Personal, Organizational and Cultural Values Essay Example for Free

Personal, Organizational and Cultural Values Essay Personal, organizational and cultural values are common approach to understand conflict or success in today global business environment. With the increasingly globalized economy and climate of multicultural workforce, organizations is continuously implementing and establishing desired core values to remain competitive. This paper will discuss how one can reconcile personal, organizational and cultural values in global settings. Personal values develop when the individual start to interact within family, school or religious organization. The followings are considered the core personal values in my life personally: goals oriented, respect, caring and trustworthy. Personal values will always be the foundation for each individual path of life. They are personal belief and philosophy for one to live by. Personal values shape our choices, impact the decision about our ability and how to treat ourselves and others. Experiences and interactions with external units influence the values people deem important to them. Personal values become a personal direction for people on how to live their lives. Ghosh (2008) explains â€Å"The individuals cognitive moral development stage determines how an individual thinks about ethical dilemmas, his or her process of deciding what is right and wrong in a situation. †(Ghosh, 2008). Organizational values are established rules and polices that each organization believes to be acceptable and logic, professional and practical. Organizational values also provide a basis for employee decision making in the workplace. In my professional career, I have always set my goals to develop the following core organizational values: loyalty, reliability, hard work and commitment. Fenton (2007) explains: â€Å"when organizations articulate their values, they take what are thought to be shared, stable, and deeply held beliefs and communicate them as standards to guide decisions and actions, often with the intent of increasing productivity, improving efficiencies, and acting socially responsible. † (Fenton, 2007). Findings in a Deloitte and Touche Ethics and Workplace survey also reveal the critically important influence that management and supervisors have in promoting ethical workplace behavior by all workers. (Verschoor, 2007). The above mentioned survey explains: â€Å"Management and leadership have a huge responsibility in setting examples for their organizations and living the values they preach if they want to sustain a culture of ethics. † (Verschoor, 2007) Similar to personal values, cultural values are deep-rooted since childhood. Cultural values are developed in social heritage, traditions and reflect psychological, religious or spiritual, and moral experiences. Cultural Values are closely related to personal values since they are developed from the individual tradition, heritage and origin. Cultural values differ in several levels: ethnicity, religion, organization. Different cultures interpret moral and values differently therefore, affect individual interactions in many level. The influence of cultural values has a significant impact on how people and organizations operate and make their decisions. Cultural values affect actions in both personal and organizational level Verschoor, C. (2007) survey also found that more than 91% of working adults are more likely to behave ethically at work when they have a good balance between their job and their personal life. It was said that quality of an employee’s personal life strongly influences job satisfaction and related productivity, the 2007 Deloitte and Touche Ethics and Workplace survey shows that work-life balance also promotes ethical behavior in the (Verschoor, 2007) Values are energizing, motivating and inspiring. When people care passionate about something they will urge themselves with achievement Instilling and maintaining a values-oriented approach to ethics in the workplace, together with giving greater attention to related work-life balance issues, should remain at the top of the agenda of organizations. Employee fulfillment is essential to customer satisfaction, good quality, high productivity, low turnover, and other factors that lead to superior corporate financial performance (Verschoor, 2007) Employees make decisions in the workplace often reflecting value judgment and having ethical connotations. Corporate values are often used interchangeably with the concept of corporate culture. The usual paradigm is that corporations with strong positive cultures have institutionalized a set of corporate values. These values help employees identify with the organization and develop a commitment to its goals (Ghosh, 2008). In conclusion, personal and cultural values have become core elements in today global economy. Organizations calculate and implement these core values with the intent to improve efficiency and productivity, and establish organizational values and standards to communicate to all employees. Personal and cultural values have a major effect in people lives and interactions, and clearly work performance. To be able to find a balance between organizational values and personal, cultural values is the solution to career fulfillment and life satisfaction.

The Apathetic Generation :: Argumentative Persuasive Argument Essays

The Apathetic Generation The â€Å"Greatest Generation,† the generation of our grandparents, was the generation that beat the enemy down in the European and Pacific theater with pure determination and will. That generation showed past and future generations what it meant to be a strong, steadfast, and hardworking nation with determination. During this election, rumors of a draft, a draft to help fray some of the casualties that we have been encoring while fighting the War on Terror, have circulated. The re-staffing of draft boards and the introduction of a draft reinstatement bills by Rep. Charles Rangel (D-NY) can be looked upon as a catalyst to these rumblings. Young adults across the nation have been in chat rooms talking about how this war is another Vietnam and how there is no way they will be drafted. This is such a touchy subject that President Bush said during the debate that the U.S. Armed Forces will stay an all-volunteer force. Our grandparents’ generation would never have said how they wouldn’t go to war if the government asked them. You may say that was a different time. But both WWII and this war began with attacks on our soil. If the draft is reinstated, would that be the worst thing to happen to this country? I admit it would be a devastating blow to us in regards to morale, but it would not be the worst thing to happen . Our generation is a generation of softies. We have no idea what it means to sacrifice things like metal, iron, pantyhose, and even butter for the greater good of a national cause. Our generation has a bigger fight than the â€Å"Greatest Generation.† We are fighting a war with an ideology, not a government. We are fighting a group of people who hate us because of our love for freedom. If a draft is part of the American fabric, we should be leery of it. But at the same time, if we don’t have the men to fight this war, we will lose our way of life, a way of life that may never be regained. This period of history is the most uncertain in modern times. We may disagree with the politics of the day, but if you take the politics away you still have a war that needs to be won. Won with the characteristics of the â€Å"Greatest Generation† that have been lost within the era of computers and self indulgence.

International Journal of Accounting and Financial Essay

ABSTRACT The role of Indian mutual fund industry as significant financial service in financial market has really been noteworthy. In fact, the mutual fund industry has emerged as an important segment of financial market of India, especially in channelizing the savings of millions of individuals into the investment in equity and debt instruments. Mutual funds are seemingly the easiest and the least stressful way to invest in the stock market. Quiet a large amount of money has been invested in mutual funds during the past few years. Any investor would like to invest in a reputed Mutual Fund organization. Mutual funds are financial intermediaries concerned with mobilizing savings of those who have surplus and the canalization of these savings in those avenues where there is a demand for funds. These intermediaries employ their resources in such a manner as to provide combined benefits of low risk, steady return, high liquidity and capital appreciation through diversification and expert management. Reforms in the  Indian economic system and the opening up of the economy have been the reasons for the tremendous growth in the Indian capital market. This study analyzes the impact of different demographic variables on the attitude of investors towards mutual funds. Apart from this, it also focuses on the benefits delivered by mutual funds to investors. To this end, 200 respondents of Solapur City, having different demographic profiles were surveyed. The study reveals that the majority of investors have still not formed any attitude towards mutual fund investments. KEYWORDS: Mutual Fund, Investors, Solapur City INTRODUCTION Mutual fund is a pool of money collected from investors and is invested according to certain investment options. A mutual fund is a trust that pools the saving of a no. of investors who share a common financial goal. A mutual fund is created when investors put their money together. It is, therefore, a pool of investor’s fund. The money thus collected is then invested in capital market instruments such as shares, debentures and other securities. The income earned through these investments and the capital appreciations realized are shared by its unit holders in proportion to the no. of units owned by them. The most important characteristics of a fund are that the contributors and the beneficiaries of the fund are the same class of people namely the investors. The term mutual fund means the investors contribute to the pool and also benefit from the pool. The pool of funds held mutually by investors is the mutual fund. A mutual fund business is to invest the funds thus collected according to the wishes of the investors who created the pool. Usually the investor’s appoint professional investment managers create a product and offer it for investment to the investors. This project represents a share in the pool and pre status investment  Pritam P. Kothari & Shivganga C. Mindargi  objectives. Thus, a mutual fund is the most suitable investment for a common man as it offers an opportunity to invest in a diversified, professionally managed basket of securities at relatively low cost. EVOLUTION OF INDIAN MUTUAL FUND INDUSTRY The formation of Unit Trust of India marked the evolution of the Indian mutual fund industry in the year 1963. The primary objective at that time was to attract the small investors and it was made possible through the collective efforts of the Government of India and the Reserve Bank of India. The history of mutual fund industry in India can be better understood divided into following phases: Establishment and Growth of Unit Trust of India – 1964-87 Unit Trust of India enjoyed complete monopoly when it was established in the year 1963 by an act of Parliament. UTI was set up by the Reserve Bank of India and it continued to operate under the regulatory control of the RBI until the two were de-linked in 1978 and the entire control was transferred in the hands of Industrial Development Bank of India (IDBI). UTI launched its first scheme in 1964, named as Unit Scheme 1964 (US-64), which attracted the largest number of investors in any single investment scheme over the years. UTI launched more innovative schemes in 1970s and 80s to suit the needs of different investors. It launched ULIP in 1971, six more schemes between 1981-84, Children’s Gift Growth Fund and India Fund (India’s first offshore fund) in 1986, Mastershare (Inida’s first equity diversified scheme) in 1987 and Monthly Income Schemes (offering assured returns) during 1990s. By the end of 1987, UTI’s assets under management grew ten times to Rs 6700 crores. Entry of Public Sector Funds – 1987-1993 The Indian mutual fund industry witnessed a number of public sector players entering the market in the year 1987. In November 1987, SBI Mutual Fund from the State Bank of India became the first non-UTI mutual fund in India. SBI Mutual Fund was later followed by Canbank Mutual Fund, LIC Mutual Fund, Indian Bank Mutual Fund, Bank of India Mutual Fund, GIC Mutual Fund and PNB Mutual Fund. By 1993, the assets under management of the industry increased seven times to Rs. 47,004 crores. However, UTI remained to be the leader with about 80% market share. 1992-93 UTI Public Sector Total Amount Mobilised 11,057 1,964 13,021 Assets Under Management 38,247 8,757 47,004 Mobilisation as % of Gross Domestic Savings 5.20% 0.90% 6.10% Emergence of Private Secor Funds – 1993-96 The permission given to private sector funds including foreign fund management companies (most of them entering through joint ventures with Indian promoters) to enter the mutal fund industry in 1993, provided a wide range of choice to investors and more competition in the industry. Private funds introduced innovative products, investment techniques and investor-servicing technology. By 1994-95, about 11 private sector funds had launched their schemes. Growth and SEBI Regulation – 1996-2004 The mutual fund industry witnessed robust growth and stricter regulation from the SEBI after the year 1996. The mobilization of funds and the number of players operating in the industry reached new heights as investors started showing more interest in mutual funds. A Study of Investors Attitude towards Mutual Fund with Special Reference to Inversotrs in Solapur City Investors’ interests were safeguarded by SEBI and the Government offered tax benefits to the investors in order to encourage them. SEBI (Mutual Funds) Regulations, 1996 was introduced by SEBI that set uniform standards for all mutual funds in India. The Union Budget in 1999 exempted all dividend incomes in the hands of investors from income tax. Various Investor Awareness Programmes were launched during this phase, both by SEBI and AMFI, with an objective to educate investors and make them informed about the mutual fund industry. Growth and Consolidation – 2004 Onwards The industry has also witnessed several mergers and acquisitions recently, examples of which are acquisition of schemes of Alliance Mutual Fund by Birla Sun Life, Sun F&C Mutual Fund and PNB Mutual Fund by Principal Mutual Fund. Simultaneously, more international mutual fund players have entered India like Fidelity, Franklin Templeton Mutual Fund etc. There were 29 funds as at the end of March 2006. This is a continuing phase of growth of the industry through consolidation and entry of new international and private sector players. Indian mutual fund industry reached Rs 1,50,537 crore by March 2004. It is estimated that by 2010 March-end, the total assets of all scheduled commercial banks should be Rs 40,90,000 crore. The annual composite rate of growth is expected 13.4% during the rest of the decade. In the last 5 years there is an annual growth rate of 9%. According to the current growth rate, by year 2010, Mutual fund  India assets will be double FEATURES THOSE INVESTORS LIKE IN MUTUAL FUND If mutual funds are emerging as the favorite investment vehicle it is because of the many advantages. They have over other forms and avenues of investing parties for the investors who has limited resources available in terms of Capital and ability to carry out detailed reserves and market monitoring. These are the major advantages offered by mutual fund to all investors: Professional Management Mutual Funds provide the services of experienced and skilled professionals, backed by a dedicated investment research team that analyses the performance and prospects of companies and selects suitable investments to achieve the objectives of the scheme. Diversification Mutual Funds invest in a number of companies across a broad cross-section of industries and sectors. This diversification reduces the risk because seldom do all stocks decline at the same time and in the same proportion. You achieve this diversification through a Mutual Fund with far less money than you can do on your own. Convenient Administration Investing in a Mutual Fund reduces paperwork and helps you avoid many problems such as bad deliveries, delayed payments and follow up with brokers and companies. Mutual Funds save your time and make investing easy and convenient. Return Potential Over a medium to long-term, Mutual Funds have the potential to provide a higher return as they invest in a diversified basket of selected securities. Pritam P. Kothari & Shivganga C. Mindargi Low Costs Mutual Funds are a relatively less expensive way to invest compared to directly investing in the capital markets because the benefits of scale in brokerage, custodial and other fees translate into lower costs for investors Liquidity In open-end schemes, the investor gets the money back promptly at net asset value related prices from the Mutual Fund. In closed-end schemes, the units can be sold on a stock exchange at the prevailing market price or the investor can avail of the facility of direct repurchase at NAV related prices by the Mutual Fund Transparency You get regular information on the value of your investment in addition to disclosure on the specific investments made by your scheme, the proportion invested in each class of assets and the fund managers investment strategy and outlook Flexibility Through features such as regular investment plans, regular withdrawal plans and dividend reinvestment plans, you can systematically invest or withdraw funds according to your needs and convenience Affordability Investors individually may lack sufficient funds to invest in high-grade stocks. A mutual fund because of its large corpus allows even a small investor to take the benefit of its investment strategy. Well Regulated All Mutual Funds are registered with SEBI and they function within the provisions of strict regulations designed to protect the interests of investors. The operations of Mutual Funds are regularly monitored by SEBI. DISADVANTAGES OF MUTUAL FUNDS Above I have mentioned the various advantages of Mutual Funds but it also suffers from a lot of drawbacks as the market is volatile and it is ever affected by national as well as international factors, these days we can see that crude oil prices in International market has become an important factor  in determining the market movement. Here are some disadvantages as cited by me and by survey: Fluctuating Returns Mutual funds are like many other investments without a guaranteed return: there is always the possibility that the value of your mutual fund will depreciate. Unlike fixed-income products, such as bonds and Treasury bills, mutual funds experience price fluctuations along with the stocks that make up the fund. When deciding on a particular fund to buy, you need to research the risks involved – just because a professional manager is looking after the fund, that doesn’t mean the performance will be always good Diversification Although diversification is one of the keys to successful investing, many mutual fund investors tend to over diversify. The idea of diversification is to reduce the risks associated with holding a single security; over diversification (also known as diversification) occurs when investors acquire many funds that are highly related and, as a result, don’t get A Study of Investors Attitude towards Mutual Fund with Special Reference to Inversotrs in Solapur City the risk reducing benefits of diversification. At the other extreme, just because you own mutual funds doesn’t mean you are automatically diversified. For example, a fund that invests only in a particular industry or region is still relatively risky. For example: Sect oral Funds Cash and More Cash As you know already, mutual funds pool money from thousands of investors, so everyday investors are putting money into the fund as well as withdrawing investments. To maintain liquidity and the capacity to accommodate withdrawals, funds typically have to keep a large portion of their portfolios as cash. Having ample cash is great for liquidity, but money  sitting around as cash is not working for you and thus is not very advantageous. Costs Mutual funds provide investors with professional management, but it comes at a cost. Funds will typically have a range of different fees that reduce the overall payout. In mutual funds, the fees are classified into two categories: shareholder fees and annual operating fees. The shareholder fees, in the forms of loads and redemption fees are paid directly by shareholders purchasing or selling the funds. The annual fund operating fees are charged as an annual percentage – usually ranging from 1-3%. These fees are assessed to mutual fund investors regardless of the performance of the fund. As you can imagine, in years when the fund doesn’t make money, these fees only magnify losses. Figure 1: Structure of Mutual Fund A mutual is a set up in the form of trust, which has sponsor, trustee, assets management company (AMC) and custodian. Sponsor is the person who acts alone or in combination with another body corporate and establishes a mutual fund. Sponsor must contribute at least 40% of the net worth of the investment managed and meet the eligibility criteria prescribed under the Securities and Exchange Board of India (Mutual Funds) regulations, 1996. The sponsor is not responsible or liable for any loss or shortfall resulting from the operation of the schemes beyond the initial contribution made by it towards setting up of Mutual Fund. The Mutual Fund is constituted as a trust in accordance with the provisions of the Indian Trusts Act, 1882 by the Sponsor. Trustee is usually a company (corporate body) or a board of trustees (body of individuals). The main responsibility of the trustee is to safeguard the interest of the unit holders and also ensure that AMC functions in the interest of investors’ and in accordance with the Securities and Exchange Board of India (Mutual Fund) Regulations 1996 the provisions of the Trust deed and the offer Document of the respective schemes. The AMC is appointed by the Trustees Pritam P. Kothari & Shivganga C. Mindargi as the investment Manager of the Mutual Fund. The AMC is required to be approved by SEBI to act as an asset management company of the Mutual Fund. The AMC if so authorized by the Trust Deed appoints the Registrar and Transfer Agent to agent the mutual fund. The registrar processes the application form, redemption requests and dispatches account statements to the unit holders. The Registrar and Transfer agent also handles communications with investors’ and updates investor records. REVIEW OF LITERATURE Lenard et., al. (2003) empirically investigated investor’s attitudes toward mutual funds. The results indicate that the decision to switch funds within a fund family is affected by investor’s attitude towards risk, current asset allocation, investment losses, investment mix, capital base of the fund age, initial fund performance, investment mix, fund and portfolio diversification. The study reported that these factors are crucial to be considered before switching funds regardless of whether they invest in non-employer plans or in both employer and non-employer plans. Bollen (2006) studied the dynamics of investor fund flows in a sample of socially screened equity mutual funds and compared the relation between annual fund flows & lagged performance in SR funds to the same relation in a matched sample of conventional funds. The result revealed that the extra-financial SR attribute serves to dampen the rate at which SR investors trade mutual funds. The study noted that the differences between SR funds and their conventional counterparts are robust over time and persist as funds age. The study found that the preferences of SR investors may be represented by conditional multi-attribute utility function (especially when SR funds deliver positive returns). The study remarked that mutual fund companies can expect SR investors to be more loyal than investors in ordinary funds. Walia and Kiran (2009) studied investor’s risk and return perception towards mutual funds. The study examined investor’s perception towards risk involved in mutual funds, return from mutual funds in comparison to other financial avenues, transparency and disclosure practices. The study investigated  problems of investors encountered with due to unprofessional services of mutual funds. The study found that majority of individual investors doesn’t consider mutual funds as highly risky investment. In fact on a ranking scale it is considered to be on higher side when compared with other financial avenues. The study also reported that significant relationship of interdependence exists between income level of investors and their perception for investment returns from mutual funds investment. Saini et., al. (2011) analyzed investor’s behavior, investors’ opinion and perception relating to various issues like type of mutual fund scheme, its objective, role of financial advisors / brokers, sources of information, deficiencies in the provision of services, investors’ opinion relating to factors that attract them to invest in mutual and challenges before the Indian mutual fund industry etc. The study found that investors seek for liquidity, simplicity in offer documents, online trading, regular updates through SMS and stringent follow up of provisions laid by AMFI. Singh (2012) conducted an empirical study of Indian investors and observed that most of the respondents do not have much awareness about the various function of mutual funds and they are bit confused regarding investment in mutual funds. The study found that some demographic factors like gender, income and level of education have their significant impact over the attitude towards mutual funds. On the contrary age and occupation have not been found influencing the investor’s attitude. The study noticed that return potential and liquidity have been perceived to be most lucrative benefits of investment in mutual funds and the same are followed by flexibility, transparency and affordability. STATEMENT OF THE PROBLEM Mutual funds have their drawbacks and may not be for everyone. No investment is risk free. If the entire stock market declines in value, the value of mutual fund shares will go down as well, no matter how balanced the portfolio. A Study of Investors Attitude towards Mutual Fund with Special Reference to Inversotrs in Solapur City Investors encounter fewer risks when they invest in mutual funds than when they buy and sell stocks on their own. However, anyone who invests through a mutual fund runs the risk of losing money. All funds charge administrative fees to cover their day-to-day expenses. Some funds also charge sales commissions or â€Å"loads† to compensate brokers, financial consultants, or financial planners. When he invests in a mutual fund, they depend on the fund’s manager to make the right decisions regarding the fund’s portfolio. If the invests in Index Funds, they foregoes management risk, because these funds do not employ managers. Though these are the problems in the investment of mutual funds, in the recent days most of the investors preferred to invest their funds on mutual funds. In this background, the research has made an attempt to study the investors’ preference for mutual funds in Solapur City. LIMITATIONS OF THE STUDY The present study is based upon the results of survey conducted on 200 mutual fund investors. The implications of the study are subject to the limitations of sample size, psychological and emotional characteristics of surveyed population. SCOPE OF THE STUDY This paper provides Future of Mutual Funds industry information as well as awareness level amongst people for Mutual Funds. Also this project report of Mutual Funds gives an outlook to management as to how the mutual funds are performing in the current market situation as a result what may be the future of this industry. This paper on mutual funds is informative the students who want to understand and undertake assignments in the industry. This study also facilitates the general people who can understand the importance and explore the new option for investment in Mutual Funds. Different financial institutions provide services that are both complementary to and competitive with each other. A well built financial system directly contributes to the growth of the country. RESEARCH METHODOLOGY This study is descriptive in nature based on survey method. The study aims at finding out the attitude of the investors towards investment in mutual funds in Solapur city. This study was based mainly on primary sources. The primary data was collected from the investors of mutual funds with help of the questionnaire. The secondary data were collected from the books, records and journals. By adopting convenience sampling, 200 respondents were selected for this study. The essential data were collected with the help of questionnaire. The data collected from the period of January 2011 to April 2011. DATA ANALYSIS AND INTERPRETATION Figure: 2 Showing Pattern of Investment Pritam P. Kothari & Shivganga C. Mindargi From above figure it is clear that 75% investors are invested in open ended schemes where as 15% invested in closed ended schemes in mutual fund. Figure: 3 Reason for Investment in Mutual Fund From above figure it is clear that and 42% investors say that they invested money in mutual fund for tax assumption. 33% investors say that they invested money in mutual fund for higher returns. 16% investors say that they invested money in mutual fund for value creation in fund. 9% investors say that they invested money in mutual fund for other reason. Figure: 4 Showing the Reason of Investors that not Invested Money in Mutual Fund From above figure is clear that 50% investors say that they not interested to invest money in mutual fund. 33% investors say that they have imperfect knowledge in mutual fund, so they are not invested. 8.5% investors say that they invested in govt. bond. 8.5% investors has other reason so they not invested money in mutual fund. Figure: 5 Showing Type of Investment Investors Should be Preferred A Study of Investors Attitude towards Mutual Fund with Special Reference to Inversotrs in Solapur City From above figure it is clear that investors invest money in fixed deposits. 15 25% investors invest money in gold/real estates. 17% investors invest money in mutual fund. 8% investors invest money in bond/debentures. Remaining 17% investors invest money in shares. Figure: 6 Showing Returns Investor get from their Investment From above figure it is clear that 70% investors are gaining 5-15% returns from their investment. 23% are gaining 15-30% returns from their investment. 5% investors are gaining 30-45% returns from their investment. Remaining only 2% investors is gaining above 45% returns from their investment. Figure: 7 Showing Duration of Investment From above it is clear 80% investors are dealing in short term duration whereas 20% investors are dealing in long term duration. Figure: 8 Showing the Investors Experience in Mutual Fund Pritam P. Kothari & Shivganga C. Mindargi From above figure it is clear that 73% investors say that they are having bad experience in mutual fund. 12% investors say that they are having good experience in mutual fund. Remaining 15% investors say that their experience is ok. FINDINGS AND SUGGESTIONS Findings †¢The trend for investment is changing rapidly besides the traditional pattern of investment and people today they are ready to undertake risk and also bear the volatility of changing mutual fund market scenario. †¢This shows that people with Middle Income Group are more attractive this market and are ready to bear the risk. †¢It is observed that 75% investors have invested open ended schemes that they want higher returns on their investment rather than investing in closed ended schemes in mutual fund. †¢It is observed that 42% investors have invested money for tax assumption.33% investors have invested money for higher returns in their investment.16% investors have invested money for value creation in fund. And remaining 9% investors have invested money for other reason. †¢It is observed that 50% investors have not interested to invest money in mutual fund.33% investors have imperfect knowledge so they not invested money in mutual fund.9% investors find govt. securities bond is better that’s way they not invested money in mutual fund. And remaining 8% investors have other reason so they not invested money in mutual fund. †¢It is observed that more businessmen were inclined towards investing in current account. The ladies were inclined to invest their money in Gold and jewelleries. Service class people and retired class people prefer more saving and fixed deposits People with high income. †¢It is observed that 70% investors have invested to getting returns in the range of 5-15% which shows in short span of time they are getting good returns and more than expectations. †¢It is observed that 80% investors have invested in short term duration which indicates the investors have not ready to invest in long term period due to various risks associated with long term duration of investment. †¢On asking how they get knowledge of mutual fund a large number of them attributed to print media. Even banks today follow the role of the investment advisors. Very few get any information from the e-media or Hence, AMCs must increase the awareness about their product through Electronic media (TVs, Cables, Radios etc.) as well as and should not just constrained itself to the print advertisement those who do not read newspaper. SUGGESTIONS Investor’s Point of View The question that entire customer, irrespective of the age group and financial status, think of is- Are mutual funds are a safe option? What makes them safe? The basis of mutual fund industry’s safety is the way the business is defined and regulation of law. Since the mutual fund invests in the capital market instruments, so proper knowledge is essential. Hence the essential requirement is well informed seller and equally informed buyer who  understands and helped them to understand the product (here we can say the capital market and the money market instruments) is the essential preconditions. A Study of Investors Attitude towards Mutual Fund with Special Reference to Inversotrs in Solapur City Being Prudent Investor One Should †¢Ask one’s agent to give details of different schemes and match the appropriate ones. †¢Go to the company records or the fund house regarding any queries if one is not satisfied by the agents. †¢Investors should always keep an eye on the performance of the scheme and other good schemes as well which are available in the market for the closed comparison. †¢Never invest blindly in the investments before going through the fact sheets, annual reports etc. of the company. Since, according to the Guidelines of SEBI The AMCs are bound to disclose all the relevant data that is necessary for the investment purpose of investors. Company’s (Mutual Fund Companies) Point of View  Following measures can be taken by the company for getting higher investments in the mutual fund schemes: †¢Educate the agents or the salesmen properly so that they can take up the queries of the customer effectively. †¢Set up separate customer care divisions where the customers can anytime pose their query, regarding the scheme or the current NAV etc. These customer care units can work out in accordance with the requirements of the customer and facilitates them to choose the scheme that suits their financial status. †¢Conduct seminars or programs about mutual fund where every information about the product is outlined including the risk factor associated with the different classes of assets. †¢Brokers should reduce the brokerage charges for intra day and delivery based so that the investor can save more amounts to generate extra investment for the investor as well as for the Mutual Fund companies. †¢Mutual Fund companies should try to increase the promotion and advertisement strategies for awareness of Mutual fund in solapur city. CONCLUSIONS The mutual fund industry is growing at a tremendous pace. A large number of plans have come up from different financial resources. With the stock markets oaring the investors are attracted towards these schemes. Only a small segment of the investors still in Mutual Funds and the main source  sources of information still are the financial advisors followed by advertisements in different media. The Indian investors generally invest over period of 2-3 years. Also there is a tendency to invest in fixed deposits due to the security attached to it. In order to excel and make mutual funds a success, companies still need to create awareness and understand the psyche of the Indian customer. REFERENCES Agapova, Anna, 2011, „The Role of Money Market Mutual Funds in Mutual Fund Families , Journal of Applied ‟ 1. Finance, Vol. 21, Issue. 1, pp. 87-102. Agarwal, Vikas; Boyson, Nicole M.; Naik, Narayan Y, 2009, „Hedge Funds for Retail Investors? An Examination of Hedged Mutual Funds , Journal of Financial & Quantitative Analysis, Vol. 44, Issue 2, pp. 273-305. ‟ 2. 12 Pritam P. Kothari & Shivganga C. Mindargi 3. A. Vennila, R. Nandhagopal(2012) â€Å"Investors’ Preference towards Mutual Funds in Coimbatore City European Journal of Social Sciences ISSN 1450-2267 Vol.29 No.1 (2012), pp. 115-125 4. Binod Kumar Singh (2011) â€Å"A Study on Investors’ Attitude towards Mutual Funds as an Investment Option† JOURNAL OF ASIAN BUSINESS STRATEGY, VOL. 1(2): 8-15 5. Badrinath, S.G & Gubellini, S, (2011), „On the characteristics and performance of long-short, market-neutral and bear mutual funds , Journal of Banking & Finance, Vol. 35 Issue 7, pp.1762-1776. ‟ 6. Dranikoff L, Koller, T. and Schneider, A, â€Å"Divestiture: Strategy’s Missing Link†, Harvard Business Review, May 2002, 80 (5). 7. Dr.Nishi Sharma (2009) â€Å"Indian Inverstors Perception towards mutual funds† Business Management Dynamics Vol.2, No.2, Aug 2012, pp.01-09 8. Gil-Bazo, Javier; Ruiz & Verd, Pablo, 2009, „The Relation between Price and Performance in the Mutual Fund Industry , Journal of Finance, Vol. 64, Issue 5, pp. 2153-2183. ‟ 9. Hansen M and Nohria N, â€Å"What’s your Strategy for Managing Knowledge?† Harvard Business Review, MarchApril, 1999, 77 (2).1 10. Journal of Marketing, 32 (October), 65-68, 1968. 11. Rajeswari, T.R., and V.E. RamaMoorthy, 2001, An Empirical Study on Factors Influencing the Mutual Fund Scheme Selection by Retail Investors . Retrieved on May 2010 < http://www.utiicm .com/Cmc/PDFs/ ‟ 2001/rajeswari.pdf>. 12. Singh, Chander, 2004, „Performance of mutual funds in India – an empirical evidence , ICFAI journal of applied ‟ finance December, pp. 81-98. 13. Subbash C. Jain, â€Å"Marketing Planning and Strategy†, South Western College Publishing, Sixth Edition, 2000. 14. Singh, B. K. and Jha, A.K. 2009, „An empirical study on awareness & acceptability of mutual fund , Regional ‟ Student s Conference, ICWAI, pp. 49-55. ‟ 15. Winer, C. Strategic Thinking: An executive Perspective, Upper Saddle River, Prentice Hall, 2000

The Human Body Is The Most Complex Machine - 1398 Words

The perfect†¦What? The human body is the most complex machine. The eyes can absorb many perceptions, emotions, feelings and ideas the first time someone sees a person. The human body reflects aesthetic qualities of beauty as well as power, financial and social status. In many cases, people can determinate how much money a person has by his or her appearance. Facial surgeries, breast implants, Botox or healthy teeth are the most common ways women improve their appearance with money in today’s world. â€Å"The word beauty is understood to represent goodness, pleasure, truth, purity and the sublime.† (Karen A. Callaghan, VII) Clearly women and men feel the pressure of society to have the perfect body but should not be heavily influenced by the media, the fashion industry and the desire for career opportunities yet by the desire to maintain a healthy body and a vibrant lifestyle. Beauty which people naturally should admire is now a source of pain and something that has to be developed and fought. Women and men are willing to take any challenge to achieve what they call beautiful, in other words, the perfect body. Socially saying, these challenges can bring the best and the worst in people in how they can handle it. The media, mostly TV and advertisements had created the idea of how the body should be, what is in and what is out or what is beautiful and what is not. Sadly, as stated by Dr. Marie Hoskins, associate professor at the University of Victoria s School of Child and YouthShow MoreRelated Methods Of Prolonging Life Essay1187 Words   |  5 Pagesthe commonly-interpreted explanation of aging and death, a sort of simple degeneration of the body’s mechanical and chemical systems through time and usage, does not apply very well to the truth. The human body replaces every constituent atom naturally every seven years. Unlike machines, our bodies are in a constant state of self-repair and regulation, and it is the breakdown of the systems that govern these activities which concern gerentologists. The presently debated basic theories of aging centerRead MoreFever Body Defense Mechanism Of Fever Essay731 Words   |  3 Pages Fever Body Defense Mechanism Fiordaliza Cruz-Perez Mercy College  Fever a Body Defense Mechanism. Our first thought of fever is the association with a common cold, but in some cases fever can be symptoms of other types of infections. The human body is a complex and sophisticated machine, in which all of the components must maintain a complex balance in order to ensure optimal function. This is known as homeostasis and there are various homeostatic variables in which temperature is one of themRead MoreEssay On Do We Have A Mind959 Words   |  4 Pageshave memories, and a sentimental emotion towards those memories. However how do we know if others have a mind, what makes it seem that their body inhabits one, and what justifies considering something human when it does or doesnt have a mind? In films like Blade Runner or Star Wars or any other Sci-Fi film we see machines and robots that talk. Today’s machines and computers talk as well but will they talk like we do? And by that I mean not necessarily having a specific voice or language because, sureRead MoreHow Technology Can Improve The Human Bodies986 Words   |  4 Pagesbecome cyborgs won’t necessarily mean that we will all feel superhuman. While these developments that have been made in the progress of improving the human bodies possess unbelievable potential to change many lives, but most of the enhanced needs to make some sacrifices to be augmented. Gabril Licina, who experimented with unlocking infrared vision in humans stated that â€Å"The myth to dispel is that with an augmentation, people will easily become superhuman. It’s important that we stay grounded in scientificRead MoreArt 141321 Words   |  6 Pages AR 103: Art Appreciation 12/2/13 Chapter 14-Nature, Knowledge, and Technology Goals and Objectives: To explore works of art which seek to imitate, admire, or judge the world around us. That world consists of animals and plants as well as human constructs: our knowledge systems our technology, and our cities. 1. What do we consider ideal in nature? 19.13, Little Bouquet in a Clay Jar, Jan Bruegel, 1599 In nature, bounteous displays and vivid colors are considered ideal, especially whenRead MoreThe Growth And The Complexity Of Thought Within Humans1449 Words   |  6 Pagesdefine â€Å"us† as humans. We have a larger brain, the ability to have and maintain a strong, straight posture for an extended amount of time, dexterous hands, the skill to use our facial muscles to our advantage in order to express our emotions, the potential to solve complex problems and relate with one another. Furthermore, what it means it means to be human stems from our greater social complexity, prolonged postnatal dependence, the command of symbolic language, and the strength humans possess in comparativeRead MoreArtificial Intelligence Essay658 Words   |  3 PagesIntelligence is a broad topic, consisting of different fields, from machine vision to expert systems. Nowadays with the use of high level techniques, computers have been programmed to solve many difficult problems, but the products t hat are available today are only a sample of what is coming in the future. AI has an interesting history and has always been on the pioneering end of computer science. In order to classify machines as thinking, it is necessary to explain intelligence. WhatRead More`` A Cyborg Manifesto `` By Donna Haraway1129 Words   |  5 Pages We invented machines to fulfill our necessities. As machines get smarter in the 21th century, we give machines more permissions and freedom to do more things for us. However, the new generations that are born with all the advanced technologies they needed don’t quite understanding the use of machines as we are more relying on them. The machines are quickly expanding and replacing our brains and bodies even it is a simple task to do. But if we step back a little and think that we are the inventorsRead MoreArtificial Intelligence Essay1019 Words   |  5 Pagesbeing embedded in all of our life accessories like mobiles, watches, cars, even our bodies and brains there is no indication that this microchip speed will not be multiplied in the future. Over the last decade, these electronic tiny minuscule signals have fundamentally revolutionized the way we live. People are spending more hours per day with machines than humans. An amazing a human-machine relationship is developing. So far this bond has been one sided because the abilityRead MoreElectrolytes, Carbohydrates, And Proteins1606 Words   |  7 Pagesminerals that are important to the body, and the ones that will be covered in this paper are electrolytes, carbohydrates, and proteins. The items listed above are vital to body functions in many ways; for example, electrolytes necessary for proper muscle contraction (Nordqvist 2013). Proteins are essentially what allow our bodies to function as they do, and carbohydrates provide us with the energy that allows it to function. Our body is an amazing and intricate machine, and that’s basically what it is

Effect of Online Games Addiction on Study Habits - 1696 Words

INTRODUCTION Online games are one of the medium of entertainment especially in the youth of modern era in Batangas. Virtual or cyber games over internet are direct personally to each individual user. It encourages and requires the participation of individual user or gamester. It is an inexpensive in the sense that the internet connections for the online games are easily accessible everywhere and anywhere and affordable these days. This aspect works in association with the personal characteristic and importance of discipline to the individual (student) gamester. The effective advertisement and promotions of online games developers caught the youth or student’s attention to response. These qualities of online games advertisement†¦show more content†¦SCOPE AND DELIMINATION OF THE STUDY One of the major limitations of this study is the unequal number of student gamester examined. There is no set number of gamester to be interview for each of the internet cafà © and c omputer shop nearby LCC campus. The data gathering process was carry on as all the gamester came from the same pool: online games. The researcher acknowledges the existence of a dichotomy in the industry – online and offline games. Definitely, the researcher’s biases as a critical individual cannot fully set aside. It will not get in the way and become taxing for this study to be factual and objective, however. Au contraire, these biases will be channeled to the advancement of this study. These biases, after all, are not a matter of taste, but of criticality towards any form of entertainment medium. New formats not discriminated against for fear of change, but evaluated for their overall effects on and contribution to the current state of Filipino education and culture. IMPORTANCE /SIGNIFICANCE OF THE STUDY The college students are often considered a bell wither of internet use, but the internet is not the only technology they have in corporate into every life. Furthermore, today college students are using technologies like cell phones, MP3 players, and other device to certain themselves wherever they may be. Playing video games improves manual dexterity among surgeons, makingShow MoreRelatedOnline Addiction : A Growing Problem1008 Words   |  5 PagesAbstract Online addiction is a growing problem. There have been numerous studies on online addiction and the affects it has on people, their lives and their families. More and more people spend large amounts of time with their online endeavors. Some people spend so much time online that it affects their everyday life in negative ways. They suffer from lose sleep, avoid family and friends and even skip out on school and work. What activities when done in excess are considered online addiction? WhatRead MoreInternet Addiction And The Internet1409 Words   |  6 Pageslistening to music, playing online games, chatting with others, and using social networking. Because the Internet has become so important, people spend hours using it, and some may get addicted to it as that might lead them to a phenomenon called â€Å"Internet addiction.† David Brain (2005) in his article â€Å"Addiction to The Internet and Online Gaming† defines Internet addiction disorder (IAD) is the overuse of the Internet or excessive Internet use. The problem of Internet addiction is gradually increasingRead MoreVideo Games And Its Effects On Society1588 Words   |  7 PagesSince the creation of Spacewar in spring of 1962, video games have dramatically improved along with technology. It has become the most popular way of entertainment in modern civilization, but it also has become a subject of public concern regarding to its negative effects on peoples psychological and physical problems, especially in children and teens. Video games are now recognized by a study as an addiction according to the journal Psychological Science: â€Å"Researchers used data on 1,200 childrenRead MoreWhy would You Hit Me?1254 Words   |  5 Pagesend was our ‘thing’ when we were younger up until about two years ago. Playing games on the Xbox, games on the Wii, or even games that were online. It would be rare to see a controller on the ground and not in my hand or not seeing my fingers fly ac ross the keyboard as I was fighting an opponent. While sitting on the computer playing World of Warcraft, a level 80-blood elf paladin, running across the realms of the game, defeating every challenger in my path. Soon then I realized how my vision andRead MoreExploring The Potential For Addiction1543 Words   |  7 Pagesbest-known massively multiplayer online roleplaying game (MMORPG). These games are incredibly immersive and generally have no real ending, with players able to continue the game indefinitely via expansions and new content being added. A pilot study by Hussain and Griffiths (2009) set out to explore the potential for addiction to an MMORPG, within its psychological and psychosocial effects on players. Generally, studies of MMORPGs have not had a specific focus on addiction or the psychology of on-lineRead MoreOnline Games Addiction And Its Effects On Society810 Words   |  4 Pageshas aided most of researchers around the world to develop their studies in differen t areas such as medical and academic fields since the internet has made the finding of information much easier than before. However, the excessive use of the internet can lead to serious problems that may influence people health and can cause mental and medical complications because some users are mainly dependent on online chat rooms, interactive games and stocks market and spend most of their leisure time using thisRead MoreThe Effects Of Addiction On The World Of Warcraft2441 Words   |  10 PagesDavid Dinh Megan Ozima English 101 2 June 2016 Negative Effects of Addictions What is the cause of addiction(s)? An addiction is cause by a person’s psychological habit that got developed into the person’s mental and physical condition, in which a person is unable to take control. The reason why people develop an addiction is because they have psychological, emotional, and interpersonal problem that they don’t want to deal with, so they find alternative ways to avoid the problems. Some people turnRead MoreThe Internet Addiction Disorder1152 Words   |  5 Pagesproblem streaming throughout the global society today is IAD or Internet Addiction Disorder. Our culture along with many others has been consumed with the ease and pleasure of shopping, gaming, and social networking through online portals to the point that it has become an overwhelming problem for some people. What Internet Addiction Disorder is exactly has been the topic of much debate and so has what makes internet addiction so addicting. IAD is a serious problem and is receiving attention from allRead MoreThe Negative Effects Of Internet Addiction1134 Words   |  5 Pagesespecially after the development of the Internet. Nowadays, internet addiction is beginning to spread among people, especially for people who do not have enough self-control and cognitive power. People tend to indulge on the internet, cut off the connection with the real society, and make the distance between people more and more far away. More terrible things are disorders will be born due to internet addiction.Internet addiction was a significantly negative problem with academic performance, familyRead MoreWhat Are the Disadvantages of Computer Addiction?900 Words   |  4 Pagesfor computer addiction treatment, one point regarding addiction to the computer needs to be made : Computer addiction is not an official psychiatric diagnosis. Despite a growing movement to have obsessive computer and internet use included in the Diagnostic and Statistical Manual of Mental Disorders (DSM), so far this has not happened. In relative terms when disadvantages of computer addiction compared to other addictions such as alcoholism and drug addiction, computer addiction is a very new

Why Class And Race Affected Me Right Away Essay - 2471 Words

Shila Bayor SOC 101: Biography Essay Cover Letter The main argument of this paper is that I have encountered racism and classism while trying to adapt to living in America as an African immigrant. The reason why class and race affected me right away is because I did not assimilate into American culture. Instead, my family and I went through segmented assimilation. We fell into the lower class like many African Americans and were immediately treated like African Americans. In other words, as soon as we came to the United States, we were seen as African Americans and treated like African Americans because that was the social class that we integrated into. When I was writing this paper, it was harder for me to speak about all the things that affected my life in just 2300 words. I chose to not speak as much on gender because gender is something that affected me since birth and was something that I came not to think too much about. As a cisgender black woman in America, gender was not something that I worried too much about because factors such as race and class have had greater influences on my life. I believe that the strongest aspect of my paper is how I analyzed the events in my life and used the ideas drawn from the different texts that I read to explain these events. I spent a lot of time on formulating a thesis and drawing conclusions from articles to support my thesis. I also changed quotes several times, and corrected my grammatical mistakes. Words Count: 2206.Show MoreRelatedComparion of In Seach of Respect by Philippe Bourgous and Shattering Silence by Begona Aretxaga1446 Words   |  6 Pagesshattering silence are set up with similar themes yet have different backgrounds, people and races. Begoà ±a Aretxaga reviews the problems and promise of feminist change in Northern Ireland with the start of the â€Å"Troubles† in the start of the 1969 civil rights movement. She views the kinship of power and politics through the entanglement of gender, class, republican nationalism, and colonialism. The place of working-class women in the Irish republican conflict has been both suppressed and misrecognized, notRead MoreSociology : White Privilege, Stratification ( Marx + Weber ) And Racial Sterotyping Essay1531 Words   |  7 Pagesin front of me, and saw people of all colours, backgrounds and cultures. A ‘diverse group of students from over 50 countries’ as the school administration never failed to remind u s. However, as I turned to see the 20 prefects beside me, and the group of decorated teachers behind me, I noticed an underlying common factor. There is an overwhelming similarity to those on the stage, whiteness. To my left, a German, my right a Canadian, myself, a white mixed-race New Zealander, and behind me, white teachersRead More Social Conflict and Inequality Essay1272 Words   |  6 PagesSocial Conflict and Inequality The social conflict paradigm is a theory based on society being a complex system characterized by inequality and conflict that generate social change. Personal life experiences dictate me to believe this theory is true. Discussion of the theory in question and how it pertains to myself will be covered in the paper. Social conflict can be seen all over the world we live in: in sports, politics and normal social engagements. The main point I have experienced with thisRead MoreSocial Conflict Theory Essay1294 Words   |  6 PagesThe social conflict paradigm is a theory based on society being a complex system characterized by inequality and conflict that generate social change. Personal life experiences dictate me to believe this theory is true. Discussion of the theory in question and how it pertains to myself will be covered in the paper. Social conflict can be seen all over the world we live in: in sports, politics and normal social engagements. The main point I have experienced wit h this theory would be the fact thatRead MoreMulticulturalism Is Not Only About Race And Religion1171 Words   |  5 Pagesall over the world. This just shows that people are aware of multiculturalism because it allows a better understanding of one another. Having this awareness can create the clarity amongst different cultures, races, and ethnic groups around the world. Multiculturalism is not only about race and religion. It’s about the diversity of two or more cultures in some region or country. All types of ethnic groups begin to learn and adapt to other cultural traditions: different languages, educational backgroundsRead MoreThe Civil Rights Acts of 1964: Discrimination Based On Race1023 Words   |  5 Pagessomeone. I was taught never to discriminate based on race or color but to love and respect everybody. I remember my mom constantly reminded me that I was special, smart and created equal just like any other person on earth. I guess she was preparing me for the future because I never knew the purpose and psychological impact of her words until I started high school. During my history class in high school, we were taught how Blacks were taken away from their home (Africa) as slaves in a strange landRead MoreAfrican American Culture s Justice System993 Words   |  4 Pagesridiculed, devalued, and oppressed. To be more exact 1616 is the year that African Americans started to become an enslaved race. Slavery was just the first chapter in the book of African American oppression. Ever since then society has treated the black community, as if they do not belong in America. 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This affected numerous people throughout history who were subsequently appointed inequitable places in society according to factors such as family ancestry, behaviour and more. In To Kill A Mockingbird, Harper Lee argues that negative repercussions will arise when one attempts to step out of their preordained place in a small judgmental society. This is evidently proven through the characters of Mayella EwellRead MoreGraduation Speech : College Is A Significant Part Of My Life That Influenced My Development Essay1671 Words   |  7 PagesGetting accepted to college is a significant part of my life that influenced my development. Making the transition from high school to college was a difficult to me. During this transition, I was living away from home and my parents for the first time. I had to make critical decisions that will affect their college experience. Magolda said, â€Å"higher education has a responsibility to help young adults make the transition from their socialization by society to their role as members and leaders in society’s

Influenza Antibiotics for Viral Infections

Question: Describe about the Influenza for Antibiotics for Viral Infections. Answer: Part 1.1 The use of antibiotics for viral infections is not good because the antibiotics are used to treat bacterial infections while the viral infections like influenza are treated using antiviral drugs (Keren et al., 2013). The prescription of phenoxymethylpenicillin to the patient was meant to treat other infections which had accompanied the influenza. Such symptoms were the painful joints and the patches on the tonsils. Part 1.2 During an infection, there is an increased flow of blood to various tissues in the body. This is aimed at reducing the loss of blood through the infected are which could have a broken skin leading to hemorrhage. As a result, the flow of blood is directed to other healthy tissues via vasodilation. Tissues with high blood flow are therefore too much oxygenated blood hence the reddening as seen in Peters throat. Part 1.3 The swollen throat in Peter was as a result inflammatory chemicals which make the capillaries to become permeable and leak their contents (Wang and Ye, 2015). Since the capillaries are just one cell layer thick, the inflammatory chemicals can diffuse out of the capillaries. As the plasma proteins leak out, they drain water with them. These mediators of inflammation usually generate their inflammatory effects on the areas where they are released by the cells. References Keren, I., Wu, Y., Inocencio, J., Mulcahy, L. R., Lewis, K. (2013). Killing by bactericidal antibiotics does not depend on reactive oxygen species. Science, 339(6124), 1213-1216. Wang, H., Ye, J. (2015). Regulation of energy balance by inflammation: Common theme in physiology and pathology. Reviews in Endocrine and Metabolic Disorders, 16(1), 47-54.