Diabetes And Dementia. Justice Nathan. Animal Physiology

Diabetes and Dementia Justice Nathan Animal Physiology Lab Dr. Ritchie May 2, 2017 As the population continues to age, different risk factors also increase. There are so many diseases that are becoming a major threat to public health worldwide. The rate of all the different risk factors continue to increase, and with those to continued increases it will push other risk factors to increase. For example, with the increased risked of obesity, the risk of diabetes also increases. According to an article written by a group of Doctors, they compare the rise of diabetes and obesity and how these high risk factors could possibly relate to dementia. (Crane, 2013) They went on to say that effects of diabetes and dementia were†¦show more content†¦Many wondered if the two could be related and if so, how where they related. They also wondered if one could affect the other to cause more problems in the body. Diabetes is defined as a disease that involves blood sugar levels, glucose, and insulin. These all come together and cause major problems in the body. When glucose levels are too high, the body needs insulin to turn the glucose into energy for the cells. In type one diabetes, the body does not create the insulin needed, so the body cannot turn the glucose into energy, which leads to extremely high glucose levels (Diabetes). Type two diabetes, and the most common type is the result of the body making but not using the insulin that it makes well (Diabetes). Without glucose, high amounts of insulin will remain in the blood. However, constantly having high glucose levels will also cause problems with the kidneys, eyes, and other important nerves (Diabetes). Many studies have been done that show how elevated levels of glucose share dementia related outcomes. An increase in many different risk factors like diabetes could play a major role in the rise of the risk of dementia. As mentioned before, there are several other risk factors that also could cause dementia, these are: Alzheimer’s disease, vascular disease, and Lewy body disease. However, diabetes is the most recent to have possibilities of being linked to dementia. All of these different factors harm the brainShow MoreRelated_x000C_Introduction to Statistics and Data Analysis355457 Words   |  1422 Pagesand exercises in the book are of this nature; they cover a very wide range of disciplines and subject areas. These include, but are not limited to, health and ï ¬ tness, consumer research, psychology and aging, environmental research, law and criminal justice, and entertainment. A Focus on Interpretation and Communication Most chapters include a section titled â€Å"Interpreting and Communicating the Results of Statistical Analyses.† These sections include advice on how to best communicate the results of

Erikson’s Theory Identity vs. Role Confusion - 1222 Words

In this paper I will be focusing on Erikson’s Theory mainly about identity versus role confusion. Finding one’s identity is not always an easy task. Everyone at some point in his or her life has had, as Erikson puts it, an identity crisis. Everyone experiences different struggles that can have either a positive or negative impact on their identity. On my path to identity, I have reached identity achievement, which means I have explored and made commitments. I will also be focusing on two articles highlighting a fifth possible outcome regarding identity and looking at identity statuses as developmental trajectories. Erikson’s Theory: Identity vs. Role Confusion I have been able to explore many options because my parents have always†¦show more content†¦Above I mentioned that I have found a major that I am passionate about and I know is a perfect fit but there are a lot of felids in social work. Right now I am exploring all these fields, and I am sure after I graduate I will still explore until I find the perfect fit, so I am also seeking commitment. This places me in identity moratorium even though I feel like I have reach identity achieve. So Valde does not only propose a fifth identity status but he believes we need to redefine identity achievement. Instead of identity achievement being having gone through period of exploration and having made commitments it needs to be that plus realizing that those commitments are tentative and for one to remain open to exploration (Valde, 1996). This is also where the fifth identity status comes in identity closer. This is one has explored, made commitments but is not open to more exploration. Not only do I believe this is a better definition and a great addition because it would allow me to stay in identity achievement but I also believe that finding ones identity is a life long never ending process. Erik Erikson also stressed that identity always involved active tension and constant re-evaluation. This study proved that people in the identity open achievement, using the new definition, scored higher in self-actualization than others in the other categories of identity. In other words these people are more sensitive, realistic, spontaneous, and accepting which I like toShow MoreRelatedErik Erikson s Development Theory1603 Words   |  7 PagesErik Erikson’s lifespan development theory has proven to be popular and applicable to many people. However, Erikson’s theory was a bit bias and generalized groups of people whose cultures, genders and environments did not apply to his theory. This paper will focus on Erikson’s last four stages of development, a nd discuss how each stage may be impacted by these various factors. Identity vs. Role Confusion The adolescence stage of development in Erikson’s theory was labeled as identity vs. role confusionRead MoreIntroduction. Erik Erickson’S Interest In How One’S Environment1646 Words   |  7 Pagesand the development of personality, led him to create the psychosocial theory, â€Å"Eight Stages of Man.† Erikson’s final four stages of psychosocial development describes a person’s development from adolescence to late adulthood. This paper will analyze the final four stages of development, which includes: Adolescence, Young Adulthood, Middle Adulthood, and Late Adulthood. However, one of the major criticisms of the stage theories is that they do not equally apply to all individuals. Each stage of developmentRead MoreAnalysis Of Eric Eriksons Eight Stages Of Identity Theory1423 Words   |  6 PagesIntroduction Identity or Self-concept is something that evolves or matures right along with us; it changes from physical concepts to more complex thoughts. (Damon Hart, 1988) Questions like Who am I? and What is my Purpose? 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A Summer Trainng Report on Recruitment Attrition Management Free Essays

string(30) " 1938 and the IRDA Act- 1999\." A Project Study Report On Training Undertaken at ICICI PRUDENTIAL LIFE INSURANCE CO. LTD. Titled â€Å"Recruitment and Attrition Management† Submitted in partial fulfillment for the Award of degree of Master of Business Administration Submitted By: – Submitted To:- ANITA SINGHAL Ms. We will write a custom essay sample on A Summer Trainng Report on Recruitment Attrition Management or any similar topic only for you Order Now Sonali Singh Chauhan MBA Part 3rdLecturer of MBA Department 2011 – 2013 PREFACE Theoretical knowledge without practical knowledge is of little value. Theoretical studies in the classroom are not sufficient to understand the functioning of complex large sized organization. A student of management can have a theoretical knowledge, but he/she must have a practical knowledge too, so that he/she can be able to tackle the various problems that arise in business. Therefore, it becomes necessary for a management student to undergo any project work. Practical knowledge supplements the theoretical studies and covers all the possible area, which is left uncovered in classroom. A systematic practical training is necessary for a trainee to bring in him the confidence for job performance mental preparation which enables him to take up future job responsibility. It exposes student to invaluable treasure of experiences. I had received training at ICICI Prudential Insurance Co. Ltd. Jaipur (Raj. ), in the Recruitment and Attrition Management. During the training program, I got the opportunity to learn valuable things regarding management. It was my fortune to get the training in a very healthy atmosphere. The management of the company offered learning situation, sufficient facilities training opportunities to fulfill the objectives of training. The overall gain to me will be reflected in the report itself. This project has really exposed me to a far new world I sincerely hope that â€Å"ICICI Prudential Insurance Co. † will find my study equally valuable as I found it in shaping my career. Acknowledgement A research study cannot be completed without the help guidance of various individual institutions. I expressed my sincere thanks and gratitude to all those who made it possible for me to complete this report. With great pleasure and sincerity I wish to express my deepest sense of gratitude towards Mr. AMIT GOYAL (Branch Manager) for their valuable guidance and Practice suggestions and for patiently enduring my numerous queries I would highly thankful to Mr. Sudhanshu Shanker (Senior Manager Human Resources) who assigned this project to me and providing me the opportunity to complete this project with their guidance and experience. I wish to thank ICICI Prudential life Insurance Co. Jaipur, (Raj. ) for providing me an opportunity to work with them on this project. My stay in the organization has been a great learning experience. This exposure has greatly enriched me with knowledge. (ANITA SINGHAL) MBA – 3rd SEM Executive Summary Board of Directors: The ICICI Prudential Life Insurance Company Limited Board comprises reputed people from the finance industry both from India and abroad. Ms. Chanda D. Kochhar, Chairperson Mr. N. S. Kannan, Director Mr. K. Ramkumar, Director Mr. Barry Stowe, Director Mr. Adrian O’Connor, Director Mr. Keki Dadiseth, Independent Director Prof. Marti G. Subrahmanyam, Independent Director Ms. Rama Bijapurkar, Independent Director Mr. Vinod Kumar Dhall, Independent Direct INDEX Chapter NO. | | TOPIC| | PAGE NO. | 1| | INTRODUCTION TO THE INDUSTRY| | 7| 2| | INTRODUCTION TO THE ORGANISATION| | 10| 3| | RESEARCH METHODOLOGY| | 33| | | 3. 1 TITLE OF THE STUDY| | 33| | | 3. 2 DURATION OF THE PROJECT| | 33| | | 3. 3 OBJECTIVE OF STUDY| | 33| | | 3. 4 TYPE OF RESEARCH | | 34| | | 3. 5 SAMPLE SIZE AND METHOD OF SELECTING SAMPLE| | 35| | | 3. 6 SCOPE OF STUDY | | 35| | | 3. 7 LIMITATION OF STUDY| | 36| | | FACTS FINDINGS| | 38| 5| | DATA ANALYSIS AND INTERPRETATION| | 40| 6| | SWOT ANALYSIS| | 54| 7| | CONCLUSION| | 57| 8| | RECOMMENDATION SUGGESTIONS| | 59| 9| | APPENDIX| | 62| 10| | BIBLIOGRAPHY| | 65| CHAPTER – 1 INTRODUCTION TO THE INDUSTRY Overview of the Life Insurance Sector in India: With largest number of life insurance policies in force in the world, Insurance happens to  be a mega opportunity in India. It’s a business growing at the rate of 15-20 per cent annually and  presently is of the order of Rs 450 billion. Together with banking services, it adds about 7 per  cent to the country’s GDP. Gross premium collection is nearly 2 per cent of GDP and funds available with LIC for investments are 8 per cent of GDP. Yet, nearly 80 per cent of Indian populations are without life insurance cover, health insurance and non-life insurance continue to be below international standards. And this part of  the population is also subject to weak social security and pension systems with hardly any old age income security. This itself is an indicator that growth potential for the insurance sector is immense . A well-developed and evolved insurance sector is needed for economic development as it  provides long term funds for  infrastructure development and  at the same time strengthens the risk  taking ability. It is estimated that over the next ten years India would require investments of the order of one trillion US dollars. The Insurance sector, to some extent, can enable investments in infrastructure development to sustain economic growth of the country. With a large capital outlay and long gestation periods, infrastructure projects are fraught with a multitude of risks throughout the development, construction and operation stages. These include risks associated with project implementation, including geological risks, maintenance, commercial and political risks. Without covering these risks the financial institutions are not willing to commit funds to the sector, especially because the financing of most private projects is on a limited or non- recourse basis. Insurance companies not only provide risk cover to nfrastructure projects, they also contribute long-term funds. In fact, insurance companies are an ideal source of long term debt and equity for infrastructure projects. With long term liability, they get a good asset- liability match by investing their funds in such  projects. IRDA regulations require insurance companies to invest not less than 15 percent of their  funds in infrastructure and social sectors. International In surance companies also invest their  funds in such projects. Insurance is a federal subject in India. There are two legislations that govern the sector-The Insurance Act- 1938 and the IRDA Act- 1999. You read "A Summer Trainng Report on Recruitment Attrition Management" in category "Papers" The Government of India liberalized the insurance sector in March 2000 with the passage of the Insurance Regulatory and Development Authority (IRDA) Bill, lifting all entry restrictions for private players and allowing foreign players to enter the market with some limits on direct foreign ownership. Under  the current guidelines, there is a 26 percent equity cap for foreign partners in an insurance company. There is a proposal to increase this limit to 49 percent. Premium rates of most general insurance policies come under the purview of the government appointed Tariff Advisory Committee. The opening up of the sector is likely to lead to greater spread and deepening of insurance in India and this may also include restructuring and revitalizing of the public sector companies. A host of private insurance companies operating in both life and non-life segments have started selling their insurance policies since 2001. CHAPTER – 2 INTRODUCTION TO THE ORGANIZATION Company Profile: ICICI Prudential Life Insurance Company is a joint venture between ICICI Bank – one of  India’s foremost financial services companies-and prudential plc – a leading international financial services group headquartered in the United Kingdom. Total capital infusion stands at Rs. 37. 72 billion, with ICICI Bank holding a stake of 74% and Prudential plc  holding 26%. We began our operations in December 2000 after receiving approval from Insurance Regulatory Development Authority (IRDA). Today, our nation-wide team comprises of over 954 branches in addition to 1,015  micro-offices, over 296,000 advisors; and 21 banc assurance partners. ICICI Prudential was the first life insurer in India to receive a National Insurer Financial Strength rating of AAA (Ind) from Fitch ratings. For three years in a row, ICICI Prudential has  been voted as India’s Most Trusted Private Life Insurer, by The Economic Times – AC NielsenORG Marg survey of ‘Most Trusted Brands’. As we grow our distribution, product range and customer base, we continue to tirelessly uphold our commitment to deliver world-class financial solutions to customers all over  India. Company Promoters: ICICI Bank: ICICI Bank Limited  (NYSE:IBN) is India’s  largest private sector bank  and the second largest bank in the country, with consolidated total assets of $121 billion as of March 31, 2008. ICICI Bank’s subsidiaries include India’s leading private sector insurance companies and among its largest securities brokerage firms, mutual funds and private equity firms. ICICI Bank’s  presence currently spans 19 countries, including India. Prudential Plc: Established in London in 1848, Prudential plc, through its businesses in the UK, Europe, US, Asia and the Middle East, provides retail financial services products and services to more than 20 million customers, policyholder and unit holders and manages over ? 267 billion of funds worldwide (as of December 31, 2007). In Asia, Prudential is the leading European life insurance company with life operations in China, Hong Kong, India, Indonesia, Japan, Korea, Malaysia, the Philippines, Singapore, Taiwan, Thailand, and Vietnam. Prudential is one of the largest retail fund managers for Asian sourced assets ex-Japan. Its fund management business has expanded into ten markets, comprising of China, Hong Kong, India, Japan, Korea, Malaysia, Singapore, Taiwan, Vietnam and United Arab Emirates. Vision and Mission Statement: Their vision is to make ICICI Prudential Life Insurance Company the dominant new insurer in the life insurance industry. This they hope to achieve through their commitment to excellence, focus on service, speed and innovation, and leveraging our technological expertise. The success of the organization will be founded on its strong focus on values and clarity of  purpose. These include: Understanding the needs of customers and offering them superior products and service  building long lasting relationships with their partners providing an enabling environment to foster growth and learning for their employees and above all building transparency in all our  dealings. They believe that they can play a significant role in redefining and reshaping the sector. Given the quality of their parentage and the commitment of their team, they feel that there will  be no limits to their growth. Board of Directors. The ICICI Prudential Life Insurance Company Limited Board comprises reputed people from the finance industry both from India and abroad. Ms. Chanda D. Kochhar, Chairperson Mr. N. S. Kannan, Director Mr. K. Ramkumar, Director Mr. Barry Stowe, Director Mr. Adrian O’Connor, Director Mr. Keki Dadiseth, Independent Director Prof. Marti G. Subrahmanyam, Independent Director Ms. Rama Bijapurkar, Independent Director Mr. Vinod Kumar Dhall, Independent Direct Principles and Types of Insurance: Principles of Insurance: Insurance is a ‘risk transfer mechanism’ – it transfers the financial risks of everyday life from you to an insurance company, but only in terms of the financial consequences of risk. Without insurance, if you car was damaged, it would cost you a lot of money to fix it or to buy another one. It could cost you even more to pay for compensation to someone else involved in an accident. Insurance protects  your financial  interests. It  cannot  alleviate the  emotional consequences of an accident. It cannot provide for humanitarian ideals. It can’t help you with sentimental losses. But properly used, it will protect your financial investment in your car and your legal obligations should you have an accident. Insurable Interest Before you can insure anything, you must have a legally recognised financial interest in what you are insuring. For motor insurance, you can’t take out an insurance policy on the car  driven by the latest film star in the hope that it will crash and you can claim. That is nothing more than gambling. You have no financial interest in the  well  being of the object insured and would gain by its destruction. But you can insure the car you own, or drive. You would suffer  financially if it is damaged or stolen and  benefit from its continued existence. Indemnity This word is used to describe the type of payment you would receive. A motor policy and a household policy are both a contract of indemnity. It means, subject to the terms of the contract, you are entitled to be put back in the same financial position after a loss as you were in  before the loss. In terms of a ‘new for old’ policy the measure of indemnity is agreed at the point of sale rather than the time of claim. The term is also sometime used to indicate if your insurer  will meet the claim at all. A refusal to indemnify is a refusal to pay the claim. ATTRITION It is important to understand the high attrition rate in Indian insurance sector, which stands presently around 35% taking into consideration the Recruitment and Selection of Insurance sales personnel, and various reasons behind the attrition rate are as follows: Controlling Attrition In an ideal world, employees work hard, love their job, worship their workplace, feel like a family and would never leave. But in the real world, employees quit at the drop of a hat. In today’s scenario, it is the major challenge before the insurance companies to control the high attrition rate. As the Indian insurance industry grows exponentially, companies are taking the big leap from survival strategy to competitive strategy. Hence, there is a constant thirst for the best and the brightest of employees, and the result is heavy attrition. In addition, there are several other reasons as to why employees quit. The reasons are too varied to be clubbed together, but the bottom line remains the same—it is all about money! Therefore, it is no wonder that the compensation levels in the industry are heading north. Companies are literally bidding for talent and luring away employees with attractive salaries and designations. While HR experts define it the function of demand and supply, it is a serious concern for employee retention. A Critical Issue After IT and BPO, it is now the insurance sector that is facing the issue of high attrition rates. For most HR managers, employee retention is the biggest challenge. Talent or human resource is a major asset for any company. Company Invest high amount of money for their recruitment, selection and training and what happens to company if these talents or employees leave the organization in short while seeking new opportunities. Indian Insurance Industry is one of the fastest growing knowledge based sector with annual attrition rate of around 30-35% compared to the global insurance attrition rate of 10-12% per annum. Current statistics show that higher attrition rate problem mainly exists in Marketing and R;D departments. Major reasons for high attrition rate, stated by employees during the survey are- 1. Inadequate salary or compensation plan. The immediate gain in salary package was found to be responsible for job change in 61 per cent of the cases. 2. Poor management 3. Uninteresting job 4. Lack of motivation Job Lacking Opportunity for Future Advancement Leaving company by the employee not only leads to loss of money for the company in his training and development of knowledge but it also increase the threat of information security if employee moves to rival company and loss of the business. Whenever a well-trained and well-adapted employee leaves any organization, it creates a vacuum. The organization loses key skills, knowledge and business relationships, and it is not an easy task to find a sustainable substitute. Situation is worse when it happens at a critical (decision making) position, as there is a scarcity of such technical resources in the market. Attrition directly affects the company. Recruiting and training program for employees is an expensive affair. The company has to invest a lot while recruiting an employee. Attrition is a universal phenomenon and no industry is devoid of it, but the degree fluctuates from industry to industry. Major insurance companies in India are age-old and established, having their own culture and work practices and therefore, employee turnover will be a common phenomenon in such companies. Attrition is a serious issue in the insurance industry because the industry is knowledge-based and hence employees are its â€Å"assets†. Many HR experts believe that money, though a key factor, is not the only one which makes employees quit. Attrition also happens when people hate their working conditions, do not like their team-mates or perhaps do not like what they are doing. There are also cases when people leave their job for family reasons or when they wish to migrate. Experts also believe that organizational culture has a great impact on who stays and who goes. And the culture of an organization is determined by the quality of the relationship between bosses and their subordinates. According to a popular saying, employees never leave the company, they leave their bosses. An inefficient boss creates poor work culture, which is one of the frequent reasons for quitting. Employers often fail to understand the importance of providing opportunities for development of their employees or their career growth. A conducive working atmosphere, good culture, training and career growth with adequate salary are some provisions that control attrition. Every employee comes to his organization with some aspiration. An organization is viewed as a place where employees meet their aspirations of growth and development, values of trust, teamwork and transparency. If a company respects them and their skills, realize their potential and provide them with a healthy environment to learn and grow with flexible compensation, employees take that as a strong reason to stay on. Recognizing the contribution of outstanding achievers also inspires others to try hard and put in their best. A good organizational behavior also focuses on areas like training, career development and believe in equipping workforce better on the professional front. Experts say that good organizational behavior is instrumental in extending the tenure of employees in the organization as it increases their self-esteem, confidence, morale and motivation. A substantial growth of employee’s self-esteem is as important as the concept of learning in the industry. Otherwise, experts fear that insurance organizations will meet a sorry fate as far as retention policies are concerned. Attrition is the Function of Demand and Supply The demand comes from the growth of the industry and the policy of the company. These two things decide whether there is a demand of fresher or experienced employees. On the other hand, the supply comes from the educational institutions and the market. Normally the supply from the educational institutions is enough to meet the demands of the insurance industry, there is a lack of experienced people in the industry, which in turn has created an imbalance. The imbalance is crucial to the growth of the industry. While the industry is growing, not all companies are capable of taking fresh people and groom them. Hence, the current status demands experienced people and shortage of skills or retaining existing employees pose an issue for the industry. In the current scenario, the demand of experienced and good employees is actually outstripping the supply. In such a situation, higher salary structures pose a major challenge in controlling attrition levels in the industry. Moreover, the salary growth plan is not well defined as well. All this encourages poaching by companies offering higher salaries. Though the salary is decided keeping in line with the market trends, the qualification, experience and the attitude of the individual matters. Salary or even increments are dependent very much on what kind of value adding the person is or will do in the organization. Besides, HR experts from the industry believe that out paying is not a winning tactic for companies. The organization’s reward strategy reflects its power to drive quality employees. Apart from salary, recognition of work is a healthy retention strategy. If the organization values its employees, recognizes and appreciates their skills and work, it pays. It is important to keep an eye on fast track people who are intelligent and excellent performers. Performance is a primary requirement; therefore, excellent performers should be valued. They should be identified, nurtured and provided growth opportunity. HR’s Role and Strategies in ICICI PRUDENTIAL LIFE INSURANCE CO. As the struggle for reducing employee attrition rates is intensifying, recruiters are putting renewed efforts in identifying talent, which is committed and productive. However, while everyone is competing for talent, in experts’ opinion, a hiring spree can be a blunder sometimes. Stringent recruitment process could help reduce attrition to a certain extent. An internal referral mechanism is also very useful in reducing attrition rates in companies. A thorough analysis of a candidate’s background or behavior pattern, adaptability or liking would help the organization with good resource pool and less attrition rates. Hiring slayers rather than stars is yet another strategy. According to experts, some of the most talented people often have the tendency to move on. The reason being their eagerness to climb by shifting from one company to another. Frequent job hoppers are not the ultimate gainers. They gain or earn only in terms of money but those who opt to work in one organization for long are able to learn and gain experience which pays in the long term,† An efficient HR focuses on creating a good work culture and work out different strategies in line with organizational philosophy. According to experts, HR managers must use the combination of grow th, learning opportunity and pay attention to employees’ personal needs and participation. The needs of the employees should be regularly gauged through open communication, polls and feedback mechanisms to maintain consistency in performance and high motivation levels. Insurance employers need to understand the same and deal this issue on a war footing so as to avoid loss of good employees and, also the business. This brings to the issue of recruitment and selection. If these initial steps are flawless, it also helps in reducing the attrition. SIGNIFICANCE OF RECRUITMENT AND SELECTION PROCESS â€Å"Recruitment and selection refers to the chain and sequence of activities pertaining to recruitment and selection of employable candidates and job seekers for an organization†. Every enterprise, business, and entrepreneurial firm has some well defined employment and recruitment policies and hiring procedures. Importance of Recruitment is given below: Attract and encourage more and more candidates to apply in the organization. * Create a talent pool of candidates to enable the selection of best candidates for the organization. * Determine present and future requirements of the organization in conjunction with its personnel planning and job analysis activities. * Recruitment is the process which links the employers with the Increase the pool of job candidates at minimum cost. * Help increase the success rate of selection process by decreasing number of visibly under qualified or overqualified job applicants. Help reduce the probability that job applicants once recruited and selected will leave the organization only after a short period of time. * Meet the organizations legal and social obligations regarding the composition of its workforce. * Begin identifying and preparing potential job applicants who will be appropriate candidates. * Increase organization and individual effectiveness of v arious recruiting techniques and sources for all types of job applicants. Factors Governing Recruitment External Factors * Supply and demand * Unemployment rate * Labor market * Potential social Sons of soil * Image Internal Factors * Recruitment policy of the organization * Composition of temporary and part time employees. * Preference to local people even by multinationals as they understand local language. * Size of recruitment * Cost of recruiting Fig. 1: The General Recruitment Process 1. Identify vacancy 2. Prepare job description and person specification 3. Advertising the vacancy 4. Managing the response 5. Short-listing 6. Arrange interviews 7. Conducting interview and decision making. The recruitment process is immediately follow by the selection process i. . the final interviews and the decision making, conveying the decision and the appointment formalities. Recruitment and Selection are perhaps the most important tasks for an organization. Recruitment refers to the proce ss of searching and appointing prospective candidates in an organization. An organization must undertake the recruitment procedure if it wants to appoint the right people under its employment. According to Edwin B. Flippo, â€Å"Recruitment is the process of searching the candidates for employment and stimulating them to apply for jobs in the organization†. A process of finding and attracting capable applicants for employment. The process begins when new recruits are sought and ends when their applications are submitted. The result is a pool of applications from which new employees are selected†. â€Å"Recruitment is the activity that links the employers and the jobseekers†. Sources of recruitment Why Does Organization Prefer Internal Sources? * Internal recruitment can be used as a technique of motivation. Suitability of internal candidate can be judged better than the external. * Candidates as â€Å"known devils are better than unknown angels†. Employeeà ¢â‚¬â„¢s psychology needs can be met by providing an opportunity for advancement. * Employee’s economic needs can be met by providing an opportunity for advancement. * Cost of selection can be minimized. * Cost of training, induction, orientation, etc can be minimized. SELECTION PROCESS in ICICI PRUDENTIAL LIFE INSURANCE CO. The main objective of a selection procedure is to determine whether an applicant meets the qualification for a specific job, and then to choose the applicant who is most likely to perform well in that job. The entire process of selection begins with an initial screening interview and concludes with a final employment decision. When a selection policy is formulated, organizational requirement like technical and professional dimensions are kept in mind. Selecting a suitable candidate can be the biggest challenge for any organization. According to Dale Yoder – â€Å"Selection is the process in which candidates for employment are divided into 2 classes – those who are to be offered employment and those who are not. † 1) Pre Interview Screening This is generally the starting point of any employee selection process. Pre Interview screening eliminates unqualified applicants and helps save time. Applications received from various sources are scrutinized and irrelevant ones are discarded. A preliminary Interview is conducted. 2) Preliminary Interview The application of candidate whose screening is successful is found to be eligible for the preliminary interview which covers the personal as well professional details of the prospective candidate. 3) Final Interview This interview is formal in depth conversation conducted to evaluate applicant’s acceptability. 4) Medical Examination If all goes well, then at this stage, a medical examination is conducted to make sure that the candidate enjoys sound health and does not suffer from any serious ailment. 5) Checking References Most application forms include a section that requires prospective candidates to put down names of a few references. References are contacted to get a feedback on the person in question including his behavior, skills, conduct etc. 6) Job Offer A candidate who clears all the steps is finally considered right for a particular job and is presented with the job offer. An applicant can be dropped at any given stage if considered unfit for the job. Only after successfully clearing all the hurdles, an applicant can enjoy the feeling of being selected for a particular job. 7) Induction Programme New entrants after joining are given induction programme. It helps the new employee to understand and develop a sense of identification with the company and he can clearly understand his job and will be able to perform his work in good manner. HR POLICIES AND PROCEDURE HR department deals with the management of human resources. It is responsible for the creation of harmonious working relations among the participants of the organization. It effectively deals with the process of planning, directing, developing, and utilization of human resources available to the company. Personnel department basically involved with the management of personnel or human resources. Personnel management is the planning, organizing, directing, and controlling the procurement, development, integration, maintenance and separation of the human resources to the end that individual, organizational and social objectives are accomplished. Recruitment Checklist of ICICI PRUDENTIAL LIFE INSURANCE CO. * Has the vacancy been agreed by the responsible HOD? Is there up-to-date job description? * What are the conditions of employment for their vacant positions? * Has a candidate specification been prepared? * Has the manpower requisition form been submitted earlier? * Has the job advertisement been agreed? * Have the interview arrangement been made? * Have unsuitable candidates held in reserved been informed? Explanation of Recruitment Process Steps in Recruitment process are as follows: 1) Requirement Gathering: Requirement gathering starts with the job description provided by the different department. The manpower requisition forms are provided by the HR department and then filled by the respected departments. Job description contains criteria such as qualification, professional experience, designation in the organization, urgency of manpower requirement in the organization. 2) Analysis of the Requirement: It is a clear requirement with a detailed explanation. A clear understanding enables a recruiter to provide a valuable manpower to the required department in terms of giving them a right candidate that matches up their requirement and to provide a candidate with good opportunity to sharpen his skills and achieve his personal goals. ) Sourcing of CVs: In order to find the relevant profile for the job, it is very essential to search the CVs. This can be done in following ways: * Casual application from local places. * Contacts through the present employees. * Data bank * Portals, such as Naukri. com * Former employee * Campus interview. 4) Screening of CVs: This is very important step. It decides whether the CV matches the job description given by the department head. In this step the recruiter has to study the following details in deep:- †¢ Date of birth †¢ Highest qualification †¢ Experience †¢ Skills †¢ Expected salary, etc. ) Arranging the interview: After screening the CVs, the interview schedule is scheduled by the recruiter. Once the schedule is fixed, candidates are called for interview. 6) At the time of interview: Candidate is given the personal data form to fill before the interview. Personal data form covers all the in depth information of candidate. Personal data form and resume attached to it is handed over to the interviewer before an interview. Then preliminary interview and final interview is conducted. 7) Medical Checkup: Selected candidates are sent to medical checkup with pre medical checkup form. The main objective of this test is to detect whether the applicant is physically fit to perform work or not and to protect the employer from worker compensation claims. 8) Reference Check: Reference check is made for an experienced candidate. Many employer request name, contact number, address of reference for verifying the additional background information of the candidate. 9) Documentation: After the reference check is positive, candidate is called for further procedure of documentation. After documentation the candidates are provided with offer letter. 10) Induction Programme: New entrants are given induction programme. It helps the new employee to develop the sense of identification with the company. The newly entrants is given information about the major products, departments and organization, key statistics. This helps the newly joined employees to understand their work in a better way. Criteria for Recruiting a Medical Representative A Check List 1. Age It is advisable to select them young, usually between 21 and 25 years. 2. Education Depending upon the level of technical knowledge required for promoting your products you can decide on this. 3. Experience It may be advisable to select a fresh graduate with good scholastic record and extracurricular activities. Some companies prefer limited experience of a year or two in similar companies. In the case of an experienced candidate look for his accomplishment, tract record, etc. 4. Appearance A pleasing personality is always preferred. 5. Manners He / she should have good manners as he moves in a sophisticated highly educated class. 6. Voice and Expression There should be clarity of voice, modulation and grammar 7. Reactions Alertness, quickness of response. 8. Drive Ability to stimulate, enthuse others and self-assurance. . Intelligence Comprehension, reasoning ability, keenness and smartness is expected of him/her. 10. Interest Sincerity of ambitions and personal goals, interest in other people. CHAPTER – 3 RESEARCH METHODOLOGY The core concept underlying research is its methodology. The methodology controls the study, dictates the acquisition of the data, and arranges them in lo gical relationships, sets up a means of refining the raw data, contrives an approach so that the meanings that lie below the surface of those data become manifest, and finally issue a conclusion or series of conclusions that lead to an expansion of knowledge. The entire process is a unified effort as well as an appreciation of its component parts. According to J. W. B. est, â€Å"Research is considered to be formal, systematic, intensive process of carrying on the scientific method of analysis. It involves a more systematic structure of investigation usually resulting in some sort of formal record of procedures and report of result or conclusions. † According to P. M. Cook, â€Å"Research is an honest, exhaustive, intelligent searching for facts and their meanings or implications with reference to a given problem. It is the process of arriving at dependable solutions to problem through planned and systematic collection, analysis and interpretation of data. The best research is that which is reliable, verifiable and exhaustive so that it provides information in which we have confidence. † 3. 1 Title of the Study: Recruitment and Attrition Management 3. 2 Duration of the Project: 2 Months (25th June to 24th August) 3. 3 Objective of the study The objectives of the study are as follows: * To understand the concept and mechanism of insurance. * To have an overall view of the Recruitment Process in a leading private sector company. To get a firsthand knowledge as regards to the proper implementation of the extent Recruitment Policies in ICICI PRUDENTIAL LIFE INSURANCE and its preparedness to meet the new challenges in the area of Recruitment. * To review the Human Resource Policies of ICICI PRUDENTIAL LIFE INSURANCE and compare with them Human Resource philosophy given in the literature. * To observe any legal requirement which apply to the recruitment and selection process. * To get familiar with the organization. * Getting practical experience regarding the organizational function. To learn about the policies and functions of the organization. * To understand the culture in the organization and its effect on employees. * To get industrial exposure and experience. 3. 4 Type of the Research To get complete knowledge about the recruitment and selection activities information are gathered on the basis of both primary and secondary sources. PRIMARY DATA : Primary data are those which are a fresh and for the first time and thus happen to be original in character. Primary data were collected by direct interview with the authorities and staffs and by observation and participation. SECONDARY DATA : Secondary data are those which have already been collected by someone else and which have been passed through the statistical process. Secondary data were collected from various records kept in departments, company profiles, magazines and websites. 3. 5 Sample size and Method of selecting sample SAMPLING SIZE: 100 It means how many people to survey. SAMPLING UNIT: The researcher must define the target population that will be surveyed the sampling unit for my survey is wholesalers, retailers, masons, contractor and consumer of Rajasthan State. SAMPLING PROCEDURE: RANDOM SAMPLING Due to the time limitation and lack of sufficient knowledge I confined my study till random sampling. 3. 6 Scope of the Study Recruitment is the process of searching for prospective employees and stimulating them to apply for job in the organization. Recruitment is a positive process of searching for prospective employees, whereas selection is a negative process because it involves rejection of unsuitable candidates. Today the scope of the recruitment is very broad. The scope of the recruitment at ICICI PRUDENTIAL LIFE INSURANCE CO. enerally covers the following steps: – * Enhancement of productivity. * Quality manpower. * Committed job assignment. * Development of teamwork. * Better utilization of existing manpower 3. 7 Limitation of the Study The present research work is undertaken to maximize objectivity and minimize the errors. However, there are certain limitations of the study, which are to be taken in to consideration for the present research work. * The study was conducted only for the performance of Insurance advisors, Adayar branch Chennai city. It may not be suitable for other organizational employees. The advisor’s behavior may not be same in other branches in Chennai city or country, because of the difference in their performance, target, motivation, attitude, approaches with customers, culture, and working environment etc. * The research was done based on the details provided by the 70 advisors; the conclusion derived may not be wholly applicable to all branches in the city. The study is conducted with the help of the database provided by the Unit manager. * As the target population is large and due to the time constraint, convenience sampling technique was used to select the respondent. Chapter-4 FACTS AND FINDINGS Majority of the respondents believed that larger risk coverage of their policy was the main feature that attracted them to buy that policy, low premium was the next important feature. * ICICI Prudential is the largest private player in the insurance  industry in India. * Due to the increasing concern of people towards their health/life the life insurance  business has good prospects. * There are few short term plans which are not known to the  public. * Company has high policy charges which are not affordable by the lower middle and lower class people. * Out of total population of 1 billion of country, only 22% have insurance cover. So we can say that there is still large potential for both the public and private companies. Private companies have to give varied customized product to compete with the LIC which is holding about 97% of the total market. CHAPTER-5 ANALYSIS AND INTERPRETATION 1. What is the biggest benefit of life insurance? SL. NO| RESPONSE| NO OF RESPONDENTS| PECENTAGE %| 1| Security| 40| 80| 2| commission| 5| 10| 3| Protection of wealth| 5| 10| 4| all| 0| 0| total| | 50| 100| Analysis: Interpretation: The above graph shows that the biggest benefit of life insurance is security with 80% and the next two shows the equal % that is 10% benefit ) Is there any performance incentives? SL. NO| RESPONSE| NO OF RESPONDENTS| PECENTAGE %| 1| yes| 47| 94| 2| no| 3| 6| total| | 50| 100| Analysis: Interpretation: The above graph shows the performance incentives are 100% given in the company. 3) How do you recruit employees in ICICI PRUDENTIAL LIFE INSURANCE CO.? SL. NO| RESPONSE| NO OF RESPONDENTS| PECENTAGE %| 1| References| 3| 6| 2| Advertisements| 5| 10| 3| Consultancy| 35| 70| 4| Walk-ins| 7| 14| total| | 50| 100| ANALYSIS: INTERPRETATION: The hiring process in this company is done by consultancy of 35 respondents and next is through walk-ins. ) How frequently you recruit employees? SL. NO| RESPONSE| NO OF RESPONDENTS| PECENTAGE %| 1| 6 months| 5| 10| 2| 1 year| 0| 0| 3| 3 months| 5| 10| 4| Every month| 40| 80| total| | 50| 100| ANALYSIS: INTERPRETATION: In this company the employees are recruited frequently for every month for this the respondents are 80%, after this 3 months and 6 months are 20%. 5) What is the range on scale of getting maximum ; good quality profiles? SL. NO| RESPONSE| NO OF RESPONDENTS| PECENTAGE %| 1| Average| 35| 70| 2| Good | 10| 20| 3| Very good| 5| 10| 4| excellent| 0| 0| total| | 50| 100| ANALYSIS: INTERPRETATION: The above graph shows that the range of getting good quality profiles are average are 70%,and good are 20% and very good is shown by 10%. So no excellent are there. 6) Under what criteria do you consider while screening the profile? SL. NO| RESPONSE| NO OF RESPONDENTS| PECENTAGE %| 1| Age | 5| 10| 2| Qualification| 7| 14| 3| Work experience| 38| 76| 4| References if any| 0| 0| total| | 50| 100| ANALYSIS: INTERPRETATION: The above graph shows while screening the profile work experience is given more importance by 76%, and next by qualification by 14%. ) What is the % of candidates who clear the aptitude test? SL. NO| RESPONSE| NO OF RESPONDENTS| PECENTAGE %| 1| 100| 0| 0| 2| 70| 10| 20| 3| 80| 35| 70| 4| 50| 5| 10| total| | 50| 100| ANALYSIS: INTERPRETATION: The above graph shows the % of 70% of the candidates clear the aptitude test. 8) Do you normally provide training skill development to new recruits? SL. NO| RESPONSE| NO OF RESPONDENTS| PECENTAGE %| 1| ye s| 42| 84| 2| no| 8| 16| total| | 50| 100| ANALYSIS: INTERPRETATION: The above graph shows the training provided to new recruits is yes by 84% and no by 16%. So training is provided to some extent. 9) How many steps include in selection process? SL. NO| RESPONSE| NO OF RESPONDENTS| PECENTAGE %| 1| 5| 7| 14| 2| 6| 0| 0| 3| 8| 0| 0| 4| 4| 43| 86| total| | 50| 100| ANALYSIS: INTERPRETATION: The above graph shows the selection processes include mostly 4 and sometimes 5 in this it show 86% include 4 steps. 10) After selection of candidates what is the time for offer release? SL. NO| RESPONSE| NO OF RESPONDENTS| PECENTAGE %| 1| Same day| 0| 0| 2| 3-5 days| 37| 74| 3| 1-2 days| 10| 20| 4| 7 days| 3| 6| total| | 50| 100| ANALYSIS: INTERPRETATION: The above graph shows after selection the offer letter is given to the selected candidate in 3-5 days and if the candidate is good then 1-2 days 11) What is the employment rate in ICICI PRUDENTIAL LIFE INSURANCE in a year? SL. NO| RESPONSE| NO OF RESPONDENTS| PECENTAGE %| 1| 70 | 5| 10| 2| 80| 35| 70| 3| 90| 10| 20| 4| 100| 0| 0| total| | 50| 100| Analysis: INTERPRETATION: The above graph shows the employment rate in ICICI PRUDENTIAL LIFE INSURANE is 70% in a year and 35 are accepted. 12) What is the experience required for HR position in ICICI PRUDENTIAL LIFE INSURANCE? SL. NO| RESPONSE| NO OF RESPONDENTS| PECENTAGE %| | 3 years| 5| 10| 2| 4 years| 15| 30| 3| 2 years| 0| 0| 4| 5 years| 30| 60| total| | 50| 100| ANALYSIS: INTERPRETATION: The experience required for HR position in ICICI PRUDENTIAL LIFE INSURANCE CO. is 5 years and accepted by 30 members. 13) What is attrition rate in ICICI PRUDENTIAL LIFE INSURANCE? (No. of employees leaving the company in a year) SL. NO| RESPONSE| NO OF RESPONDENTS| PECENTAGE %| 1| 50| 40| 80| 2| 60| 10| 20| 3| 80| 0| 0| 4| 30| 0| 0| total| | 50| 100| ANALYSIS: INTERPRETATION: The attrition rate in ICICI PRUDENTIAL LIFE INSURANCE is 50%, and accepted by 40 members. CHAPTER-6 SWOT ANALYSIS S. W. O. T Analysis of ICICI Prudential Life Insurance: Strength: * ICICI Prudential is one of the largest financial institutions of India. * Money power, which makes them ignorant about the gestation period. * Motivation factors provided by the Company. * Service quality, which is the crux of their mission. * A huge data base of corporate clients, retail customer, and bank customersof ICICI. * Highest paid up capital deposited  in IRDA, in comparison to all players. * Training provided to all people associating with ICICI Prudential. Weakness: * High targets for financial advisors and for the sales  departments. Many competitors in the market offer same product by the title difference in the premium and offerings. * Very huge premium of policies. * Problematic to advisors also. * Sustainable to risk associated with investments in money market. Opportunities: * Health insurance and pension schemes, an estimated market potential of  approximately $15 billion. * Tie up with more cor porate agents all over India. And Tie up with broker  (agent) also. * Strong brand of company helps  to boost sales in market. * Attract more people of providing customer centric products. Threats: * Players like Bajaj and Birla Sun  life with low premium for the similar  plans. People are not aware of different distribution channels. * Threat from existing insurance players. * Threat from new entrants. * Changes in the policy of IRDA. CHAPTER-7 CONCLUSION Over the last few decades companies have increasingly begun to realize the importance of customer satisfaction. Where trading environments have become saturated and customers increasingly hard to come by, customer retention has become imperative as the customer-to-business level in the Indian context; the disconfirmation paradigm is still the predominant paradigm influencing the customer satisfaction process. As it is pivotal in this competitive era of globalization as every player in this banking industry is making various efforts to increase its pie share or if no increase at least maintains their market share. In relation to the primary research analysis undertook by me, inference can be portrayed that people are incline towards the LIC as they find them more reliable and they also prefer because of their long term relationship with the customer segment. So last we can say that for the insurance sector to succeed they must pay close attention to the revealed choice criteria of the customer in their decision making activity. Therefore customer relationship management programs must be designed to keep the customers intact that includes aligning product and service offerings with customer needs can only be achieved when sufficient knowledge of customer requirement has been captured. Thus accurately understanding the customer’s need is the most important step towards achieving customer satisfaction. CHAPTER-8 RECOMMENDATION AND SUGGESTON There are some recommendations: Open some more branches in semi urban and rural area: ICICI Prudential has almost its branches in urban area or  metros. So in order to increase the no. f customer, ICICI Prudential should increase the approach towards potential customers. For that it has to increase the branches in the semi urban cities like C, D grade  cities. And the rural marketing is the best option for  ICICI Prudential to increase its base in the market. Improve customer services: In order to take the advantage of being industry leader in private sector, I CICI Prudential has to improve its customer services. According to my experience in the company, a good number of customers forget to pay their premium at time so it causes a big loss to the company. ICICI Prudential has already collaborated with the ICICI bank for its Banc assurance facility and then  can include another feature in it. ICICI bank can offer a bank  account with the life insurance policy in which an ATM card will be  provided. This card will have  all the information regarding the policy as like future premium payment dates, payment made, money value of  the policy at that date, value of the unit linked plan and  all other information what the customer want. This will help the customer to pay premium on  time and save their losses. This will be mutually helpful for both sister companies, ICICI bank  will get new account and  ICICI prudential will be able to more efficient services to their customers. Bring some unit linked life insurance plans in the market. Being a market leader doesn’t ensure the leadership in the future. Since after  increment in FDI from 26% to 49%  all player will have the opportunity to capture the market share. So in order to maintain its position ICICI Prudential should-Introduce some new market linked insurance plan, which will give a competitive advantage to the ICICI Prudential against its competitors. Trained the financial advisors more efficiently: In the changed scenario, more  efficient training will be needed, so ICICI Prudential should provide good and efficient training to their financial advisors. Because they are the one  who interact directly with the customers. So good training will give them the right way to deal  with the potential customers. Suggestions * LIC ; ICICI Prudential should work upon building good reputation of its brand as good reputation has direct effect on purchase of insurance product. LIC ; ICICI Prudential should work upon raising the awareness of the product and give more option and provide transparency so as to make selling of its product easier. * Advertising of the insurance product should stress on the need of security. * Insurance should be popularized as the means of securing future rather than saving tax. * Policies should be issued quickly and with less formality. * Other services should be provided. * Reference group are the most effe ctive medium of advertising insurance. CHAPTER-9 APPENDIX QUESTIONNAIRE 1. What is the biggest benefit of life insurance? A) Security B) commission C) protection of wealth D) all 2. Is there any performance incentives? A) Yes B) No 3. How frequently you recruit employees? A) 6 months B) 1 Year C) 3 months D) Every month 4. How do you recruit them? A) References B) Advertisements C) Consultancy D) Walk-ins 5. What is the range on scale of getting maximum ; good quality profiles? A) Average B) Good C) Very Good D) Excellent 6. Under what criteria do you consider while screening profile? A) Age B) Qualification C) Work Experience D) References if any 7. What is the % of candidates who clear the aptitude test? A) 10% B) 20% C) 30% D) 50% 8. Do you normally provide training skill development to new recruits? A) Yes B) No 9. If yes do you send your employees for external training? A) Training institutes B) workshops C) seminars D) none 10. How many steps include selection steps? A) 5 B) 6 C) 8 D) 4 11. On what skill sets candidates are selected in ICICI PRUDENTIAL LIFE INSURANCE CO.? A) Qualifications B) Capabilities C) Soft skills D) All the above 12. After selection of candidates what is the time for offer release? A) Same day B) 3-5 days C) 1-2 days D) 7 days 13. How do you evaluate a candidate in his/her HR interview? A) Aptitude B) Qualification C) Communication skills D) All 14. What is the experience required for HR position in ICICI PRUDENTIAL LIFE INSURANCE CO.? A) 3 Years B) 4 Years C) 2 Years D) 5 Years 15. What is the attrition rate in ICICI PRUDENTIAL LIFE INSURANCE CO? (Number of employees leaving the company in a year) A) 30% B) 40% C) 20% D) 10% 16. What are the top reasons for any improvement in attrition? Ans. 1. Skills Development 2. Communication 3. Promotion/Progress . Management Style 5. Work-Life Balance CHAPTER-10 BIBILOGRAPHY 1. ICFAI Human Resource Management – ICFAI University Press. 2. Gary Dessler, Human Resource Management- PHI Pvt. Ltd. , 2005. 3. G. C. Beri, Marketing Research- Tata McGraw-Hill Publishing Company Limited 4. Udai Parrek and T. Venkateshwara Rao, Designing and Managing Human Resource system, Oxford ; IBH publishing co. Pvt. Ltd. , 2003. 5. K. Aswathappa, Human Resource and Personnel Management, Tata McGraw-Hill Publishing Company Limited, 2005. * http://www. iciciprulife. com * http://www. google. com * http://www. wikipedia. com How to cite A Summer Trainng Report on Recruitment Attrition Management, Papers

Brand Essay Example For Students

Brand Essay Suppose you are working for an agency that is participating in a tender for a contract to improve the (internal) branding at Warts: write in 500-700 words an evaluation of your impression of Wartimes current branding strategy and implementation as you perceive from studying their website, Mr Asss talk and maybe some other information youve observed on the Internet or in the news. Tell them what in your opinion is strong and weak about it and what you would like to help improve. Wariest is a Finnish corporation Which manufactures and services power sources and other equipment in the marine and energy markets. The core products of Wariest include large combustion engines. As of 2013 the company employed 18,663 workers in more than 70 countries and it is headquartered in Helsinki. Wariest is committed to carrying out its business in a sustainable way. Warts is company with strong internal branding. To support connection with customer, the employees should be awareness with their brand strategy and mission. Due to website, videos and programs that offered, workers of Warts is well- informed. A brand strategy mostly direct on target positioning and brand image. The main mission of this company to understand and to hear their target group. Based on dialogues, they make the solutions to create the value of costumers. They also open for a new opportunities and solution, Company tries to follow the innovations and conquering a new vertices. Know plays a big role in providing certain decisions. The reason why a strong contractors select the company is a good recommendations in the market. It guarantee higher vessel availability, worldwide presence, environmental upgrade of the fleet, technical know, continuous development. The latest agreement with advantageous and mutually contractor only improve it. Van Door will bring the Warts only ewe opportunities and development. Warts also offer their customers safety, reliability and quality, support when needed, future proof technology. So the consumers are feel protect, caring and confident in quality of providing services. One more reason Why Warts so strong in market, it was founded in 1834. Thus the company has a long history, it overcomes all environmental modifications, both technical and market changes. Because of experience and customer loyalty the company can pretend on the leadership in area of shipbuilding. One more reason of advantages of Wartimes concept, that they are ethical ND environmental-friendly. This qualities dispose people to them, And be environmental response is extremely important nowadays. Many clients and partners attentively tracing for especially the industrial companies, Nowadays have a website where customers can find a full information about company and offer services is one of the most informant part to companys interaction with consumer. Warts liaise with their customer through to update the intimation about events, new technologies and concepts on the website, In my opinion Warts have a good position on the market.

Best Analysis Money and Materialism in The Great Gatsby

Best Analysis Money and Materialism in The Great Gatsby SAT / ACT Prep Online Guides and Tips In The Great Gatsby, money is a huge motivator in the characters' relationships, motivations, and outcomes. Most of the characters reveal themselves to be highly materialistic, their motivations driven by their desire for money and things: Daisy marries and stays with Tom because of the lifestyle he can provide her, Myrtle has her affair with Tom due to the privileged world it grants her access to, and Gatsby even lusts after Daisy as if she is a prize to be won. After all, her voice is "full of money- that was the inexhaustible charm that rose and fell in it, the jingle of it, the cymbals' song of it. . . . High in a white palace the king's daughter, the golden girl. . . ." (7.106). So how exactly does materialism reveal itself as a theme, how can it help us analyze the characters, and what are some common assignments surrounding this theme? We will dig into all things money here in this guide. Roadmap Money and materialism in the plotKey quotes about money/materialismAnalyzing characters via money/materialismCommon assignments and analysis of money/materialism in Gatsby Quick Note on Our Citations Our citation format in this guide is (chapter.paragraph). We're using this system since there are many editions of Gatsby, so using page numbers would only work for students with our copy of the book. To find a quotation we cite via chapter and paragraph in your book, you can either eyeball it (Paragraph 1-50: beginning of chapter; 50-100: middle of chapter; 100-on: end of chapter), or use the search function if you're using an online or eReader version of the text. Money and Materialism in The Great Gatsby In the opening pages, Nick establishes himself as someone who has had many advantages in life- a wealthy family and an Ivy League education to name just two. Despite not being as wealthy as Tom and Daisy, his second cousin, they see him as enough of a peer to invite him to their home in Chapter 1. Nick's connection to Daisy in turn makes him attractive to Gatsby. If Nick were just a middle-class everyman, the story could not play out in the same way. Tom and Daisy's movements are also supported by their money. At the beginning of the novel they move to fashionable East Egg, after moving around between "wherever people played polo and were rich together," and are able to very quickly pick up and leave at the end of the book after the murders, thanks to the protection their money provides (1.17). Daisy, for her part, only begins her affair with Gatsby after a very detailed display of his wealth (via the mansion tour). She even breaks down in tears after Gatsby shows off his ridiculously expensive set of colored shirts, crying that she's "never seen such beautiful shirts" before (5.8). Gatsby's notoriety comes from, first and foremost, his enormous wealth, wealth he has gathered to win over Daisy. Gatsby was born to poor farmer parents in North Dakota, but at 17, determined to become rich, struck out with the wealthy Dan Cody and never looked back (6.5-15). Even though he wasn't able to inherit any part of Cody's fortune, he used what he learned of wealthy society to first charm Daisy before shipping out to WWI. (In a uniform she had no idea he was poor, especially given his sophisticated manners). Then, after returning home and realizing Daisy was married and gone, he set out to earn enough money to win Daisy over, turning to crime via a partnership with Meyer Wolfshiem to quickly amass wealth (9.83-7). Meanwhile, Tom's mistress Myrtle, a car mechanic's wife, puts on airs and tries to pass as rich through her affair with Tom, but her involvement with the Buchanans gets her killed. George Wilson, in contrast, is constrained by his lack of wealth. He tells Tom Buchanan after finding out about Myrtle's affair that he plans to move her West, but he "[needs] money pretty bad" in order to make the move (7.146). Tragically, Myrtle is hit and killed that evening by Daisy. If George Wilson had had the means, he likely would have already left New York with Myrtle in tow, saving both of their lives. Hardly anyone shows up to Gatsby's funeral since they were only attracted by his wealth and the parties, not the man himself. This is encapsulated in a phone call Nick describes, to a man who used to come to Gatsby's parties: "one gentleman to whom I telephoned implied that he had got what he deserved. However, that was my fault, for he was one of those who used to sneer most bitterly at Gatsby on the courage of Gatsby's liquor and I should have known better than to call him" (9.69). In short, money both drives the plot and explains many of the characters' motivations and limitations. Want to get better grades and test scores? We can help. PrepScholar Tutors is the world's best tutoring service. We combine world-class expert tutors with our proprietary teaching techniques. Our students have gotten A's on thousands of classes, perfect 5's on AP tests, and ludicrously high SAT Subject Test scores. Whether you need help with science, math, English, social science, or more, we've got you covered. Get better grades today with PrepScholar Tutors. Key Quotes About Money Then wear the gold hat, if that will move her;If you can bounce high, bounce for her too,Till she cry "Lover, gold-hatted, high-bouncing lover,I must have you!" - THOMAS PARKE D'INVILLIERS The epigraph of the novel immediately marks money and materialism as a key theme of the book- the listener is implored to "wear the gold hat" as a way to impress his lover. In other words, wealth is presented as the key to love- such an important key that the word "gold" is repeated twice. It's not enough to "bounce high" for someone, to win them over with your charm. You need wealth, the more the better, to win over the object of your desire. "They had spent a year in France, for no particular reason, and then drifted here and there unrestfully wherever people played polo and were rich together." (1.17) Our introduction to Tom and Daisy immediately describes them as rich, bored, and privileged. Tom's restlessness is likely one motivator for his affairs, while Daisy is weighed down by the knowledge of those affairs. This combination of restlessness and resentment puts them on the path to the tragedy at the end of the book. "There was music from my neighbor's house through the summer nights. In his blue gardens men and girls came and went like moths among the whisperings and the champagne and the stars. At high tide in the afternoon I watched his guests diving from the tower of his raft or taking the sun on the hot sand of his beach while his two motor-boats slit the waters of the Sound, drawing aquaplanes over cataracts of foam. On week-ends his Rolls-Royce became an omnibus, bearing parties to and from the city, between nine in the morning and long past midnight, while his station wagon scampered like a brisk yellow bug to meet all trains. And on Mondays eight servants including an extra gardener toiled all day with mops and scrubbing-brushes and hammers and garden-shears, repairing the ravages of the night before†¦." (3.1-3.6) The description of Gatsby's parties at the beginning of Chapter 3 is long and incredibly detailed, and thus it highlights the extraordinary extent of Gatsby's wealth and materialism. In contrast to Tom and Daisy's expensive but not overly gaudy mansion, and the small dinner party Nick attends there in Chapter 1, everything about Gatsby's new wealth is over-the-top and showy, from the crates of oranges brought in and juiced one-by-one by a butler to the full orchestra. Everyone who comes to the parties is attracted by Gatsby's money and wealth, making the culture of money-worship a society-wide trend in the novel, not just something our main characters fall victim to. After all, "People were not invited- they went there" (3.7). No one comes due to close personal friendship with Jay. Everyone is there for the spectacle alone. He took out a pile of shirts and began throwing them, one by one before us, shirts of sheer linen and thick silk and fine flannel which lost their folds as they fell and covered the table in many-colored disarray. While we admired he brought more and the soft rich heap mounted higher- shirts with stripes and scrolls and plaids in coral and apple-green and lavender and faint orange with monograms of Indian blue. Suddenly with a strained sound, Daisy bent her head into the shirts and began to cry stormily. "They're such beautiful shirts," she sobbed, her voice muffled in the thick folds. "It makes me sad because I've never seen such- such beautiful shirts before." (5.7-8) Gatsby, like a peacock showing off its many-colored tail, flaunts his wealth to Daisy by showing off his many-colored shirts. And, fascinatingly, this is the first moment of the day Daisy fully breaks down emotionally- not when she first sees Gatsby, not after their first long conversation, not even at the initial sight of the mansion- but at this extremely conspicuous display of wealth. This speaks to her materialism and how, in her world, a certain amount of wealth is a barrier to entry for a relationship (friendship or more). "She's got an indiscreet voice," I remarked. "It's full of- - " I hesitated. "Her voice is full of money," he said suddenly. That was it. I'd never understood before. It was full of money- that was the inexhaustible charm that rose and fell in it, the jingle of it, the cymbals' song of it. . . . High in a white palace the king's daughter, the golden girl. . . . (7.103-106) Daisy herself is explicitly connected with money here, which allows the reader to see Gatsby's desire for her as desire for wealth, money, and status more generally. So while Daisy is materialistic and is drawn to Gatsby again due to his newly-acquired wealth, we see Gatsby is drawn to her as well due to the money and status she represents. I couldn't forgive him or like him but I saw that what he had done was, to him, entirely justified. It was all very careless and confused. They were careless people, Tom and Daisy- they smashed up things and creatures and then retreated back into their money or their vast carelessness or whatever it was that kept them together, and let other people clean up the mess they had made. . . . (9.146) Here, in the aftermath of the novel's carnage, Nick observes that while Myrtle, George, and Gatsby have all died, Tom and Daisy are not punished at all for their recklessness, they can simply retreat "back into their money or their vast carelessness†¦ and let other people clean up the mess." So money here is more than just status- it's a shield against responsibility, which allows Tom and Daisy to behave recklessly while other characters suffer and die in pursuit of their dreams. Money: the ultimate shrug-off. Analyzing Characters Through Materialism We touched on this a bit with the quotes, but all of the characters can be analyzed from the point of view of their wealth and/or how materialistic they are. This analysis can enrich an essay about old money versus new money, the American dream, or even a more straightforward character analysis, or a comparison of two different characters. Mining the text for a character's attitude toward money can be a very helpful way to understand their motivations in the world of 1920s New York. If you analyze a character through this theme, make sure to explain: #1: Their attitude towards money. #2: How money/materialism drives their choices in the novel. #3: How their final outcome is shaped by their wealth status and what that says about their place in the world. Character Analysis Example As an example, let's look briefly at Myrtle. We get our best look at Myrtle in Chapter 2, when Tom takes Nick to see her in Queens and they end up going to the New York City apartment Tom keeps for Myrtle and hosting a small gathering (after Tom and Myrtle hook up, with Nick in the next room!). Myrtle is obsessed with shows of wealth, from her outfits, to insisting on a specific cab, to her apartment's decoration, complete with scenes of Versailles on the overly-large furniture: "The living room was crowded to the doors with a set of tapestried furniture entirely too large for it so that to move about was to stumble continually over scenes of ladies swinging in the gardens of Versailles" (2.51). She even adopts a different persona among her guests: "The intense vitality that had been so remarkable in the garage was converted into impressive hauteur. Her laughter, her gestures, her assertions became more violently affected moment by moment and as she expanded the room grew smaller around her until she seemed to be revolving on a noisy, creaking pivot through the smoky air" (2.56). In Myrtle's eyes, money is an escape from life with her husband in the valley of ashes, something that brings status, and something that buys class. After all, Tom's money secures her fancy apartment and allows her to lord it over her guests and play at sophistication, even while Nick looks down his nose at her. Obviously there is physical chemistry driving her affair with Tom, but she seems to get as much (if not more) pleasure from the materials that come with the affair- the apartment, the clothes, the dog, the parties. So she keeps up this affair, despite how morally questionable it is and the risk it opens up for her- her materialism, in other words, is her primary motivator. However, despite her airs, she matters very little to the "old money" crowd, as cruelly evidenced first when Tom breaks her nose with a "short deft movement" (2.126), and later, when Daisy chooses to run her over rather than get into a car accident. Myrtle's character reveals how precarious social climbing is, how materialism is not actually a path to happiness/virtue. In this novel, actual mountain climbing is safer than social climbing. Common Assignments and Discussion Topics About Money and Materialism in The Great Gatsby Here are ways to think about frequently assigned topics on this the theme of money and materialism. Discuss Tom Daisy as people who "smash things and retreat into their money" As discussed above, money- and specifically having inherited money- not only guarantees a certain social class, it guarantees safety and privilege: Tom and Daisy can literally live by different rules than other, less-wealthy people. While Gatsby, Myrtle, and George all end up dead, Tom and Daisy get to skip town and avoid any consequences, despite their direct involvement. For this prompt, you can explore earlier examples of Tom's carelessness (breaking Myrtle's nose, his behavior in the hotel scene, letting Daisy and Gatsby drive back to Long Island after the fight in the hotel) as well as Daisy's (throwing a fit just before her wedding but going through with it, kissing Gatsby with her husband in the next room). Show how each instance reveals Tom or Daisy's carelessness, and how those instances thus foreshadow the bigger tragedy- Myrtle's death at Daisy's hands, followed by Tom's manipulation of George to kill Gatsby. You can also compare Tom and Daisy's actions and outcomes to other characters to help make your point- Myrtle and Gatsby both contribute to the conflict by participating in affairs with Tom and Daisy, but obviously, Myrtle and Gatsby don't get to "retreat into their money," they both end up dead. Clearly, having old money sets you far apart from everyone else in the world of the novel. Want to get better grades and test scores? We can help. PrepScholar Tutors is the world's best tutoring service. We combine world-class expert tutors with our proprietary teaching techniques. Our students have gotten A's on thousands of classes, perfect 5's on AP tests, and ludicrously high SAT Subject Test scores. Whether you need help with science, math, English, social science, or more, we've got you covered. Get better grades today with PrepScholar Tutors. What do Nick's comments about money reveal about his attitude towards wealth? This is an interesting prompt, since you have to comb through passages of Nick's narration to find his comments about money, and then consider what they could mean, given that he comes from money himself. To get you started, here is a sample of some of Nick's comments on money and the wealthy, though there are certainly more to be found: "Only Gatsby, the man who gives his name to this book, was exempt from my reaction- Gatsby who represented everything for which I have an unaffected scorn." (1.4) "My own house was an eye-sore, but it was a small eye-sore, and it had been overlooked, so I had a view of the water, a partial view of my neighbor's lawn, and the consoling proximity of millionaires- all for eighty dollars a month. (1.14) "They had spent a year in France, for no particular reason, and then drifted here and there unrestfully wherever people played polo and were rich together." (1.17) Nick's comments about money, especially in the first chapter, are mostly critical and cynical. First of all, he makes it clear that he has "an unaffected scorn" for the ultra-rich, and eyes both new money and old money critically. He sarcastically describes the "consoling proximity of millionaires" on West Egg and wryly observes Tom and Daisy's restless entitlement on East Egg. These comments might seem a bit odd, given that Nick admits to coming from money himself: "My family have been prominent, well-to-do people in this middle-western city for three generations" (1.5). However, while Nick is wealthy, he is nowhere near as wealthy as the Buchanans or Gatsby- he expresses surprise both that Tom is able to afford bringing ponies from Lake Forest ("It was hard to realize that a man in my own generation was wealthy enough to do that" (1.16), and that Gatsby was able to buy his own mansion ("But young men didn't- at least in my provincial inexperience I believed they didn't- drift coolly out of nowhere and buy a palace on Long Island Sound" (3.88)), despite the fact they are all about 30 years old. In other words, while he opens the book with his father's advice to remember "all the advantages [he's] had," Nick seems to have a chip on his shoulder about still not being in the highest tier of the wealthy class. While he can observe the social movements of the wealthy with razor precision, he always comes off as wry, detached, and perhaps even bitter. Perhaps this attitude was tempered at Yale, where he would have been surrounded by other ultra-wealthy peers, but in any case, Nick's cynical, sarcastic attitude seems to be a cover for jealousy and resentment for those even more wealthy than him. Why does Gatsby say Daisy's voice is "full of money"? What does it reveal about the characters' values? Gatsby's comment about Daisy's voice explicitly connects Daisy the character to the promise of wealth, old money, and even the American Dream. Furthermore, the rest of that quote explicitly describes Daisy as "High in a white palace, the King's daughter, the golden girl†¦" (7.106). This makes Daisy sound like the princess that the hero gets to marry at the end of a fairy tale- in other words, she's a high-value prize. Daisy representing money also suggests money is as alluring and desirable- or even more so- than Daisy herself. In fact, during Chapter 8 when we finally get a fuller recap of Daisy and Gatsby's early relationship, Nick notes that "It excited [Gatsby] too that many men had already loved Daisy- it increased her value in his eyes" (8.10). In other words, Gatsby loves Daisy's "value" as an in-demand product. But since Daisy is flighty and inconsistent, Gatsby's comment also suggests that wealth is similarly unstable. But that knowledge doesn't dampen his pursuit of wealth- if anything, it makes it even more desirable. And since Gatsby doesn't give up his dream, even into death, we can see how fervently he desires money and status. Connecting new/old money and materialism to the American dream In the world of The Great Gatsby, the American Dream is synonymous with money and status- not so much success, career (does anyone but Nick and George even have a real job?), happiness, or family. But even Gatsby, who makes an incredible amount of money in a short time, is not allowed access into the upper echelon of society, and loses everything in trying to climb that final, precarious rung of the ladder, as represented by Daisy. So the American Dream, which in the first half of the book seems attainable based on Gatsby's wealth and success, reveals itself to be a hollow goal. After all, if even wealth on the scale of Gatsby's can't buy you entry into America's highest social class, what can? What's the point of striving so hard if only heartbreak and death are waiting at the end of the road? This pessimism is also reflected in the fates of Myrtle and George, who are both trying to increase their wealth and status in America, but end up dead by the end of the novel. You can read more about the American Dream for details on The Great Gatsby's ultimately skeptical, cynical attitude towards this classic American ideal. Connecting money to the status of women Daisy and Jordan are both old money socialites, while Myrtle is a working class woman married to a mechanic. You can thus compare three very different women's experiences to explore how money- or a lack thereof- seems to change the possibilities in a woman's life in early 1920s America. Daisy maintains her "old money" status by marrying a very rich man, Tom Buchanan, and ultimately sticks with him despite her feelings for Gatsby. Daisy's decision illustrates how few choices many women had during that time- specifically, that marrying and having children was seen as the main role any woman, but especially a wealthy woman, should fulfill. And furthermore, Daisy's willingness to stay with Tom despite his affairs underscores another aspect of women's roles during the 1920s: that divorce was still very uncommon and controversial. Jordan temporarily flouts expectations by ""[running] around the country," (1.134) playing golf, and not being in a hurry to marry- a freedom that she is allowed because of her money, not in spite of it. Furthermore, she banks on her place as a wealthy woman to avoid any major scrutiny, despite her "incurable dishonesty": "Jordan Baker instinctively avoided clever shrewd men and now I saw that this was because she felt safer on a plane where any divergence from a code would be thought impossible. She was incurably dishonest. She wasn't able to endure being at a disadvantage, and given this unwillingness I suppose she had begun dealing in subterfuges when she was very young" (3.160). Furthermore, by the end of the novel she claims to be engaged, meaning that like Daisy, she's ultimately chosen to live within the lines society has given her. (Even if she's not actually engaged, the fact she chooses to tell Nick that suggests she does see engagement as her end goal in life.) Myrtle feels trapped in her marriage, which pushes her into her affair with Tom Buchanan, an affair which grants her access to a world- New York City, wealth, parties- she might not otherwise have access to. However, jumping up beyond her roots, using Tom's money, is ultimately unsustainable- her husband finds out and threatens to move out west, and then of course she is killed by Daisy before they can make that move. Myrtle- both working class and a woman- is thus trapped between a rock (her gender) and a hard place (her lack of money), and perhaps for this reason receives the cruelest treatment of all. So all three women push the boundaries of their expected societal roles- Daisy's affair with Gatsby, Jordan's independent lifestyle, and Myrtle's affair with Tom- but ultimately either fall in line (Daisy, Jordan) or are killed for reaching too far (Myrtle). So Gatsby ultimately provides a pretty harsh, pessimistic view of women's roles in 1920s America. What's Next? In The Great Gatsby, money is central to the idea of the American Dream. Read more about how the American Dream is treated in The Great Gatsby and whether the novel is ultimately optimistic or pessimistic about the dream. Money (or the lack of it!) is also why the novel's symbols of the green light and the valley of ashes are so memorable and charged. Read more about those symbols for a fuller understanding of how money affects The Great Gatsby. Want the complete lowdown on Jay Gatsby's rags-to-riches story? Check out our guide to Jay Gatsby for the complete story. Thinking about indulging in a little materialism yourself al Gatsby? We've compiled a list of 15 must-have items for fans of The Great Gatbsy book and movie adaptations. Looking for other literary guides? Learn more about The Crucible, The Cask of Amontillado, and "Do not go gentle into that good night" with our expert analyses. Want to improve your SAT score by 160 points or your ACT score by 4 points? We've written a guide for each test about the top 5 strategies you must be using to have a shot at improving your score. Download it for free now:

How to Identify and Grow Your Own Fringe Tree (Old Mans Beard)

How to Identify and Grow Your Own Fringe Tree (Old Mans Beard) Fringe Tree or Old Mans Beard is a beautiful, small tree when it is in full spring bloom. It can grow nearly anywhere in the continental United States and its white flower color kicks in just as the dogwood blooms are fading. The upright oval to rounded form of fringe tree adds dark green color in summer, bright white flowers in spring. The pure white, slightly fragrant flowers hang in long, spectacular panicles which appear to cover the tree with cotton for two weeks. Specifics Scientific name: Chionanthus virginicusPronunciation: kye-oh-NANTH-us ver-JIN-ih-kussCommon name(s): fringetree, old mans beardFamily: OleaceaeUSDA hardiness zones: 3 through 9Origin: native to North AmericaUses: container or above-ground planter; wide tree lawns; medium-sized tree lawns; recommended for buffer strips around parking lots or for median strip plantings in the highway; near a deck or patio; narrow tree lawns; specimen; sidewalk cutout (tree pit); residential street tree Special Characteristics Fringetree seedlings can vary in individual characteristics and are nearly impossible to propagate using cuttings. The small tree is cold hardy down to -30 F. Fringe tree makes a great woodland or understory naturalizing plant but can also prosper in full sun. In a word, it is a versatile plant. Horticulturist Quotes This tree looks stunning, almost ethereal when seen at peak bloom at night, illuminated by a full moon. And in the developed landscapes of your home, car headlights scanning around the edges of a driveway work just as well. - Guy Sternberg, Native Trees Fringe tree is an apt moniker for this delightful small flowering tree, whose white blossoms do resemble a fanciful white fringe suspended in the spring sunlight. - Rick Darke, The American Woodland Garden Leaves Leaf arrangement: Opposite/sub-opposite; whorledLeaf type: SimpleLeaf margin: EntireLeaf shape: Oblong; obovateLeaf venation: Pinnate; reticulateLeaf type and persistence: DeciduousLeaf blade length: 4 to 8 inches; 2 to 4 inchesLeaf color: GreenFall color: YellowFall characteristic: Not showy Trunk and Branches Bark is thin and easily damaged from mechanical impact; droop as the tree grows, and will require pruning for vehicular or pedestrian clearance beneath the canopy; routinely grown with, or trainable to be grown with, multiple trunks; not particularly showy; tree wants to grow with several trunks but can be trained to grow with a single trunk; no thorns. Pruning requirement: Needs little pruning to develop a strong structure.Breakage: ResistantCurrent year twig color: Brown; green; grayCurrent year twig thickness: Medium; thick Culture Light requirement: tree grows in part shade/part sun; tree grows in the shade; tree grows in full sunSoil tolerances: clay; loam; sand; acidic; occasionally wet; well-drainedDrought tolerance: moderate In Depth Dark green, glossy leaves emerge later in the spring than those of most plants, just as the flowers are at peak bloom. This differs from Chinese fringe tree which flowers at the terminal end of the spring growth flush. Female plants develop purple-blue fruits which are highly prized by many birds. Fall color is yellow in northern climates, but is an unnoticed brown in the south, with many leaves dropping to the ground a blackened green. The flowers can be forced into early bloom indoors. The plant eventually grows 20 to 30 feet tall in the woods, spreads to 15 feet, and tolerates city conditions well, but trees are more commonly seen 10 to 15 feet tall in landscapes where they are grown in the open. It forms as a multi-stemmed round ball if left unpruned but can be trained into a small tree with lower branches removed. Although reportedly difficult to transplant, the fringe tree can be successfully moved quite easily with proper care. It could be used beneath power lines where no pruning would be required. Fringetree looks best in a sunny spot sheltered from the wind. The foliage appears more attractive when grown with several hours of shade but the tree blooms best in full sun. It is probably best overall with some afternoon shade. A North American native commonly found in upland woods and stream banks throughout most of the South, fringe tree prefers moist, acidic soil and will gladly grow in even wet soils. It grows very slowly, usually 6 to 10 inches per year, but can grow a foot per year if given rich, moist soil and plenty of fertilizer. There is only one flush of growth each year.

History and Money Research Paper Example | Topics and Well Written Essays - 750 words

History and Money - Research Paper Example Therefore, business is defined as the exchange of goods with others goods or services. Business have been conducted from the time of the agrarian revolution up to date by diverse generations using different mediums like exchange of goods and other good which is commonly referred to as the batter trade. After the invention of writing and numerical recording, humans are now able to conduct business and record it effectively. After that business has advanced where in the modern world people can carry out business activities while miles away over modern methods of communication. Money remains the most preferred and used medium of exchange in most business activities and transactions. This is mainly because money is easy to use and carry and also used as a measure of value. Money is categorised as one of the earliest and the most significant inventions of civilization; it is an important item of development of trade. Money has always been used as an important intermediary substance that enables the seller to have a wide selection of choice when and where he wishes to become a buyer. The earliest currency used in commercial transactions is recorded to have been used in Egypt and Mesopotamia the third millennium BC it manly consisted of gold bars. Latter they supplemented it by gold rings for smaller sums during the early civilization. The earliest ever known coins are believed to have come from the western world in a city named Ephesus in Ionia, which is located in present day western turkey about 650 BC. Croesus king of neighbouring Lydia was the first ruler to mint coins pure gold and pure silver. Paper currency made its first appearance in Europe in the 17th century where Sweden claims the priority. Today money is printed in a different currency where value is attached to each paper and also compared in diffract currency making it able for people to switch from one currency to the other owing to the value