Effective communications Essay Example | Topics and Well Written Essays - 500 words

Successful interchanges - Essay Example It will likewise help in the event that we are careful of the right language use and keep away from dubious terms. One style of successful correspondence is utilizing decent variety and shared opinion. We should search for the intrigue and reason for the individual we are conversing with set up affinity. Regardless of whether you see contrasts of viewpoints, respect that distinctions, fuse it into your own for a ground-breaking correspondence. There is a period that it is smarter to be quiet when you don't know of the relationship. For instance, you ought to comprehend the subjects that ought to be kept away from in the association, calling and even in close to home relations. As per the College of Marin address, Chap. 1, there are obstructions to interchanges. Sender should know the versatility of the message to recipient and ought to perceive the necessities, the status, and information regarding the matter and language abilities of the collector. For example, when somebody is furious, you ought to tune in for some time until he/she can communicate her emotions. Absence of comprehension regarding the matter, sender can't clarify plainly what he needs and recipient doesn't get the message unmistakably. For instance, a furious client can't clarify details while salesmen can't reply. Passionate impedance makes an obstruction, as in the event that somebody is loaded up with feelings like being irate, blissful, and sorrowful; he may not get the proposed message and may intentionally not hear them. (w.c.

Dome of the Rock Jeruselam Free Essays

string(186) seen outwardly of the structure, on the mosaics inside, and the calligraphy around the arcades recount to a Muslim story that was intended to demonstrate a conclusion to the Christian guideline of the area. 1 Jake Kelly 4/27/2012 Art History 130c Report Dome of the Rock: Jerusalem The Dome of the Rock is in a region encircled by strict impacts and not all these are Islamic. It is situated on the Haram al-Sharif in Jerusalem, which has experienced numerous strict changes. Strict gatherings have been battling about this zone for a great many years and the battling despite everything proceeds with today. We will compose a custom paper test on Arch of the Rock: Jeruselam or on the other hand any comparative theme just for you Request Now A wide range of gatherings have possessed this locale, however very few have had the effect as the gathering liable for the Dome of the Rock. The most sensational change came when the Muslims took Jerusalem the Christians. At the point when this chronicled occasion occurred, the Muslims needed to dispose of any Christian impact, and the Dome of the Rock mirrors this thought. This new decision bunch needed to take the strict concentration from each past Christian bit of design and turn it towards the Dome of the Rock. To achieve the development of a structure that disregarded all over Jerusalem, there should have been a raised, level space. The area of its development is a level over the heavenly city and is another hint to what the Muslims were attempting to achieve. The Haram had numerous Christian sacred spots situated there, including the tomb of Christ and the rotunda above it. The structure we see today, has ace Islam calligraphy outwardly dividers just as the mosaics situated inside. This utilization of calligraphy in craftsmanship in the Dome of the Rock is one of the main utilized in Muslim design. They utilize the calligraphy for Qur’anic versus’ just as disclose their confidence to individuals visiting the Dome. Despite the fact that the Muslims were attempting to out do the past 2 religion, Christian impact is seen through the octagonal state of the structure. Alongside the area and calligraphy, the nature topic of the fine art inside show the strict move that was occurring at the hour of its creation. In early Islamic craftsmanship that was utilized during this timeframe, no human artistic expressions are utilized. This was against Islamic law, and a significant part of the Christian design of the locale followed totally different rules with human structures. At the point when the Islamic religion grabbed hold of this egion, they didn't coordinate the Christian heavenly structures into a Mosque, yet rather utilized Islamic workmanship and engineering in the structure of the Dome of the Rock to show the new Islamic predominance over the current Christian design. â€Å"Tradition-Jewish, Christian and Muslim-holds that Solomon constructed this Temple, committed to the Israelite God Yahweh, i n the southeast corner of what is presently Jerusalem’s Old City, on a stage referred to the Jews and Christians as the Temple Mount to Muslims as the Haram al-Sharif (the Noble Sanctuary). () (figure 1). The zone referred to the Muslims as Haram as-Sharif simply because of its ignoring nearness on the city of Jerusalem, was a strict refer to for the Christian religion that has thoughts the Muslims don't concur with. In the Islamic confidence, the devotees trust Jesus was not the child of God. They trust Jesus was a prophet, however was not the child of God as he asserted during his life on earth. This is the significant distinction between the two beliefs and has caused contention among individuals from the two religions. The single thought of whether Jesus is the child of God has, and will keep these two gatherings seeking predominance. This opposition can be seen through the area the modeler decided for the 3 Dome of the Rock. The Omayyad caliph ‘Abd al-Malik picked this situation to draw consideration from the old â€Å"center of Jerusalem† and the Christian Holy Sepulcher church and the rotunda over the tomb of Jesus, to another Islamic building creation that later was caped with a brilliant vault. The Dome of the Rock currently, overwhelms the Jerusalem horizon. Al-Malik’s plan worked, yet was planned to do significantly more than simply neglect old Christian structures. They don't needed anything to do with these structures and it is reflected by numerous individuals of the subjects picked for this bit of workmanship. The plan, structure, and workmanship are on the whole Islamic artistic expressions expected to show the predominance of the new gathering over the individuals who recently commanded the territory. â€Å"The Arabs alluded to the Church of the Holy Sepulcher by an alternate name, utilizing a quip in Arabic. In Christian convention the congregation is broadly known as the Church of the Resurrection-al-Qiyama in Arabic. The Arabs changed its name to al-Qamama-church of the Dung. †()(figure 2). Lack of regard to the Christian confidence was the plan of this name changing, yet different reasons lie underneath the surface. The new decision Islamic gathering changed the name nearly as purposeful publicity for the individuals to consider this to be church as underneath the new Islamic design. This strategy has been utilized over and over all through craftsmanship history to draw consideration and show predominance of the new decision religion or gathering. With this antagonism towards anything Christian, the Dome of the Rock would think to have no such impact. The brilliant vault is precisely the same internal measurements as the Sepulcher Church and the octagonal structure was first found in Christian engineering. With the difference, the Muslim developers couldn't deny the Christian structure 4 strategies and format while making the Dome of the Rock. The structure might be fundamentally the same as, yet that isn't what separates it from Christian design. The work of art fused with the structure recounts to an Islamic story and shows the move from custom Christian craftsmanship to a totally extraordinary style utilized by the makers. A significant move likewise happens with the topic fused the workmanship. The Christians utilized numerous sculptures and artistic creations in their strict areas, yet the new Islamic gathering now just utilized things like nature and calligraphy in all there workmanship. What is seen outwardly of the structure, on the mosaics inside, and the calligraphy around the arcades recount to a Muslim story that was intended to demonstrate a conclusion to the Christian standard of the territory. You read Arch of the Rock: Jeruselam in class Papers â€Å"It ascends on a tall chamber of about 98 feet (30m) over the stage. Built of wood, it isn't overlaid yet secured with an exceptional combination containing gold that gives its ambiguously brilliant tone. The vault is bolstered by a roundabout arcade of four docks and sixteen sections flanked by two ambulatories encompasses the chamber and holds tight, as in a ring. The ambulatories together are 46 feet (14m) profound, and give the entire structure a breadth of around 157 feet (48m). It ascends to just 36 feet (11m) inside and 43 feet (13m) outwardly, reinforcing the effect of the focal chamber with vault. † () The structure of the Dome of the Rock was not enormous like numerous other Islamic strict structures. Contrasted and the Mosques and other Islamic sacred destinations concentrated in craftsmanship history, this is extremely little and formed extraordinary, yet at the same time keeps the ordinary Islamic subject of the time. Islamic sacred destinations are typically tremendous expound structures outwardly just as the in, yet this is the place the Dome is extraordinary. The main genuine expound piece to the outside is the brilliant vault that can be seen and perceived from far separations. This was a structure made to look like basically like the current Christian sacred locales. The likeness between structures was planned 5 ot to emulate, however to show that their religion was reality, through the Islamic work of art and calligraphy. The least detailed area of the structure is the outside and has calligraphy that was once with Islamic based mosaics. The gold arch with a plain structure is a key move that give the structure an exceptionally one of a kind quality. Within the Dome of th e Rock might be a higher priority than the vault itself and a big motivator for it. There are archives inside the structure determining what the calligraphy inside the structure can be meant. This calligraphy is from the Koran and is on the highest point of the inward and external octagonal arcades (figure 3). The calligraphy, â€Å"These sections make three focuses: (1) God is one; He can't be conceived or conceive an offspring, a fundamental Muslim situation in relationship to the Christians; (2) God’s errand person is Muhammad, who was carried the awesome message to humanity and (3) Jesus, the child of Mary, is additionally a detachment who ought to be respected and adulated as a result of his ethical life and on the grounds that he conveyed a portion of the indications of the heavenly relationship to man. † () The Muslims and Christians are two religions that have numerous simililarites, however can't help contradicting who was the prophet and if Jesus was the child of god or only a delegate. As expressed before, these distinctions have caused contention between the two gatherings, which are intended to be brought out by the Qur’anic versus. These messages of one God, Muhammad as the prophet, and Jesus just being a delivery person were embedded in within work of art to unchangeable what religion currently controlled this territory. They needed to show who currently had the intensity of the territory and needed it to be clear through the work of art and calligraphy found on the internal and external arcades. During the hour of the development, no human structures were utilized in 6 the fine art. This is an explanation calligraphy can be seen all through this Muslim based bit of engineering. Calligraphy is a significant piece to nearly and Islamic work and consistently recounts to a strict story from the Koran or different strict works. To take this considerably further, the Islamic individuals may have been attempting to flex their chest somewhat more by avoiding any sort of Christian works of art. Whatever the aim was, the calligraphy on the internal and external arcades comes legitimately out o

US Federal Court System Primer

US Federal Court System Primer Regularly called the watchmen of the Constitution, the U.S. government court framework exists to reasonably and fair-mindedly decipher and apply the law, resolve debates and, maybe in particular, to ensure the rights and freedoms ensured by the Constitution. The courts don't make the laws. The Constitution delegates making, revising and canceling government laws to the U.S. Congress. Government Judges Under the Constitution, judges of every government court are named for life by the leader of the United States, with the endorsement of the Senate. Government judges can be expelled from office just through denunciation and conviction by Congress. The Constitution likewise gives that the compensation of government judges will not be reduced during their Continuance in Office. Through these specifications, the Founding Fathers would have liked to advance the freedom of the legal branch from the official and administrative branches. Structure of the Federal Judiciary The absolute first bill considered by the U.S. Senate the Judiciary Act of 1789 partitioned the nation into 12 legal regions or circuits. The court framework is additionally isolated into 94 eastern, focal and southern regions geologically the nation over. Inside each locale, one court of bids, provincial region courts and liquidation courts are set up. The Supreme Court Made in Article III of the Constitution, the Chief Justice and eight partner judges of the Supreme Court hear and choose cases including significant inquiries concerning the understanding and reasonable use of the Constitution and government law. Cases commonly go to the Supreme Court as offers to choices of lower government and state courts. The Courts of Appeals Every one of the 12 provincial circuits has one U.S. court of Appeals that hears requests to choices of the area courts situated inside its circuit and offers to choices of government administrative organizations. The Court of Appeals for the Federal Circuit has across the country locale and hears specific cases like patent and universal exchange cases. The District Courts Considered the preliminary courts of the government legal framework, the 94 area courts, situated inside the 12 territorial circuits, hear essentially all cases including bureaucratic common and criminal laws. Choices of the locale courts are commonly engaged the regions court of advances. The Bankruptcy Courts The government courts have ward over all chapter 11 cases. Insolvency can't be recorded in state courts. The main roles of the law of liquidation are: (1) to give a legit account holder a new beginning in life by alleviating the indebted person of most obligations, and (2) to reimburse leasers in a deliberate way to the degree that the borrower has property accessible for installment. Unique Courts Two unique courts have across the nation locale over uncommon kinds of cases: U.S. Court of International Trade - hears cases including U.S. exchange with remote nations and customs issues U.S. Court of Federal Claims - considers claims for money related harms made against the U.S. government, administrative agreement debates and contested takings or asserting of land by the government Other exceptional courts include: Court of Appeals for Veterans ClaimsU.S. Court of Appeals for the Armed Forces

Essay Tutorials - Why You Shouldnt Use Plagiarized Work to Get Examples of Conclusion in Synthesis Essay

Essay Tutorials - Why You Shouldn't Use Plagiarized Work to Get Examples of Conclusion in Synthesis EssayMany students would be surprised to find out that they do not really have to plagiarize their own work to get the samples of conclusion in synthesis essay prepared for them. Although this might be one of the most common mistakes made by students, there are ways to avoid it. You can get these samples of conclusion in synthesis essay prepared for you without ever having to try to copy them.The most important thing you should do is to ensure that you are familiar with the topic of the sample essay before reading it. The sample should be relatively easy to read, so you should find that you will be able to complete the assignment with ease. If it is not extremely easy, there is every chance that you will end up not understanding it and making it harder for yourself to get through.The second thing you should do is to ensure that you are familiar with all of the details of the sample ess ay before you begin reading it. This may include learning all of the student jargon, the particular authors associated with the sample, and any different characteristics that might be included in the text. It should also include any additional information that may be associated with the sample, such as reviews, recommendations, and student opinions.The third thing you should do is to make sure that you find the sample of conclusion in synthesis essay that you would like to learn to understand thoroughly. You should ensure that you understand the point of the sample completely before starting to go through it to see if it is exactly what you need to know.If you find that the sample is too difficult for you to comprehend, there is every chance that you will end up failing the assignment without even attempting to get it completed. You may find that you just do not have the experience necessary to get through the sample to completion.So it is important to make sure that you are familia r with the sample before you begin to study it. If you do not understand it completely, then you may find that you will not be able to finish the assignment.If you do not know how to write an essay, then your final results will be disappointing. Studying samples of conclusion in synthesis essay is vital to make sure that you are able to complete a great essay that will impress your professor.

African-American Dancers

Judaism Is A Religious Custom With Origins Going Back About

Judaism is a religious custom with origins going back about four thousand years, established in the old close eastern region of Canaan. Starting as the convictions and practices of the general population known as Israel, traditional, or rabbinic, Judaism did not rise until the first century C.E. Judaism follows its legacy to the covenant God made with Abraham and his heredity, that God would make them a sacred people and that God would provide them with Holy land. The basic people of Israelite culture are the patriarchs Abraham, Isaac, Jacob, and the prophet Moses. Mosses who received God’s laws or the ten commandments from God on Mt. Sinai. Judaism is a convention grounded in the religious, moral, and social laws as they are verbalized†¦show more content†¦Jews ought to connect helpfully with the world that they are into cultivate goodness and equity inside both themselves and the bigger group, for example, by evading sin in their own lives while likewise tending to the unfortunate. Conservative Judaism attempts to collide an inspirational demeanor toward current culture, acknowledgment of basic common grant with respect to Judaism s sacred writings and responsibility to Jewish recognition. Conservative Judaism trusts that insightful investigation of Jewish writings demonstrates that Judaism has continually been advancing to address the issues of the Jewish individuals in changing conditions. Reform Judaism is that it has empowered the Jewish individuals to present advancement while preserving original customs, to grasp differing qualities while stating shared characteristic, to assert convictions without dismissing the individuals who question, and to convey confidence to consecrated writings without yielding basic scriptures. The old testament Judaism is part of the story told in the Hebrew bible. It depicts how God picked the Jews to be an example to the world, and how God and his picked individuals worked out their relationship. It was a stormy relationship a great part of the time, and a captivating aspect regarding Jewish history is to watch God changing and creating close by hisShow MoreRelatedReflection of Juduasm Essay963 Words   |  4 PagesJudaism is a religious tradition with origins dating back nearly four thousand years, rooted in the ancient region of Canaan, which is now known as the land between Israel and Palestine. Judaism did not emerge until the 1st century C.E. Judaism traces its heritage to the covenant God made with Abraham and his lineage that God would make them a sacred people and give them a holy land. The primary characters of Israelite culture include the great patriarchs Abraham, Isaac, Jacob, and the prophet MosesRead MoreWorld Religion: Christianity the Most Widespread R eligion in The World1473 Words   |  6 PagesAll over the world, there are many people who believe in something or someone of a higher power. 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The religion is known to be originated in no rthern India around the 5th century B.C.E Key leaders and philposopers in keeping the religion going or advancing are Nagarjuna he is referred to as the second Buddha by Tibetan and East Asian Mahayana such major traditions of Buddhism, Nagarjuna is know to be sharp criticisms of Brahminical and Buddhists famous philosophy, theory of knowledgeRead MoreAnswer Booklet Judaism7864 Words   |  32 PagesStudents learn about: | Students learn to: | Significant People and Ideas * the contribution to Judaism of ONE significant person or school of thought, other than Abraham or Moses, drawn from: * Isaiah * Hillel (and Shamai) * Beruriah * Rabbi Solomon Isaac (Rashi) * Moses Maimonides * Kabbalah * The Hassidim * Moses Mendelssohn * Abraham Geiger * Rabbi Isaac Abraham Hacohen Kook (Rav Kook) * Jewish Feminism * another person or school of thought significant to Judaism * the

Sherlock holmes and the speckl Essay Example For Students

Sherlock holmes and the speckl Essay Sherlock HolmesThe Speckled BandThis story is about a women that askes for Shelocks Holmes help because she belives that she is going to die like her sister that died two years before. She belives that her sister was either frightened to death or killed by gipsies. Because when this women Helen found her sister the last words the she sad were: ‚‚Helen! Oh my God, Helen! It was the band! The speckled band!†. All this happend just before Helens sister was supose to get marryed. And there mother was also a rich women but she died long before all this happend and there stepfather got 750 a year from his dead wife found. But if the sisters would marry he would have to pay them 250 each a year so if the girls would marry he wouldn’t get all the money!But now Helen had dicided to get marryed but then a few days later her stepfather dicided to mend the wall of Helens room so that she had to move into her sisters room and now she was scared for her live. So Sherlock Holmes went to investigate. Holmes investigated the whole house and he build up a plan to catch the murderer! Holmes had found out that there was an air-vent that was inside the house betwenn the sisters room and the stepfathers. Holmes now was in the room that Helen was supose to be in and sudenly the light was light in the stepfathers room, and then Sherlock jumped and hit the bellrobe under the air-vent. Then there was a little whistle and then a scream and Holmes ran to the other room and there was the stepfather dead and with a speckled band on him. It was no band it was a Indian snake that the stepfather used to kill Helens sister and was going to kill Helen with but Holmes saved the day once again.

A Competitive Analysis of Trading in Reliance Money

A Competitive Analysis of Trading in Reliance Money Free Online Research Papers ACKNOWLEDGEMENT Preservation, inspiration and motivation have always played a key role in the success of any venture. In the present world of competition and success, training is like a bridge between theoretical and practical working; willingly I prepared this particular Project. First of all I would like to thank the supreme power, the almighty god, who is the one who has always guided me to work on the right path of my life. I would like to thank Mr. Sandeep Saini (Centre Manager) for granting me permission to undertake the training in their esteemed organization. I also thanks to Mr. Arpan Sethi (finance Head), Mr. Vikas of Reliance Money for their time-to-time guidance and support in completing the project. I also thank the other staff of Reliance Money, Ambala who devoted their valuable time by helping me to complete my project. I express my sincere thanks to Dr. Raj Kumar Goyal (Director) and Mr. Adrash aggarwal (Head of department), Ms. Neetu Menhdiratta (Faculty Guide) of M.B.A. department, for the valuable suggestion and making this project a real successful. Last but not least, my sincere thanks to My Parents and Friends who directly or indirectly helped me to bring this project into the final shape. VIPIN GOYAL DATE:- PREFACE â€Å"A good broker system must be able to cope with an extremely complex and dynamic environment.† The microstructure of the stock market in which brokers work is highly dynamic and volatile. Many stocks are available to be bought and sold, each exhibiting its own patterns and characteristics that are highly unpredictable. With so many options and considerations that need to be taken into account, it is an extremely difficult task for a broker to investigate aspects of the stock market and consistently provide effective advice to their clients. Thus, brokers perform their day-to-day tasks with the aid of a broker system. Such a system should provide tools for interacting with exchanges and performing analysis. As a consequence, these broker systems are quite large and complicated by themselves. This research aims to analysis Stock broker on the basis of their services, products, growth, and their competitiveness. Because Stockbrokers are one of the main participants in stock exchanges worldwide, they often act as an agent for their clients, making trades on their behalf. They also act as advisors, providing suggestions to their clients on what stocks to buy and sell. EXECUTIVE SUMMARY There is growing competition between brokerage firms in post reform India. For investor it is always difficult to decide which brokerage firm to choose. Research was carried out to find which brokerage house people prefer and to figure out what people prefer while investing in stock market. This study suggests that people are reluctant while investing in stock and commodity market due to lack of knowledge. Main purpose of investment is returns and liquidity, commodity market is less preferred by investors due to lack of awareness. The major findings of this study are that people are interested to invest in stock market but they lack knowledge. Through this report we were also able to understand, what are our Company’s (Reliance Money) positive and strong points, on the basis of which we come to know what can be the basis of pitching to a potential client. CONTENTS Declaration Acknowledgement Preface Certificate by Company Executive Summary CHAPTER 1 INTRODUCTION TO TOPIC 1 CHAPTER 2 LITERATURE REVIEW 2 CHAPTER 3 RESEARCH METHODOLOGY 3-6 Objective of the study Type of the research Sample design Sample area Sample unit Size of sample Sources of data collection Survey method Limitations of the study CHAPTER 4 INTRODUCTION TO INDUSTRY 7-16 Major Players in the Region ? Karvy ? ICICI Direct ? Indiainfoline ? HDFC Security ? Indiabulls Comparison with Competitors Market Share CHAPTER 5 INTRODUCTION TO COMPANY 17-30 Management Team of the company BOD of the company Vision Mission Highlights of company Organization Structure Products CHAPTER 6 DATA ANALYSIS FINDINGS 31-47 Data analysis Findings CHAPTER 7 SUGGESTIONS 48 CHAPTER 8 CONLUSION 49 Bibliography 50 Appendix 52-54 INTRODUCTION TO TOPIC I In most industrialized countries, a substantial part of financial wealth is not managed directly by savers, but through a financial intermediary, which implies the existence of an agency contract between the investor (the principal) and a broker or portfolio manager (the agent). Therefore, delegated brokerage management is arguably one of the most important agency relationships intervening in the economy, with a possible impact on financial market and economic developments at a macro level. In most of the metros, people like to put their money in stock options instead of dumping it in the bank-lockers. Now, this trend pick pace in small but fast developing cities like Chandigarh, Gurgaon, Jaipur, Ambala etc. My research is based on the residents of Ambala and its nearby areas. As the per-capita-income of the city is on the higher side, so it is quite obvious that they want to invest their money in profitable ventures. On the other hand, a number of brokerage houses make sure the hassle free investment in stocks. Asset management firms allow investors to estimate both the expected risks and returns, as measured statistically. There are mainly two types of Portfolio management strategies. 1. Passive Portfolio Strategy 2. Active Portfolio Strategy 1. Passive Portfolio Strategy: A strategy that involves minimal expectation input, and instead relies on diversification to match the performance of some market index. A passive strategy assumes that the marketplace will reflect all available information in the price paid for securities 2. Active Portfolio Strategy: A strategy that uses available information and forecasting techniques to seek a better performance than a portfolio that is simply diversified broadly. LITERATURE REVIEW 1. Dr. Jayanta Kumar Seal explore equity trading in India was basically a floor-based activity in the BSE. Traditionally, stock trading was done through stock brokers, personally or through telephones. As the no. of people trading in stock market increased enormously in last few years, a no. of stock brokers comes in the field, thus increasing further competition. Due to this, there come new innovations in trading. In this scenario, the existing players are left with two options-either to change their product offerings or to perish. 2. Ravinder Kumar Nidhi Walia found Indian investors are more conservative; they do not adopt any change easily. Till now just few investors can be recognized who are using technology for online stock trading. Traditional traders still prefer to choose broker as a stock trading mechanism because they are more loyal to their broker. Online trading empowers educated investors to make their own decisions with close watch on market sensitivity by browsing through various sites. 3. Ms. Nidhi Walia explores that with IT fueling economy, internet is adopted as effective tool in catalyzing the business activities. Latest developments in information technology have altogether changed business done traditionally. As financial system is becoming more complex it has become need of hour, where investor should comprehend the data and understand recent intricacies of online trading. In Indian context, e-trading is relatively new concept, which has yet to gain some significant meaning. In the past, investor had no option to get market information except to contact local broker. But internet trading in stock trading is becoming medium of exchange whereby investor can order stock exchange on simple mouse click sitting at his place. Keeping in view current market requirement an attempt has been made in this research paper to analyze current status of online trading in Indian scenario. 4. Mr. Ajay Kumar through this research finds which brokerage house people prefer and to figure out what people prefer while investing in stock market. This study suggests that people are reluctant while investing in stock and commodity market due to lack of knowledge. Main purpose of investment is returns and liquidity, commodity market is less preferred by investors due to lack of awareness. The major findings of this study are that people are interested to invest in stock market but they lack knowledge. RESEARCH METHODOLOGY Objective of Study Each research study has its own specific purpose. It is like to discover to Question through the application of scientific procedure. But the main aim of our research to find out the truth that is hidden and which has not been discovered as yet. Our research study has following objectives:- Primary Objective: To know about the competitive position of the Reliance Money in competitive market. Secondary Objective: 1. To know the market share of different players in Share Market. 2. To study the services offered by different players to the customer. 3. TO access how Reliance Money is better than others competitors. 4. To check satisfaction level of customers of different players. TYPES OF RESEARCH The research is based on Descriptive and Qualitative research. Descriptive Research: Descriptive research includes surveys and fact finding enquires of different kinds. The major purpose of descriptive research is description of the state of affairs as it exists at present. Researcher has no control over the variables of this type of research. Qualitative Research: The research needs comparison between different stock brokers. So this is based on all qualitative data. In short, Qualitative research is especially important in the behavioral sciences where the aim is to discover the underline motives of human behavior. Through such research we can analyses various factors which motivate to people to behave in a particular manner or which make people like or dislike a particular thing. SAMPLE DESIGN â€Å"A sample design is a definite plan for obtaining a sample from a given population. It refers to the technique or the procedure the researcher would adopt in selecting item for the sample† Generally Sample designs are two types 1. PROBABILITY SAMPLE DESIGN 2. NON PROBABILITY SAMPLE DESIGN In the research Non-probability research design is used. SAMPLING AREA Sampling area may be a geographical one, such as state, district, village etc. The researcher will have to decide one or more of such area that he has to select for his study. In this research study Ambala as a sampling area. SAMPLING UNIT Sampling unit may be defined as an individual, pair or group of persons included as respondent. In this research study General Investors are the sampling units. SIZE OF SAMPLE â€Å"This refers to the number of items to be selected from the universe to constitute a sample† In the present research sample size is 100. But the research also study the 5 stock broker companies related to security commodity market like India-infoline, ICICI direct, HDFC-securities, Karvy consultant ltd. and indiabulls for the appropriate collection of the information. SOURES OF DATA COLLECTION While deciding about the method of data collection to be used for the study the researcher should keep to types of data. 1. Primary Data. 2. Secondary Data. Research uses primary data, as well as secondary data. Primary means collected as fresh, and the first time data and secondary means which are already available like annual report, magazines, internet, previously researches etc. SURVEY METHOD Survey refers to the method of securing information concerning phenomena under study from all or selected number of respondents of the concerned area. In a survey the investigator examines those phenomena which exist in the universe independent of his action. Research uses the Questionnaire Method. LIMITATIONS OF STUDY ? As only Ambala dealt in survey so it does not represent the view of the total Indian market. ? Size of the research may not be substantial. ? There was lack of time on the part of respondents. ? The survey was carried through questionnaire and the questions were based on perception. ? There may be biasness in information by market participant. ? Complete data was not available due to company privacy and secrecy. ? Customer dissatisfied with the services. ? People fear that as Reliance Money is a Private company so their money is not secured. ? Insurance means LIC for people. ? Misguidance by agents. ? Lacks of motivation as false commitments were made to customer by the company. INTRODUCTION TO INDUSTRY The emergence of stock market can be traced back to 1830. In Bombay, business passed in the shares of banks like the commercial bank, the chartered mercantile bank, the chartered bank, the oriental bank and the old bank of Bombay and shares of cotton presses. In Calcutta, Englishman reported the quotations of 4%, 5%, and 6% loans of East India Company as well as the shares of the bank of Bengal in 1836. This list was a further broadened in 1839 when the Calcutta newspaper printed the quotations of banks like union bank and Agra bank. It also quoted the prices of business ventures like the Bengal bonded warehouse, the Docking Company and the storm tug company. Between 1840 and 1850, only half a dozen brokers existed for the limited business. But during the share mania of 1860-65, the number of brokers increased considerably. By 1860, the number of brokers was about 60 and during the exciting period of the American Civil war, their number increased to about 200 to 250. The end of American Civil war brought disillusionment and many failures and the brokers decreased in number and prosperity. It was in those troublesome times between 1868 and 1875 that brokers organized an informal association and finally as recited in the Indenture constituting the â€Å"Articles of Association of the Exchange†. On or about 9th day of July, 1875, a few native brokers doing brokerage business in shares and stocks resolved upon forming in Bombay an association for protecting the character, status and interest of native share and stock brokers and providing a hall or building for the use of the members of such association. As a meeting held in the broker’ Hall on the 5th day of February, 1887, it was resolved to execute a formal deal of association and to constitute the first managing committee and to appoint the first trustees. Accordingly, the Articles of Association of the Exchange and the Stock Exchange was formally established in Bombay on 3rd day of December, 1887. The Association is now known as â€Å"The Stock Exchange†. The entrance fee for new member was Re.1 and there were 318 members on the list, when the exchange was constituted. The numbers of members increased to 333 in 1896, 362 in 1916and 478 in 1920 and the entrance fee was raised to Rs.5 in 1877, Rs.1000 in 1896, Rs.2500 in 1916 and Rs. 48,000 in 1920. At present there are 23 recognized stock exchanges with about 6000 stock brokers. Organization structure of stock exchange varies. 14 stock exchanges are organized as public limited companies, 6 as companies limited by guarantee and 3 are non-profit voluntary organization. Of the total of 23, only 9 stock exchanges have been permanent recognition. Others have to seek recognition on annual basis. These exchange do not work of its own, rather, these are run by some persons and with the help of some persons and institution. All these are down as functionaries on stock exchange. These are 1. Stockbrokers 2. sub-broker 3. market makers 4. Portfolio consultants etc. 1.) Stockbrokers Stock brokers are the members of stock exchanges. These are the persons who buy, sell or deal in securities. A certificate of registration from SEBI is mandatory to act as a broker. SEBI can impose certain conditions while granting the certificate of registrations. It is obligatory for the person to abide by the rules, regulations and the buy-law. Stock brokers are commission broker, floor broker, arbitrageur etc. Detail of registered brokers Total no. of registered brokers as on 31.03.2008 Total no. of sub-brokers as on 31.03.2008 9000 24,000 2.) Sub-broker A sub-broker acts as agent of stock broker. He is not a member of a stock exchange. He assists the investors in buying, selling or dealing in securities through stockbroker. The broker and sub-broker should enter into an agreement in which obligations of both should be specified. Sub-broker must be registered SEBI for a dealing in securities. For getting registered with SEBI, he must fulfill certain rules and regulation. 3.) Market Makers Market maker is a designated specialist in the specified securities. They make both bid and offer at the same time. A market maker has to abide by bye-laws, rules regulations of the concerned stock exchange. He is exempt from the margin requirements. As per the listing requirements, a company where the paid-up capital is Rs. 3 crore but not more than Rs. 5 crore and having a commercial operation for less than 2 years should appoint a market maker at the time of issue of securities. 4.) Portfolio consultants A combination of securities such as stocks, bonds and money market instruments is collectively called as portfolio. Whereas the portfolio consultants are the persons, firms or companies who advise, direct or undertake the management or administration of securities or funds on behalf of their clients. MAJOR PLAYERS IN THE REGION 1. Karvy 2. ICICI direct 3. Indiainfoline 4. HDFC security 5. Indiabulls KARVY KARVY is a premier integrated financial services provider, and ranked among the top five in the country in all its business segments, services over 16 million individual investors in various capacities, and provides investor services to over 300 corporate, comprising the who is who of Corporate India. Karvy has a professional management team and ranks among the best in technology, operations and research of various industrial segments. History of Karvy The birth of Karvy was on a modest scale in 1981. It began with the vision and enterprise of a small group of practicing Chartered Accountants who founded the flagship company, Karvy Consultants Limited. They started with consulting and financial accounting automation and carved inroads into the field of registry and share accounting by 1985. Since then, Karvy utilized its experience and superlative expertise to go from strength to strength, to better their services, to innovate, diversify and in the process, evolved as one of India’s premier integrated financial service enterprise. PRODUCT AND SERVICES OF KARVY GROUP 1. Karvy comtrade. 2. Karvy consultant ltd. 3. Karvy merchant banking. 4. Karvy global services ltd. ICICI DIRECT ICICI Web Trade Limited (IWTL) maintains www.icicidirect.com (herein after referred to as the Website) whereas IWTL is an affiliate of ICICI Bank Limited and the Website is owned by ICICI Bank Limited. IWTL has launched and established an online trading service on the Website. PRODUCTS AND SERVICES OF ICICI DIRECT 1. Investing in Mutual funds 2. Personal Finance 3. Customer Service Features 4. IPO’s 5. Margin Trading 6. Margin PLUS Trading 7. Call Trade 8. Trading on NSE/BSE 9. Trade in derivatives INDIAINFOLINE SECURITY PRIVATE LTD India Infoline.com Securities Pvt. Ltd. is a wholly owned subsidiary of India Infoline.com Ltd and is the stock broking arm of India Infoline.com. The subsidiary was formed to comply with regulatory guidelines. www.5paisa.com is a focused website for online stock market trading. 5paisa.com is a trade name owned by the India Infoline.com group. IILSPL has applied for trading membership of the BSE under Securities and Exchange Board of India (Stock Brokers and Sub-Brokers) Rules 1992. IILSPL is in the business of providing broking services online via the Internet (E-broking Services) and has been permitted by the NSE by way of registration permission no: NSEIL/CMO/INET/1103/2000 dated 03/July/2000, and will be applying for permission to the BSE, to provide E-broking Services to its clients. IILSPL is a TRADING MEMBER of the National Stock Exchange of India. PRODUCT OFFERED BY IILSPL 1. Stock market:- IILSPL deals in stock market by trading in equity and derivatives. 2. Personal finance:- It Deals In Mutual Fund And Insurance. 3. Online Trading :- It provides services in stock and commodity trading (through Internet). HDFC SECURITY HDFC security is the subsidiary of HDFC (Housing Development Financial Corporation). www.hdfcsec.com would have an exclusive discretion to decide the customers who would be entitled to its online investing services. www.hdfcsec.com also reserves the right to decide on the criteria based on which customers would be chosen to participate in these services .The present web site (www.hdfcsec.com) contains features of services that they offer/propose to offer in due course. The launch of new services is subject to the clearance of the regulators. i.e. SEBI, NSE and BSE. PRODUCT OFFERED BY HDFC SECURITY 1. Online trading for Resident Non Resident Indians. 2. Cash-n-Carry on both NSE and BSE. 3. Day trading on both NSE and BSE. 4. Trade on Futures Options on the NSE. 5. Online IPOs. 6. Telephone-based Broking (Equity Derivatives). INDIABULLS SECURITIES LIMITED Indiabulls Securities Limited was incorporated as GPF Securities Private Limited on June 9, 1995. The name of the company was changed to Orbis Securities Private Limited on December 15, 1995 to change the profile of the company and subsequently due to the conversion of the company into a public limited company; the name was further changed to Orbis Securities Limited on January 5, 2004. The name of the company was again changed to Indiabulls Securities Limited on February 16, 2004 so as to capitalize on the brand image of the term â€Å"Indiabulls† in the company name. ISL is a corporate member of capital market derivative segment of The National Stock Exchange of India Ltd. At present, ISL accounts for approximately 3% of the total daily turnover of the Exchange with 32,359 client relationships and 70 branches spread across the country as of April 30, 2004. INDIABULLS CREDIT SERVICES LIMITED:- Indiabulls Credit Services has been valued at Rs. 263 crore with the Rs. 87.6-crore infusion. Indiabulls Credit Services Ltd, the recently formed subsidiary of broking firm, Indiabulls Financial Services Ltd. Faralon Capital, a San Francisco-based private equity fund, and its affiliates have acquired 33.3 per cent stake for Rs 87.6 crore. INDIABULLS REAL ESTATE:- Indiabulls through its group companies has entered Indian Real Estate business in 2005. It is currently evaluating several large-scale projects worth several hundred million dollars. Indiabulls became the first company to bring FDI in Indian Real Estate through a JV with Farallon Capital Management, a respected US based investment firm. PRODUCT OFFERED BY INDIA BULLS 1. Equity Debt Stock Broking 2. Insurance 3. Commodity trading 4. Depository Services 5. Derivatives Broking Services 6. Equity Research Services 7. Mutual Fund Distribution 8. IPO Distribution COMPARISON WITH COMPETITORS reliance money icici direct hdfc india bulls indiainfoline karvy DELIVERY .01% .40-.85% .75-1.0% .35% 0.3-0.5% 1% INTRADAY .01% .02-.04% .05% .035% 0.03-0.05% 0.1% AMC 200 750 600 350-750 500 350 Exposure 5 4 4-6 4-10 6 6 Software free Only for esteemed n.a. 750/p.m. 1000 1800/p.a. Online trading yes Yes yes yes yes yes Min. balance nil 5000(q) 5000 n.a. 5000 5000 MARKET SHARE Indiabulls is the market leader; about 37% of the investors are using the services of Indiabulls, followed by ICICI Direct with 32% customer’s base. According to various studies ICICI Direct is the major competitive of Indiabulls. Reliance Money is gaining its share which is currently at 3.9% market share. INTRODUCTION TO THE COMPANY The Reliance – Anil Dhirubhai Ambani Group is among India’s top three private sector business houses on all major financial parameters, with a market capitalisation of Rs 100,000 crore (US$ 22 billion), net assets in excess of Rs 31,500 crore (US$ 7 billion), and net worth to the tune of Rs 27,500 crore (US$ 6 billion). Reliance Money Limited has been promoted by Reliance Capital Limited a part of Anil Dhirubhai Ambani Group with the Net-worth – Rs. 4500 cr., amongst the top 3 banking financial services companies in the private sector. Management Team Chairman : Mr. Anil Dhirubhai Ambani CEO : Mr. Sudip Bandhupadhyay Deputy CEO : Mr. Kapil Bali National Head : Mr. Anshu Azare Regional Head : Mr. Ritu Raj chauhan Cluster Head : Navdeep Kaur Center Managers : Sandeep saini BOARD OF DIRECTORS Anil Ambani, Chairman Amitabh Jhunjhunwala, Vice-Chairman Rajendra Chitale, Independent Director Shri C. P. Jain Shri. P N Ghatalia Reliance Capital Ltd Reliance Capital is one of India’s leading and fastest growing private sector financial services companies, and ranks among the top 3 private sector financial services and banking companies, in terms of net worth. Reliance Capital has interests in asset management and mutual funds, life and general insurance, private equity and proprietary investments, stock broking and other activities in financial services. Reliance Capital entered into lucrative online trading business with Reliance money. There are mixed reports about this online trading platform. It shook up online trading business with cheap brokerage charge offer. Business Overview RCL is registered as a depository participant with National Securities Depository Ltd (NSDL) and Central Depository Services Ltd (CDSL) under the Securities and Exchange Board of India (Depositories and Participants) Regulations, 1996. RCL has sponsored the Reliance Mutual Fund within the framework of the Securities and Exchange Board of India (Mutual Fund) Regulations, 1996.RCL primarily focuses on funding projects in the infrastructure sector and supports the growth of its subsidiary companies, Reliance Capital Asset Management Limited, Reliance Capital Trustee Co. Limited, Reliance General Insurance Company Limited and Reliance Life Insurance Company Limited. As of March 31, 2005, the company’s investment in infrastructure projects stood at Rs. 1071 Crores. The investment portfolio of RCL is structured in a way that realizes the highest post-tax return on its investments. Reliance Capital Ltd. is one of India’s leading and amongst the fastest growing private sector financial services companies, and ranks among the leading private sector financial services and banking companies, in terms of net worth. Reliance Capital Ltd. has interests in asset management and mutual funds, life and general insurance, private equity and proprietary investments, stock broking and other financial services. Reliance Money limited Reliance Money, a Reliance Capital company, is part of the Reliance Anil Dhirubhai Ambani Group Reliance Money commenced commercial operations in April 2007. It is a comprehensive financial services and solution provider providing customers with access to Equity, Equity and Commodity Derivatives, Portfolio Management Services, Mutual Funds, IPOs, Life and General Insurance and Gold Coins. Customers can also avail Loans, Credit Card, Money Transfer and Money Changing services. The largest broking house in India with over 2.5 million customers and a wide network of over 10,000 outlets and 20,000 touch points in 5,000+ locations. Reliance Money endeavors to change the way investors transact in financial markets and avails financial services. The average daily volume on the stock exchanges is Rs. 2,000 crores, representing approximately 3% of the total stock exchange volume. Reliance Capital is one of Indias leading and fastest growing private sector financial services companies, and ranks among the top 3 private sector financial services and banking groups, in terms of net worth. â€Å"Success is a journey, not a destination.† If we look for examples to prove this quote then we can find many but there is none like that of Reliance Money. The company which is today known as the largest financial service provider of India. Success sutras of Reliance Money The success story of the company is driven by 9 success sutras adopted by it namely Trust, Integrity, Dedication, Commitment, Enterprise, Hard work, Home work, Team work play, Learning and Innovation, Empathy and Humility and last but not the least it’s the Network . Vision of Reliance Money To achieve sustain market leadership, Reliance Money shall aim for complete customer satisfaction, by combining its human and technological resources, to provide world class quality services. In the process Reliance Money shall strive to meet and exceed customers satisfaction and set industry standards. Mission statement â€Å"Our mission is to be a leading and preferred service provider to our customers, and we aim to achieve this leadership position by building an innovative, enterprising , and technology driven organization which will set the highest standards of service and business ethics.† Highlights of Reliance Money The highlights of Reliance moneys offerings are: 1. Cost-effective The fee charged by the affiliates of Reliance Money, through whom the transactions can be placed, is among the lowest charged in the present scenario. Pay a flat fee of just Rs. 500/- valid for 2 months or specified transactional value. The facility of trading is subject to expiry of the validity period or value limit, whichever comes first. Illustrations depicting fee structure and validity limits Access fee- Rs. 500 Validity- Time validity of 2 months or Turnover validity of Rs. 1 cr., whichever is earlier Turnover limit- Non-delivery turnover of Rs. 90 lac, Delivery turnover of Rs. 10 lac Access fee- Rs. 1350 Validity- Time validity of 6 months or Turnover validity of Rs. 3 cr., whichever is earlier Turnover limit- Non-delivery turnover of Rs. 2.7 cr., Delivery turnover of Rs. 30 lakh Access fee- Rs. 2500 Validity- Time validity of 12 months or Turnover validity of Rs. 6 cr., whichever is earlier Turnover limit- Non-delivery turnover of Rs. 5.4 cr., Delivery turnover of Rs. 60 lakh Unutilized delivery limit may be added to Non-delivery limit 2. Convenience You have the flexibility to access Reliance Money services in multiple ways: through the Internet, Transaction Kiosks, Call Transact (phone) or seek assistance through our Business Partners 3. Security Reliance Money provides secure access through an electronic token that flashes a unique security number every 32 seconds (and ensures that the number used for earlier transaction is discarded). This number works as a third level password that keeps your account extra safe 4. Single window for multiple products Reliance Money, through its affiliates/partners, facilitates transactions in Equity, Equity Commodity Derivatives, Offshore Investments, Mutual Funds, IPOs, Life Insurance and General Insurance products. All overseas investments are subject to rules, regulations and guidelines of the Reserve Bank of India as laid down from time to time 5. 3 in 1 integrated access Reliance Money offers integrated access to your banking, trading and demat account. You can transact without the hassle of writing cheques Demat account with Reliance Capital Hassles free demat account with Reliance Capital. The Annual Maintenance Charge for the Demat Account is just Rs. 50/- per annum 6. Other Services Through the portal www.reliancemoney.com, Reliance Money provides: a. Reliable research, including views of external experts with an enviable track record b. Live news from Reuters and Dow Jones c. CEOs/experts views on the economy and financial markets d. The Personal finance section provides tools that help you plan your investments, retirement, tax, etc e. Analyze your risk profile through the Risk Analyzer f. Get a suitable investment portfolio using the Asset Allocator KEY BENEFITS OF RELIANCE MONEY Equity is a share in the ownership of a company. It represents a claim on the company’s assets and earnings. As you acquire more stock, your ownership stake in the company increases. The terms share, equity and stock mean the same thing and can be used interchangeably. Holding a company’s stock means that you are one of the many owners (shareholders) of a company, and, as such, you have a claim (to the extent of your holding) to everything the company owns. Yes, this means that technically, you own a portion of every piece of furniture; every trademark; every contract, etc. of the company. As an owner, you are entitled to your share of the company’s earnings as well as any voting rights attached to the stock. Another extremely important feature of equity is its limited liability, which means that, as a part-owner of the company, you are not personally liable if the company is not able to pay its debts. In case of other entities such as partnerships, if the partnership goes bankrupt, the partners are personally liable towards the creditors/lenders and they may have to sell off their personal assets like their house, car, furniture, etc., to make good the loss. In case of holding equity shares, the maximum value you can lose is the value of your investment. Even if a company of which you are a shareholder goes bankrupt, you can never lose your personal assets. Reliance Money gives you the access to Over 5000 Schemes of 28 Assets Management Companies (AMCs) with just one account. Some of them included are. Portfolio Tracker Manage your mutual fund portfolio from the Reliance Money account. Benefit from live valuation and alerts and also track NAVs of any scheme online. Choice of investment strategies From just two scheme types (equity scheme and debt scheme) offered when the mutual fund industry was conceived more than four decades ago, today, mutual funds offer a plethora of scheme types with different investment strategies. Life Insurance Reliance Money Account gives you the advantage of buying policies from 12 different Life Insurance companies, helping you get unbiased opinion. General Insurance Reliance Money Account also extends the product offerings from 10 General Insurance Companies with exhaustive range of insurance products that covers most risks including Motor, Health, Property, Marine, Casualty and Liability. Over the Counter Products Your Reliance Money Account makes it so simple for you to buy insurance products that it’s as easy as buying something over the counter. RelianceMoney.com is offering most dynamic web based trading environment to its customers. The new trading platform has many new features which basically fill up the gap between old online trading companies in India and their customers. The Reliance Money trading websites comes with special security features Security Token, which makes you online trading experience more secure without complexity. Stock Trading is available in BSE and NSE. Offline trading is also available through Reliance Money partners in your city and through phone by dialing 022-39886000. TYPE OF ACCOUNT Reliance money is offering 3 types of accounts to its customers. Account for beginners, for meddlers and for experts. How to open account with Reliance Money? Account opening with Reliance Money is easy. Simply fill a form online at below address and somebody from Reliance Money will contact you soon. Advantages of Reliance Money 1. Extra security features with Security which is the most secures and tested technology in computer world. 2. Simple, easy and fast online stock trading. 3. Almost all investment options are available under one account including Equity Trading, Derivatives, Forex, Commodity, IPO, Mutual Funds and Insurance. 4. Branches are now available in all major cities and the number is growing. Branches are open from 9am to 9pm. Online trading is presently at its nascent stage and is not the most preferred option for financial transactions owing to security concerns and lack of accessibility points. Reliance Money through this hi-speed, technologically secure kiosks will therefore be able to reach out to all its existing and potential customers at even the remotest locations in the country without compromising on the security of its customer’s funds. Why should you choose Reliance Money? 1. Because it is from Reliance. Reliance capital has big plans regarding this business. It may announce attractive offers to gain market share. Reliance will never enter into a business with small plans. 2. Its brokerage charges are lowest in the country among major providers. With Rs 2500 prepaid amount, you can trade for Rs 5 crore. 3. Site is simple in design, fast to access and easy to find required information. 4. Its daily reports on market trends and technical breakouts are very useful. 5. Website content is divided according to the requirements of experts and beginners. 6. You can trade in Forex, Derivatives, Mutual funds, IPO and buy Insurance. Why should you stay away from reliance Money? 1. The trading platform is still in development stage. There are many bugs needs to be rectified. 2. Its â€Å"Insta trade† service is not up to the standard. Reliance Money software is a java based simple software. It should provide advanced software to meet the needs of advanced traders. 3. Its system is sometimes very slow and orders are not placed at the time. 4. Its market watch solution is a way behind its competitors like Money control and ICICIdirect. 5. Its service people are not as efficient as competitors. 6. It is still not providing options to buy Post office savings. 7. It is recommending few stocks even when stock markets are on roll. ORGANIZATIONAL STRUCTURE Reliance ADA Group Structure Products PRODUCTS offered by Reliance Money are: 1. Trading Portal (with almost negligible brokerage ) Equity Broking Commodity Broking Derivatives ( Futures Options ) Offshore Investments (Contract For Differences) D-Mat Account. 2. Financial Products Mutual Funds Life Insurance o ULIP plan o Term Plan o Money Back Plan General Insurance o Vehicle/Motor Insurance o Health Insurance o House insurance IPO’s NFOs 3. Value-Added Services Retirement Planning Financial Planning Tax Saving Children Future Planning 4. Credit Cards 5. Gold coins retailing DATA ANALYSIS The data after collection has proposed analyzed in accordance with the outline laid down for the purpose at the time of developing the research plan. The data collected in the stated manner tabulated according to the corresponding variables. The table thus prepared were analyzed interpreted to draw the meaning, out of the study. 1) Do you know about investment options available? KNOWLEDGE %AGE Yes 80% No 20% TOTAL 100 COMMENT Today scenario is changed so that most area covered by the securities and commodity market. It is 24% of the total population. 2) Most preferable investment scenario. Investment scenario %AGE Shares 24% Mutual Funds 20% Bonds 18% Banks 14% Real Estate 10% Insurance 6% Commodity market 4% Others 4% COMMENT Only 80% people know the exact meaning of investment. Because of remaining 20% take his/her residential property as an investment. According to law purpose this is not an investment because of it is not create any profit for the owner. 3).What is the basic purpose of your investment? INVESTMENT PURPOSE %AGE Liquidity 30% Returns 25% Capital appreciation 20% Tax benefits 10% Risk covering 5% Others 10% COMMENT: 30% people are interested in liquidity, 25% in returns and 10% tax benefits. And remaining 20% are interested in capital appreciations, 15% in risk covering and others. 4). From which option you will get the best returns? INVESTMENT SCENARIO %AGE Shares 26% Mutual Funds 27% Bonds 18% Banks 14% Real Estate 22% Insurance 4% Commodity market 5% Others 4% COMMENT: Most of the people say that Mutual fund gives satisfactory result; following it are bonds, shares and banks. 5).Most important things you take into your mind while making investments? FACTOR %AGE Risk 8% Returns 17% Both 75% TOTAL 100 COMMENT 75% people are considered the both factors risk as well as returns but, only 25% considered the risk or returns factor. 6). Do you have any knowledge of share markets? KNOWLEDGE PERCENTAGE Complete 10% Nil 27% Partial 63% COMMENT On that basis, we conclude that 27% people know nothing about the securities investments and 63% people have partial knowledge about it, so, some promotional activities are required for increasing the awareness about security market. 7) If you invested in Share Market, what has been your experience? options %AGE Satisfactory returns received 20 Burned fingers 6 Unsatisfactory results 8 No Results 66 TOTAL 100 COMMENT: Majority of people are in losses and hence they are getting no results. 8) Are you aware of online Share trading? KNOWLEDGE %AGE Yes 72% No 28% TOTAL 100 COMMENT: 72% of respondents are aware of online share trading while 28% of them don’t know about it. 9) Heard about Reliance money? KNOWLEDGE %AGE Yes 82% No 18% TOTAL 100 COMMENT Majority of people are aware about the Reliance Money, this shows that marketing strategy are good. 10) Do you know about the facilities provided by Reliance money? KNOWLEDGE %AGE Yes 76 No 24 TOTAL 100 COMMENT: In spite of good marketing, only 76% people are aware of services offered by Reliance Money. 11).Do you have any de-mat trading account? ACCOUNTS PERCENTAGE Yes 75 No 25 TOTAL 100 COMMENT Only 75% respondents have de-mat and trading account and remaining 25% says no because they don’t know why shares move up and down. 12).In which company you have d-mat and trading account? COMPANY %AGE ICICI DIRECT 30% INDIAINFOLINE 25% INDIA BULLS 22% Reliance Money 16% KARVY 7% HDFC securities 4% COMMENT In Reliance Money 16% respondents have de-mat trading account because of better services and min. annual maintenance and other charges. 13) What differentiates your Share trading company from others? %AGE Brokerage 23 Operating expanses 25 Services 20 Products 17 Software 15 Total 100 Comment Three main factors are brokerage, operating expenses, services, then is products and software. 14) Which Share trading company provides good exposure? Comments Majority of clients of indiabulls feels that the exposure provided by them is neither high nor low, while some believe it is enough. But in ICICI it is contrary. R-Money gets positive response from majority of clients. 15) Which Share trading company provides its Software to customers? Comment As far as software is concerned, R-Money dominates, followed by indiainfoline. 16) Which Share trading company charges fair Brokerage? Comment Although majority of customers of all the firms feel that brokerage charged is neither high nor low, customers of R-Money are highly satisfied. On the other hand, customers of ICICI are most dissatisfied. And about 40% of customers of indiabulls consider it to be NHNL, and another 40% rate it as good, while 20% feel that it is not quite low. 17) Which Share trading company provides fair operating expenses? Comments As per operating charges, comparison among the firms clearly points out that there is not much difference among the firms. First is R-money, followed by indiabulls. 18) Are you satisfied with your present Share trading company? COMMENT This shows that customers of reliance money are not satisfied while Indiainfoline is stood first in this parameter. FINDINGS ? Majority of clients of indiabulls feels that the exposure provided by them is neither high nor low, while some believe it is enough. But in ICICI it is contrary. R-Money gets positive response from majority of clients. ? Although majority of customers of all the firms feel that brokerage charged is neither high nor low, customers of R-Money are highly satisfied. On the other hand, customers of ICICI are most dissatisfied. And about 40% of customers of indiabulls consider it to be NHNL, and another 40% rate it as good, while 20% feel that it is not quite low. ? As far as software is concerned, R-Money dominates, followed by indiabulls. ? As per charges, comparison among the firms clearly points out that there is not much difference among the firms. First is R-money, followed by indiabulls. ? On the basis of call and trade facility, there is again not much differences. Comparison among ICICI and indiabulls shows that icici has less no. of customers who rated it low as compared to indiabulls and also higher no. of customers rate it good, but indiabulls has the edge over the rest when it comes to customers who rate it very high. ? Customer’s feedback regarding the Research Tips parameter shows that the competition is primarily between three firms- Indiabulls, icici and Indiainfoline. ? Reliance Money is gaining its share which is currently at 3.9% market share by providing better offerings, less brokerage and other services, indiabulls is the market leader. ? Approx. 16% respondents have de-mat trading account because min. annual maintenance and other charges. ? R-Money brought many innovations in products which are liked by customers. ? R-Money’s offerings are very competitive. ? Though reliance money is working very hard in order to meet the competition but there is a gap between the expectations and the experiences of the customers which is widening regularly. ? This gap has emerged because of the sales oriented focus of reliance money. ? In order to increase the sales figures, the company has somewhere ignored the service delivery and left the customer on his own. SUGGESTIONS ? Build relationship with the customers to keep them retained. ? Company should start a system of filling up of feedbacks and complaints online so that rectification of errors can be done easily. ? Company should start a kind of soft skill training program for all of its distributors so that the customers feel the same level of satisfaction as they feel while transacting with the company. ? Though the service quality is good but it should become better consistently as good service and better relationships are the key success factors of current market situations. ? The process of documentation is a hassle for customers as it is not at all user friendly. Company should take care of user friendliness of the system. ? In order to fill the gap between actual and expected, company needs to customize its services as it is dealing into financial instruments. ? These financial instruments are risky and it is very essential to make the customer feel that you are taking care of his money. ? This can be done only if all the services are customized and the system is made transparent for the customer as well as for the employees. CONCLUSION The expectations of the customers are regularly increasing because of the increasing competition and emergence of global market. In such conditions it becomes very necessary for a company to fulfill all the expectations of the customers and give them a delightful experience. Reliance Money aims to provide better services by consistently improvement. The study concluded:- Reliance Money Ltd. has better Portfolio Management services than Other Companies Reliance Money Ltd. keeps its process more transparent. Reliance Money Ltd. is giving more returns to its investors. Reliance Money charges are less than other stock brokers. Reliance Money is providing daily updates about the stocks information. Investors are looking for those investment options where they get maximum returns with less costs. Market is becoming complex it means that the individual investor will not have the time to play stock game on his own. People are less aware about the Services provided by Reliance Money. BIBLIOGRAPHY BOOKS: (1) Punithawati Pandiyan, â€Å"Security Analysis Portfolio Management†, Vikas Publishing House, New delhi. (2) Financial Markets, The Icfai University press, Hyderabad, 2007. (3) Donald E. Fisher and Ronald J. Jordan, â€Å"Security Analysis Portfolio Management†, Prentice Hall of India, New Delhi. (4) Zikmund, â€Å"Business Research Methodology† (5) Kothari C.R., â€Å"Research Methodology : Methods and Techniques†, Wishwa Prkashan, New Delhi, 2001. MAGAZINES:- (1) Omkar Goswami, â€Å"New Entrants in Sock Trading†, Business Week, Oct,2003, page 13. (2) Rajesh Gajra, â€Å"Sebi’s Wake Up call†, Business World, June 2008, page20. (3) Srikanth Srinivas, â€Å"Increasing competition in Online Trading†, Business Today, March,2005, page 21. JOURNALS:- (1) Nidhi Walia and Ravinder Kumar, â€Å"Online Stock Trading in India: an empirical investigation†, Indian Journal of marketing, April 2007, page 34-39. (2) Jayanta Kumar Seal, â€Å"Changing Dynamics of Stock Trading†, Portfolio Organizer, Oct. 2007, page 17-25. (3) Aggarwal Sanjiv, â€Å"Stock Trading o Net†, Business Line, Aug. 2000, page 31-37. (4) Mr. Ajay Kumar, â€Å"Comparison of stock Brokers in India†, Indian Journal of Business, June 1999, page 93-96. (5) Nidhi Walia, â€Å"Online Stock Trading in India: on the road of progress†, Applied finance, March 2004, page 21-26. (6) Nay-Fu Chen, Richard Roll and Stephen A. Ross, â€Å"Economic Forces and the Stock Market†, The Journal of Business, Vol. 59, No. 3,383-403, Jul. 1986. INTERNET:- http://en.wikipedia.org/wiki/Stock_Market http://surfindia.com/finance/stock-market.html moneycontrol.com reliancemoney.com sebi.gov.in reliancecapital.com indiainfoine.com icicidierct.com hdfcsecurity.com karvy.com http://nseindia.com http://bseindia.com APPENDIX Questionnaire Name: Age: Sex: Male Female Phone No: 1) Do you know about Investment options available? a) Yes b) No 2) In which of these Financial Instruments do you invest into? a) Shares b) Bonds c) Commodity market d) Insurance e) Mutual Funds f) Banks g) Real Estate i) Others 3) What is the basic purpose of your investment? a) Liquidity b) Returns c) Capital appreciation d) Risk covering e) Tax benefits 4) From which option you will get the best returns? a) Shares b) Bonds c) Commodity market d) Insurance e) Mutual Funds f) Banks g) Real Estate i) Others 5) What are the most important things you take into account, while making any investment? a) Risk b) Returns c) Both 6) Do you have any knowledge of share markets? a) Partial b) Complete c) Nil 7) If you invested in Share Market, what has been your experience? a) Satisfactory returns received b) Burned fingers c) Unsatisfactory results d) No Results 8) Are you aware of online Share trading? a) Yes b) No 9) Heard about Reliance money? a) Yes b) No 10) Do you know about the facilities provided by Reliance money? a) Yes b) No 11) Do you have any D-mat Trading account? a) Yes b) No 12) In which company you have D-mat Trading account? a) Reliance Money d) Karvy b) Indiainfoline e) ICICI direct c) India bulls f) HDFC securities 13) What differentiates your Share trading company from others? a) Brokerage b) Operating Expanses c) Services d) Products e) Software 14) Which Share trading company provides good exposure? 15) Which Share trading company provides its Software to customers? 16) Which Share trading company charges fair Brokerage? 17) Which Share trading company provides fair operating expenses? 18) Are you satisfied with your present Share trading company? a) Satisfied b) Neutral c) Unsatisfied Research Papers on A Competitive Analysis of Trading in Reliance MoneyAnalysis of Ebay Expanding into AsiaThe Project Managment Office SystemIncorporating Risk and Uncertainty Factor in CapitalBionic Assembly System: A New Concept of SelfOpen Architechture a white paperMarketing of Lifeboy Soap A Unilever ProductDefinition of Export QuotasResearch Process Part OneInfluences of Socio-Economic Status of Married MalesPETSTEL analysis of India

Sexual Harrassment in the Workplace

Sexual Harrassment in the Workplace Free Online Research Papers Under federal law, sexual harassment is described as a form of sex discrimination that violates a person’s civil rights, creates a hostile work environment and is conduct that is unwanted and sexual in nature. In 1994, the Supreme Court of the United States ruled that behavior could be considered sexual harassment and a violation of a person’s civil rights if it creates a hostile and abusive working environment. Sexual harassment can occur in a variety of circumstances. It may be physical, verbal or non-verbal. Many businesses have not addressed the issue. Employers and employees do not always know the legal boundaries of sexual harassment because not all workplaces have a sexual harassment policy in place. Some companies do not take the time to educate their employees about sexual harassment or the consequences of such behavior. Sexual harassment occurs in all levels of employment, from lower level to the highest levels of management. The best way to end sexual harassment in the workplace is to take the necessary steps to prevent that type of behavior initially. It is important that a distinction be made between what is illegal behavior, behavior that is legally defined as sexual harassment, and what is undesirable behavior in the workplace. It was not until the Anita Hill verses Clearance Thomas case that the seriousness of sexual harassment in the workplace came into the spotlight. Federal law states that for behavior to be considered as sexual harassment that the behavior or actions have to be unwelcomed and create a hostile work environment. The situation between Frank and Mary definitely constitutes a form of quid pro quo sexual harassment. Frank has a known reputation of being a flirt and flirting with female employees. His actions and statements towards Mary were very inappropriate as well as unprofessional. Although Frank did not directly come out and tell Mary what he wanted from her, his intentions were very clear and direct. When Frank made the statement to Mary that he was sure that her client enjoyed â€Å"desert†, he implied that she had given her client some type of special sexual treatment to land the account and he now expected the same if she wanted him to approve her expense account and avoid any trouble for the bosses that are higher up. He abused his power and violated the trust that Mary had in him as a supervisor. Mary remained professional even though she was placed in a position that made her feel uncomfortable and uneasy. Frank violated Mary’s civil rights by sexually harassing her. She took appropriate action and reported the incident to Human Resources. Her employers can be held liable if they take no action to correct the situation. There are a number of legal boundaries in place to protect employees as well as employers when it comes to sexual harassment. It’s imperative that employers have a strict policy regarding sexual harassment and maintain appropriate procedures to address the issue. Once an employee reports or makes a complaint of sexual harassment or inappropriate behavior, the employer should initiate an investigation immediately. Mary has the right to come to work and not be harassed. It’s her right to be able to work in an environment that is comfortable and not hostile. Before doing this assignment, my knowledge of sexual harassment was very limited. I had an idea of what constituted sexual harassment but not a broad understanding of the legal definitions and the laws pertaining to and protecting victims of sexual harassment. After doing research, my understanding of quid pro quo sexual harassment is that it occurs when a person gives in or rejects sexual advances or behavior that is sexual in nature and used as a basis or condition of decisions that affect their employment or made as a requirement for employment, very similar to a trade off. This type of harassment can only be committed by a supervisor or another person that has the power to make or influence actions directly related to employment that will affect the employee that is being victimized or harassed. Hostile environment sexual harassment happens when a person’s behavior or conduct interferes with and affects an employee’s performance at work and an offensive or hostile environment develops. Examples of this type of sexual harassment are offensive language, explicit graffiti and request for sexual favors. Employers are not the only people who can create a hostile work environment. Co-workers, supervisors and even clients can create this type of environment. When a hostile environment is present, it can affect the moral of employees as well, overall job performance and the company’s reputation. The damage and harm caused by sexual harassment may not be immediately evident. Humiliation, loss of dignity and self-esteem, destruction of professional reputation and physical and psychological injury are just a few examples of the damage sexual harassment can cause. Unfortunately, sometimes victims of sexual harassment have to choose between their jobs and their personal safety. Many sexual harassment victims are never threatened with firing or lack of advancement but instead suffer repeated abuse by a hostile work environment. Federal Equal Opportunity Laws as well as Title VII of the Civil Rights Act of 1964 prohibit sexual harassment on the job. In 2007, The U.S. Equal Employment Opportunity Commission received over twelve thousand charges of sexual harassment. 16.0% of the charges were filed by men. They resolved 11,592 of those charges and recovered forty-nine million dollars for victims. Federal law acknowledges two different sets of legal grounds for claiming sexual harassment under Title VII. The first one is quid pro quo and the second is hostile work environment harassment. When sexual harassment does occur on the job, the victim has the legal right to take their employer to court and sue for damages. Courts follow the doctrine of respondeat superior, which means, the company is held liable even if it had no knowledge of the conduct or behavior. It’s very important that businesses and companies enact strict guidelines and policies concerning sexual harassment. Not doing so places them at risk for liability when an incident of sexual harassment does happen. Claims of sexual harassment can negatively affect a company’s reputation, profits as well as their customers. Lawsuits resulting from sexual harassment cases can cause a company serious financial damage. It’s in the best interest of companies and businesses to educate all of their employees about proper conduct and behavior. They have to educate themselves as well as their employees about boundaries and exactly what constitutes sexual harassment. They must be diligent about what types of behavior is prohibited and unacceptable. A detailed and strict harassment policy should be instituted. Employers have to take immediate and appropriate corrective action when there is a claim of sexual harassment. To avoid and prevent sexual harassment, companies have to act before a problem occurs or develops. The Equal Employment Opportunity Commission encourages employers to take all steps necessary to prevent sexual harassment from occurring. They suggest affirmatively raising the subject, expressing strong disapproval, developing appropriate sanctions, informing employees of their right to raise, and how to raise, the issue of sexual harassment There has to be severe consequences for inappropriate behavior that is deemed as sexual harassment. I believe that if employers inform their employees of the strict penalties that will be enforced in connection with sexual harassment, it will discourage that type of improper behavior. Companies should have a detailed grievance policy and procedure relating to sexual harassment. They need to train their supervisors as well as upper management to deal with issues of sexual harassment. If a company has grievance procedures in place, it will encourage employees to come forward with sexual harassment complaints and provide a sense of security. An effective grievance procedure should provide the victim with alternative methods or avenues for reporting harassment. When an employee reports sexual harassment, the employer should ensure the employee that the matter will be thoroughly investigated and that the complaint will be kept confidential. A victim of sexual harassment must not be forced to address their complaints to a supervisor who is involved in, condones, or ignores the harassment. It’s very important that a company maintain confidentiality, for the sake of the victim as well as the person accused. Once an employer has received a report of sexual harassment, their liability may be reduced or eliminated depending on how quickly and effectively they respond. Under no circumstance should a company or business delay an investigation of sexual harassment for more than a few days. Severe sexual misconduct should be handled immediately. Regardless of how comprehensive or complete a company’s sexual harassment policies and procedures they are bound to fail if a company does not properly and promptly enforce them. Employers must be consistent and aggressive when it comes to sexual harassment. It’s a very serious subject and should be taken seriously at all times. Whatever the situation, a company should take action that is reasonably calculated to end the harassment. Such action must be directed toward the harasser, and may include verbal warnings, written warnings, job transfers, suspension of employment, and, if necessary, termination. In dealing with problems, companies must avoid any measures that penalize the individual who has lodged a sexual harassment complaint. I think that immediate action has to be taken when there is a report of sexual harassment. I think the first step is to launch a full and complete investigation regarding the complaint. Once the investigation is complete, depending on the findings, appropriate action should be taken right away. Penalties for sexual harassment should be based on the severity of the harassment and what extent of damage the victim suffered. One thing is certain, all forms of sexual harassment must be penalized regardless of how innocent the behavior is intended to be. Employees have to be protected from sexual harassment at all costs. Research Papers on Sexual Harrassment in the WorkplaceInfluences of Socio-Economic Status of Married MalesThe Effects of Illegal ImmigrationEffects of Television Violence on ChildrenResearch Process Part One19 Century Society: A Deeply Divided EraTwilight of the UAWPETSTEL analysis of IndiaPersonal Experience with Teen PregnancyRelationship between Media Coverage and Social andThe Relationship Between Delinquency and Drug Use

If assisted suicide is to be permitted, it is essential that Essay

If assisted suicide is to be permitted, it is essential that parliament decides on legislation which, apart from the permission - Essay Example Passive euthanasia on the other hand is not by performing the act itself, but allowing someone to commit suicide. Passive euthanasia therefore is much easily accepted as compared to active euthanasia. Euthanasia by omission is the act wherein a person intentionally hastens the death of someone by not providing normal needs like food and water, and other needs that could prolong life. There also different classifications of euthanasia, there is voluntary, involuntary and non-voluntary. Euthanasia is voluntary if the patient made the request to die. If a patient for example made no actual request due to the incapability to express it, either by the severity of illness or unfit mental state, then it will be non-voluntary. The third classification is when a patient expresses a desire to live but is killed or allowed to die anyway; it is then called involuntary euthanasia. However, there are opposing views on passive euthanasia. Many claims that this type does not intend to take life and is therefore cannot be classified as such. Failure to treat a patient due to the knowledge that it will not help the patient and stopping treatments that are not effective and is not wanted or just proves to be a burden to the patient are in this category, 1 as well as giving fatal doses of pain-killers due to the patient’s need for it to alleviate pain. These practices are in fact considered as good medical practices by the law when done right. England is probably one of the latest to tackle the ethical issues regarding assisted suicide. A number of nations in Europe such as Belgium, Netherlands and Luxembourg have legalized different forms of physician-assisted suicide in the past few years. In the U.S., the state of Oregon has also legalized this practice, by permitting doctors to prescribe fatal doses of medicine to mentally capable but fatally ill patients. The current law in England pertaining to assisted suicide, under the 961 Suicide Act, entails that encouraging or a ssisting in a suicide can face up 14 years of imprisonment. Unfortunately, it has been found that more than a hundred United Kingdom citizens opted to travel to other places in order to end their lives.2 Recently Debbie Purdy, a patient with multiple sclerosis appealed to the House of Lords which ruled after the hearing, that there is a need for greater clarity. Purdy wanted to know if her husband will be prosecuted if he will help her to go abroad to die. Draft guidance was published by Keir Starmer, the director of public prosecutions, soon after, acting out of his own free will and despite his lack of authority to change the law. The draft though has been taken into effect right away. Starmer laid down factors that could possibly influence the possible prosecution of a person which has now been updated after a consultation that received approximately 5000 submissions. Factors that are to be considered before prosecution includes whether the patient made a voluntary decision, if i s well-informed and if he is settled with the action to be undertaken. The motivation and agenda of the accused must also be emphasized, acting entirely out of compassion and not for any financial purposes or gain of it. The set of guides are intended to make individuals with a death wish dwell on whether the person they are asking help from will need to face prosecution or not. However, this guide offers no guarantees

Women Rising From the Ashes of War Essay Example | Topics and Well Written Essays - 1000 words

Women Rising From the Ashes of War - Essay Example Women Rising From the Ashes of War When World War Two broke out, it was a signal that turbulent times were ahead. Men were recruited to fight for their countries. Women had no choice but to let go of their men. It was unknown to everyone what the future will bring, but when the war broke out, it seemed that a bleak tomorrow threatened the world. Women, in particular, assailed by a series of unending attacks to their humanity and had to claw at what appears to be a hint of hope for survival. Class distinctions broke down and the formerly rich women adjusted to life’s painful realities that they had to live like the rest of the commoners. â€Å"Mass observation surveys conducted during 1941 found that many who advocated conscription believed it would force ‘idle rich girls’ to work.† (Smith: 215) The war demanded enormous manpower, not just in the armed forces, but also in industry. Millions of men joined the forces, which left many industries without a satisfactory workforce. The government realised that this shortfall had to be filled, approximately one and a half million workers were needed in munitions alone and it was vital to keep up the production of essential wartime machinery and equipment. The government therefore, took the decision to draft women into ‘men’s’ jobs, just as they had done during the First World War, in an attempt to keep production at a steady level. The new realities faced by the women necessitated that they likewise take part in the war effort in any capacity they can. Most women had to leave their homes to work in a variety of occupations.

Apple, IT and. The Specter of Sweatshop Labor Essay Example for Free

Apple, IT and. The Specter of Sweatshop Labor Essay Apple INC               Apple Company has been in business for more than 40 years designing, manufacturing and market mobile communication and media devices and portable digital music players (Hitchcock, 2011). Apple markets a number of software and a number of networking solutions. Apple is the definition of new and advanced technology. They deal with a range products from music player; IPad, mobile devices; IPhone computers; Mac, television and business and personal software. Their products are distinctive and mostly preferred by an enormous number of customers. Their market base extends globally. Apple products are unique and are identified with their brand name and a picture of an apple fruit. Apple offers support for their products that operate on their internally designed software. Their products are well equipped with modern technology and designed to meet clients’ expectations and needs.               In the modern world, technology dictates our day to day lives. A few decades ago, mobile phones were owned by specific few and mostly used for business. Today mobile phones are used for both personal and business activities. Phones are a sense of direction, communication and a friend to humanity. Apple products have a distinctive nature and a stratified class not owned by many.               IPhone, a product of Apple, is a phone preferred by many abroad and locally. The nature of the phone is designed to operate and meets people daily needs. iPhone is beautifully made mobile device that combines a number of functions. iPhone functions as a communication platform, a digital music player and for internet communication. iPhone features range from communication platform, the internet net work platform, and entertainment. iPhone has a multi-touch user interface, web browsing, PC based email platform and is integrated with other window based computers. iPhone serves as an entertainment platform, integrated with iTunes libraries where one can download music, video clips, software and other application. The phone has different versions with various and advanced technology ranging from iPhone 1 to the recent Apple design iPhone 5 the latest version of iPhone. Apple offers support when it comes to iPhone with their online accessories compatible with thepho ne. The phone is a remarkable piece and appealing to the eye.               Another distinctive product of Apple is the iPad. IPad is a product characterized by entertainment and internet communication. Some of the features of iPad include; music player, a platform for downloading music, video clips and software, web browsing and an email platform. Just like iPhone, iPad is also compatible with window based computers and also Mac range of computers; products of Apple. Ipad has touch user interface and ability to download music, photos, and video clips. Ipad enables people to connect with their applications in more friendly way. The device is both used for running personal errands and business activities. The friendliness of the device enables people of all age ease in using the device. Children prefer ipad since its compatibility with different variety of games, online and offline. Ipad has different versions with their latest fourth-generation iPad mini.                Apple products have distinctive nature of the ‘I’ before their products is their original trademark and other features not found in many related technological devices, a beautiful structure friendly to humanity with their portability feature and remarkable service constituted with support system by the Company.                  The two key external factors affecting Apple Company are increasing completion from companies offering mobile, computer, tablets and television devices and international legal disputes. For many years, Apple has been the leading innovator when it comes to technological devices followed closely with their leading competitors. Microsoft has been the leading competitor of Apple for many years and set up their devices accordingly. Microsoft, the designers of widows based platforms, are the biggest rivals Apple when it comes to computers and tablets applications. Microsoft latest design of Windows 8 is increasingly threatening Apple domination of tablets application. Windows 8 comes with a designed app store a feature which was only evident in Apple line of tablets. This real completion for Apple and might turn out to be a catastrophe for Apple company. Widows’ app store offer varieties that are bad for business for Apple INC.                  Windows phones were also a big competition for Apple Company but recently Google has set up and surpassed widows. Google Android operating systems and Android line of phones are now the main competitors for Apple iPhone and operating systems. The market base for Android products is threatening Apple market base for iPhones and operating systems. Google recent development, of purchasing Motorola, is a big problem for Apple because of Google huge manufacturer of mobile devices. Another development of Google threatening Apple is their new design of home theater systems of Televisions partnering with Sony and Samsung Companies.               The second critical external factor affecting Apple Company is continued international legal disputes around the world. Apple being the leading innovators for their line of products makes them be the hunted and not the hunters. One of their going international legal disputes is the ongoing co-wireless licensing patent lawsuit. Co-wireless licensing patent an ally of Microsoft is suing Apple for wireless patents. If the lawsuit were to go through, this would be a huge blow for Apple since most of their products operate on a wireless network.                Apple is also facing another international legal dispute following claims that Apple purchased iPad trademark illegally. With their distinctive feature of their products starting with an ‘i’, this lawsuit could turn out to be a catastrophe for the company disrupting the flow of Apple tablet market share. These legal disputes are bad for business for the Apple Company and if they were to go through it could mark the end of the leading innovators Apple INC.                  Stakeholders in an organization include customers, employees, the entire community, suppliers and the business partners. Customers and the community are the key stakeholders in the success of an organization. Satisfied customers and the whole community lead to real business. Primary stakeholders affect an organization mostly financially. Primary stakeholders include shareholders, employees, and suppliers.                Primary stakeholders contribute to an organization’s environmental risks that impact negatively on financial performance of an organization. For example, the lawsuit affecting Apple INC, are environmental risks facing the company as a result of the Company’s management decisions and employees contributions.                Managing risks are also caused by executives of the company whole and poorly having in my mind that stakeholders are on their side contributing to financial problems. Management of an organization are the building blocks of a company and how they operate or run business affect the firm directly and reflect on the finances of the Company. Apple Company operates under a strict management and a no-nonsense leader.                  Inadequate participation of employees may contribute to poor financial performances. Pressure from the employees is evident on how a firm performs (Henriques and Sadorsky, 2007). Steve Jobs exact pressure on his employees and many consider him a tough leader; as Apple continues to record profits in their financial reports.                Another factor that affects financial performance of an organization is the structure and working of an organization. Apples leadership under Steve Jobs who was very strict when it comes to the Company’s performance and does not take any incompetence from the employees lightly. Apple Company has a well-structured supply chain management that coordinates its suppliers, the operations of the organization and the customers. This coordination by Apple and its business partners ensures smooth operations in the Company eliminating possibility of registering loses.                Labor practices are a controversial corporate social responsibility concern associated with Apple. Apple has been accused of overworking its’ employees following recent speculations from two supplier shops in China known as Foxconn and Inventec. Media recorded that; workers in these Companies are forced to work long hours and are underpaid. In addition, they are forced to live on the premises of these Companies where they have to pay rent and other expenses from the little they earn from the Company. This has raised debates over Chinese labor regulations and whether it is entirely Apple’s fault of Foxconn fault. Apple continues to defend their reputation by claims that they uphold acceptable working standards (Ericka, 2008). References Morphy, Ericka (January 31, 2008), â€Å"Apple, IT and. The Specter of Sweatshop Labor,† Mac New World Christina Hitchcock, (Oct,11,2011). â€Å"Apple, Inc. Mission Statement, Business Description, and (n.d.).† Retrieved from http://christinaahitchcock.com/?p=102Brayden King (Mar, 4, 2013).â€Å"Managing the Reputational and Market Risks of Social Activism† Retrieved from http://insight.kellogg.northwestern.edu/article/managing_the_reputational_and_market_risks_of_social_activism/Peter, muller. (Apr 8, 2012). â€Å"External Factors. affecting AppleInc† Retrieved fromwww.youtube.com/watch?v=2sOdHonN8jQ Source document