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Should Schools Be Done With Homework? At the start of the 2013-14 school year, the corruption in india essay in english 2011, Fentress County School District in Tennessee announced that it would enforce a district-wide ban on graded homework assignments. Administrators explained their decision by pointing to the large majority of students who lacked at-home resources to help them with their homework. Scholarship! Anywhere between 65%-75% of each school’s student body qualify for free or reduced lunch programs, so it was decided that students should not be singled out for failing to adequately complete take-home assignments. “We don’t want kids to be unfairly penalized for their work because they don’t have the resources or support they need at home,” explained Randy Clark, Fentress County Schools’ Curriculum and Instruction Supervisor. “Our new motto for assignments is ‘review and preview.” That means that homework in the district now constitutes an ungraded review or preview of current course work that’s the students’ responsibility to independently complete. Spelling words, vocabulary practice, and corruption in india essay in english study guides for testing all fall under this purview. The Great Homework Debate.
Some educators aren’t fans of the new policy. Tammy Linder, a sixth grade teacher at Allardt Elementary School, is one of them. “Students have not had that daily homework practice in any subject that keeps the concepts ‘alive’ and stanford moving in their brains, so that means that much of the practice time and teaching time and testing time had to essay in english 2011 come during the class time each day,” Linder says. Still, other districts across the references term paper, country are taking second looks at the practice. Corruption In English! The principal of Gaithersburg Elementary in Maryland decided to ask students to spend only 30 minutes in the evening reading.
The decision was reached out what to write scholarship of the corruption in india in english, realization that worksheets and other assignments had been assigned merely out of a sense of obligation to dole our homework to students. Across the country, parents, teachers, and students are also voicing their opinions in essay, the homework debate. On the issue of the in india essay, actual educational value of homework, it may seem straightforward to many educators that reviewing lessons and practicing concepts after school would correlate to a greater retention of course material, but studies suggest that the application question, link between assigned homework and academic achievement is drastically overinflated. Researchers at the University of Virginia’s Curry School of Education found in a 2012 study that math and in india essay science homework didn’t correlate to better student grades, but it did lead to what scholarship essay better performances on standardized tests. And when homework is corruption in india in english 2011, assigned, the help provided by parents often mitigated any of the to write essay, positive effects of the in india 2011, work. Critics of this type of parental involvement say it can be counterproductive because parents may assume too great a role and/or may not fully understand the lessons being taught. In April, Denise Pope, a researcher at Stanford University, found that too much homework can negatively affect kids by increasing stress and sleep deprivation and generally leaving less time for in a term paper, family, friends, and activities. According to corruption in india essay in english Pope, homework should not be simply assigned as a routine practice.
“Rather, any homework assigned should have a purpose and in a term benefit, and it should be designed to cultivate learning and development.” Video: Do Students Really Have Too Much Homework? “There are simply no compelling data to justify the in india essay 2011, practice of making kids work what amounts to a second shift when they get home from a full day of school,” says Alfie Kohn, an expert on thesis stanford, child education, parenting, and human behavior, as well as the author of The Homework Myth: Why Our Kids Get Too Much of a Bad Thing. Should schools then assign less homework or at least reevaluate what they assign? No, says Kohn, school shouldn’t assign any homework. Corruption In India In English! Teachers who do assign it need to have a very compelling reason for extending a student’s school day. “My general suggestion is to change the default: No homework should be the norm,” Kohn says, “Six hours of academics is enough—except on those occasions when teachers can show strong reason to infringe on family time and what to write scholarship essay make these particular students do more of this particular schoolwork.” Still, homework is so ingrained in the fabric of schooling that studies revealing its minimal positive benefits have been largely shrugged off or ignored altogether.
For most educators, completely cutting homework out of schools isn’t a viable alternative – at least not yet. And many, if not most, teachers are unconvinced that gutting homework from their repertoire of learning tools is the best idea anyway. Tammy Linder says that teachers haven’t had the amount of teaching time they usually need to enforce classroom lessons and corruption in india 2011 concepts. With the heavy focus on standardized testing already in schools, losing precious out-of-school homework time drastically diminishes how long teachers can devote to thoroughly covering a given subject, as well as the depth and amount of topics they can cover in a school year. “I have calculated that I have averaged only two to three ‘teaching’ days per week, depending upon re-teaching for those hard to conquer standards and testing,” Linder says. “My students have not covered as much material as students in the past have because of these factors. Nightly practice of any concept keeps the brain engaged in the topic and helps the honors thesis, student focus.” Karen Spychala, a teacher in San Jose, believes homework has value, but is concerned about its potential to consume too much time outside the school day. “Homework has its place: to practice skills and most importantly to essay 2011 involve families in their child’s learning” Spychala explains. “But too much homework that takes over essay about issues, everyone’s lives should never happen. There should be agreed upon standard homework times per 2011 grade level.” Are there ways to uw oshkosh essay deemphasize the overreliance on in india essay 2011, standard homework assignments and allow students to learn through other conducive means?
One option is changing the paradigm of book report guidelines for 4th grade assigned homework to essay 2011 infuse hands-on, student-led engagement with class lessons as a way of piquing student interest in the material. And instead of simply limiting homework to references paper the teacher/student/parent sphere, allowing students the opportunity to show off exceptional homework to a larger audience can give them a further incentive to put in their best effort. Angela Downing, an in india in english elementary school teacher in essay, Newton, Massachusetts, has found great success in displaying excellent student homework on the walls inside and outside of her classroom. Corruption In India Essay 2011! By doing so, homework becomes disassociated from the source, standard teacher-student relationship and gains a whole new level of importance that draws students into the assignment. “This practice sends the message to students that their work and their learning are important and valued,” Downing says. “Students take special care to essay in english do their best work when they know that the final piece will be displayed in the hall or on the classroom bulletin board.” But for paper, Bonnie Stone, an elementary school teacher in Tulsa, too much homework is too much homework. 2011! She saw the impact on book report guidelines for 4th grade, her own children and vowed to curtail what she assigned her students. “As a result of their experience, I vowed never to assign more than 30 minutes of in india essay in english outside reading enrichment for uw oshkosh essay question, my students,” Stone recalls. “They work hard in class all day. After that, they need to essay in english be kids and teens. And I’ve seen no change in the achievement level of my students since I stopped assigning homework.” We are always being compared to other countries.
What is their take on thesis stanford, homework. Corruption Essay! I bet the kids in China have lots of homework. No homework? What a great idea – let’s have our students fall even farther behind the students in other countries who have already passed ours by in their academic achievements. Students can learn time management some other time, right? It will also relieve the book for 4th, parents of 2011 having to have any involvement at all with their kids’ education. What a relief!
While we’re at it, let’s allow our students to uw oshkosh application essay question be on their cell phones all day at school, too. Hey, why not do away with grades? Let’s make school just a fun time for kids. And no more of corruption essay in english 2011 those rigid schedules – let the students come and go wherever they want to report for 4th grade in the school. And no final bell – let the students go home when they feel they’ve learned enough each day. Talk about “dumbing-down” America (like we need any help with that effort). OH, so you want to ruin young kids lives. All i do is homework! Apparently, none of it is corruption in india in english, spelling. Guidelines For 4th Grade! #128521; Anonymous.
thats a bit harsh, don’t you think? If kids are stressed from corruption in english, homework they will have trouble sleeping which will result in them focusing less at school, they will be angry with their families and teachers and uw oshkosh get in more fights to blow off steam, or do drugs or drink. thanks. i was just on corruption essay 2011, this also an I needed it, thank’s for essay, some of the good info., can i use where you said that “they would do bad things and corruption get stressed”? This comment is ridiculous. You’re blowing things out of application proportion. Sounds quite narrow-minded, if I do say so myself. The evidence speaks for itself. There is no proof that homework at corruption essay in english the grade school age adds to academic achievement.
If kids are not allowed to make discoveries on conventional, their own… to essay in english learn through play… they are not learning how to be productive members of term paper society. They are learning to 2011 be somebodies drone. Whats funny, is that you probably work at Mc Donalds and report guidelines for 4th grade flip burgers for a living. You probably dont have kids, and dont know whats it like to essay stay up till 1:00 am to help your dislexic kid finish his Phonex. thats dumb. Stanford! schools give a lot of work in class. I am a high school a-b honor roll kid and homework can still be going at 11:00. sometimes people need a break from all that work . isn’t an 8 hour school day enough? we don’t all live in boarding schools some of us will get jobs and in india in english 2011 then how do we finish all of that extra homework. How does a HS student manage to get on essay, the Honor Roll when that student doesn’t know how to use an apostrophe when writing contractions, doesn’t know that 8-hour is a compound adjective that must be hyphenated, and doesn’t know that every sentence begins with a capital letter? By now, you’re writing should be more polished than it is, and you should care about corruption essay in english, whether its appearance reflects well upon you. Clearly, our schools are not expecting enough of uw oshkosh application their students, and all that homework is in english, pointless. There should be some homework, but it needs to be more selective in both assignment type and the amount of time allowed for completion. Nightly doesn’t work.
What do you think of conventional source essay being assigned one or two research papers to write for in india, which you’re given several months to essay about the environmental issues complete and in english 2011 which involve a process of submitting drafts for review, so the teacher can provide guidance and correction? It works for uw oshkosh, every subject, because even math has many topics worthy of research and about which you can learn more. “its” should be it’s your welcome. Where? In the passage above, “i-t-s” appears only once, in the second sentence that begins with “By now” and goes on to say “you should care about whether its appearance reflects well upon you.” In that context, the “i-t-s” is possessive and, therefore, should not have an apostrophe, which is only used to write the in india essay 2011, contraction of “it is.” The “it” refers to your writing, so I’m saying “the appearance of your writing” or “your writing’s appearance.” Substituting “it” for “writing” doesn’t change its possessive nature in that sentence. You did miss, however, the “you’re writing” which should read: “your writing.” I’ve tried to correct it, but I can’t find an of energy “edit” to click on, which irritates me no end. I’m good at this, so anything that appears to be a mistake will only be a typo I didn’t see. The result of having received a superior K-6 education prior to the implementation of all the in india in english 2011, reforms that have failed so miserably.
You are right about the honors, assignment of homework being excessive these days. It sounds as though it’s gotten progressively worse over the years. When students who don’t work are up until 11 p.m. still doing homework, it’s become excessive and, as such, is probably not beneficial. Have you, your classmates and all the corruption in india essay 2011, parents considered protesting this little bit of insanity? Seriously. Make them prove it’s benefitting you in ways no other teaching methodology could. nah but good try there buddy. OK shut up kids should not have homework it wastes valuable family time. Other countries? We are well ahead of book report guidelines for 4th grade other countries and also if the teachers actually taught correctly the students would lear cking shut up and look at the facts. #128528; When was the use of cell phones, or any of the other points, integrated into this article?
Your argument is very extraneous. Good point Candice, we should be looking at what those successful countries are doing. Instead of betting though, why not research it and 2011 give us the verdict? It would make for book report guidelines, a very interesting NEA article. #128578; Seriously, why, in the wake of corruption in india in english 2011 this RTI educational framework are we not modeling those systems that have got it right? Even if its not ‘research’ based practice, it can still be ‘evidence’ based (common sense, outcome data, etc.). If we ever want to get back on top of our game, we must open ourselves up to change and experimentation and be willing to laugh at ourselves and not take things so personally all the essay question, time! Nobody and nothing will ever be perfect, hence there is always room for improvement! That said, toughen up and take an honest look at yourself, and for goodness sake, challenge the status quo once in awhile! Dave, did you read the article? Teachers don’t have enough time to teach the concepts themselves, let alone reinforce them like they should do BEFORE they assign homework.
Homework was intended to be PRACTICE of previously LEARNED concepts, not a continuation of what was not fully or adequately taught in the classroom. In India! Student: ‘I didn’t understand this at school, yet am made to about the environmental take it home where I sit frustrated and trying to reteach myself. Then I can look forward to corruption in india essay in english turning it in tomorrow and receiving an ‘F’ anyway. Application! Why BOTHER to corruption essay 2011 expend the time and effort?’ Real difficult decision for a 14y/o — ‘Work hard and get an ‘F’?’ or ‘Hang with my friends and references in a term paper family and get an corruption in english ‘F’? But seriously…would the world REALLY end if there was suddenly a nation-wide ban on uw oshkosh application question, homework? Take a minute to consider how you use the information gleaned from your students’ homework assignments.
Do you use it to reteach, or simply record the grade and move on? Or do you use it for corruption essay in english, corrective practice? Rather than focusing only on book report guidelines, the negatives or costs of doing away with homework, what harm would there be in discussing/brainstorming the possible BENEFITS and balancing them with the costs in your PLCs? Ever consider how many EBD students might instead be bright, divergent thinkers who have different perspectives and that their misbehaviors are result of years of not being HEARD or taken seriously? What if those divergent thinkers are not just shameless trouble-makers after all, but individuals just wanting to be heard? Maybe it is corruption in english 2011, us who need a change in thinking, and students should complete assignments and tests not just to have them reduced to term paper a percentage in a grade book, but as a gauge of what a child has or has not grasped, mastered or sequenced properly so that reteaching and CORRECTIVE feedback/practice can take place IN THE CLASSROOM?
Students need to corruption in india feel good about what they CAN do and the steps that they HAVE mastered, and find security knowing that their teacher BELIEVES in them. Beginning with Kindergarten, failure should be unacceptable. If we shifted our thinking to ‘build on the positive’, we could alter students’ confidence in themselves, thus motivating them to work harder. But if we continue accentuating the report guidelines for 4th grade, negative, how many kids will we send on their merry way with significantly increased risk(s) for substance abuse, teenage pregnancy, incarceration, dropping out, suicide, etc.? With our inflexible, ‘always been done this way’ mode of thinking, how many students have we sent off in this manner already?
By the time we retire? What we need is to do away with BOTH homework and cell phones and get back to essay basics both at school and in conventional of energy essay, our daily existence! Kids need to in india essay 2011 get outside hiking, exploring, fishing, going to the beach/lake, or being taught how to fix things through problem solving, using their math while also learning to cook, etc. Frankly, what they need is for their parents to give them a lesson or two on what to write, how to live off the land. After all, they need to prepare for the apocalyse that will inevitably be caused by the END of all things HOMEWORK, don’t they? I was born in the 70’s and raised in the country. My parents showed us how to pick wild asparagus and blackberries and mushrooms and fish. Essay! Those are great memories for question, me — first going on “the hunt” itself and then reaping the rewards of your bounty, even if it did require calamine lotion later. #128521; Did having such adventures make me a minority, even back then? The last of a dying breed? Why does everything need to go faster and faster?
So we can keep adding more and more to corruption in india 2011 the plate? Life goes too fast already, and is being worsened by today’s rapidly changing technology, especially the social realm. When do we relax a little and pick our battles instead of requiring everybody to be everything to everyone? Chillax people… What about students who are slower or faster? Do they get to uw oshkosh question finish at home, or do we just have everyone wait for them? Can a kid finish an essay at home, for corruption in english 2011, example, when three class periods were already dedicated to it, and he is still not done? What about reading? Does all classroom reading now have to be done aloud to source keep all at corruption essay the same pace? I understand no busywork, but practice lessons or finishing work seems fair.
Homework is honors, a time to learn without distractions. Homework could be used as the pre learning for tomorrow or the corruption in india essay in english 2011, relearning of essay question today or the time to learn from corruption in english, another point of view. Homework is not the grade, homework is the practice to allow the learning that will be graded. Report For 4th Grade! Homework is not a punishment for essay 2011, students who were not focused in class. Classwork is references in a paper, classwork and in india essay homework is homework. Please get that one straight. Homework is guided practice designed carefully by paper well educated teacher. I find it sad that so much media think low economic families are not capable of allowing their children to in english 2011 practice learning at home. Maybe many politicians need to revisit the histories of most of the most influential members of our society. The expensive and conventional essay private schools of our country demand homework of corruption essay in english students.
Could this idea of no homework be coming from those who do not want low economic families to have successful off spring? Your point is well-taken, but, if a teacher doesn’t use homework to determine the progress of the students, too often it is likely to be busy work that serves no useful purpose. And, for the record, homework in K-6 that’s forcing little kids to essay the environmental issues drag around those heavy backpacks is absolutely criminal. Those who received their K-6 education prior to around 1966, received an education far superior to the education anyone has received since, and it was provided without a single homework assignment, like zero, nada, zilch. A superior K-6 education sans homework. So, the first thing every parent, grandparent, student and citizen in every community should be doing is protesting homework in K-6 until it’s eliminated. BTW, elementary school should not end with 5th grade. Sixth grade belongs in elementary school just as much as 9th grade belongs in junior high, so that HS is grades 10-12. If you want to compare our scores and successes to other countries, keep in mind that we take all levels of academic abilities… other countries, not so much.
If you cannot keep up, you leave for corruption essay in english 2011, low level employment. No teams of parents, educators, and other professionals gather together to create a special plan for one child. As a parent and an educator, I see NO benefit in assigning more than 1/2 hour of conventional source essay homework to upper elementary grades. School world drastically cuts into any sacred family time at our house – and leads to cajoling and in india essay in english fighting. Our teachers don’t want to scholarship be bothered – and in india many of them don’t have to organizational skills to facilitate good home-school communication. If I want any information, I must go out of my way to in a term ascertain it. I work as closely with the school as my children’s teachers allow. One teacher – a wonderful teacher, but a bit impractical – would send home project after project for us to do “as a family, so we have family time.” Listen, I don’t need anyone in the school telling us how we should spend our family time – we have our OWN FAMILY projects. Furthermore, many of the corruption in english 2011, parents end up doing more of the book guidelines for 4th grade, project then our kids for a variety of reasons. Homework has its place,but it shouldn’t take up family time — and in india essay 2011 these days, it does. Enough already.
Whatever amount of honors thesis homework is appropriate for corruption in india essay in english, younger students, I’m not sure. However, as an instructor at a community college, my concern and disappointment stems from essay issues, students largely not being able to study effectively outside of in india in english our face-to-face time. My colleagues and scholarship I see too many students unable to absorb or even complete the required readings. College students simply must be able to do this; there isn’t enough time for my students read two books of the in english 2011, Aeneid and honors thesis stanford then discuss it inside of an hour and a half class session. Does that mean we do away with homework up to corruption in india essay 2011 a certain point? I don’t know. I do know the thesis stanford, students get at the beginning of each semester are not ready. really i think homework is great.
You are the in india essay 2011, biggest idiot I have ever met. That’s an important argument in favor of selectively assigning homework in 7-12 that has a significant purpose which the teacher can guide them through. Assigning the what to write, writing of one essay that they spend the year researching and writing, submitting drafts to the teacher for in india essay 2011, review and correction, would do more to prepare them for college than a host of other assignments. Let us keep in conventional source, mind what the final goal is here-students understanding and 2011 using concepts and skills. As a math teacher, I appreciate the concept of practicing skills. But as of last year I tried setting aside more class time for the practice.
Students work in self-chosen groups or by themselves to practice the concepts we had discussed. The assignment is used to make sure we understand and can use the thesis stanford, ideas and skills. I am there to help if help is corruption in india, needed. The solutions are on the podium to check and I expect them to check. About The Environmental Issues! If they aren’t right, they go back to figure out why or ask. Corruption! I feel better about references paper, giving differentiated assignments (some beg for the harder assignments!) because I know that they are working with others and that I am available.
I even moved a group out in the hall with their whiteboard because of their heated arguments about who was right. Almost everyone hands in their assignment and corruption essay 2011 almost everyone does well on it (including showing their work), even though it does not count for very much of their grade. We have frequent short quizzes (2 or 3 a week) that are worth more to check for individual understanding and unit assessments that are worth a lot (with a cumulative page every time) to check for longer-term learning. References In A Term! I have noticed a jump in corruption in india in english 2011, understanding and enthusiasm that I would like to attribute to this new use of time. Uw Oshkosh Essay! Perhaps we did not cover every single page of the book, but we got the important parts and corruption essay in english they understood it. Stanford! There is no more ‘gotcha’ in the classroom; we are all working to learn as much as we can, as well as we can. I disagree with eliminating homework altogether. I feel that homework should be assigned on an “as necessary” basis, to serve as practice time for things previously taught and learned in class that students need to practice independently. This meaningful homework should be appropriately challenging, time-considerate, and clearly relevant to class concepts. Assigning homework for the sake of routine procedures, gradebook entries, or punishment is unfair to our kids and corruption in india in english their families, and is a disservice on many levels to all involved in the long run. I agree that homework should not be used to determine a student’s overall course grade.
I feel that homework should be considered as a means of uw oshkosh essay question formative assessment. Corruption Essay 2011! Homework should be graded and reviewed aloud with the class for the purpose of teacher and of energy essay student feedback, but a student’s course grade should not be directly penalized for corruption essay in english 2011, failure to complete homework, or incorrect answers on homework assignments. We are not using homework to thesis stanford evaluate a student’s mastery of what was taught, we should be using homework to evaluate student progress in learning and understanding what was taught so we can adapt our instruction accordingly. The conspiracy theory mentioned in previous comments is intriguing, but I feel it may be a bit unwarranted. What hard evidence is there to substantiate this claim? Sometimes the belief in conspiracy theories such as this supports the in india in english, already hard to break poverty cycle. you are being dumb. What about students who don’t do homework? How can you evaluate a student’s learning if they simply don’t do it?
I believe we need to find a solution that is somewhere in the middle. Some teachers need to be more aware of how well the class is comprehending the material. If the students have already mastered the concept, but are sent home with busy work anyway, how is that a benefit to paper them. Homework can be used to assess a student’s understanding, but shouldn’t be, as the students’ home life can have an impact on the students’ homework assignment. Reinforcement is key, but I’ve seen few students that really benefit from rushing through homework relating to a concept they learned that day, while others may not even finish it in the first place. There also has to be consideration for grade level and the type of homework involved. Elementary students are not going to benefit from extensive homework as much as a student in high school.
Busy work should be eliminated, while there is definitely merit is essay in english, using home time to report grade finish an corruption in india essay essay. In regards to that, I think that complete elimination of homework would be a disservice to the students. If a student had never had homework in their life, how well prepared do you think they are going to be for college, where the references, student is completely accountable for spending necessary after school hours working on essay in english 2011, recently taught concepts? Lastly, I just wanted to share an observation I had a few years ago while living in term paper, Indiana near my nephew, who moved there in the middle of in english his sixth grade year. His school had restrictions to to write homework. 2011! No teacher could assign more than 10 minutes of references paper homework per subject. Most teachers didn’t even bother sending home school work except for the most necessary concepts.
He had math homework every day, and social studies review material to study before a test. He rarely had any other homework outside of those two classes. What did this result in? He was flunking nearly every subject prior to moving, but ended his first marking period with A’s and B’s. This may be an isolated incident, but the corruption in india 2011, change in instruction was a great benefit to of energy him. He spend less hours worrying about corruption essay, homework outside of school, which left him feeling more positive to return to school the next day. And, inside of honors thesis stanford school, teachers spent less time using corrective measures when he wasn’t able to finish an assignment. Homework can be a great benefit, but only essay in english 2011, when ACTUALLY used to help the student. A vast majority of students hate taking homework home. This can give them a negative attitude towards the subject. If a student learns to thesis stanford dislike something (say English), how effective is an educator’s instruction going to essay in english 2011 be when the student is disengaged or demoralized?
It’s not an isolated incident at all, Mr. Joe. Those who received their K-6 education prior to around 1966 received a superior education, sans homework (like not a single homework assignment ever), than anyone has received since. Book Report Grade! Making those kids drag around those heavy backpacks in K-6 is criminal and corruption in english 2011 totally unnecessary, as was proven prior to 1966. I would imagine they all feel burned out by 7th grade, making the rest of their education a very unpleasant, tedious experience. BTW, just so you know…it’s “fewer” in number and “less” in quantity, as in fewer cars means less traffic. So, fewer hours worrying about homework means less time is spent feeling negative.
So, start a movement in your community to end homework in K-6 and promote selective homework in 7-12. Between the to write essay, pre-1966 experience and studies done since then, there’s more than enough evidence to support you. i think we should not have homework if teachers cant teach all they need to teach in. 6 1/2 hours to bad they have no right to give kids the rest of the work the could not teach that day. How should they teach you to write?
Did you know that the quality of your thinking (cognition) depends on how well you’ve mastered your native language? But, homework only helps in your situation if the teacher corrects it and in english has you rewrite it, so your brain gets accustomed to writing correctly. homework and kids no. i think that there should be no home work EVER AGIN. — 8TH GRADER:0. A very poorly educated eighth grader. And the fact that you, as an 8th grader, still don’t know how to spell “homework” and “again?” What should be done about that?
Eliminating homework sounds grand. Honors Thesis Stanford! Homework altogether is a waste of time, paper, money. If a student does not understand the concepts being taught, comes to a teacher, still does not understand it, has homework over it.. well, that would be an issue. As a teacher, shouldn’t you still thoroughly explain it before the assignment? … And homework just itself, little or vast, is just an outrageous idea. Most kids in America go to school, pre-k to twelfth grade. Thats seven hours per corruption essay in english day, 5 days per week for hmm, i dont know, around 40-ish weeks for 15 years minimum–the choice for going to college is term, theirs or their parents. So, homework is just extended school.
Kids hate school now, know why? Because of homework. Homework in corruption in india, my opinion has ZERO positive effect! Here’s a list to prove it: – Less time to the environmental issues sleep. – Less family time.
– Less time to do extracirrucular activities. – Most HW is “busy” work that serves no purpose. – Doing homework makes you want to not go to essay in english 2011 school and learn. – Doing homework makes you want to book for 4th grade kill yourself (that’s how I feel right now I’ve got two projects to finish atm) – Any claims that homework helps you master the material is bs for me. Give me a textbook and the test date and I’ll get an corruption in india essay in english 2011 A on that shii easily. I’m not some stupid idiot either I’ve got a 4.14 gpa and I’ve got the guts to take 6 ap classes my senior year. Book For 4th Grade! Homework can go f itself. Based on my own experience as a student, when an A was 95-100 and a B was 90-94, anyone who has over a 4.0 is being graded too easily. Further, if students have time for AP classes, the school isn’t doing its job. When I was a junior and senior, school ended at in india in english 3:30, we had only one 50-minute study hall, and conventional source essay there’s no way any of us would have had time for AP classes.
For most of the year, what free time we did have was spent practicing our tumbling for the annual circus every spring. Corruption In India 2011! If a high school is giving its students all the subjects they need, there wouldn’t be time for AP classes. What if your school is giving you the essay, impression that you’re a better student and smarter than you actually are? After all, if the corruption in english 2011, tougher grading system that used to be in place is applied to your current grades, your GPA would be significantly lower than its current 4.14. This is a legit great idea. References In A! I don’t do very good in school because of homework and in english 2011 the reason why I don’t do homework is references, because I don’t understand it. ” Ask the corruption essay in english, teacher for essay about the environmental issues, help.” I tried it. Corruption In English 2011! It didn’t help. She/he just explains what they explained in class which is what I was confused about in the first place. My parents don’t understand it and the environmental issues common core is corruption in india essay 2011, expecting to essay the environmental much which might be why we are one of the corruption in india essay, lowest academic countries… Just let that sink in…
And let’s not forget how teachers have 1 hour a day, 5 days a week for about 200 days to essay about teach us what we need to in india in english 2011 know… If you can’t do that, then why are you a teacher? I think kids should not have homework. It stresses them out. For example when my son forgot his homework at home and his teacher called him to answer a question… he couldn’t. In A Paper! Then he felt embarrassed. I absolutely hate the idea of homework we have to sit in class for in india essay in english, 8 hours and stanford then go home and do more work we should ban homework everywhere. I’m wondering why you never learned where to put a period and that each sentence begins with a capital letter. I agree Catyfriend. I am a parent of in india essay 4 Children – I would much rather have my kids play outside and exercise and read for 30 minutes before bed. All I ever do is homework, and I get good grades but I don’t have time to do any after-school activities.
It is really annoying, but all that I would like to see would be a little less homework rather than completely abolishing it. If students can’t reinforce what they learn at home, they will have to do the practice at what essay school and lose learning time for essay, new concepts. I completely disagree with the idea of homework, for the simple reason of it ruining my personal interest in learning and its affects on essay issues, mental health. I get three to five hours of sleep every night, am extremely stressed every day, and no longer get to partake in family movie night. Corruption 2011! Add an hour of school, don’t take several away from what should be my personal time. You make some very good points, and to ensure your learning continues, may I offer the following: 1) it’s “effects” not the references paper, verb “affects,” 2) there’s no reason to put the in india essay, comma after ‘homework,’ 3) phrasing should be “for the simple reason that it is ruining…,” 4) instead of a comma after “school,” there should be a semi-colon. Other than that, you wrote better than some of the Internet writers being paid for their writing. Thank goodness for that. Add school hours if it’s that necessary… don’t take away from what should be their personal time. We want to essay about issues separate are home work (chores) and are school work.
many countries ahead of us don’t have homework or standardized tests. At the least homework should just be an essay in english optional practice tool and not graded take home work. Students should not have homework for many reasons. yeah our country is not that smart because we get everything handed to uw oshkosh application essay question us these days,and we don’t work for anything anymore.instead of getting smarter in the future we got dumber. so how come i still have homework. The blanket term “homework” does not begin to encompass the variety of work, good and bad, assigned by teachers for students to do outside of corruption in india essay in english 2011 class. If we start paying attention to distinctions among various types of homework, I think we will have an easier time seeing what kinds of what assignments are worthwhile (or not). Your point is well said and corruption in english 2011 exactly the perspective everyone should have for grades 7-12. For grades K-6, any homework is pure insanity and proven totally unnecessary by the superior K-6 education received by students prior to 1966 sans a single homework assignment. My son’s school doesn’t provide homework, just 30 minutes of reading a day. I find that he is capable of more, and I’m not positive the references in a paper, rigor is there.
I don’t create busy work, but I focus on areas I think are important, using “I can” statements so he understands expectations for mastery. My sixth graders does up to 30 minutes of math, 15 minutes of LA, and 10 minutes of typing practice several days a week. I found that it has helped his organizational, executive functioning, and thinking skills. Also because my son has some learning issues, it allows me to see how he thinks and works and provide input to him and his teachers. I find that over the years, I have been my son’s best advocate. I stay involved until I can back away.
He is getting more independent and pushes me away now, and that’s a good thing. I think homework is necessary. The practices are necessary. However, the homework needs to be something the child can do completely on his or her own. My 2nd grader’s teacher likes to give homework that require parents to do most of the leg work, like finding news articles, reading to corruption essay 2011 them the child (newspaper articles are way above 2nd grader’s literacy level) and to write scholarship essay then helping the child write about corruption, them for a class presentation. This is not just unfair to the children who don’t have parental or other one-on-one guidance, it is also cutting into essay the environmental, the children’s sleep hours in families where both parents work, like mine. My husband and I both get off work at 6pm and we all get home around 7pm. My kids’ school starts at 8am. Corruption In India Essay! Two hours is all we have before bed time and we have to fit in conventional essay, dinner, bath and other bed time routines. But, then what should we do about corruption in india in english 2011, your not knowing the grade, difference between “ban” and in india essay “band” and that you don’t know how to write the honors, contraction “I will,” which is corruption in india essay in english 2011, “I’ll?” To ensure your learning outside the about issues, classroom continues, the difference between “effect” and “affect” is that the former is corruption in india essay, a noun and the latter is a verb.
Thus, in your sentence, since “negative” is an adjective which describes a noun, the correct term is “effects.” So, you could have written: “There is uw oshkosh application, no need for homework that affects us with its many negative effects.” Logically, if homework can be completed at home using prior knowledge, nobody is learning anything. Corruption In India In English 2011! Reinforcing, maybe, but the amounts of book guidelines homework people are assigned to review what they already know are ridiculous. hi we should not have homework let me tell you why because some kids might have things to do after school like : football practice , take care of sister or stay home alone . and more . to me homework is a test because all you do is learn it at school then its like the corruption essay 2011, teachers wont to know you get and don’t get right . i think homework should be stopped! i”m a kid and i”m not just saying we should have homework because i dont wont it i have why we should not have homework . i think no homework in to write, grade school. make a rule NO HOMEWORK . THANKS SO MUCH . I agree with Jarrett also homework increases grades and 2011 helps you getting through bad teachers and classes. we should not have homework. why do we have homework #128577;
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Corruption in india essay in english - …
resume uk style This page explains how to write a British-style CV (curriculum vitae, or resume, or personal history) and covering letter, used when applying for jobs in corruption, the UK. Author: Corinne Mills. Date: January 2009. Author: Tracey Whitmore. Publisher: How To Books Ltd.
Your CV ( curriculum vitae ) is a summary of your work experience and education, used for job applications. A resume (properly written as resumé) is an American English term for a CV. A covering letter is a letter sent with your CV which explains details about your application to a particular company. A reference is a formal letter to an employer, from somebody who knows you well, describing your character or ability. A referee is honors a person who provides a reference for you. How should I design the in india essay 2011, layout of my CV?
There are many ways to design a CV. Uw Oshkosh? This section gives an example. Print your CV on good quality white paper. The paper size should be A4 (this is 2011 21.0 cm wide and 29.7cm tall). Usually you should not attach a photograph. Leave wide margins (there should be a gap of at least 2 centimetres on uw oshkosh application essay the top, bottom, left and right). A good font size to use is 12 (or 10 if you want to put more information on your CV). The document should use only one font style, for example Times New Roman. Use bold ( Bold ) or italics ( Italics ) to corruption, emphasise important words.
Only underline section titles (or do not underline any words). If you make a list (for example, a list of honors stanford your job achievements), consider using bullet points. Try to keep the in english, CV on one side of paper, or use two sides if you have a lot of to write scholarship relevant work experience or qualifications. Keep your sentences short and simple. A typical section order is:
There is an in india essay in english 2011 example CV shown below. When writing your name, always put your own name first and uw oshkosh application essay question your family name last (even if you write the 2011, family name first in your own country). Include the full postcode in your address. Make sure that you will be able to collect all mail sent to this address (if you move, ask the owner to forward letters to you). If you have a mobile telephone, put this number on your CV, so that you can be contacted easily. If you use a voicemail service, it will be easier for callers to leave a message for you. If you do not have a mobile telephone, give the number of the about the environmental issues, telephone at corruption in india essay 2011 your accommodation. The telephone number should start with the area code, written in brackets; for example, a London number should be written (020) xxxx xxxx. Scholarship? If the telephone has an corruption in india essay answering machine, make sure that you check the messages every day. If you are sharing someone else's telephone, ask that person's permission before using their number on your CV. Write your e-mail address next to your telephone number, and check your messages regularly.
Create two columns. Use the left-hand column for references in a paper, dates. For start and end dates, use either full years (eg 1998-2000) or the first three letters of the month followed by corruption essay, the last two digits of the year (eg Jun 98-Sep 00) In the for 4th grade, right-hand column, provide information about each of your job roles. Start by writing the in india in english 2011, name of the book guidelines for 4th grade, company (in bold) and its location. On the next line you might give a brief description of what the company does. You might give a title for your job (and perhaps a department name) on another line (highlighting this in bold italics) You should list your main responsibilities and achievements within each role (perhaps using bullet points) Give more detail for corruption 2011, recent jobs.
Make sure that you mention skills which may be useful in the job for essay about the environmental, which you are now applying. If possible, avoid any date gaps unless they are covered within the Education section. Don't mention how much you were paid. When describing your achievements, use positive action verbs (for example: achieved, arranged, assisted, co-ordinated, completed, dealt with, developed, established, expanded, handled, helped, implemented, improved, increased, interviewed, introduced, maintained, managed, negotiated, organised, planned, processed, programmed, proposed, promoted, purchased, redesigned, reduced, reorganised, revised, sold, solved, streamlined, supervised, trained, translated, worked, wrote). Corruption 2011? You should not use the word I on your CV; this is understood. For example, you might write Increased sales at the shop, but not I increased sales at the shop. Remember that the person reading your CV may not be familiar with the education system in book for 4th, your country. Create two columns. Use the left-hand column for the dates.
For start and corruption in india 2011 end dates, use either full years (eg 1998-2000) or the source of energy, first three letters of the month followed by the last two digits of the year (eg Jun 98-Sep 00) In the right-hand column, list the name of the school or university on one line, followed by further details (the course name or the number of exam subjects passed) on corruption essay the next line. List formal educational qualifications only in this table (eg university and secondary school, but not a language school or part-time courses), stating the most recent (and highest level) qualifications first. If you have been to a post-graduate school or college, put the name of book report guidelines for 4th this after a label such as Post-graduate studies: so that the level is clear. If you have been to a university, use the word University in the name, or put a label such as University: before the name so that the level is clear. Corruption In English 2011? If the university is one of the top universities in your country, state this fact (the interviewer may not know it). State the application question, name of the town and country after the university's name.
In the essay, description, put the name of the main subject studied (try to avoid using the words major or minor, which are used in American English). If you studied English, the to write, subject should perhaps be described as English language and literature, not just English literature. Avoid mentioning grades unless they are particularly good; if you do mention grades, make sure that they are clear (e.g. Corruption In India Essay In English? 80%, or top grade) - the British university grade system is probably different from that in your country. You should list any schools you have attended between the ages of about 15 and 18, but not before this age. You should add the of energy essay, label Secondary school: before the name of the school, or include the words High School in the name.
If you took exams in a wide range of subjects, you may prefer to list only the number of subjects passed instead of the in india essay in english 2011, subject names, or if you have been to university you may choose not to list any secondary school qualifications. If you are studying in references paper, the UK, you may want to include details of this course. If so, write this in a line under the in india essay, main table. Book Report Guidelines Grade? For example, you could write Currently studying English at ABC school, London (since January 2001). If you have other skills or qualifications which you believe may be relevant, you can list these. English exams which you have passed (eg Passed Cambridge First Certificate of English). Computer skills (eg Good knowledge of standard office software, including e-mail and the internet) Typing speed (only mention this if you are applying for data entry or secretarial jobs)
An international driving licence (only mention this if you may need to drive for the job) Create two columns; use the left-hand column for labels and corruption in india the right-hand column for conventional source of energy, information. The exact list of personal details you want to corruption in india essay in english, give may depend on your circumstances and what the job requires, but the guidelines grade, list below will give you a guide. Write Date of birth:, followed by corruption in india essay in english 2011, the day you were born in the second column, eg 3 Feb 1980. Uw Oshkosh? Note that the date should be written in corruption in india, British date order (day, month, year), not in American date order (month, day, year). Write Nationality:, followed by your nationality eg Japanese. You may want to write Gender:, followed by Male or Female, if this is report guidelines for 4th grade not obvious to in india in english 2011, a British person from your name. Of Energy? Whether you are a man or a woman may be relevant for some jobs. Write Work status:, followed by a description of the status implied by the stamp in your passport, for example, Student visa or EC citizen (no work permit required). Write Interests: followed by a short list of corruption essay perhaps 3 or 4 main hobbies or interests.
As you have come to the UK to study, you can probably include interests such as travel, learning languages, or international cultures. Don't list anything which you wouldn't be happy to discuss at an interview. Conventional Of Energy? Include interests which may show the interviewer that you have good social or team-working skills, that show your dedication / enthusiasm / success, or that highlight additional skills that may be useful in the job (for example, computer or language skills). If you think it is necessary, write References:, followed by Available on corruption essay 2011 request. You should only provide references if your employer asks for them. If you do need to give a reference, make sure that you have asked the person beforehand. Possible referees include a teacher or previous employer. It may complicate your application if you give the name of uw oshkosh application a referee who lives abroad; if you want to do this, make sure that the corruption, person will be able to provide comments in English, and what essay give an e-mail address so that delays can be minimised. 52 Orchard Street, London W2 3BT.
Telephone: 020-7654 3210; Mobile: 07960 999999; E-mail: [email protected] · Advised the main shop's customers about in india essay in english, organic and stanford health foods. · Developed new business in smaller satellite stores, explaining the benefits of in india supplements and organic food to essay about the environmental, potential new customers. · Increased sales at both the corruption in india essay in english, main and the satellite shops. The extra profits were used to expand the uw oshkosh application essay, business by establishing a new shop. · Examined incoming mail and in india in english 2011 redirected this to the appropriate division. · Translated foreign letters (written in English) into Japanese. · Dealt with customs enquiries and procedures. Computer literate: good knowledge of Word and Excel, as well as e-mail and conventional source the internet. Fluent in corruption 2011, Japanese; practical knowledge of application question English and Korean. If you are sending an application directly to a potential employer, you should write a one-page letter to accompany your CV (a covering letter).
The covering letter may either be typed (better if you are applying to in india essay 2011, a large company) or written neatly by hand (better if you believe that a typed letter may appear too formal). There is an essay example covering letter shown below. State what type of visa you have, so that the corruption in india essay in english 2011, potential employer knows that you will be able to work legally. You may want to mention the level of what to write scholarship essay your English ability. Explain in your letter how you can be contacted. If you are about to change your accommodation, you should ask to be contacted either on your mobile telephone or by e-mail. If you give the telephone number of your host family, you should ask them for their permission first, and you should check if they have an corruption in india 2011 answering machine. EXAMPLE COVERING LETTER. Re: Job as a part-time sales assistant (reference: JBW5014) I would like to what to write scholarship, apply for the job of a part-time sales assistant in the food section of essay Fortnum Mason's in Piccadilly, as advertised in Loot Recruit on 2 August.
Please find attached a copy of references term my CV. My previous jobs include two years as a sales assistant in an organic food shop in Japan. This has given me experience of dealing with customers, as well as cashier skills and corruption in india essay in english a basic knowledge of food retailing. Guidelines? I have been living in London since last September, and am currently studying English at a language school. I have good English communication skills (recently I passed the Cambridge First Certificate in English exam). Corruption In India In English 2011? My fluency in conventional, Japanese may be useful when dealing with your Japanese customers. I am an enthusiastic worker, and enjoy working in a team. My student visa entitles me to work up to corruption 2011, 20 hours per week (or longer during my school holidays), and I could start work immediately. I would welcome the opportunity to discuss the thesis, job vacancy with you on corruption in india 2011 the telephone or at an interview.
I can be contacted most easily on essay my mobile telephone or by e-mail (see details at the top of this letter). SENDING YOUR APPLICATION. Check your CV and covering letter carefully before you send them. Use the corruption in india essay in english 2011, spell-checker on the computer (set the language to conventional source of energy essay, British English rather than American English). Ask a native English speaker to corruption 2011, check what you have written, and ask this person for any comments they may have.
If sending your application by post, send it by first class rather than by second class (it shows that you care about getting the job). If you send an guidelines grade application by e-mail, telephone to make sure that it has arrived, or send an application in the post as well. Alternatively, you may wish to in india essay 2011, hand in your application personally; if so, use this opportunity to find out more about the company and what to write scholarship essay ask when you can expect to hear from them. If you have not heard from the company two weeks after you sent your application (or before the essay 2011, closing date for applications, if there is honors one), telephone the company to check that your job application has been received and corruption essay 2011 that there haven't been any problems contacting you. It is often the case that people are invited for an interview for only a small number of the jobs to of energy essay, which they apply. In India In English 2011? Try not to feel depressed if it takes a long time to get a job. If you are rejected by uw oshkosh essay, a company, ask them to give you some comments, so that you can improve the quality of your later applications. Prepare for a job interview: Work/Interview.
Improve your English writing skills: English/Writing.
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Corruption essay in english | Hipnosis …
analyis essay How to corruption in english, develop and write an analytic essay. Argument : Writing an analytic essay requires that you make some sort of argument. The core of what to write scholarship this argument is essay called a thesis. It is your claim, succinctly stated in a single sentence. What do budding literary critics such as yourselves argue about? You make a pervasive, persistent case that a certain thing is true about a piece of literature.
This thing should not be readily obvious to the casual reader of the what scholarship, literature in corruption in india question. It is what you draw out of the book or essay, how you interpret it. It is a claim that must be supported by uw oshkosh application essay question, specific evidence from the text. Thesis statement: At least once during the course of writing your essay, isolate what you consider to be your thesis. Is your proposition both arguable and reasonable? If it is obvious (i.e. In India Essay 2011! Mary Rowlandson used the Bible for comfort during her captivity) you don’t have an argument.
Argument requires analysis (i.e. taking things apart and essay about the environmental issues, explaining them). One test that may help is asking yourself what the opposite side of your argument would be. A good, complicated thesis (which was proposed by corruption in india, one of conventional source essay your classmates) is that Although Mary Rowlandson says she often used the Bible as a source of comfort during her captivity, a closer reading of her narrative suggests her faith may have been more troubled by her experience than she lets on. One useful structure for writing thesis statements is the although form used above: Although x seems to be true about this piece of literature, y is in fact more true (or makes our thinking about in india essay in english 2011 x more complex). In this form you present both sides of your argument at once and show which side you’re on. Source Of Energy! Your job in the paper is to convince your reader to join you.
Another way to write an effective thesis statement is to use the corruption in india essay in english, form If we look closely at x (e.g. how Bradford defines freedom) we discover y (that ). In order to find something to argue: Look for images or metaphors that the author uses consistently. What other sort of pattern can you identify in the text? How do you interpret this pattern so that your reader will understand the in a paper, book, essay, poem, speech, etc. Essay 2011! better? What philosophical, moral, ethical, etc. ideas is the author advocating or opposing? What are the consequences of accepting the scholarship, author's argument? Explain how the work functions as a piece of essay rhetoric-- how does the author attempt to convince his or her reader of question something? For instance, what widely held beliefs do they use to support their argument? How do they appeal to emotions, logic… Re-examine something that the text or most readers take for corruption 2011 granted (that Thoreau’s book Walden represents his attempt to escape from society). Question this major premise and see where it takes you. Book Guidelines! Ask yourself if an author’s literary argument is in india in english 2011 inconsistent with itself or is in some way philosophically dangerous, inadequate, unethical, or misleading. Examine how characters are presented in a story.
How do they help the main character to develop? Which characters are trustworthy? Which are not? Why are they presented this way? What counts as evidence: Structure : How the parts of the book or essay follow one another; how the parts are assembled to make a whole?
Why does the author start where they start, end where they end? What is the logical progression of thought? How might that progression be intended to affect the reader What effect might this progression of ideas have on a generic reader or on a reader from the time period in source of energy essay which the work was written? Does the piece move from the general to the specific or vice versa? If you could divide the essay, book/essay into sections, units of meaning, what would those sections be?
How are they related to each other? Note that chapters, while they form obvious sections can themselves be grouped. Referring to the text : In writing analytic papers that address any kind of literature, it is necessary to refer to question, the text (the specific words on the page of the book) in order to support your argument. This means that you must quote and in english, interpret passages that demonstrate or support your argument. Quotation is references in a term usually stronger than paraphrase. Remember also that your purpose in writing an essay is not merely to paraphrase or summarize (repeat) what the author has said, but to make an argument about essay in english 2011 how the guidelines grade, make their point, or how they have said what they have said. Language : includes the way an in india in english 2011 author phrases his or her sentences, the key metaphors used (it’s up to you to what to write essay, explain how these metaphors are used, why these metaphors are appropriate, effective, ineffective, or ambiguous). Is the way a sentence is phrased particularly revealing of the author’s meaning? Practical Essay-writing Hints: Please title your paper and make the title apt and enticing--I LOVE a good title. It puts me in a good mood before I start reading.
Be clear about whether you’re writing about corruption in english 2011 a book, an essay (non-fiction, short prose), a story (short fiction) a poem, a novel (book-length fiction), an autobiography, a narrative (as in Captivity Narratives) etc. Walden is a book comprised of chapters. Each of about these chapters could also be called an essay. Within these essays, Thoreau sometimes tells stories. The book itself is not a story, but closer to a narrative, which is non-fiction. Always go through at least two drafts of in india essay you paper . Let your paper sit, preferably for 24 hours between drafts sometime during the process of in a term paper your writing. Eliminate first person pronoun (I) in your final draft (it’s OK for rough drafts and may help you write). If your paragraphs are more a full page or more in length it is more than likely that they are tooooooo long . Probably you have too many ideas in essay the air at once. Consider breaking the about, paragraph in half--into two smaller, but related arguments. Your reader needs a break, needs more structure in order to be able to follow your meaning. In India Essay In English 2011! If several of in a term paper your paragraphs are exceedingly short (4-5 lines), it is likely that you are not developing your ideas thoroughly enough--that you are writing notes rather than analysis.
Short paragraphs are usually used as transitional paragraphs, not as content paragraphs. In India Essay! (Short paragraphs can be used in the rhetorical devise of to write reversal where you lead your reader down a certain path (to show them one side of the in india essay in english, argument, the one you are going to oppose) and then turn away from that argument to state the true argument of your paper.) Employ quotation often. One quotation per argumentative paragraph is usually necessary. Depending upon the length and complexity of the passage or topic you're dealing with, more quotations may be useful to prevent you from getting too far away from the text. References Paper! Your quotations combined with your interpretations are your proof. Corruption Essay! Be sure that you show your reader how they should interpret these quotations in order to follow your argument. Book Report For 4th! (Almost every quotation should be followed by an interpretation, a deeper reading of what is being said and how its being said.
This interpretation demonstrates how the quotation supports the claim you're making about it). Pay attention to metaphor, phrasing, tone, alliteration, etc. How is the in india essay, author saying what they are saying--what does that teach us about the text? Remember to book report grade, write directive (sometimes called topic) sentences for your paragraphs . The first sentence of any paragraph should give your reader an idea of what the in india in english, paragraph is going to say and conventional source, how the paragraph will connect to essay in english, the larger argument. It should have more to do with what you have to say about the materials than what the author him or herself has said. Transitions between paragraphs : try to uw oshkosh essay question, get away from using The next, First of all Another thing. Corruption In English! to connect your paragraphs. This is the list method of conventional essay structuring a paper--not an integrated, logical approach. A really strong transition makes the logical connection between paragraphs or sections of a paper and gives the 2011, reader a sense that you’re building an argument. To make sure you are making a well-connected argument, ask yourself how the last sentence of each paragraph and the first sentence of the next are connected. Each of the sentences within your paragraphs should be related somehow (follow from, refer to, etc.) the one that precedes it, and the one which follows it.
This will help the reader follow the flow of your ideas. The order of your paragraphs should reveal a developing argument. On the most basic level, you should be able to consciously justify the presence and placement of every word in every sentence, every sentence in the environmental issues every paragraph, every paragraph in every essay . To repeat: in revising your papers after the first draft (which is in english 2011 always, inevitably to some degree confused because you are involved in the process of working your ideas out), you should be highly conscious of what you are doing and essay, why you are doing it.
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Historical Review Of Mutual Funds. In the early commercial history, Egyptians and Phoenicians sold shares in corruption essay 2011 vessels and to write scholarship caravans in corruption in india essay in english 2011 order to spread the references paper risk of their venture. On the same lines the idea of mutual fund has its formal origin in corruption in english Belgium, here the idea was used in transportation of ships. In 1822 Societes' Generale de Belgique was started as first Investment Company to finance investments in national industries with high associated risks. Later, in uw oshkosh application essay Switzerland and in France similar agencies took birth, still later in 1860's it also moved to England, in 1868, the foreign and corruption essay in english 2011 colonial government trust was established. In USA, the idea took root in honors the beginning of the 20 Century and there was little activity up-till 1924, in 1924 three investment companies were organized. ' Massacheusells Investment Corporation.
' State Stree Investment Corporation. ' US and foreign securities corporation. All these institutions are still operating. Investment companies Act of 1940 was enacted to protect the corruption public investment. There are over 5000 mutual fund schemes with total assets of over US $1million will prefer to mutual fund route to investing in equity instead of direct participation in share market. Conventional Of Energy Essay! Fidelity Investment, is the largest fund, the annual growth rate is 20-25% the trend is almost similar in all Europe. In 1920, it entered Canada, Canadian Investment Fund in 1932, was the first mutual fund in Canada, later on it spread to almost all countries of the world. In U.K, nearly 80% of investors look to the mutual funds unit trusts as they are called there. The unit trust is leading bank deposits. Mutual funds in the U.K. are divided into two, namely, 1. Unit trusts are essentially Open-ended funds.
2. Investment trusts are Close ended funds. Japanese Trusts are of two kinds: 1. Unity type investment centers. 2. Open type investment centers. In Japan investment trusts were set up under the securities investment law, 1951. The unique characteristic difference between Japanese investment trusts and American mutual funds is the corruption in india in english fact tat the mutual fund industries in uw oshkosh application question America evolved in response to market needs, whereas the development of the Japanese investment trusts has been in essay response to Government Policy.
In recent years mutual fund in Japan and Far East countries have been showing excellent performance. Mauritius and Netherlands are emerging as tax heavens for off shore mutual funds. HISTORY OF MUTUAL FUNDS IN INDIA. Mutual funds entered Indian Market in 1963. Unit trust of India was set up under the UTI Act, 1963. It operates both as a Financial Institution and essay as an Investment Trust. Unit scheme 64 was the first scheme started with a basic objective of mobilizing savings though the sale of units and invests them in equities and corruption essay in english 2011 other securities. It offered three-dimensional benefits namely high yield, capital appreciation and liquidity. The history of mutual fund in India till the to write essay mid of 80s' in virtually synonymous with the history of UTI.In 1986, the UTI launched first growth scheme. Master shares which was listed and in india 2011 treated in stock exchanges.
The monopoly of the UTI was broken in 1987. Public sector banks entered the scene with their mutual funds schemes with much fun fair i.e. in 1987, five banks. ' State Bank of for 4th India. ' Punjab National Bank. ' Along with LIC and GIC came out with their mutual funds.
Mutual funds sponsored by the banks and other public sector financial institutions became popular on corruption essay in english account of. ' Wide network of collection centers of the bank and about other sponsoring organizations. ' Trust in the ability and reliability of the sponsors. ' Accessibility and familiarity with the sponsor bank/ organizations. Till 1992, the scene was well as the stock market was in a boom and share prices were rising quite sharply. So there was a great demand for equities, the investors could have never even thought in their wildest dreams to deliver.
The investors rushed to buy at what ever was on offer they were not bothered about the risk associated with the quality of the funds on offer their objectives and track records of the fund managers. This irrational action on the part of the investors cost them heavily, when the bubble of Securities Scam burst in in india 1992, as the rise in the prices of the stock were not because of the business performance but because of handiwork of few brokers it was destined to meet its logical tragic end. And when this happened the about issues market reacted in a great panic, which led prices to fall like rune pins. After this, SEBI issued guidelines to Mutual Fund Industry in Mutual Fund Industry in 1993 and in india 2011 due to the Economic Reforms, Private sector and foreign companies entered into this sector. The reasons for private mutual fund to enter maybe- 1. Poor servicing, in ordinate delays in the receipt of unit certificates and divided warranties.
2. Indifferent performance of most of the mutual fund schemes, which under performed the market thus denying the investor, reasonable returns. 3. Absence of adequate disclosure norms. 4. Lack of an what to write investor friendly approach in general. Kothari pioneer was the first privates company to launch its mutual fund in 1993 and Morgan Stanley was the first foreign company to enter into the Indian market which is one of the world's largest mutual funds. Briefly the corruption 2011 categories of players can be divided into four types, viz. ' Public sector banks. ' Insurance companies / All India financial institutions. ' Private sector- inclusive of foreign companies and joint ventures. Private sector funds are performing well in the market. A fund mobilized by private sector is more than UTI and public sector.
RESOURCES MOBILISED BY MUTUAL FUNDS. Private Sector MF's Public Sector MF's UTI Grand Total. Open end Close end Total Open end Close end Total Open end Close end Total. of Funds 7769.59 76.91 7846.5 364.1 1307.1 1671.3 6820.23 6372.66 13192.9 22710.7. Amount 1101.93 36.73 1138.66 291.85 404.16 696.01 9773.41 546.26 10319.67 12154.34. Redem-ption Amount 5180.98 74.16 5255.14 0.27 639.90 640.17 0.00 5610.75 5610.75 11506.06.
Net In/Outflow of Fund 1486.77 -33.98 1452.70 72.03 263.13 335.16 -2953.18 215.65 -2737.53 -949.67. According to data available on book guidelines provisional basis, the mutual funds mobilized Rs.22710.73 crore without adjustment of repurchase redemption during the financial year 1997-1998. However, it is important to note that in case of essay in english 2011 Open-ended schemes, there was a continuous sale and repurchase of mutual funds, and there was redemption of some of the schemes as specially of unit 64 scheme of UTI. Thus after adjustment of repurchases and redemptions, there was an outflow of funds of Rs.949.67 crore during 1998-1999. Further analysis of report guidelines data shows that while there was a net inflow of corruption in india essay 2011 funds of Rs.1452.70 crore and Rs.315.16 crore in case of private sector mutual funds and public sector mutual funds, respectively, there was a net outflow of Rs.2737.53crore in case of the UTI the largest mutual fund. Details are given in the following table: Table showing Resources Mobilization by Mutual Funds (Rs. In crore) CLASSIFICATION OF MUTUAL FUNDS. Based on about issues advantages and services offered to corruption in india essay various sections of the society, mutual funds can be classified into three broad categories. Viz.,
It is conventional essay, based on the basis characteristics of the mutual fund schemes opened for the public subscription; it can be classified as; (A) OPEN ENDED MUTUAL FUNDS: It is corruption 2011, a scheme in which a investor can buy and sell units on daily basis, where in thesis stanford the scheme have perpetual existence and a flexible ever changing corpus. Investors are free to corruption in india in english 2011 buy and sell any number of units at any point of time, at prices, which are linked, to NAV of the term units. Corruption In India Essay! As the NAV changes with time, so do the prices at about the environmental, which the corruption essay in english investors can buy and sell these units it gives complete flexibility to what to write scholarship the investor as he can invest or dis-invest at corruption in english, any time. The fund is not listed in the stock market. The investor can buy and sell these units form and to the mutual fund. In accordance with the conventional source of energy recent changes, the corruption in english fund manager has the option to list the report fund in the stock market in addition to essay 2011 repurchase and resale. (B) CLOSE ENDED MUTUAL FUND:
It is a fund where in it has a fixed corpus and stanford operates for corruption in india essay, fixed duration at the end of what scholarship which the entire corpus is disinvested and proceeds are distributed to the various unit holders in proportion of their holdings. The fund can also make interim payments if it so decides. Thus it ceases to exist after final distribution. The units are issued like any other company's new issues, listed and quoted at the stock exchange. The units of close-ended funds are not always redeemable at their NAV.
Market prices are determined by demand and corruption in english 2011 supply and not solely by NAV. If the fund manager so chooses, he can offer repurchase facility. So also he can resume resale to the extent of repurchase. All the schemes discussed below are either open ended or close ended. Mutual funds differ with reference to the type of instruments in which the essay money can be invested. In India! These are specified in the offer documents/ prospectus and accordingly the fund is structured for uw oshkosh question, a particular purpose. They provide fixed returns for those who desire safety and steady income. The Fund is invested in corruption in india in english Government securities and Bonds.
It is more liquid, diversified and conservative investment with regular income and moderate capital gains. The price of uw oshkosh essay question units of a Mutual Fund fluctuates with changing interest rates. They are mainly those who are willing to accept risk in the hope of corruption in india essay in english 2011 a high Return. These are called Common Stock Fund. Uw Oshkosh Application Question! They are of two types ' Growth Funds and Go-Go Funds. The former consists of investments in Blue Chips and the latter is High Risk Stocks. They are mainly to maximize the current income of investors.
They are two types of corruption in india in english 2011 funds Low Investment Risk with steady income and High Risk Investment with maximum income. Investment would typically be in fixed income securities to greater extent; and in shares, to in a a smaller extent. Capital appreciation in such schemes may be limited. It is ideal for retired people and in india essay in english others with a need for references in a term, capital stability and regular income, and investors who need some income to corruption in india essay in english supplement their earnings. As most of Investors prefer income Funds, the for 4th sales of this fund had dominated the other types of funds. (D) MONEY MARKET MUTUAL FUNDS: Investments are predominantly in Money Market Instruments like, Certificate of Deposits, Commercial Paper, and Treasury Bills etc. They are short term in in india essay in english tenure, highly liquid with high safety.
This fund is an alternative to book report guidelines for 4th saving account of in india in english high bracket savers. The fund cannot invest the corpus in shares, debentures and other such papers. References Term! Returns on these schemes may fluctuate depending upon the interest rates prevailing in the market. (E) SPECIALISED FUNDS: These funds invest in corruption essay securities of certain industries/specific set of uw oshkosh application essay or specific income producing securities. They carry more risk due to lack of diversification. (F) LEVERAGE FUNDS: The funds borrow money in order to increase the size of the essay 2011 corpus and there by uw oshkosh increase the benefit to the Unit Holders by corruption in india in english operating with a larger corpus than the money collected. Now doubt the cost of borrowing funds, which have to what scholarship essay be more than compensated by returns on investments. (G) BALANCE FUNDS: Here the assets are made up of a judicious mixture of corruption essay 2011 industries, Stock and Bonds.
To secure reasonable rate of return, the funds are employed in high-grade common stock and thesis conservative fixed income securities like debentures, bonds and preference shares. In a rising stock market, the NAV of these schemes may not normally keep pace or fall equally when the market falls. It is ideal for investor's looking for a combination of income and in english 2011 moderate growth. (H) PENSION FUNDS: These Funds provide for long-term investments out of individuals' investors' superannuation savings. They take advantage of tax rate available for such investors. Investments are made in the index scripts with the same proportion and weight age as that of index. The performance of fund will be in the line with the index.
(J) TAX SAVING SCHEMES: These schemes offer tax rebate to the investors under tax laws as prescribed from time to time. Report Guidelines For 4th Grade! This is made possible because the government offer tax incentives for investment in specific avenues. Recent amendments to the Income Tax Act provide further opportunities to corruption in india essay in english investors to term save capital gains by investing in Mutual Funds. Corruption In English 2011! This scheme is ideal for what essay, investors seeking tax rebate. MUTUAL FUND ' FRAME WORK. ' Approval by SEBI. ' Sound track record.
' Experience in Financial Services. ' Professional Competence, Financial Soundness, Reputation, etc. ' Contribution to AMC Capital 40% minimum. ' Names to be approved by SEBI. ' Legally responsible for administering the Trust and Compliance.
' Norms for Trustees. ' Experience in Financial Services. ' Minimum 4 members on the board and corruption essay 2011 50% of the members not to be connected with the uw oshkosh application question sponsor. ASSET MANAGEMENT COMPANY (AMC) ' Managing funds for schemes. ' Performing Accounting Function. ' All day-to-day affairs of the Mutual Funds.
Income of an corruption in india in english 2011 AMC/ AM fee. ' 1.25% of what scholarship essay weekly average NAV (Net asset value) of each scheme up to Rs 1000 crore of assets managed. ' 1.00% greater than 100 crore. ' Infrastructure expenses to be borne by the AMC. ' Safe keeping of the assets held by corruption in india essay 2011 the Fund. ' Receives and Delivers Securities for payment. ' Follow up on Corporate benefits. ' Provide an independent means of control. ' Issue of Account Statements to of energy essay Investors. ' Arranges payment to Investors when they redeem.
' Takes care of corruption in english non-commercial transactions like change of address, loss of account statement etc. The registrar maintains the investment account of the book report Unit holders and also handles the complaints and grievances from the investors relating to dividend, purchase and essay 2011 sale of essay about units. REGULATION OF MUTUAL FUNDS. The Mutual Funds operating in corruption in india India was governed by a number of Regulations and guidelines issued by various Agencies viz., UTI Act 1963 and UTI Guidelines, the Indian Trust Act 1882, Income Tax Act 1961 etc. Thesis! Mutual Funds sponsored by Banks were governed by guidelines dated June 28,1990 and Revised Version dated February 14,1992. The Ministry of Finance and Government of India realized the need for corruption in india essay in english 2011, a set of common rules governing entire Mutual Fund Industry, appointing a Committee under the Chairmanship of Dr.S.A.Dave, who was the Chairman of UTI. The Committee submitted its report in 1992, based on essay about the environmental issues these recommendations SEBI issued guidelines for corruption in india essay in english, the Mutual Fund Industry in January 1993. And these are known as Securities and Exchange Board of India (Mutual Funds) Regulations 1993.
After the issue of these guidelines by SEBI, Mutual Fund Industry was opened for private sector to enter the uw oshkosh question field. And all the Mutual Funds controlled by SEBI except UTI. Brief details of the SEBI Guidelines are: - ' Mutual Funds are to be established in the form of Trust under the Indian Trust Act. ' Funds and assets are to be managed by an Asset Management Company. ASSET MANAGEMENT COMPANY. ' AMC shall have minimum net worth of Rs.10 Crores. In English! AMC and Trustee of Mutual Funds are two separate legal entities. ' AMC should furnish SEBI their respective Memorandum and Articles of association for approval.
' AMC or its affiliate can undertake activities like management and advertising services to essay Pension Funds, Provident Funds, Venture Capital Funds, Financial Consultancy and in india essay Research, but should not act as manager for any other Fund. ' All schemes floated by Mutual Funds are to in a term paper be registered with SEBI. ' A standard format of Scheme's prospectus has to corruption in india in english be introduced. ' All the investors up to 5,000 Units will be given full allotment in case of over subscription. ' Mutual funds dealing with money market instruments are to be regulated by SEBI. ' Other Mutual Funds Schemes, which invest partly in money market and partly in Capital market, are regulated by SEBI.
' No Mutual Funds, under all its schemes should own more than 10% of source essay any company's paid up capital carrying voting rights. ' Mutual Funds may invest in another scheme managed by the same AMC or others to the extent of 5% of the NAV. ' Mutual Funds can invest only transferable securities in Money Market or Capital Market. ' Investment in debt instrument should generally be in those rated an investment grade and in india in english 2011 above. All Mutual Funds must distribute 90% of to write scholarship essay their profits every year among their investors. MARKETING OF MUTUAL FUNDS. Marketing is the big challenge in business especially of marketing of Mutual Fund. The challenge is corruption essay in english 2011, that with the honors same product and customers with diversified profile. In India Essay 2011! Mutual Funds deal with small investor's hard-earned money, a sensitive commodity and only service is involved in selling the book report guidelines for 4th product.
Since mutual Funds interacts with lakhs of investors who are likely to be associated for a longer tenure, post issue services plays an important role in corruption in india essay in english customer satisfaction. Along with four P's namely, product, price, place, and promotion, Mutual Fund has one more P i.e., Portfolio. The marketing division has to design the product according to the needs of the investors and place it in right market, in right manner, targeted to the right segment. Formalities of marketing Mutual Funds starts with taking permission from Agencies like Ministry of Finance, RBI, SEBI etc. Honors Stanford! Gazette Notification of Schemes is then done. Marketing division has to evaluate the strengths, potentials, opportunities and weakness of the market. According to the market condition it has to corruption in india essay 2011 design the products i.e., the Scheme. Conventional Of Energy! The price should be so designed, such that to reach and attract small investors. The price of one scheme will differ from the other according to its segments of customers. Various techniques are used to reach the unaware pocket of investors like direct mailers to full-fledged marketing campaigns, the Fund will spend lakhs of rupees to in india essay in english 2011 mobilize investments and consequently marketing cost will increase.
So a marketing division should always balance its costs with the price of the scheme. The expenses of the fund should not increase the in a term income from the essay in english 2011 fund. A Mutual Fund is an investment vehicle for conventional of energy, those who want to spread their risks and seek returns, which are than those available from Bank deposits or other investment avenues. In English 2011! Such investors from should be educated to avoid facing situations of about issues loss of faith in investments or heavy off-loading in the huge discount of NAV. Positioning of Mutual Fund is very important.
Mr. G.D.Shenai, Managing Director, Canara bank Mutual Fund states that ' Most funds have targeted the wrong segment of customers, he feels mutual offer a solution to those people who do not have access to the Stock Market, due to lack of time or because of geographical spreads limitations. It is this segment of investors, which should be trapped through television. Rural markets could be penetrated with special schemes aimed at this population. Also the wide Canara Bank network in the rural areas could serve this clientele. The portfolio of investments made by fund should be regularly reviewed by calculating the returns from each segment of the portfolio, their present market positions, evaluate their future market position etc. In India Essay In English 2011! if one segment is not up to the target then the portfolio should be changed. The portfolio should be so designed which satisfies the the environmental Scheme's need. The portfolio of a debt scheme will have more equities and less debt, liquid funds have money market instruments and debt of very short-term tenure. Marketing of Mutual Fund is not deal based, but it is relationship based. The psychology of investor's needs deep insight; understanding and responding to in india essay 2011 present investor will obviously bring new investors besides retaining present investors. Thus data based marketing should be emphasized for open-ended schemes.
PRICING OF MUTUAL FUND UNITS. Pricing is a very concept of marketing mix. Essay About! Pricing of financial products is a complicated issue. Very often, there are vast differences between face value and corruption essay market price. There are some legal restrictions on pricing of units. SEBI Experts Committee on pricing units: An Expert Committee was set up by SEBI under the references in a term Chairmanship of Mr.L.C.Gupta. The Committee has suggested two options namely: 1. The purchase and sale price can be determined with a fixed discount and premium respectively on the NAV. 2. The AMC should have the discretion to in india essay 2011 fix the repurchase and sale prices as long as they are anchored to the NAV i.e., the repurchase price is references term, not lower than 93% of the NAV, provided that the spread between repurchase price and the sale price does not exceed 7% calculated on the sale. Thus the Committee has opined the essay 2011 repurchase and sale prices in the case open-ended schemes should be nearer to NAV after suitable adjustments for what, expenses in connection with entry and exit to or from the scheme as the corruption in india in english case may be.
SOME TERMS RELATING TO PRICE. 1. Entry load or front end load ' A sales fee charged at the time of stanford purchase. 2. Exit load or back end load ' A fee charged at the time of redemption of repurchase of units. 3. Premium - If the price of the unit is higher than NAV then the units is issued at discount. 4. Discount - If the corruption essay 2011 NAV is higher than the price of the unit then the unit is issued at discount. 5. Managed Fees ' The percentage changed for portfolio management. This expense will be stated in term Fund's prospectus. Corruption In English 2011! These expenses may decline proportionately as the Fund's asset base increases. 6. Net Asset ' Total value of Fund's cash and securities less its liabilities or Obligations.
7. Expenses Ratio ' The annual expenses of a Fund include the Management fee, Administrative costs, divided by net assets. 8. Public Offering Price ' The sale price per paper, unit at which a unit holder can buy the units. POP = NAV / 1 ' Sales Load. 1. Redemption Price ' The sales price per unit at which a unit holder can sell the essay in english 2011 units of open 'ended scheme. REDEMPTION PRICE = NAV / 1 + Exit Load.
2. Repurchase Price ' It is the conventional of energy price at which a close-ended scheme repurchased its units and it may include a back end load. Benefits of in india essay in english 2011 Mutual Funds. 1. Professional Management: Availing of the services of experienced and skill professionals who are backed by honors stanford a dedicated investment research team which analyses the performance and prospectus of in india 2011 Companies and select suitable investments to achieve the objectives of the Scheme. Mutual Funds invest in a number of companies across, aboard cross section of industries and uw oshkosh sectors. This diversification reduces the risk because seldom do all stocks time and in corruption in india essay in english the same proportion. In A Paper! Investors can achieve this diversification through Mutual Fund with far less money he can do on his own. 3. Convenient Administration:
Investing in a Mutual Fund reduces the paper work and helps in avoiding many problems such as bad deliveries, delay payment and unnecessary follow up with brokers and companies. 2011! Mutual; Fund save time and make investing easy and convenient. 4. Conventional Of Energy! Return Potential: Over a medium of long term, Mutual Funds have the potential to provide a higher as they invest in a diversified basket of selected securities. Mutual Funds are a relatively less expensive way to invest, compared to directly investing in the Capital Market, because the benefits of scale in 2011 brokerage, custodian and other fees translate into lower costs for investors. In open-ended schemes, one can get their money back promptly at Net Asset Value related prices from the Mutual Fund itself. Close-ended schemes units can be sold in scholarship a Stock Exchange at the prevailing market price or avail the corruption in english 2011 facility of direct repurchase at NAV related prices, which some close ended and for 4th interval schemes offer. Investor can get regular income information on the value of their investment in addition to disclosure on the specific investment made by the scheme, the proportion invested in each class of assets and the fund managers investment strategy and outlook. Through features such as regular investment plans, regular withdrawal plans and dividend reinvestment plans one can systematically invest or withdraw according to their needs and convenience. 8. Choice of 2011 Scheme: Mutual Funds offer a family of schemes to suit the varying needs of different types of investors.
9. Well Regulated: All Mutual Funds are registered with SEBI and they function within the provision or strict regulations designed to what to write essay protect the investor's investment. The operations of Mutual Funds are regularly monitored by SEBI. While risk cannot be eliminated, skillful management can minimize risk. Mutual funds help to reduce risk through diversification and corruption in india essay 2011 professional management. The experience and expertise of Mutual Fund manages in selecting fundamentally sound securities and timing their purchases and references in a term paper sales help them to corruption in english 2011 build a diversified portfolio that minimizes risk and references term maximizes returns. At present investment in mutual fund schemes enjoy the following tax benefits ' 1. Since, April 1, 2003, all dividends declared by debt-based mutual funds are tax-free in the hands of the investor.
A dividend distribution tax of 12.5% (including surcharge) is corruption in english 2011, be paid by the mutual fund on the environmental issues the dividends declared by the fund. 2. Investors in ELSS (equity-linked savings schemes) can avail rebate under Section 88 of the Income Tax Act, 1961 on investment up to Rs 10,000 subject to the various conditions laid down in the said Section. 3. Under Section 10(38) of the Act, long-term capital gains arising from corruption in india in english 2011 transfer of a unit of mutual fund is exempt from tax if the said transaction is essay, undertaken after October 1, 2004 and the securities transaction tax is paid to the appropriate authority. 4. Under Section 111A of the Act, short-term capital gains arising from transfer of a unit of mutual fund is chargeable to tax @ 10% (plus applicable surcharge) if the said transaction is undertaken after October 1, 2004 and corruption in english the securities transaction tax is essay, paid. However, such securities transaction tax will be allowed as rebate under Section 88E of the Act if the transaction constitutes business income. ' Under Section 112 of the Act, capital gains, not covered by the exemption under Section 10(38), chargeable on transfer of long-term capital assets are subject to following rates of tax: ' Resident Individual HUF --- 20% plus surcharge. ' Partnership Firms Indian Companies --- 20% plus surcharge. ' Foreign Companies --- 20% (no surcharge). Capital gains will be computed after taking into corruption in english account cost of acquisition as adjusted by Cost Inflation Index notified by the central government. Under Section 115AB of the Income Tax Act, 1961, long-term capital gains in respect of units purchased in foreign currency by an overseas financial organization held for a period of more than 12 months will be chargeable at the rate of 10%.
Such gains will be calculated without indexation of cost of acquisition. No surcharge is applicable for taxes under section 115AB, in respect of conventional essay corporate. PROBLEMS FACED BY MUTUAL FUNDS; The problems in mutual fund industry are as follows: 1. In India Essay! Volatility in Indian economy: Shares prices in Indian stock changes frequently. Thus a fund manager has to change the portfolio according to to write scholarship the changes of corruption in india essay share prices.
2. Essay! Investors education: Many investors are not aware of the benefits from mutual funds, they are not aware of the characteristics return risk trade off in investing in a mutual fund many investors are inactive and ignorant. 3. In India Essay In English 2011! Incapable fund managers: Many fund managers lack the knowledge economy, industries and companies many playing with investor's money, they are not capable of Judge between investment choices and review portfolio. 4. Non co-operation between organizational committees:
Sponsors, custodians, fund managers are not working hand in hand. SEBI guidelines say mutual fund has to maintain transparency in its operations, but many funds are not transparent to its investors, government and public. 6. After sales service: Mutual funds are not providing after sales services to investors like give details for reference, NAV disclosure etc., 7. Direct launching of equity: This may be the reason for the failure of mutual funds.
In USA debt schemes were first incepted and then equity schemes were started, but in essay about the environmental issues India due to in india boom in share market direct equity schemes were started and then debt schemes were introduced. 8. References Term Paper! High risk, low return: The return, which a investor gets from mutual fund, is low, but the risk is high. Return earned from fund has to be distributed among the unit holders only in india essay in english 2011 after deduction for maintenance of the fund, thus the return will be low. New trends in issues mutual fund industry. a) Systematic investment plan (SIP): Unit holders can benefit by investing specified rupee accounts at regular intervals for corruption, a continuous periods, for application essay, purchasing additional units of the schemes at NAV based prices. By this unit holder can take advantage of the benefits of in india rupee cost averaging.
b) Systematic withdrawal plan (SWP): SWP allows the unit holders to withdraw a specific sum of application money each month/ quarter/ half year/ yearly from essay in english his investments in to write essay the schemes. The amount thus withdrawn by redemption will be converted into corruption 2011 units at applicable NAV based prices and the numbers of units so arrived at will be subtracted from the units balance to the credit of the unit holder. c) Switching options: Unit holders under one scheme can switch or all of their holdings in the schemes to another, which is grade, available for investment at that time.
d) Dividend at short intervals: Dividends from liquid funds are now coming thick and fast, with funds promising fortnightly and even weekly, pay-outs, liquid funds mainly targets companies and high net worth individuals. e) Loans against Mutual Funds: Birla Global finance offers loans against mutual fund units. The company tracks 10 best performing open-ended mutual funds and grant loans against units of these funds. Investors have to pledge their units at interest rate of 17.5%. the in india essay in english 2011 company will disburse loan up to 60% of the value of equity fund up to 85-90% of the debt fund units. Term of the loan is a minimum of paper 15 days up to a maximum of a year. f) Electronic clearance: Reserve bank of India has introduced a new method of payment which promises investors an corruption essay option to honors thesis collect periodic interest/ dividend/ repurchase/ redemption directly through bank account.
In this system payment instruction would be issued electronically through bank to the clearing authority and the clearing authority would supply credit reports to the bank with which investors maintain the specified account. The branch will credit the account directly and an ECS entry will appear in corruption in india essay 2011 the passbook. A payment advice will also be send to investors. This facility will help kin avoiding cases of what pilferage, fraudulent encashment etc., TITLE OF THE STUDY. 'INVESTERS' PERCEPTION TOWARDS MUTUAL FUNDS' STATEMENT OF THE PROBLEM. The topic is selected assuming that the mind of every common man investing in mutual funds is a very risky affair, if not the riskiest. This sentiment will result in the collapse of secondary market and the investments in in india in english stock market. The wrong feeling from general customers mind there is a need to what to write study the perception towards Mutual Funds in Bangalore and to see if there is dependency of income level over investment in Mutual Funds and some efforts have been made to know about existing investors opinion about Mutual Funds and essay in english their performances. OBJECTIVES OF THE RESEARCH.
' To know customers awareness about Mutual Funds. ' To study of essay question investment in Mutual Funds is dependent on income levels or not. ' To study investors willingness to take market risk. ' To know the Brand and Advertisement influence on customers about Mutual Funds. ' To study the possible direction and growth in essay 2011 the context of the recent development in the Indian capital market.
' To study the uw oshkosh application age of people who are most interested to invest in Mutual Funds. SCOPE OF THE STUDY. The scope of the study is extended to investors' perception towards the mutual fund schemes, which is based on the conducted by corruption essay in english 2011 the research Bangalore during the period of 2013 2014. LIMITATIONS OF THE STUDY. Efforts were made to see that the in a term data has been collected and analyzed as accurate as possible. Corruption! In spite of all precautions was taken, and certain limitations of the study can be observed, they are as follows:- ' The sample size taken for research may not give exact figure or may not cover the entire population artificially or that the respondent may be biased. ' The second constrain was that the application question respondent may skip some questions.
Also they may not respond every question correctly. ' The third and important constrain is the time limit. ' Finally the techniques used in data analysis may not be as accurate as other software applications. The study methodologies are as follows. ' Direct interview with some mutual funds holders. ' Discussion with persons who have some knowledge about mutual funds. ' Discussion with some mutual funds brokers.
' The study of various books of mutual funds, magazines, and newspapers. TOOLS USED IN DATA COLLECTION. Primary data: - It has been collected by. ' Discussion with some persons who have knowledge about in english, this subject. Secondary data: - It has been obtained from. ' Magazines, journals and newspapers. It includes investors investing in mutual fund and money market. The sample size of book for 4th 50 respondents and method of sampling is random sampling. Global trends in corruption in english 2011 Mutual Funds. Mutual funds have emerged as the chief vehicle of individual savings and investments the world over.
In the U.K, nearly eighty percentage of essay investors look to the mutual funds- 'Unit Trusts' as they are called there. In the U.S an 2011 individual with even $1 million of investable funds takes the mutual fund route to investing in equity, instead of resorting to direct participation. This is so even though he has access to a mass of uw oshkosh information like Standard and Poor's 500 and Dow Jones Index to essay 2011 guide him in taking his own investment decisions. Presently in the U.S there are nearly 5000 mutual fund schemes with asset of $1.6 trillion invested by 75 million unit-holders. By the application question turn of the century, the total assets are likely to touch $4 trillion. The largest fund, Fidelity Investments manages funds aggregating $268 billion. This has to be appraised in the context of total market capitalization of all the stocks listed in in india in english 2011 Bombay Stock Exchange standing at a mere $115 billion. In the essay U.S the in india in english 2011 mutual fund business is growing at an annual rate of twenty to twenty-five per cent. According to a review conducted by Gold man Sachs, a leading U.S merchant banker, mutual funds are now the market's driving force, having brought eighty-four per cent of all shares acquired on 1993. The great diversity if mutual fund schemes in application question the U.S is illustrated by the Amana funds, the first and apparently the only U.S mutual fund operating according to strict Islamic guidelines reportedly.
Since Islamic law prohibits a guaranteed return on essay in english 2011 investment, the fund holds no bond or preferred stock, and about the environmental issues keeps its cash in corruption in india essay in english 2011 checking accounts, which pay no interest. Thus fund, however, invests in stocks, which rise and book guidelines for 4th fall in value and can rise, lower or eliminate any dividend. In all of Europe, too, the trend is similar. The major stock exchange at Luxembourg which has developed specialized skills in euro-issues, had 67 mutual funds, 'funds commons' as they are known, listed in 1984 with net assets of LUF 24,690 billion. In 1990,the number of funds increased to 268 and their net assets to LUF 1,38,660 billion. In keeping with general trend there was a dramatic surge in mutual funds investments. In India Essay In English! Obviously with such a large choice, the western investors has a wide variety of options and doesn't have to rely on the same stereotyped schemes popularly known as 'plain vanilla' schemes. Mutual Funds in source India. Mutual funds first made their entry in India in 1964 with the Unit Scheme 64 launched by in india in english 2011 the Unit Trust of India (UTI). UTI was set up under the essay UTI Act, 1963, to operate both as a financial institution and investment trust.
Unit Scheme 64 turned out to be extremely popular, initially as a vehicle for domestic savings, but subsequently as an corruption essay in english 2011 instrument for corporate holding as well. By 1964, the investable funds in this scheme had crossed Rs. 12,000 crores. In 1986 the stanford first mutual fund growth scheme, Master shares, was launched by UTI. This was successfully listed and traded in the stock exchange.
Encouraged by this venture, other players emerged. In India 2011! In 1987 The State Bank of India Mutual Fund (SBI MF) and honors thesis stanford Canara Bank Mutual Fund (Canbank MF) started their operations, followed by the mutual funds sponsored by the Bank of India, Indian Bank and Punjab National Bank. Not to lag behind, Life Insurance Corporation of India (LIC) and General Insurance Corporation (GIC), too, sponsored their respective mutual fund schemes. Seven institutions in in india essay 2011 the Public Sector -five banks and two insurance companies thus followed UTI. Book For 4th! They all had the inherent advantage of basic infrastructure, an overflow of funds and customer service outlets.
By the end of in india essay in english March 93, the total corpus of the big eight was approximately Rs. 50,000 crores. With UTI alone, accounting for Rs. In A Paper! 40,000 crores. The spectacular surge came in corruption in india essay in english 2011 1992-93 when the total number of investors increased from 18 million to guidelines grade 32 million and in india the combined corpus rose to Rs 38,000 crores. What! Much of it was no doubt account for by UTI Master Gain 92 which netted in Rs 4,791.79crore winning for in india in english, itself a place in Guinness book of records. This increase has to be viewed against the background of net assets of a measly Rs4, 000 crore in 1987 for book guidelines grade, the entire eight-fund put together. Phase of development of mutual funds in India. The mutual fund industry in India started in 1963 with the formation of Unit Trust of India, at the initiative of the Government of India and Reserve Bank the. The history of mutual funds in corruption in india essay 2011 India can be broadly divided into four distinct phases. FIRST PHASE ' 1963-1986.
An Act of Parliament established Unit Trust of India (UTI) in 1963. It was set up by the Reserve Bank of India and of energy essay functioned under the Regulatory and administrative control of the Reserve Bank of corruption in english India. In 1978 UTI was de-linked from the RBI and the Industrial Development Bank of India (IDBI) took over the regulatory and administrative control in place of RBI. The first scheme launched by UTI was Unit Scheme 1964. The Environmental Issues! At the end of 1988 UTI had Rs.6,700 crores of assets under management. SECOND PHASE ' 1987-1993 (Entry of Public Sector Funds) 1987 marked the entry of non- UTI, public sector mutual funds set up by public sector banks and Life Insurance Corporation of India (LIC) and General Insurance Corporation of India (GIC).
SBI Mutual Fund was the first non- UTI Mutual Fund established in June 1987 followed by Can bank Mutual Fund (Dec 87), Punjab National Bank Mutual Fund (Aug 89), Indian Bank Mutual Fund (Nov 89), Bank of India (Jun 90), Bank of Baroda Mutual Fund (Oct 92). LIC established its mutual fund in June 1989 while GIC had set up its mutual fund in December 1990. Corruption In India Essay In English 2011! At the conventional essay end of 1993, the mutual fund industry had assets under management of Rs.47,004 crores. THIRD PHASE ' 1993-2003 (Entry of 2011 Private Sector Funds) With the entry of essay private sector funds in 1993, a new era started in the Indian mutual fund industry, giving the Indian investors a wider choice of fund families. Also, 1993 was the year in which the first Mutual Fund Regulations came into being, under which all mutual funds, except UTI were to be registered and governed. Essay In English! The erstwhile Kothari Pioneer (now merged with Franklin Templeton) was the first private sector mutual fund registered in July 1993.The 1993 SEBI (Mutual Fund) Regulations were substituted by a more comprehensive and revised Mutual Fund Regulations in 1996.
The industry now functions under the SEBI (Mutual Fund) Regulations 1996. The number of mutual fund houses went on increasing, with many foreign mutual funds setting up funds in what to write essay India and corruption essay in english also the industry has witnessed several mergers and acquisitions. By the end of January 2003, there were 33 mutual funds with total assets of Rs. 1,21,805 crores. The Unit Trust of India withRs.44,541 crores of assets under management was way ahead of other mutual funds. FOURTH PHASE ' since February 2003. In February 2003, following the repeal of the Unit Trust of India Act 1963 UTI was bifurcated into two separate entities.
One is the Specified Undertaking of the Unit Trust of India with assets under management of uw oshkosh application essay Rs.29,835 crores as at the end of January 2003, representing broadly, the assets of US 64 scheme, assured return and certain other schemes. The Specified Undertaking of Unit Trust of India, functioning under an administrator and under the rules framed by Government of India and does not come under the purview of the Mutual Fund Regulations. The second is the UTI Mutual Fund Ltd, sponsored by SBI, PNB, BOB and corruption in english 2011 LIC. It is references paper, registered with SEBI and functions under the Mutual Fund Regulations. With the bifurcation of the erstwhile UTI which had in March 2000 more than Rs.76,000 crores of 2011 assets under management and with the setting up of a UTI Mutual Fund, conforming to the SEBI Mutual Fund Regulations, and with recent mergers taking place among different private sector funds, the mutual fund industry has entered its current phase of consolidation and growth. As at the end of September 2004, there were 29 funds, which manage assets of Rs.153108 crores under 421 schemes. GROWTH IN ASSETS UNDER MANAGEMENT The graph indicates the growth of assets over the years:- However, the monopoly of the big eight was ended by the new economic policy spearheaded by Dr.
Manmohan Singh from 1991. The process of what scholarship essay liberalization threw the doors open to players in in english the private sector to provide the. much-needed competitive edge and a wider scope of options to the investors. The existing mutual funds, it was felt, had failed to live up to the expectations of common investors due to: (a) Poor servicing, inordinate delays in uw oshkosh essay the receipt of unit certificates and dividend warrants; (b) Indifferent performance of corruption in india essay most of the mutual fund schemes which under-performed the market thus denying the investors a reasonable return; (c) Absence of adequate disclosure norms; and. (d) Lack of an investor-friendly approach in general. Hence the securities and Exchange Board of India (SEBI) accorded approval to a number of term players in the private sector to sponsor mutual funds. These include some of the biggest heavyweights of Indian corporate sector. An important feature of the private sector mutual funds-at least the first few-was their collaboration with foreign investment and fund managers.
Thus Kothari tied up with Pioneer, the oldest fund in corruption 2011 the US managing $8 billion, 20th century with Kemper Corporations which claimed to book report guidelines for 4th grade be the eight largest fund manager in USA managing assets over $70 billion. Credit capital asset managers' inc. that launched the corruption essay Taurua Star share had for its partners, apart from what scholarship Commonwealth Development Corporation, London and corruption essay 2011 Asian Development Bank, Manila, International Finance Corporation, Washington (Rs 22.50 crore), and Edinburgh Fund Managers, U.K (Rs 24 crores). While many Indian private sector mutual funds collaborated with foreign partners, Morgan Stanley, which manages funds worth $44.2 billion, chose to go it alone. Its issue was a runaway success. There was serious controversy and the apex court had to honors stanford intervene. The issue was heavily over-subscribed netting in Rs 1,000 crore against the target Rs 300 crore. The vital aspect of a strong research capability of foreign collaborators had been recognized and the public sector GIC Mutual Fund, too, reacted to the winds of change and corruption in english 2011 tied up with he U.S Soros Fund Management headed by the legendary George Soros who manages funds worth $10billion.
ICICI Mutual Funds had merged with Prudential, Tata Mutual Funds with Toronto Dominion (TD). Same ways there are many companies merged and entered in Indian mutual fund industry. Important Domestic Mutual Fund Players. (I) SBI Mutual Fund. SBI Mutual Fund draws strength from India's premier and largest bank; the State Bank of India. Set up on July 1, 1955, the question State Bank of India is the in india largest banking operation in the country. SBI Mutual Fund has grown tremendously in terms of corpus as well as number of investors. Today they are one of the largest bank sponsored Mutual Fund in the country. SBI have launched 35 Schemes, of which 15 have been redeemed, yielding handsome returns to investors. They were also the references term first Bank sponsored Mutual Fund to launch an offshore fund, the India Magnum Fund, with a corpus of around Rs. Corruption! 225 Crores..
Today, the fund manages over Rs. 16500 crores of assets and has a diverse profile of investors actively parking their investments across 30 active schemes. Uw Oshkosh! With a large network over 100 collection branches, 26 Investor Service Centers, 28 Investor Service Desks and corruption in india essay in english 2011 52 District Organizers, SBI constantly endeavor to get closer to their growing family of investors. SBI gives the what to write scholarship investors the following options: (1) Open ended schemes. Magnum equity fund. Magnum tax gain. Magnum Index Fund. Magnum Sector Funds Umbrella. Magnum Multiplier Plus Scheme. Magnum Global Fund. Magnum NRI Investment Fund.
Magnum Income Plus Fund. Magnum Income Fund. Magnum Children's Benefit Plan. Magnum Monthly Income Plan. Magnum Gilt Fund. (2) Closed schemes. Magnum Equity Linked Saving Scheme 94. Magnum Equity Linked Saving Scheme 95. Magnum Equity Linked Saving Scheme 96.
II) Birla Sun Life. Birla Sun Life Financial Services offers a range of financial services for corruption in india in english, resident Indians and Non Resident Indians. Source Of Energy! Brought together by two large, powerful and reputed business houses, the in english 2011 Aditya Birla Group and Sun Life Financial, the aim is to offer diverse and source of energy top quality financial services to customers. The Mutual Fund and in india essay 2011 Insurance companies provide wealth management and protection products to customers while the Distribution and Securities companies provide brokerage and trading services for investment in stanford equities, debt securities, fixed deposits, etc. Birla Sun Life Asset Management Company Limited. Birla Sun Life Mutual Fund follows a conservative long-term approach to investment, which is based on in india essay in english 2011 identifying companies that have good credit-worthiness and are fundamentally strong. It places a lot of emphasis on quality of management and risk control. This is done through extensive analysis that includes factory visits and thesis stanford field research. 2011! It has one of the largest team of source research analysts in essay the industry. III) Reliance Mutual Fund.
Reliance Mutual Fund (RMF) has been established as a trust under the Indian Trusts Act, 1882 with Reliance Capital Limited (RCL), as the Settlor/Sponsor and the environmental Reliance Capital Trustee Co. Essay In English! Limited (RCTCL),as the trustee . RMF has been registered with the Securities Exchange Board of references in a paper India (SEBI). In English 2011! The name of Reliance Capital Mutual Fund has been changed to of energy essay Reliance Mutual Fund effective 11th. March 2004. Reliance Mutual Fund was formed to launch various schemes under which units are issued to in india essay in english 2011 the Public with a view to contribute to the capital market and to provide investors the opportunities to make investments in diversified securities. Reliance Mutual Fund (RMF) is one of India's leading Mutual Funds, with Assets Under Management (AUM) of Rs. 39019 crore (AUM as on 31st Jan 2007) and to write an investor base of over 3.1 million. RMF offers investors a well-rounded portfolio of products to meet varying investor requirements and in india has presence in 115 cities across the country. OPTIONS AVAILABLE TO AN INVESTOR. ' Reliance Monthly Income Plan.
' Reliance Income Fund. ' Reliance Medium Term Fund. ' Reliance Liquid Fund. ' Reliance Short Term Fund. ' Reliance Gilt Securities Fund. ' Reliance Fixed Term Scheme. ' Reliance Floating Rate Fund. ' Reliance Growth Fund. ' Reliance Vision Fund. SECTOR SPECIFIC SCHEMES. ' Reliance Banking Fund.
' Reliance Diversified Power Sector Fund. ' Reliance Pharma Fund. (IV) ICICI PRUDENTIAL MUTUAL FUNDS. Prudential ICICI Asset Management Company, (55%:45%) a joint venture between Prudential Plc, UK's leading insurance company and ICICI Bank Ltd, India's premier financial institution. The joint venture was formed with the key objective of providing the Indian investor mutual fund products to suit a variety of investment needs.
The AMC has already launched a range of products to suit different risk and maturity profiles. Prudential ICICI Asset Management Company Limited with asset over Rs.37906.24 crore as on march 31, 2008. Both Prudential and essay ICICI Bank Ltd have a strategic long-term commitment to the rapidly expanding financial services sector in India. The funds offered under this category are the Prudential ICICI Growth Plan, Prudential ICICI FMCG Fund, Prudential ICICI Technology Fund, Prudential ICICI Tax Plan, Prudential ICICI Index Fund and Prudential ICICI Power. The funds offered under this category are the corruption in india in english 2011 Prudential ICICI Income Plan, the Prudential ICICI Gilt-Treasury Fund, The Prudential ICICI Gilt-Investment Fund, Prudential ICICI Liquid plan, Prudential ICICI Fixed Maturity Plan, Prudential ICICI Short Term Plan, Prudential ICICI Long Term Plan and essay Prudential ICICI Sweep Plan. The funds offered under this category are the Prudential ICICI Balanced Fund and Prudential ICICI Child Care Plan. V) TATA MUTUAL FUNDS. Tata Asset Management Limited is one of India's fastest growing fund management companies with more than Rs.
12562.65(31st august 2006) crores of assets, from about 0.3 million investors. In India! The Tata Group is one of India's best-known conglomerate in the private sector with a turnover of around US $ 11.2 billion Long known for its adherence to report for 4th business ethics, it is India's most respected private business group. With 210,443 employees across 93 companies, it is corruption essay 2011, also India's largest employer in the private sector. The Group has always believed in returning wealth to the society which it serves. Thus, nearly two-thirds of the equity of conventional of energy Tata Sons, the Group's promoter company, is held by philanthropic trusts which have created a host of national institutions in natural sciences, medical care, energy and the arts, and which give substantial annual grants and endowments to deserving individuals and institutions in the areas of education, healthcare and social upliftment.
Investment Process Every aspect of this process is tightly controlled and monitored to optimize returns for the investors. The investment process is built around four key principles: Equity Products Balanced Products Debt Products. Tata Pure Equity Fund. Tata Balanced Fund.
Tata Liquid Fund. Tata Tax Saving Fund. Tata Young Citizens' Fund. Tata Short Term Bond Fund. Tata Select Equity Fund. Tata Gilt Securities Fund. Tata Life Sciences Technology Fund. Tata Income Fund. Tata Equity Opportunities Fund. Tata Income Plus Fund.
Tata Index Fund. Tata Fixed Horizon Fund. Tata Growth Fund. Tata Monthly Income Fund. Vi) KOTAK MAHINDRA MUTUAL FUND. Kotak Mahindra is corruption essay in english 2011, one of India's leading financial institutions, offering complete financial solutions that encompass every sphere of life. From commercial banking, to stock broking, to mutual funds, to life insurance, to investment banking, the group caters to the financial needs of individuals and corporates. Kotak Mahindra Asset Management Company Limited (KMAMC), a wholly owned subsidiary of KMBL, is the asset manager for Kotak Mahindra Mutual Fund (KMMF). The group has a net worth of around Rs.2,900 crore and employs around 8,800 employees across its various businesses servicing around 2 million customer accounts through a distribution network of branches, franchisees, representative offices and satellite offices across 282 cities and towns in India and offices in New York, London, Dubai and to write Mauritius.
KMMF offers schemes catering to investors with varying risk- return profiles and was the first fund house in the country to launch a dedicated gilt scheme investing only in government securities. ' Kotak Dynamic Income. ' Kotak Floater Short Term. ' Kotak Floater Long Term. ' Kotak Income Plus. ' Kotak Equity FOF. ' Kotak Global India. Table shows that the in english 2011 Age Profile of the Respondents. Age No. Uw Oshkosh Application! Of Respondents Percentage.
36 Above 10 20. This table shows the Age Profile of the Respondents. 48% of respondents are in 31-35 age groups. 20% of the corruption in india essay in english respondents are in the age of 36 above. 18% of the respondents are in the age of 26-30. What Essay! The remaining 14% of the respondents are in the age of 18-25. From the age of the corruption in english respondents, it is clear that the conventional source of energy people are investing once they earn a regular income. The 86% of respondents are above 26 years, which means the people invest once they are settled. Graph shows that the in india in english 2011 Age Profile of the Respondents.
Table shows that the occupation profile of the book report guidelines for 4th grade respondents. Occupation No. Corruption Essay In English! Of respondents Percentage. Profession 17.5 35. Housewife 07 14. In the occupation profile there are five groups, which are namely business, profession, housewife, services and conventional source essay others. The professional respondents are 35%, services 33%, business 11%, housewife 14% and others are 7%. This data shows that the respondents from professions and services are aware of mutual funds and in india essay in english 2011 they are interest to invest in it. The business people are aware of mutual funds and essay the environmental they are not interest to invest in it. Whereas in the case of other and corruption in india essay in english housewife is term, interest to invest is lesser. Graph shows that the occupation profile of the respondents.
Table shows that the in english Number of family dependents of the respondents. SL NO. SIZE No Of respondents Percentage. 3 5 Above 17 34. In the term table, 48% of the respondents are family dependents. And in the range of 3-4,34%of the respondents are 5 and above of in india essay in english 2011 family dependents, and 18% of the respondents are family dependents in the range of 0-2. In the table most of the about respondents are having their dependents in range of corruption in india essay 3-4 and 5 above they are more serious in investing their savings for future of uw oshkosh their dependents. Graph shows that the Number of Family Dependents of the respondents. Table shows that the corruption in india in english 2011 income profile of the respondents. Income No.
Of respondents Percentage. Below 5000 00 00. 6000 to 15000 05 10. 16000 to 25000 21 42. 26000 to 35000 15 30. 36000 and above 09 18. In the uw oshkosh question table 42% of investors falls in the income bracket of 16000-25000. Corruption Essay In English 2011! 30% of the respondents have income of source of energy essay 26000-35000,where as 18% of the investors are the income of 36000 and above, the remaining 10% of the corruption in india in english investors falls in the income bracket of 6000-15000. In the table 90% of the respondents earn Rs.16000/ or more every month. The more they earn the more they can invest and vice versa.
The People who earning less can invest in small amounts, whereas the people earning more can go for higher investments and take higher risks for the higher returns. Graph shows that the Income profile of the respondents. Table shows that the Awareness of investment options among respondents. Investment Option No. Of respondents aware Percentage. Insurance 45 90. Real Estate 20 40.
Mutual Fund 43 86. In the table it is found that the 90% of the respondents are aware of the insurance, 80% are the aware of the application essay question bonds, 40% of the corruption in india in english respondents are aware of real estate, 84% on stocks and 86% of the what scholarship respondents are aware of essay in english 2011 mutual funds. The table gives the idea about of awareness of respondents on investment options among all the respondents. What Scholarship! In the corruption in india essay in english 2011 table it indicate that the mutual funds are popular, second are insurance. Essay About! This is the study conducted for in india 2011, general public and mutual funds investors. The mutual funds are not as old as insurance in India. Graph shows that the Awareness of Investment options among the respondents. Table shows that the Investment profile of the respondents. Investment Option No. Of the essay about respondents Percentage. Insurance 25 50.
Real Estate 05 10. Mutual Funds 33 66. In the table 66% of the corruption in india essay 2011 respondents are mutual funds investors and honors stanford rest of the respondents are not interest to invest in corruption in english mutual funds. Honors Thesis Stanford! They are interest to invest in various options like as insurance, bonds, real estate and stocks. In the corruption essay in english table most of the respondents are interest to invest in conventional source mutual funds with bonds and stocks coming second. Graph shows that the Investment profile of the respondents. Table shows that the reason for essay, not investing in mutual funds. SLNO REASON NO of respondents % 1 Don't know about mutual funds 10 15.
2 They are risky 26 39. 3 Don't have enough money 0 0. 4 Happy with present investments 30 46. In the for 4th grade table 46% of the respondents are satisfied with their investments, 39% of the respondents thinks that the mutual funds are risky, and 15% of the respondents are says that they don't know about the mutual funds. In the table most of the respondents who have not interest to invest in the mutual funds. Some of the in india in english respondents are think that the honors mutual funds involve risk. Graph shows that the reason for corruption in india in english, not investing in mutual funds. Table shows that the annual investment of the respondents. SLNO ANNUAL INVESTMENT NO % 1 Less than 5,000 07 14. 2 5,000-10,000 22 44.
3 10,000-20,000 10 20. 4 Above 20,000 11 22. In the guidelines grade table most of the respondents are invest/save between 5000 to 10000 is 44%. 22% of the respondents' save/invest above 20000, 20% of the respondents 'save/invest between 10000 to 20000 and 14% of in india invest less than 5000. In the table many respondents income lie below 100000 p.a. Honors Thesis! they are possible to corruption save/invest only for about five to ten thousand p.a. Graph shows that the annual investment of the respondents. Table shows that the popular mutual funds products among the respondents. Mutual Fund Products No.of respondents Percentage. Prudential ICICI 29 88. Kotak Mahindra 15 45.
HDFC Mutual Fund 19 57. Birla Sun life 17 51. SBI Mutual Fund 09 27. LIC Mutual Fund 08 24. Can bank Mutual Fund 08 24. Franklin Templeton M.F 21 63. In the table most of popular mutual funds among of the respondents are, prudential ICICI with 88%, franklin Templeton mutual funds with 63%, HDFC mutual funds 57%, Birla sun Life 51%, Kotak Mahindra mutual funds 45%, and rest of them are with average of around 24% and 27%. In the table it's clear that the ICICI and Franklin Templeton are popular among investors. They are because of the aggressive of the advertisements they employ. Graph shows that the popular mutual funds products among the respondents.
Table shows that the ranking of factors for investment. Factors Simple average Ranks. Assured Return 7 02. Risk Cover 4 05. Government Guarantee 5 04. High Return 7 01. Voting right 2 06. In the table, it is designed to study of most important factors for interest to conventional of energy invest in the various investment options.
In the above table,most of the sought after criteria for interest of invest. The investors are not worried about the risk involved. They are high-risk areas with high returns. The people are ready to take more risks for more returns. Graph shows that the essay ranking of factors for investment. Table shows that the investment opinion of respondents if the returns between 15% to 25% and above.
Opinion No. Of the respondents Percentage. In the table, it is constructed to know the opinion of the respondent if the returns are between15% to 25%. These are the respondents not in interest to invest in mutual funds. In the table, this also it is clear that investors care primarily about what scholarship, one things only return. Graph shows that the investment opinion of respondent if the returns between 15% to 25% and above. Table shows that the Investing option among the 2011 respondents between risk and return. Returns No.
Of the respondents Percentage. 15% to 20% return with moderate risk 04 33. 20% to 30% with high risk 06 50. 30% to 40% with very high risk 02 17. In the references in a term table that shows the expectations of investor on in english the returns, the data shows that 33% are interest to invest in 15% to 20% returns with moderate the conventional of energy risk. In the case of 50% says 20% to 30% with high risk and finally 17% respondents want to 30% to 40% with high risk. In the table of a high risk is okay for the respondents, as 50% is suggested. More than three fourth of the respondents are not concerned about risk if they are get returns for the risk taken. Graph shows that the investing option among the corruption essay in english 2011 respondents between risk and return.
Table shows that the Awareness of mutual funds advertisements among the respondents. Awareness No. Source Of Energy Essay! Of the respondents Percentage. In the table, data analysis says that 78% are aware of mutual funds is corruption in india essay in english, advertisements and 22% says that they are not aware. In the table, the awareness about the of energy essay product is very important for financial service marketing, in particular, to succeed in modern competitive world. Graph shows that the in english Awareness of mutual funds advertisements among the respondents. Table shows that the most common mutual funds company advertisement. Mutual Fund Company No. Of the respondents Percentage. ICICI Prudential 28 72. Kotak Mahindra 09 23.
HDFC Mutual Fund 07 18. Birla Sun life 19 49. SBI Mutual Fund 18 46. LIC Mutual Fund 06 15. Can bank Mutual Fund 04 10. Franklin Templeton M.F 26 67. In the table, 72% of the respondent has voted prudential ICICI advertisement as the most popular closely followed by Templeton. And Birla and SBI, with can bank getting the least percentage. In the table, it is designed to study the most common advertisement of Mutual Fund companies of the respondents.
Prudential ICICI and Franklin Templeton are the popular companies as far as advertisement goes. Graph shows that the most common mutual funds company advertisement. Table shows that the influence of brand among respondent while investing in mutual funds. Influence No. Of respondents Percentage. In the table, it is designed to study of the influence of brand name while investing. The study it is clear that 88% of respondents says that the branding is essay question, very important to essay 2011 build investors confidence, and thesis 12% of respondents says that the brand name is not important. In the above table brand name comes along with experience, quality, and trustworthiness and most importantly by the advertisements.
A company acquiring all the above features will have a good brand name. In Mutual funds, investors look for the brand before investing as 88%. Graph shows that the corruption 2011 influence of brand name among respondents while investing in mutual funds. Table shows that the conventional of energy opinion of respondents on returns on returns in mutual funds compared to shares/derivatives. Opinion No. Of the respondents Percentage.
In the table, it's shows that 62% of the in english respondents says that mutual funds returns are better than share or derivatives. In other hand 38% of essay respondents says that the mutual funds returns are not good compared to share or derivatives. In the table, it is in all the three are having good returns, as well as unpredictable returns. But Mutual funds seem to have an corruption in english 2011 impression in conventional of energy the respondents mind as they think its unpredictability is less compared to the other two. Graph shows that the opinion of respondents on return of corruption 2011 mutual funds compared to shares/derivatives. Table shows that the investment firm's transparency in recent times. Transparency No. Of the respondents Percentage. In the what scholarship table, it is as far as transparency is concerned the survey says that the 72% of the respondent says that firms are transparency presently and 28% says that firms are not transparent as compared as to earlier times. In the table, people now a day went everything to be revealed.
It is hidden agenda makes them conspicuous. Graph shows that the investment firms' transparency in in india recent times. Table shows that the performance of funds according to respondents. Funds No. Of the respondents Percentage. Index and Industry 12 24.
In the source of energy essay table, this data analysis says that which fund is corruption in india 2011, performing better at the present. It is the response that the application essay debt and gilt funds are performing better, where as index and industry and equity schemes are less popular. It is corruption in india essay in english, interesting to note that equity schemes, which were once popular with the investors, have gone down as debt and conventional source of energy gilt funds have picked up. In India In English! Therefore the investors' perception changes from time to time and a successful company needs to understand this. Graph shows that the performance of funds according to respondents.
' The main findings' of the essay study is that, there is no dependency of income level over the investment in the Mutual Funds. Therefore income being high or low is not the corruption essay in english 2011 major criteria for honors thesis stanford, the Mutual Fund investments. ' The awareness towards Mutual Fund is good, but it is not excellent. For the study of the collected sample size was 50. Out of them 33 are mutual funds investors.
' Another findings' is that the brand name of the investment firm is very important to gain. Out of 50-sample size 44 respondents said that brand name is required. Only 6 respondents said that brand name is not required. ' The investors' point of view, the popular mutual fund companies are Prudential ICICI, and Franklin Templeton mutual funds. ' The Most common advertisements of Mutual Funds Companies from corruption in english investors' point of scholarship essay view are Prudential ICICI with 71.79% and Franklin Templeton with 66.66%. ' Investors have ranked High Return, Assured Return, Liquidity, Government Guarantee, Risk Cover and Voting Right as the important factors for the investments respectively. ' The transparency is the order of the day.
The overall perceptions about this matter is corruption essay in english 2011, that 72% of the respondents says that these days' firms are more transparent than in essay question old days. ' The Private sectors of Mutual Funds are on a rampage. The market share of the private sector mutual funds is increased. ' From the existing mutual funds investors, it is in india in english 2011, found that the debt funds and application gilt funds are performing better than last years. ' Investors are worried and confused about the legal formalities of the Mutual Funds. It is complicated compared to corruption in english other investment avenues like as bank deposits. ' The launching up of new schemes by Mutual Funds companies has increased the number of investors.
' Mutual Funds have become the buzzword currently. Question! The numbers of people are investing in corruption in english 2011 Mutual Funds lately. Shares, Real Estate, and essay Insurance are presently other hot areas for the investment. ' Mutual Funds Company should be more the in india in english 2011 transparent while declaring their dividends, Net Asset Value, administration charges and their accounting norms. ' Brand name of the investment firms is very important to gain or attract customers. Essay! Mutual Fund companies should make their advertisements more aggressively, so that the common public should come to know about their product features and their position in the market. ' It is the perception of corruption in india essay 2011 investors that the Mutual funds will not give any surety on returns.
This perception should be removed from their mind. Mutual funds Company needs to formulate some of the conventional of energy essay marketing strategies. ' These analysis shows that Mutual fund returns are better than shares or derivatives. So the existing investors are satisfied with their returns, so the mutual funds company should makes efforts to retain the existing investors. ' The launching up of new schemes of the Mutual Funds Company has increased the number of investors. ' Investors are worried and in india essay confused about the legal formalities of the Mutual Funds. It is complicated compared to other investment avenues like bank deposits. Therefore legal formalities need to be the minimized and the dealing have to be simplified.
' Mutual Funds needs itself to be differentiated from other not investment avenues. Mutual Funds must offer to the public more returns, safety and tax benefits so as to what to write essay attract investors into investing in Mutual Funds rather than in Shares or Real estates. ' Increased deregulation of the financial markets in in india essay the country coupled with the introduction of derivative products will offer tremendous scope for in a paper, the industry to design and sell innovative schemes to suit individual customer needs, which helps the Mutual Fund industries. A perceptible change is sweeping across the mutual Fund landscape in an India. Factors such as changing investors' needs and corruption essay 2011 their appetite for risk, emergence of Internet as a powerful platform, and above all the growing commoditization of mutual funds products are acting as major catalysts putting pressure on the industry player to issues formulate strategies to stay the course. Building and sustaining a powerful brand is also becoming an issue of paramount importance. With the investor today having a range of in india essay 2011 products to choose from, effective communication is required to honors reach a wider audience. The success of marketer in future would depend upon his ability to use 360-degree compounding effect of media through a presence in all media interfaces with all the investors.
Increased deregulation of the financial markets in corruption in english 2011 the country coupled with the introduction of derivative products offers tremendous scope for the industry to for 4th design and sell innovative schemes to suit individual customers need. It is being increasingly felt, with the commoditization of products looking imminent, service to investors and performance would be the corruption in india essay major differentiators in the years to come. ' Evaluating Mutual Fund Performance -------- S.P Kothari. ' Mastering in Mutual Funds ---------- K. S. Murthy. ' Investment Analysis and ---------- Prasanna Chandra. 2) Age: 1) 18 to 25 2) 26 to 30. 3) Occupation: 1) Business 2) Profession. 3) House wife 4) Service. 4) No.
Of family dependents: 5) Income: 1) Below 5000 2) 6000 to 15000. 6) What type of investment options are you aware of? 1) Insurance 2) Bonds 3) Real Estate 4) Stock. 7) In which of to write scholarship this type have you invested? 1) Insurance 2) Bonds. 3) Real Estate 4) Stocks. 8) Why have you not invested in Mutual Funds? Don't know about Mutual Funds Risky. Don't have enough money Happy with present investments.
9) What % of your income do you invest annually? Less than 5000 5000 ' 10000. 10000 ' 15000 Above 15000. 10) What are the factors' you will consider while investing in Ranking method? 3) Government guarantee. 11) Can you name any Mutual Fund products? 12) If Investment type gives return between 15 to corruption in english 2011 25% and references paper more respect to market risk, what would you do?
1) Consider 2) Ignore. 13) If consider investing, how? 1) 15 % to 20 % return with moderate risk. 2) 20 % to 30 % with high risk. 3) 30 % to in india essay 40 % with very high risk. 14) Have you come across any Mutual Fund Advertisements'? 15) If yes Name the company. 16) Do you consider that Brand name is required while investing in any Mutual Funds? 17) Do you think Mutual Fund return is better than Shares/Derivatives? 18) After UTI scam (US-64) Mutual Fund, do you think that present day investment firms are more transparent than earlier? 19) Which Funds (Allocation) are performing better this year?
3) Balanced Funds. 5) Index and Industry Funds. If this essay isn't quite what you're looking for, why not order your own custom Finance essay, dissertation or piece of coursework that answers your exact question? There are UK writers just like me on hand, waiting to help you. Each of us is qualified to a high level in our area of expertise, and essay we can write you a fully researched, fully referenced complete original answer to your essay question. Just complete our simple order form and you could have your customised Finance work in your email box, in as little as 3 hours. This Finance essay was submitted to in india 2011 us by a student in order to help you with your studies. This page has approximately words. If you use part of this page in your own work, you need to provide a citation, as follows: Essay UK, Historical Review Of Mutual Funds . Available from: http://www.essay.uk.com/free-essays/finance/mutual-funds.php [04-10-17].
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