Introduction to Axis Bank

INTRODUCTION TO AXIS BANK Commercial banking services which includes merchant banking, direct finance infrastructure finance, venture capital fund, advisory, trusteeship, forex, treasury and other related financial services. As on 31-Mar-2009, the Group has 827 branches, extension counters and 3,595 automated teller machines (ATMs). Axis Bank was the first of the new private banks to have begun operations in 1994, after the Government of India allowed new private banks to be established.The Bank was promoted jointly by the Administrator of the specified undertaking of the Unit Trust of India (UTI – I), Life Insurance Corporation of India (LIC) and General Insurance Corporation of India (GIC) and other four PSU insurance companies, i. e. National Insurance Company Ltd. , The New India Assurance Company Ltd. , The Oriental Insurance Company Ltd. and United India Insurance Company Ltd. The Bank today is capitalized to the extent of Rs. 359. 76 corers with the public holding (othe r than promoters) at 57. 79%. The Bank's Registered Office is at Ahmadabad and its Central Office is located at Mumbai.The Bank has a very wide network of more than 853 branches and Extension Counters (as on 30th June 2009). The Bank has a network of over 3723 ATMs (as on 30th June 2009) providing 24 hrs a day banking convenience to its customers. This is one of the largest ATM networks in the country. The Bank has strengths in both retail and corporate banking and is committed to adopting the best industry practices internationally in order to achieve excellence. HISTORY OF AXIS BANK In 1993, the Bank was incorporated on 3rd December and Certificate of business on 14th Dece11mber.The Bank transacts banking business of all description. UTI Bank Ltd. was promoted by Unit Trust of India, Life Insurance Corporation of India, General Insurance Corporation of India and its four subsidiaries. The bank was the first private sector bank to get a license under the new guidelines issued by th e RBI. In 1997, the Bank obtained license to act as Depository Participant with NSDL and applied for registration with SEBI to act as `Trustee to Debenture Holders'. Rupees 100 crores was contributed by UTI, the rest from LIC Rs 7. 5 crores, GIC and its four subsidiaries Rs 1. crores each. In 1998, the Bank has 28 branches in urban and semi urban areas as on 31st July. All the branches are fully computerized and networked through VSAT. ATM services are available in 27 branches. The Bank came out with a public issue of 1,50,00,000 No. of equity shares of Rs 10 each at a premium of Rs 11 per share aggregating to Rs 31. 50 crores and Offer for sale of 2,00,00,000 No. of equity shares for cash at a price of Rs 21 per share. Out of the public issue 2, 20,000 shares were reserved for allotment on preferential basis to employees of UTI Bank.Balance of 3, 47, 80,000 shares were offered to the public. The company offers ATM cards, using which account-holders can withdraw money from any of th e bank's ATMs across the country which is inter-connected by VSAT. UTI Bank has launched a new retail product with operational flexibility for its customers. UTI Bank will sign a co-brand agreement with the market, leader, Citibank NA for entering into the highly promising credit card business. UTI Bank promoted by India's pioneer mutual fund Unit Trust of India along with LIC, GIC and its four subsidiaries.In 1999, UTI Bank and Citibank have launched an international co-branded Credit card. UTI Bank and Citibank have come together to launch an international co-branded credit card under the MasterCard umbrella. UTI Bank Ltd has inaugurated an off site ATM at Ashok Nagar here, taking the total number of its off site ATMs to 13. m In 2000, the Bank has announced the launch of Tele-Depository Services for Its depository clients. UTI Bank has launch of `iConnect', its Internet banking Product. UTI Bank has signed a memorandum of understanding with equitymaster. om for e-broking activiti es of the site. Infinity. com financial Securities Ltd. , an e-broking outfit is Typing up with UTI Bank for a banking interface. Geojit Securities Ltd, the first company to start online trading services, has signed a MoU with UTI Bank to enable investors to buysell demat stocks through the company's website. India bulls have signed a memorandum of understanding with UTI Bank. UTI Bank has entered into an agreement with Stock Holding Corporation of India for providing loans against shares to SCHCIL's customers and funding investors in public and rights issues.ICRA has upgraded the rating UTI Bank's Rs 500 crore certificate of deposit programmed to A1+. UTI Bank has tied up with L&T Trade. com for providing customized online trading solution for brokers. In2001, UTI Bank launched a private placement of non-convertible debentures to rise up to Rs 75 crores. UTI Bank has opened two offsite ATMs and one extension counter with an ATM in Mangalore, taking its total number of ATMs across t he country to 355. UTI Bank has recorded a 62 per cent rise in net profit for the quarter ended September 30, 2001, at Rs 30. 5 crore. For the second quarter ended September 30, 2000, the net profit was Rs 19. 08 crore. The total income of the bank during the quarter was up 53 per cent at Rs 366. 25 crore. In 2002, UTI Bank Ltd has informed BSE that Shri B R Barwale has resigned as a Director of the Bank w. e. f. January 02, 2002. A C Shah, former chairman of Bank of Baroda, also retired from the bank’s board in the third quarter of last year. His place continues to be vacant. M Damodaran took over as the director of the board after taking in the reins of UTI.B S Pandit has also joined the bank’s board subsequent to the retirement of K G Vassal. UTI Bank Ltd has informed that Shri Paul Fletcher has been appointed as an Additional Director Nominee of CDC Financial Service (Mauritius) Ltd of the Bank. And Shri Donald Peck has been appointed as an Additional Director (nom inee of South Asia Regional Fund) of the Bank. UTI Bank Ltd has informed that on laying down the office of Chairman of LIC on being appointed as Chairman of SEBI, Shri G N Bajpai, Nominee Director of LIC has resigned as a Director of the Bank.In 2002, B Paranjpe & Abid Hussain cease to be the Directors of UTI Bank. UTI Bank Ltd has informed that in the meeting of the Board of Directors following decisions were taken: Mr Yash Mahajan, Vice Chairman and Managing Director of Punjab Tractors Ltd were appointed as an Additional Director with immediate effect. Mr. N C Singhal former Vice Chairman and Managing Director of SCICI was appointed as an Additional Director with immediate effect. ABN Amro, UTI Bank in pact to share ATM. UTI Bank Ltd has informed BSE that a meeting of theBoard of Directors of the Bank is scheduled to be held on October 24, 2002 to consider and take on record the unaudited half yearly/quarterly financial results of the Bank for the half year/Quarter ended September 30, 2002. UTI Bank Ltd has informed that Shri J M Trivedi has been appointed as an alternate director to Shri Donald Peck with effect from November 2, 2002. In 2003, UTI Bank Ltd has informed BSE that at the meeting of the Board of Directors of the company held on January 16, 2003, Shri R N Bharadwaj, Managing Director of LIC has been appointed as an Additional Director of the Bank with immediate effect. UTI Bank, the private sector bank has opened a branch at Nellore. The bank's Chairman and Managing Director, Dr P. J. Nayak, inaugurating the bank branch at GT Road on May 26. Speaking on the occasion, Dr Nayak said. This marks another step towards the extensive customer banking focus that we are providing across the country and reinforces our commitment to bring superior banking services, marked by convenience and closeness to customers. -UTI Bank Ltd. has informed the Exchange that at its meeting held on June 25, 2003 the BOD have decided the following: 1) To appoint Mr. A T Pann ir Selvam, former CMD of Union Bank of India and Prof.Jayanth Varma of the Indian Institute of Management, Ahmedabad as additional directors of the Bank with immediate effect. Further, Mr. Pannir Selvam will be the nominee director of the Administrator of the specified undertaking of the Unit Trust of India (UTI-I) and Mr. Jayanth Varma will be an Independent Director. 2) To issue Non-Convertible Unsecured Redeemable Debentures up to Rs. 100 crs, in one or more tranches as the Bank's Tier – II capital. -UTI has been authorized to launch 16 ATMs on the Western Railway Stations of Mumbai Division. -UTI filed suit against financial institutions IFCI Ltd in the ebt recovery tribunal at Mumbai to Recover Rs. 85cr in dues. -UTI bank made an entry to the Food Credit Program me; it has made an entry into the 59 cluster which includes private sector, public sector, old private sector and co-operative banks. -Shri Ajeet Prasad, Nominee of UTI has resigned as the director of the bank. - Banks Chairman and MD Dr. P. J. Nayak inaugurated a new branch at Nellore. -UTI bank allots shares under Employee Stock Option Scheme to its employees. -Unveils pre-paid travel card ‘Visa Electron Travel Currency Card' -Allotment of 58923 equity shares of Rs 10 each under ESOP. UTI Bank ties up with UK govt fund for contract farm in -Shri B S Pandit, nominee of the Administrator of the Specified Undertaking of the Unit Trust of India (UTI-I) has resigned as a director from the Bank wef November 12, 2003. -UTI Bank unveils new ATM in Sikkim. In 2004, Comes out with Rs. 500 mn Unsecured Redeemable Non-Convertible Debenture Issue, issue fully subscribed -UTI Bank Ltd has informed that Shri Ajeet Prasad, Nominee of the Administrator of the Specified Undertaking of the Unit Trust of India (UTI – I) has been appointed as an Additional Director of the Bank w. e. f. January 20, 2004. UTI Bank opens new branch in Udupi-UTI Bank, Geojit in pact for trading platform in Qatar -UTI Bank ties up with Shriram Group Cos -Unveils premium payment facility through ATMs applicable to LIC UTI Bank customers –Metal junction (MJ)- the online trading and procurement joint venture of Tata Steel and Steel Authority of India (SAIL)- has roped in UTI Bank to start off own equipment for Tata Steel. -DIEBOLD Systems Private Ltd, a wholly owned subsidiary of Diebold Incorporated, has secured a major contract for the supply of ATMs an services to UTI Bank -HSBC completes acquisition of 14. 6% stake in UTI Bank for . m -UTI Bank installs ATM in Thiruvananthapuram -Launches Remittance Card' in association with Remit2India, a Web site offering money transfer services In 2005, UTI Bank enters into a banc assurance partnership with Bajaj Allianz General for selling general insurance products through its branch network. -UTI Bank launches its first Satellite Retail Assets Centre (SRAC) in Karnataka at Mangalore. In 2006, UBL sets up branch in Jaipur -UTI Bank unveils priority b anking lounge. MANAGEMENT OF AXIS BANK Promoters: Axis Bank Ltd. has been promoted by the largest and the best Financial Institution of the country, UTI.The Bank was set up with a capital of Rs. 115 crore, with UTI contributing Rs. 100 Crore, LIC – Rs. 7. 5 Crore and GIC and its four subsidiaries contributing Rs. 1. 5 Crore each SUUTI – Shareholding 27. 02%Erstwhile Unit Trust of India was set up as a body corporate under the UTI Act, 1963, with a view to encourage savings and investment. In December 2002, the UTI Act, 1963 was repealed with the passage of Unit Trust of India (Transfer of Undertaking and Repeal) Act, 2002 by the Parliament, paving the way for the bifurcation of UTI into 2 entities, UTI-I and UTI-II with effect from 1st February 2003.In accordance with the Act, the Undertaking specified as UTI I has been transferred and vested in the Administrator of the Specified Undertaking of the Unit Trust of India (SUUTI), who manages assured return schemes along w ith 6. 75% US-64 Bonds, 6. 60% ARS Bonds with a Unit Capital of over Rs. 14167. 59 crores. The Government of India has currently appointed Shri K. N. Prithviraj as the Administrator of the Specified undertaking of UTI, to look after and administer the schemes under UTI where Government has continuing obligations and commitments to the investors, which it will uphold.MEANING OF WHOLE BANKING OPERATION The Wholesale Banking contains products sold to large and middle market commercial companies, as well as to consumers on a wholesale basis. This includes lending, treasury management, mutual funds, asset-based lending, commercial real estate, corporate and institutional trust services, and investment banking through Wells Fargo Securities. The company also owns Baring ton Associates, a middle market investment bank.Wells Fargo historically has avoided large corporate loans as stand-alone products, instead requiring that borrowers purchase other products along with loans which the bank s ees as a loss leader. One area that is very profitable to Wells, however, is asset-based lending: lending to large companies using assets as collateral that are not normally used in other loans. This can be compared to subprime lending, but on a corporate level. The main brand name for this activity is â€Å"Wells Fargo Foothill,† and is regularly marketed in tombstone ads in the Wall Street Journal.Wells Fargo also owns Eastdil Secured, which is described as a â€Å"real estate investment bank† but is essentially one of the largest commercial real estate brokers for very large transactions (such as the purchase and sale of large Class-A office buildings in central business districts throughout the United States). The wholesale banking operations consist of the following transactions: 1. Opening of Account 2. Issue of Check book 3. International Debit / Credit Card 4. Issue of Demand Draft (DD) 5. Net banking 6. e-mail statement 7. phone banking 8.Insta Query 9. Insta Alert 10. Bill pay 11. Passbook 12. Quarterly Account Statement 13. Loan Facility definitions of banking * A bank is a financial institution licensed by a government. Its primary activity is to lend money. Many other financial activities were allowed over time. For example banks are important players in financial markets and offer financial services such as investment funds. * Banking can also be defined as engaging in the business of keeping money for savings and checking accounts or for exchange or for issuing loans and credit. Transacting business with a bank; depositing or withdrawing funds or requesting a loan. * Bank – a supply or stock held in reserve for future use (especially in emergencies) MEANING of BANK An organization, usually a corporation, chartered by a state or federal government, which does most or all of the following: receives demand deposits and time deposits, honors instruments drawn on them, and pays interest on them; discounts notes, makes loans, and invests in securities; collects checks, drafts, and notes; certifies depositor's checks; and issues drafts and cashier's checks.PRADUCT OF AXIS BANK * Easy Access Saving Account * Saving Account for Women * Prime Saving Account * Senior Citizens Saving Account * Priority Banking * Corporate Salary Account * Trust /NGOs Saving Account * Resident Foreign Currency Account * Online Trading Account * Current Account * Term Deposits * Locker Facilities * NRI Services * Depository Services * Financial Advisory Services * Wealth Management Services * Insurance Solutions – Life and General * Retail Loans * Credit Loans * Travel Currency Cards * Remittance Cards CUSTOMER SERVICE IN BANKING OPERATION CHEQUE DROP BOX FACILITY: – RBI's Committee on Procedures and Performance Audit on Public Services have recommended that both the drop box facility and the facility for acknowledgement of the cheques at the regular collection counters should be available to customers and no branch sh ould refuse to give an acknowledgement if the customer tenders the cheques at the counters. * ISSUE OF CHEQUE BOOK: – The Committee has observed that some banks do not allow depositors to collect their cheque book at the branch but insist on dispatching the cheque book by courier to the depositor.Further, it is stated by the Committee that the depositor is forced to sign a declaration that a dispatch by the courier is at the depositor's risk and consequence and that the depositor shall not hold the bank liable in any manner whatsoever in respect of such dispatch of cheque book. Committee has observed this as an unfair practice and advised banks to refrain from obtaining such undertakings from depositors. Banks should also ensure that cheque books are delivered over the counters on request to the depositors or his authorized representative. STATEMENT OF ACCOUNT / PASS BOOK: – The Committee has noted that banks invariably show the entries in depositor’s passbooks / statement of accounts as â€Å"By Clearing† or â€Å"By Cheque†. Further, in the case of Electronic Clearing System (ECS) and RBI Electronic Funds Transfer (RBIEFTR) banks invariably do not provide any details even though brief particulars of the remittance are provided to the receiving bank. In some cases computerized entries use sophisticated codes which just cannot be deciphered.With a view to avoiding inconvenience to depositors, banks are advised to avoid such inscrutable entries in passbooks statements of account and ensure that brief, intelligible particulars are invariably entered in passbooks / statements of account. Banks may also ensure that they adhere to the monthly periodicity prescribed by us while sending statement of accounts. TRADITIONAL BANKING ACTIVITIES Banks act as payment agents by conducting checking or current accounts for customers, paying cheques drawn by customers on the bank, and collecting cheques deposited to customers' current accounts .Banks also enable customer payments via other payment methods such as telegraphic transfer, EFTPOS, and ATM. Banks borrow money by accepting funds deposited on current accounts, by accepting term deposits, and by issuing debt securities such as banknotes and bonds. Banks lend money by making advances to customers on current accounts, by making installment loans, and by investing in marketable debt securities and other forms of money lending. Banks provide almost all payment services, and a bank account is considered indispensable by most businesses, individuals and governments.Non-banks that provide payment services such as remittance companies are not normally considered an adequate substitute for having a bank account. Banks borrow most funds from households and non-financial businesses, and lend most funds to households and non-financial businesses, but non-bank lenders provide a significant and in many cases adequate substitute for bank loans, and money market funds, cash manag ement trusts and other non-bank financial institutions in many cases provide an adequate substitute to banks. ACCOUTING FOR BANK ACCOUNTBank statements are accounting records produced by banks under the various accounting standards of the world. Under GAAP and IFRS there are two kinds of accounts: debit and credit. Credit accounts are Revenue, Equity and Liabilities. Debit Accounts are Assets and Expenses. This means you credit a credit account to increase its balance, and you debit a debit account to increase its balance. This also means you debit your savings account every time you deposit money into it (and the account is normally in deficit), while you credit your credit card account every time you spend money from it (and the account is normally in credit).However, if you read your bank statement, it will say the opposite that you credit your account when you deposit money, and you debit it when you withdraw funds. If you have cash in your account, you have a positive (or credi t) balance; if you are overdrawn, you have a negative (or deficit) balance. The reason for this is that the bank, and not you, has produced the bank statement. Your savings might be your assets, but the bank's liability, so they are credit accounts (which should have a positive balance).Conversely, your loans are your liabilities but the bank's assets, so they are debit accounts (which should have a also have a positive balance). Where bank transactions, balances, credits and debits are discussed below, they are done so from the viewpoint of the account holder which is traditionally what most people are used to seeing. ECONOMIC FUNCTION * ISSUE OF MONEY: – In the form of banknotes and current accounts subject to cheque or payment at the customer's order. These claims on banks can act as money because they are negotiable and/or repayable on demand, and hence valued at par.They are effectively transferable by mere delivery, in the case of banknotes, or by drawing a cheque that the payee may bank or cash. * NETTING AND SETTELEMENT OF PAYMENT: – Banks act as both collection and paying agents for customers, participating in interbank clearing and settlement systems to collect, present, be presented with, and pay payment instruments. This enables banks to economies on reserves held for settlement of payments, since inward and outward payments offset each other. It also enables the offsetting of payment flows between geographical areas, reducing the cost of settlement between them. * CREDIT INTERMEDIATION: –Banks borrow and lend back-to-back on their own account as middle men. * CREDIT QUALITY IMPROVEMENT: – Banks lend money to ordinary commercial and personal borrowers (ordinary credit quality), but are high quality borrowers. The improvement comes from diversification of the bank's assets and capital which provides a buffer to absorb losses without defaulting on its obligations. However, banknotes and deposits are generally unsecured; if the bank gets into difficulty and pledges assets as security, to rise the funding it needs to continue to operate, this puts the note holders and depositors in an economically subordinated position. MATURITY TRANSFORMATION: – Banks borrow more on demand debt and short term debt, but provide more long term loans. In other words, they borrow short and lend long. With a stronger credit quality than most other borrowers, banks can do this by aggregating issues (e. g. accepting deposits and issuing banknotes) and redemptions (e. g. withdrawals and redemptions of banknotes), maintaining reserves of cash, investing in marketable securities that can be readily converted to cash if needed, and raising replacement funding as needed from various sources (e. g. wholesale cash markets and securities markets).BANKING CHANNELS Banks offer many different channels to access their banking and other services: * A branch, banking centre or financial centre is a retail location where a bank or f inancial institution offers a wide array of face-to-face service to its customers. * ATM is a computerized telecommunications device that provides a financial institution's customers a method of financial transactions in a public space without the need for a human clerk or bank teller. Most banks now have more ATMs than branches, and ATMs are providing a wider range of services to a wider range of users.For example in Hong Kong, most ATMs enable anyone to deposit cash to any customer of the bank's account by feeding in the notes and entering the account number to be credited. Also, most ATMs enable card holders from other banks to get their account balance and withdraw cash, even if the card is issued by a foreign bank. * Mail is part of the postal system which itself is a system wherein written documents typically enclosed in envelopes, and also small packages containing other matter, are delivered to destinations around the world. This can be used to deposit cheques and to send or ders to the bank to pay money to third parties.Banks also normally use mail to deliver periodic account statements to customers. * Telephone banking is a service provided by a financial institution which allows its customers to perform transactions over the telephone. This normally includes bill payments for bills from major billers (e. g. for electricity). * Online banking is a term used for performing transactions, payments etc. over the Internet through a bank, credit union or building society's secure website. * Mobile banking is a method of using one's mobile phone to conduct simple banking transactions by remotely linking into a banking network. Video banking is a term used for performing banking transactions or professional banking consultations via a remote video and audio connection. Video banking can be performed via purpose built banking transaction machines (similar to an Automated teller machine), or via a videoconference enabled bank branch. TYPES OF INVESTMENT BANK * Investment banks â€Å"underwrite† (guarantee the sale of) stock and bond issues, trade for their own accounts, make markets, and advise corporations on capital market activities such as mergers and acquisitions. * Merchant banks were traditionally banks which engaged in trade finance.The modern definition, however, refers to banks which provide capital to firms in the form of shares rather than loans. Unlike venture capital firms, they tend not to invest in new companies. MORTGAGE BANKING Mortgage banking deals primarily with originating mortgage loans and servicing them. Read more about it here as well as about what a career in mortgage banking involves. Mortgage banking is meant for a single purpose, to service the real estate finance industry. Mortgage banking deals specifically with originating mortgage loans as well as servicing them.Mortgage banks are state-licensed entities from which consumers can get mortgage loans directly. Usually, mortgage banks avail funds from the Federal National Mortgage Association, or FNMA, also known as Fannie Mae, the Federal Home Loan Mortgage Corporation, or FHLMC, also known as Freddie Mac, or any other large companies that service mortgages, which are related to the secondary mortgage market. Here are a few pointers about the nitty-gritty of mortgage banking. * MORTGAGE BANK SPECIALIZE IN MORTGAGE LOANS: – Unlike a savings bank that is federally chartered, in general mortgage banks specialize in only providing mortgage loans.Hence, customers do not deposit their money in these banks. As has been mentioned above, the secondary wholesale market is their primary source of funds. Freddie Mac and Fannie Mae are examples of the lenders in the secondary market. * MORTGAGE BANKS DIFFER IN SIZE: – While some mortgage banks can be nationwide, others can originate a volume of loan that can exceed that of a commercial bank that is nationwide. Many of these mortgage banks utilize specialty servicers like Real T ime Resolutions to carry out tasks like fraud detection work and repurchase. MORTGAGE BANKS HAVE TO SOURCES OF RAVENUE: – The two main sources of income are from loan servicing fees (if they are into loan sevicing0, and fees from loan origination. Mortgage bankers, by and large, are choosing not to service the loans they have originated. That is because they are entitled to earn a service-released premium by selling them soon after the mortgage loans are closed and funded. The investor in the secondary market that purchases the loan has the ability of earning revenue for providing servicing of the loan every month the borrower keeps the loan. DEFFERENT BANKING LAW APPLY TO MARTGAGE BANK: – Mortgage banks usually operate under banking laws that are quite different, according to the state they operate in. You will need to check each individual state’s financial department or state banking in order to get list of mortgage bankers in each state. While federal laws a pply to the operation of a federal bank, in terms of consumer protection, usually consumers have additional rights, which are applicable according to each state. * MORTGAGE BANKERS CAN BE MORE COMPETITIVE: –Since they only specialize in lending and do not have to subsidize any of the losses that other departments may have incurred, as in regular banking, mortgage bankers have the ability of being really competitive when lending for mortgage. However, they usually do not have the advantage of accessing adjustable rate mortgages that are low cost, which federal banks are typically associated with, and federal money access. * A CAREER IN MORTGAGE BANKING: – Professionals in mortgage banking in the job market today need to have a college degree in business or finance, or some specific experience or training related to the field.Skills in good customer service, an inherent ability with numbers, and computer skills are also essential requirements for mortgage banking jobs. A mortgage banking professional’s job involves reviewing credit scores, determining the kind of loan that is most beneficial for the customer and guiding them through the process of application as well as closing. The loan officer has to be very organized and detail oriented, and need to be able to handle the large amounts of paperwork and reporting that are required for getting loans approved, up to the closing.A mortgage banking professional also has to have thorough know-how about the regulations associated with federal mortgage as well as the various types. KYN (KNOW YOUR CUSTOMER) As per KYC guideline the RBI has advised banks to follow KYC guidelines of RBI mandates banks to collect three proofs from their customers they are 1 Photograph 2 Proof of Identity 3 Proof of address Accordingly, Axis bank has framed its KYC procedure according to which, a photograph and documentary proof of personal identification and address proof are required t be provided.The account Opening form provides the nature of documents required / procedure to be followed for opening a new account. You may also log in to our website www. axisbank. com for such information which is displayed product-wise. ORGANIZATION STRUCTURE OF AXIS BANK SAVING ACCOUNT INFORMATION Definition: A deposit account at a bank or savings and loan which pays interest, but cannot be withdrawn by check writing. * TYPE OF SAVING ACCOUNT IN AXIS BANKING * * ZERO BALANCE SAVING ACCOUNT: – At Axis Bank it has been constant endeavor to create products specifically catering to your needs.The account while offering a whole range of services also addresses your latent need of having an account without the hassle of maintaining an average quarterly balance. * FEATURES: – 1. No Average Quarterly Balance requirement 2. Free International Debit Card with an Accidental Insurance cover up to Rs. 2 lakhs* (charges for the primary holder are waived) 3. Free mobile banking facility 4. Access through more than 825 branches and more than 3595 ATMs 5. At-Par cheque facility with the clearing limit of Rs 50,000 6. 24Ãâ€"7 Tele banking & Internet banking . Free quarterly statements 8. Free monthly e-statement * CONDITION APPLY: – 1. Initial funding of Rs. 5,500. 2. Account maintenance fee of Rs. 500 per annum * KRISHI SAVING ACCOUNT (KHETI HO KHUSHAHALI KI): – Axis Bank offers a unique savings account which is easy to operate and allows you to transact immediately. This product has been specially designed keeping in mind the unique requirements of a farmer and true to its nature has been called the Krishi Savings Account. Some of the features of our new product are: * AVERAGE BALANCE REQUIREMENT: –This account is offered with the requirement of maintaining the half-yearly average balance of Rs 1000 only. * INTERNATIONAL MASTER DEBIT CARD: – The Krishi Savings Account entitles you to an International Master Debit Card with which you can access your account an ytime through the Axis Bank ATM network free of cost. This card comes with a cash withdrawal limit of Rs 25,000 per day. Free Accident Insurance cover of Rs 2 lacks. * ANYWHERE BANKING: – Being a Krishi account holder, you are entitled to access our wide network of more than 825 branches and 3595 ATMs across 440 cities.You can now easily carry out your transactions through any of the branches or ATMs. * AT PER CHEQUE BOOK: – Your Krishi Savings Account comes with the At-Par Cheque facility. This facility enables you to en cash the cheques as local instruments at any of the 440 centers where the Bank has its presence, at no extra cost. Moreover, you can also issue cheques at other centers up to the limit of Rs 50,000. * EASSY ACCES SAVING ACCOUNT(BANKING MADE EASY): – * A :Accessibility * C :Convenience * C :Comfort * E :Earnings * S :Speed * S :Service Want a savings account that transcends geographical boundaries?Presenting, Axis Bank's Easy Access Savings Acco unt. The account is an endeavor by the Bank to understand the consumers' needs and redefine banking to suit your requirements for a truly comfortable banking experience. Easy Access Savings Account gives you instant access to your money anywhere, anytime. Possessing a range of unmatched features, it has been devised to better suit the convenience of our eclectic client base. You can avail of all these services with a minimum quarterly average balance of Rs. 5,000 in metro or urban centers, Rs. ,500 in semi urban centers and Rs. 1,000 in rural centers. * At-par cheque * ATM Network * Anywhere Banking * Tele banking * iConnect * Mobile Banking * Quarterly account statement * Quarterly interest @ 3. 5 % per annum * Free monthly e-statement. You can avail of all these services with a minimum quarterly average balance of Rs. 5,000 in metro or urban centers, Rs. 2,500 in semi urban centers and Rs. 1,000 in rural centers. * CORPORATE SALARY ACCOUNT: – Our Corporate Salary Power Offe ring is designed to offer payroll solutions through in a 24 X 7 environment.We leverage on our extensive network of distribution channels spread across 450 centers through a network of more than 827 branches and 3595 ATMs besides our superior service delivery model and product features, as a strong differentiator, to provide value to the end user. * BENEFIT TO EMPLOYERS: – * Efficient salary disbursal. Web Upload – Transfer salaries/reimbursements directly from your current account with Axis Bank to your employee's accounts using I Connect from your office. * Single-instruction salary credit – Same day salary credits for all companies having Corporate Account with Axis Bank.Dedicated Relationship Manager at metro locations to understand the financial requirements of your employees. * BENEFIT TO EMPLOYEES: – * No minimum balance criteria. * Unparalleled Access – Anywhere banking facility through our network of Branches, ATM and Internet banking faci lity. * AT Par cheque books payable locally at all Axis Bank locations. * International Debit cum ATM cards with enhanced Cash withdrawal facility and other value add ones. * Online Banking with funds transfer, online shopping and bill payment options. * Depository services with free online trading accounts. Meal Cards on a master card platform. * Employee Reimbursement accounts as a savings account variant. Preferential pricing on loan products and credit cards and other banking products ; services. CURRENT ACCOUNT INFORMATION * CHANNEL ONE: (FOR SUCCESSFUL BUSINESSES) The ‘Channel One’ Current Account is an effort in that direction where we take care of your day to day banking requirements leaving you with more time for your business. Channel One Current Account is most appropriate choice of successful businesses. At a monthly Average Balance (MAB) of Rs. 10 lacks. FEATURES: 1.Relationship Manager 2. Doorstep Banking 3. Anywhere Banking 4. Free Internet Banking 5. Fre e 24 hour Tele banking 6. Mobile Banking Service 7. International debit card 8. cheque Protection Facility 9. Free 24 – hour cheque deposit facility 10. Payment of Government Taxes/ Dues 11. Foreign exchange services. * ZERO HASSLE BALANCE Small businesses rising on the growth graph need the right of nurturing and appropriate solution for their growing banking requirements. Recognizing these needs, Axis Bank present you the Local Current Account geared to answer all kinds of local business requirements.At a monthly Average Balance (MAB) of Rs. Nil. FEATURES: 1. Zero Balance facility 2. 75 free transactions every month 3. Rebate on Annual Charges 4. Up front Annual Fee 5. Mobile Banking 6. ATM cum International Debit Card 7. Free Internet Banking 8. Tele banking 9. Free Monthly Account Statement * BUILDERS AND REAL ESTATE Axis Bank understands the increasing demands on businesses in this segment . Here’s presenting the Axis Bank Builder ; Real Estate Current Account a c urrent account with unparalleled product features built to suit Builders ; Realtors exclusively.This account offers you unmatched convenience while adding financial value to your businesses spread over geographies. . At a monthly Average Balance (MAB) of Rs. 5 Lacks this account comes loaded with special facilities and benefits, most appropriate for your business. FEATURES: 1. Home Branch Cash Deposit 2. Non – Home Branch Cash Withdrawal 3. Free Anywhere Banking 4. Cluster facility 5. Zero Balance account for Vendors and Suppliers 6. Franking Facility 7. Customer cheque printing 8. Internet Banking 9. Free 24-hour Phone banking 0. Mobile Alerts 11. ATM cum Debit Card 12. Free Monthly Account Statement TRAINING AND WHOLE BANKING OPERATIONS * CORPORATES Corporate Banking reflects Axis Bank's strengths in providing our corporate clients in India, a wide array of commercial, transactional and electronic banking products. We achieve this through innovative product development and a well-integrated approach to relationship management. * Funded Services: Working Capital Finance, Bill Discounting, Export Credit, Short Term Finance, Structured Finance, Term Lending. Non Funded Services: Letter of Credit, Collection of Documents, Bank Guarantees. * Value Added Services: Syndication Services , Real Time Gross Settlement, Cash Management Services, Corporate Salary Accounts, Reimbursement Account, Bankers to Right/Public Issue, Forex Desk, Money Market Desk, Derivatives Desk, Employees Trusts, Cash Surplus Corporate, Tax Collection. * Internet Banking: Supply Chain Management, Corporate Internet Banking. SMALL AND MEDIUM ENTERPRISES At Axis Bank we understand how much of hard work goes into establishing a successful SME.We also understand that your business is anything but â€Å"small† and as demanding as ever. And as your business expands and enters new territories and markets, you need to keep pace with the growing requests that come in, which may lead to purchasing new, or updating existing plant and equipment, or employing new staff to cope with the demand. That's why we at Axis Bank have assembled products, services, resources and expert advice to help ensure that your business excels.Solutions are designed to meet your varying needs. The following links will help you identify your individual needs. Funded Services: Funded Services from Axis Bank are meant to directly bolster the day-to-day working of a small and a medium business enterprise. From working capital finance to credit substitutes; from export credit to construction equipment loan we cater to virtually every business requirement of an SME. Click on the services below that best define your needs Non-Funded Services: Under Non-Funded services Axis Bank offers solutions that act as a catalyst to propel your business.Imagine a situation where you have a letter of credit and need finance against the same or you have a tender and you need to equip yourself with a guarantee i n order to go ahead. This is exactly where we can help you so that you don't face any roadblocks when it comes to your business. The following are the services that will precisely tell you what we can do Business Accounts, Letters of Credit, Collection of Documents, Axis Bank Trade, Guarantees, Cash Management Services, Money Market Desk, Derivatives Desk, Services to Cash Surplus Corporate, Services to Employee Trusts, Bankers to Rights/Public Issue, Tax Collection.Specialized Services: Axis Bank is one of the most trusted entities when it comes to specialized services like selling of precious metals to customers. Under specialized services you can also avail customized control of your value chain through our internet banking platform. Value Added Services: There is a plethora of services that we offer under value added services. There's corporate salary account which ensures smooth payment methods to your staff. You can avail an assortment of credit cards and debit cards from our merchant services.The following are the highlights of this service: Real Time Gross Settlement, Reimbursement Account, Custody Services, Corporate Salary Accounts, Merchant Services, Axis Bank Gold Business Credit Card. Internet Banking: Internet banking is a revolutionary service under the banking sector and Axis Bank is a forerunner in providing you with this service. We provide state-of-the-art payment gateway services to industries and companies in order to ease transaction processing. This in turn enhances the credibility of your business and makes banking extremely cost-efficient.GOVERNMENT SECTOR: Axis Bank acts as an active medium between the government and the customers by means of various services. These services include : * Tax Collection wherein customers can directly pay their taxes like Direct taxes, Indirect taxes and Sales Tax collections at their local Axis Bank * E-Ticketing – Helps the customer by providing him a direct access to book a Railway Ticket onli ne and get it home delivered * * Opening of L/C's is done by the bank on behalf of Government of India, Mints and Presses, thus facilitating imports for the Government. Collection of levies and taxes on behalf of Municipal Corporations i. e. Kalyan -Dombivli Municipal Corporation, is undertaken by the Bank. * Disbursement of Pension to retired Employees of Central Govt and Defense is directly done by Axis Bank along with the disbursement of pension to the members of EPFO (Employees Provident Fund Organization) * Electronic Collection of fees on behalf of DGFT is done by the bank too * Ministry of Corporate Affairs – Collection of ROC fees for the Ministry through authorized Branches and Net Banking.Collection of Property Tax through Selected Branches on behalf of Municipal Corporation of Delhi. FINDINGS AND SUGGESTIONS * FINDINGS: – 1. Bank is having 853 branches all over the country. 2. The number of branches should be increased. * SUGGESTIONS:- 1. Number of Branches should be increased covering a wider area in various states. 2. A wide publicity to be given about the organization and its products through various means of communications to keep growth moments. 3. More number of training and educational programmers’ should be included in Banks schedule. . Developing a learning culture through continuous learning process. COMPETETIORS * ICICI Bank Ltd. * HDFC Bank Ltd. * State Bank of India * HSBC Bank * RBS (Royal Bank of Scotland) * Maharashtra Bank of India * Canara Bank * Andhra Bank * IDBI bank * Bank of India * Punjab National Bank * Central Bank * Allahabad Bank * ING Vysya * Centurion Bank CONCLUSION Axis bank has developed manifold in short period of time due to facilities and services provided to their customer and this growth rate can be keep it up if they start to go in semi-urban areas.In last couple of years they have opened new many branches and they should open many more. The working staffs are very co-operative in nature an d due to that the bank will also get good benefit. Axis Bank has provided their customer Net-banking facilities and due to that transactions are done fast. Charges at Axis Bank are on lower side when we compare it with other Banks BIBLIOGRAPHY SR. NO. | REFERENCE| 1| * A New Beginning : The Turnaround Story Of Indian Bank| 2| * Bank Marketing : Concepts And Applications| | Banking And Finance| 4| Banking Developments in India| 5| Basics of Banking| 6| Bank leaflet and Boucher| 7| Internet| CONTENTS * INTRODUCTION TO AXIS BANK * HISTORY OF AXIS BANK * MANAGEMENT OF AXIS BANK * DEFINITION OF BANK * PRODUCT OF AXIS BANK * CUSTOMER SERVICE IN BANKING OPERATION * TRADITIONAL BANKING ACTIVITIES * ACCOUNTIG FOR BANK ACCOUNT * ECONOMIC FUNCTION * BANKING CHANNELS * TYPES OF INVESTMENT BANK * MORTGAGE BANKING * ORGANISATION STRUCTURE * FINDINGS AND SUGGETIONS * COMPETETIORS * CONCLUSION * BIBLIOGRAPHY

Animal Farm-Power Corrpts Essay

Animal Farm is an allegorical novel about the Russian Revolution and the resulting political system of the Soviet Union. Through this story which appears to be a simple fable on the surface, we see George Orwell’s beliefs about the nature of power and its seemingly inevitable corruption of noble ideas. Educated authority figures in the book bend the principles of communism to suit their own selfish needs and desires, all the while taking advantage of the uneducated masses, and easily manipulated them through propaganda and persuasion. Through this allegory of communism turned to totalitarianism, Orwell explores the dangers of a political system where leaders have no sense of social responsibility toward their subjects. The first instance of corruption among the ruling class appears shortly after the revolution. The pigs, the new rulers of Animal Farm after the ousting of the tyrant farmer Jones, milk the cows to relieve them from of their discomfort. The animals, remembering how Jones would mix some of the milk into their mash, look forward to at least similar treatment from the pigs. However, the milk soon disappears and it is discovered later that the pigs have mixed it into their own mash without sharing it with the other animals, just as the windfall apples have been consumed exclusively by the pigs. Squealer, the political propagandist for the pigs, justifies this to the other animals by saying that the pigs need the extra brain energy, and then bolsters his argument with some fear mongering: â€Å" Do you know what would happen if w pigs failed in our duty? Jones would be back!† (32). The fact that this incident occurs so quickly after the revolution and at a time when all of the pigs are still present on the farm shows Orwell’s belief that the corruption is not only inevitable in a society where the ruling sector of the population is so much better educated than the rest, but that all of these members of the ruling class were potentially corruptible. As the story moves on Orwell shows us how power is corrupting more. Another of the major instance that occurs after the milk and apples is the ruling class moving in the farmhouse. As the commandment says no animal shall sleep in a bed. Some of the other animals were confused but as usual squealer came with his propaganda.

Assignment Example | Topics and Well Written Essays - 250 words - 242

Assignment Example investigation before discipline, proof of guilt, reasonable penalty, absence of discrimination, and fair investigation imply that an employee may have been wrongly terminated. 3. The Fair Labor Standard Act describes two categories of employees; exempt and non-exempt. According to the legislation, exempt employees are not governed by this act and must be paid a fixed salary and meet certain criteria in relation to the job content. Non-exempt employees are covered by the act and are entitle to overtime pay. 4. Job evaluation refers to the process of determining the relative worth of one job to another. Performance evaluation refers to a process of determining, documenting, and evaluating and employee’s job performance. 5. The Lead policy ascribes to an organization’s pay structure that is set to remain ahead of the market for an annum. The match policy sets an organization compensation structure to bare similarity to that of the market. The lag policy sets the pay structure of an organization behind that of its market competitors. 9. Training focuses on the current job while development focuses on current and future jobs at the organization. Training has a shorter time frame compared to development in that it is immediate while development takes on a long term time frame. The scope of training aims at individual employees while development targets at the work group organization. The goal of training is at fixing a current skill deficit among employees while development prepares employees for future work demands. An example of training is onboarding where freshly hired management level employees are imparted with skills to perform the immediate tasks placed on them. An example of a development program for employees is off-site training where employees get to attend seminars and course offered outside the organization, which can assist them to come up with creative solutions towards ongoing

Developing Artificial Intelligence Essay Example | Topics and Well Written Essays - 1500 words

Developing Artificial Intelligence - Essay Example This is because it is yet unclear as to what comprises a human being’s thoughts, and what is the driving force behind his/her intelligence. Is it a manifestation of the immortal soul or is it just a complex network of nerves comprising the nervous system? To create an intelligent machine or a computer, it is necessary to grant it with thinking capabilities that are at par with humans. If such an intelligent machine is ever created, how can we test whether it can think on its own? How can it be certified as Artificial Intelligence? Alan Mathison Turing, a computer analyst, mathematician and cryptoanalyst, provided a simple solution to this problem. In a paper published in the Journal Mind, in 1950, Turing suggests that rather than creating complications by using the word â€Å"think†, defining it, or asking whether machines can â€Å"think†, it is easier to develop a task that requires thinking, and testing whether a machine can succeed in that task. Alan   Math ison   Turing,   a   computer   analyst,   mathematician   and   cryptoanalyst,   provided   a   simple   solution   to   this   problem.   In   a   paper   published   in   the   Journal   Mind,   in   1950,   Turing   suggests   that   rather   than   creating   complications   by   using   the   word   â€Å"think†,   defining   it,   or   asking   whether   machines.... Turing put forth the idea that machines could be devised to think and be capable of â€Å"rivaling human intelligence†. He writes: The original question, "Can machines think?" I believe to be too meaningless to deserve discussion. Nevertheless I believe that at the end of the century the use of words and general educated opinion will have altered so much that one will be able to speak of machines thinking without expecting to be contradicted (p. 440). This idea was revolutionary and contrary to the popular notions and beliefs of his time (â€Å"The Alan Turing Internet Scrapbook†). Turing suggested an imitation game that could be used to test whether a computer is as intelligent as a human being. The directions of the game are as follows: A human and a machine, labeled ‘X’ and ‘Y’ are placed in separate rooms. Another human, who is the judge/interrogator/observer, is placed in another room and is unaware of who is in which room. He only knows t he human and the machine by the labels, ‘X’ and ‘Y’. The judge/interrogator will have to find out who is the human and who is the machine based on the responses he gets from both, the human and the machine. The machine will try to make the judge conclude that the other human is the machine. The human will try to help the judge in identifying the machine (Turing, 1950). In simple words, a computer and a human should be placed in two separate rooms and should communicate through textual messages with a third human, who is the judge or the observer. The judge would interrogate both, the human and the machine. The judge will then decide who is in which room. If the judge fails to make the right judgment and fails to distinguish between the human and the machine, the machine is said to be successful and will have

Exploring Parent's Attitudes Towards Learning Through Play in the Essay

Exploring Parent's Attitudes Towards Learning Through Play in the Foundation Stage - Essay Example To consider how learning through play is measured at foundation stage. Rationale of the Study Play comes very naturally to children. From the time they are infants, play is already an activity that they engage in to learn about their world. As they grow, they discover more about the world around them through play. They use their senses to explore objects and learn about cause and effects when they manipulate such objects (Brewer, 2001). Macintyre (2003) asserts that young children learn better in play-like settings. Concepts are retained better when learned in an easy, relaxed and fun atmosphere that does not pressure children to perform in ways that stress them to achieve. Macintyre (2003) continues to endorse the value of play in all the developmental areas of children. Parents recognize the value of play but sometimes get confused about its function in children’s learning (Moyles, 1989). Developments in education point to the benefits of collaboration between the home envir onment and the school in the facilitation of children’s growth, learning and development. Wood (2004) argues that the Government endorses literacy and numeracy strategies that make use of play especially in the early years. The fact that parents are expected to take part in their children’s learning may press parents to seriously consider the advantages and disadvantages of play. Wiltshire (2002) claims that parents question what the Early Years Foundation Stage (EYFS) has to offer to their children as it is heavily play based. If the parents’ view is that play is merely for entertainment and social purposes, then it is doubtful that parents will become fully involved as partners in their children’s education. Piaget argued that ‘play’ is often neglected by adults because it has no significant function  (Piaget and Inhelder, 1969).   Brierley (1987) also points out that as adults, if a task is easy or unimportant, people refer to it as â €˜child’s play’ which reinforces the idea that play is not challenging. Parents are seen as partners in their children’s education, so it is worthwhile to study how they view this role as parents of very young children who constantly engage in play as a form of enjoyment. Becoming aware that play may be used in the educational setting for learning as well as enjoyment may confuse parents as to the role play is given in the foundation stage. This study will investigate if parents believe that learning may be derived from play and if they actively endorse this belief at home. Literature Review Play and Children’s development The subject of play has attracted many scholars to study its process and how it benefits people. Holland (2003) studied heuristic play or the exploratory play of infants and toddlers and confirmed that play is used by children to investigate how things work, how people react, etc. Toys and other objects are explored freely by toddler s and they then observe what such things can or cannot do. In contrast to educational materials, which are designed by adults to expect certain responses from children, objects that encourage free play in the heuristic sense stimulate the child’s thinking, develop creativity and open the imagination to endless possibilities of transforming ordinary objects into various things with various functions (Holland, 2003). Much research has been done on play and its benefits to children’

The Age of Enlightment Essay Example | Topics and Well Written Essays - 750 words

The Age of Enlightment - Essay Example The history reveals that Britain remained the most flourishing point for the movement as provided with new, energetic and leading views at that time. The independence, susceptibility to change and flexibility of Britain helped in the development of this movement from a small struggle to a more powerful and unite movement of great thinkers of that era. The key enlightenment figures, which Porter discusses about the most, are Locke, Newton and Hume. The other leading figures which influenced the thoughts and perceptions of people of their times involved Kant, Hobbes, Arouet, Rosseau, Wollstonecraft and so on. The goal of the Enlightenment thinkers was to help people in developing the ideas which were reasonable and logical although new and completely different from the older ones. Their aim was to change the human beings’ current state in order to make the world a better place for whole of the humanity rather than certain groups. They believed more in reason than in beliefs and concepts which were adopted from predecessors or current society. They emphasized on reasoning and rejected the older norms of superstition and emotional thoughts. They proposed intellectual understanding and concept of modern sciences to expose certain realities about life, world and nature. They proposed to sue science and logical modern ideas to solve issues and influence the nature. They offered to increase human wealth using scientifically rich ideas but not to compromise humanity for the sake of increasing wealth and gaining power. They emphasized on the goodness of men rather than superstitious ideas about the bad instincts. The Enlightenment thinkers emphasized, greatly on the power of individuals. They developed and strengthened the concept of individuality as a way out to their limited life circle. They provided with a concept of a person as a powerful figure of society rather than groups relying on each other without any personal opinion or efforts placed in order to chan ge their present and future life. The emphasized on public discussions and called for actions which were strong as per the reasons supporting them. The Enlightenment thinkers were greatly opposed and criticized for years. Their philosophies and ideas were opposed by romantics of the era as they felt that their ideas were against humanity or moral values of unity. Another distinct feature of the Enlightenment thinkers was their views on religion. Their concept of God was different in a fashion that He created a masterpiece in the shape of the universe but they do not believe in any further changes or miracles from Him anymore. According to their view, God has created the world and left it on us to understand it, make changes for the rest of the time we stay here. There are many veiled secrets in the universe which human beings are created to find out and make this world a better place for their lives. Their religious views diverted towards finding the reasons behind everything in the world. Their faith lies in the fact that everything in this world is created for a reason and human being can discover those reasons by struggles and new ideas. Their belief is that human beings can find out ways to understand the nature and change the course of humanity by continuous struggle, careful assessment and an enthusiasm for a change. Newton’s strive led to the discovery of Laws of physics and the

Fundamental Concepts What is ethics What is morality Are they one and Coursework

Fundamental Concepts What is ethics What is morality Are they one and the same - Coursework Example Morality traces its origin to a Latin word â€Å"moralis† which translates to â€Å"custom†. Morality guides individuals in coming up with ethics in societies. In addition, morality is concerned with individual judgment and conduct. Morality influences behavior and character of individuals in a society (Mizzoni, 2009). Morality and ethics mean values within a society’s context. Religion and other forms of faith guide morality for the most part, while for ethics, it is multifaceted and based on ideologies. In addition, what a society considers moral in some cases can be contrary to personal values. In studying morality, ethics guides in knowing what constitutes morals. Ethics and morals both promote social justice, with their foundation on the principles of equity. Ethics and morality when adhered to, enhances fairness in a society (Mizzoni, 2009). Ethics guides administrators in instilling virtues that promote morality within institutions. Policies and rules based on the morals promote achievements in institutions (Mizzoni, 2009). In administration, standard codes of practice by the management allows for flexibility in the morals applied. Concepts of Libertarianism and liberalism in the administrative context ensure peace and stability. Libertarianism is much concerned with ideology where authorities have limited control over their people. In Libertarianism, each one expects mutual benefits as a duty and obligation of the authorities. People attain social justice using ethics in administrative systems. Libertarianism is more moderate when instilling ethics as compared to liberalism. In administration, liberalism aims at individual freedom while libertarianism targets masses and general family values (Mizzoni, 2009). In Liberalism, individuals are free to choose their own ethical code for behavior. However, it insists on some form of regulation to harmonize differences on human

African Americans Term Paper Example | Topics and Well Written Essays - 1000 words

African Americans - Term Paper Example Harriet Tubman was a strong African-American woman born in servitude. Both of her parents toiled as slaves in Maryland. During her development, she endured a harsh life as she was subjected to whipping from a tender age. When she entered into adulthood, she realized that she could be sold as a slave as it was a norm at that time (Siebert, & Hart, 2006). Therefore, in 1849 she decided to escape to Philadelphia with the assistance of an abolitionist. During that period, there were few white people who were against slavery and they helped to free slaves. Harriet was handed a note by her abolitionist neighbor that contained two names that would direct her to a safe place. Harriet was joined by other blacks and went to Subversive Railroad, which were houses. After her escape, she met with other abolitionists whom they planned on how to free other slaves who were left behind. Due to her resilient in fighting slavery, Harriet became the leading abolitionist before the civil war (Lillian, n.d.). The particular event by Harriet was significant in America as it showed her resilience to free other slaves. Her character also gave hope to slaves as they felt that they had a person to fight for them and also keep them safe. In 1877, America witnessed the first person of color ever to graduate in the military academy in the country’s history. Henry Ossian, who was born in slavery, made history by being the first person of color to graduate from West point. During his years in the academy, he never had any contact with a white cadet. The Academy was the preliminary military school to be established in the US. The primary reason the military school was built was to educate and train young men theory and practice of military science. Before Henry was admitted to the military school, there was another black American named James Webster. Although, James was admitted to the military school he never graduated. However, Henry endured all

Contempory social care Essay Example | Topics and Well Written Essays - 1750 words

Contempory social care - Essay Example more major life activities including self-care, language, learning, mobility, self-direction, capacity for independent living, and/or economic self-sufficiency â€Å" (Federal Developmental Disabilities Act of 1984). Professionals from a wide variety of fields and disciplines devote much time and energy in helping these children live comfortable and fulfilling lives with the end view of mainstreaming them into society and the real world. Educators, therapists, psychologists, speech pathologists, physicians, social workers and even government officials join hands in the care and education of these children to ensure their optimum growth and development. â€Å"When a child/adolescent with a preexisting disability is separated from the parent/family and enters the child welfare system, already established medical and educational services for the child are often put on hold until placement is secured, records are gathered, and services with new providers are initiated in the geographical area of the placement. The child welfare worker, therefore, has a key role in identifying and accessing appropriate services for children/adolescents with disabilities and their families (biological and foster) within the child welfare system and in the medical and educational systems. To maintain children with disabilities in family and community settings, supportive, developmental, and therapeutic services must be provided to this population of children and to their biological, foster, and adoptive families† (Hughes & Rycus, 1998). Children with disabilities often need medical attention. Hospitals offer multidisciplinary approaches to therapy. Aside from the usual pediatric consultation for the disability, a host of therapists – physiotherapists, occupational therapists, speech pathologists, etc. are also available to help out. For a significant number of disabled children, â€Å"hospital admissions can be frequent and prolonged. Their needs bring many additional challenges to the

Team, Groups and Diversity In the Workplace Essay

Team, Groups and Diversity In the Workplace - Essay Example Back in the old days, the big players were top management; however, business structures have changed placing emphasis on the crucial role of business units known as â€Å"teams† or groups†. Although we often hear these two words used interchangeably, it would be best for any leader to know the significant difference between the two. Group or Team: Why It Matters The most common definition of a group given by social scientists is that it is composed of two or more people that have social interaction which seems quite simple. So two or three people stranded in an elevator is already considered a group. However, Katzenbach and Smith (1993) defined group as â€Å" two or more people who interact primarily to share information, best practices, or perspectives and to make decisions to help each individual perform within his or her area of responsibility† ( qtd. from Kane,1998). There is no need to meet a performance need nor to share accountability, according to the aut hors. They simply have to share experiences and help one another. On the other hand, aâ€Å"  team is a group of people coming together interdependently and cooperatively by accomplishing a purpose and goal. We know that working in a team, they will be conflicts, but assisting each other, we can build a firm team. ( De Janasz-Dowd-Schneider, 2005,Pg.187)  . The description can be plainly seen in the workings of any athletic team who need to train together for one purpose: win a championship. A small group can become a valuable team to any business unit. Once the team members are collective in their purpose and action, the leader would just steer them in the right direction for success to follow. However, one of the challenges in the work place today is diversity because globalization makes people from different cultures to work together. It is expected that conflicts would arise because people have different opinions on a certain issue. Challenges To A Team Hofstede’s st atement is clear â€Å"Culture is more often a source of conflict than of synergy. Cultural differences are a nuisance at best and often a disaster†. A diverse workplace presents different cultures which cannot be avoided. Culture is inherent in a society, and that culture affects and influences the way that particular society conducts its business (Henry, 1999). Nonetheless, even teams composed of one nationality would always have conflicts because humans have different beliefs. Katzenbach and Smith (1993), write in an article titled, The discipline of teams, note â€Å"When individuals approach a team situation, especially in a business setting, each has preexisting job assignments as well as strengths and weaknesses reflecting a variety of talents, backgrounds, personalities, and prejudices† (p. 168). Hence, team leaders need to face the challenge of bringing talented people together who may often disagree on a issue. Team leaders can be effective un dealing with co nflicts by helping members cultivate trust and respect to other members of team. A team leader can place guidelines that can help the team achieve its objectives. Instead of criticizing a team member who is not performing well, assistance must be given first to enable that team member cope with the group. The Importance of Diversity While diversity may bring challenges to an organization, particularly to a team, it can also contribute to the success of an organization. First of all, diversity encourages creativity so people in a diverse team can come up with new products and services. Second, having a diverse set of team members would ensure you that your organization is attuned to global customers. Consumers are not only concentrated

Cultural Background Paper Essay Example for Free

Cultural Background Paper Essay The fusion of cultures has been ever growing and I would like to say- being multiracial these days is not a new phenomenon. There are many of us who come from a similar status where we share different ancestors from different cultures. For instance, my own friend has a Hispanic father and an African-American mother. Both the parents come from different cultures and the instances have been increasing. However, I share an Indian background with a Hispanic background. The fusion of the two cultures was unthinkable but I believe it has to happen sometimes that way. The main reason why I believe we have cultural fusions is because of the increased ethnic and racial diversity in the United States of America. It is interesting to note how different parents from different cultures actually bring in their stories and traditions into our lives. I believe it is easy to distinguish characteristic traits from an Indian background and a Hispanic background. There are a few traits that make one easily recognizable and distinguishable from others. Importance to family ties and bonds is extremely crucial. I remember my father (who obviously shares an Indian background, American-Indian) who stressed on the importance of relationships. Grandparents, uncles, aunts and every relative had to be respected and served on their occasional arrival. Indians are particularly fond of spicy food with their own kind of spices which includes lots of chili, cumin powder and other so-called â€Å"masalas† in their food (Gawle, 2003). There is an obligation and responsibility that the Indians exhibit in their mentality which makes them extremely family-oriented. As Jean Bacon in his book, â€Å"Life-lines: Community, Family and Assimilation among Asian Indian Immigrants† states regarding this stance, â€Å"The notion of obligation perhaps encourages members of the second generation to follow the wishes of their parents regarding issues such as educational choices or choices of marriage partners more often than would be the case if this sense of obligation were not present. It was very surprising to me that none of the children in these families ever defied his or her parents desires. No one ever decided to move away and become financially independent in order to pursue his or her own, as opposed to his or her parents, desires. No one took out educational loans to secure the education of his or her choice† (Bacon, 1996). The system of joint-families and extravagant weddings with lots of food and numerous ceremonies is synonymous with them. Their music sense with the sitar and the classics by well-known singers was their favorite. Religion and spiritual obligations were also taken seriously. As Charles A. Moore in his book, â€Å"The Indian Mind: Essentials of Indian philosophy and culture† states regarding Indian culture, â€Å"It is common ground in Indian thought that the adoption of secular means and methods do not lead to freedom or salvation. It may be held that, if we could conquer Nature and fully exploit her resources, we might satisfy all our wants, and as soon as they arise. The modern man in the atomic age with his immense faith in technology is prone to think that the solution lies this way. But wants may still outstrip our ability to satisfy them; a leap-frog race may result. The root problem is left untouched. Technology cannot provide the wisdom and the good will necessary to make a wholesome use of our power. Control over Nature without control over oneself (self-restraint) can lead only to rivalry, domination, conflict, and suicidal warfare. The human problem is basically spiritual; it lies in self-control and self-education† (Moore Morris, 1967). The following quote from the book on the Indian culture shows the immense spirituality in the Indian community and how they try to resolve their problems through the means of self-control. Their religion and their belief in spirituality play a vital role in bringing out these characteristics. My mother who is a Hispanic lady submitted to the Indian culture as they shared a few common ideologies. On the whole, the Indian trait in my family background is dominant. An interesting study was done by Shamita Das Dasgupta on the gender roles and cultural continuity in the Asian Indian Immigrant community in the United States of America where she evaluates the attitude of women and dating in the Indian culture. Her revelation is as follows, â€Å"Where attitude toward women was concerned, there seemed to be great intergenerational similarities between parents and children. The belief in gender equality of both mothers and fathers was positively correlated with that of their children regardless of age. However, mothers egalitarianism seemed to be mitigated by their childrens age. That is, the older their children, the more conservative mothers became regarding womens roles. Since mothers own age was not linked to this relationship, it can only be speculated that as adolescents grew older, their mothers started to experience the pressures of socializing them in traditional gender roles. In the process, they themselves turned toward conservatism† (Dasgupta, 1998). Another interesting trait that can be drawn in the Indian culture is regarding the relationship between a boy and a girl. The Indian culture places an immense importance on the physical chastity. In other words, there is nothing like sex-outside-marriage for them. As Shamita Das Dasgupta in her journal article states, â€Å"Undoubtedly, a reason for instilling inhibitions about dating in girls more than boys is due to Asian Indian parents obsessions with maintaining sexual chastity. Dr. Prasad, a professor of engineering conducting a youth forum in New Jersey, stated, From an Indian Culture point of view, dating involving physical relationships before marriage is not permissible. Segal (1991) notes this fear in Asian Indian parents and believes most Indian immigrants who are not quite familiar with the practice tend to conflate dating with sexual activity† (Dasgupta, 1998). The idea of physical chastity plays an important role in the Indian community and any kind of illicit relationship outside the framework of marriage is taboo for them. It means absolute disgrace on the family if any such kind of an act is indulged by either the boy or the girl. In Hinduism particularly, such girls are exiled from the communities and their family members are disgraced and humiliated to a great extent. My parents value their own cultures and traditions. Though I come from a bi-racial background, my family has most of the Indian traditions in it as my mother had very willingly given herself to the Indian heritage. The freedom stories as well as the Indian history are still known to my father. My father stated in a brief conversation, â€Å"Indian culture imbibes its traditional roots from the Vedas. We have a deep attachment to it and we cannot forget what our country has done for us to bring us so far. Our Indian tradition and culture is our identity to who we are. Indian culture promotes an inner sense of brotherhood and unconditional love- something that I witness lacking in the West but we have a small world of our own here. I still value the Indian norms and I am proud of it as well. I cannot forget the freedom fighters that fought for our beloved country. I believe that is how we are here. I cannot forget the sacrifices given by our country’s soldiers to protect India from foreign invasion. The emotions are far too many to be forgotten†¦Ã¢â‚¬  (John K. Ram Prasad, personal communication, May 15, 2007). John Y. Fenton, in his book entitled, â€Å"Transplanting Religious Traditions: Asian Indians in America† lists some of the important characteristics that are found in the Indians and are most desired to preserve. He lists family as the most important trait and dominant in the Indian culture. Secondly, he states Indian character (pious and chastity) and thirdly, he states religion as the inherent trait amongst Indians. Fourthly, he finds cultural arts and language as important traits in the Indian culture. (Fenton, 1988). There are some hints on the Hispanic culture in my family background as well. Though they are not very dominant, they are worth looking into as the character traits are identifiable in their own way in my family. I believe the reason why it was easy for my Hispanic mother to accept the Indian traditions as her own was because they shared many similarities, one of them being their conservative or traditional lifestyle. Furthermore, the Hispanic culture also places immense emphasis on the family, religion and community (Sutherland, 1997). My father also exhibits similar characteristics as discussed above but he has evolved in some sense. As stated in several literatures above regarding religion, my father keeps his religion in his own personal space and allows his children to make their own decisions (which are very unlikely to happen in a typical Indian culture). Adapting to the American environment came easy on him and adapting to the Indian culture came easy on my mother. I have witnessed many occasions when my father gave his first priority to family and then on building a perfect human character in his children. His children and wife were always his first priority over everything and he made sure they received the best of education and lifestyle. Furthermore, his moral stories enlightened us to be good humans and be of good human character. His teachings also revolved on the aspect to respect our grandparents as well as our great-great-ancestors that he so proudly talks about. Though an American now, his Indian values are still present and he vows to pass it on in every way he can through us and though his grand children, as he says. He still celebrates all the festivals and all the Indian rituals. I have personally witnessed these traits in my family that show that my parents are indeed very knowledgeable about their culture. As we saw above, the traits of the Indians are very dominant in my family and most of them have been discussed and stated as being visible in my family. Yes- the traits have also been found visible in my close Indian relatives as well as grandparents who value their Indian culture and still prefer to eat chapattis, curry, sweets and love Indian music and ghazals (Ghazals are slow Indian songs with Urdu lyrics, sort of a beautiful poetry on subjects like love, life and sadness). Old Indian movies and soap operas still occupy a prominent status in my grandparents’ menu through which they cherish their Indian culture and the traits are obviously noticeable. As my grandmother stated a few days ago, â€Å"We cannot forget where we are from†¦ we cannot forget our land, no matter how long we have lived here. We cherish our cultures through centuries and no matter where we are, we will continue to cherish it till our death and pass it on†¦Ã¢â‚¬  (Jodha Ram Prasad, Personal Communication, May 20, 2007). Racism has been an old tale in the history of United States of America and still continues in different manners with different thinking patterns today. They label people like my parents and grandparents as â€Å"typical stereotypical characters† though they have lived all their life to this country. Personally, I have never had any racist experiences but my relatives who have been here for over three decades did. They had problems getting enrolled into American institutions and they would often be looked down as from the â€Å"third-world countries,† though they hold the American citizenship. My uncle states his story that depicted racism exhibited in his own words, â€Å"I was 18 when I had finished my high school and lived all my life in the United States. Even then, we had our house in such a locality where only immigrants lived. It was difficult for us to buy or rent houses in those locations where whites would live. Once I tried getting a house in a typical white locality and found that they gave me rates that were twice expensive than what they charged the white people. This would eventually force us to buy homes in immigrant localities, hence depicting discrimination. We were discriminated based on where we came from. We would be paid lower than the whites in our era when the fight against racism was still in its beginning stages. It was difficult to get the law in our support either. We were eventually marked as weak and powerless†¦Ã¢â‚¬  (Hardy Lewis Choudhry, Personal communication, May 21, 2007). There are many such stories that we would get to hear. These were not new then and are not new even now (though we have several legislations and agencies protecting us from racism). Our grandparents, parents and relatives have a lot more to say than anyone else as racism was extremely common when they immigrated to United States than it is now. Today, we have our rights protecting us from discrimination and racial profiling (that previously didn’t exist). Even today, as I see, Indians are marked stereotypically as foolish and old-fashioned thinking people. There are quite many things that I have learned about my family’s culture through this research and this includes the Indian philosophy and culture, including the racism stories and several other experiences from my primary care-givers. The American culture that I have blended in and the Indian culture that still persists in my family are poles apart in their philosophies and so are their lifestyles. I have witnessed that the conservative Indian thinking is actually a trait that is passed on and I have seen that the Indian culture values a person by his character. Earlier, my focus was never laid on my family’s culture as we lived the way as every American family would live but it was interesting to note the rich characteristics of Indian culture in my family, including my parents, grandparents as well as relatives who gave a tremendous insight into several notions of the Indian philosophy and Indian traditional values. I believe and I respect the traditional cultural values of my family (earlier to which I was not exposed to) and I have learned how spirituality plays a vital role in the making of a person’s character and mind. On the whole, the experience has been quite enriching as India is truly a country with diverse cultures and an interesting history. I am still reminded about Mahatma Gandhi and the times of the Mughals (ancient rulers of India) by my grandparents which show that the traits still exist in them and they want those traits to prevail in me as well which they hope I will pass on to my progeny too†¦ REFERENCES: Moore, Charles A. , Morris, Aldyth V. (1967). The Indian Mind: Essentials of Indian Philosophy and Culture. East-West Center Press. Page no. 323-389. Dasgupta, Shamita Das (1998). Gender Roles and Cultural Continuity in the Asian Indian Immigrant Community in the U. S. A Journal of Research, Vol. 38, 1998. Bacon, Jean (1996). Life-lines: Community, Family and Assimilation among Asian-Indian Immigrants. Oxford University Press. Page 242. Gawle, Rupa (2003). Ask not what your family can do for you†¦ Is obligation an exclusively Indian trait? India Abroad. Published on the 13th of June, 2003. Retrieved online on the 22nd of May, 2007 at http://www. highbeam. com/doc/1P1-78807655. html John K. Ram Prasad, Personal Communication, May 15, 2007. Fenton, John Y. (1988). Transplanting Religious traditions: Asian Indians in America. Praeger Publishers, Page 201. Sutherland, Jean (1997). Understanding Hispanic/Latino culture and History through the use of Children’s literature. Yale-New Haven Teacher’s Institute. Retrieved online on the 22nd of May, 2007 at http://www. yale. edu/ynhti/curriculum/units/1997/2/97. 02. 06. x. html Jodha Ram Prasad, Personal Communication, May 20, 2007 Hardy Lewis Choudhry, Personal communication, May 21, 2007

The sea of Galilee Essay Example for Free

The sea of Galilee Essay Louis Joseph Watteau’s â€Å"The Storm† is more of a romantic painting while Eugene Delacroix’s â€Å"The sea of Galilee† is more of a neo-classical painting. Let me begin with Watteau’s â€Å"The Storm. † This painting is a romantic work of art because of the general effect that its appearance brings to its onlookers. The storm is not yet present; it is only foreboding of its eventual coming. Half of the portions of the clouds are still filled with some sunny light but the other half was already covered with some dark clouds, signifying the threat of an upcoming storm. Below the clouds, we see some people working, doing some farm work while the weather is still quite good and the storm is not yet pouring. They are maximizing the time doing what needs to be done as perhaps they cannot afford to put off the peasant’s work. Looking more closely at the painting, we will see that what unassumingly takes the center of the canvas is a tree that is slightly tilted and is seemingly bald with the verdure of luscious leaves. The fading light of the sun reflects itself on the awkwardly standing tree, emphasizing its lanky stems and its listless stature. From what we can see on the surface, this painting by Watteau typifies the characteristics of a Romantic painting and the moods of the Romantic Movement in general. The Romantic Ideal frolics and jubilates on the meadows of individualism, emotions and nature. It also promotes the subjective moods of the individuals and the eschewal of reason in favor of intuition and imagination. The Romantic Movement, whether in literature or visual arts, is said to have three primary cults: the cult of the individual, the cult of emotion and the cult of nature. It is a reaction towards the rapid rise of Science which espoused rational and utilitarian thinking. Specifically, it stemmed from the abrupt social change which was trail blazed by the French Revolution and the Napoleonic Wars. The movement called for a retreat towards nature to regain the loss substance of humanity which was caused by the arrival of machines and other technologies. The Romantic also looks into the human nature – the human tendencies and behaviors and his reactions towards his surroundings. While science tried hard to explain the origins of things and the rationale of their existence, the Romantics focused on man’s experience and his engagement with the world where he resides. The Romantic also probes the folk culture, the national and ethnic origins, the exotic, the occult and the diseased – the areas which Science and rational thinking consciously chose to avoid. In â€Å"The storm,† we can notice that the focus is not on the people but on the images of nature – the awkwardly standing tree and the clouds. There is an element of being diseased in the people, as they were toiling hard for their livelihood. However, this element was put into the background as we were more primarily led to notice the bleak image of nature. Despite the threats of an upcoming storm, as visualized in the appearance of the clouds, the people keep on working. The striving of the people only depicts the endless struggle between the intention to achieve perfection and the limitations of man. Even though the people know that a storm is forthcoming, they do not stop from working until it arrives. The cult of nature is likewise evident. In this insular setting, we can see nature stripped off extravagant portrayals. This is nature at its barest form. There were not so many colors; in fact the hues of brown and orange were the dominant hues in this picture. The painting limns nature as it is, without exaggerations and attempts to be swanky. Meanwhile, â€Å"Sea of Galilee† is a Neoclassical painting as looking at it will likely bring into mind the paintings of the Classical times. It is reminiscent of the visual arts existent during the times of Ancient Greeks and Romans. What we can see in this work of Delacroix is a dark background and a seemingly fragmented landscape. The group of people riding the ship was marked by a sense of defeat as the ship was faltering against the ravaging weather. The sails are beginning to get shattered as it travels below the dark clouds and above the dark grey ocean. The people in the ship are trying their best to save themselves and the ship they are riding. Obviously, they were facing a tough situation and in order to triumph, an earnest, concerted effort must be put. The neoclassical painting goes back to the lost luminescence of the Classical paintings during the Ancient civilization. It incorporates every element that can be possibly used to recast the Classical. They reused the Classical styles, recalled the Classical themes and reinterpreted the Classical subjects. By doing that, they lead in pushing forth the resurgence of the loss tradition and rendering them in slightly new, and better forms. With the advances in techniques and artistic devices, the Neoclassical extends the Classical by attempting to render their arts and make their interpretations of their subjects in a more accurate manner. Majority of these subjects have references to history and mythology. As we can see in this dominantly dark painting, there is much emphasis on the quality of lines that the elements of color and atmosphere were quite downplayed. It also has a tendency to appear as simplistic as possible. We can see the elements of the people, the straggling ship with its breaking sails and the dark sea. With just three elements incorporated in the painting, it was able to convey a strong idea – man’s being caught in the thick of a wide adventure that is life and encountering tough challenges where a mettlesome character is needed to attain victory. References Antal, Frederick. (1966). Classicism and romanticism: with other studies in art history. London : Routledge Irwin, David G. (1966). English neoclassical art: studies in inspiration and taste. London: Faber. Sypher, Wylie, ed. (1963). Art history: an anthology of modern criticism. New York: Vintage Books.

How American Civil War Was Inevitable History Essay

How American Civil War Was Inevitable History Essay The American civil war was the largest ever armed conflict to occur on Americas soil and it occurred in between the years of 1861 to 1865. It was deadly and arguably the most important event in the nations history. Sections entrenched in the constitution of the united sates Catapulted tension between the northern and the southern states leading to a brutal war. Slavery was a root cause of the conflict. This war increased Americas economic dominance until it overtook all the other countries of the world. It also lead the country into having a strong constitution that made Americans to be part of a single nation instead of a corporate made up of different states with their own rules and institutions. The war indeed changed the way Americans viewed their own nation seeing it as one nation. After the war every part of Americas national fabric changed; from the role of the federal government to the status of African Americans. The war was triggered by the victory of Abraham Lincoln in the elections of 1860.  [1]   Factors That Made the Civil War Irrepressible In these elections, the Republican Party led by Lincoln won, beating three other candidates. The southerners did not vote for him so his victory was seen as a northern affair. His speech, given in 1858, stated that, a divided house cannot stand and visualized that America can not endure a half-slave and half-free. This clearly showed that he was a moderate and was therefore not up to task, in the views of the southerners, to be able to tackle the abolitionist they perceived as a threat.  [2]  He countered this by stating he will uphold the doctrine of states right. Most southerners distrusted him. His victory in the election led to the withdrawal of eleven states from the south from the union leading to the formation of the Confederate States of America with Jefferson Davis as its president. This was viewed by the US administrators as an act of treason. Hostilities were prompted in April of 1861 when the confederalists attacked a US military installation at fort summer in South Carolina prompting Lincoln to call for each state to volunteer an army. He declared these acts of secession as illegal and asked for 500,000 soldiers from the Congress to destroy what seemed to be a threatening and aggressive rebellion. This led to declaration of secession by four other states. In 1862 Lincoln emancipation declaration made ending slavery in the south the goal of the war. This was the principle of abolition. As a principle it was more than just the need to limit and abolish slavery. Slavery existed in the southern states and the federal government could not intervene as the constitution did not permit. Previously most northerners had favored a gradual and compensated scheme of slave emancipation but this was rejected by 1849 where they know demanded its immediate end every where. In 1807 external slave had been abolished making slave trade to be purely internal. The Dred Scott decision effectively limited the expansion of slavery in the US but the fugitive slave act that was subsequently passed declared slaves as properties. This led to hostilities between the southern states and the northern ones. Politicians in a bid to stem the feuds brought the compromise of 1850 and negotiated the status of territories gained after the Mexican- American war (1846-1848). This compromise was also aimed at maintaining the balance of power in Congress between leaders of slave states and those of Free states. It designated land, boundaries and processes by which a country could be slave state or a free state. Still, these compromises did not prevent divisions from growing. Opposition to the abolition movement in the south was strong due to several factors. The coexistence of the slavery south with the free states of the north was a recipe for disaster. Abraham Lincoln had not proposed any laws to curb slavery and most politicians were riding on the fence. Political feuds were a bout expanding slavery to the new territories of the west so as to enhance economic security of the south. These new territories were more likely to become Free states, a move that propelled southerners to embrace secessionism. Both leaders of the north and south used Thomas Jefferson ideas listed in his Kentucky resolutions to defend there hard line positions. Slavery indeed was the chief reason for secession. The southerners used state rights as a cover for defending slavery. They used this doctrine of a states right to base many of their grievances. The Constitution aimed at taking a middle ground by juggling the notion of a federal government with the freedom of individual states to govern them.  [3]   This doctrine to which the United States was founded became the basis for the South in its quest to block northerners from imposing anti-slavery laws to it. The support of secession was correlated to the number of plantations in the south and these were the regions that had more slave owners who had more than 100 slaves. To the southerners the notion of equality with blacks coupled with loss of economic prosperity was a worrisome matter. The north and south were different as the south had an agricultural economy based on slavery while the north had an industrial economy based on free labor and was an industrial power. The north had an abolitionist movement that which had a large membership and that was rapidly growing. This mounted a lot of fear to the southerners as the movement had the power and ability to cut down slave trade which would change their normal ways of life. States located at the border between Pennyslavia and Maryland had begun to proscribe slavery in the eighteenth century. This led to temperament and brewing sectional conflict leading to the Missouri compromise of 1850 where the northern leaders accepted into the Union a new slave state of Missouri, on condition that Maine, another state is a free territory. These are the major primary factors that precipitated the American civil war.  [4]   Conclusion The southern states were agricultural in nature. Hence they relied heavily on slavery as the main means of labor provision. This is what underpinned the high economic growth experienced by these states prior to the crush of the 1850s. Hence when the abolitionist was campaigning for equal rights and equality, these were viewed as a direct threat to there means of survival and wealth creation. The implication of slavery vibrated through the political, social and economic dimension in the relationship between the southern states and the northern states. Thus this was the primary reason for the civil war and these factors made the slide to the civil war inevitable.

The Importance of Helping Friends in Leo Lionnis, Frederick and Swimmy :: Frederick Swimmy Essays

The Importance of Helping Friends in Leo Lionni's, Frederick and Swimmy In many of Leo Lionni's children's books, one of his characters is always helping a fellow friend out. For example, in Frederick and Swimmy, there are characters that help others to survive. These characters possess human attributes and carry across important messages to the reader. Frederick shows that just because he is not working with the other mice does not mean that he is not helping out. He is just doing it in another way. While the others are working to gather food for the winter, Frederick just sits there and takes in other things such as the "sunrays for the cold dark winter days", and "colors for the winter is gray", and finally words "for the winter days are long and many, and we'll run out of things to say"(3). The other mice may not believe what Frederick is saying, however in the end when they are cold and the sky is gray, and they are at a loss for words, they turn to Frederick who in turn shares with them everything that he had been saving up. By Leo Lionni writing this, he was able to show that people can help out others in many ways. Although Frederick was not doing the same things as the other mice, in the end he helped his friends to survive the long, cold, dark winter. What Frederick achieves by gathering his supplies, Swimmy achieves by being smart. In Leo Lionni's book, Swimmy, the odd fish is the one who in the end helps the other fish from being eaten by the big "tuna fish" who is "swift, fierce, and very hungry" (75). Swimmy does not want to have to constantly worry about being eaten by the big fish, so he comes up with an idea to help all of the other little fish survive the large fish. He has them all join together to become one big fish and he is the eye. By Swimmy coming up with this idea, he is able to protect all of his friends. Without his help who knows what would have come of all the other little fish. Although not all of Leo Lionni's books portray how friends can help other friends survive in different ways, Frederick and Swimmy are great examples of this.