. Caltex Fuel Your School bags 3rd award for the year, adds IABCs Quill to rare grand slam feat, Accessed on: 21st September, 2016, Accessed from: https://plus.google.com/+Swirlingovercoffee/posts/VoXi6Q2tRWd Womensagenda, 2016. About the Company, Accessed on: 21st September, 2016, Accessed from: https://www.womensagenda.com.au/select-employer/item/3388-caltex-australia

Sibling Relations and Subsequent Characteristic Traits

The loss of parents has devastating effects on the lives of the children. Suddenly, the children have to learn to exist without the comfort and sense of re-assurance that parents tend to give to their children – whether young or old.Advertising We will write a custom research paper sample on Sibling Relations and Subsequent Characteristic Traits specifically for you for only $16.05 $11/page Learn More The absence of parents makes the children relate to each other in a different manner. In most cases, the elder siblings tend to take up the parental role; however, unprepared they are, and the subsequent relations between the elder and younger siblings often bring out certain character traits and qualities in them as individuals. The relationship between siblings whose parents are absent due to death or other factors and the subsequent life struggles the siblings endure, frequently bring out certain qualities and characteristics in them. Mostly, the elder siblings develop a responsible, tough, and unselfish personality, while the younger siblings often become dependent and irresponsible; all siblings, however, acquire sacrificial qualities in the end. In the absence of parents due to death or other factors, elder siblings conventionally have to step in and play the parental role, making these elder siblings become responsible and focused individuals. Inevitably, many elder siblings are suddenly faced with the responsibility of taking care of their younger siblings, filling in the void left by the absent parents. Many of the actions of the elder siblings are geared towards providing a sense of emotional and situational balance for the younger siblings, who are more heavily affected by the absence of the parents (Dunn 788). In most cases, the elder siblings, as a result, become highly responsible and focused individuals. In the instance where the age gap between the eldest siblings and the younger one(s) is significant, the elde r sibling often becomes a veritable parent to the younger siblings. If the eldest sibling is involved in any income-earning activity, he or she will be the breadwinner for the younger siblings as expected, and will have to accommodate the needs of the younger siblings in all the plans he or she makes. Out of the relationship between the elder sibling and the younger siblings, in which the elder sibling has to play the ‘parent’ role, a keen sense of responsibility develops in the elder siblings. The elder sibling, regardless of age, has to become the guardian to the younger siblings, and such a responsibility creates a responsible character in the elder siblings.Advertising Looking for research paper on psychology? Let's see if we can help you! Get your first paper with 15% OFF Learn More The elder siblings often have to endure more hardships and have to forfeit their own leisure, freedom, and feelings of hurt and abandonment from the absence of parents for the sake of the younger siblings. The elder siblings thus become tough and almost emotionally inexpressive due to this. Because the pain from parental loss is indiscriminate, it affects, hurts, and leaves the older siblings scared and abandoned in the same manner it does the younger siblings. However, the older siblings are not given the opportunity to grieve or express these emotions because they immediately have to fill in the physical and emotional gap left in the family due to the death of parents. Because the elder siblings have to be emotionally strong for the younger siblings, they perfect the art of hiding their feelings. Moreover, given that the elder siblings are expected to be the role model and a source of refuge for the younger siblings when life for these younger siblings gets a bit tough, the elder siblings do not get a chance to ‘wear their hearts on their sleeves’. Even when the occasion calls for a bit of emotional expressiveness, the elder siblings w ill frequently tend to feign a sense of indifference to the situation, so that the younger siblings can get the chance to vent their anger and express their emotions. According to Schlomer et al, whenever the family is in a crisis, the siblings turn to each other for emotional support†¦crises like divorce, parental separation, terminal illnesses in a parent, or death of a parent push the siblings to turn to each other (290). If the sibling age difference is substantial, the elder sibling has to be emotionally competent for the younger sibling(s). Therefore, in most cases, the elder siblings do not usually get the personal opportunity to express their feelings, and thus become emotionally inexpressive and find it harder to express their feelings freely. Additionally, younger siblings are likely to exploit the abundant kindness shown to them by their elder siblings, thereby developing carefree attitudes and cultivating a culture of being irresponsible. The benefits of having stro ng sibling relations, however, tend to be exploited by the younger siblings sometimes. According to Kramer and Conger, modeling is not the only way that younger siblings learn from their elder siblings. Even though younger siblings tend to endeavor to emulate the behavior of the elder siblings, the reverse is also true (4). The influence of peers on the younger siblings tends to be stronger than that of the model elder sibling. Therefore, if the younger sibling does not share mutual friends with the elder sibling, then the influence of the younger sibling’s friends overrides that of the elder siblings in most cases.Advertising We will write a custom research paper sample on Sibling Relations and Subsequent Characteristic Traits specifically for you for only $16.05 $11/page Learn More Subsequently, as the responsible elder siblings endeavor to make the life of the younger sibling better, the younger siblings sometimes take advantage and exploit th is kindness for their own selfish ends. Kramer and Conger, for instance, state that the younger siblings are more likely to drop out of school due to early pregnancies or substance abuse whilst cohabiting with the elder sibling. Furthermore, when the elder sibling sets standards in life and educational achievement that the younger sibling may find impossible to emulate, the younger sibling channels these frustrations into self-harmful habits such as drug abuse and become more susceptible to negative peer influence (6). As a result, the younger siblings develop a careless approach to life issues and become irresponsible. Elder siblings, for the sake of their younger siblings, often plan their individual lives to fit to the needs of their younger siblings. The elder siblings thus develop unselfish characteristics. The relationship amongst siblings involves many dynamics. There is a direct relationship between how the younger sibling eventually makes his or her life choices in adulthoo d. Such relationship also exists in the influence of the elder sibling on the younger sibling’s life. Gerbert states that, when the elder sibling is supportive of the younger sibling(s), the younger siblings turn out to be more competent than a child who does not receive the emotional, social, and material support of an elder sibling (1389). Such a positive influence by the elder sibling indicates an unselfish characteristic. Oftentimes, hardships endured together strengthen the relationship between siblings; they are more adjusted to life’s common hardships, and such siblings are able to sacrifice their individual desires, dreams, and hopes for the sake of their siblings. These siblings thus mutually develop sacrificial attitudes and characters. The loss of parents, especially in childhood leaves the siblings little option but to draw strength from each other as they grow up. According to Mack, siblings who lose their parents when they are young tend to have stronger adult relationships than siblings who lose their parents as adults (145).Advertising Looking for research paper on psychology? Let's see if we can help you! Get your first paper with 15% OFF Learn More As they grow older, these siblings learn to draw strength and inspiration from each other, and the realization that they have only each other for support buttresses these relationships. For instance, the shared struggles between the two brothers, the narrator and Sonny, eventually strengthen their relationship. Having overcome their initial relations, the two brothers in â€Å"Sonny’s Blues† get to appreciate each other’s exclusive dreams and desires in life. Therefore, the loss of parents has the effect of strengthening sibling relations overall, especially if the loss occurs when the children are young. These siblings, in most cases, are thus able and willing to sacrifice for each other and thus acquire a sacrificial character especially towards each other and those close to them. In Conclusion, how siblings relate to each other, especially in the absence of parents, functions to bring out certain characteristics and personalities in the siblings in most cases . The sudden departure of a parent from the family scene has a significant effect on the immediate and future well-being of the children. Most of the time, the children have to make emotional, moral, social and even economic re-adjustments to their lives. All these re-adjustments make the siblings turn to each other for support and re-assurance and such a relationship brings out certain qualities in the siblings. The elder siblings tend to be responsible, emotionally mature, and altruistic, while the younger siblings tend to be irresponsible. Both of them eventually do develop a mutual respect and love for each other, based on shared difficult life experiences as siblings whose parents are absent. Works Cited Dunn, Judy. â€Å"Sibling Relationships in Early Childhood.† Child Development 54.4 (1983): 787-811. Gerbert, Haselager. â€Å"Perceived support in sibling relationships and adolescent adjustment.† Journal of Child Psychology Psychiatry 45.8 (2004): 1385-1396. Kr amer, Laurie, and Katherine J. Conger. â€Å"What we learn from our sisters and brothers: For better or for worse.† New Directions for Child Adolescent Development 2009.126 (2009): 1-12. Mack, Kristin. â€Å"The effects of early parental death on sibling relationships in later life.† Omega: Journal of Death Dying 49.2 (2004): 131-148. Schlomer, Gabriel, Bruce Ellis, and Judy Garber. â€Å"Mother–Child Conflict and Sibling Relatedness: A Test of Hypotheses from Parent–Offspring Conflict Theory.† Journal of Research on Adolescence 20.2 (2010): 287-306. This research paper on Sibling Relations and Subsequent Characteristic Traits was written and submitted by user August Cain to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

The Age of Hyperspecialization

The Age of Hyperspecialization In their article, Thomas Malone, Robert Laubacher and Tammy Johns discuss such a concept as hyperspecialization. This term can be defined as breaking or decomposing the work that is usually performed by a single person into separate elements or pieces. Moreover, these pieces should be done by two or more people.Advertising We will write a custom report sample on The Age of Hyperspecialization specifically for you for only $16.05 $11/page Learn More The authors believe that this approach can greatly increase the performance of many businesses. In my opinion, this question is very important nowadays when business administrators try to find ways of raising the productivity of their firms, especially manufacturers. Moreover, this question can have significant implications for employees who want to find work that suits their interests or expertise. The discussion presented by the scholars is based on the model of comparative advantage that originates from the ide as of Adam Smith. This theoretical model implies that individuals and groups are more likely to succeed, if they are engaged in the activities in which they are most skilled. Furthermore, the authors rely on such a concept as the division of labor which means that by dividing the manufacturing process into several short tasks that should be completed by several workers. From their standpoint, the principles of labor division can be applied to many modern companies in which employees do not have an opportunity to display their expertise. These are the main arguments that the scholars put forward and they should not be neglected by managers and executives. One should take into consideration that the authors of this article do not claim that their idea of hyperspecialization is entirely innovative. As it has been said before, they recognize the influence of Adam Smith on their discussion. Nevertheless, they want to show that many firms can benefit from hyperspecialization. This issue i s particularly relevant at the time when information technologies have become extremely sophisticated. Business administrators can do it by enabling workers to do the jobs that they can do best. They justify their recommendation by investigating the use of this method by different firms. The authors rely mostly on the qualitative information collected from several companies. Their research technique can be described as a case study. The scholars paid close attention to the opinions of managers who applied the principles of hyperspecialization. Furthermore, they examined the views of clients who used the services of companies in which the principles of hyperspecialization were fully implemented. This approach enabled them to look at this issue from different perspectives.Advertising Looking for report on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More One should keep in mind that the researchers did not carry out statistical tests which could confirm the relationship between the productivity of a firm and the manufacturing technique that this organization adopted. Moreover, their sample of companies was very limited. This is the main limitation of this research article. Certainly, this drawback does not completely undermine the arguments of the authors. However, it indicates that the findings of these scholars cannot be generalized. On the whole, the findings presented in the article suggest that hyperspecialization can improve the operational efficiency of businesses because it enables people to focus on those tasks in which they are most competent. Nevertheless, the scholars acknowledge the drawbacks of this strategy since it can result in the lack of coordination, disappearance of many jobs, and increased supervision of workers. Nevertheless, despite these risks, hyperspecialization can be viewed as one of the techniques that can increase the productivity of many companies.

Chapter Analysis Theistic Realism Essay Example | Topics and Well Written Essays - 500 words

Chapter Analysis Theistic Realism - Essay Example The term ‘theistic realism’ was defined by Gutek to describe this kind of approach (Hart, 2006: 56). Man is perceived as a rational being with free will exercised through choice and capable of acquiring knowledge of reality. Human conduct is thus guided by objective truth and values. Reality though is accepted as both material and spiritual. Having free will and conscience also means people are responsible for their own behaviour (Young et al., 2007: 84). Under theological realism, the teacher would likely employ a range of methods with an emphasis on helping to develop skills of observation and critical reasoning. The teacher would also provide copious facts and guide the student to becoming knowledgeable about the world around them as a route to self-realisation. The lecture method would therefore be common with skilful use of audio-visual aids, and teachers would encourage discussion among students. The teacher is very much sympathetic towards her students, and students in turn would be given choice in the activities they can engage in. As John Locke advocated, the children would not be pushed beyond their ability or natural inclinations. To assist students in their learning, the use of objects features prominently, which includes pictures and illustrations. This practice was promoted by the theologian and educator Comenius who also stressed on learning by doing (Gordon & Browne, 2010: 10). The overall objective is to perfect students’ natural abilities through training their senses. Also, rather than stressing on memorisation, students learn by understanding and applying knowledge. As Thorndike in the empiricist tradition believed, this higher level thinking ability in students develops from the aforementioned basic habits (Cox et al., 2009). The curriculum emphasis under theological realism is on subjects that are deemed practical and useful. In particular, the study of nature would be considered as very important,

Comparison and Contrast of Sweeney Todd and the Lion King Films Essay - 2

Comparison and Contrast of Sweeney Todd and the Lion King Films - Essay Example A movie is defined as a form of entertainment that enacts a story by sound and a sequence of images giving the illusion of continuous movement. Movies usually have a plot that is either based on a novel such as the Harry Potter, The Devil Wears Prada, A Walk to Remember, etc.; or have an original screenplay such as the High School Musical, Cheetah Girls, etc. Some are even counterparts or representation of popular theatrical plays that have already been considered as classic. However, in other cases, it is the other way around. A movie might be very brilliant and magnificently done it has garnered so much glamour, that a theatrical play is created to re-enact it. Sweeney Todd, the Demon Barber of Fleet Street is a theatrical play by Christopher Bond which is created in 1973. It has later become a musical thriller in 1979 with music and lyrics done by Stephen Sondheim and libretto by Hugh Wheeler. The musical theater production of Sweeney Todd started at the Uris Theatre on March 1, 1979, and ran for almost 600 performances. It was directed by Harold Prince with musical staging by Larry Fuller. The musical tells the story of Benjamin Barker, alias Sweeney Todd, who returns to London after 15 years deportation and prison based on false charges. He then vows revenge after learning from his former landlady, Mrs. Lovett, that his wife poisoned herself after being raped by Judge Turpin who wrongly executed him. The musical theater production was really magnificent for it has nine nominations for Tony Awards in which it won eight including Best Musical, Best Actress in a Musical, and Best Actor in a Musical.   And then later, the film adaptation of the theatrical play Sweeney Todd was jointly produced by DreamWorks and Warner Brothers. It was released on December 21, 2007.  

Platos Analogy of the Cave Essay Example for Free

Platos Analogy of the Cave Essay Plato was a Greek Philosopher, who was a student of Socrates. The Analogy of the Cave in Plato’s Republic was written as a dialogue between Socrates and Plato’s brother Glaucon. In the Analogy of the Cave, Plato describes the prisoners who lived an isolated life in the confined space of a cave. Plato’s Analogy explains a philosopher’s journey to knowledge and the difficulty that he faces along the way and the prisoners in the cave who have not embarked on the journey to true knowledge and are living their lives, only seeing what is on the surface, and what they want to see. The Analogy relates to Plato’s Theory of Forms, which explains how the forms possess the ultimate reality. The World of Forms is the unseen world in which everything is constantly evolving and changing. The Analogy however, is the attempt to enlighten the prisoners and explain the philosophers place in society. He uses the story to explain the need to question everything like a philosopher does in order to distinguish between the unreal, physical world and the real spiritual world lit by the sun. The sun is the ultimate good and Plato gives the name of good the demiurge. The cave is a symbol of the world; it represents the World of Appearances based on what people see by their senses. It is an illusionary physical world in which people are trapped by ignorance and false truths. It is a world where people ignore the truth and are unenlightened. The prisoners are in this illusionary world where they think that what they are seeing is reality however it is not reality at all. In the cave there are shadows of truth and echoes of reality. It is filled with illusions. It is a world of senses where the prisoners have gained empirical knowledge which is flawed. Plato thinks that the prisoners’ situations are no different from ours, as we do not see the forms clearly, only the physical world. Plato believed that everything exists in its true, perfect form outside of the cave in the world of the forms. The Cave; the physical world imprisons a person by stopping them seeing the forms. The cave represents a world where everything comes to an end and will eventually die, however in the world of forms nothing will die or end. Everything is transcendent and evolving. People who leave the cave gain true vision and see reality. The cave can also represent  the body in which our souls (the prisoners) are trapped. Our souls constantly yearn for the World of Forms in which nothing ever decays. The cave may also represent society and the prisoners cannot see the world for what it really is as they are trapped in the claws of society. The prisoners are humans who have a lack of knowledge and are oblivious to the truth and reality. They are in an illusionary world. The prisoners are mankind or at least human thought and existence. They are chained mentally by culture; trapped in society and physically around their necks and feet, which means they are not able to move around. This means that their minds cannot wander elsewhere and they remain fixed on the shadows/their reality. The chains also represent humanities inability to become enlightened and our consciousness. Their reality is the shadows of truth and the echoes of reality. They have never seen true good, true reality; the sun. They represent human beings like us as they are ignorant and oblivious to the truth and the world of forms. Their minds are full of ignorance and false impressions. They have beards which show that they have been there since childhood, and that the darkness is all they know. The prisoners sit facing the wall and have spent their lives watching the shadow play. For them the appearance seems real, as they have never seen anything else. We have sympathy for the prisoners as they have been misguided and are oblivious to the ultimate good; the demiurge. They are people who accept everything at face value and never question or try to understand. Their lives are empty and meaningless. The people who carried the statues helped to shape the prisoners’ views however they also were thought to share the same views as the prisoners. In the ‘Republic’, Plato criticized philosophers and politicians who lead the people but do not actually know the truth. The people carrying the statues are like the philosophers and politicians; oblivious to the World of Forms. The prisoners also represent our souls, which are yearning to get to a higher place. They are trapped inside the body, which is a physical form. The shadows are made from ‘all sorts of vessels and statues and figures of animals’, a mere shadow show orchestrated by the unseen men. They are the shadows which create the false images of distorted truth. They are the limits of reality. The prisoner’s senses are misguided by the shadows. The shadows are deceitful; they are the false way people see things. The shadows that the prisoners look upon represent the perceived truth; the prisoners did not have the knowledge to look beyond the superficial, and only had the capacity to believe in shadows. We are also told about the fire. It burnt behind and above the prisoners. In front of the fire there was a puppet stage for the men to carry the object behind, this would cast the shadows. The only noises the prisoners would hear were the echoes of reality, and the only things the prisoners would see were the shadows of truth. The puppeteers are ignorant for carrying on teaching the prisoners false knowledge. The fire in the cave represents the power of the sun. The fire has the ability to illuminate the false truths inside the cave; it magnifies what the prisoners can see, which shows them what to believe in. The fire represents false and incomplete knowledge and is also deceitful. It represents the illusions that keep us in the dark from truth. The journey out of the cave is the journey to truth and reality; it demands that you must challenge your pre-conceived ideas. The prisoner’s journey out of the cave, his ascent is faced with hardships and struggles; escaping the chains, past the fire and up the steps. The reason the prisoner is described as being ‘dragged out the cave’ is because the journey is distressing and he is being forced out. Plato said ‘The object of knowledge is what exists and its function to know about reality’. It explains how reality is the world of forms and the job of the philosopher is to get knowledge, this is what the prisoner does when he goes out of the cave. He is the one who breaks away and makes the journey out; he is the philosopher who wants to know what is really going on. He wants to see past the distorted truths. ‘And those who strive for reality and knowledge are philosophers’. The escaped prisoner could represent Socrates (Plato’s tutor). The journey out of the cave symbolizes the journey of an average person into the world of knowledge and wisdom through philosophy. This is achieved by looking into the depths of meaning and searching for answers. The journey is uncomfortable as it requires the prisoner to challenge his beliefs. When the prisoner first breaks free he is in tremendous amounts of pain as his muscles have been unused for so long, and he is able to look directly at the fire rather than  just at the shadows. The path outside the cave is rocky, steep and unstable as the things that the prisoners once knew as reality are all becoming unclear. Once the prisoner is out of the cave, he is faced with the sun. The sun represents complete knowledge, wisdom and enlightenment. It represents the World of Forms, which the soul yearns to reach. It represents the ultimate good, the ideas/forms; the demiurge. It reveals the world to the prisoner, and how things can be if you come out of the shadows. It represents truth, beauty and justice. When the prisoner see’s the sun, he becomes temporarily blind; this represents the enlightenment because he has discovered a world past the shadows. A world which is real. The sun lets him see the true beauty of things, not the shadows that he saw before. Plato suggests that in this world, the sun gives both life to being as without light, we and the plants and animals would not grow and flourish, and provides light by which these things can be seen. The sun is the source of truth and reason; it represents the perfection of realities. Through the sun we will see the truth, real beauty and real justice. He comes to see a deeper reality, a reality marked by reason. Once the prisoner has embraced his new found knowledge, he wants to maintain it and no longer live a life of confinement trapped inside a cave. Once he sees reality, he makes a painful readjustment back into the darkness of the cave. This journey back is also painful as once he has seen reality, he does not wish to reminisce in the deceit of the past. However he is a good man, who gains true knowledge and wishes to enlighten the others. He could represent Socrates going to enlighten Athenian Society. When he gets to the prisoners, he seems mad, as he describes a new strange reality. They laugh at him and mock him, and reject him to the point of threatening to kill him. Their disagree shows how previous philosophers such as Socrates were penalized and laughed at for their beliefs and ultimately killed. Plato’s Analogy of the Cave is a representation of the human condition, under the circumstances of our basic beliefs and behaviors in society. It represents the lack of human knowledge, and the difference between the two  worlds. It shows that in the World of Appearances, everything we see or experience are shadows of The World of Forms, they are impure. They show that we live in a world full of flux and decay and we are just matter. The World of Appearances is a Visible World and a Finite World whereas The World of Forms is an Unseen World, full of phenomenons, forms and ideals. The World of Forms is constantly evolving and changing; ‘You cannot step into the same river twice’. The World of Forms is outside the cave, and it is where everyone aims to go. The soul yearns for a higher place.

The Medias Role in the Escalation of Palmer Raids and the Red Scare in

Newspapers are supposed to give us an unbiased factual report of important events, but that isn’t always the case.   Newspapers can make certain events seem more important and more consequential than other events.   This happened during the Palmer Raids of the early 1920’s.   Newspapers made the Palmer Raids more prevalent and Anti-Communist feelings stronger among the American public during the 1920’s. To understand how the media escalated the Red Scare and Palmer Raids it helps to have a brief history of them.   After World War I there was a Red Scare among many Americans.   There are many explanations for this: rampant inflation, a tough job market, strikes, race riots, and the public’s need for a scapegoat (Duminel 218).   When Attorney General A. Mitchell Palmer’s home was bombed he immediately believed it was the Communists and went after all of them.   In November of 1919, and December of 1920 the U.S. Department of Justice under Palmer’s direction conducted raids in a number of prominent cities (Remelgas 3).   Many persons were arrested without warrants, and without being given proper rights.   Over five thousand people were arrested, and a total of two hundred and forty nine people were deported (Remelgas 4).   After these raids and unlawful arrests, Palmer was called before the House Rules Committee and Senate Judiciary Committee and conv icted of using Government funds in an improper way causing the end of the first Red Scare. In journalism there are certain standards used to draw attention to certain articles.   Alexandra Remelgas states: The standards of responsible journalism are useful in examining the press coverage of the Palmer Raids.   Standards of responsible journalism are limited by the selection of and emphas... ..., Edward A.   â€Å"Heaven On Earth.†Ã‚   Detroit Free Press Magazine 11 Jan. 1920: 2 Hoyt, Edwin.   The Palmer Raids, 1919-1920 An Attempt to Suppress Dissent. New York:   The Seabury Press. Murray, Robert. Red Scare: A Study In National Hysteria, 1919-1920. Minnesota: North   Central Publishing, 1955. â€Å"Reds Plotted Country Wide Strike Arrests Exceeded 5,000, 2,635 Held; 3 Transports Ready For Them† New York Times 4 Jan 1920: 1 Remelgas, Alexandra. â€Å"News Reporting And Editorial Interpretation Of The Palmer Raids 1919-1920 By Three Detroit Newspapers: A Study† Thesis For Degree Of M.A. MSU, 1970,       Shulam, Alix.   To the Barricades: The anarchist Life Of Emma Goldman. New York.  Ã‚   Thomas and Crowell Company, 1971. Who Built America, v. II. â€Å"Between to Wars – The Palmer Raids.† CD Rom. 25 January  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   2000.   http://chnm.gmu.edu/courses/hist409/red.html   

Mobilization of Deposits

Topic: â€Å"Mobilization of deposits in banking system of Pakistan† Submitted to: Ma’am Bushra Submitted by: Muhammad Mumtaz (09-arid-929) Tayyab Sultan (08-arid-387) Muhammad Sohail Zafar (09-arid-934) Farhan Ahmed (08-arid-402) ACKNOWLEDGEMENT Thanks to Almighty ALLAH who had made us able to complete this project with the true knowledge. Special thanks are due to our respected teacher Ma’am Bushra Zulfiqar who have shown us the right way to go for our project to success and enlightened our mind with the tips and guidance to think creatively.We are thankful to our friends, who help us a lot during this course of project. Table of content: 1) Deposit——————————————————————————-4 2) Current Accounts——————————— ———————————-4 3) HBL Freedom Account————————————————————4 4) HBL Business ValueAccount—————————————————-4 5) Term Accounts———————————————————————-5 6) HBL Advantage Account———————————————————-5 7) Investment Plus Deposit————————— —————————â €”–5 8) Savings Accounts————————————————– —————–5 9) PLS – Savings Account————————————————————-6 10) Remittance Munafa Plus Savings Account—————————————6 11) Foreign Currency Accounts———————————————————7 12) Mobilization of deposits————————————————————-8 13) HBL Car Loan—————â⠂¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€ ——————8 14) HBL Car To Car———————————————————————–9 15) HBL Credit Card———————————————————————10 16) HBL Home Loan———————————————————————11 17) HBL INVESTMENT BANKING———————————– ————–13 18) HBL Zarai Banking————â₠¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€Ã¢â‚¬â€14 19) MCB Islamic banking——————————————————- ——–17 20) Al-Makhraj Saving Account————————————————— —–17 21) IANAT Account———————————————————————–18 22) Al Makhraj Term Deposit————————————————————20 23) Ijarah———————†”————————————————————20 24) Murabahah——————————————————————– ———-21 25) Diminishing Musharika Equipment————————————————-21 Abstract: Banks generally adopt following strategies to mobilize their Deposits in two categories 1-  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Demand Deposits which are payable to the owner on demand i. e Savings Accounts Current Account etc. 2-  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Time Deposits.These are Fixed Deposit for various tenors ranging from month to 10 years and are payable at maturity. * Banks accept Deposits from institutions like Government institution s, public ltd and Private limited companies and Trusts etc. * Banks accept Deposits from general public by launching various Deposit schemes catering the needs of every segment of society and offer attractive Profit rates on these schemes. * For example HBL offers HBL Money club Account to kids up to the age of 18 and offer ATM Card (with restricted Limit) and attractive Profit Rates up to 7. 55% to attract the youngsters who will subsequently prefer to maintain their Account with HBL till life time. For Businessmen who frequently transfer money to and from their Accounts to make their business payments HBL offers Freedom Account in which they can make Drafts of unlimited Number and amount and free online funds transfer by maintaining minimum daily balance of Rs. 25,000. 00/- only. This strategy attracts huge numbers of businessmen to HBL which has competitive advantage of largest Network of branches in every city of Pakistan with online facility. * For customers mostly businessmen who want profit on daily basis HBL Offers HBL Daily Progressive Account on which profit is calculated on daily basis and credited into customers Accounts at month end. * Similarly to encourage the remittances by expatriates through banking channels HBL offers RMPA Remittance Plus Munafa Accounts. * HBL mobilizes its deposits in the form of investments in projects and give loan to corporations as well as to the consumer.HABIB BANK LIMITED: DEPOSITS: There are different types of deposits account. Current Accounts: Make unlimited transactions while maintaining a low minimum balance every month. Current Account of HBL: * Minimum balance of Rs. 5,000 * Unlimited transactions * Non-profit bearing * HBL Debit Card and Inter Branch Transaction System (IBTS) facilities * Funds transfer to any bank through HBL Phone Banking Basic Banking Account (BBA): * Can be opened with only Rs. 1,000 * No minimum balance requirement * Up to 2 withdrawal and 2 deposit transactions free every month * Unlimi ted withdrawals through HBL Debit Card * Non-profit bearing HBL Freedom Account:Use your money as you please with HBL Freedom Account. Rest free from worries and expand your business with unmatched accessibility. HBL Business Value Account: * No minimum balance requirement * HBL Debit Card and Inter Branch Transaction System (IBTS) facilities * Unique transactional account for Businessmen * Up to 10 Bankers Cheques free (at minimum balance of Rs. 500,000) * Profit calculated daily, paid every quarter * Up to 5. 35% profit per annum * Funds transfer to any bank through HBL Phone Banking. * Nominal monthly maintenance charge of Rs. 50 Term Accounts: Invest your savings in our term deposits for a fixed duration and earn profit while keeping your savings secure.HBL Advantage Account: | | |   | | | | | | | | | Term| Profit per annum| 1 Year | | 12. 00%| | 3 Year | | 14. 00%| | 5 Year | | 15. 00%| | 10 Year | | 18. 00%| | | | |   | †¢ | Multiple options for tenure and profit payo ut. | †¢| Loan facility up to 90% of investment. | †¢| Minimum investment of Rs. 25,000. | †¢| Withdrawal at end of fixed term. | Investment Plus Deposit: * Profit paid at maturity * Minimum investment of Rs. 20 million| * Multiple options for tenure and profit payout| * Withdrawal at end of fixed term * Account for Institutions| Savings Accounts: Avail the flexibility of making transactions while earning profit on daily/monthly basis.HBL Value Account: * 7. 19% profit per annum| * Profit calculated monthly, paid every quarter| * Deposit ranges from Rs. 10,000 to Rs. 1,000,000| * Two withdrawals free every month| PLS – Savings Account: * 5. 06% profit per annum| * Profit paid bi-annually| * HBL Debit Card and Inter Branch Transaction System (IBTS) facilities| * Funds transfer to any bank through HBL Phone Banking| * Minimum balance of Rs. 20,000| * Unlimited transactions| Remittance Munafa plus Savings Account: * Special account for receiving foreign remittance s| * 5. 12% profit per annum| * Profit paid every month| * Minimum balance of Rs. 20,000| Daily Munafa Account: Profit calculated daily, paid every month| * Up to 8. 84% profit per annum| * HBL Debit Card and Inter Branch Transaction System (IBTS) facilities| * Funds transfer to any bank through HBL Phone Banking| * Minimum balance of Rs. 20,000| Daily Progressive Account: * Unique transactional account for Institutions| * Profit calculated daily, paid every month| * Up to 11. 57% profit per annum| * Inter Branch Transaction System (IBTS) facility| * Funds transfer to any bank through HBL Phone Banking| * Minimum balance of Rs. 20,000| Foreign Currency Accounts: HBL offers Foreign Currency Accounts in multiple currencies as savings and term accounts. FC-SB: Savings Account offered in 3 currencies, USD (US dollar), EUR (Euros) and GBP (UK pound)| * Tiered product, with rates depending on choice of currency| * To earn profit, minimum balance should be 1000 USD, EUR or GBP| * Interest is payable on a quarterly basis| HYFFD (High Yield Foreign Currency Fixed Deposit): * Available in 1 month, 2 month, 3 month, 6 month and 12 Month in USD, EUR | * Tiered product, with rates depending on choice of currency and term| * Profit paid on maturity only. | Mobilization of deposits: HBL CAR LOAN: HBL CarLoan helps you get your preferred car through a simple and hassle-free process, backed by superior service and support. Now you can drive a car you always wanted. Features: * Choice of used, new local/imported and reconditioned imported car. * Repayment options ranging upto 7 years. | * Up to 85% of financing for the car of your choice. | * Insurance at all times for complete peace of mind and security. | * Round the clock support available through HBL Phone Banking you can place your requests and queries, track the status of your repayment/loan account and avail other value-added services through HBL Phone Banking. | Eligibility criteria: | Salaried Individuals | Self-Employ ed Business persons/ Professionals | Citizenship| Pakistani| Pakistani| Age| 22-60 years | 22-65 years | Minimum monthly income| Rs. 20,000 | Rs. 25,000 | Documentation: Salaried Individuals | †¢ | Copy of CNIC | | 2 recent passport size photographs| †¢| Latest original salary slip and personal bank statement for last 3 months| | Self-Employed Business persons/Professionals| †¢ | Copy of CNIC | †¢| 2 recent passport size photographs| †¢| Bank statement for last 6 months and bank letter confirming details of account| †¢| Proof of business| | HBL Car To Car:| HBL Car To Car is a revolutionary car financing offer. It makes the car of your choice affordable and practical with a buy back guarantee. HBL CarToCar offers matchless features and unique options at the end of the lease. Now you can drive a new car at the end of every two years. Features: Affordability:With HBL Car To Car, you only have to pay the difference between the car price and the pre-agreed residual value to the bank. As a result, the monthly installment may even be 40% to 50% less than that of conventional financing Upgrade of lifestyle: HBL gives you the guarantee that if you wish to return the car to us at the end of the lease term, you will not have to pay off the car’s residual value. Instead, we will directly settle this outstanding liability for you under the buy back guarantee. Hence, you can upgrade to a new car as frequently as two years* without any complication and hassle. Pay only for what you use:When you lease a car under HBL Car To Car, you only pay for that part of the car’s value that you use during the lease term.The car’s residual value* (forecasted for the end of the specific lease term) is agreed with you at the start of the lease term. This amount is deducted from the car price thus lowering the finance amount. This finance amount is based only on a part of the car’s value and not the full value of the car. Therefore, HBL CarToCar offers very low installments as compared to any conventional financing. |   | .| Flexibility| | HBL Car To Car offers you several choices at the end of the lease term:| * Upgrade – Simply return the car to HBL and drive a new one home | | * Walk away – Return the car to HBL and end the lease| | * Buy – Keep the same car.Just make a one-time settlement of the car’s residual value to HBL or pay the same in easy installments over a specified extended period of time| | * Sell – Enjoy the gain from selling off the car at a higher price in the market than what you ay HBL as the residual value| Eligibility criteria: | Salaried Individuals | Self-Employed Business persons/ Professionals | Citizenship| Pakistani| Pakistani| Age| 22-60 years | 22-65 years | Minimum monthly income| Rs. 20,000 | Rs. 25,000 | Documentation: Self-Employed Business persons/Professionals †¢ | Copy of CNIC | †¢| 2 recent passport size photographs| †¢| Bank statement for last 6 months and bank letter confirming details of account| †¢| Proof of business| Salaried Individuals | †¢ | Copy of CNIC | †¢| 2 recent passport size photographs| | Latest original salary slip and personal bank statement for last 3 months| | | | HBL Credit Card:| Welcome to a world of convenience and flexibility. Accepted at over 29 million merchants worldwide, HBL Credit Card makes shopping fun and paying simple. So make the most of your shopping experience. Gold Card|   | Green Card| Rupees| Minimum gross salary requirements| Rupees| 50,000| | Salaried individuals| 15,000| | 180,000| | Self-employed business persons/professionals| 25,000| | | Rupees| Credit limit range| Rupees| 150,000| | Minimum| 20,000| | 500,000| | Maximum| | | | HBL Home Loan:| HBL Home Loan offers financing options to purchase a new house or renovate an existing house.Outright purchase: The outright purchase loan option provides financing for buying a new house. Home im provement: Home-improvement loan option provides financing for renovating your house. Outright Purchase| Descriptors| Home Improvement/ Renovation | 3 years to 20 years| Loan tenure| 3 years to 20 years| Rs. 300,000 – Rs. 15,000,000| | Loan amount| Rs. 300,000 – Rs. 5,000,000| | 85%| | Maximum financing amount (as % of appraised value of the property)| 70%| | 5 years| Property lease (years remaining at the time of loan maturity) | 5 years| Borne by the Bank| | Property insurance| Borne by the Bank| | Primary applicant and co-borrower| | Life insurance through HBL by the insurance company on HBL panel)| Primary applicant and co-borrower| | Eligibility criteria: | Salaried Individuals| Self-Employed Business Persons/ Professionals| Nationality | Pakistani (resident) | Pakistani (resident) | Age criteria of the main applicant and co-borrower whose income is being clubbed (spouse only)| | Permanent employees Minimum age at the time of loan application should be 21 years. M aximum age at the time of loan maturity should be 60 years. Contractual employees Minimum age at the time of loan application should be 21 years. Maximum age at the time of loan maturity should be 55 years | Minimum age at the time of loan application should be 21 years.Maximum age at the time of loan maturity should be 65 years. | | Length of Employment| | Permanent employees Minimum 1 year experience; 6 months experience with confirmed employment status in the current job. Contractual employees Minimum 2 years work experience. Third party contractual not eligible. | Minimum 2 years experience in personal business| | | Documentation:| Salaried Individuals| | * CNIC copy * 2 passport size photographs * Letter from employer * 2 latest salary slips or salary certificate * Bank statement for last 6 months and bank letter confirming details of account * Copies of property documents| | Self-Employed Business Persons/ Professionals| CNIC copy * 2 passport size photographs * Proprietorship : Bank Certificate / Latest Tax Assessment Order * Latest one year bank statement * Partnership Deed * Registered Form C * Memorandum, Article of association and registered Form 29 A (applies to company directors) * Copies of property documentsSchedule of bank charges: Application processing charges (including 16% FED)| Rs. 7,000/- (non-refundable)| Early settlement charges | 4. 7% of outstanding principal | Partial payment charges | 4. 7% of adjusted principal | Late payment charges | Rs. 700 (for each late payment) | Property evaluation fee | Actual cost plus 16% FED to be recovered | Legal fee | Actual cost plus 16% FED to be recovered | | HBL INVESTMENT BANKING: HBL offers full-service Investment Banking capabilities to its clientele. This year alone, HBL has closed over thirty transactions with a cumulative worth of over USD 2 billion. This is a testament to the out-of-box thinking and the innovative products we bring to our customers.The Investment Banking Group functions in t hree specialist business areas: Project Finance, Debt Capital Markets & Syndications and Equity Capital Markets & Advisory. Project finance: The bulk of HBL’s project finance practice revolves around the power sector. Prior to the power policy of 2002, HBL actively pioneered Project Finance in Pakistan through the funding of a gas-fired co-generation plant (94 Megawatts of power and desalination of 3 million gallons per day). Subsequent to the 2002 power policy, HBL continues to play a fervent role in the sector and is the only Investment Bank that was Lead Advisor to all IPP transactions that achieved financial close.In the fertilizer sector, HBL financed the largest local currency financing in Pakistan, worth PKR 23 billion, as well as a green field venture in the telecom sector worth PKR 12 billion. Debt Capital Markets & Syndications: Depending on the requirements of its customers, HBL offers a variety of products, including syndications, securitizations, privately placed and listed TFCs, term finance facilities, commercial papers, etc. HBL played the lead role in a number of significant debt transactions, including PKR 15. 14 billion TFC issue (the largest privately placed issue in Pakistan), the first bond offering for any microfinance institution in all of Asia, credit enhancement for a rapidly growing company in the consumer durables sector and numerous tier-2 capital transactions for commercial banks. Equity & Advisory:HBL offers a breadth of equity and advisory products including innovative capital raising techniques, restructurings, public and private equity placements and mergers & acquisitions. The HBL team played a pivotal role across several sectors, including energy, agriculture, consumer products, fertilizers, etc. , for raising various forms of equity and quasi-equity. Recently, HBL structured a convertible debt note with a built-in Put feature for a US-based provider of agriculture technology and dairy solutions – a first of it s kind transaction in Pakistan. HBL also provides valuation for a company in the food and beverages sector. HBL ZaraiBanking:HBL ZaraiBanking facilities are spread across the country and provide financing through more than 800 of our branches. HBL’s presence in all agriculture belts of the country ensures easy access to farmers in rural areas. HBL ZaraiBanking provides loans to small-scale land owning farmers as well as large institutionalized and alliance based finance, enhancing agricultural harvest and, in turn, economic output of the country. Products: HBL ZaraiBanking enables farmers to invest in premier quality seeds, fertilizers, pesticides, agricultural implements and non-farm setups through its various product programs. Crop Inputs: Crop specific finance for purchase of Agri inputs such as seed, fertilizer, pesticide and other related inputs. Farm Implements:Finance available for purchase of farm implements & machinery like combined harvester, sprayers, ploughs, tube wells and other crop-related tools/implements. Tractors/Agricultural Vehicles: Finance available to individual farmers, self-employed tractor operators, providing the option to select vehicles from a range of different manufacturers. Livestock: Finance available for feed, medicines, raw material, raising charges and other related activities. Poultry: Finance available for all poultry related activities including poultry farm construction/equipment, hatchery plant & machinery, poultry feed, poultry medicines, composite feed production, poultry processing and other related activities. Fish Farming: Finance available for inland fish farms as well as deep-sea fishing.This includes procurement of boat, fish locating equipment, nets & ropes, ice maker, fish farm water solution, hatchery construction/equipment, purchase of medicines / feed and other related activities. Group Lending: Joint finance facility for a group of farmers with small land holdings for working capital requirement. MC B Islamic banking Islamic Banking Division was formed with effect from 1st January 2003, which in a short span of time, has developed sufficient expertise, necessary infrastructure, information technology, and manpower to run Islamic Banking Operations and offer Islamic Banking Products. Mission statement: To play a dynamic role in promotion of Islamic Banking and win customers trust by providing sharia compliant financial services. Vision:To become a leader among Islamic Banks of the country in the coming years capturing major share of the domestic Islamic financial market. Al-Makhraj Saving Account: The minimum deposit requirement for Al-Makhraj Saving Account is only Rs. 5000 and profits can be earned 6-monthly. Other features associated with this product are as follows: Minimum Initial Deposit: Rs. 5000 Islamic Tools used in designing the product: Mudaraba/ Musharaka Product to be availed by: Individuals & Joint Account Holders (Local) Companies, Corporate, Trusts, etc Special A dvantages: For Customer = Bi-Annual Profit Payment; Withdrawal Facility Shariah = Meets requirements for Shariah Compliance Additional Features: | * Personalized Cheque books| * Withdrawal Facility from ATM/ Debit Card| | * Online deposit as per bank's policy| | * Virtual Banking| | * Call Centers Facilities| | * 6-monthly profit payment on the basis of monthly declared rates| | * Issuance of duplicate statement of account (as per SOBC)| | * Free bank balance certificates (once in 6 months)| | * Taking stop payment/ hold mail/ standing instructions| | * No penalty if balance falls below minimum level. | | * Personal financial consultancy services (regarding Shariah Compliant products)| | * Utility bill payment via ATM card| | * Choice of statement frequency (as per Schedule of Charges)| IANAT Account:For customers who are looking for a chequing account that gives them the ease of doing unrestricted number of transactions, we offer Al-Makhraj Ianat Account. With a minimum of only Rs. 10,000, Ianat Account may be opened. With all the features and facilities that this product offers, it is highly recommended for management of business funds. Details of the product are as follows:| | 1| Minimum Initial Deposit: Rs. 10,000| 2| Product to be availed by: Individuals ; Joint Account Holders (Local), Companies, Corporate, Trusts, etc| 3| Additional Features: | | A| Personalized Cheque books| | B| Withdrawal Facility from ATM/ Debit Card| | C| Online deposit as per bank's policy| D| Debit card; Utilities payment via ATM card| | E| Virtual Banking| | F| Call center facilities| | G| Free bank balance certificates (once in 6 months)|   | H| Taking stop payment/ hold mail/ standing instructions|   | I| Issuance of duplicate statement of account (as per Schedule of Charges)|   | J| Choice of statement frequency (as per Schedule of Charges)|   | K| No penalty if balance falls below minimum level. | 4| Banking Network: IBD's Branch only| | Al Makhraj Term Deposit: A mi nimum of Rs. 25,000 is required for investment in Al-Makhraj Term Deposit. Choice of tenors can be made from a list of options namely 1, 3 ; 6 months, 1 or 2years.Profit payment options available to customers are monthly, quarterly and/ or at maturity. Details of the product are as follows: * Minimum Deposit: Rs. 25,000| * Islamic Tools used in designing the product: Mudaraba/ Musharaka| * Tenors Available:1 mth, 3 mth, 6 mth, 1 yr or 2 yrs | * Product to be availed by: Individuals ; Joint Account Holders (Local), Companies, Corporate, Trusts, etc| * Special Advantages: | | * For Customers = Profit Payment Options customized to suit needs of customers; Minimum Deposit requirement’s lower than most banks so it is more accessible/ affordable for people | | * Shariah = Meets requirements for Shariah Compliance | | * Additional Features: | | * Call center facilities| * Taking hold mail/ standing instructions for profit payments etc| | * Personal financial consultancy services (re garding Shariah Compliant products)| Profit Sharing Ratio on Al-Makhraj Account: Profit Sharing Ratio on Al-Makhraj Riba-Free Savings ; Term Deposit   Accounts is: Rabbul Maal (Depositor)|   Ã‚  70%| Mudarib (Bank)|   Ã‚  30%| MCB offers 3 broad Islamic fund based facilities: * Ijarah * Mudarabah * Diminishing Musharika Equipment Ijarah: MCB’s Islamic Ijarah, analogous to the English term ‘leasing’, is based on the ‘Ijarah wa Iqtina’ concept which means the sale of the asset to the lessee (customer) after the Ijarah has matured. Under this scheme, MCB will be the owner of the asset, and you (lessee) will be given the asset to use