Marketing MA Management and International Business Essay -- Business a

Promoting MA Management and International Business Presentation CRM is a term for methodologists, advancements and internet business capacities - utilized by organizations to oversee client connections. (Foss, 2001:1) It is likewise called client the executives, client care also, now and then client centricity or client driven administration. (Earthy colored, 2000:1) All the names and meanings of CRM have client, as its center it is the administration of client connections, which endeavors to change advertising and reshape whole plans of action. To endure and develop the business must make a benefit. To make a benefit it needs to discover individuals who are happy to pay more for its items/administrations than they cost. Consequently benefit originates from clients. All Profit originates from clients So if no profit=no business Furthermore, no customers=no benefit At that point no customers=no business Hence clients ARE the business The possibility of CRM isn't new-it was the manner in which the neighborhood retailer rewarded his client he knew him, comprehended what was going on in his life, what he was getting, (coordinated advertising?) and so forth. What's going on however is that these days the retailers attempt to build up exchange with many thousands or on the other hand even a huge number of clients trying to comprehend them better, their individual needs and boost the lifetime estimation of this relationship. In this regard it isn't ‘revolution’ of showcasing, however Or maybe ‘evolution’. The old model of working together is over into activity yet outfitted with innovation and various plans to come to the client and hold them forever. The four sorts of CRM programs, depicted by Stanley (2000) are planned for empowering the organization to win back clients, who have surrendered or then again are wanting to, (Win Back or Save), to make faithfulness among clients (Retail Loyalty), to up-sell or strategically pitch administrations to these clients (Cross Sell/Up-Sell) and to prospect for new clients (Prospecting) Retail Loyalty Steadfastness is an inclination or disposition of gave connection and fondness; or on the other hand the demonstration of restricting oneself (mentally or inwardly) to a game-plan. (http://dictionary.reference.com) In regular day to day existence dedication infers passionate responsibility to family and companions, loyalty in marriage. It additionally recommends monogamy-one decision over all others. (Humby et.al, 2003:9) In this sense devotion is something anticipated. Be that as it may, with regards to... ...ce a Customer, Always a Customer† Dublin: Oak Tree Press Foss, B., Stone, M., (2001) â€Å"Successful Customer Relationship Marketing† London: Kogan Page Gilbert, D., (1999) â€Å"Retail Marketing Management† Harlow: FT/Pitman Humby, C. et al., (2003) â€Å"Scoring Points† London: Kogan Page Oliver R. (1997) â€Å"Research† New York: McGraw Hill Omar, O (1999) â€Å"Retail Marketing† London:FT Management Reichheld, R. (1996) â€Å"The Quest for Loyalty† Boston: Harvard Business School Press Daley, J (2004)† Is a toaster a reasonable trade for your devotion as a shopper?† The Independent (http://proquest.umi.com) Davis, H. (2002) â€Å"Marketing is about scholarly utilization of data† Devotion Guide Jones, K (2002) â€Å"Are you misusing the capability of your client base?† Loyalty Guide http://www.at1.uk.com/Loyalty_Fundamentals.htm www.bbc.co.uk/cgi-canister/search/results. asda+loyalty+scheme www.foodanddrinkeurope.com/news/news- - devotion cards http://www.mori.com/surveys/2002/blacksun.shtml 2002) http://money.guardian.co.uk/(Datamonitor report by E.Ripley) www.mori.com http://news.bbc.co.uk/1/hello there/business/52056.stm Cross J. (2004) Lecture notes Southampton, University College

Biography of Christopher Columbus

Life story of Christopher Columbus Christopher Columbus (1451-1506) was a Genoese pilot and voyager. In the late fifteenth century, Columbus accepted that it is conceivable to arrive at the rewarding markets of eastern Asia by traveling west, rather than the customary course which went east around Africa. He persuaded Queen Isabella and King Ferdinand of Spain to help him, and he set off in August of 1492. The rest is history: Columbus found the Americas, which had been obscure up to that point. All things considered, Columbus made four distinct excursions to the New World. Early Life Columbus was destined to a white collar class group of weavers in Genoa (presently part of Italy) which was a city notable for pioneers. He seldom talked about his folks. It is accepted that he was embarrassed to have originated from such an unremarkable foundation. He left a sister and a sibling behind in Italy. His different siblings, Bartholomew and Diego, would go with him on the greater part of his movements. As a youngster he voyaged widely, visiting Africa and the Mediterranean and figuring out how to cruise and explore. Appearance and Personal Habits Columbus was tall and lean, and had red hair which turned rashly white. He had a reasonable composition and a to some degree ruddy face, with blue eyes and a hawkish nose. He communicated in Spanish smoothly however with a highlight which was hard for individuals to put. In his own propensities he was incredibly strict and to some degree smug. He once in a while swore, went to mass routinely, and regularly dedicated his Sundays altogether to petition. Sometime down the road, his strictness would increment. He took to wearing the basic robe of a shoeless minister around court. He was an intense millenarist, accepting that the apocalypse was close. Individual Life Columbus wedded a Portuguese lady, Felipa Moniz Perestrelo, in 1477. She originated from a semi-respectable family with valuable sea associations. She passed on bringing forth a child, Diego, in 1479 or 1480. In 1485, while in Cã ³rdoba, he met youthful Beatriz Enrã ­quez de Trasierra, and they lived respectively for a period. She bore him an ill-conceived child, Fernando. Columbus made numerous companions during his movements and he compared with them every now and again. His companions included dukes and other aristocrats just as amazing Italian dealers. These fellowships would demonstrate valuable during his successive hardships and episodes of misfortune. A Journey West Columbus may have considered cruising west to arrive at Asia as right on time as 1481 because of his correspondence with an Italian researcher, Paolo del Pozzo Toscaneli, who persuaded him it was conceivable. In 1484, Columbus made a pitch to King Joo of Portugal, who turned him down. Columbus continued to Spain, where he initially proposed such an outing in January of 1486. Ferdinand and Isabella were fascinated, yet they were busy with the reconquest of Granada. They advised Columbus to pause. In 1492, Columbus had pretty much surrendered (indeed, he was headed to see the King of France) when they chose to support his outing. First Voyage Columbus’ first journey started on August 3, 1492. He had been given three ships: the Niã ±a, the Pinta and the lead Santa Maria. They traveled west and on October 12, mariner Rodrigo de Triana spotted land. They originally arrived on an island Columbus named San Salvador: there is some discussion today with respect to which Caribbean island it was. Columbus and his boats visited a few different islands including Cuba and Hispaniola. On December 25, the Santa Maria steered into the rocks and they had to relinquish her. Thirty-nine men were deserted at the settlement of La Navidad. Columbus came back to Spain in March of 1493. Second Voyage In spite of the fact that from numerous points of view the principal journey was a failureâ€Columbus lost his greatest boat and didn't discover the guaranteed course westâ€the Spanish rulers were charmed with his revelations. They financed a subsequent journey, whose reason for existing was to set up a perpetual province. 17 boats and more than 1,000 men set sail in October, 1493. At the point when they came back to La Navidad, they found that everybody had been murdered by perturbed locals. They established the city of Santo Domingo with Columbus in control, however he had to come back to Spain in March of 1496 to acquire supplies to keep the destitute settlement alive. Third Voyage Columbus came back to the New World in May of 1498. He sent portion of his armada to resupply Santo Domingo and set off to investigate, in the end arriving at the north-eastern piece of South America. He came back to Hispaniola and continued his obligations as senator, however the individuals scorned him. He and his siblings were awful directors and kept a significant part of the little riches produced by the settlement for themselves. At the point when the emergency arrived at a pinnacle, Columbus sent to Spain for help. The crown sent Francisco de Bobadilla as representative: he before long distinguished Columbus as the issue and sent him and his siblings back to Spain in chains in 1500. Fourth Voyage As of now in his fifties, Columbus felt he had one more excursion in him. He persuaded the Spanish crown to fund one more excursion of disclosure. In spite of the fact that Columbus had demonstrated a poor representative, there was no questioning his cruising and disclosure aptitudes. He left in May of 1502 and showed up to Hispaniola only in front of a significant tropical storm. He sent an admonition to the 28-transport armada going to withdraw for Spain to defer yet they overlooked him, and 24 of the boats were lost. Columbus investigated a greater amount of the Caribbean and part of Central America before his boats spoiled. He went through a year on Jamaica before being saved. He came back to Spain in 1504. Heritage of Christopher Columbus Columbus’ heritage can be hard to sift through. For a long time, he was thought to have been the man who â€Å"discovered† America. Current students of history accept that the primary Europeans to the New World were Nordic and shown up a few hundred years before Columbus toward the northern shores of North America. Additionally, numerous Native Americans from Alaska to Chile question the idea that the Americas should have been â€Å"discovered† in any case, as the two mainlands were home to a great many individuals and incalculable societies in 1492. Columbus’ achievements ought to be considered related to his disappointments. The â€Å"discovery† of America would surely include occurred inside 50 years of 1492 had Columbus not wandered west when he did. Advances in route and boat development reached between the sides of the equator inescapable. Columbus’ thought processes were for the most part fiscal, with religion a nearby second. At the point when he neglected to discover gold or a rewarding exchange course, he started gathering slaves: he accepted that a trans-Atlantic slave exchange would be very worthwhile. Luckily, the Spanish rulers banned this, yet, numerous Native American gatherings effectively recollect Columbus as the New World’s first slave master. Columbus’ adventures were regularly disappointments. He lost the Santa Marã ­a on his first journey, his first settlement was slaughtered, he was an awful representative, he was captured by his own pilgrims, and on his fourth and last journey he figured out how to abandon approximately 200 men on Jamaica for a year. Maybe his biggest disappointment was his failure to perceive what was directly before him: the New World. Columbus never acknowledged that he had not discovered Asia, in any event, when the remainder of Europe was persuaded that the Americas were something beforehand obscure. Columbus’ inheritance was once very brightâ€he was considered for sainthood at one timeâ€but now he is recognized as much for the terrible as the great. Numerous spots despite everything bear his name and Columbus Day is as yet celebrated, yet he is by and by a man and not a legend. Sources: Herring, Hubert. A History of Latin America From the Beginnings to the Present.. New York: Alfred A. Knopf, 1962 Thomas, Hugh. Waterways of Gold: The Rise of the Spanish Empire, from Columbus to Magellan. New York: Random House, 2005.

Peoria

Peoria Peoria peôr ´e? [key]. 1 City (1990 pop. 50,618), Maricopa co., central Ariz., a suburb of Phoenix; settled 1897, inc. 1954. With the completion of the Arizona Canal in 1885, the area was settled by families from Peoria, Ill., and became an agricultural trading center. Peoria is now one of the fastest-growing cities in the United States; its population more than doubled between 1990 and 2000. It produces sheet metal, textile products, and machinery parts. The training camps of the Seattle Mariners and San Diego Padres baseball teams are in the city. 2 City (1990 pop. 113,504), seat of Peoria co., central Ill., on Lake Peoria and the Illinois River; inc. as a city 1845. A busy port of entry, it is one of the state's oldest settlements and a regional trade and transportation point; grain, livestock, and coal from the area are marketed, processed, and shipped in Peoria. It has commercial printing and factories that produce metal products, machinery, iron and steel, transportation and medical equipment, construction materials, and chemicals. Although it is an industrial city, Peoria is known for its scenic beauty and its many recreational activities associated with Lakeview Park, which also contains a planetarium, community theater, and arts and sciences center. La Salle established Fort Creve Coeur in the region in 1680, and the spot later became a French trading post. The area was known as Fort Clark after 1813; the first permanent American settlement was established in 1819. The Univ. of Illinois College of Medicine at Peoria, Bradley Univ., and a U.S. Dept. of Agriculture research laboratory are in the city. Nearby are a state park and Metamora courthouse (1845; now a state memorial). The Columbia Electronic Encyclopedia, 6th ed. Copyright © 2012, Columbia University Press. All rights reserved. See more Encyclopedia articles on: U.S. Political Geography

Vehicular Pollution - 1921 Words

Vehicular Pollution problems in India There are three broad sources of air pollution from human activities: stationary or point, mobile, and indoor. In developing countries especially in the rural area, indoor air pollution from using open fires for cooking and heating may be a serious problem. Industries, power plants etc. are the cause of stationary air pollution. But in urban areas Ââ€" both developing and developed countries, it is predominately mobile or vehicular pollution that contributes to air quality problem. The worst thing about vehicular pollution is that it cannot be avoided as the vehicular emissions are emitted at the near-ground level where we breathe. Pollution from vehicles gets revealed through symptoms like cough,†¦show more content†¦Toxic Air Pollutants Toxic air pollutants are those pollutants that cause or may cause cancer or other serious health effects, such as reproductive effects or birth defects. Air toxics may also cause adverse environmental and ecological effects. Examples of toxic air pollutants include benzene, found in gasoline; perchloroethylene, emitted from some dry cleaning facilities; and methylene chloride, used as a solvent by a number of industries. Most air toxics originate from man-made sources including cars, trucks, construction equipment factories, refineries, power plants, cleaning solvents etc. Some air toxics are also released from natural sources such as volcanic eruptions and forest fires. Clean Air Plan The Cabinet which includes three Ministries, Finance, Petroleum and Surface Transport, cleared the first ‘‘National Auto Fuel Policy laying the roadmap for the next decade on the quality of fuels and the standards for vehicles. According to their policy, the 11 most polluted cities, including the three metros (plus Ahmedabad, Hyderabad, Surat, Pune, Kanpur, Agra and Bangalore), will only catch up with Delhi by 2005, the rest of the country will have to wait for a ‘‘review in 2006 to see if they will get clean fuel and vehicles by 2010. The Cabinet rejected the proposal to set up an independent regulatorÂâ€"as prescribed by the Mashelkar panelÂâ€"to monitor the implementation of the roadmap. Instead, the state road transport authorities will monitor vehicles; theShow MoreRelatedEssays on Vehicular Pollution3726 Words   |  15 PagesRomanticism If the Enlightenment was a movement which started among a tiny elite and slowly spread to make its influence felt throughout society, Romanticism was more widespread both in its origins and influence. No other intellectual/artistic movement has had comparable variety, reach, and staying power since the end of the Middle Ages. Beginning in Germany and England in the 1770s, by the 1820s it had swept through Europe, conquering at last even its most stubborn foe, the French. It traveledRead MoreEssays on Vehicular Pollution3733 Words   |  15 PagesRomanticism If the Enlightenment was a movement which started among a tiny elite and slowly spread to make its influence felt throughout society, Romanticism was more widespread both in its origins and influence. No other intellectual/artistic movement has had comparable variety, reach, and staying power since the end of the Middle Ages. Beginning in Germany and England in the 1770s, by the 1820s it had swept through Europe, conquering at last even its most stubborn foe, the French. It traveled quicklyRead MoreEssay about The Effect of Environmental Factors on Learning 1493 Words   |  6 Pagespotential to cause Learning Disabilities . The Risks of mercury and lead poisoning is very present in the environment, and researches from the past three decades have proven the presence of heavy metals in our environment through paint,industrial and vehicular exhaust,pipes and even children’s toys.Many items recommended for children have sources of toxic material such as mercury,which has been proven to lower inteligence scores and result in Attention Deficit Disorders and other child behaviour anomaliesRead MoreA Brief Note On The Agency Of Environment And Forest Essay1638 Words   |  7 Pages . Preventation: GOVERNMENTAL STEPS FOR POLLUTION CONTROL IN BANGLADESH The ‘Ministry of Environment and Forest (MOEF)’of Bangladesh is primarily responsible for environmental protection. It was created in 1989. The MOEF has taken some steps to control the environmental pollution of Bangladesh. National Environmental Management Action: Plan (NEMAP). The government has taken a project named NEMAP to integrate environment with the development in a policy framework. It provides a guideline for promotingRead MorePollution and Its Effects on the Planet516 Words   |  2 PagesPollution is referred to the presence in the atmosphere of any chemical, physical or biological agents harmful to health or well-being, animal or plant life. This degradation of the environment by an external contaminant can cause damage to the everyday life of human beings and alter the conditions of survival of flora and fauna. About 2 million people could die each year from any cause attributable to air pollution, says the World Health Organization. According to this study, most deaths occur inRead MoreAirport Construction Has A Major Effect On The Community1577 Words   |  7 Pagesconcrete equipment, etc. that can cause problems with the environment. The main environmental issues affected by include air, water, and noise pollution. Air pollution has always been a big topic in everywhere and around an airport there is no exceptions. Air pollution during the construction period would be a consequence of one or more activities such as vehicular activity in support of construction operations, wind erosion of soils, movement of construction vehicles along haul roads, excavation, orRead MoreConservation Of Energy And A Preservation Of The Environment1840 Words   |  8 Pagesskyrocket in gasoline prices and an increase in vehicular pollution shows the need for change in how vehicles are designed. It is unden iably time to evolve beyond the status quo of the current gasoline driven automobiles that continue to contaminate the atmosphere. The overlaying issue is that these machines consistently pollute the world while running on a natural resource that won’t last the human race for long. Neglect for the automobile-induced pollution has spread like wildfire, and has been provenRead MoreThe Extinction Of Species Extinction1045 Words   |  5 PagesPrinciple 15 of Agenda 21. This principle, precautionary principle calls for protection of environment if there are serious threats or if there is potential for irreversible damage to the environment, such as species extinction. Air Pollution In California, vehicular emissions are regulated, and vehicles must be smog checked regularly. There is also a legal provision that demands smog certified before a vehicle is sold. It is illegal in California to drive a non-exempted vehicle without smog certificationRead MoreEnvironmental Pollution and Degradation3803 Words   |  16 PagesEnvironmental Pollution Increased and uncontrolled human activities like industries, transportation, agriculture, health care, dwelling, and energy generation are some of the causes of environmental pollution. Several industries like textile, steel, paper, sugar, food, petroleum, cement industries, and chemical industries and causes soil or land pollution, air pollution, and water pollution. Conclusion of environmental pollution is that the major cause for the environmental pollution is activitiesRead MoreThe Environmental Problems in India6662 Words   |  27 Pagesputting a strain on the environment, infrastructure, and the country’s natural resources. Industrial pollution, soil erosion, deforestation, rapid industrialization,   urbanization, and land degradation are all worsening problems. Overexploitation of the countrys resources be it land or water and the industrialization process has resulted environmental  degradation of   resources.   Environmental pollution is one of the most seri ous problems facing humanity and other life forms on our planet today.   Ã‚   Indias

The Teacher s Tools Background - 1542 Words

The Teacher’s Tools BACKGROUND The purpose of a teacher is to plan and organize a learning environment that guides students to achieve their academic potential. Teachers happen to have certain skills, knowledge, and tools. According to Dawn McKay states, â€Å"A teacher instructs students in subjects such as science, mathematics, language arts, social studies, art, and music, and then helps them apply those concepts. Teachers work in public or private elementary schools, middle schools, and high schools. Those working in middle and high schools usually specialize in teaching one subject.† Teachers teach students how to accomplish something, talk to students to convey information effectively, use learning strategies, active listening, monitor†¦show more content†¦I walked into the classroom and saw other teachers carrying identification lanyard cards. Most of the teachers carried keys which I believe their keys to be able to enter their classroom and or building. I saw that the teacher carried a ri ng which I assume she is married. They also carried pens and notebook planners and talked about the schedule plan for the next week because a teacher was going to be gone so they needed to adjust certain things. Another teacher asked if they could borrow computers that students are able to use in their classrooms, so teachers occur to always be sharing their tools. I sat down and looked around. The classroom was set for a small group with different type of stations. The teacher had a lecture desk and had a couple of written papers there. It seemed like she was comfortable using it when lecturing. There were a large amount of reading books. In the teacher’s board was objectives for the students. In the teacher s desk there were many pictures of her family and of students’ drawings/notes. In her desk there were other types of notes papers and books stacked on top of each other and there were in compartment files. I saw projects all around the classroom that 7th graders a nd 8th graders completed. There were posters that encouraged students learning and thinking. There were 4 computer stations. They carried them because it was necessary to do their job as a teacher to teach and aShow MoreRelatedHow Do Digital Media Affect The Classroom?1716 Words   |  7 Pageshow it works when it is in people s minds and mouths. In this essay I will firstly be explaining my understanding of the topic sentence, as well as discussing how it is important for a teacher to understand language, both as an object, as its parts as well as language as a whole, in motion. I will then be talking about how digital media in the classroom can provide a way to involve all children overcoming the differences in language they may have, but that a teacher would have to keep in mind thatRead MoreUnderstanding Student Characteristics As An Educator Essay1309 Words   |  6 PagesUnderstanding student characteristics as an educator allows for more successful planning because student characteristics are affected by diversity, which exists inside and outside the classroom. Teachers should always remember to start where the students are, not where content begins. Before planning lessons, teachers should assess their students and take into account the differences and similarities amongst the students and the societal effects on them, this allows the individualization of planning. ByRead MoreComputer Aided Learning And Ict Tools Essay1593 Words   |  7 Pageswhich computer aided learning and ICT tools can effectively be implemented in the classroom. 1.0 INTRODUCTION In this chapter the researcher focused on the background of the study, statement of the problem, objectives of the study as well as the researchquestions. The significance and limitations of the study were also highlighted in this chapter. Key terms were also defined in this chapter. The study seeks to find ways in which computer aided learning and ICT tools can effectively be implemented inRead MoreTeaching Of A Differentiated Classroom Essay977 Words   |  4 PagesClassrooms today are diverse, have issues that were not previously present, and more is demanded of teachers than ever before. The readings in chapter six of Differentiated Instructional Management (Chapman and King, 2008), stuck me that many of the presented plans are intertwined with each other. I will explain three areas of planning in a differentiated classroom. I will not only discuss the areas of planning, but also speak about how I will incorporate and use the information in my teaching. Read MoreIssues Of Povert y And Multicultural Education Essay1545 Words   |  7 Pagesovercome as a teacher. In addition, these two might even come hand in hand. In some cases, a child might have to deal with both of these in his/her education, as well as their own learning. To teach a multicultural classroom, one much teach the diverse groups of students in a way that all cultures, ethnicities, and national heritages can learn. Incorporating poverty, including white poverty, into a multicultural classroom means that the teacher must also teach according to their backgrounds and homeRead MoreThe Vision Statement : Buford Academy1168 Words   |  5 Pagesstakeholders that included teachers, parents, and a variety of staff members. The survey included both short answer questions and Likert questions to gather data about technology usage in our school. 1. Short Answer: â€Å"Does Buford Academy have a clear vision in regards to technology implementation and usage?† 2. Short Answer: â€Å"What was your role in creating the school’s technology vision?† 3. On a scale of 1 (minimum) – 5 (maximum): â€Å"How would you rate the technology devices and tools that are availableRead MoreRole of Teacher1229 Words   |  5 PagesRole of teacher Role of teacher Teachers play an important role in fostering the intellectual and social development of children during their formative years. The education that students acquire is key to determining the future of those students. Whether in elementary or high schools or in private or public schools, teachers provide the tools and the environment for their students to develop into responsible adults. Teachers act as facilitators or coaches, using classroom presentations or individualRead MoreQualities of a Good Teacher1707 Words   |  7 Pageswhat makes a good teacher? What separates a mediocre teacher from a terrific teacher? Teachers play an important role in the education of our society. Important skills and aspects to have are knowledge of the learning materials, respect for the children, good communication, and an understanding of the needs of the children. These are the qualities a good teacher to should have. Knowledge One of the most important qualities for a teacher to have is knowledge. A good teacher should understandRead MoreCareer As An English As A Second Language Teacher?1702 Words   |  7 Pages Eric Thomas 10/13/16 ENGL 331 PROFESSIONAL RESEARCH PROPOSAL WHAT DOES IT TAKE TO PURSUE A CAREER AS AN ENGLISH AS A SECOND LANGUAGE TEACHER? ESL  is a common abbreviation used in schools and it stands for English as a Second Language. Schools will often use the term  ESL  when describing the programs that educate students who are not native English speakers and for describing the ESL  students themselves. ESL is a career path that is taken to educate students who are not native English speakersRead MoreEvaluation Of The Elementary English Language Learners And Special Education1738 Words   |  7 Pages Assessments are important tools that educators use for a variety of reasons. The basic use of assessments is for measuring the student’s knowledge. For English Language Learners and special education students, assessments are generally used for placement. Using the results from the evaluations, educators use their findings to place the students in the most beneficial class for them. As more ELL students enter the classroom as well as other diverse scholars, the importance of having knowledge of

TCS FInancial Statement analysis Free Essays

Major Sources of Revenue: a) Revenue from operations: accounts for 98% of the total revenue of the firm and consists of the revenues from the below categories Information technology and consultancy services: contributes 97% of the total revenue from operations Sale of equipment and software lilicenses contributes 3% of the total revenue from operations b) Other Income: accounts for approximately 2% of the total revenue of the firm and consists of the revenues from the below major categories Interest Income: Contributes to 81. 0% of the total revenue from other income 73% of the Interest income comes from Interest on Bank Interest on long term Bonds Debentures. 25% of the Interest income comes from Inter-Corporate deposits. We will write a custom essay sample on TCS FInancial Statement analysis or any similar topic only for you Order Now Profit from Sale of mutual funds and other current Investments Contributes to 0. 57% of the total revenue from other income Major Expenses a) Employee benefit expenses: consumes 35. 78% of the total operations revenue and consists of the below categories Salaries and incentives: accounts for 87. 57% of the total employee benefits expense Contributions to Provident fund pension [Superannuation/Gratuity etc. Staff welfare expenses. b)BOperations and other Expenses: consumes 32. 11% of the total operations revenue and consists of the below major categories Overseas business expenses: – accounts for 43. 4 % of the total Operations and other Expenses Services rendered y business associates and others: – accounts for 18. 42% of the total Operations and other Expenses hardware and material costs: Software, – accounts for 1 1 the total Operations and other Expenses (c) Tax expenses: consume 7. 27% of the total operations revenue (d) Dividend on equity shares and tax thereon for Fiscal 2014 accounts increased by 40% Year on Year (7058. 2 crscoresiscal 2014) Major Uses of funds: a) Cash And Bank Balances: accounts for 21. 51% of the total Non-Current Investments and Current assets. Company has increased the Cash and Bank balances significantly in fiscal 2014. Horizontal analysis on the Balance Sheet for Cash and Bank Balances shows a Year on Year growth of 113. 34% for fisca l 2014. b)BPurchase of Fixed Assets: The Company has been investing in infrastructure development across various locations in India to meet its growing business needs. Additions to the gross block in fiscal 2014 amounted to 2,284. 7 crscoresHorizontal analysis on the Balance Sheet for fixed assets shows a Year on Year growth of 28. 27% for fiscal 2014. c)CNon-Current Investments: Company has increased the Non-Current Investments significantly in fiscal 2014. Horizontal analysis on the Balance Sheet for Non-Current Investments shows Year on Year growth of 134. 97% for fiscal 2014. d)DLong Term Loans Advances: accounts for 10. 85% of the total Non-Current Investments and Current assets. e)EShort-term loans and advances: accounts for 6. 2% of the total Non-Current Question 2: Perform a horizontal and vertical analysis on the Balance Sheet and Profit and Loss Account and comment on any significant changes that you observe over the last 2 years. AnNASPlease refer the attached excel shee t for arriving at the below conclusions a) Profit Loss statement: Significant observations on Horizontal analysis. Net Profit After tax for Fiscal 2014 shows a Year on Year growth of 37. 70%. Net Profit After tax nearly doubled when compared with Fiscal 2012. EPPEPSEarnings per Share) also show consistent growth in the last few Fiscal years. EPPEPShows a Year on Year increase by 37. 58% in Fiscal 2014 Finance Cost for Fiscal 2014 has decreased significantly by 20%. Tax for Fiscal 2014 has increased significantly by 51% Year on Year. Profit Loss statement: Significant observations on Vertical analysis. Despite a significant increase in the Employee base we find that Employee Expenses s a % of revenue remained constant around 35% in the last few Fiscal years Total Expenses as a % of revenue remained constant around 70% in the last few Fiscal years Total Tax as percentage of revenue, increased from 6. 37% in fiscal 2013 to 7. 2% b) Balance Sheet: Significant observations on Horizontal analysis. Non- Current liabilities shows a Year on Year growth of ofof4. 64% in Fiscal 2014. Fixed assets shows a Year on Year growth of 28. 27% in Fiscal 2014 Current liabilities shows a Year on Year growth of 34. 33% in Fiscal 2014. Reserves and Surplus shows a Year on Year growth of 27. 76% in Fiscal 2014. Share Capital shows a Year on Yea r negative growth of 33. 76% in Fiscal 2014. Current assets shows a Year on Year growth of 36. 62% in Fiscal 2014. Long Term borrowings shows a Year on Year negative growth of 2. 4% in Fiscal 2014. Balance Sheet: Significant observations on Vertical analysis. Cash and bank balances as a % of the total Assets excluding fixed assets increased from 12. 97% Fiscal 2013 to 21. 51% Fiscal 2014. Non-Current Investments as a % of the total Assets excluding fixed assets has been increasing steadily in the last few Fiscals. Short-term loans and advances as a % of the total Assets excluding fixed assets eccreasedrom 10. 81% in Fiscal 2013 to 6. 42% in Fiscal 2014. Goodwill as a % of the total Assets excluding fixed assets decreased from 6. 86% in Fiscal 2013 to 3. 7% Fiscal 2014. Question 3: Scrutinize the Notes to Accounts and Statement on Significant Accounting Policies and check for any deviations in accounting policy over the last year with respect to major items. AnNASThere were no deviat ions with respect to significant accounting policies. However TCTTSdopted a new hedge accounting principle under the below category. a)AForeign currency forward, option and futures contracts: TCTTSnters into foreign currency forward, option and futures contracts to manage its exposure to exchange rate fluctuations, in accordance with its risk management policies. With effect from January 1, 2014, the Company has adopted hedge accounting principles in line with International Financial Reporting Standard 9 (referred to as IFFIRS), which align more closely with the Company’s risk management policy. The change has resulted in a reduction of ‘ 4. 76 crscoresn profit before tax in fiscal 2014. Question 4: Examine the Statement of Cash Flows for the last 2 years and point out the following: ) Major sources and Uses of cash: Sources: -Operations: Cash generated from operations, post adjustments to profit before tax, has gone up from 16,436. 77 crscoresn fiscal 2013 to ‘ 21,795. 4 crscoresn fiscal 2014, registering a growth of 32. 60% over the previous fiscal. -Income from Interest InInterestn funds invested went up by 71. 22%, from 798. 80 crscoresn fiscal 2013 to 1367. 72 Uses: crscoresn fiscal 2014. During fiscal 2014, the significant uses of cash were Acquisition of French Company AlAlit. A. foFor52. 41 crscoresPayment of Divide nd dividend tax for 5,489. 54 CrScoresurchase of fixed assets Increase in inter-corporate deposits Investment in fixed deposit. Pay Taxes amounting to 7,043. 63 CrScoresover Working Capital expenditures (b) Were the cash flows from operations greater than or less than net income? Explain in detail the major reason for the differences in these 2 figures. For Fiscal 2014, by referring to the Consolidated financial statements we get the below fgfiguresNet Cash provided by from Operating activities = 14751. 41 CrScoreset Profit for the year = 19163. 87 crscoresnNASNet Cash provided by from operating activities is less the net income. Explanation: Working Capital fgfiguresnder the categories below are the major reasons for reducing the Net Cash value provided by from operating activities below the net income. ) Unbilled Revenue – (811. 60) CrScores) Trade Receivables – (4015. 80) CrScoresc) Was the firm able to generate enough cash from its operations to be able to pay for all its capital expenditures? For Fiscal 2014, by referring to the Consolidated financial statements we can arrive at the below table. Net Cash provided by/Used in Fiscal 2014 Fiscal 2013 Operating activities 14,751. 41 11,614. 96 Investing activities (9,667. 08) (6,085. 66) Financ ing activities 5,673. 24) (5,729. 48) Exchange difference on translation of foreign currency 21 5. 41 48. 5 Net (decrease)/increase in cash and cash equivalents after translation (373. 50) (152. 13) Purchase of fixed assets accounted for (3126. 15) CrScoresf the Net Cash of (9,667. 08) crscoressed in investing activities. From the above table we can clearly infer that the company generated enough cash from Operating activities to fund the capital expenditures on its own. (d) Did the cash flow from operations cover both the capital expenditures and payment of dividend, if any? AnNASDividend paid accounted for (5480. 7) CrScoresf the Net Cash of (5673. 24) crscoressed in financing activities. From the above table we can clearly infer that the company generated enough cash from Operating activities to fund both capital expenditures payment of dividends on its own. (e) How did your firm invest its excess cash (if any)? Cash flow statement from Investing Activities indicate that the excess cash that remains after investing and financing is mamajoraintained in Short-term bank deposits. From the Cash Flow Statements we can see that Short Term deposits increased from 4911. 46 crscoresn Fiscal 2013 to 12948. 9 CrScoresn Fiscal 2014. This accounts for a significant growth of 163%. g)GAre there any other unusual / extraordinary items of cash inflow / outflow? AnNASCash outflow due to Taxes: Cash Flow Statements indicate a significant increase in Taxes for Tax for Fiscal 2014. Taxes have increased significantly by 46% Year on Year. By referring to Management Discussion Analysis Notes forming consolidated statements we can infer that company has paid (1) Additional tax of 2,129. 82 crscoresaid by TCTTStd on its higher income for the year and (2) 92. 00 crscoresf higher tax on dividend received y TCTTStd from its overseas subsidiaries. How to cite TCS FInancial Statement analysis, Papers

The Moths And Other Stories free essay sample

â€Å"The Moths† There are many parts about Helena Maria Viramontes’ story â€Å"The Moths† that I could relate to. I was very drawn to the ways in how similar my experiences were to those of the narrator. I along with my mother had to care after my grandmother whose health was slowly depleting. This young girl transforms because of her experiences and hardships through subjugation by her own culture, the struggle for freedom, and the grief that came from her grandmothers’ death. I believe Viramontes depicts a great story about change in which the â€Å"Moth† symbolizes the oppression that the narrator experiences in her household’s religion and also because of the social structures related with it, contrasted by the willingness for freedom of development within the native â€Å"curandera† custom that was instilled in her by her grandmother. One of the first things I began to notice is that the characters within depict a binary opposition. We will write a custom essay sample on The Moths And Other Stories or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page It is a tension between Curandismo and Catholicism. In the story the religious practices between that of Catholicism and â€Å"curandera† are binary opposites that in my opinion are depicted through symbolism. The conflict can be seen as the narrator being reprimanded for not going to church, and keeping refuge inside grandmothers house where she could pretend to have gone to mass. Although evading mass would necessarily be symbolic of binary opposition I believe that there are several symbols that are deemed as holy through tradition and holds an intrinsic meaning to those who still hold those beliefs. Throughout the story there are symbolic meanings like Abuelitas’ one gray eye, the eye that made you feel â€Å" Like God was supposed to make you feel†, compared to the blank eyes of the churches statue creates a tension between the catholic church and grandmother. â€Å"The Moth’s† also relates to gender based power structures and the role men play in relation to those structures. The male role is a very important one in this story with every reference to men, throughout the entire story, is given a negative connotation. Men are seen in being in positions of power where as woman are not. The only exception to that is grandmothers’ role as a â€Å"curandera†Ã‚  creates more opposition between the roles of men and women in society. The narrator is punished by her father for not attending mass so she seeks refuge in a place where woman hold a position of power, â€Å"curandera†. While her father squeezes his nails into her arm, grandmother tenderly medicates her swollen hands again symbolizing the opposition. We can assume through the father’s behavior that he stays in control by using methods of abuse while grandmother uses methods of nurturing. This idea can be seen clearly in the differences between the powerful â€Å"curandera† compared to the weak and frail, catholic mother. Grandmother is described as having the ability to extract scarlet fever out of someone using potatoes slices compared to the descriptions of the mother that are those of her crying from being abused by her husband. Not only is there a difference in their physical endurance but also in their willingness to escape from their cultural boundaries, for example their battle against the Greenbelt states. I believe the narrators’ role is symbolic to the options that are available for women within that culture and the behaviors that are encouraged and criticized. I believe the conclusion is stating that a Latina can only hope for a partial escape from the men’s tyrannical rule. Being a caretaker, forced the narrator to grow up faster than others so she could develop a sense of humanity, and through her grief realize that caring for humanity is an indispensable virtue, even when surrounded by oppression.