Sherlock Holmes Essay Example Essay Example

Sherlock Holmes Essay Example Paper Sherlock Holmes Essay Introduction Arthur Conan Doyle was born on May 22, 1859, in Edinburgh, Scotland. As a young man he seemed destined for a career in medicine. In 1876 he attended the University of Edinburgh Medical School. There he met Joseph Bell, whose deductive powers and dramatic flair he would later embody in the character of Sherlock Holmes. In the early 1880s he served as a medical officer on an Arctic whaling ship and ship’s surgeon on a voyage to West Africa. By the summer of 1882, he had settled in the town of Southsea in the south of England. In 1885 he received his medical degree. Even after he was a well-established writer, he continued to pursue his medical education, becoming an eye specialist. His medical practice was unsuccessful, leaving him plenty of free time to write. His first story was â€Å"The Mystery of Sarassa Valley,† published in October 1879 in Chamber’s Journal. He had trouble finding a publisher for his first Sherlock Holmes novel, A Study in Scarlet, which eve ntually appeared in Beeton’s Christmas Annual for 1887. It and its successor, the novel The Sign of Four, published in 1890, were not popular at first. In 1891 Conan Doyle agreed to supply the new magazine the Strand with a series of Sherlock Holmes short stories. â€Å"A Scandal in Bohemia† appeared in the magazine’s July 1891 issue and was a popular sensation. For the rest of his life Conan Doyle was pressured by publishers and the general public to write more stories about Sherlock Holmes. He tried to stop writing the stories a number of times. Then he tried killing Holmes off in â€Å"The Final Problem,† the last of his second run of Holmes stories for the Strand. Sherlock Holmes Essay Body Paragraphs He received hate mail for killing Holmes and was besieged by publishers offering him huge sums of money to write more about Holmes. An American publisher finally offered more money than Conan Doyle could resist, and he agree to write The Hound of the Baskervilles. Conan Doyle died on July 7, 1930, at Crowborough, Sussex. Summary For many years, the region around the Baskerville estate was poor and backward, but when Sir Charles Baskerville returns to claim his estate, the region again begins to prosper. By devoting his vast fortune-earned in business-to better the community, Sir Charles fills the long-empty role of leadership that is the duty of the Baskervilles. But into this otherwise happy and orderly society comes disorder in the form of two utterly evil men. One is a convicted mass murderer escaped from prison, who lurks about on the moors; the other is Seldon, a clever criminal, who is insidious enough to corrupt the faithful Baskerville servants into the service of evil. Even more unsettling is the terrible Hound of the Baskervilles. When the good Sir Charles Baskerville is murdered, an ancient curse on the family is revealed that now threatens Sir Henry, the new heir. For generations, the Baskerville family has been victimized by a giant, spectral hound that prowls the moors. The hound now seems to be loose again; it has claimed Sir Charles and appears ready to strike again. Is this a supernatural creature or merely part of someone’s devious plot to supplant the rightful heirs of Baskerville Hall? Sherlock Holmes is called upon to solve the mystery, and the intricate story builds to an extraordinary climax when the hound attacks: â€Å"Fire burst from its open mouth, its eye glowed with a smoldering glare, its muzzle and hackles and dewlap were outlined in flickering flame. † A fiend from hell seems loosed upon Sir Henry. Critical Appreciation of the Story Character Analysis Sherlock Holmes Holmes represents several things from his role as the great detective. He is the ever practical man, not even caring about the rotation of the Earth, since it does not affect the case. Amidst widespread belief in curses and the supernatural, Holmes is really the only one who never doubts the pursuit of a rational cause. In this capacity, Holmes represents the world of explanations, of order, logic, and science. Out of awe and appreciation for his skills as a detective, Holmes is also seen as a provider of security. Watson mentions several times that he wishes the detective were there, instead of back in London. Sir Henry also wants Holmes to be around, and so both men are relieved when Holmes is found nearby. He has a reputation of being able to handle difficult cases and prevent, or at least lessen, danger, with good reason. He is the one people turn to, as Dr. Mortimer did, when they do not know what else to do. Finally, Holmes represents goodness. He seeks and finds the truth, and brings justice in driving evil to its demise (S tapleton’s death). However, this underlying theme, so familiar in literature, of good victorious over bad, is not always clear cut because of the complexity of the characters and plot. One example of this is Holmes’s deception of Watson. Dr. Watson Though Watson plays a part in the case, he is primarily significant as the narrator of the story. Since he is, like most readers, not a detective, he is able to relate information as the average person would likely see it. This is beneficial because it keeps the novel suspenseful, much more so than if we knew that Holmes suspected the Stapletons from the start. Watson demonstrates a much more sudden, emotion-based way of thought than Holmes. His reports include the psychological feel of the place and speculations on the character of various people that are more significant for the literary purpose than the case. He pursues Selden with Sir Henry despite the danger in trying to confront such a desperate man. He waits with his revolver for the stranger, and when it turns out to be Holmes who explains the situation to him, he is all set to accuse Stapleton in person. Even Watson’s surprise at some of Holmes’s deductions at the beginning of the book indicates this less rigid thinking. Mr. Jack Stapleton First of all, Stapleton represents the corrupting influence of money and power. He killed Sir Charles, attempted to do the same to Sir Henry, and likely committed several other crimes, all in the pursuit of an inheritance and quick money. Stapleton even had to leave South America because of stealing money. Along with that is the theme of dehumanization. In the face of material goods, Stapleton treats everyone from his wife to his victims with the same disregard. To illustrate the point, he comes to collect â€Å"Miss† Stapleton in a manner similar to his pursuit of insects. Even the hound, already a vicious creature, becomes even wilder in his hands. Perhaps the most complex and importan t part about Stapleton is the interplay within his character of crime and science (making him an interesting foil for Holmes, who is also a combination of those). On the one hand, he is a serious entomologist, but on the other hand, he uses what he gains from this to aid in his murders. Also, throughout the book, there are connections between the net Stapleton uses for his insects and the ones Holmes is using to catch him, as well as the one between his collections and the box of cases. As the antagonist, Stapleton is essential to the plot and outcome of the story. It is his crime that initially intrigues Holmes, and his continued skill at executing it, that holds the detective’s interest. The Baskerville family This old line provides the contrast to Holmes when it comes to belief in the supernatural. They take the curse very seriously, to the point that previously Dr. Mortimer suggested Sir Charles get away from the moor for awhile and Sir Henry’s normally independent nature is tamed by Holmes’s warnings and the sound of the hound. Baskerville Hall itself fits in well with the rest of the moor, as still connected with the old ways of thought. Furthermore, there is the matter of family connections. Stapleton is remarkably similar in attitude and appearance to his father Rodger and the wicked Hugo. This suggests that while the property and money are passed down, certain other things are as well. â€Å"The Hound of the Baskervilles† is also in reference to these bad relatives. Dr. Mortimer, The Barrymores Dr. Mortimer is important in that he brings the case to Holmes and relays all the background facts. Though his character continues to appear intermittently, it is at the beginning that he has the greatest impact on the plot. Also, his cane, when deductions are made from it, provides a good introduction to Holmes’s methods. The Barrymores are similarly important characters in the plot. Selden, and their mysterious activities de aling with him, makes for a nicely misleading subplot, drawing Watson’s suspicions to them for awhile. Plot The Hound of the Baskervilleshas a fairly complex, but very intense plot. The plot begins with the strange death of Sir Charles Baskerville. He was found dead on the famous yew alley of Baskerville Hall, but with no markings, and very little evidence on what caused the death. An old family legend about some of his ancestors, and a great black hound, makes the death even more strange – even suggesting devilish and supernatural powers. Meanwhile, Holmes must decide whether it is still safe for Sir Charles’ heir, Sir Henry Baskerville, to go to Baskerville Hall at the moment; would he reach the same fate as Sir Charles? A strange letter and some small, unexplained disappearances follow, and someone seems to be very intrested in Henry Baskerville. When everything fails in London, Holmes sends his faithful assistant, Watson, with Sir Henry to gather as much inf ormation as possible, and though he finds little, he gets just enough little bits of information for Holmes to realize what caused the death, as well as the strange happenings. ut maybe too late? The Hound of the Baskervillesstarts out at a moderate pace, gets really mind absorbing near the middle – the fact collecting phase – and then finishes with great excitement at the Climax, when Holmes solves the case, with great action. Theme Theme is not a major element ofThe Hound of the Baskervilles. This novel is a mystery book, so most of the setup of the book revolves around the plot. There is no obvious main lesson or point this novel is trying to teach; it’s written for entertainment. Sherlock Holmes solves another mystery amazingly with many insignificant looking little clues to lead him to a conclusion, making the plot a major part instead of the theme. When finished reading the book, the theme is more like an afterthought. The author’s primary purpose w as to convey a very complex problem which Sherlock Holmes needs to solve, which the theme element become a secondary part in the novel. This is like most mystery books as well, with the theme not as relevant as the other parts and ideas in the story. Author’s style InHound of the Baskervilleswriting style is direct. There is no figurative language except or the occasional simile due to the fact that Dr. Watson has a lot of ideas to get across. The style is also very suspenseful by dropping small hints toward the guilty one. The voice of Watson can be heard clearly in this novel. Despite the suspense on reflection, the organization and ideas all drive towards the climax and resolution. The word choice is pseudoelevated using some complex words but mostly moderate words. This allows the reader more energy to focus on the plot. This book writing style has the power to keep you reading from cover to cover. We will write a custom essay sample on Sherlock Holmes Essay Example specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Sherlock Holmes Essay Example specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Sherlock Holmes Essay Example specifically for you FOR ONLY $16.38 $13.9/page Hire Writer

Free Essays on To Kill A Mockingbird Symbolism

Symbolism is indeed used extensively throughout Harper Lee’s timeless classic, To Kill A Mockingbird. Many of the main ideas and points were put across through hidden meanings and phrases. Some examples of symbols in this book include the occurrences of the rabid dog, the fire at Miss Maudie’s house, and the extended symbol of the mockingbird. This paper will explore the usage and significance of symbolism in this novel. The connection between innocent people and mockingbirds is made openly throughout the book. â€Å"Mockingbirds don’t do one thing†¦ but sing their hearts out for us. That’s why it’s a sin to kill a mockingbird,† states Miss Maudie when explaining to Scout what her father meant by saying it is a sin to shoot a mockingbird. These lines are the source of the novel’s title and introduce one of the key images of the book. This image is of innocent people who are destroyed by evil. Mr. Underwood associates Tom Robinson’s trial and murder to â€Å"the senseless slaughter of songbirds by hunters and children.† Similarly, Boo Radley never intends to harm anyone. Instead, he leaves presents for Jem and Scout, covers Scout with a blanket the night of the fire, and eventually saves Jem and Scout’s lives from Bob Ewell. The usage of the rabid dog is very important to the understanding of racial inequality. Just as when a rabid dog spreads its disease, the disease of racism is spread rapidly through Maycomb. A dog does not choose to contract rabies, the same way an African-American does not choose to be colored. The narrow-mindedness of the common citizens of Maycomb County are revealed through the prejudices and stereotypes they place upon minorities. Miss Maudie’s house burning down was also a major symbol in this novel. This establishes the fact that bad things can, and do happen to good people, and also is used to foreshadow the events to come in the novel. Miss Maudie’s optimism and sanguinity rep... Free Essays on To Kill A Mockingbird Symbolism Free Essays on To Kill A Mockingbird Symbolism Symbolism is indeed used extensively throughout Harper Lee’s timeless classic, To Kill A Mockingbird. Many of the main ideas and points were put across through hidden meanings and phrases. Some examples of symbols in this book include the occurrences of the rabid dog, the fire at Miss Maudie’s house, and the extended symbol of the mockingbird. This paper will explore the usage and significance of symbolism in this novel. The connection between innocent people and mockingbirds is made openly throughout the book. â€Å"Mockingbirds don’t do one thing†¦ but sing their hearts out for us. That’s why it’s a sin to kill a mockingbird,† states Miss Maudie when explaining to Scout what her father meant by saying it is a sin to shoot a mockingbird. These lines are the source of the novel’s title and introduce one of the key images of the book. This image is of innocent people who are destroyed by evil. Mr. Underwood associates Tom Robinson’s trial and murder to â€Å"the senseless slaughter of songbirds by hunters and children.† Similarly, Boo Radley never intends to harm anyone. Instead, he leaves presents for Jem and Scout, covers Scout with a blanket the night of the fire, and eventually saves Jem and Scout’s lives from Bob Ewell. The usage of the rabid dog is very important to the understanding of racial inequality. Just as when a rabid dog spreads its disease, the disease of racism is spread rapidly through Maycomb. A dog does not choose to contract rabies, the same way an African-American does not choose to be colored. The narrow-mindedness of the common citizens of Maycomb County are revealed through the prejudices and stereotypes they place upon minorities. Miss Maudie’s house burning down was also a major symbol in this novel. This establishes the fact that bad things can, and do happen to good people, and also is used to foreshadow the events to come in the novel. Miss Maudie’s optimism and sanguinity rep...

I will tell you later Essay Example | Topics and Well Written Essays - 500 words

I will tell you later - Essay Example America demanded for a response after endorsing presence of authoritarian governments with the purpose of assuring stability. However, there was change in the 1970’s and 1980’s as famous movements that were demanding change became very frequent2. As these movements acquire much momentum, the United States was unable to ascertain political and economical stability, which was very necessary by then. In addition, in 1980, the foreign policy used by the US was amended to a democracy promotion. The global economy continued gaining more relevance, and it was during this moment that a new elite sprout on Capitalist strength3. This was in 1980 prior to the finish of Cold war. This was very significant because America it illustrates that America majored in globalization of political and economic features prior to the end of the bi-polar hegemonic system. On the other hand, Sen argues that Globalization does not entirely reflect westernization. According to Sen, globalization is neither new, nor westernized; however, the benefits are justifiable4. Therefore, these two authors points out that we should look at the perspectives of globalization in the sense that, it is something that has been existing and it is not about transformation5 . Based on the readings, Globalization involves sharing goods and services or rather continuity of goods, concepts and authority among many nations, which leads to dependence and interconnection. In this case, globalization becomes a positive factor for change. This is because of improved technology; also, the entire world in under control and it is also empowered through global transactions. I tend to believe that globalization becomes a negative aspect because, firstly, the diffusion of both the traditions and cultures. These factors are fading day in day out. However, this is a temporal way because

Healthcare Informatics Essay Example | Topics and Well Written Essays - 1250 words

Healthcare Informatics - Essay Example One critical question that one should reflect on is whether the patients are aware of the privacy risks involved in exposing their personal health data? (Chbeir & Al Bouna, 2013). Or whether there are appropriate policies for these social sites that guarantee the safety of the information to avoid health data security breaches that may turn costly on the part of the information owners? Awareness and education of the users are of paramount importance in mitigating the privacy risks. Li (2013) observes that there policy implications of using the health social networking sites and the stakeholders and the policy makers should elaborate them to protect the privacy of online health data. The health social networking sites are left to decide what information will be kept private and what will be shared. If there existed knowledge about the privacy settings, patients would be able to restrict the health data they want to keep secret. Healthcare Informatics After reading the work by Li (2013), I strongly support the option of privacy by education for mitigating the privacy risks surrounding the health data shared on the social networking sites. It should be noted that the health data collected from the social sites attracted unlimited commercial interests that can be used as business opportunities for medical research companies and partners.

There is general duty under english tort law to rescue or assist Essay - 1

There is general duty under english tort law to rescue or assist other. there is only a duty not to actively cause harm. nevertheless, there exist certain explicitly defined exceptions to the rule - Essay Example This law they mainly bases on the exceptional situations such as where the need for rescue arises due to negligence of the expected rescuer or defendant. This is both when the negligence is with intent or fault free conduct. In a case of one party dependence or mutual dependence in life such as a ship captain and the sea man such duty is said to apply. Another exception is derived from a rescuer’s intent to rescue. Once a person intervenes and objects to rescue they are obligated to have a duty and must not leave the victim in a worse off condition. It is also occasionally ascertained to be one’s duty to rescue where a contract stating the same is available. Though there are uncertainties as per the terms and forms of contracts in this nature (scordato, 2008). In one case taken before the New Hampshire Supreme Court in 1898 the court judged in favor of the defendant. This was after an eight year old boy who trespassed into the premises of the defendant placed his hand in the defendant’s machinery. In this situation the defendant was not obligated by any duty to rescue the boy, and could actually further place charges against the boy for trespassing. This can be attributed to the fact that they had no relationship of such a dependable nature, the defendant had no hand in the boy getting there, and that rescuing him could maybe have resulted him into bodily ham hence the individual nature to stay away. Another interesting case of this nature is one regarding reporters and paparazzi and their duty to rescue others from danger. This is because many times photos are publicized of the dying moments of people in crime scenes and accidents posing the thought whether the one who took the photo should have saved the persons life instead of taking the photo of their last breathing moments. This was brought into considerations and as current they do have the duty.

Global market strategy for LOréal

Global market strategy for LOrà ©al The word globalization came into limelight in the 80s. Now in 21st century this has become a household name. Some analyst says that this will swallow whole small and mid cap companies but as my perception the whole concept of globalization has changed the scenario of the world. No one have to fear in this scenario. Everyone has a market to trade in. The world has become a single market. The only thing is the survival of the fittest. If you have to survive then you will have to fight. Otherwise you will be thrown out of the market. With the help of globalization many small and mid cap companies have become multibillion dollar enterprises. This has created a whole new trend of entrepreneurship .Now everyone want his share in the business world. Lots of opportunities are opening. Above all, LOreal, the worlds largest cosmetic and beauty company is doing an extraordinary work .LOreal is the one of that kind of company, which is taking full profit of globalization (LOreal: The Beauty of G lobal Branding (intl edition)). As we all now, every coin have two sides, same goes with globalization. It is opening new market, new opportunities, with these it is also bringing new challenges. Because every country has different culture, different government rules and many more factor. So management has a large burden for expanding business. But business is not about only expanding business; it should also be profitable (Strategy Analysis of LOreal). Otherwise there is no need of expansion. So every company has a tough task in maintaining a balance between growth and profit. Also in newer market there are local competitors, who get a lot of subsidies, this makes business worst competition. Also there is a challenge of making a relationship with customers. Customers should feel about products. Product range should be also large, because market is full of different kind of customers. Every customer has a different taste, and to satisfy all of them is a very tough task. There also genre problem, youth like far diff erent thing than older people and middle aged people. The product also should be a household name, like when we go to buy a cold drink we dont ask shopkeeper to give any cold drink. We say them to give either PepsiCo or coke product. This same goes to LOreal, which has now become a household name in many new emerging marketing many countries, where LOreal have started its business has become leader of that market or it is climbing the leader of success too fast. There is a very bigger problem regarding the globalization for the companies about the suitability of the products in new markets. Every country is diversified. Environment and conditions are too different. So product suitability is very important for a global company. These all make research and development section very important for any MNCs. It is like backbone of a company. If any company has to survive in newer market then RD is a very key factor for a company. LOreals RD part is too much smart and innovative. LOreal is leading the market with its new range of product for all genres, all environment. Innovation is very important in todays market. Since every company is coming with a whole new range of products so to survive in market any MNC should be one step ahead from its competitors. LOreal is leading at this front also .Nanotechnology is a key sector now for whole world .it has the largest number of innovation to come in future. Every product is shrinking. It has also touched cosmetic industry. LOreal is the top Patent holder in United States and leading this industry from front. About LOreal LOreal group is the largest cosmetics and Beauty Company of the world in terms of both shares and sales. It has registered office in the city of fashion i.e. Paris and the head office in Paris and Clichy, France .Its area of business spread in the field of cosmetics and other beauty and makeup products both for men and women. LOreal is mainly concentrating on hair color, skin care, sun protection, make-up, perfumes and hair care. LOreal also has a wide interest in the dermatological and pharmaceutical fields and is the top nanotechnology patent-holder in the United States. The idea of LOreal came to mind of a young French chemist Eugene Schuler when he developed a hair dye formula called aureole in 1907 and sold it to local Persian hairdressers after self formulating and manufacturing the product. In 1909, he registered his company as the societal franquise de teintures inoffensives pour cheveux, translated as the safe hair dye company of the France which later came as what is now known as one of the best brands of the world i.e. LOreal (Reddy, 2010) LOreal has 23 global brands with a total gross revenue of $17.5 billion 2009 and $19.5 billion in 2010 and a total profit of $2.4 billion dollar in 2010 which is considered as a very remarkable achievement. Main stock holders of the company are Bettencourt family which holds around 31% of the total shares, nestle which holds around 30%, 2.4% by treasury shares and 36% are publicly traded shares. The current scenario of the global trade between different countries refers to the situation where it is clarified that no country can be independent in terms of economics, or in other words every country is becoming interdependent on each other. The trade between countries is increasing day by day as one country is dependent on another country for satisfy their needs and demands for different products like almost every country in this world is making trade relations with the gulf countries for satisfying their needs for fossil fuels as fossil fuels like patrol and diesels is of immense use in many industries like the automobiles industry, aircraft industry, machinery, almost everywhere. Therefore it is very important to maintain good economic and trade relations with the other countries if a country wants to survive in the global market. LOreal for ex. had increased the scope of trade throughout almost every country of the world, LOreal has to face many problems in the meanwhile like there are many countries who doesnt allows trade relations so flexibly like for ex. Japan had a trade policy that doesnt allows the USA to sell much of their products while they are selling their products to the USA, there are many countries in the world that doesnt allows flexible and open trade relations. The company is facing both tariff and non-tariff related issues in doing trade with the countries, fortunately for LOreal tariff problems had been reduced to a record level but the trade barriers are still one of the major problem that hinders in the way of making trade relations to other countries. Previously LOreal was concentrating on selling its products and doing business deals with countries like Western Europe, United States, and Japan as the market in these countries was very much open for foreign trade and there were not many opportunities for the company to trade, but nowadays as the concept of globalization is spreading around the globe, countries like Latin America, India, china, Russia, Asia, eastern Europe, and Africa are emerging as the major players of the market and is considered the economies that is likely to be the major economies of the world in future, these countries are continuing to open its trade with outside countries and offering policies which are very attractive for companies of different countries. Likewise LOreal is taking advantage of the open market and the concept of globalization and is opening its retail stores in many countries of the world including India and china which are considered the fastest growing economies of the world. This policy adapted by the company is not only helping them in trade with other countries and spread its business across the globe but also giving a firm advantage to peoples of different countries as well as benefitting them with the best technology of different economies. As the consumer now has a very large range of products to chose from, and this is giving LOreal a good competition while increasing its market shares in the global economy. With the introduction of the world trade organization (WTO) the open trade between countries had went up at a record breaking speed in terms of economics and had opened gates for trade among countries. And after the introduction of general agreements of tariff and trades (GATT), LOreal had increased participating in maintaining close economic relations with other countries and also opening their franchises in different countries. LOreal had developed a global management committee for foreign trade as well. After the introduction of the WTO, LOreal had also introduced new products and brands as well under the tag to increase the interest of peoples in the brand. Global marketing strategy As I stated in my introduction part, I shown that globalization is very important in todays world. So for every company there should be a good global marketing strategy. Here are some of the examples of global marketing strategy of LOreal. The four major strategies consists of four Ps i.e. product, price, place, promotion product This is the one of the most important part for marketing strategy for loreal to trade in countries which have all together a different economy. LOreal has five worldwide research and development centers: two in France, one in the U.S. New Jersey; one in Japan Kawasaki, Kanagawa Prefecture; and in 2005, one was established in Shanghai, China. A future facility in the US will be in Berkeley Heights, New Jersey. In 1920 the company has only 3 chemists and now it is reaching the peak with a sum of 2000 chemists. Five worldwide research and development centre shows how much dedicated team is of LOreal to fulfill customers satisfaction and make sure what should be the product variations according to the countries. The production and marketing of product Research and Development part has also a lot of cultural problems. Many countries have liberal government and liberal media. But in many part of the world research for new products according to the environment are a sensitive area for LOreal to look for. Like in America group of protestors from the NGO nature watch protested to Company that it continues to test new ingredients on animals without proper measures. So there should be research in proper manner so there should be no protest as it deviates the consumer mind. Ultimately the company has to suffer the revenue with a loss. Moreover selecting a product to sell according to countries is a much bigger task for both the production department and the research and development department. price LOreal has spread its reach in 130 countries and trying to spread it more. It is necessary to expand area to become global and company is best at it. LOreal has 23 global brands which make it a versatile company for all consumers. Large coverage is not of worth if there is not profit. And company is waving flag at this corner, in 2009 it had total revenue of 17.5 billion dollar and in year 2010 it reached to 19.5 billion dollar with increase in net profit. Increase in profit and revenue in this competitive condition is very fruitful for country. But the major emphasis of LOreal is on selecting a price band for all the products which LOreal deals in countries like consider the Asian continent, in Asian continent the price band for products is selected in the range of moderate to low price depending on the country and in the united states the price band for products is very high from the perspective of the Asian continent. So the pricing structure should be the major factor that should be kept in mind and also considering the quality that LOreal delivers. place It has 64,600 employees worldwide. This big dedicated and intelligent team Of LOreal makes operation successful of company and delivers best product to consumers. With large number of human resources also come a lot of problems. Like Problems related to wages and many other issues are painful for any company. But LOreal is handling this very well with no any employee problem that is picture perfect case for LOreal. LOreal has a very good employee base which is very highly qualified as their training methodology is very good, LOreal picks up their employees from the country itself within which they are trading. LOreals strategy changes place to place for ex its strategy of trading in the Asian continent is very much different as that of the European continent and the north American continent as the peoples of the European continent and the north American continent is very much obsessed with the lifestyle and other things but the peoples of the Asian continent is not so obsessed and not so much interested in the lifestyle products like cosmetics and hair products. That is why LOreal has a totally different strategy depending on places they are trading in. promotion To increase market cap sharply, acquisition is so important. So in March 2006, company bought The body shop in 652 million. And thereby promoted themselves among various countries where the companies that LOreal acquainted trades. These acquisitions increased the brand value of LOreal too much. This is good for global strategy of company also company is searching for new fresh opportunities to acquire new few good companies. LOreal is also serving society in many ways .This part is also important in global marketing since these things attaches customers to the company. Company is encouraging an outstanding researcher every year for scientific progress with LOreal-UNESCO Awards for Women in Science. It also organizes LOreal Brainstorm every year with prize money $10000 for students in 43 countries. Thus delivering a message of a company with human values, this helps in promoting themselves around the globe as a descent companies and thus help LOreal to promote themselves and trade healthy business across the globe. These society serving cause make a good relationship with customers also the tag line is important. The companies is changing it as per customers initially the slogan was because Im worth it now has been changed to because were worth it. The shift of us from I makes customer feel nearer. This is best for the company, since company faithful customers are heart of the company. According to the concept of globalization, a company which is guided by and run on the global marketing orientation or philosophy is generally referred to as a global company and so is LOreal a global company according to the concept. The global market analysis says that LOreal should have to focus on a standardized marketing strategy that can be implemented across the boundaries. Global strategies for different continents Asian continent Consider for ex Asia, most of the countries in the Asian continent are developing countries like India, china, Indonesia, and sri lanka etc. the economies of these countries are considered developing. And in the future these countries like India and china promises to be a fully developed and one of the biggest economies. And moreover India is one of the hot spots for global cosmetic players like LOreal. Therefore LOreal needs to definitely look upon to the pricing strategies and product specifications in great details; moreover there are some more objectives that LOreal need to look upon to improve their business in India. LOreal has various strategies and concerns that needs to be sharpen, LOreal is focusing on to adopt local culture for the development and promotion of their product in the Asian subcontinent. The major business of LOreal in the Asian continent is divided in two parts first in the developed countries like Japan, Singapore, and UAE etc. and second in the developing countries that majorly includes India and china. LOreal is having a very good strategy for selling their products in the European continent. As the peoples of the Asian continent is not so obsessed with the premium products and is satisfied with simple daily use products of LOreal, therefore LOreal is having emphasis on only selling their regular use products in the Asian continent and not very much obsessed with selling their premium products in the Asian continent. Therefore LOreal is developing strategies for trading in these countries, for e.g. take India for consideration, LOreal is going local on all levels for trading in India, as they have a totally different pricing structure for the peoples of India plus they are having an Indian brand ambassador for promoting their brand in the country. These strategies are enabling LOreal to improve their trading in the Asian continent. The major thing that LOreal is focusing right now is the promotion of their brand on a grand level so that they can trade with more and more countries of Asia. Loreal in India LOreal entered into the India market in the year 1997 in order to capture the loophole in the hairdressing industry in the country as there was not a sniff of structure in this industry. At present the hair industry of the country has Rs. 200 Crore business and LOreal is the market leader in the hairdressing industry in the country. LOreal professional products are very well known in the country and the company spends a big amount of the manufacturing into the research and development of the products. The main strategy on which the company works in India is that it skims top 100 cities of the country and created largest salon bases which contribute around 40 percent of the total revenue by LOreal. Many of the competitors in the country try to follow same strategies but could not reach the same level (LOreals success story in India, 2005). European continent As European continent is the base and the major market of LOreal therefore LOreal is focusing more and more on trading in the European continent that includes majorly Paris, England, Germany, and the Italy. These countries i.e. Italy and France are considered as the fashion capital of the world and as LOreal is based in the France therefore the major emphasis of LOreal is to deliver best in quality products for the peoples of the European continent so as to earn customer satisfaction and also to promote them. The major emphasis of LOreal is to make a firm base in the European cosmetics market and the pricing structure of LOreal is also of premium category in the European market as the peoples of Europe is considered rich and wealthy in terms of economy and moreover the lifestyle of the peoples in the European continent is such that LOreal can make at most advantage of that in terms of sales and promotion. According to figures the European continent is the biggest consumer of the products made by LOreal. The main advantage that LOreal enjoys of trading in the European continent is that the culture of the peoples of the European continent is very advanced and they could pay whatever it takes for a cheerful and healthy lifestyle. Not only the women but mans are also very much obsessed about the living lifestyle in terms of looks and presentation. LOreal is having a lot of consumers for the consumption of their premium products in the European continent therefore they have no need to change strategies to deal on the premium products in the European continent. LOreal is getting a very good competition from other brands in this field, therefore they needs to focus on their pricing and promotional strategies to trade in the European continent. LOreal in Italy In order to get success in the beauty product sector, LOreal employed more than 2000 employees and got more than one billion Euros. Company created several offices all around the world. The problem with the directors of Loreal in Italy was to manage the information as there was not effective flow of information and also decision making in the company was poor. In order to give a dramatic impact on the productivity of LOreal in Italy, management of the company proposed a better management of the email and improvement in access to the corporate data in order to improve the informational flow and decision making of the company so that the productivity of the company could be better. This was the main strategy played by LOreal in Italy (Lano, 2008). North American continent Like the European continent, the peoples of the north American continent is also very much obsessed about their looks and presentation, therefore LOreal has a very good chance to trade in this country and that is what LOreal is doing for past many decades, the major consumers of LOreal in the north American continent is from the united states of America and the Canada. As the United States of America is the biggest economy till date therefore LOreals business is blooming in the states. The major states of the USA such as New York which is one of the fashion capitals of the world and the Las Vegas and the Los Angeles which is considered as one of the most happening cities of the world where people is highly obliged to fashion, LOreal has the biggest market in the US after the European countries like France and Italy. LOreal is also facing a great challenge from other major competitors of the USA but still they are finding themselves at the top of the list because of their policies of products, promotion and pricing according to the place. The peoples of the north American continent can afford premium products therefore the main source business of LOreal in the north American continent is the premium products unlike the Asian continent where people are not very much interested in the premium products. The peoples of the North American continent mainly youths are very much impressed with the products offered by LOreal, and the pricing structure of the products of LOreal is also very nominal in these countries therefore people are keen to use these products. LOreal in US LOreal success in US mainly depends on the anti aging cream which has been launched in recent time in the country. It is predicted that future success of LOreal in the country mainly depends on this product by LOreal. Main reason behind this is that anti aging skin care cream has the marketing leading growth in the country and there is more and more number of competitors emerging with this product in the market. Hence, it has become necessary for the company to keep a real focus on the anti aging cream segment. Skin care segment in US is heavily competitive and hence LOreal research team is trying to maintain its share in the market of 13.5 percent and is not focusing to increase the share (Pitman, 2010). LOreal in Mexico In order to get success in the beauty industry in Mexico, LOreal Mexico has chosen Digimind for the marketing and intelligence need for the company. Company mainly focuses on the innovation and creating a large customer base with new and successful product line for the customers. In Mexico, LOreal has been one of the leading cosmetic companies and has a real quest for the innovation and excellence. Digimind has been hired by the company which is considered as one of eh most profitable company since its inception and has a constant growth rate of 50 percent (LOreal Mexico trusts Digimind for its Competitive Intelligence system, 2010). Oceania Oceania includes countries such as Hawaii, Philippines, and some minor islands such as Bonin Islands etc. The trading links of LOreal is not so much in these countries but it is increasing day by day since the concept of globalization is introduced, LOreal promises to have a very good trade in these countries in the future as the trade of LOreal is growing. The major product that is consumed in these countries includes sunscreen and other products like body lotions and other sun blocking creams. The strategy of LOreal to deal in the Oceania subcontinent is quite different from what we have discussed earlier. The pricing structure of the products of LOreal is very much in accordance to the needs and demands of the peoples of the Oceania subcontinent. The Oceania subcontinent is still to be explored by LOreal and LOreal is promised to do a good trading business in the subcontinent as the needs of peoples in this subcontinent is shifting from mere sun screen to other products offered by LOreal. Understanding of different cultural distinctions for international market The knowledge of different cultures is very important for LOreal in order to make a firm base in the market of any country. The different factors that are very important for LOreal to look upon are: The effect of culture of the country is one of the major aspects that LOreal needs to look upon as cultural factors like whether the country is agriculture based or industry based country had a direct impact on the survival of the company in the targeted country, the understanding of the cultural variations is also very important for any company in order to make business and forming a firm base for their products in an economy. The success of any multinational company or a specific product depends very much on the purchasing power of the peoples of that country and also the effect and success of the product in the country. For ex. LOreal is having a different pricing structure for different country and also the product specification changes according to the culture for e.g. the product used in England may be of no use in Asian country and vice-versa. Therefore before making a trade with any organization or country it is very important for LOreal to check out the feasibility of the pr oduct in that country and the end user. Effect of geography is also a very important factor that should be kept in mind while trading with any country. For LOreal especially this factor is of immense importance in deciding the feasibility of trade with the country because there are many things that should be kept in mind while doing any trade within any country like checking out the feasibility of the transportation and goods to places like countries in which terrains are very rocky and full of mountains and plateau it is very hard for LOreal to transport its products through any mode of road and by air if there is not an efficient air transport services in the country, though it is easy for the storage of cream and related products in such type of areas in which the temperature are low. On the other hand if the road transport system is good in some place then there is a possibility that the place lies in a tropical region where the temperature is very high therefore it would be very difficult for the company to have a pro per storage at a low temperature. Therefore feasibility of the trade in geography like this should also be considered (Wahlen, 2006). Technology and economics should be considered while having a trade between any countries. I.e. the project manager who is working on to check the feasibility and the trade chances with the country should also see if the country have enough technological advancement so that they can store and produce their goods at the place itself i.e. constructing a manufacturing unit rather than importing the product from the head manufacturing unit in the parent company. Thus this is very important for LOreal to make sure if the companies to whom they are going to make trade relations are equipped with advanced technology so that they can produce the products in the quantity they want to without having many problems. Another important thing that should be kept in mind is the economic condition of the country i.e. the company has to be made sure that if they are investing some money in a project of establishing a business in a country than they are getting enough returns in turn, and that could onl y be defined by the economic condition of the country like in the western European countries like France and England and in the united states where the economy is very solid and established it is very easy to LOreal to have a better customer base, and likewise LOreal can invest much money in the developing countries like India, china or Latin American countries where the lifestyle of peoples is enhancing and peoples are more keen to use products that are considered luxury and of a very high quality. Another major point that LOreal should kept in mind while doing trade within any different country is the political economy of that country i.e. the policies of doing trade within that country like for e.g. the united states are having a very open trade policy which allows any company to trade within the country without having much restrictions of trading, but in some countries like the china and Japan who is not so open in terms of open trading and lays emphasis on selling their own country made products rather than supporting some foreign brand, therefore it would be very difficult for LOreal to have a business base in these countries, and in countries like India which is a developing economy and which allows trading without having much restrictions and peoples of whom are developing with the developing economy with change in the lifestyle (Comezz). Therefore the major things that should be kept in mind for LOreal while doing business in the global market according to the very concept of globalization is to form an effective global strategic team for defining the trading policies to work in any country, the globalization strategy should comprises of major factors like cultural differences, economic policies of the country etc. moreover the changing lifestyles of the peoples and the rapidly changing economies should also be kept in mind

ITHotels in Europe :: Free Essay Writer

ITHotels in Europe Introduction The future, what is that. What will happen when the inhabitants of our globe start travelling and ask for connections to the world? Connections that will provide us with information about the world and the place we are visiting? What will happen when people ask for better evacuation alarms in our hotels and what will the digital TV give us. With a digital TV, we mean a television that is intelligent, the only thing we need to do is program the television and the digital electronic chip will figure out the rest for us. We will feed the TV with the information we want and it will automatically display them on the TV screen in a way that will be the best to you. It is in the specification that a single channel of digital television can have as many as 1,024 different programs, but they don't all have to be TV. It might be radio, computer signals or telephone signals. Can we in the hospitality industry offer all this? YES WE CAN. To remain competitive in business today, every organization needs to adopt new technology as it develops. As businesses become increasingly dependent on this new technology. Hotels called IT Hotels (information technology hotels) are under growing pressure to design and implement systems that provide greater business benefits. When a hotel adopts the new technology or Internet based-solutions, it has widespread implications throughout the organisation. The hotel might require a whole new set of skills to manage a completely new way of doing business. Whether the hotel implements an Extranet to integrate its supply chain or an Intranet to manage the flow of internal information, the new technology will create both opportunities and challenges for every IT-Hotel. The story behind IT-Hotels is their need for connections to the world and the publics’ demand for access to the world wherever they are. A certain amount of confusion has arisen over the meaning of an â€Å"IT Hotel†. Guests wonder what this means and in certain cases even â€Å"ordinary† hotels have called themselves IT-Hotels. The time when a well-furnished hotel room consisted only of a chair, a bed, a table and a lamp is over. For this reason the term IT-Hotels is here to give us a new meaning of what a well-furnished hotel room is. IT-Hotels will offer the hotel guests the means of using analogue connections, digital connection (ISDN) telephones and data communications, as well as network connections to the Intranet and Internet.

John Locke V Thomas Hobbes Essay

Locke and Hobbes both had detailed accounts as to what the state of nature is. I will start with Hobbes and what he felt the state of nature is made up of. Hobbes believed in defining the state of nature as what it is instead of what it ought to be. So he focused in on the nature of people and came to a very descriptive conclusion as to how survive in this particular state of nature. He stated that man was equal in ambition, cruelty, and treachery, which in turn makes humans equal in the ability to kill each other. This is important because he believes that people can not live in peace in the state of nature because of those reasons. Also because of this he states that there are three principals of quarrels; competition, diffidence, and glory. Hobbes feels that because of human nature these three reasons to fight would take over and make the state of nature a state of war. Locke also has an opinion to the state of nature. He feels that men would respond to things and people around them with reason and rationality. Therefore he feels that a state of nature for the most part peaceful and pleasant. He also states that the natural law would guide humans in a state of nature. He thinks that people know right from wrong and are capable of doing both but it is upon the individual to carry out these values. In order to deal with the state of nature each of the two suggests a social contract. Whatever the contract is should be the obligations placed upon the people. They both believe in this particular agreement they just differ as to who it should be between. Hobbes speaks of the Leviathan and believes that the contract should be between the ruled and the ruler. He states that a strong ruler is the only way to enforce the social contract. He says that all me are born with three rights: the right to property, liberty, and life. He believes that the only important right is the right to life because without that right you cannot have a chance to enjoy the other two. So his contract consists of the subjects giving up the other two to the leviathan so that he can ensure the right to life. Locke’s social contract differs in many ways. One of them is Locke does not believe that individuals should not give up liberty, but instead give up the right to punish people who commit wrongdoings and leave that up to a overwhelming force, in this case the popular sovereignty. His belief of the state of nature which is that man would use their reasoning and be rational when dealing with other people. So his contract is between the elected and the people. Locke and Hobbes social contract may be different but in ways they are similar. They both believe in revolt if the contract is broken, but they state it differently. Hobbes believes in the monarch so the revolt against him would be different then Locke’s society of popular sovereignty, but in short it both of them called for persecution in such case. Still the case that called for persecution would naturally be different because of the different types of governments these men called for. For example Locke says it is time to revolt when a ruler tries to get absolute power of the people; but Hobbes states that the leviathan needs to have absolute power and the only time to revolt is if the monarch is not able to protect the people he rules over. Hobbes explains the relationship between the subjects and ruler as do what you told and you will not be killed. This means that these people could not say anything about the way the sovereign is running the kingdom or you are subject to death. This is so in the way Hobbes looked at it because the only way to control the people is a state strong enough to persecute someone for this particular reason. The monarch that Hobbes feels is the only way to govern should not be questioned by anyone as so long he is able to protect the people of the land. Locke’s view of the relationship is really different. Based on the concept of popular sovereignty the sovereign are the people; so the relationship is more give and take or democratic. This is a very important concept to Locke’s ideas because this is what differs him the most from Hobbes. His democracy is broken down into three branches; executive, legislative, and federal. The elected officials in these positions are an extension of the people so the people who make up the state serves the people until the people are tired of them. What Hobbes and Locke say about people moving into a political society from a state of nature is pretty similar and all most the same. Both say that contracts between people were necessary, but the dilemma in that is that in a state of nature there is no one to enforce the contracts between people. Both of them thought about this concept and figured that in order to move in to a political society someone was needed to enforce these contracts. Hobbes believes that the only one strong enough to force contracts is the monarch. Locke believes the same thing about someone being strong enough to force the contracts but he thinks it should be the elected doing so. Locke’s two treatises limited sovereignty more so than it has before. Locke called for a separation of powers. He broke it down into three sections and combined it with the popular sovereignty; therefore the many limitations were in place. I believe Locke included this idea into is first and second treatise because he wanted to not allow the abuse of power that is so evident in a monarchy. This is important because this is what our American system of democracy is based upon. Hobbes system of government there is very little limitation. The only limitation I can see is when the monarch does not provide for the security of the people and they revolt. Though that limitation is called upon by Hobbes the rest of the terms of the monarch have no limitations. The monarch is the ruler and no one can go against him because he is the divine and going against him is going against god. So the limitations of a monarch are pretty much is inexistent in Hobbes’s the Leviathan. The rights of the subjects according to Hobbes are the right to live and that is it. The other rights now belong to the Leviathan; this is needed according to Hobbes to ensure security. A monarch that gives too many rights to the people is too weak to defend them. This is so because if the monarch is questioned a lot it takes away the fear of the ruler. Hobbes says that fear is needed to keep the people in check. Therefore a sovereign must practice a policy known as shock and awe. Without this strategy someone would feel that they might be able to challenge the monarch. So rights that the subjects hold on the sovereign are limited to the right to revolt if the monarch fails to protect them. Locke thinks that people should hold more rights to the elected. The subjects have the right to put people in the state and take them out. Locke gives people the right to liberty and property. This is different from Hobbes because Hobbes said to give those rights up. Locke says that you can have rights that Hobbes said would not work in transforming into a political society. Hobbes says that subjects cannot ensure that the sovereign roles for the greater good. Because if they are alive it is the greater good according to Hobbes; so what can they do to ensure that the ruler is operating for the greater good? According to Hobbes nothing because you can not go against the Leviathan on how he is ruling, and to do so can result in you getting killed. So once again the subject has very little to say in the Hobbes ideology. Locke also has a conflicting view with Hobbes on this ability to check the sovereign to make sure he is operating for the good of the people. The main thing that allows them to ensure what the government doing is right is the ability bring charges against any wrongdoings. This is powerful because it does not only kick those people out of office but also brings persecution to them. Another powerful way to make sure government is doing the right thing is the ability to vote or not to vote for people who make up the state. Both Locke and Hobbes are modern political philosophers with different ways of reaching the same objective. Their objective is to transform a state of nature into a political society. Though they disagree on what a state of nature is and they disagree on which is the better political society, but both were apparently right. This is so because both of the philosophies can be applied to life today, which is in a whole different context of their time.

Financial Analysis on National Bank Ltd. Essays

Financial Analysis on National Bank Ltd. Essays Financial Analysis on National Bank Ltd. Essay Financial Analysis on National Bank Ltd. Essay The then President of the Peoples Republic of Bangladesh Justice Ahsanuddin Chowdhury inaugurated the bank formally on March 28, 1983 but the first branch at 48, Dilkusha Commercial Area, Dhaka started commercial operation on March 23, 1983. The 2nd Branch was opened on 11th May 1983 at Khatungonj, Chittagong. At present, NBL has been carrying on business through its 124 branches and 11 SME / Krishi centers (total 135 service locations) spread all over the country. It has drawing arrangements with 415 correspondents in 75 countries of the world, as well as with 37 overseas Exchange Companies located in 13 countries. NBL was the first domestic bank to establish agency arrangements ith the world famous Western Union in order to facilitate quick and safe remittance of the valuable foreign exchanges earned by the expatriate Bangladeshi National NBL was also the first among domestic banks to introduce international Master Card in Bangladesh. Despite shaken domestic economic condition due to global recession, performance of 2009, the year under review was noteworthy. In 2009, the pretax profit of National Bank stood at 3,197. 50 million, registering a growth of 13. 03 percent over the previous year and profit after tax other provisions stood at Taka 2,070. 47 million reflecting a growth of 36. 45 percent. Further, banks revenue, loans advances, deposit and assets registered a growth of 22. 98, 28. 55, 27. 6 and 27. 53 percent respectively. Capital adequacy maintained at Tk. 9,124. 62 million, which was 13. 56 percent against statutory requirement of 10 percent. The earning per share for the year 2009 was Tk. 72. 74 compared to Tk. 53. 31 of previous year. Being a regular tax payer, the bank made a direct contribution of Tk. 1, 366. 20 million to Government Exchequer in 2009 representing an increase of 79. 35 percent over 2008. Detailed facts-figures and disclosures are available in the financial statements and notes of accounts for the year 2009. Products and Service ? Deposit product. ? Credit product. ? Cards. Deposit Product 1. Saving Deposit National Bank Limited offers customers a hassle free and low charges savings account through the branches all over Bangladesh. Benefits (Condition Apply) ? Interest rate of 6. 00% on minimum monthly balance. ? Minimum balance Tk. 1000. ? Maintenance charge yearly Tk. 400. ? No hidden costs. ? Standing Instruction Arrangement are available for operating account. Account Opening ? 2 copies of recent photograph of account holder. ? Nominees Photograph. ? Valid photocopy of Voter ID Card. 2. Current Deposit National Bank Limited offers customers current deposit facility for day-to-day business transactions without any restriction. Benefits (Condition Apply) ? Minimum balance Tk. 2000. ? Minimum maintenance charge yearly Tk. 800. No hidden costs. ? Standing Instruction Arrangement are available for operating account. ? Easy access to our other facilities. Account Opening ? 2 copies of recent photograph of account holder. ? TIN certificate. ? Nominees Photograph. ? Valid photocopy of Voter ID Card. 3. Term Deposit ? Short Term Deposit. ? Fixed Deposit. a) Short Term Deposit National Bank Limited offers interest on customers short term savings and gives facility to withdraw money any time. Benefits (Condition Apply) ? Minimum balance Tk. 2000. ? Minimum maintenance charge yearly Tk. 800. ? Standing Instruction Arrangement are available for operating account. Account Opening 2 copies of recent photograph of account holder. ? Nominees Photograph. ? Valid photocopy of Voter ID Card. b) Fixed Deposit National Bank Limited offers fixed term savings that will scale up your savings amount wtih the time. Benefits (Condition Apply) ? Any amount can be deposited. ? Premature encashment facility is available. ? Overdraft facility available against term receipt. Account Opening ? 1 copy of recent photograph of account holder. ? Nominees Photograph. 4. Foreign Currency Deposit ? RFC Deposit ? NFC Deposit. a) RFC Deposit National Bank Limited gives opportunity to maintain foreign c urrency account through its Authorized Dealer Branches. : Bangladesh nationals residing abroad or foreign nationals residing abroad or Bangladesh and foreign firms operating in Bangladesh or abroad or Foreign missions and their expatriate employees. Benefits (Condition Apply) ? No initial deposit is required to open the account. ? Interest will be offered 1. 75% for US Dollar Account , 3. 00 % for EURO Account and 3. 25% for GBP Account. ? They will get interest on daily product basis on the credit balance (minimum balance of US$ 1,000/- or GBP 500/- at least for 30 days) maintaining in the account. Account Opening ? 2 copies of recent photograph of account holder. ? Nominees Photograph. ? Passport Copy. ? ID of residence in abroad. b) NFC Deposit National Bank Limited gives opportunity to maintain foreign currency account through its Authorized Dealer Branches. All non – resident Bangladeshi nationals and persons of Bangladesh origin including those having dual nationality and ordinarily residing abroad may maintain interest bearing NFCD Account. Benefits (Condition Apply) ? NFCD Account can be opened for One month, Three months, Six months and One Year through US Dollar, Pound Starling, Japanese Yen and Euro. ? The initial minimum amount of $1000 or 500 Pound Starling or equivalent other designated currency. ? Interest is paid on the balance maintain in the Account. This interest is tax free in Bangladesh. Account Opening ? 2 copies of recent photograph of account holder. ? Nominees Photograph. ? Passport Copy. ? ID of residence in abroad. 5. NBL Monthly Saving Scheme National Bank Limited offers monthly savings scheme for its retail customers. Benefits (Condition Apply) ? Monthly installments of deposit will be Tk. 500/-, Tk. 1,000/- , Tk. 2,000/- ,Tk. 3,000, Tk. 4000/- , Tk. 5,000/- and Tk. 10,0000 ? Account may be opened for any installment and term, which is not changeable. ? A person is allowed to open more than one account for different installment in a Branch/ Bank. |Sl no |Monthly Installments (Taka) |Amount to be paid on completion of Term | | | |3(Three) years @9. 00% |5(Five) years @9. 25% |8(Eight) years @9. 0% | |01 |500/- |20,627/- |37,896/- |70,849/- | |02 |1,000/- |41,255/- |75,791/- |1,41,691/- | |03 |2,000/- |82,510/- |1,51,583/- |2,83,394/- | |04 |3,000/- |1,23,765/- |2,27,374/- |4,25,091/- | |05 |4,000/- |1,65,020/- |3,03,166/- |5,66,788/- | |06 |5,000/- |2,06,274/- |3,78,957/- |7,08,485/- | |07 |10,000/- |4,12,549/- |7,57,914/- |14,16,970/- | Credit Product 1. Overdraft BL offers overdraft facility for corporate customers for day-to day business operations. Benefits (Condition Apply) ? Low charges in overdraft account maintenance. ? Facility is available against deposit receipt or mortgage property. ? Low interest rate 13-16%. Account Opening ? Introductory current account. ? Others necessary documents as per loan requirement. 2. Lease Financing National Bank Limited offers leasing facility for clients with easy installment facility. Financing Area ? Capital machinery. ? Different equipments. ? Gas, Diesel generator and Power plant. ? Medical equipments. ? Lift or elevator. ? Inroformantion Technology equipments. ? Construction equipments. Consumer durables. Benefits (Condition Apply) ? Competitive monthly rental. ? Tax benefit. ? Fast processing. ? Easy handover after leasing period. 3. House Building NBL offers home loan facility for purchasing flats or construction of house. Benefits (Condition Apply) ? Financing amount extends up to 70% or Tk. 7 5, 00,000 which is highest of total construction cost. ? Grace period available up to 9 months in flat purchase or 12 months in construction. ? Competitive interest rate. ? No application or processing fee. Eligibility ? Any Bangladeshi citizen or NRB, who is capable of repayment, can apply for this loan. 4. Small medium Enterprise NBL offers financial support to small businessmen/enterprise with new products named Festival Small Business Loan and NBL Small Business Loan has been introduced in the Bank. Benefits (Condition Apply) ? Maximum Tk. 3. 00 lac (Festival Scheme) and Maximum Tk. 5. 00 lac (Small Business Scheme) ? 3 Months (Festival Scheme) and 5 years (including 1 month grace period (Small Business Scheme)) ? Collateral Free Advance. Eligibility ? Any genuine and small businessmen/ entrepreneurs/enterprise having honesty, sincerity, and integrity. 5. Consumer Credit Scheme NBL offers consumer credit facility for retail customers. Financing items ? Electronics consumer products. Computer or Computer accessories. Benefits (Condition Apply) ? Fast processing. ? Competitive interest rate. ? No application or processing fee. ? Easy monthly installment. 6. Trade Finance NBL provides comprehensive banking services to all. types of commercial concerns such as in the industrial sector for export-import purpose as working capital, packing credit, trade finance, Issuance of Import L/Cs, Advising and confirming Export L/Cs. Bonds and Guarantees . Benefits (Condition Apply) ? Low interest rate 13. 00%-14. 50%. ? Minimum processing time. ? Low service charges. Cards 1. Credit card NBL Credit Card is accepted in many merchant outlets around the world. Our wide range of merchants include hotels, restaurants, airlines, travel agents, shopping malls and departmental stores, hospitals diagnostic centers, jewelers, electronics computer shops and many more. Benefits (Condition Apply) ? Dual Currency Card Facility. ? Lowest Rate of Interest. ? Lowest Card Fees. Special Discount of Card Fee *** condition applicable. ? You can transfer 80% amount of your Local Card Limit to any NBL A/c or have Pay Order Facility. ? No Excess Limit Charge. ? No Hidden Charges. 2. NBL Power Card NBL Power Card is the first debit card for which you don’t have to maintain any account with our any branch. Benefits (Condition Apply) ? It is a Pre-paid Card. ? Annual / Renewal Fee Tk. 200/- only. ? May be issued and refilled from RFCD/FC Account. ? Accepted at all VISA POS merchants. Cash withdrawal at all ATM booths bearing VISA and Q-cash logo(Except HSBC in Bangladesh). ? Drawing of Cash: (i) from NBL ATMs Free of charges (ii) From ATMs under Q-cash network- Tk. 10. 00 per transaction (iii) From other ATM Tk. 100. 00 per transaction. ? Cash Withdrawal Fee (aboard)-2. 00% on the cash drawn amount or US$2. 00, whichever is higher. ? Only 1% loading fee against both International and Local Power Card at the time of Refilling. ? Yearly Tk. 100 for enrollment of SMS service. Account Opening ? 2 copies of your recent photograph. ? Nominees Photograph. ? National ID Card ? Birth Certificate BALANCE SHEET As at 31 December 2009 |PROPERTY ASSETS |2009 2008 | |Cash |6,843,689,881 |5,421,055,640 | |Balance with other Banks Financial Institution |2,490,371,694 |1,174,813,554 | |Money at call short notice |1,359,800,000 |3,089,900,000 | |Investments |12,315,204,277 |9,156,612,128 | |Loans advances |64,962,312,154 |50,665,074,783 | |Fixed assets including land, building, furniture fixtures |1,815,564,664 |1,583,387,810 | |Other assets |1,740,385,536 |716,430,198 | |Non-banking assets |384,788,241 |397,763,841 | |TOTAL ASSETS |91,912,1 16,447 |72,205,037,954 | | | | | |LIABILITIES CAPITAL |2009 |2008 | |Liabilities-Borrowing from other Banks, Financial Institution |1,390,919,847 |1,256,555,900 | |Agents | | | |Deposits other accounts |76,814,651,280 |60,187,435,050 | |Other liabilities |4,789,781,786 |4,634,780,266 | |TOTAL LIABILITIES |82,995,352,913 |66,078,771,216 | |TOTAL SHAREHOLDERS EQUITY |8,916,763,534 |6,126,266,738 | |TOTAL LIABILITIES SHAREHOLDERS’ EQUITY |91,912,116,447 |72,205,037,954 | Liquidity statement (Assets liabilities maturity analysis) As at 31 December 2009 |Particulars |Not more than 1 month |1-3 month term |3-12 months term |1-5 years term |Above 5-years term |total | | |term | | | | | | Assets Cash in hand |1,290,177,054 |- |- |- |- |1,290,177,054 | |Balance with |5,553,512,827 |- |- |- |- |5,553,512,827 | |Bangladesh Bank | | | | | | | |its agent Bank | | | | | | | |Balance with other |1,919,750,009 |295,821,685 |200,000,000 |74,800,000 |- |2,490,371,694 | |Banks financial | | | | | | | |institutions | | | | | | | |Money at call |1,359,800,000 |- |- |- |- |1,359,800,000 | |short notice | | | | | | |Investments |276,548,223 |821,213,870 |2,433,641,609 |1,004,424,171 |7,779,376,404 |12,315,204,277 | |Loans Advances |251,369,000 |6,428,422,500 |23,499,478,750 |27,813,652,000 |4,649,389,904 |64,962,312,154 | |Fixed assets |26,401,403 |52,802,806 |237,612,627 |1,203,447,457 |295,300,371 |1,815,564,664 | |Other assets |333,886,810 |667,409,160 |739,089,567 |- |- |1,740,385,536 | |Non-banking assets |- |- |- |384,788,241 |- |384,788,241 | |TOTAL ASSETS |13,331,445,326 |8,265,670,020 |27,109,822,552 |30,481,111,869 |12,724,006,679 |91,912,116,447 | Liabilities Borrowings from other |315,909,987 |231,819,974 |843,189,886 |- |- |1,390,919,847 | |Banks,Financial Institution | | | | | | | |Agents | | | | | | | |Deposits other accounts |12,327,012,687 |6,789,670,173 |23,763,845,604 |30,624,351,651 |3,309,771,165 |76,814,651,280 | |Other liabilities |409,713,507 |828,671,700 |1,758,041,643 |1,751,983,422 |41,371,514 |4,789,781,786 | |TOTAL LIABILITIES |13,052,636,181 |7850,161,847 |26,365,077,133 |32,376,335,073 |3,351,142,679 |82,995,352,913 | |NET LIQUIDITY GAP |278,809,145 |415,508,174 |744,745,419 |(1,895,223,204) |9,372,924,000 |8,916,763,534 | INCOME STATEMENT For the year ended 31 December 2009 PROFIT LOSS ACCOUNTs |2009 |2008 | |Interest income |6,818,466,566 |5,786,710,797 | |Less: Interest paid on deposits borrowings |4,489,636,114 |3,594,841,261 | |Net interest income |2,328,830,452 |2,191,869,536 | |Investment income |1,779,316,931 |938,915,231 | |Commission, exchange brokerage |1,448,972,295 |1,510,479,954 | |Other operating income |935,365,402 |654,912,889 | |TOTAL OPERATING INCOME |6,492,485,080 |52,961,776,101 | |TOTAL OPERATING EXPENSES |3,114,118,992 |2,173,109,713 | |Profit before provision |3,378,366,088 |3,123,067,897 | |Specific provision |25,000,000 |25,000,000 | |General provision |175,000,000 |270,000,000 | |TOT AL PROVISION |200,000,000 |295,000,000 | |Profit before taxes |3,178,366,088 |2,828,067,897 | |Profit transferred from off shore Banking Unit |19,129,827 |756,516 | Profit before taxes (including) |3,197,495,915 |2,828,824,413 | |Provision for taxation |1,150,000,000 |1,310,000,000 | |Deferred taxes |(22,974,549) |1,389,931 | | |1,127,025,451 |1,311,389,931 | |Net profit after taxation |2,070,470,464 |1,517,434,482 | |Retained earnings brought forward from previous year |975,132,271 |687,825,162 | | |3,045,602,735 |2,205,259,644 | |Statutory reserve |(639,499,183) |(565,613,366) | |Transfer from general reserve |135,000,000 |- | |Dividend |(973,815,007) |(664,514,007) | | |(1,478,314,190) |(1,230,127,373) | |Retained earnings carried forward |1,567,288,545 |975,132,271 | |Earnings per share |72. 74 |53. 1 | RATIO ANALAYSIS FOR 2009 ? Current ratio : current assets/current liabilities = 35,388,824,017/47,267,875,161 = 0. 748 times. FOR 2008 ? Current ratio : current assets/current li abilities = 23,228,911,038/18,569,065,016 = 1. 249 times. 2008 is better than 2008. FOR 2009 ? Return on assets : Net income(profit)/total assets = 2,070,470,464/91,912,116,447 = 0. 022*100 = 2. 2%. FOR 2008 Return on assets : Net income(profit)/total assets = 1,517,434,482/72,205,037,954 = 2. 1%. 2009 is better than 2008. FOR 2009 ? Return on equity : Net income(profit)/total stock holder equity = 2,070,470,464/8,916,763,534 = 0. 232*100 = 23. 2%. FOR 2008 ? Return on equity : Net income(profit)/total stock holder equity = 1,517,434,482/6,126,266,738 = 0. 247*100 = 24. 7%. 2008 is better than 2009. FOR 2009 ? Debt to total assets : total debt/total assets 82,995,352,913/91,912,116,442 = 0. 902*100 = 90. 2%. FOR 2008 ? Debt to total assets : total debt/total assets = 66,075,037,954 = 0. 915*100 = 91. 5%. Less debt 2009 than 2008. Financial Statement Analysis Comparative analysis |Item |Year |Year |Comparative |Percentage | | |2009 |2008 |analysis | | |Cash |6,843,689,881 |5,421, 055,640 |1,422,634,241 |26. 4% | |Balance with other bank and |2,490,371,694 |1,174,813,554 |1,315,558,140 |111. 96% | |Financial Institution | | | | | |Money at call and short notice |1,359,800,000 |3,089,900,000 |(1,730,100,000) |55. 99% | |Investment |12,315,204,277 |9,156,612,128 |3,158,592,149 |34. 49% | |Loan and Advance |64,962,312,154 |50,665,074,783 |14,297,237,371 |28. 1% | |Fixed Assets |1,815,564,664 |1,583,387,810 |232,176,854 |14. 66% | |Including land, building, | | | | | |furniture, and fixtures | | | | | |Other Assets |1,740,385,536 |716,430,198 |1,023,955,338 |142. 92% | |Non-Banking assets |384,788,241 |397,763,841 |(12,975,600) |3. 6% | |Total Assets |91,912,116,447 |72,205,037,954 |19,707,078,493 |27. 29% | |Liabilities(borrowing from other|1,390,919,847 |1,256,555,900 |134,363,947 |10. 69% | |bank, Financial Institution and | | | | | |agent | | | | | |Deposit and other account |76,814,651,280 |60,187,435,050 |16,627,216,230 |27. 2% | |Other liabilities |4,789,7 81,786 |4,634,780,266 |155,001,520 |3. 34% | |Total liabilities |82,995,352,913 |66,078,771,216 |16,916,581,697 |25. 60% | |Shareholders Equity |8,916,763,534 |6,126,266,738 |2,790,496,796 |45. 54% | |Total liabilities and share |91,912,116,447 |72,205,037,954 |19,707,078,493 |27. 29% | |holder equity | | | | | Financial Statement Analysis Common size analysis |Item |Year |Year | | |2009 |2008 | |Cash |7. 44% |7. 50% | |Balance with other bank and Financial Institution |2. 70% |1. 62% | |Money at call and short notice |1. 47% |4. 7% | |Investment |13. 39% |12. 68% | |Loan and Advance |70. 67% |70. 16% | |Fixed Assets |1. 97% |2. 19% | |Including land, building, furniture, and fixtures | | | |Other Assets |1. 89% |0. 9% | |Non-Banking assets |0. 41% |0. 55% | |Total Assets |100% |100% | |Liabilities(borrowing from other bank, Financial |1. 51% |1. 74% | |Institution and agent | | | |Deposit and other account |83. 7% |83. 35% | |Other liabilities |5. 21% |6. 41% | |Total liabilities |90. 29% |91. 51% | |Shareholders Equity |90. 29% |8. 48% | |Total liabilities and share holder equity |100% |100% | SWAT ANALAYSIS Every organization has some strength that helps it to survive, some weakness that push it backward, some opportunities that helps it to compete and also some threats that keeps it aware. NBL also has some SWOTs. These are mentioned below. Strengths of organization ? Stakeholder and customer are main Strength. ? Strong branch network. ? Committed to ensure high customer service. ? True accountability. ? Efficiency and loyalty of all sorts. ? Enough human resources. ? Knowledge enhancement. ? New technology. ? Enough local and foreign branches. ? Good management. ? Enough current money collection periods. ? Priorities identified the Corporate Plan to be implemented: ? Enhancing national and international presence as envisaged in the Vision of the Bank. Consolidation of the Bangladesh Operations by opening more branches. ? Maintain the most preferred bank status for Trade Finance. ? Increase the present credit card base. ? Improve exchange turnover and market share. ? Improve the risk m anagement infrastructure. ? Improve key performance ratio. ? Focus the new business by talking the opportunities favoring the Bangladesh economy. Weakness of organization The organization does not have a diversified range of products services. Still the bank is not fully computerized. Manual registers are used in some cases. However, the income of the business is still heavily dependent upon its share on the retail market. It caters less the corporate market than the SCB. This may leave it vulnerable if for any reason its market share erodes. The retail sector is very price sensitive. But it pays very less interest than other banks. So, if they found higher interest rate offering by other private banks of Bangladesh then they will loose customers. It has less promotion campaign than the other bank, because they believe brand value is the top promoting entity for the company. Opportunity of organization National Bank Limited is a customer oriented financial institution. It remains dedicated to meet up with the ever growing expectations of the customer because at National Bank, customer is always at the center. NBL has a goodwill that it provides different banking services to the people with a minimum cost and cut a very little charge on its transactions. Although it already has 100 branches to provide services to its customers, it also has the opportunity to build up more branches to make more convenient for the customers. The banking business of NBL and its other social activities have increased day by day. Sophisticate customer service scheme of the NBL more preferable to customers than other banks. Products services development offers NBL many opportunities. There is the opportunity to develop products and services such as insurance business huge investment in capital market etc. Such high value items will tend to have associated with them, high profits. There are also global marketing events that can be utilized to support the brand such as the sports other cultural activities. Threats of Organization NBL is exposed to the international nature of trade. It has to deals in different currencies and so costs and margins are not stable over long periods of time. Such an exposure could mean that NBL may be doing banking business at a loss. The new technology emerges to protecting the currency value use options for better credit rate earnings. The market for banking sector is very competitive. The model developed by NBL to be world’s local bank is now commonly used and to an extent is no longer a basis for sustainable competitive advantage. Competitors are developing alternative brands to take away the market share of NBL. The roles and regulation of the government and conventional laws of Bangladesh are also act as threats for the growth of banking business development in Bangladesh. As discussed above in weaknesses, the retail banking sector is becoming price competitive. This ultimately means that retail consumers are transacting in bank around for a better deal. So if NBL charges a comparative high price for a bank account service, or loan rate service, then the customers could go to the other bank to compare fees charges for the exactly the same services, and will take decision the cheaper of the two. Such customer’s price sensitivity is a potential external threat to HSBC. Converting Threats into Opportunities NBL has to expose its international nature of trade more efficiently. It has to recover costs and maintains margins over long periods of time. The new technology has to use to protecting the currency value use options for better credit rate earnings. NBL has to come to with other sort of criterion that’s why the competitor have to fight very long to copy that exposure. NBL has to give a better deal in the banking fees charges for the customers for the retail banking sector. Converting Weakness into Strength NBL has to focus equally to both ranges of customers either retail or corporate. It has to build up a proper strategy that’s why the corporate customers can be interested to open more of corporate account in NBL. NBL also has to give higher interest rate for various products services to gain more market share in banking business. They have to advertise their brand name more . They can sponsor their name for various social activities which will bring up NBL value more to the local customers. They can also make social awareness to the local customers. CONCLUSION Today National Bank Limited has proved the long way of continuous success. This Bank not only concentrates on business growth, but also concern about Corporate Social Responsibility. In line with that NBL foundation long ago in 1989. It has experienced successive growth in the recent past. As all the activities those are required to provide valuable services to its customers to make them satisfy, are related with the fund management system, NBL is so much careful about its fund management system. NBL always gives its highest attention in monitoring and managing the bank fund, which is consists of fund, capital, reserve, deposit, loan and advance. At present NBL is successful in effectively and efficiently managing these vital issues. In spite of that, in order to keep its success continue and reach at the pinnacle of success it, its managers, board of directors and employee must have the comprehensive and clear idea about the reserve, fund, loan, capital, deposit and liquidity regarding the smooth control of bank and continue its vital operation toward country’s economic[pic][pic][pic][pic] Page2

Heres a Format to Use for Your Law School Resume

Heres a Format to Use for Your Law School Resume Your  law school resume  can be one of the most important parts of your application and you probably already know it shouldn’t follow the same format as a general resume for employment. You want to give the admissions council the best summary of your most important work, experiences, and skills.   Below youll find a general template for you to follow when writing your law school resume, but remember, before you start writing, you should always ask yourself some  basic information-gathering questions  so you’re all set up to just fill in these categories. Consult your pre-law advisor and your college’s career services center if you have any questions and make sure several people review your resume. Also, feel free to play around with the titles of categories as well as the order; if something doesn’t make sense to include in your resume, or if you feel something else should be highlighted in a different way, don’t be afraid to make your law school resume fit your qualifications after all, it is yours and should put your achievements in the best possible light. For example, if you speak ten languages, you should think about having a whole section simply called â€Å"Languages† to make that stand out. If you’ve consistently held leadership roles in organizations, you may choose to create a category entitled â€Å"Leadership.† Main Categories of Law School Resumes Education List the college institution, location (city and state), degree or certificate earned including areas of study, and the year you earned it. If you didn’t earn a degree or certificate, list the dates of attendance. You should also include study abroad experiences here. You may also list your GPA and GPA in your major for each institution attended (especially if higher than your overall GPA); you can also include your class rank, but only if it will look impressive (anything lower than top 30% probably doesn’t need to be included). Honors Awards List any honors and awards you have achieved and what year you earned them. Don’t list high school or high school achievements unless they’re extraordinary like you were in the Olympics and if you were in the Olympics, you might consider having a whole other section just on your athletic career as you probably have received other related awards as well. Employment, Work Experience, or Experience List your position, the name of the employer, location (city and state), and the dates you were employed there. If it was a part-time position during school, list the number of hours you worked per week, but not if it was only two or three. Also list your job duties under each one, making sure to note any recognition or special achievements (for example, increased sales by 30% in your first year as a section manager, etc.). Quantifying your work for each organization, if possible, makes it easier for admissions to see how and what you contributed. Always start your job descriptions with strong action words (directed, lead, mentored, organized, etc.) to convey purpose and direction. Skills, Achievements Other Activities In this section, you can list foreign languages, membership in other organizations, and basically anything else you’d like to highlight in your experiences that haven’t yet made it onto your law school resume. Some applicants use this section to list their technical proficiencies including any computer programs they have experience with. This is one of the sections you may consider renaming according to your personal experiences.

Music Critical Analysis Essay Example | Topics and Well Written Essays - 250 words - 1

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Suicide as an Ideation, Gestures or Threats Essay

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