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Personal Essay: The Pursuit of Lifelong Learning

NDT Job Search Tips and Resources. Your job search is a project in itself, with various stages. Here are some tips to get you started toward your goal of a new job. Ask friends and family. This is not nepotism. You are merely asking around about opportunities where they work. Learner Essay. Contact everyone you know in the NDT industry to let them know you are looking for a new position. Your name may not come to mind if you’ve not told them you are on the job market. Ask in social settings. Someone in your church or other social organization may have leads. Be an active listener.

You never know what you might learn about other companies or opportunities at a meeting, while on a job site or at allusion in poetry, lunch with peers. If you are a student, ask on campus. Your professors or the university might have work available. Join ASNT and connect with the global NDT community. Membership is an investment in yourself and your career. Check with former classmate s . Some companies pay employees referral fees for finding new candidates, so a former classmate might have leads.

Try networking. ASNT offers a variety of ways to network from local section activities, to joining an ASNT committee, participating in the E-Mentoring Program or attending an Lifelong Learner Essay NDT conference , each is Technology Contribution To Developing Countries, valuable way to connect with NDT community and build your career network. Utilize career networking websites such as LinkedIn or JibberJobber; they can help in your search. Essay. Use a job search engine. Job search engines like Jobster, Dice, Indeed, and Simplyhired can narrow down your search. Banquo Prophecy. Some let you post your profile and resume. Attend career fairs. Career fairs are sometimes ideal for finding a job. Dress as you would for a one-on-one interview, and you might find yourself in one. Take a notebook, copies of your resume and Lifelong Essay, a general cover letter.

Check newspapers. Some jobs just might not be advertised online. Be selective. Don't apply to Night's jobs that you know you won't like or are not qualified for. Practice being interviewed.

Have a friend help you out, setup a video camera, then review your answers and body language. Beef up your skills. Missing a skill? Can you learn it fast? Say on Lifelong Learner, your resume that you are learning it, then do so before an interview. Know your strengths. You'll likely be asked, in an interview, what you think your strengths are, and possibly your weaknesses and realised niche, what you're doing about them. Make a list of both. Research potential employers.

Visit their Web sites and search for recent articles about Lifelong them. Prepare a list of questions. Not all job descriptions are clear. Be ready to ask for clarification in allusion an interview. Don't overreach. It's good to be positive, but be realistic about what work you are qualified for. Be patient. Work might be hard to come by. Keep trying.

If you are willing to wait, then stay on top of industry news. Remember NDT is part of a broad scope of industries. You may have experience in the pipeline industry that can serve an employer in Learner the nuclear industry well. Be flexible. Many NDT positions may require that you relocate or take an assignment away from home. Allusion. An adventuresome spirit is Lifelong Learner Essay, frequently part of an NDT career. Opposite. Keep Building Your Skills. Practice your writing skills.

In today's Internet oriented world, good communication skills are crucial. Technical writing and documentation seems to be a weak point for many. Stay updated. Read and Lifelong, subscribe to relevant weblogs, magazines, and journals. Use web feed subscription tools. Attend NDT professional conferences. Take refresher courses.

You may not get a job in educating rita essay your first interview round. Consider some refresher courses before you rewrite your resume. ASNT Refresher Courses and others offer a variety of NDT educational and training opportunities to enhance your skill set. Lifelong. Start a blog. Demonstrate your knowledge of a topic related to a field you'd like to be employed in banquo prophecy by writing a blog and Essay, mentioning it in your resume. Educating Rita Essay. Do some volunteer work. Find something you like doing and volunteer. ASNT has many ways to Get Involved.

This is a great way to show depth of interest in the industry on your resume. Learn networking skills. Finding the Lifelong Essay, ideal job usually means knowing the of MNCs To Developing Countries, right person at the right time. Do not apply to a company multiple times if the positions do not match your experience and Lifelong Learner Essay, skills. Recruiters notice multiple submissions, and banquo prophecy, it reflects poorly on a candidate if he or she applies for jobs that aren’t a good fit. Below is a list of Lifelong, skills and characteristics that employers, including NDT, have stated they want to see in an employee. Opposite. You may be surprised to see what was not mentioned. Most people would think this means to speak and write well.

In reality, employers want an Lifelong Learner employee that is first willing to listen. Employers become frustrated when an employee shuts them out, showing disrespect to allusion in poetry the boss. Employers do not want to have to tell you each and everything to Learner do. For example, on your own initiative, clean the equipment, catch up on paperwork or learn a new skill? An employer must be able to trust you on a job site with customers. There are many times when it is just you and rita essay, the customer. Learner Essay. The employer must know that you will do nothing to harm the educating rita essay, customer, the reputation of the company or even the NDT industry. This does not mean chatting with everyone about your personal problems.

Leave your emotional baggage at the door. Only speak professionally with the Essay, other staff or customers. Good people skills include showing respect for educating essay, everyone at all times. For instance, using a person's proper title and last name is Learner, important. Never call a customer by their first name unless they make the realised niche, request. Obeying all the rules and regulations in NDT is critical to your safety and others. Part of following instructions is also recognizing who is the Essay, boss. Do not attempt to opposite of turgid go around the boss. If you have a problem with the boss, first talk directly to the boss. NDT professionals, all day long, must be able to recognize and solve problems.

Critical thinking means that you are capable and Essay, willing to work on a problem until a proper solution is found. It means that you will not give up and look to someone else to solve the problem for you. Most NDT occupations have a scope of expertise or special certification requirements. These are regulations that outline what any worker within a particular area can legally do. You must know and Contribution To Developing Essay, follow the Lifelong, scope of practice for your field. There is nothing in any NDT field that even comes close to being a game. Employers want someone who works well with others for the common good of the customer and the company.

Egos should be checked at the door. When there are many experienced applicants for a job, employers are more likely to offer the job to educating rita essay the person who has an outstanding attitude. The applicant’s attitude isn’t measured objectively. Learner. Usually it is revealed during the job interview, and the employer weighs it intuitively. Realised Niche. It may have struck you that competence in the field was not listed above.

Employers expect that you will be qualified to perform the basic duties of the job because you will have demonstrated the appropriate skills during the Lifelong Learner, interview process. Everything else listed above is expected in addition to competence. Educating Rita. Employers value employees who can do the job well, who are committed to the work and the mission of the organization, who have a positive attitude toward the job and toward their co-workers. Lifelong Essay. Organizations and Sites that are Helpful in opposite NDT Job Searches and Career Information. This is a directory of educational institutions engaged in teaching nondestructive testing (NDT). The listing is Lifelong, divided into sections according to the type of institution offering instruction: vocational /technical schools generally offer a course of study leading to a diploma or an associate’s degree; junior colleges generally offer a course of study leading to an associate’s or bachelor’s degree; senior colleges generally offer courses of study leading to a bachelor’s, master’s or doctoral degree; industrial/corporate institutions offer professional training, which may or may not include some form of certification or diploma. PQNDT, Inc.: publishes NDT salary data. PQNDT (Personnel for Quality and rita essay, Nondestructive Testing) is a commercial job placement company.

Registered users can take advantage of a number of job placement features such as posting a resume and searching help wanted postings. NDT Resource Center (Iowa State CNDE) Sponsored Iowa State University’s Center for Nondestructive Evaluation, the comprehensive site provides information and materials for NDT and NDE technical education. The site was created by NDT professionals and educators from Lifelong Learner, around the world. Inspection Jobs is an online job board for a variety of inspection jobs including NDT. is an on-line job board for NDT professionals. is a worldwide NDT careers search engine. Contribution Of MNCs Essay. Choose NDT is an invitation to young people exploring careers to learn about nondestructive testing (NDT) and the variety of jobs available in this dynamic field. Copyright 2017 The American Society for Nondestructive Testing.

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Lifelong Learning | SkillsYouNeed

Lifelong Learner Essay

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FreePage (single use) SMS inform (single use) Plagiarism Report (single use) 50$ to your bonus balance which you can use in 365 days 100$ to Essay your bonus balance which you can use in Essay 365 days. 2. Essay? Promotional Period. The promotion begins on 7.18.2017, at 9:00 am and in poetry, ends on 7.28.2017 at 10:00 pm. This Privacy Policy (Policy) describes how information about You is collected, used and disclosed and provides other important privacy information, describes when and how we may change this Policy, and tells You how to Lifelong Learner contact us with any questions or comments. We collect information about You and computer(s) You use when You use our Services or otherwise interact with us. Personal Information means information that we directly associate with a specific person or entity (for example: name; addresses; telephone numbers; email address; payment information; device location etc.). Client, User, You and Your refers to you, the person accessing this Website and Shadow, accepting these Privacy Policy. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same. HOW INFORMATION ABOUT YOU IS COLLECTED. We collect information about You in three primary ways: Information You Provide.

We collect information that You provide to us when You apply for and use and/or purchase our Services or otherwise communicate with us. For example, some of the ways You may provide information to us include: When You purchase our Services, the Learner, payment system will require your personal, contact, billing and realised niche, credit information. When You establish or modify Your user account online, We may collect user identification information, passwords, and/or security question responses that You will use for future sign-on. When You interact with our Customer Service representatives, enter information on our Website, submit survey responses, or pay for Lifelong Services, we may also collect Personal Information and other information. We may monitor and allusion in poetry, record phone calls, e-mails, live chats, or other communications between You and our Customer Service representatives or other employees or representatives. Information We Collect Automatically.

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We may help advertisers better reach our customers by Technology Contribution Countries Essay providing certain customer information, including geographic information, language preferences or demographic information obtained from other companies. This information is used by Learner advertisers to determine which ads may be more relevant to You. To Developing Countries? However, we do not share Personal Information outside of our corporate family for advertising purposes without Your consent. WHEN WE SHARE INFORMATION COLLECTED ABOUT YOU. We do not sell, license, rent, or otherwise provide Your Personal Information to unaffiliated third-parties (parties outside our corporate family) without Your consent. Essay? We may, however, disclose Your information to unaffiliated third-parties as follows: With Your Consent. We may disclose Personal Information about You to third-parties with Your consent. Essay? We may obtain Your consent in Lifelong Essay writing; online, through click-through agreements; when You accept the terms of disclosures for certain Services; orally, when You interact with our customer service representatives. We encourage You not to share Your password.

If You provide Your user account password and/or security question responses to third parties they will have access to Your Personal Information when they access Your user account with Your account password. To Our Service Providers. We may disclose information to third-party vendors and realised niche, partners who complete transactions or perform services on our behalf (for example, credit/debit card processing, billing, customer service, auditing, and marketing). In a Business Transfer. We may sell, disclose, or transfer information about Lifelong Learner, You as part of realised niche a corporate business transaction, such as a merger or acquisition, joint venture, corporate reorganization, financing, or sale of company assets, or in Lifelong Essay the unlikely event of insolvency, bankruptcy, or receivership, in which such information could be transferred to third-parties as a business asset in the transaction. For Legal Process Protection.

We may disclose Personal Information, and other information about of turgid, You, or Your communications, where we have a good faith belief that access, use, preservation or disclosure of Learner such information is reasonably necessary: to satisfy any applicable law, regulation, legal process or enforceable governmental request; to enforce or apply agreements, or initiate, render, bill, and collect for banquo prophecy services and products (including to collection agencies in order to obtain payment for our products and services); to protect our rights or interests, or property or safety or that of others; in connection with claims, disputes, or litigation in Lifelong Learner Essay court or elsewhere; to facilitate or verify the appropriate calculation of taxes, fees, or other obligations; or. in an emergency situation. We may provide information that does not identify You personally to third-parties for allusion in poetry marketing, advertising or other purposes. HOW WE STORE AND PROTECT THE INFORMATION COLLECTED ABOUT YOU. Protecting Your Information. We use a variety of physical, electronic, and Lifelong Learner Essay, procedural safeguards to protect Personal Information from unauthorized access, use, or disclosure while it is under our control. Unfortunately, no data transmission over the internet can be guaranteed to be completely secure. As a result, although we will utilize such measures, we do not guarantee You against the loss, misuse, or alteration of Personal Information under our control, and You provide Personal Information to us at Your own risk. You should always take care with how You handle and disclose your Personal Information and should avoid sending Personal Information through insecure e-mail, social networks or other internet channels. Retention and allusion, Disposal.

We retain information only for as long as we have a business or tax need or as applicable laws, regulations and/or government orders allow. When we dispose of Personal Information, we use reasonable procedures designed to Essay erase or render it unreadable (for example, shredding documents and wiping electronic media). PRIVACY POLICY UPDATES. How We Communicate Changes to This Policy. We may update this Policy at any time to provide updates to opposite or clarification of our practices. If we make changes we may provide You with additional notice (such as adding a statement to the homepage of Lifelong Learner Essay our Website or sending You a notification).

You should refer to this Policy often for the latest information and realised niche, the effective date of any changes. This web site is owned and operated by Viatta Business Ltd . A Partner is an individual who refers customers. Lifelong Learner? A Referral is an opposite, individual who requests a service via the referral link given by a Partner. With the first order, a Referral acquires a 15% discount on the order, while a Partner receives $50 to Essay the Referral Balance. With further purchases, a Partner earns 5% of the allusion, Referrals total order price. All money earned with the Referral Program is stored on your Referral Balance.

A Partner can transfer the money to Lifelong the Bonus Balance and opposite of turgid, use it to purchase a service. It is Learner Essay, possible to transfer the sum to the Partners PayPal account (no less than $20).

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Wearable Tech to Sustainable Food: The 2015 Business Plan Competition. The Venture Finals of the latest Wharton Business Plan Competition, which for 17 years has placed teams of students from throughout the University of Pennsylvania before a panel of judges, featured more than the usual diversity of Learner Essay, ideas. This years Great Eight, who vied for more than $128,000 in combined cash prizes and services, included four teams led by undergraduates. Allusion? Three of the eight were led by women. Lifelong Essay? And one included Wharton graduate students from both the Philadelphia and allusion in poetry, San Francisco programs. By days end, finalists had presented, among other ideas, a wearable technology that verbally identifies what a visually impaired person holds before his or her eyes; a sustainable system in which waste from a fish tank is converted to food for Lifelong Learner Essay plants that yield fruits and vegetables on the rooftops of supermarkets, and a collection of luxury outerwear and accessories whose linings are designed by established artists or, perhaps, by the wearer. The competition this year featured 175 teams and educating rita, included 537 participants from 10 schools at Essay, Penn. More than 360 judges vetted the first round of competitors. Allusion? The 25 teams that advanced to Lifelong Learner the semifinals were divided into three tracks: health care, technology and other.

The eight finalists represented Whartons undergraduate and graduate schools and Whartons executive MBA program, in banquo prophecy addition to Penns College of Learner, Engineering and College of realised niche, Arts and Sciences. Each finalist had 10 minutes to pitch to the judges who represented CoVenture, Karlin Asset Management, DreamIt Ventures, Devon Hill Capital Partners, InSparq and ExamWorks Group followed by 10 minutes of follow-up questions. Here, in alphabetical order, are descriptions of the eight finalists business plans. Which would you choose? At the end of the article, learn how your pick compares with the BPC panels choices. Bungalow Insurance: Wharton MBA students Tom Austin and Zack Stiefler noticed a disconnect between insurance providers and the millennials that represent the next generation of potential customers. Millennials prefer to research and purchase insurance online, but they often are routed to in-person agents who, in turn, peddle inappropriate plans.

They noted that most millennials (67%) rent their homes and dont own cars (55%), but just 37% of renters have the appropriate insurance. With Bungalow Insurance, Austin and Stiefler said, a simpler use of data and design will help to capitalize on a marketplace they find has too much friction for younger consumers. Property managers, the pair noted, increasingly require renters insurance and Lifelong, are educating tenants on Night's Shadow Essay Bungalows behalf. The companys near-term strategy is to integrate with partner services. Anything that touches a renter cable companies, moving companies, things like ZipCar, things like Uber those can be potential partners to get people renters insurance, Austin said. One avenue of particular interest is online rent payment. During their presentation, Austin shared a mock-up of a proposed integration with one of the largest online rent payment companies in the country.

At the bottom of the page, he noted, all weve done is included a check-box next to a line that says, Add renters insurance for as little as $10/month. This is how renters insurance should be sold. This is taking the friction out of the process. Thirty percent to Lifelong Learner Essay 50% of the people Bungalow has surveyed have said they would check the banquo prophecy, box. Ultimately, Austin and Stiefler see a potential for long-term connections with customers, leading to direct-to-consumer sales as renters become buyers. Fever Smart: When Collin Hill, a Wharton undergraduate student and a co-founder of Fever Smart, faced chemotherapy treatment for Stage 4 Hodgkins lymphoma, he noticed a need for the continuous monitoring of his body temperature. Were taking things that already work and Learner Essay, are simply combining them in a new way. Julia Kurnik. That was the of turgid, impetus that led him, along with Wharton undergraduate Aaron Goldstein, University of Pennsylvania engineering student William Duckworth and Lifelong Learner, 2014 Penn graduate Becca Goldstein to create Fever Smart.

A small electronic device the Brain Unit is attached to the patient via a disposable patch. The device monitors body temperature and, using a nano-Bluetooth chip, transmits data in real-time to a Relay Unit in Technology of MNCs Essay the same room. The patent-pending Relay Unit sends the data to Fever Smarts servers. A parent or a health care provider can use any Internet-connected device to monitor the patients fluctuations in temperature. Lifelong Essay? They also can set alerts for banquo prophecy when temperatures reach unsafe levels. The company set a goal of Lifelong Essay, $40,000 for realised niche its Indiegogo crowdfunding campaign; it raised $62,986. Learner? During the past six months, sales have grown to more than $150,000. At about $130 for the smart-device application, the Bluetooth thermometer and realised niche, 10 patches supplemental patches are about $8 for 10 Goldstein and his team see potential for Lifelong additional revenue in subscription models and via institutional purchases that could ease demands on staffing at health care centers.

FOCUS Foods: As the global population grows its expected to exceed nine billion by 2040 the sustainability of rita essay, organic food sources increasingly is in jeopardy. Agriculture accounts for more than 80% of potable water use, even as news of widespread droughts dominates headlines. Julia Kurnik, a Wharton MBA student, pitched a solution that would cut water costs by 95% and entirely eliminate the Essay, need to use fertilizer and realised niche, pesticides: Aquaponics, which combines soil-free agriculture (hydroponics) and fish-farming (aquaculture) in a nearly closed-loop system. Fish waste is pumped into a hydroponic system, where bacteria break it down into nitrates and Lifelong, nitrites, feeding the plants. That filters the water, which returns to the fish tanks. Were taking things that already work, Kurnik said, and are simply combining them in a new way. Aquaponics is a proven method of growing produce and To Developing, protein-rich fish, but FOCUS Foods aims to bring such systems to the rooftops of the Lifelong, supermarkets that sell the food. Within a greenhouse, fruits, vegetables and fish can be harvested year-round. The financial and environmental costs of banquo prophecy, transportation and Lifelong Learner Essay, distribution are virtually eliminated.

Kurnik and her partner, Geoff Becker, have a partnership with Browns Super Stores, which operates a chain of realised niche, ShopRites in Greater Philadelphia. She estimated that a 60,000-square-foot rooftop system would cost about $400,000 to build. (A smaller prototype has been operating since February at one such supermarket.) Eventually, FOCUS Foods wants to build stand-alone farms to supply produce and Lifelong, fish for farm-to-table restaurants. KidFoods: A 30% drop in time devoted to child care and Shadow, housework. Essay? A 50% jump in the number of Technology of MNCs To Developing Countries, working mothers. A 40% increase in demand for food thats healthy, fresh and natural. Considered together, those factors, as presented by Wharton MBA students Rishi Reddy, Neil Vangala and Jessica Winschel, account in part for a child-focused food market worth $30 billion. Their answer: KidFoods, a subscription service that each Sunday night, for $60, will deliver four lunches and four snacks, as designed by an in-house chef and nutritionist.

Menu designs incorporate themes Geometry Week, for example, offers a variety of foods arranged by Lifelong Essay, shape and are targeted at mothers with children ages 3 to 12. KidFoods, Winschel said, already has established relationships with key bloggers in the Philadelphia area. Contribution Of MNCs To Developing Countries? The potential for connections with community influencers, including parent-teacher associations and, perhaps, schools as a whole, has led the trio to project that 275 recurring customers would yield $1 million in sales. Prayas Analytics: Online retailers such as Amazon know everything about their customers, said Yash Kothari, a senior in Lifelong Learner Whartons undergraduate program. He and Pranshu Maheshwari, also a Wharton undergraduate senior, co-founded Prayas Analytics to give brick-and-mortar retailers similar data. We think this is just the start of the opposite, movement to quantify the offline world the way the Lifelong Essay, online world has been quantified. Pranshu Maheshwari. We want to quantify the entire retail store, Maheshwari said. Imagine if you had the offline equivalent of an online browsing history.

If you [knew] Customers 1, 2 and 3 took this path through the store, looked at these three products and eventually bought this fourth product, thats incredibly powerful information that retailers dont have right now that their online counterparts do, and banquo prophecy, are able to make a lot of use of it. Prayas uses software to Learner Essay analyze the feeds of security cameras already in place, collecting continuous data on, among other things, queue length, speed of service and customer abandonment. Within a week of the implementation of allusion in poetry, a pilot program, one store learned that installing line stanchions had reduced customer abandonment by 33%. And even better than that, even bigger than retail, Maheshwari said, the technology that were developing in Lifelong Learner image analysis and realised niche, image processing will be able to help us analyze things in more industries transportation, health care, even government. Lifelong? We think this is just the start of the movement to realised niche quantify the Learner Essay, offline world the Shadow, way the online world has been quantified. Silver Lining: Billed as outerwear for optimists, the Lifelong Learner Essay, classically designed outerwear and accessories of essay, this company feature linings designed in collaboration with established artists. Forty percent of Silver Linings jackets, meanwhile, are unfinished shells into which digitally printed, customized linings can be installed with minimal turnaround. Team leader Rel Lavizzo-Mourey, a Wharton MBA student at San Francisco, is the founder and designer. Essay? The 6% of gross profits that Silver Lining has pledged to support arts education speaks to her background Lavizzo-Mourney has an undergraduate degree from Princeton in banquo prophecy education policy and Learner, visual arts.

The company, which includes Wharton MBA students Miriam Williams and Pav Dharwarkar (San Francisco), has completed its first round of production to banquo prophecy deliver on more than $28,000 of pre-sales a successful Kickstarter campaign and $5,000 in sales at a recent San Francisco pop-up store yielded an average jacket order of $610. Silver Lining is aiming for the luxury market and predicts 65% average gross margins, with a total market-share goal of Learner, nearly $1 billion. Soceana: Long before she founded Soceana, a technology platform that helps corporations manage and promote corporate social responsibility, Tess Michaels was volunteering in hospitals, soup kitchens and homeless shelters. Banquo Prophecy? Her interests, however, often didnt match the tasks to which she was assigned. She felt unfulfilled. Now a senior in Whartons undergraduate program, Michaels wanted to create a marketplace for social good, a way to wed the four primary stakeholders corporations, non-profits, philanthropists and volunteers. Some people, she noted, prefer to donate time; some would rather donate money.

Soceanas patent-pending digital social currency, called philas, which Michaels described as air miles for social good, works interchangeably with both. Donors can make pledges with conditions for volunteers to meet. Each volunteer earns philas for each hour of service. That volunteer then can allocate the philas to a charitable organization, unlocking the Lifelong Learner Essay, pledged funds. The goal is to create a multiplying effect for each donation and hour of volunteerism. (In her research, Michaels found that an hour of To Developing Essay, volunteerism is worth $22.55.) Among Soceanas advisors is Eric Ly, a co-founder of LinkedIn. Lifelong? By March of 2015, Soceana had attracted $250,000 from allusion, impact investors. Lifelong Learner Essay? Strategic partners include IBM and realised niche, VolunteerMatch, which pairs seven million volunteers with 102,000 nonprofits. ThirdEye: Over time, said Rajat Bhageria, a freshman electrical engineering student, visually impaired people learn to become dependent on others. And so they dont think they can be independent. Bhageria with fellow University of Pennsylvania freshmen Ben Sandler, David Ongchoco and Joe Cappadona is a co-founder of ThirdEye, an Essay application for Google Glass that provides verbal feedback of Contribution of MNCs Countries Essay, whatever is before the user when he or she says aloud, OK, Glass, recognize this.

The quartet, which has partnered with the National Federation of the Blind, played a brief video in which a person using the product was handed change after a purchase. He held it in view of the Lifelong Learner, camera and spoke the banquo prophecy, prompt. Processing, a female voice said. American five-dollar bill. This isnt the right change, the Learner, user deadpanned. Most among the Venture Finals audience laughed. We have seen rapid growth, and will be able to use this funding to opposite of turgid facilitate this growth. Aaron Goldstein.

Humor, indeed, was a key component of the ThirdEye teams approach they capped their presentation by touting a Google Glass giveaway; afterward, during their two-minute elevator pitch for the Michelson Peoples Choice Award, they laughed and told the snacking audience there would be no such giveaway, as they were poor college students. ThirdEye, however, pointed to a clear demographic: The approximately seven million blind people in America, which grows by Learner Essay, about 200,000 per year and in poetry, accounts for more than $41.1 billion spent annually on assistive technologies. Lifelong? A clinical study this summer will be a prelude to a Kickstarter campaign. When a judge asked about potential markets beyond the visually impaired, Bhageria said the capabilities of rita, ThirdEye could be attractive to entirely separate industries. In the long run, he said, maybe after two or three years, we hope to separate the concept of ThirdEye as computer-vision smart glasses from ThirdEye as a product for the visually impaired. Because once we have the Essay, former, now we can create applications for military and for facial recognition, recognizing fluids and recognizing medicines.

Bungalow Insurance won the Perlman Grand Prize, which includes $30,000 and opportunities to Technology To Developing represent The Wharton School/University of Pennsylvania at other business plan competitions. Austin said the Lifelong Essay, company plans to use the money to expand outside of Pennsylvania. Second prize ($15,000) went to FeverSmart. Goldstein said the award will allow the company to continue to ramp-up its manufacturing. Banquo Prophecy? We have seen rapid growth, he said, and will be able to use this funding to facilitate this growth. FeverSmart also won the Gloeckner Award ($10,000), designated for the highest ranking team that has undergraduates as at least half of its members. Soceana took third place ($10,000). Soceana has raised capital from impact investors, Michaels said, so for Lifelong Learner us, BPC was about the allusion in poetry, learning, mentorship and Learner, the recognition among other Penn start-ups. For me, it is a key milestone in my entrepreneurial journey at Penn. Winning at BPC also paved the in poetry, way for Lifelong Learner us to join the Venture Initiation Program at Wharton and increase Soceanas momentum.

Each of the banquo prophecy, top three prize winners also will receive up to $10,000 of Lifelong Learner Essay, in-kind legal services and $5,000 of in-kind accounting services. ThirdEye won the Michelsons Peoples Choice Award ($3,000) and the Committee Award for Most Disruptive ($1,000). The Wharton Social Impact Prize ($10,000) went to semifinalist Cure Accelerator. Committee Awards of $1,000 each went to semifinalists My Best Friends Weekend (Best Business Plan) and WeTrain (Committees Choice). accessed October 05, 2017. How Bike Sharing Is Maturing in China. Wharton vice dean Karl Ulrich describes the latest shifts in Chinas growing bike-sharing market. What Defines Millennials and How Marketers Can Reach Them. Digital culture, fragmentation, distrust of big business and opposite of turgid, a heavy dose of skepticism are key facets of the millennial generation and they have led to profound changes in Lifelong Learner Essay mass marketing, advertising and messaging. Designing for the Circular Economy. Innovative companies are exploring strategies that address end-of-life issues upfront.

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43 Resume Tips That Will Help You Get Hired. When you havent updated your resume in a while, it can be hard to know where to start. What experiences and accomplishments should you include for the jobs youve got your eye on? What new resume rules and trends should you be following? And seriously, one page or two? Well, search no more: Weve compiled all the resume advice you need into Lifelong Learner Essay one place. Realised Niche! Read on Lifelong Learner Essay for tips and of turgid, tricks thatll make sure you craft a winning resumeand help you land a job. Your resume should not have every work experience youve ever had listed on it. Think of your resume not as a comprehensive list of your career history, but as a marketing document selling you as the perfect person for the job. For each resume you send out, youll want to highlight only the Lifelong accomplishments and skills that are most relevant to the job at hand (even if that means you dont include all of your experience). Realised Niche! Job search expert Lily Zhang explains more about Lifelong, what it means to banquo prophecy, tailor your resume here . 2. But Keep a Master List of All Jobs.

Since youll want to be swapping different information in and out depending on the job youre applying to, keep a resume master list on your computer where you keep any information youve ever included on a resume: old positions, bullet points tailored for different applications, special projects that only Lifelong Essay sometimes make sense to in poetry, include. Then, when youre crafting each resume, its just a matter of Lifelong Learner Essay, cutting and pasting relevant information together. Think of this as your brag file . 3. Put the educating rita Best Stuff Above the Fold In marketing speak, above the fold refers to what you see on the front half of Lifelong Learner Essay, a folded newspaper (or, in the digital age, before you scroll down on a website), but basically its your first impression of a document. In resume speak, it means you should make sure your best experiences and accomplishments are visible on the top third of realised niche, your resume. Lifelong Learner! This top section is what the hiring manager is going to see firstand what will serve as a hook for in poetry, someone to keep on Learner reading. Night's Shadow Essay! So focus on putting your best, most relevant experiences firstand then check out these five other marketing tricks to get your resume noticed . According to Zhang , the only occasion when an objective section makes sense is when youre making a huge career change and need to explain from the get-go why your experience doesnt match up with the position youre applying to. Lifelong Essay! In every other case? Consider whether a summary statement would be right for you or just nix it altogether to save space and focus on making the educating essay rest of Learner, your resume stellar. There are lots of opposite, different ways to organize the information on your resume, but the good old reverse chronological (where your most recent experience is listed first) is still your best bet. Learner! Unless its absolutely necessary in your situation, skip the skills-based resumehiring managers might wonder what youre hiding.

The two- (or more!) page resume is banquo prophecy a hotly debated topic , but the bottom line is thisyou want the information here to be concise, and making yourself keep it to one page is a good way to Lifelong, force yourself to do this. If you truly have enough relevant and important experience, training, and credentials to showcase on Technology To Developing Countries more than one page of your resume, then go for Lifelong, it. But if you can tell the Technology Countries Essay same story in less space? Do. If youre struggling, check out these tips for Learner, cutting your content down , or work with a designer to see how you can organize your resume to fit more in less space. Cant figure out realised niche, how to tell your whole story on one page, or want to be able to include some visual examples of your work? Instead of trying to have your resume cover everything, cover the most important details on that document, and then include a link to your personal website , where you can dive more into what makes you the ideal candidate. Lifelong Learner Essay! Well talk about getting creative in order to stand out in in poetry, a minute. But the Essay most basic principle of good resume formatting and educating, design? Keep it simple.

Use a basic but modern font, like Helvetica, Arial, or Century Gothic. Make your resume easy on Lifelong Essay hiring managers eyes by using a font size between 10 and 12 and leaving a healthy amount of white space on the page. You can use a different font or typeface for your name, your resume headers, and the companies for which youve worked, but keep it simple and of MNCs Essay, keep it consistent. Your main focus here should be on readability for the hiring manager. That being said, you should feel free to Really want your resume stand out from the sea of Times New Roman? Yes, creative resumeslike infographics, videos, or presentationsor resumes with icons or graphics can set you apart, but you should use them thoughtfully. Learner Essay! If youre applying through an ATS, keep to the standard formatting without any bells and whistles so the computer can read it effectively. If youre applying to a more traditional company, dont get too crazy, but feel free to add some tasteful design elements or a little color to Technology Contribution Countries, make it pop. No matter what, dont do it unless youre willing to put in Lifelong Learner, the time, creativity, and design work to make it awesome. 10. Make Your Contact Info Prominent.

You dont need to essay, include your address on your resume anymore (really!), but you do need to make sure to include a phone number and professional email address (not your work address!) as well as other places the hiring manager can find you on the web, like your LinkedIn profile and Lifelong, Twitter handle. (Implicit in this is that you keep these social media profiles suitable for prospective employers.) Youve heard before that hiring managers dont spend a lot of rita, time on each individual resume. So help them get as much information as possible, in as little time as possible. These 12 small formatting changes will make a huge difference. Know that design skills arent your strong suit but want your resume to Lifelong Learner, look stunning? Theres no shame in getting help, so consider working with a professional resume designer. Essay! This is arguably the most important document of your job search, so its worth getting it exactly right! 13.

Keep it Recent, Keep it Relevant. Learner Essay! As a rule, you should only realised niche show the most recent 10-15 years of your career history and only include the experience relevant to the positions to which you are applying. And remember to allocate real estate on your resume according to importance. If theres a choice between including one more college internship or going into more detail about your current role, always choose the latter (unless a previous job was more relevant to Lifelong, the one youre applying to). Shadow Essay! 14. No Relevant Experience? No Worries! Dont panic if you dont have any experience that fits the bill. Instead, Zhang explains , focus your resume on Lifelong Learner Essay your relevant and transferrable skills along with any related side or academic projects, and then make sure to pair it with a strong cover letter telling the narrative of why youre ideal for Technology Contribution Countries, the job. No matter how long youve been in a job, or how much youve accomplished there, you shouldnt have more than five or six bullets in a given section.

No matter how good your bullets are, the recruiter just isnt going to get through them. Essay! Check out these tips for writing impressive bullet points . You may be tempted to throw in tons of industry jargon so you sound like you know what youre talking about, but ultimately you want your resume to be understandable to the average person. Remember that the first person who sees your resume might be a recruiter, an assistant, or even a high-level executiveand you want to be sure that it is readable, relevant, and interesting to Contribution Essay, all of them. Use as many facts, figures, and numbers as you can in your bullet points. How many people were impacted by your work? By what percentage did you exceed your goals? By quantifying your accomplishments, you really allow the hiring manager to picture the level of Learner, work or responsibility you needed to achieve them. Even if you dont actually work with numbers, here are some secrets to adding more to your resume . People hire performers, so you want to show that you didnt just do stuff, but that you got stuff done! As you look at rita essay, your bullet points, think about how you can take each statement one step further and Learner Essay, add in what the benefit was to your boss or your company.

By doing this, you clearly communicate not only banquo prophecy what youre capable of, but also the direct benefit the employer will receive by hiring you. If youre not sure how to explain your impact, check out Essay, these tips for turning your duties into Technology Contribution of MNCs Countries Essay accomplishments . Describing soft skills on a resume often starts to sound like a list of meaningless buzzwords, fast. But being a strong leader or an effective communicator are important characteristics you want to Lifelong Essay, get across. Opposite! Think about Essay, how you can demonstrate these attributes in of MNCs, your bullet points without actually saying them. Zhang demonstrates here how you can show five different qualities with the same bullet pointtry it yourself until you get the result youre going for! 20. Dont Neglect Non-Traditional Work. Theres no law that says you can only put full-time or paid work on your resume. So, if youve participated in Learner Essay, a major volunteer role, worked part-time, were hired as a temporary or contract worker , freelanced, or blogged? Absolutely list these things as their own jobs within your career chronology.

If every bullet in your resume starts with Responsible for, readers will get bored very quickly. In Poetry! Use our handy list of better verbs to Learner, mix it up ! Use keywords in allusion, your resume: Scan the job description, see what words are used most often, and make sure youve included them in your bullet points. Not only is this a self-check that youre targeting your resume to the job, itll make sure you get noticed in applicant tracking systems. Stuck on which words to Lifelong, include? Dump the job description into in poetry a tool like TagCrowd , which will analyze and Lifelong, spit out the most used keywords.

What words shouldnt you include? Detail-oriented, team player, and rita essay, hard workeramong other vague terms that recruiters say are chronically overused . We bet theres a better way to describe how awesome you are. 24. Experience First, Education Second. Unless youre a recent graduate, put your education after your experience. Chances are, your last couple of jobs are more important and relevant to you getting the Lifelong job than where you went to college. 25. Also Keep it Reverse Chronological. Usually, you should lay down your educational background by opposite of turgid listing the most recent or advanced degree first, working in reverse chronological order.

But if older coursework is more specific to the job, list that first to grab the reviewers attention. Dont list your graduation dates. The reviewer cares more about whether or not you have the degree than when you earned it. If you graduated from college with high honors, absolutely make note of Lifelong Learner Essay, it. In Poetry! While you dont need to list your GPA, dont be afraid to showcase that summa cum laude status or the fact that you were in the honors college at your university. 28. Lifelong Learner! Include Continuing or Online Education. Dont be afraid to allusion, include continuing education, professional development coursework, or online courses in your education section, especially if it feels a little light.

Kelli Orrela explains , Online courses are a more-than-accepted norm nowadays, and your participation in Essay, them can actually show your determination and motivation to get the skills you need for your career. Be sure to add a section that lists out all the relevant skills you have for a position, including tech skills like HTML and Adobe Creative Suite and any industry-related certifications. Just make sure to skip including skills that everyone is expected to have, like using email or Microsoft Word. Doing so will actually make you seem less technologically savvy. If you have lots of skills related to a positionsay, foreign language, software, and leadership skillstry breaking out one of those sections and of turgid, listing it on its own. Below your Skills section, add another section titled Language Skills or Software Skills, and Learner, detail your experience there. Night's Shadow Essay! Againwere going for skimmability here, folks! Feel free to include an Interests section on your resume, but only add those that are relevant to the job. Are you a guitar player with your eye on a music company?

Definitely include it. But including your scrapbooking hobby for a tech job at Lifelong Essay, a healthcare company? Dont even think about it. 32. Beware of Interests That Could Be Controversial. Maybe you help raise money for banquo prophecy, your church on Lifelong the reg. Or perhaps you have a penchant for canvassing during political campaigns. Yes, these experiences show a good amount of work ethicbut they could also be discriminated against by someone who disagrees with the of MNCs To Developing Essay cause. Zhang explains here how to weigh the decision of whether to include them or not.

Do include awards and accolades youve received, even if theyre company-specific awards. Just state what you earned them for, e.g., Earned Gold Award for having the companys top sales record four quarters in a row. What about personal achievementslike running a marathonthat arent totally relevant but show youre a driven, hard worker? Zhang shares the Lifelong Learner Essay proper ways to include them. Gaps and Other Sticky Resume Situations. If you stayed at a (non-temporary) job for only a matter of months, consider eliminating it from your resume. According to The New York Times career coach , leaving a particularly short-lived job or two off your work history shouldnt hurt, as long as youre honest about your experience if asked in an interview. If you have gaps of a few months in your work history, dont list the usual start and end dates for each position.

Use years only (2010-2012), or just the allusion in poetry number of Lifelong, years or months you worked at your earlier positions. Opposite Of Turgid! If youve job-hopped frequently, include a reason for leaving next to each position, with a succinct explanation like company closed, layoff due to Lifelong Learner Essay, downsizing, or relocated to new city. By addressing the gaps, youll proactively illustrate the reason for your sporadic job movement and make it less of an issue. Educating Rita Essay! Re-entering the workforce after a long hiatus? This is the Lifelong Essay perfect opportunity for a summary statement at the top, outlining your best skills and accomplishments. Then, get into your career chronology, without hesitating to include part-time or volunteer work. See more tips from Jenny Foss for killing it on your comeback resume. Dont try to Technology Contribution Countries, creatively fill in gaps on your resume. For example, if you took time out of the Lifelong Learner workforce to raise kids, dont list your parenting experience on Night's your resume, a la adeptly managed the growing pile of laundry (weve seen it).

While parenting is as demanding and intense a job as any out there, most corporate decision makers arent going to Lifelong Learner Essay, take this section of Contribution To Developing Countries, your resume seriously. 39. Lifelong Essay! Ditch References Available Upon Request If a hiring manager is interested in you, he or she will ask you for referencesand will assume that you have them. Theres no need to address the obvious (and doing so might even make you look a little presumptuous!). It should go without saying, but make sure your resume is educating rita free and clear of Lifelong Learner, typos. And dont rely on spell check and grammar check aloneask family or friends to Night's Shadow, take a look at it for you (or get some tips from an editor on how to perfect your own work ). If emailing your resume, make sure to Essay, always send a PDF rather than a .doc. That way all of your careful formatting wont accidentally get messed up when the hiring manager opens it on his or her computer.

To make sure it wont look wonky when you send it off, Googles head of HR Laszlo Bock suggests, Look at Night's Shadow Essay, it in both Google Docs and Word, and then attach it to Learner Essay, an email and open it as a preview. Ready to save your resume and Shadow Essay, send it off? Save it as Jane Smith Resume instead of Resume. Its one less step the hiring manager has to take. Carve out some time every quarter or so to pull up your resume and Learner, make some updates. Have you taken on new responsibilities? Learned new skills? Add them in. When your resume is updated on opposite of turgid a regular basis, youre ready to pounce when opportunity presents itself. Essay! And, even if youre not job searching, there are plenty of good reasons to Technology Countries, keep this document in tip-top shape. Photo courtesy of Hero Images / Getty Images . Erin Greenawald is a freelance writer, editor, and content strategist who is passionate about elevating the standard of Lifelong Essay, writing on the web. Night's! Erin previously helped build The Muses beloved daily publication and Essay, led the companys branded content team.

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Contemporary Issue on Chit Funds -#8220;The Invincible#8221; An contemporary issue report on CHIT FUNDS THE INVICIBLE 2013-2014 Made by Lifelong Essay : Fakhruddin Badshah PREFACE This document sketches the the meaning, introduction, overview,its working,online chit funds, I threw some light on latest news about this sector and allusion also tried to cover the Lifelong Learner Essay, latest upsteram and downsteam aspects of this sector (chit fund companies). My aim of writing on this issue is who will going to stop the fraudulant activities being done by this companies. I chose this segemnt for my contemporay because this is going very common among the people in realised niche todays time. So I thought lets give away the the detail of this segment to the people. With the help of this document people will come to know what exactly going on Essay, in this domain. Banquo Prophecy? This sector is expanding rapidly like anything. Lifelong Learner Essay? This developments has become a catalyst for the growth of vigourous chit fund companies in Countries Essay all over India. So what provisions should be made to curb the alleged false practices done by these companies or segment. Thus it is the to think and act on it to protect the interest of Lifelong Learner small investors and their hard earned incomes.

Index Introduction| 5-7| Overview of chit fund| 8| How chit fund works| 9-11| 2012-2013 Highlighted News about chit-fund| 12-13| Who will stop chit funds? | 14-18| Report of MCA| 18-21| Benefits| 21-22| Drawbacks| 23| Safety from Chit funds| 24| CHIT FUNDS The Invincible Introduction: A chit fund is a type of savings scheme practiced in allusion in poetry India, besides other forms of Learner savings scheme offered by various public and private sector banks, post offices, insurance corporations etc. Chit Funds are indigenous financial institutions in allusion in poetry India that cater to the financial needs of the low-income households, which have been excluded from the formal financial system. Chit, in the legal purview, means a transaction whether called chit, chit fund, chitty, kuri or by any other name by Learner Essay or under which a person enters into an agreement with a specified number of persons that every one of them shall subscribe a certain sum of money (or a certain quantity of grain instead in the case of villages) by way of periodical installments over a definite period and that each such subscriber shall, in his turn, as determined by lot or by auction or by tender or in such other manner as may be specified in the chit agreement, be entitled to the prize amount. ROSCAs are a means to rita save and borrow simultaneously. It is considered one of the best instruments to cater to Lifelong Learner the needs of the educating, poor. It enables poor people to convert their small savings into lump sums. The concept of chit funds originated more than 1000 years ago. Initially it was in the form of an informal association of traders and households within communities, wherein the members contributed some money in return for an accumulated sum at Learner the end of the tenure.

Participation in Chit funds was mainly for the purpose of purchasing some property or, in other words, for consumption purposes. However, in recent times, there have been tremendous alterations in the constitution and essay functioning of Chit funds. While in Lifelong most places ROSCAs are user-owned and organized informally, in India, chit funds have been formally institutionalized as well. Legally recognized firms provide a variety of chit schemes. A Chit Fund can either be legally registered or unregistered. Registered Chit Funds, as the name suggests are being regulated under the various Chit Fund acts. While unregistered Chit Funds are unorganized and mostly run by realised niche the close friends, relatives or family members of the investor. Unregistered Chit Funds which exceed 100 ($2) in value are illegal in India, although it is very well known that unregistered Chit Fund industry is very popular in India, mainly in Lifelong Essay the rural and semi-urban area, where people have very little access to the banking services and where financial illiteracy is more.

The regulation of the Chit Fund industry was put in place by the Government of educating India to address the problem of misuse of informal Chit Funds by unscrupulous promoters and founders running away with the participants funds, leaving the members with little recourse to retrieve their money back. Chit funds in India are governed by Learner Essay various state or central laws. Contribution To Developing Countries Essay? Organized chit fund schemes are required to register with the Registrar or Firms, Societies and Chits. Various Chit Fund Acts governing the industry in India are as under: * Union Government Chit Funds Act 1982 (Except the Learner Essay, State of Jammu and Kashmir) * Kerala Kerala Chitties Act 1975 * Tamil Nadu Tamil Nadu Chit Funds Act, 1961 * Karnataka: The Chit Funds (Karnataka) Rules, 1983 * Andhra Pradesh The Andhra Pradesh Chit Funds Act, 1971 * New Delhi- The Chit Funds Act,1982 and allusion in poetry Delhi Chit Funds Rules, 2007 * Maharashtra Maharashtra Chit Fund Act 1975 Uttar Pradesh: Uttar Pradesh Chit Funds Act, 1975 * Goa, Daman Diu: The Goa, Daman and Diu Chit Funds Act, 1973 * Pudducherry/Pondicherry: The Pondicherry Chit Funds Act, 1966. An overview of Lifelong chit funds: The economic development of opposite a country depends upon the availability of Essay resources.

The main activities that contribute to the growth are production and employment. Production depends upon the inputs of the essay, factors such as finance, raw materials, labor etc. Learner Essay? The most important here bring finance, which is the chief mobilized of all the factors of production. In a money economy, finance for development initially comes from private savings. These private savings give to the secondary deposits; this is where the financial institutions come into picture. Financial institutions occupy a central place in mobilizing savings from the people and make it available to the trade, commerce and industries either as a capital or loans.

The non banking sector comprises of money lenders, indigenous bankers, pawn brokers, nidhis, chit funds etc. The origin of chit funds can be traced way back to the 17th century when the economic wizards of essay state of Malabar (now known as the state of Lifelong Learner Kerala) started this activity. Those were the realised niche, people who actually founded this financial institution. Lifelong Essay? It became so popular and numerous that people started adopting this activity as a profession by the 18th century all over. As the educating rita, chit industry grew the number of Learner people involved in opposite this industry also grew. This gave rise to many misconceptions, frauds, mismanagement etc. , in this industry. To prevent this State Government of Travancore took the first initiative and introduced the first Chit Fund Regulation being the Chit Fund Act 1914. Learner Essay? One important regulation introduced by this act was that of a commission payable to the foreman. The Act brought about a ceiling limit on Technology of MNCs Countries, the commission payable to the foreman that is 5% maximum which is still the Essay, same even to this date. How chit funds works: Chit funds which are popular from a very long time but still some people dont know how exactly this chit fund works and invest their money illogically.

This can be understood by the following procedure: Lets say there are 20 people who come together and form a group. Each one will contribute Rs 1,000 per month and this will continue for Night's Shadow Essay next 20 months (equal to number of people in the group). In this group there will be one organizer, who will take the Lifelong Learner, pain of fixing the meetings, collecting money from each other and banquo prophecy then doing other procedures. So each month all these 20 people will meet on a particular day and deposit Rs 1,000 each. That will make a total of Learner Rs 20,000 every month. Now there will be a bid on who will take this money.

Naturally there will be few people who are in need of big amount because of some reason like some big expenses, liquidity crunch, business problem, Beti ki Shaadi etc etc Out of all the educating, people who are in Essay need of money, someone will bid the lowest amount, depending on realised niche, how desperate he is for this money. Lifelong? The person who bids for the lowest amount wins the banquo prophecy, bid. Suppose out of total 3 people who bid for 18,000, 17,000 and Rs 16,000, the one who bids the lowest will win. In this case its the person who has bid Rs 16,000. There will also be organizer charges which are around 5% (standard) of the Lifelong Learner Essay, total amount, so in this case its 5% of Rs 20,000, which is Night's Essay, Rs 1,000. So out of the total 16,000 which this winner was going to get, Rs 1,000 will be deducted and Lifelong Learner Essay the winner will get only Rs 15,000, Rs 1,000 will be organizer charges and Rs 4,000 is the profit, which will be shared by each and every member (all 20 people), it comes out to be Rs 200 per in poetry, person, and it will be given back to all 20 members. So here you can see that the main winner took a big loss because of his desperate need of getting the money and others benefitted by it. So each person actually paid just 800, not 1,000 in this case (they got 200 back). Note that when a person takes the money after bidding, he cant bid from next time, only 19 people will be eligible for Essay bidding.

Now next month the same thing happens and suppose the allusion in poetry, best bid was Rs 18,000 , then winner will get 17,000 (after deducting the Lifelong Essay, organizer fees) and the rest 2,000 will be divided back to people (Rs 100 each) . So each person is paying effectively Rs 900. This way each month all the people contribute the banquo prophecy, money, someone takes the money by bidding lowest, organizer gets his charges and the rest money is divided back to Lifelong Essay members. You will realize that the allusion, person who takes the money at Lifelong the end will get all the money except organizer fee, as there is no one else to bid now. So the person will get around Rs 19,000 in the end, if you try to find out the in poetry, returns which he got out of the whole deal, it will depend on two things, how much lower bids were each month and the fees paid to Lifelong Essay organizer, if bids and charges are very low, then a person will make more money at the cost of other situations. So this is pretty much how a chit fund works, there are various versions of chit funds and how they work , but the idea was to communicate the basic model and realised niche how it works. | Online Chit Funds is also running with pace of E-commerce With the Lifelong Learner, advent of ecommerce in India, Chit funds have also started going online. Online chit funds conduct auctions online and subscribers can pay their monthly dues and receive prize amount online through online transactions including electronic fund transfers. Each member will have an online account through which they can manage their chit funds. Essay? 2012-2013 Highlighted News about chit-fund: . Lifelong Essay? Cunning strict approaches adopted by RBI to protect the investors from delusive acts of chit fund companies.

2. Last year in the month of opposite of turgid December, The Reserve Bank of India (RBI) warned all the state governments about the mushrooming of chit funds and also written to them to take appropriate actions against them for duping depositors. 3. RBI Governor Duvvuri Subbarao said, The responsibility for checking the chit funds and for prosecuting the violation of law is of the state government. We have written to all the state governments to be vigilant about this and to take appropriate action. . Lifelong Essay? D Subbarao also called for greater awareness among police and the general public for checking the proliferation of the chit funds in the country. Rita? 5. On 6th December 2012, Minister of State for Corporate Affairs RPN Singh said that 87 companies have come under the scanner for alleged irregularities related to chit fund schemes and money circulation in the garb of Learner multi-level marketing. The Registrar of Companies (RoC) and its Regional Directors have been asked to scrutinize the balance sheets and realised niche inspect the books of accounts and other records of these 87 companies. . Essay? Indias market regulator, Securities and Exchange Board of in poetry India (Sebi) had banned companies such as Rose Valley and MPS Greenery Developers from accepting deposits from the public.

7. The former chief minister also pointed it out that small savings through post offices and co-operatives has suffered a lot as many people are depositing their money to Lifelong these chit funds expecting huge return. 8. In Bhubneshwar, The crime branch told that they are making a short documentary to sensitize people about illegal non-banking financial companies (NBFCs). The film will feature a host of financial management companies like Seashore, Ashore and Saffex, whose irregularities were exposed recently. The Economic offences wing (EOW) of the Crime Branch has registered at least 30 cases against several fraud companies in the past six months for embezzling public deposits after giving them false promise of realised niche high return. Senior functionaries (Head) of the companies were arrested and their bank accounts being ceased.

9. EOW also making plan to Lifelong Learner Essay start a toll free number to protect people from fraudulent activities done by chit fund companies. 10. Government making steps towards the projection of model; rules to check chit fund and MLM (Multi-level Marketing) frauds. The central government will soon make stringent provisions in place, like hefty financial penalty, jail terms, de-listing from the registrar of opposite of turgid companies (RoC) roster, among others. Essay? Who will stop chit funds?? In October 2012, a women and her elder daughter were running a chit fund, committed suicide by consuming acid in Puthur in Trichy as they were unable to repay their investors. These women had started a Diwali chit fund in the year 2011 and attracted around 300 investors in the area. They had collected around `9lakh from the investors. As per norms, the chit fund company should have repaid the money with interest or given assured gifts to banquo prophecy the investors before Diwali of the year 2012.

When the investors pressurize the women, they decided to end their lives and consumed poison. Lifelong? Investors are helpless. Technology Contribution To Developing Essay? This is Lifelong Essay, not the only case there are numerous. Most chit fund investors are the rural poor and or small investors. Neither the victimized investors nor the police bring to book the persons responsible. Only the realised niche, poor agents remain in Learner place from whom the money cannot be recovered.

According to Ministry of Corporate Affairs (MCA), there are 4256 listed or registered chit fund companies which are running their business in the country while India chit-fund association estimates that the country has in total 15000 (registered and Technology Contribution To Developing Countries Essay unregistered) companies which manage billions of rupees worth of funds. ShriRam Capital, one of the largest players, operates in Learner four southern states and manages over USD 800 million. Some hope that recent hiccups in Indias once-booming microfinance sector, whose rise was led by microcredit, could bring even more business their way. One can imagine how big the business is all over India. Too many regulators could not stop irregularities in chit funds. Allusion? Everybody agrees that irregularities need to be stopped because these are causing harm to a lot of small investors. But the question is; who will stop it? In 1978, when the RBI banned chit funds, it came under the ministry of corporate affairs as a collective investment scheme. Another way these companies work is Lifelong Essay, through private placement of the non-convertible debentures or collective investment scheme.

In this case, SEBI has the realised niche, power to regulate it. Sahara and Essay many other big names are in on it. Any debenture or private placement cannot be done by more than 50 people. In contrast, these kinds of banquo prophecy companies collect money from thousands of investors. If the Lifelong Essay, number of investors of share and debenture is more than 50, it needs to be registered in the market and the SEBI would control it. RBI wants the state government to take steps: In this context, RBI has a different take. Educating? Subbarao, Governor, RBI, has advised the state governments to Lifelong Learner make their law stronger to save common investors from the chit fund trap. It has written letters to the states to develop a definite action plan to take step against Technology To Developing Countries, these multi levels marketing player. Lifelong Essay? Subbarao explained that RBI has no power to Night's Essay regulate chit funds.

So, it has asked state government to take the initiative to prevent the Lifelong, mushrooming of money market agencies. RBI can train police and other legal bodies about chit funds but cannot instruct the police to do so. Opposite Of Turgid? It is a state subject to plan and executes the prevention process of chit funds. Lifelong Learner? Corporate Affairs ministry looking into it: Union corporate Affairs Minister Sachin Pilot has said that the central government is looking into the issue of some chit funds and of MNCs Countries the Ponzi scheme that allegedly dupe small investors by using legal loopholes. It would also encourage state government to take necessary action against Lifelong, these firms. These firms are now misusing the loopholes, pilot added.

Furthermore he added, Our main objective is to protect small investors from these companies, who are taking their (investors) hard earned money. As many as 87 companies have come under the scanner for alleged irregularities related to chit fund schemes and money circulations. Minister of State for corporate Affairs R. P. N. Singh has informed the Rajya Sabha that the directions have been issued on the basis of specific complaints received by banquo prophecy the ministry against these companies, which are alleged to be carrying on Essay, activities related to prize chit fund and money circulation in the garb of multi-level marketing. Legislative hodgepodge: Singh further said that SFIO (Serious Fraud Investigation Office) has recommended setting up of a specific central regulatory agency for the implementation of the prize chit and money circulation scheme (Banning) act, 1978. The act is administered by banquo prophecy the Department of Financial services (DFS) which has constituted an Inter-Ministerial Group consisting of representatives from DFS, Ministry of Corporate Affairs (MCA), RBI, Security and Exchange Board of India (SEBI), Department of Consumer Affairs and Central. Report of Ministry of Corporate Affairs: List of Companies not registered but found doing Chit Business Beware of these Companies. Never join them. M/s. Learner? P. V. Contribution Countries Essay? R. Chits (P) Ltd. , B-50, Flatted Factories, Okhla Phase-III, N. Delhi-20. | M/s.

Narmal Chits (P) Ltd. Learner? , 1427, Gurudwara Road, Kotla Mubarakpur,N. Delhi-3. Banquo Prophecy? | M/s. Sahara Chits (P) Ltd. Learner Essay? , WZ/A-49, Krishna Park Extension, N. Delhi-18. | M/s. Banquo Prophecy? Twenty Second Century Chit Fund (P) Ltd. , 4205-4206, Sant Nagar, Main Road, Rani Bagh, Delhi-34. Learner Essay? | M/s. Allusion? Skylla Chits (P) Ltd. , D-223/115, Laxmi Chambers, Laxmi Nagar, Delhi-92. | M/s. Hari Vimal Chits (P) Ltd. , Shop No. 8, M. R. Market, Rangpuri, N. Delhi-70. | M/s. Merchant Chits (P) Ltd. , CA-24/2, Tagore Garden, N. Delhi-27. | M/s. Mehar Chits (P) Ltd. , IIIrd Floor, 528, Krishna Gali, Katra Neel, Chandni Chowk, Delhi-6| M/s. Vinamar Chits (P) Ltd. , 170-E, Kamla Nagar, Delhi-7. | M/s. Vinamar Chits (P) Ltd. , 272, Hakikat Nagar, Mall Road, Delhi-9. | M/s.

Well King Chits (P) Ltd. Learner Essay? , C-47, Acharya Niketan, Mayur Vihar, Phase-I,Delhi-91. | M/s. Banquo Prophecy? Aegis Chit Fund (P) Ltd. , E-484, Greater Kailash-II, New Delhi-48. | List of Companies which have been debarred from Lifelong Learner Essay, doing any Chit Fund business in Delhi NAME| ADDRESS| A. G. CHIT FUND PVT. LTD. | | ARJIT CHITS PVT. LTD. Essay? | | BHAGMAL CHITS PVT. LTD. | | CHOJI PRITAM CHITS PVT. LTD. Lifelong Learner? | | DISHTI CHIT FUND PVT. Opposite? LTD. Learner? | DIRECTOR: Sh. Ajay Pandon| DISHTI CHIT FUND PVT.





6, Mafare Garden, New Delhi| M. V. A. CHIT FUND (P) LTD. | Shop No. 10, Krishna Mkt. ,Lajpat Nagar,N. Delhi. | HONOUR CHITS (P) LTD. | 2352, Sevak Bhawan,IIIrd Floor, Shop No. 9,Beadon Pura,Karol Bagh, N. Lifelong Learner? Delhi. Banquo Prophecy? | * Source Ministry of corporate Affairs. Benefits of Chit funds: Chit Fund is an attractive Investment Option which caters to people from all walks of life. It is specifically beneficial to Learner the Salaried Class, Professionals, Businessmen and Self Employed.

The uniqueness of Chit Fund as a method of Financial Planning stems from the fact that, it is both a tool for saving and borrowing. In other words, it serves the dual purpose of being an investment for your savings and in in poetry times of need the Subscriber can bid for the Prize Amount in Learner Essay order to meet any unexpected expenditure. The benefits of Investing in Chit Fund are numerous. You can choose how much you want to save per month. Chit funds companies offers chits of various denominations and realised niche monthly subscriptions amount ranges from Rs 2500/=(Chit value Rs 1 lakh) to Lifelong Learner monthly subscription of Rs 1,25,000. Realised Niche? * The rate of return is very high compared to other Investment Options and it is also secure form of Investment. * Your Monthly payments will be the Chit Subscription Amount minus the Dividend. Essay? The details of the Countries, Dividend entitled for Deduction and the Balance Amount payable shall be informed every month, which is Essay, mandatory.

It inculcates the habit of saving and setting apart a particular amount every month towards investment for a rainy day. * It is good for the Housewife to keep or save their small savings in Chit funds as they will get the money at the time of banquo prophecy utmost financial need for household purposes. * It is generally used by housewives, employees of same company, peer groups, friends, and Lifelong Learner Essay family members or some associations. * If it is used in proper or genuine way then it is makes a worth to invest in chit funds (Organized or unorganized). Drawbacks: Chit-funds do not offer any pre-determined or fixed returns. * Higher returns are earned when there are more number of members in the group or if the Night's, duration of the scheme is longer. * One would earn more, when more members need emergency funds. Thus returns cannot be calculated and Essay decided when one joins the scheme. Banquo Prophecy? * No security in unregistered chit fund companies. So there are more chances of getting hoax by these fraud companies. * Organizer gets benefited more from your savings. * No guarantee if fixed returns. * In chits interest earnings are lower than Fixed deposits (FD). High degree of risk is associated with chits, so relying on chit funds for saving could be more dangerous. * Chit does not make money; it is just a mechanism for liquidity and emergency funds. * Many chit fund owners are collecting huge volume of Learner money from the common people by making false promises to them. Many poor people of Technology Contribution Countries Essay our state are being allured by these chit fund owners and depositing their hard-earned money. Lifelong Essay? But the realised niche, people are not getting back returns for Lifelong Learner their investments How to realised niche be a Safe investor in Chit Funds: With the plethora of chit fund companies around, the safety of a chit fund lies in choosing the right one. In a registered chit fund company, under legal binding, the activities are regulated and institutionalized by the Chit Fund Act. And hence could be considered safe.

However, other unregistered companies operating informally do exist. It has been also seen that depositors are being lured by chit funds companies or firms with higher returns than what banks offer them. These companies are also flourishing in the rural belts where banking penetration is low. One should carefully analyze the pros and cons before making investment in chit funds. Lifelong Learner Essay? Therefore one needs to exercise caution while choosing where he desires to invest. Chit funds definitely are an Contribution Countries, attractive option for regular saving.

It inculcates a disciplined approach to financial planning. It has the added advantage of bringing a combination of savings as well as hassle free borrowing. This dual purpose investment tool could be a friend in need at times of unexpected financial emergencies. Thence BE SAFE AND BE SELECTIVE while going for Lifelong Learner Essay any chit fund schemes. Havent found what you want? 12-22 Newhall St, Birmingham B3 3AS, UK [emailprotected] Hi there, would you like to get such a paper? How about receiving a customized one?

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