Week three questions Assignment Example | Topics and Well Written Essays - 500 words

Week three questions - Assignment Example They advertise their products to gain attention of the people. They display pictures of the individuals, where individuals were fat in one picture and say after two weeks they lost 10- 15 kilograms and became very lean, in the next picture. However, all these claims are unrealistic and do not have any biological significance. 2. Short term results- Fad diets are designed with food items possessing very low carbohydrate content and also have low calories, whereby body loses water and one develops the concept that loss of weight is due to fad diet. Later, as soon as water is consumed, the body gets rehydrated and one is back to the previous stage. In certain cases, eating insufficient or poor carbohydrates generates hypoglycemia (a state or a condition of the body where the blood glucose level falls down) and one feels weak and lethargic. In order to revive or do any work one needs to consume good amount of sugar or sugar products. Here, the diet fails. According to the research study carried out by the Center for Disease Control and Prevention (2007), 8% of the individuals who adopt such measures of consuming fad diet for weight loss persist to lose 5% of their body weight in one year, while 59% are able to maintain body weight within 5%, on the other hand more than 33% of the individuals regain more than 5% of their initial body weight, especially individuals with sedentary life style. 3. Lack of Behavioral Modification Program- In order to lose weight in a sustainable manner it is essential that discipline in life be maintained. Alteration in eating habit may be of help. The diet program of fad diet does not incorporate any lifestyle modification measures, which is the most imperative step in controlling weight. A research study carried out by the scientists at the Pennington biomedical Research Center at Louisiana State University (2010) states that gradual weight loss

Office of Human Resources Essay Example for Free

Office of Human Resources Essay I am writing in response to your opening of an Administrative Support Assistant at the Northampton Campus. My professional experience with administrative duties and customer service would make me a good candidate for this position I am capable of handling a variety of services and functions; from proficient knowledge of Word, Excel and Power Point to problem solving and customer service resolutions. In me, you will discover a reliable, detail oriented and hardworking professional associate. I’d like the opportunity to tell you more about my work experience and how my skill set could contribute to the successful day-to-day running of your operation.

Teenagers and their Credit Cards Essay -- credit

Teenagers and their Credit Cards Availability of credit cards have left young people in debt. College-age students and low-income consumers, typically deemed bad risks, are easy targets for credit card companies. Credit card companies should not target college-age students and low-income consumers because of their lack of financial stability. In 1996, twenty-something consumers owed an average of $2,400 on their credit cards, nearly triple what they owed in 1990, according to research by Claritas Inc., a marketing research firm in Virginia. If, payments of $75 were made monthly to pay off a $2,400 debt, it would take 3-1/2 years with a 16 percent-rate card, and you'd pay $ 750 in interest. "There's no question that young adults are the most heavily burdened by credit card debt," said Stephen Brobeck, executive director of the Consumer Federation of America. Many will plunge into debt. Many teens waste little time taking on debt after leaving home. The number of 18 and 19 year olds with credit cards in their own name is climbing, according to Teenage Research Unlimited. Of American teen between 18 and 20 years old, 41 percent have their own cards, compared with 36 percent last year. Across all age groups, the statistics don't paint a pretty picture. Bankruptcy fillings in the United States have more than doubled in the last decade, from 530, 436 in 1986 to 1.2 million last years. Americans owe $ 484.6 billion in credit card debit, up from $ 437.9 billion in 1996, according to the Federal Reserve Board. That National Foundation for Consumer... ...bsp; Works Cited Evans, David, Richard Schmalensee. Paying with Plastic: The Digital Revolution in Buying and Borrowing. Massachusetts: Massachusetts Institute, 2000 Citibank. Citibank, Nader and the Facts. New York: First National City Bank, 1974. Kaminow, Ira, James O'Brien. Studies In Selective Credit Policies. Philadelphia: Federal Reserve Bank, 1975. Mandell, Lewis. The Credit Card History: A History. Boston: Twayne, 1990. Manning, Robert. Credit Card Nation: The Consequences of America's Addiction to Credit. New York: Basic Books, 2000. Polto's, Pearl, Bob Oskam. Easy Guide to Good Credit. New York: Berkley Books, 1990. Wood, Oliver, William Barskdale. How to Borrow Money. New York: Van Nostrand, 1981.

Police Structure Essay

When it comes to law enforcement at the federal there are twenty one agencies that deal with issues of law enforcement. The FBI is one of these agencies, which was established in 1908. It is currently the main investigative agency of the Federal Government. The FBI is one of the agencies that is organized and run under the Department of Justice. The responsibility of the FBI is to investigate any crimes that happen across state lines as well as violation of federal criminal law. Some of the particular offenses that they investigate are civil rights violations, kidnapping, auto thefts and internal security issues. The FBI will also assist local law enforcement with their investigations as well. So when it comes to their role as it applies to the law. The law enforcement powers that the FBI as well as the other federal agencies have is to enforce any violations of current federal laws and mandates, but also have the power to enforce this over the entire United States. When it comes to state law enforcement most states have established their own state police agencies such as the Highway Patrol or State Trooper which is run under the rules of the state government. The primary purpose of establishing these state law enforcement agencies is to allow a policing agency to work throughout the entire state without the restrictions of city or county boundaries. The authority of these state police body’s are to make arrests, execute search warrants, conduct criminal investigations and enforce traffic laws on state and federal highways as well as investigate traffic accidents. Then there are the policing agencies that represent the greatest number of police officers. Throughout the United States these city police officers who work in large and medium size municipalities are the ones in charge of handling the investigation of such crimes as burglaries, robberies, assaults, and rapes as well as patrol all local streets and highways going through the cit y. The boundaries of these departments are restricted to enforcing the law within their own city limits. These local municipalities are usually run by a chief who is appointed by the city government. Outside the cities in the more rural areas there is a policing agency at the county level. These County police departments function much the same as municipal police, but are run by an elected sheriff instead of an appointed chief and the law enforcement officers who work for a sheriff’s department are typically called sheriff deputies. In the sheriff’s department the sheriff is typically elected to a two or four year term by the population of the county in which they serve. Since the sheriff is elected they usually have more degree of freedom that local city official have. When it comes to organizational theories for police officers and other agencies in law enforcement there are two different divisions the police who you see out on the streets patrolling neighborhoods and arresting criminals then there are those who work behind the scenes and whose job it is to hire and train new employees as well as making sure that communication between police and other entities is secure and not disrupted in emergency situations. They also make sure that all equipment is kept running and in good conditions so that it doesn’t fail the office when needed. These two divisions are who make up the large body of people in law enforcements. This chain of command is a very essential component in law enforcement administration, from the chief down to a patrol officer to those behind the scene the utilization of this organizational chart is what allows for clear delegation of authority in any chain of command structure. As stated in the book Police Administration: Structures, Processes, and Behavior. â€Å"The principal of hierarchical authority is a requirement that every lower level organization must be supervised by a higher level. This results not only in the use of multiple spans of control, but also in different grades of authority which increase at each successively higher level in an organization. This authority flows downward in the organization as a formal grant of power from the chief of police to those selected for leadership positions. These two different grades of authority produce the chain of command† (234, Swanson). With departments having these two very different divisions this type of management style in law enforcement is continually going to change and evolve and it will be up to the people that work in their departments to make the necessary changes by adjusting and personnel and department resources accordingly in order to continue with a working straight forward chain of command. Works Cited Swanson, Charles R, Leonard Territo, Robert W. Taylor. Police Administration: Structures, Processes, and Behavior. New Jersey: Prentice Hall, 2005

Wal Mart

What are the potential effects of computerized scheduling on employee morale? The first one is that this gives more flexibility to the store managers. They can now work more effectively because the system favours productivity and customer satisfaction. Therefore from a managerial point of view, managers are more satisfied with the new system. However, the system generates a schedule that gives more flexibility to workers but less pay checks. Indeed, the workers are no more stable because their working schedule can fluctuate at any time. Therefore, job insecurity increases and the worker cannot feel at ease because he cannot plan his week.Besides, the irregular working hours put the workers in more difficulty in their social life. Moreover, the system gives opportunities for the managers not to give overtime or full-time wages to the workers. These ones will be tensed because they will need more working hours in other to put bread on the table in their households. We can assume that W al-Mart, being the company that gives the lowest wage rate in the US, people that work for this company need money in order to survive in society. So this system turns out to be not at all beneficial morally for the employees.Finally, we can assert that this system gives more power to the managers to fire employees who do not fit into the computerized system. Therefore, the level of employee satisfaction goes down. What are the consequences of these effects for Wal-Mart? The first consequence of this effect is that it gives very bad publicity to Wal-Mart. Indeed, Wal-Mart was known to be the company that gives the lowest wage rate in the US. Moreover, from a social point a view, it was observed that the workers were mainly people from the low class and were from Hispanic origin.So before the new computerized system, Wal-Mart was not a renowned company for its social ways of doing. Now, people will know that the company has given even more insecurity to its cheap labour. The second c onsequence is that the company might have more difficulties to find workers because people will know that the job insecurity has increased. For instance, a company like Walt Disney also gives a low level of wages but the firm gives social benefits (medical aid and social security). This company will therefore be more attractive although it has a computerized system to schedule the workers’ hours.Therefore, Wal-Mart will have competitive disadvantages to find cheap labour because they do not consider the worker’s point of view The last consequence is that from a legal point of view, the company has been criticized. Indeed, the Clayton Antitrust Act of 1914 says that workers cannot be used as an article of commerce. Therefore, people are now saying that the company is using its workers as objects. This goes against Human rights and it gives an awful image to the firm. This gives a lack of credibility to the company and shame to its shareholders. Wal Mart What are the potential effects of computerized scheduling on employee morale? The first one is that this gives more flexibility to the store managers. They can now work more effectively because the system favours productivity and customer satisfaction. Therefore from a managerial point of view, managers are more satisfied with the new system. However, the system generates a schedule that gives more flexibility to workers but less pay checks. Indeed, the workers are no more stable because their working schedule can fluctuate at any time. Therefore, job insecurity increases and the worker cannot feel at ease because he cannot plan his week.Besides, the irregular working hours put the workers in more difficulty in their social life. Moreover, the system gives opportunities for the managers not to give overtime or full-time wages to the workers. These ones will be tensed because they will need more working hours in other to put bread on the table in their households. We can assume that W al-Mart, being the company that gives the lowest wage rate in the US, people that work for this company need money in order to survive in society. So this system turns out to be not at all beneficial morally for the employees.Finally, we can assert that this system gives more power to the managers to fire employees who do not fit into the computerized system. Therefore, the level of employee satisfaction goes down. What are the consequences of these effects for Wal-Mart? The first consequence of this effect is that it gives very bad publicity to Wal-Mart. Indeed, Wal-Mart was known to be the company that gives the lowest wage rate in the US. Moreover, from a social point a view, it was observed that the workers were mainly people from the low class and were from Hispanic origin.So before the new computerized system, Wal-Mart was not a renowned company for its social ways of doing. Now, people will know that the company has given even more insecurity to its cheap labour. The second c onsequence is that the company might have more difficulties to find workers because people will know that the job insecurity has increased. For instance, a company like Walt Disney also gives a low level of wages but the firm gives social benefits (medical aid and social security). This company will therefore be more attractive although it has a computerized system to schedule the workers’ hours.Therefore, Wal-Mart will have competitive disadvantages to find cheap labour because they do not consider the worker’s point of view The last consequence is that from a legal point of view, the company has been criticized. Indeed, the Clayton Antitrust Act of 1914 says that workers cannot be used as an article of commerce. Therefore, people are now saying that the company is using its workers as objects. This goes against Human rights and it gives an awful image to the firm. This gives a lack of credibility to the company and shame to its shareholders.

Free Worship Leader Resources Essays

Free Worship Leader Resources Essays Free Worship Leader Resources Paper Free Worship Leader Resources Paper Licensing Information This book is licensed for your personal use only. No part of this book may be reproduced or distributed in any form except in case of brief quotations or book reviews. Please note that much of this publication is based on personal experience and anecdotal evidence. Although the author has made every reasonable attempt to achieve complete accuracy of the content in this book, the author assumes no responsibility for errors or omissions and shall not be liable for any loss or damage if any caused either directly or indirectly by the information mentioned in this book. Any trademarks, service marks, product names or named features are assumed to be the property of their respective owners, and are used only for reference. There is no implied endorsement if these terms are used anywhere in this book. All rights reserved worldwide. ISBN: 978-1-300-09862-1 This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivs 3. 0 Unported License. TABLE OF CONTENTS INTRODUCTION BIBLE READING AND STUDY PRAYER / DEVOTIONAL / SPIRITUAL GROWTH WORSHIP TRAINING MUSICIAN RESOURCES SONGWRITING AUDIO RECORDING amp; EDITING WORSHIP PROJECTION SOFTWARE IMAGE AND VIDEO BACKGROUNDS WORSHIP PLANNING WORSHIP MAGAZINES ABOUT THE AUTHOR Introduction Let? s face it. Worship ministry can be expensive. We buy CDs, DVDs, attend seminars, subscribe to magazines, sign-up for webinars/podcasts, pay for planning tools, training conferences etc. : All of which can burn substantial holes in our wallets. Not to forget most online resources are from the US or the UK and a „reasonable price? in these countries is way beyond the boundaries of affordability for the rest of us! I live in India and face this all the time. So it is kind of a necessity for me to keep hunting for genuinely affordable resources. This is how I came to realize the Internet is a treasure trove of free tools that can be used for personal or ministerial growth. This book is a list of many such resources that I have discovered and used, compiled in an easy-to-access manner. My prayer is that this book saves you searching time amp; effort and proves to be of practical use in taking your worship to the next level. Here we go! Gangai Victor Bible Reading and Study 1. e-Bible offers reading plans, concordances, commentaries and dictionaries apart from the facility to take notes, highlight verses and provide multiple translations. ebible. com/ 2. Bible. is is a great resource to read and listen to the entire Bible for free with features like podcasts, verses via SMS, twitter feed apart from a cool Facebook app, which facilitates group reading/study of the Word too. ttp://www. bible. is/ 3. Blue Letter Bible is a rich resource, offering a searchable Bible with study tools, multiple translations, devotionals and commentaries apart from a dedicated section of resources for women in ministry. blueletterbible. org/ 4. The Walking Bible project helps us memorize verses of the Bible by tagging them to music and pictures. Users get to select preferred verses to memorize by topic or from any book in the Bible. walkingbible. com/ 5. My Study Bible provides an online Bible packed with features like word study, video player, commentary, dictionary and more. ttp://www. mystudybible. com/ 6. USCCB Bible is an online Catholic Bible provided by the United States Conference of Catholic Bishops (USCCB). For those who wish to read a modern translation of the deuterocanonical books, which are not found in non-Catholic Bibles, this is a must-have resource. usccb. org/bible/index. cfm 7. Biblia. com is another cool online Bible resource created by the same folks who built the greatly popular Logos Bible Software. It offers lots of different translations and facilitates the use of the Bible side-by- ide with related reference books in an extremely contemporary interface. http://biblia. com/ 8. The Complete Bible Genealogy is a resource of immense value when we want to study specific persons in the Bible. It provides details of a whopping 3087 persons in the Bible including family trees and verse links! The content is neatly organized under heads like Every Person in the Bible, Genealogy of Jesus and Kings of Judah, Israel. complete-bible-genealogy. com/ 9. Bible Study Tools is a comprehensive Scripture resource with top notch features like search from 3 9. Bible versions, online Bible reading plans, access to parallel Bibles, concordances, commentaries, dictionaries, encyclopedias, lexicons in Greek amp; Hebrew, topical studies, sermon illustrations and more! biblestudytools. com/ 10. Biblios provides parallel Bibles, concordance, dictionary, encyclopedia, devotions, commentaries, atlas, lexicon, original language tools and more. http://biblos. com/ Prayer / Devotional / Spiritual Growth 11. Go Tandem is built on the sound premise that daily engagement with the Bible is essential for spiritual growth. Once we fill up a spiritual growth assessment questionnaire and choose topics of interest or struggle, Go Tandem will send relevant Biblical text and voice content via email and SMS giving us a personalized experience of walking with God? s Word daily to become more like Jesus. The customized content is designed to help us hear/read God? s Word along with short chal enging reflections leading to a response to His Word by identifying areas of change in our lives and relationships. Go Tandem can even arrange for a one-time or weekly call to see how we are doing and pray with us! ttps://gotandem. com/ 12. The Daily Examen is a PDF published by Busted Halo. It? s a concise Ignatian Daily Examen tool that teaches us a method of daily introspective prayer that involves a 6-step process. Alternate download link: http://bit. ly/O6goLN 13. Other6 is a community dedicated to help each other find God at all times in all things. It? s a place for people to share where and how, they find and experience God? s presence beyond Sunday i. e. the other 6 days of the week. According to the site Ignatius of Loyola, the 16th-century founder of the Jesuits, devised an examination of consciousness† a prayerful review of the day intended to help people recognize where they were finding, or needing to find, God in their lives. Other6 takes the essence of this centuries-old practice of the Examen and adapts it for today’s Internet-driven world by posing two questions: â€Å"Where have you found God today? † and â€Å"Where do you need to find God today? † other6. com 14. Examen. me is a user-friendly online service providing a unique approach to personal prayer and Bible study. Each study is called an examen, which we can use to read, study, meditate and interact with God t our own pace. Also included is a handy journal, in which we can jot down notes for later reference. There are 2 types of Examens: Scripture Examens and Prayer Examens. The site also provides an export option to search for completed examens and download them in PDF for offline reading. examen. me/ 15. Prayerity is an online prayer journal for individuals, churches, and missionaries. Apart from being a private journal, it can also facilitate us to connect and pray for each other. http://prayerity. com/ 16. I am Second is a unique online video ministry that aims to inspire people to live for God and for others. You? ll find lots of video stories of different kinds of people actors, athletes, musicians, business leaders, drug addicts etc. that will provide great insights into dealing with the struggles of daily life and keeping God first and self second. iamsecond. com/ 17. Operation World has a fantastic section providing lots of free ebooks that will help enhance our prayer lives. Some of the books include â€Å"Cat amp; Dog Theology†, â€Å"The Fasting Journey†, â€Å"How to Use the Bible in Prayer†, â€Å"Praying for the Poor† and many more! operationworld. rg/free-prayer-enhancing-resources 18. X3Watch is a free accountability software, which will send an email to a person of your choice (an accountability partner) with details of the sites that you browse. This will help curb the urge to visit inappropriate sites. x3watch. com/x3watchfreebuy. html Worship Training 19. Worship Central Course is a free worship ministry training program offered by Worship Central, a ministry run by people like Tim Hughes! Material includes text of the talk, notes and PowerPoint for every session apart from a course guide. orshipcentral. org/course/ 20. Student Worship Training Package is a free training package from Church Leaders that contains tips on crafting an entire worship service to reinforce the big idea, training for emcees, promotion video links etc. churchleaders. com/? news=145332/ 21. Worship Leader Training by Samuel Lane offered via Experiencing Worship. Lots of concepts are covered in this series of articles. Topics include worship heart, prayer amp; preparation, practicalities, song lists, dynamics, leading a band and song selection. experiencingworship. om/articles/general/2005-9-Worship-Leader-Training. html 22. Worship Leading Essentials, an ebook by Scot Longyear is full of awesome reference material and tips for worship leaders. http://ebookbrowse. com/worship-leading-essentials-scot-longyear-pdf-d306330665 23. Worship Training is one of the foremost training resources available online. They offer some sessions for free. Free media includes topics like a. Drum Setup: Make The Kit Fit b. Drums In Worship c. How To Mentor Other Worship Leaders amp; Musicians (Webinar) d. How To Create A Healthy Balance Between â€Å"Structure† And â€Å"Free Flow† (Webinar) e. How To Lead A Great Worship Band Rehearsal (Webinar) f. Working Together As Vocalists g. Use Technology To Aid You As A Worship Leading h. Spontaneity In Worship and many more! http://goo. gl/1yMLt 24. A Worship Leader’s Handbook, an ebook by Josiah Oslund is a brief exploration of the personal, interpersonal and practical application of modern music ministry. It is written to be a brief and accessible reference handbook filled with thoughts, tips and technical tricks including topics like how to manage flaky artists and tech teams, how to deal with criticism, tips on getting started with songwriting, nderstanding your ministry context and much more. http://josiaho. com/book 25. Next Level Worship Leading is a worship leader e-course by David Santistevan. The course is a systematic weekly tutorial on important concepts of worship ministry. davidsantistevan. com/nlwl/ 26. Worship Workshop by Don Moen, Lenny Leblanc amp; Team: There are 2 free downloads in MP3 format: a. Qualities of a worship leader/musician a session by Don Moen on topics like being yourself off and on the stage, caring for people, encouraging participation, earning trust, avoiding redictability, submitting to authority etc. b. Worship Band Workshop the 2nd session is a demo of concepts like playing a worship song, sound-check, maintaining flow etc. breaking down the roles of the drums, electric guitar, acoustic guitar, bass and keyboard in worship. votivepraise. com/2012/04/don-moen. html 27. WorshipGod11 training sessions are offered as free downloads by Bob Kauflin at WorshipMatters. Sessions available are: a. Putting Songs Together – Bob Kauflin b. Making Room for the Spirit? s Leading – Pat Sczebel c. Thinking Surgically While Leading Liturgically – Jamie Brown . The Benefits and Limits of Creativity – Bob Kauflin e. Bringing Order Out of Chaos – Ken Boer f. Worshiping a Big God in a Small Church – Pat Sczebel g. Building and Caring for a Tech Team, PT1 – Dave Wilcox h. Building and Caring for a Tech Team, PT2 – Dave Wilcox 28. Worship Leader Online gives away 2 of their many worship leader training eBooks for free: a. Arranging Hymns for a Modern Church has pointers to incorporate traditional hymns into contemporary worship. b. How to Lead Worship in a Small Church offers tips on doing just that. Musician Resources 29. StrumSchool is an online guitar learning website for beginners that teaches basic guitar playing concepts using video and text tutorials. The lessons are structured in an accessible manner especially for beginners. strumschool. com/ 30. Guitar and Bass is a free desktop software for fretted instruments like Guitar, Bass, Banjo and Mandolin. It has the ability to add new instruments and tunings too. It provides scale/chord/interval references, exercises, tablature viewer/editor, ear training exercises, tuner, audio samples from real guitars, chord finder and an advanced metronome. You can plug in your instrument while practising too. guitar-and-bass-software. com 31. Justin Guitar (JUSTIN = Just Use Sound To Improve Now) is an amazing website for guitarists with over 500 free lessons including courses for beginners apart from intermediate and advanced players. Some of the topics covered are basic skills, rhythm, scales, chords, gear, recording, arpeggios and much much more! http://justinguitar. com/ 32. Guitar Praise run by Kenny Gohweizhi has tutorials for electric, bass and acoustic guitars covering many of todays popular praise and worship songs. ttp://guitarpraise. blogspot. in/ 33. For Your Glory by Graham and Daniel Choo has hundreds of worship song tutorials and more are being added regularly. Youll find a tutorial for almost any popular worship song here. http://grahamchoo. blogspot. com/2007/08/christian-music-instructional. html 34. Worship Tutorials is a song tutorial resource run by Brian Wahl containing tons of guitar tutorial videos for popular worship songs. This site also provides song videos to play along apart from chord charts. http://worshiptutorials. com/ 35. Piano in Contemporary Worship This is a 3 part series of video tutorials taught by Bob Kauflin covering just about every important concept for the modern worship keyboardist: a. The first video session covers melody, rhythm, harmony, groove, whole notes, dynamics and practise tips. b. The second session contains tips on playing with a band, fills, using the left hand and acoustic piano vs. electric keyboard. c. The third video has concepts like chord coloring, inversions, playing hymns, developing chords, vocabulary, introductions, transitions, playing behind the speaker and modulations. 36. Transposr is a free and handy online app providing transposing services for chord charts and MP3 files. Simply upload MP3 files, choose a key and Transposr will transpose the MP3 to that key. It can do the same thing to chord charts if you upload them as text files too. Great resource for rehearsals! http://transposr. com/ 37. MixMeister BPM Analyzer is a neat desktop tool to identify the tempo of worship songs. Once the program is installed, select the folder where you store music files, based on which BPM Analyzer will calculate extremely accurate BPM, display amp; sort files by Title, Artist, or BPM, update ID3 tags with xact BPM information, print BPM reports and export BPM counts for use in other programs. mixmeister. com/ 38. Open Metronome is an open source metronome for Windows and Windows Mobile. Its features include user definable BPM amp; measure, visual indicator, hot-keys, 40 MIDI voices, custom rhythm patterns etc. http://sourceforge. net/projects/openmetronome/ 39. Chords! Online is an online harmony recognition service. Simply upload the MP3 of the song (maximum file size limit of 8 MB), provide an email ID and thats it. An automatic email will be sent onfirming the song upload and then another one once the chords are mapped. Post the upload, it takes about 3 to 10 minutes to complete the entire process. http://chords. fm/ 40. Audio Pitch amp; Shift is a neat free program to help musicians learn difficult parts of a song such as complex guitar solos by slowing down the speed of playback without affecting the pitch. The app can also detect the BPM of a song, loop-playback a specific segment of a song etc. http://audiops. codeplex. com/ Songs, Lyrics and Chords 41. Worship Together is a ministry to discover new songs, video tutorials, chord charts by songwriters like Chris Tomlin, Hillsong UNITED, Tim Hughes, Passion, Matt Maher, Christian Stanfill, Brenton Brown etc. Songs are indexed by theme, tempo, genre etc. for easy search. http://worshiptogether. com/ 42. Kingsway? s website gives away a free new song with chord chart every week. The site also has a database of lyrics of almost all songs released under the Kingsway label (classics and new songs) searchable by title, lyrics, author and theme. kingsway. co. uk/ 43. FreeCCM is an information base of the latest Christian music happenings apart from a source of free- o-download songs every week. http://freeccm. com/ 44. Chordbook is a flash-based site that displays guitar strings with an interface to select the chord you want to play, based on which it automatically places visual circles on the guitar strings to help you learn the right placement for your fingers to play that chord. Clicking the strum button play the selected chord to get an idea of how the chord actually sounds like. Also features alternate tunings, capo mode, left and right hand playing, chord search and chord inversions. chordbook. com/ 45. Chord Chart for Keyboard / Piano from Key Sheet Music is a comprehensive PDF containing diagrams of every chord shape commonly used by keyboardists / pianists. With hundreds of the most popular chords to choose from, this book will give you the help you need to develop and progress in your piano playing skills more quickly. keysheetmusic. com/media/bookstore/pianoandkeyboardchords/pianoandkeyboardchords. pd f 46. Tabster is an easy to use simple guitar tab manager program that stores guitar tabs in a local library for easy viewing, editing, and printing. It comes with a built-in browser that enables searching of the tabs vailable in the Ultimate Guitar website, easily download them and add them to a local library. You can also create your own tabs and upload them to the Internet. nateshoffner. com/projects/ 47. Worship Archive is a simple website to find chords for all kinds of worship songs. The site also features a transpose tool to instantly get the chords of a song in your preferred key. worshiparchive. com/ 48. Worship Swap is a community of Christian musicians who share worship song chord charts. There? s a wide variety of songs available here to learn your favorite worship song. Apart from chords, members also share video tutorials. http://worshipswap. com 49. e-Chords is another cool resource to find worship song lyrics and chords. Registration as a member gives you access to all available song chords and enables you to upload songs into its database, create songbooks and receive preferred chords by email. e-chords. com/ 50. Ultimate Guitar is a fantastic site to search for bass and guitar tabs apart from chords. You? ll find multiple versions of chords/tabs for many songs, which should catch the fancy of advanced musicians. ultimate-guitar. com/ 51. The Guitar Hymn Book is yet another useful chords site with a unique feature: finger-style tabs for many hymns! Chords for tons of hymns are available here. Classical guitarists and hymn lovers should love this one. http://guitarhymnbook. com/ 52. SlowMP3 is a musician-friendly music player with 3 unique features: a. A â€Å"Speed† control er to slow down the playback speed – useful to figure out the notes of a solo. b. A â€Å"Transpose† controller to transpose the key up to 6 steps lower or 5 steps higher. c. A â€Å"Transcribe† button which highlights the notes being played on a virtual keyboard, to help igure out the chords. rinki. net/pekka/slowmp3/ Songwriting 53. VersePerfect is without doubt, the most powerful PC freeware for song/poetry writing. Includes a text editor, rhyming dictionary, Hyperbolic Thesaurus, connection to online resources and more to translate your lyric ideas to finished songs. http://bryantmcgill. com/books/rhyming-dictionary 54. Becoming a Better Songwriter is a series of teachings on songwriting provided as free MP3 downloads by Bob Kauflin. Topics covered are: a. Becoming a Better Songwriter – Mark Altrogge, Steve amp; Vikki Cook b. How to Revise Your Own Song – Steve Cook c. Principles of Songwriting – Stuart Townend d. What the Psalms Teach us About Songwriting – Mark Altrogge, Steve amp; Vikki Cook e. What Will Your Next Song Be? Writing Songs on Purpose – Mark Altrogge, Steve amp; Vikki Cook f. Why God Wants You to Write Songs – Mark Altrogge g. Writing Songs People Will Want to Sing – Craig Dunnagan h. Recording Your Song from Start to Finish, Part 1 – Sal Oliveri i. Recording Your Song from Start to Finish, Part 2 – Sal Oliveri 55. WorshipGod11 training sessions on songwriting are also available for download at Worship Matters: a. Practicing and Planning Creativity (for songwriters) – Mark Altrogge, Steve amp; Vikki Cook b. Before and After – The Evolution of a Song – Mark Altrogge, Steve amp; Vikki Cook c. What Makes These Songs Great? – Steve amp; Vikki Cook d. Worshiping God When Your World is Shaking – Craig Cabaniss 56. Songwriting Critique amp; Checklist Forms are available as PDF downloads at â€Å"My Song in the Night†, a blog by Bobby amp; Kristen Gilles of Sojourn Music. http://mysonginthenight. com/2012/07/23/get-your-free-songwriting-critique-form -checklist-form-here/ 57. Rhyme Brain claims to rhyme any word using advanced linguistics and statistics to search over 2. 6 million words! Apart from the rhyming dictionary, Rhyme Brain also provides other songwriting tools like invent-a-word, alliteration aid, an online text editor, a de-wordifier and a pronunciation helper. http://rhymebrain. com/en 58. B-Rhymes is what you need when you? re looking for false/imperfect rhymes. It helps you find near sounding words, so you don? t always have a line ending with „sing? followed by a line ending with „king? – it basically helps avoid lyrical cliches. It outputs words that sound good together even though they dont technically rhyme as well as perfect rhymes. b-rhymes. com/ 59. RhymeZone combines a regular rhyming dictionary with an option to find imperfect rhymes. It also helps find synonyms, antonyms, definitions, homophones, similar sounding words, consonants, related words, words with similar spellings, words with matching letters, etc. rhymezone. com/ Audio Recording amp; Editing 60. Audio Recording Guide is a free ebook to understand audio recording, the music business and the entire music production process. udiorecording. me/music-production-ebook-in-home-audio-recording-mixing-and- mastering. html 61. Audacity is the most famous free digital audio editor program out there. Allows recording / importing audio, post-recording processing, multi-track mixing, effects, plug-ins, pitch and tempo edits and more. Audacity is available for Windows, Mac OS X and Linux. audacity. sourceforge. net/ 62. Linux MultiMedia Studio (LMMS) is available for the Linux, OpenBSD, and Microsoft Windows operating systems. Comes with a song editor, beat amp; baseline editor, piano roll, multiple instruments, MIDI and fruity-loops import etc. Supports LADSPA and VST plugins too. http://lmms. sourceforge. net/ 63. Wavosaur is a free sound editor, audio editor, wav editor software for editing, processing and recording sounds, wav and mp3 files. Wavosaur can edit audio (cut, copy, paste, etc. ), produce music loops, analyze, record and batch convert files. It supports VST plugins, ASIO driver, multichannel wav files and real time effect processing. The program has no installer and doesnt write in the registry. You can use it as a free mp3 editor, for mastering or sound design. wavosaur. com/ 64. Ocenaudio is a cross-platform, audio analysis and editing tool supporting VST plugins, Real-time preview of effects, Multi-selection for delicate edits, Efficient editing of large files, full-features spectrogram and more. softpedia. com/get/Multimedia/Audio/Audio-Editors Recorders/ocenaudio. shtml 65. Free Audio Editor is a comprehensive digital audio workstation that lets you record audio, edit audio tracks, apply various effects with support for a wide range of audio formats including MP3, WAC, OGG, WMA, FLAC, MP2, CDA, AIFF, AAC, AC3 etc. It can cut, crop and extract audio from video including YouTube videos (it can download videos too), apply multiple audio effects / filters, reduce noise and more. swifturn. com/audioeditor. html 66. Wave Editor is a fast and simple digital audio editing software for Windows that supports MP3, WMA and WAV. It is useful for making small adjustments to audio files like fade-in/fade-out, normalize, amplify, insert silence etc. wave-editor. com/ 67. Jokosher is a simple and feature rich multi-track studio application for recording, editing, mixing amp; exporting audio with support for Ogg Vorbis, MP3, FLAC, WAV etc. jokosher. rg 68. Free Audio Editor 2012 is a powerful audio recorder and editor with effects, real-time preview, text-to-speech synthesis and more. free-audio-editor. com 69. Soundcloud helps you make and share recordings with a selected audience or just about anyone online. It is an easy-to-use online audio distribution service which facilitates collaboration, promotion and distribution of audio recordings. There are Android and iOS apps available too. http://soundcloud. com Worship Projection Software 70. Exposong is a projection freeware sporting a clean and user-friendly interface and handles he OpenLyrics data format, thereby providing compatibility with alternative open-source lyrics applications. Supports lyrics, alerts, images, timers, set management, library import / export, compatibility with OpenSong amp; SongSelect files, songbook printing etc. No video features yet. Runs on Windows and Ubuntu-Debian. http://exposong. org/ 71. EasySlides can handle 3 monitors, so musicians on stage can have their own screen to follow the lyrics. Supports lyric display in 2 languages for multi-lingual services, video playback including live amera feed integration, chords storage, alerts, searchable Bible, songbook creation and more. Windows only. easyslides. com/ 72. Openlp is a standard and popular freeware with loads of features for managing and displaying songs, Bible verses, images, videos (not video backgrounds though) and alerts. Comes with Bible import from CSV files, CCLI / SongSelect integration, PowerPoint file import and more. It even facilitates linking songs to audio files for use as backing tracks. Openlp is available for Windows, Mac, Ubuntu, Fedora, Arch Linux and FreeBSD. http://openlp. rg/ 73. Datasoul is a cross platform (Windows, Linux and Mac) freeware that supports display of text, images and video, nice formatting options, alerts, video backgrounds (file and live feed) and separate output for the main screen and stage. It can handle lyrics, chords, transposition and even guitar tabs apart from launching PDF, PPT and OpenOffice files. Another cool feature is its ability to export a presentation to PDF. There are also tools available to import PowerPoint and OpenOffice presentations and songs from EasyWorship. http://code. google. com/p/datasoul/ 74.Quelea is a cross platform (Windows and Linux) projection program that can get you started quickly with your song library as it allows importing songs from various sources like the Kingsway online library, survivor songbooks and source songbooks. It? s also compatible with the Zefania Bible format to import a wide variety of Bibles. Supports lyrics, transposition of chords, PowerPoint, Video playback and more. http://quelea. org/ 75. Sing and Read 2 is a Windows only freeware for displaying songs, hymns, Bible passages, notices amp; orders of service with dual monitor output. Its unique feature is using MS-NetMeeting to broadcast a presentation over the Internet. softwareforworship. com/singandread2. htm 76. Songview has most of the standard features like lyrics, chords, Bible, alerts, handling PowerPoint files etc. It can also track song use history for CCLI reporting and display chords for the musicians on stage as a separate output. Songview is also portable and can be installed and run from a USB stick. Windows only. logos-solutions. org. uk/songview. php 77. Zionworx comes with integrated Bibles and a song database, great text formatting options, CCLI ompliance, service list creation, PowerPoint integration and more. It does not handle chords though. Its unique feature is the ability to connect to BibleGateway. com to download and display Bible passages on-the-fly. Windows only. zionworx. org. uk/ 78. OpenSong is a simple program that supports storing of lyrics with chords (including key transposition), searchable Bible, alerts, dual monitors, creation of printable lead sheets etc. However, two disadvantages with OpenSong are its inability to allow slide edits during the slideshow and lack of video playback. OpenSong is available for Windows, Mac and Linux. opensong. org/ 79. Power Worship is an add-on for MS-PowerPoint for those who are still stuck to PowerPoint for some weird reason. It provides a library to create and maintain lyric files. A set-list can be created by selecting songs from the library and on the click of a button, Power Worship will create a PowerPoint presentation for the set-list with user defined backgrounds, fonts etc. Power Worship is available for Windows and Mac. Apart from PowerPoint, there is an OpenOffice version also available. owerworship. com/ 80. Asaph is no longer in active development but the freeware is still available for download through CNET. It can manage song databases, publish song-sheets/booklets and generate presentations for worship. Windows only. http://download. cnet. com/Asaph/3000-2130_4-47058. html 81. Worship Extreme is a powerful church presentation program with support for HD video backgrounds, feature-rich slide editor, Bibles, alerts and more. Windows only. worship-extreme. com/ 82. PowerSong is an easy to learn presentation tool that comes with multiple databases with song ategorization, extensive text formatting, Bible support, real-time song editing, set-list building, alerts and more. Does not support video though. Windows only. powersong. org/ 83. SNAP Projection is a simple program which apart from its regular song management features also works with PowerPoint slides slides created in PowerPoint can be used in SNAP Projection to present them. Allows editing/correcting slides real-time and set management. Windows only. snapprojection. com/ 84. Open Worship is a cross-platform (Windows, Mac OS, Linux) multimedia application for presenting worship lyrics. http://open-worship. et/ Image and Video Backgrounds 85. Motion Share is an online resource that provides videos with creative commons license, meaning all available media content are free to be used as you please. There are motion backgrounds, mini movies, countdowns, film amp; animation and a category called collections a group of videos based on a theme. motionshare. com/ 86. Desktop Nexus has thousands of high quality images neatly arranged under common categories. The site has a good search function too. Only downside is each image has to be downloaded individually as theres no batch select amp; download option. esktopnexus. com 87. Free HD Motion Backgrounds is a YouTube channel that publishes HD quality motion videos that can be used in your favorite projection software. Nice collection here if video is your thing! youtube. com/user/MovingBacksProducts 88. New Life Church Creative website has a section full of stunning video backgrounds that are available for free download. http://creative. newlifechurch. tv/downloads/backgrounds 89. VLADSTUDIO has wallpapers specific to single monitor, 2 or 3 monitor setups, iPhone and iPad. So if you want customized backgrounds for these devices, this is a neat site to visit. Theres no easy search facility though, so youll have to browse the images page by page till you spot what youre looking for. vladstudio. com/wallpapers/ 90. Wallpapr is a simple search engine to find images. Like Vladstudio, wallpapr also provide images customized for iPhone and iPod. http://marcogomes. com/wallpapr/en/ 91. Wallpapers Wide provides wallpapers in a wide variety of resolutions and sizes. The images are of excellent quality and can be searched by keyword or by category. http://wallpaperswide. com 92. Wallbase is another superb site to find and download high quality wallpapers. The site also has a powerful search facility. http://wallbase. cc 93. Open Resources provides sermon audio, countdowns, promotional design graphics, documents and videos (openers, loops etc. ) that can be fit into a broad variety of themes. The content is neatly arranged under categories like Biblical Themes, Family, Finance, Personal Stories, Healing amp; Recovery, Relationships and Youth, thereby facilitating uncomplicated navigation of available material. openresources. org/ 94. Stock Photos for Free is a free database of photos and images from around the world. The free content is available for use even in commercial projects. stockphotosforfree. com/ 95. Free HD Countdowns is just what the name says: a wonderful site to download countdown videos in HD quality for free. The videos can be used at any event, no conditions attached! http://freehdcountdowns. com/ 96. Free Worship Loops is another great site to download beautiful video backgrounds for free. http://freeworshiploops. com/ Worship Planning 97. Praise Tools is a free (for now! ) online resource that helps organize songs, plan worship services each week and easily communicate it all with the team. ttp://praisetools. com/ 98. Service Builder is a free online worship planning software that facilitates you to organize teams, schedule musicians, connect and share with required people efficiently. It helps track attendance, plan songs, build the order of the service and more. It also packs tons of lyrics amp; chord sheets for thousands of worship songs and hymns. http://servicebuilder. net/ 99. Song Suggest is a one-of-a-kind PC app which comes with a database of around 600+ popular worship songs. You can search for songs, lyrics, chords amp; YouTube videos and use the results to build orship set-lists by theme. While the iOS app costs $2. 99, the desktop version is free. http://worshipapps. com/air/ 100. Google+ Hangouts is a useful tool to stay connected with your ministry team even when not physically present at the same place. Hangouts allow you video chat with up to 9 people! Its good enough to even work out new songs over video chat. It has a Hangouts On Air feature, which facilitates broadcast of live events (like your worship session for example) to any number of people. Make sure you enable an audio setting called Studio Mode, which enhances the sound to near CD-quality. ttp://www. google. com/tools/dlpage/res/talkvideo/hangouts/ 101. Service Planning Worksheet is a spreadsheet provided by Chris Gambill at JourneyofWorship, which helps plan worship services ahead of time and organize service elements like topics, songs, videos, readings etc. It is also available as a PDF document. Alternate download link: http://bit. ly/Si7IPr 102. Planning Center Online offers a free option too with most of the necessary features intact. PLO facilitates planning amp; organizing every aspect of the service in one place including times, people, songs, media, notes amp; ttachments and more. https://www. planningcenteronline. com/signup/free 103. PraiseBase is a database application for worship teams. It provides an interface to track your songs, sets amp; team members and provides a publishing feature to facilitate the creation of an intranet website to share service details with the team. praisebase. com/ 104. Google Drive is not exactly meant to be a worship planning tool, but it can easily be used for this purpose. Plan the worship service in a spreadsheet, upload media files, invite team members to collaborate and share everything seamlessly. Separate each service by creating individual folders for each of them and you have a well maintained, free, cloud based worship planning eco-system. Google Drive? s Android app is simply the icing on the cake! https://drive. google. com 105. Lifeway Worship offers a free online worship planning tool too. lifewayworship. com/worshipPlan/start 106. BOX like Google Drive, can also double up as an effective worship planning tool. You can use it to plan services, track people, assign tasks, review activity, share media and other files, integrate Google docs, stay connected and up-to-date on everything. ttps://www. box. com 107. Guidebook for Fantastic Worship Rehearsals is a free ebook by Rob Rash that is full of practical tips and suggestions for effective worship team rehearsals. http://robrash. us/guidebook/ Worship Magazines 108. Worship Musician! is a bi-monthly resource devoted to equipping congregations and individuals as they seek to lead a life of Christ-centered worship. The digital editions are available for free. scribd. com/doc/92863896/Worship-Musician-Magazine-MayJun-2012 109. Technologies for Worship Magazine (TWFM) is a magazine specifically designed to meet the technical eeds of your church. The digital edition is free. https://www. tfwm. com/intdigmagsub 110. Integrity Digital Magazine is a free digital worship magazine published by Kingsway and Integrity Hosanna. integritydigitalmagazine. com/ 111. All About Worship Digital Magazine is a monthly digital magazine available as a PDF download. Contains artist interviews, devotionals, reviews, articles and more. http://allaboutworship. com/magazine/ 112. Sunday Magazine is an online magazine aimed more at creatives, but it does contain articles on topics related to worship too. ttp://www. sundaymag. tv/ About the Author Gangai Victor is a worship leader, trainer, songwriter, technology enthusiast and founder of the blog, Votive Praise, a resource for worshipers and worship leaders. His blog has been featured on Worship Leader magazine and Worship Ministry Catalyst as a top online resource for worship ministry. Gangai also contributes content for Church Mag and Faith Village. Gangai lives in Chennai, India with his family. Blog: www. votivepraise. com Twitter: @votivepraise Google+: http://goo. gl/zSOIK Document Outline TOC

Fire up Your Passion With These Love and Hate Quotes

Fire up Your Passion With These Love and Hate Quotes Love is a sticky web of emotions. You feel intense emotions towards the object of your affection. At times, you are intensely attracted to your lover. You feel a surge of love that makes you want to be by his side forever. At other times, you are greatly repulsed by your sweetheart. You feel intense anger, possessiveness, and frustration over the smallest matters. You are confused by your sudden bouts of love and hatred welling inside your heart. Love makes you sick: you cant live with it; you cant live without it. Harry Emerson Fosdick has beautifully encrypted this love-hate dichotomy in this quote: Bitterness imprisons life; love releases it. Bitterness paralyzes life; love empowers it. Bitterness sours life; love sweetens it. Bitterness sickens life; love heals it. Bitterness blinds life; love anoints its eyes. Love and Hate Are Two Sides of the Same Coin If this eternal war of love and hate is causing you heartache, take it easy. You are lucky to be in such a passionate relationship. Your love-hate status only goes to show that you are deeply in love. If your partner also shares the same depth of emotions, you are made for each other. Get rid of your insecurity. Your on-off relationship will stabilize once you understand what you want from it. Do you want to get engaged? Is marriage on the cards? Or do you want to simply explore your relationship a bit further before you make a commitment? Take no hasty steps. Share your concerns with your lover, and make sure that both of you are on the same page. Move on, Life Is Bigger Than Love If your partner is not as passionate as you are, you may face compatibility issues. Are you worried that he is just not that into you? Do you fear that your lover is seeing someone else too? Does your lover feel suffocated by your overtures? Begin a New Life With or Without Your Lover If your love is unreciprocated, you need to reexamine your feelings. Perhaps your insecurities are playing truant with your feelings. Or perhaps, you raised your expectations too much. If your unrequited love is causing you much angst, you need to walk away from the pain. Go away to a place where you can think with a cool head. Seek the advice of your trusted friends, and let them help you analyze the situation objectively. You may not see things clearly, but your close friends may be able to help you sort out your troubles. Read motivational books and inspirational stories. These love and hate quotations also bring you different insights about relationships. Read these quotes and master the emotional tug-of-war of passions within your heart. Henry Wadsworth LongfellowTheres nothing in this world so sweet as love. And next to love the sweetest thing is hate. Bob DylanI met a young man who was wounded in love, I met another man who was wounded in hatred. Sigmund FreudDogs love their friends and bite their enemies, quite unlike people, who are incapable of pure love and always have to mix love and hate. Francais Edward SmedleyAll is fair in love and war. Josh BillingsLove looks through a telescope; envy, through a microscope. Mark OverbyLove is much like a wild rose, beautiful and calm, but willing to draw blood in its defense. Mignon McLaughlinHate leaves ugly scars; love leaves beautiful ones. Hermann HesseOften it is the most deserving people who cannot help loving those who destroy them. Francois de la RochefoucauldIn jealousy, there is more of self-love than love. Jonathan SwiftWe have just enough religion to make us hate, but not enough to make us love one another. Havelock EllisJealousy, that dragon which slays love under the pretense of keeping it alive. Mohandas K. GandhiHatred ever kills, love never dies. Such is the vast difference between the two. What is obtained by love is retained for all time. What is obtained by hatred proves a burden in reality for it increases hatred. Harry Emerson FosdickBitterness imprisons life; love releases it. Bitterness paralyzes life; love empowers it. Bitterness sours life; love sweetens it. Bitterness sickens life; love heals it. Bitterness blinds life; love anoints its eyes. Elie WieselThe opposite of love is not hate; its indifference. Ella WilcoxLove lights more fire than hate extinguishes. Doug HortonLove is a given, hatred is acquired. Dr. Martin Luther King Jr.Hatred paralyzes life; love releases it. Hatred confuses life; love harmonizes it. Hatred darkens life; love illumines it. William CongreveHeaven has no rage, like love to hatred turned, Nor Hell a fury, like a woman scorned. Abraham LincolnAm I not destroying my enemies when I make friends of them?

Sample - How to Use SnapChat

Sample - How to Use SnapChat How to use Snap Chat Application Purpose The Snapchat application is a platform for video and photo messaging in both Android and iOS devices. The application enables users to upload images to its server. The snapped images can be edited using quotes, time, weather information or colour filters. The users can then send the edited image or video to other Snapchat users. This document presents step by step instructions on how to install and use Snapchap application. It demonstrates and illustrates users can take, upload and send snap shot as messages. Additionally, the document presents a brief description on how to create, record video files and send as message. This document is meant for the end users of the Snapchat application. Equipment Smart phone Android OS iOS Precaution The application should only be installed in devices that are running ether Android operating system or iOS. The video files created in Snapchat application should not be more than ten seconds. Procedure Getting started Download the Snapchat application from Google store then let it install in your android or iOS device. After installation follow the steps to create a Snapchat profile with your username and profile picture Set appropriate credential after the application has been started Start the application by tapping on the Snapchap application on the main menu present in your device Taking photos and creating videos Once the application is up and running, the user can take photos and video using the application. The video file is limited to ten seconds. Taking photos using this application is simple. Tap on the button located at the bottom centre of the screen. Hold the button on the screen for up to ten seconds in order to shoot a video To upload a video or photo that is already exiting in your device, an additional application known as SnapRoll. Download the application and generate a new set of credentials then log in. Use the SnapRoll’s Snapchat editor to edit the pre-existing photo or video then choose share On the populated list, choose Snapchat in order to upload the selected video or photo. Editing media text Snapchat application presents a number of options for editing the text in the media To add text, the user should tap the photo or video. Tap the T icon on the top right corner in order to choose text options from the available three: Standard, colour centred and colour left justified Use the finger to choose the colour for the media text created Twist and pinch the created text in order to position and resize it. Editing video and photo To add colour filters, time and weather, the user should swipe right and left across the screen of the application. Tap the undo button located at the top right corner to erase the changes made Select the pencil to utilise the drawing tool Slide the finger up and down the colour icon on the right side to select a colour Sending Once the editing is done, take a screen shot of the image and save it to the library of the device or send it to selected contacts Select the image or video file to send Select the recipients from the controlled list Upload the selected file and send to the selected recipients

Answer Question Essay Example | Topics and Well Written Essays - 750 words

Answer Question - Essay Example The FCFE approach pertains to the common stockholders. Unlike the FCFF, which incorporates the EBITDA, the ownership perspective holds that neither does EBITDA account for different capital frameworks nor does it account for cash flow from bondholders. Common stockholders argue that EBITDA fails to allow for adjustments from reinvesting cash flows to improve the value of the company in the long-term. Many financial analysts utilize historical data to establish the ex ante risk premium. Such an approach to predict future performance of stocks and bonds raises some validity concerns within the commercial markets. Besides being difficult to establish the data series and time period to use, some analysts argue that historical data is ambiguous and is not a legitimate method to forecast future returns. In addition, historical data sets are viewed as being independent to each other and are equally distributed over the time period. However, returns on investments are negatively correlated to each other. Statistical Stationarity: The previous financial performance may not indicate the future financial performance in a financial market. For example, in the U.S., changes in the stock market in the 20th century indicate a stationery return series. a. When the Return on Capital (ROC) reduces, the Return on Equity (ROE) significantly reduces, ceteris paribus. Shareholder equity forms part of investment capital. If the capital invested fails to realize the forecasted capital gains, the net income attributable to share holder equity significantly reduces. b. A decrease in leverage increases the return on equity. Reduced long-term debt stimulates capital investments based on shareholders’ equity; that is, low long-term debt induces investments based on shareholders’ equity. Capital investments based on shareholders’ equity would increase the return

Global perpective of macroecomonics Essay Example | Topics and Well Written Essays - 1000 words

Global perpective of macroecomonics - Essay Example The following diagram shows how the current account balance in the US economy had depended upon the trade balances of the nation over the years. Of all the three components of the current account, viz., trade balance, income balance and the transfer payments, the trend in the current account balances of the economy is significantly related to that of the trade balances. Hence, any deficit in the trade balances will seriously hamper the current account balance values of an economy. Since the current account balance determine the current financial asset position of an economy, a depreciating value will imply a poor status of the same that will affect the amount of financial investments into the nation and thus prospects of potential future growth. The sake of the present as well as the future of an economy is the reason for an appropriate monitoring of the trade balance status of the economy. The US economy at present is suffering from the problem of high trade deficit which must be taken care of urgently. This paper tries to focus on the causes behind the trade position of the nation, the consequences that it has on various aspects of the economy and the steps that the Federal Reserve has implemented in this regard. Trade deficit in USA, as the adjoining table suggest is found to be increasing over the years. It is also obvious from the table that, the imbalance or rather deficit is primarily due to a hike in the import purchases rather than a fall in exports. There had in fact been a significant increase in exports between 2001 and 2006, but the proportion of imports is found to have outgrown that of the exports within the nation. 1) A trade deficit in the US has often been argued by economists to be an outcome of a savings-investment imbalance within the nation. When the country had been going through a fall in aggregate savings compared to the investment potentials of the nation, other economies had been witnessing just the reverse

International business Essay Example | Topics and Well Written Essays - 2500 words - 13

International business - Essay Example nce, it is an effort to integrate or transverse some of national boundaries that reduce the national barriers and the businesses can compete for productive inputs and customers across the globe. In other words, it can be explained as an effort to reduce national barriers and establish broader market that permits all buyers and sellers to persuade business activities at a global level. The process of globalization can not only be identified as a buzz word but it will provide opportunities to accelerate pace of major business. Despite the fact, globalization will provide greater opportunities for the business to expand its markets, improve the pace of its performance and productivity. Globalization still remains to be one of the debatable and controversial issues in contemporary times. Researchers claim that the globalization is an excellent concept to boost up economic prosperity but elimination of national barriers cannot be attained. It has created a confusion and paradox situation for the business entities to integrate its operations at a global platform. The statement ‘The problem with the globalization is that there is not enough of it’ indicates that the concept of globalization is not absolutely attainable that has created problem itself. Therefore, the present essay paper will critically analyze advantages and disadvantages of Globalization to interpret the statement. Werhane (2012) explains globalization as an integration process of national economies within the international economy, through trade flows, foreign direct investments, short capital flows, technologies flow and labor forces (Werhane, 2012). The integration of the economies has increased diversity, complications, and controversies because of its multi dimensional nature. Sebastian and Elisabeta (2014) Claim that with the passage of time globalization stresses on the increasing process of integrations among countries within regional economies and political structures, with respect to

European Business Practice Essay Example | Topics and Well Written Essays - 750 words - 1

European Business Practice - Essay Example These include free movement of goods, free movement of people, free movement of services and free movement/transfer of capita (McCormick, 2011). Some of the benefits are as discussed below. Businesses have greatly benefited from the single market. The EU being a free trade area, single market allows the businesses to operate and conduct their business activities in an unhindered manner. Companies have the freedom to invest in any of the member countries as international trade has been fostered. Goods can be accessed at cheaper prices, and the transportation has become easier due to improved infrastructure (Euromove, 2011). The policies for conducting business between the EU member countries have been made more favourable and hence, companies have increased the rate at which they carry out activities and operations. Countries have also benefited greatly from the European Union. This union has boosted and promoted the development of infrastructure, telecommunications and development of trade centers (Weresa, 2010). One example of a country that has benefited from such is Scotland, which is a member country. In the country, roads have been developed, security has been boosted due to the combined armed forces and the level of living standards has been raised as the EU, through structural funds, has given and funded a big percentage of people who are below the poverty line (McCormick, 2011). Another benefit can be seen in terms of economic growth and creation of employment opportunities. Research conducted shows that between 1992 and 2006, the Single market program fostered development as the European Union GDP rose by 2.2 % to 233 billion euros. This, in return, led to the creation of 2.75 million jobs spread across the member countries (Daneshku, 2014; European Union, 2013). Personal benefits can also be realised from being EU members. One has the unlimited

HR (Evaluation and Effectiveness of remuneration practices in a chosen Essay

HR (Evaluation and Effectiveness of remuneration practices in a chosen organisation) - Essay Example Since then, the company’s energy business was publicly introduced as the Origin Energy. Serving more than 3 million customers in Australia and the Pacific today, the company employs almost 4,000 employees throughout Australia, New Zealand, and the Pacific Region (Origin, 2009b). Due to the tight competition in the energy sector, the practice of pirating an employee from one business organization to another becomes difficult to control. By offering Origin’s competitive employees a higher salary and more attractive benefit packages, companies that produce and sell energy products could easily hire and convince these talented people to shift their loyalty and services to them. Given that Origin Energy is serving more than 3 million valued clients in Australia alone, the HR manager at Origin Energy is being challenged to offer competitive remuneration packages to its competitive employees in order to ensure that its competitive employees would remain loyal to the company. In line with this, the effectiveness of remuneration practices at Origin Energy will be thoroughly examined followed by providing recommended solution on how the HR manager will be able to lessen the turnover rate of its employees. The main purpose of remuneration practices at Origin Energy is not only limited in compensating employees in exchange for the services they have rendered to the company but also attract more competitive individuals to join the team for a long period of time. In line with motivating competitive people to actively participate in managing the daily operations of the company, remunerating practices offered by the company aims to retain the best employees who have the necessary skills needed by the business (Origin, 2009d). Remuneration packages offered to Origin’s executive and non-executive directors as well as its employees varies from one

Friedrich Nietzsche Beyond Good and Evil Essay Example | Topics and Well Written Essays - 2000 words

Friedrich Nietzsche Beyond Good and Evil - Essay Example The main ideas explored by Nietzsche include the death of God, the will of power, Urbermensch, amorfati, perspectivism and the eternal recurrence. The idea that is central to his philosophy is the life-affirmation idea involving an honest questioning of all manner of doctrines that drain the expansive energy of life. This paper explores Netzsche philosophy cutting across his terminologies, as well as his philosophical reasoning. The paper discusses Netzsche’s philosophy of â€Å"Beyond good and Evil† with the major focus on Prejudices of life. Nietzsche used many terminologies in his quest to explain his philosophical reasoning. Among them include Nihilism, Master morality and slave morality, Ubermensch, Amorfati and the eternal recurrence. Nietzsche viewed nihilism as what comes out of repeated frustration while looking for the truth. He saw nihilism as latent presence in the foundations of the culture of Europeans, seeing it as a requirement for approaching the destin y. He talks about the cruelty ladder of religion which suggests Nihilism emanating from the intellectual Christianity conscience. Nihilism involves sacrificing the meaning brought about by God in our lives for the object truth. Netzche claims that there exist two types of morality (Nietzsche 56). These are the master morality springing actively from any noble man and the slave morality which builds up reactively in a weak man. The two moralities are not restrained inversions of each other but rather they represent different value systems. He asserted that master morality fits an action in a scale of either good or bad. Slave morality, on the other hand, fits the action in scales of good or evil. His terminology beyond Good and Evil is a way of rejection of metaphysics leads him to deny the moral fact. According to him, there is nothing said to be intrinsically good or bad with no consideration of content. Nietzsche is of argument that morality started when people began associating g ood to what was found to be beneficial and associating bad with what it was considered harmful. He goes on affirming that denying that moral judgment is not based on truths does not mean that acts conventionally known as good need not be encouraged and some considered bad need not be avoided. However, he rejects the absolutism in morality requiring both the weak ones and the strong ones. Nietzsche refers to genealogical element of force as being the will to power. The term geological in this context refers to the differential and generic (Nietzsche 42). The phrase the will to power is termed as the differential element of force. In this case, he implies the element which brings about the differences in the quantity forces whose relation is to be presupposed. Will to power is in this case presumed to be a generic element of force meaning an element producing the quantity that is due to each force. The principle of the will to power does not suppress any chance but contrarily, it impl ies it, since, without having chance, it would not change. Chance is used to mean the bringing of force into relation. The will to power is an addition to force and might only be added to that comes about due to chance. This will to power has some chance at the heart since the will to power is only capable of confirming all chances. Differences in quantity and the quality of force in relation are all derived from the will to power as

HR (Evaluation and Effectiveness of remuneration practices in a chosen Essay

HR (Evaluation and Effectiveness of remuneration practices in a chosen organisation) - Essay Example Since then, the company’s energy business was publicly introduced as the Origin Energy. Serving more than 3 million customers in Australia and the Pacific today, the company employs almost 4,000 employees throughout Australia, New Zealand, and the Pacific Region (Origin, 2009b). Due to the tight competition in the energy sector, the practice of pirating an employee from one business organization to another becomes difficult to control. By offering Origin’s competitive employees a higher salary and more attractive benefit packages, companies that produce and sell energy products could easily hire and convince these talented people to shift their loyalty and services to them. Given that Origin Energy is serving more than 3 million valued clients in Australia alone, the HR manager at Origin Energy is being challenged to offer competitive remuneration packages to its competitive employees in order to ensure that its competitive employees would remain loyal to the company. In line with this, the effectiveness of remuneration practices at Origin Energy will be thoroughly examined followed by providing recommended solution on how the HR manager will be able to lessen the turnover rate of its employees. The main purpose of remuneration practices at Origin Energy is not only limited in compensating employees in exchange for the services they have rendered to the company but also attract more competitive individuals to join the team for a long period of time. In line with motivating competitive people to actively participate in managing the daily operations of the company, remunerating practices offered by the company aims to retain the best employees who have the necessary skills needed by the business (Origin, 2009d). Remuneration packages offered to Origin’s executive and non-executive directors as well as its employees varies from one

Entrepreneural Research Paper Example | Topics and Well Written Essays - 500 words

Entrepreneural - Research Paper Example ea explains to the management the effect that the idea will have on the organization and how to implement the idea in the existing procedures (Christiansen, 2000). The organization has a culture that upholds change that arises. Management has ensured that it has induced a positive culture that encourages employees to welcome any change that will have a positive impact towards the organization’s performance. On the other hand, leaders are the implementers of the change. They ensure that they lead the rest of the organization towards changes the organization. The organization has also ensured that it provides a serene environment for the innovators. This is through providing psychological and financial support to those who have an idea that may change the organizational performance. Employees also give human capital inform of giving ideas towards refining the idea for it to become more effective for the whole organization. This has played a major role in encouraging potential innovators to come up with diverse ideas that has seen an increased competitiveness of the organization (Christiansen, 2000). For the management to increase creativity and innovation in the organization, they must create a good relationship with their subordinates. Many of the innovative ideas come from the low ranked employees. As a result, leaders should adopt open office policy to encourage employees t consult them when need arises concerning the idea (Christiansen, 2000). Second, the organization leaders should set aside funds that will help those with ideas to purchase all the necessary materials required to spearhead the idea(s). Funds have been the greatest setback towards innovation therefore; availability of the funds will encourage employees to come up with ideas that will improve the organizations status (Christiansen, 2000). The management can encourage innovation through giving out incentives. In case an employee comes up with an innovative idea and it brings change in the

Economics and Prostitution Essay Example for Free

Economics and Prostitution Essay Introduction: The word â€Å"prostitution† has always confused the minds of people for years. Constant attempts to solve this existing problem have not really given any positive results. For some time the problem was obviously ignored by the government as if it completely did not know what to do with it. In the beginning of the XXI century a prostitute has become one of the most ordinary goods that the market can offer. It is also necessary to mention that the demand on prostitution is constantly growing due to several factors worth of separate analysis. Prostitution has always been â€Å"covered† from the eyes of citizens as is has always been unacceptable. Nevertheless, the problem does not disappear and in fact it becomes even more â€Å"sharp† with time. Of course it is easier to pretend like there is no enormous amount of women and men that have no other way to survive but offering sexual services. Basically, the Law of Canada has not done anything good enough to solve the problem in any way, except causing vagueness in the understanding  of what is legal and illegal in terms of sexual services. Prostitution has a lot to do with the economy, as it is not only its â€Å"dark† side but also the potential legal income, which is always needed so much. So what is prostitution? Does it need economical stimulation or should it be completely prohibited or ignored? And should the economical approach be used to prostitution at all? Prostitution is not and will never be a standard job and this is something that is to be never forgotten. 2. Choosing prostitution as a â€Å"career† opportunity? Read more: Reasons for Prostitution The most horrifying thing about prostitution is that it has become not just a way to make money for starving and homeless people but also a â€Å"career† opportunity for the young generation. Why do our children have to grow up with the notion that prostitution is a source of getting money and surviving in this world? The contemporary world lives under certain regularities. A man has to get a job that will provide him or her with a sufficient amount of money in order to maintain a normal living. So if a person does not have enough knowledge to get this or that job he or she always has another opportunity to prostitute himself or herself. Prostitution as a primitive was of making money; it is a problem that prevents the society from its perfection and development. Prostitution is obviously a negative phenomenon, demoralizing the society but is has actually become a â€Å"job† for many men and women and this fact cannot remain unnoticed. 2.a. Definition of prostitution Prostitution does exist and it an unchallengeable fact. It existed since ancient times in different countries, with different social-political statuses. A prostitute is a person who provides sexual services in exchange for money. In other words it is a person who offers sex and gets paid for it. Nevertheless, none of the people providing this type of services are performing a business activity. It is usually believed that prostitutes are women; nevertheless men play an important part in prostitution as an object of high demand, too. Anyhow it is very hard to give a definition to prostitution as a profession, because prostitutes do not pay taxes and do not receive any pension while on retirement. Prostitution is not illegal in Canada and this fact puts it in a very uncertain position in terms of possible â€Å"career opportunities† for the young generation. It is legal to  sell services but it is illegal to buy them – this statement makes many people bewildered. One th ing is certain for sure: prostitution – is an act of selling a person’s body for further sexual services for material compensation. 2.b. Danger of the oldest profession Choosing prostitution as a profession is not rational. Yes, it does bring income and the demand is always high. But what will a prostitute remain with at the threshold of the pension age? This is one of the reasons that many people such as the criminologist Dr. John Lowman argue in favor of its legalization1. Prostitution is considered as a potential source of renewing the budget of Canada. But there are also other reasons for not becoming a prostitute except the tax-pension side of the issue. Many of the prostitutes simply disappear and often become the victims of violence. According to the statistics â€Å"90 percent had been physically assaulted in prostitution and 78 percent had been raped in prostitution†2. Prostitutes do not get the protection the representatives of standard professions do. They can also be the cause of spreading of venereal diseases due to the fact of absence of a proper medical checkup. This â€Å"dangers† put prostitution in the position of the â€Å"risk zone† occupation. No one will argue that choosing an occupation with high risks is not rational at all. 3. Economical approach to prostitution Prostitution is legal in Canada. But it is only formally, because â€Å"pimping and operating or being found in or working in a â€Å"bawdy house† (every place where one or more prostitutes regularly work or where â€Å"indecent acts† are performed) are not†3. Criminal Code sections 210 and 211 forbid â€Å"Bawdy houses† and section 212 foresees responsibility for living on the avails of the prostitution of a person. How should the economical approach be applied to prostitution? Canada’s Justice has put prostitution in a position where is has to be done in certain places without any publicity or in other words it has to respect the moral abutments of the society. If prostitution is to be viewed as a type of â€Å"profession† than it is put on the same level with other taxpayers such as teachers, lawyers and many others. The application of the economical approach means that prostitution has to have a legal status. SO this makes us view prostit ution as a business. A business  activity is an independent activity directed to a systematic income arrival from property use, selling goods, work execution or rendering services registered and stated by Law. So prostitution is a systematic income obtained from rendering a service. Prostitution gets the possibility to exist illegally from the gaps in the Law and the Canadian Law with its semi-legalization does not make it easier to define the status of prostitution in the country. If prostitution is legal than prostitutes have to be 18 years old and have the right to medical and social security. At the same time they have to pay the monthly income tax, which will make the profession less profitable, then it is now. 3.a. Prostitution and economy. The existance of prostitution in Canada still can be explained form the point of the economic approach for Canada has a market-based economy. According to the economic approach both of the sides have to be in profit. Demand gives birth to supply and in this terms prostitution is just the reaction of the high demand of sexual services. So it is about the morality of the society in the first place. Third parties should be completely eliminated from this â€Å"deal†. These third parties, known as â€Å"pimps† or even sex-firms are the ones to be persecuted. Sex-workers have become an integral part of Canada’s society and they even form alliances such as the Sex Worker’s Alliance of Vancouver. The amount of money obtained from prostitution is enormous, so therefore the budget is left without any additional financing. There are only two ways out –either to completely legalize it eliminating street prostitution or to completely forbid it. Prostitution has increased in the last years in Canada. This has a lot to do with the sex-tourists arriving to Canada searching for sexual services. This means that Canada is getting foreign â€Å"deposits† that go to â€Å"nowhere†. Conclusion: Prostitution can be found in Canada’s every corner and especially in its main cities4. Its existance is conditioned by many factors. Canada is offering licensed sex but for some reason the gaps in the law enforcements are so big that it is completely impossible to notice them. In many cases prostitution is the only option of a person and the reaction of the government should not be through the legalization of this option but in the creation of other options of decent money making. The economic approach explains the existance of prostitution because any country is a big market place and is interested in  profit in the first place and Canada in not an exception. â€Å"The communicating law† is not effective anymore. Prostitution needs to be analyzed from every single side and needs a new conception of functioning if functioning at all. The economic approach app lication does not imply that the profit is made on the degradation of the society. And it is obvious that if the sex-workers had education, a place to work and a decent salary they would never have found themselves on the panel and could be their labor would have brought a bigger income for the budget. Canada needs to change the economic approach to the human approach and study everything concerning the prostitution for new.

Diamond Gems And Jewellery Industry Commerce Essay

Diamond Gems And Jewellery Industry Commerce Essay The Indian Gem and Jewellery sector is one of the most active and fast upward sectors of the Indian Economy. The gems and jewellery sector in India is unroganised and disjointed. Around 90% of the players operate in the unorganized sector. This was a single step in an industry where traditional business environment exists. The companys operations are general in scope and global in spread cover all facets of diamond and jewellery manufacture and trading in rough and polished stones, at all key locations worldwide. The Indian gems and jewellery sector is pre-dominently needy on the US markets, which is its top export target. This research comprised of activities like listing down various agencies like manufacturers, distributors, etc and also chambers and libraries like the Indian business chambers and network with them in order to gather first hand information. Diamond jewellery is increasingly serving as a fashion statement for the rich to differentiate themselves from others wearing traditional jewellery gold jewellery. The macro environment includes all relevant focus outside a companys limits applicable in thesense that they are important enough to have brought on the decision. An industry finally makes about its business model and  strategy. Gems and Jewellery is an important rising sector in the Indian Economy. Ranked among the fastest growing sectors, it is also a leading sector for foreign exchange generation. The gems and jewellery industry is very much interesting being usually exciting and originally modern. This business employees and engages millions; cover wide activities such as raw material procurement from far flung Africa, Australia, Canada and Russia, and transforming these into products in demand with the skills available in China, India, Italy and Turkey for the trendy markets in the USA, Europe, Far East, Middle East and Asia. TABLE OF CONTENT Preface 4 Acknowledgement 5 Executive summary 6 Sr. No. Particular Pg no. 1 Growth and evolution of diamond, gems and jewellery industry in India. 8 2 Product profile 9 3 Demand determination of the industry 12 4 Players in the diamond, gems and jewellery industry 13 5 Distribution channel in the industry sector 16 6 Key issues and current trends 20 7 PESTEL analysis 23 Growth and evolution of diamond, gems, and jewellery industry The Indian Gem Jewellery sector is one of the most active and fast growing sectors of the Indian Economy. The fact that India is the worlds largest source for trained, skilled and adaptive manpower along with liberalised government policies that provide a helpful environment for joint businesses, is what contributes to the continuous growth of this sector. causal around 19% to the overall Forex kitty of the country, the industrys growth over the years, Set-up in 1966, the GJEPC has over the years effectively moulded the increase efforts of individual exporters to make the gem and jewellery sector a powerful engine driving Indias export-led growth. This height body of the gem jewellery industry has played a major role in the evolution of the Indian gem and jewellery industry to its present stature. From being the worlds largest manufacturer of cut and polished diamonds to becoming the leading international trading center, Indias gems and jewellery sector is now set on a growth way. The exports grew by 38% to $14,329.23 million for January-December 2004 period as compared to $10,392.83 million in the related period the last year. GJEPC aims to boost exports of gems and jewellery to US $20 billion by 2007 and develop India as the only one-stop-shop for gems and jewellery. Also, on the anvil is the Bharat Diamond Bourse, one of the largest monoliths ever to be built in Asia. The Bharat Diamond Bourse is an urban conglomerate of place, people and activities pertaining to diamond trading. Built to provide world-class facilities to the members of the Indian diamond community, the compound aims to enhance the already largest position of the Indian diamond industry in the world market PRODUCT PROFILE GILI Gili jewellery is high quality, fine finished, machine-made, branded, diamond-studded, designer jewellery including pendants, earrings, rings and bracelets in 18k gold studded with small, well-cut, good quality diamonds, as matching sets or by themselves. The average sale price is around Rs.15, 000. Brand Values Gilis brand values are genuine diamond and gold jewellery at reasonable prices. The Brand personality is difficult, animated, competent, confident, extrovert, self made, successful and reliable. Noteworthy Gili was the brand that in India important Valentines Day to the date from it being just another date on the calendar. First jewellery brand from India to participate in Basel 2000, the Worlds biggest jewellery and watches show held in Switzerland. In September 2011, M/s Brand Finance PLC (UK) valued Gili at rs 1018 crores. Nakshatra Nakshatra is a circular cluster comprised six to nine stones, with the central stone larger than the stones close it, signifying a constellation. It is a modern, fashionable rendition of the traditional seven-stone Thodu and the Kuda Jodi jewellery, which are traditional Indian floral designs. The combination of traditional charisma and current style helped it gain acceptance with women across age groups. Brand Values Overt Nakshatra brand values include beauty, radiance, class, elegance and quality. Amongst the symbolic values are femininity, celestial splend our and unknown. Each design is a stylized interpretation of the basic traditional kudajodi which is believed to be positive, showering the wearer with blessings and good luck. Noteworthy The Nakshatra design is the only one to have general appeal amongst women across India. The diamonds used to make up the Nakshatra cluster were formed over 800 million years ago. In September 2011, M/s Brand Finance PLC (UK) valued Nakshatra at Rs. 1,014 crores. ASMI The design styling for the Asmi jewellery has always been that of wavy forms around a central rock of and above 5 points. It rightly personifies the woman of today and her inner fire. Asmi has under its support a range of typical, current yet reasonable designs in diamond jewellery. Brand Values From the outset, Asmi has aimed to fulfil every womans natural need for self-expression, and has lauded the Indian womans middle fire. Asmi is a brand that is for the woman of will, commemorating her success and inspiring her to achieve higher goals. It is an expression of the power of femaleness, indication of self-confidence, feelings and the middle spirit of a woman. The brand is also promoted as one that offers validity, Affordability expediency. Noteworthy A particular annual promotional event has always been organized on Womans Day, as the most suitable occasion to support and repeat the values and identity of the brand. In 2009, in association with FICCI Ladies Organisation, and an NGO- Fight Back, Asmi launched its Shakti Torch movement on the event of Womens Day 2009, to combat the problem of domestic violence in India. In September 2011, M/s Brand Finance PLC (UK) valued Asmi at Rs. 406 crores DDAMAS Ddamas has several sub-brands, each single in positioning gift. The brand also has items in all categories-rings, earrings, nose pins, pendants, bangles, bracelets, necklaces, Tanmanya, Mangalsutra, half sets and full sets. Each sub-brand under Ddamas offers stylized and fashionable designs, conceptualized and produced by an in-house team of award winning designers. Ddamas is perhaps the only jewellery brand that has offerings in virtually all product categories, across all price points, for all occasions and emotions, thus covering consumers across age-groups and demographic classes. Brand Values Ddamas embodies luxury and high aspiration, bestowing on the wearer an aura of exclusivity and modification. The vast variety of associated brands allows every customer a choice of jewellery to mirror her personality, tastes and to suit every time. There is gold and diamond studded jewellery matching various lifestyles, occasions and price points that cater to diverse customers. Ddamas is committed to the highest levels of customer satisfaction. Every piece of jewellery comes with a special certificate of validity that assures of both the diamond and the gold content in the piece. Ddamas jewellery is fully hallmarked and accompanied with a diamond certificate from IGI. Noteworthy Best Jewellery Designs- JCK and Vivah a Gold Jewellery In September 2011, M/s Brand Finance PLC (UK) valued Ddamas at Rs. 331 crores. Demand driver of diamond jewellery The demand drivers for the diamond processing and jewellery sector are as below: à ¢Ã¢â€š ¬Ã‚ ¢ Increasing acceptability of diamond jewellery in the domestic market: Traditionally, jewellery in India has mainly been gold jewellery. Diamond jewellery is lesser accepted in India due to factors such as myths associated with diamonds being unlucky in certain instances and the higher cost of diamonds. This is now changing with an increased acceptance of diamond jewellery in the domestic market. à ¢Ã¢â€š ¬Ã‚ ¢ Diamond as a fashion statement for the affluent: Diamond jewellery is increasingly serving as a method statement for the rich to differentiate themselves from others wearing traditional jewellery/gold jewellery. à ¢Ã¢â€š ¬Ã‚ ¢ Increasing affordability: Employment of women in the workforce has been increasing due to the changing mindsets and increasing education levels among women. This has resulted in women having more impact on the purchase decisions; and women having also started purchasing jewellery for themselves as against earlier trends of jewellery purchase being primarily a family decision. Increased disposable income for working couples and lifestyle changes have aided this. à ¢Ã¢â€š ¬Ã‚ ¢ Exports as a driver: As seen earlier, exports have been growing year-on-year and the 5 year CAGR (2002-03 to 2007-08) is about 13%. India currently produces around 95% of the worlds cut and polished diamond pieces. By carat weight, India is projected to process 80% Demand Drivers of à ¢Ã¢â€š ¬Ã‚ ¢ Value addition from processing to jewellery: Though India processes a large number of Diamonds; most of them are re-exported after polishing. There exists scope to increase value addition through setting into jewellery (jewellery manufacture). MAJOR PLAYERS à ¢Ã¢â€š ¬Ã‚ ¢ Gitanjali Group: The Gitanjali Group was founded as a single company cutting and polishing diamonds for the jewellery operate at Surat, Gujarat, in 1966. It has become a found among major diamond and jewellery houses. The Group has dumped jewellery trade convention by launching multiple brands for multiple markets and price segments brands include Nakshatra, Ddamas, Collection, Asmi, Sangini and Gili. It opened up distribution via superstores, department stores and other retail outlets at MRP, supported by international certifications of in principle tested clarity and validity, across India and in the worlds jewellery capitals. Operations of the Gitanjali Group span the world, all the way from USA, UK, Belgium, Italy and the Middle East to Thailand, South East Asia China, and Japan. à ¢Ã¢â€š ¬Ã‚ ¢ Su-Raj Diamonds Jewellery Ltd.: Su-Raj is resulting from contraction of two names viz. Suresh and Rajnikant, the founders of Su-Raj Group in the early Sixties. The company on hand its shares to the public in the year 1986 and became the first company in the industry to opt for public issue in India. This was a single step in an industry where traditional business environment exists. The companys operations are universal in scope and global in increase top all facets of diamond and jewellery manufacture and trading in rough and polished stones, at all key locations universal. à ¢Ã¢â€š ¬Ã‚ ¢ Suashish Diamonds Ltd.: Suashish Diamonds Ltd was incorporated in October 1988. Suashish is single in the diamond industry as it is one of the few players that have activities across value chain there by retaining higher margins. Its business activities include sourcing ofrough diamonds to selling finished diamond jewellery through its retail jewellery brand Ishis. Suashish has employed cutting border technology throughout its diamond and jewellery manufacturing processes. It has subsidiaries and intentional partnerships in all major markets. à ¢Ã¢â€š ¬Ã‚ ¢ Shrenuj Co. Ltd.: Shrenuj Company Limited and its subsidiaries take on in the manufacture and sale of diamonds and jewellery in India and internationally. The company operates in two segments, Diamonds and Jewellery. The Diamonds segment engages in cutting and polishing of diamonds. This segment offers polished diamonds in full cut and single cut rounds, as well as in fancy shapes, such as princess, baguettes, marquise, pear, oval, emerald, and heart in various colours and clarities. The Jewellery segment provides diamond Human Resource and Skill Requirements in the Gems and Jewellery Industry studded gold/platinum jewellery. The company was founded in 1906, is based in Mumbai, India and employs about 3,000 employees. à ¢Ã¢â€š ¬Ã‚ ¢ Tanishq: Tanishq is one of Indias principal jewellery brands. Started in 1995, Tanishq is the jewellery business of Titan Industries Ltd promoted by the TATA group. Tanishq has set up production and sourcing bases with through research of the jewellery crafts of India. Tanishq today is Indias most aspirational fine jewellery brand with 91 stores in 64 cities, with an exquisite range of gold jewellery studded with diamonds or coloured gems and a wide range of equally amazing jewellery in 22Kt pure gold. Exquisite platinum jewellery is also part of the product range diamond Gems and Jewellery Gitanjali Group Shrenuj Company Suraj Diamonds and Jewellery Limited Rajesh Exports Asian Star Titan Industries (Tanishq into sell), Bangalore Suashish Diamond Rosy Blue B. Vijaykumar Laxmi Diamond K Girdharilal C. Mehendra Exports J.B Brothers Tara Ultimo Vaibhav Gems, Jaipur Sheetal Manufacturing Major players Companies Market cap (rs in crore) Shree Gan. Jew 720 Goldiam intl. 75 SRS 589 Thangamayil jew. 434 Renaissance jew. 135 Shrenuj co 489 C.mahendra exp 476 Gitanjali gems 4479 Titan inds 27184 Rajesh exports 3719 Goenka diamond 921 Tbz 1813 Classic diamond 16 Kanani inds. 360 Winsome diamonds 346 Vaibhav global 278 Key Issues of the Sector Unorganised Sector The gems and jewellery sector in India is unorganised and opening. Around 90% of the players operate in the unorganised sector mostly in family-run operations. The nature of the sector prevents it from achieving economies of scale. Also, being largely unorganised, the sector mainly uses labour-intensive and original technology that affects their growth projection. Further, the sector finds it difficult to add to their global competitiveness due to difficulties in adopting technology as a result of poor financial capital and high labour costs per unit. Threat from China Currently, China is the second-largest diamond processing centre in the world after India; however, it is slowly communicable up and is bullying to displace the Indian gems and jewellery sector from its dominant position in the world. The labour cost in China is the lowest, just like in India; however, the gap between the two countries is narrowing slowly. Besides, the Chinese economy is growing fast and is creating a demand for gems and jewellery in the domestic market. Further, many diamond manufacturers from Belgium and Israel are setting up manufacturing plants in China. India also faces risk from China in terms of knowledge adoption, which allows China to process diamonds at a more competitive price. Predominance of the US market The Indian gems and jewellery sector is pre-dominently dependent on the US market, which is its top export destination. The growth of gems and jewellery sector is closely dependent on the growth of demand in the US market. However, the recent appreciation of the rupee in relation to the US dollar and a slowdown of the US economy have forced the concerns for the sector. All these factors need Indias venture into other geographical locations. During FY07, the exports to the US market registered a growth of 14% over exports of FY06; however, owing to the slowdown in the US economy, the exports grew only 1.15% in FY08 over the previous year. In the current situation the heavy dependence on the US market has affected the exporters as they are facing a drop in orders and delayed payments. Exchange Rate/Currency Risk The gems and jewellery sector is affect by the rupee/dollar exchange rate because it is export-oriented. Any instability in the exchange rates affects the margins of the players. For instance, the recent approval in the rupee against the dollar had made the exports of gems and jewellery less competitive in its key export destinations. High Level of Inventories As the gems and jewellery sector is highly dependent on imports for its raw materials, the players have to maintain a high level of inventory. However, maintaining this inventory becomes difficult for the players during the drooping season, as it carries inventory price risk. For instance, due to the current recessionary trends, the demand drooping and inventory piled up much to the chagrin of the players. Decreasing Diamond Reserves The supply of rough diamonds is likely to fall in the near future as the diamond reserves are decreasing. There has been no major diamond keep discovery since 2003, when assets were last discovered in the Diavik Diamond Mine in Canada. The complete supply will push up the prices of rough diamonds, which will further put pressure on margins. Future supply levels are largely needy on the industrys ability to identify new diamond deposits. Competition from Other Luxury Goods With the increase in disposable income and the change in standard of living, the demand for luxury goods such as perfumes, consumer electronics, leather, automobile, gadgets etc are also increasing. The gems and jewellery sector is experience competition from these luxury goods, which is eating into the market share of the division. Beneficiation in Mining Countries India is facing a threat from the emerging cutting and polishing centres in the diamond-producing countries such as South Africa, Ghana, Angola, Botswana, Namibia etc. The local government is increasingly pressurising the African countries for processing locally-mined materials such as diamonds within the country itself to increase earnings through value addition to the vast natural resources that these countries possess. South Africa has launched a draft Beneficiation Strategy for the minerals industry of South Africa in March 2009. The newly-formed African Diamond Producers Association (ADPA) is advocating establishing a joint policy that would support beneficiation across Africa. This could lead to fewer rough goods being made available on the open market and in creating a threat to the existing diamond processing centres such as India, as new processing centres comes up. Global Economic Slowdown The global economic slowdown has hit the Indian gems and jewellery division hard. As the sector was primarily dependent on exports to the US and European countries, the meltdown in these countries affected the gems and jewellery sector to a great extent. The players faced issues relating to inventory build-up and liquidity pressure. A number of diamond units in Gujarat were shut down that render thousands of workers jobless. Further, the bank finance, which was largely in dollar terms, also faced a delay due to foreign exchange rate fluctuations. This further added to the woes of the players who were full to come out of the global depression. Even though the sector is in the recovery mode, owing to a gradual recovery of global markets, the credit cycle of the sector has changed severely. The delayed payments from customers have raised the interest outflows for the companies. Synthetic Diamonds The sector also faces a face in the form of integration of artificial or man-made diamonds. With the start of technology, it is difficult to discriminate between natural and synthetic diamonds. It may so happen that the imitation diamonds are accepted on as real diamonds and in the long run, this could affect the authority of the sector. Further, as unreal diamonds are much cheaper and identical to the synthetic diamonds, these diamonds may find customers that is a reserve to the natural diamond and may finish positive eating into the market share of the diamond industry. Issue of difference Diamonds India is the largest importer of rough diamonds and a leading player in cutting and polishing of the same, therefore, it runs the risk of dealing with conflict diamonds. Conflict diamonds are those that are mined illegally in African countries such as Angola, Liberia, Sierra Leone and the Democratic nation of Congo to fund illegal military wars. In spite of the KP certification, there an issue related to fake KP certificate. These fake certificates put diamond importing countries at a risk of dealing in variance diamonds. Opportunities for the Sector Entering New Markets The US has been the major market for Indian gems and jewellery sector over the years. However, with the current global delay, the dependence on the US market has unnatural the Indian gems and jewellery sector tremendously. The sector is exploring new locations to vary business and to minimise the risk. Russia, Middle East and China are few of the rising destinations that are witnessing an increase in jewellery demand. The Indian gems and jewellery players can tap these countries to diversify and increase their business. Cutting and Polishing of Large-Sized Diamonds India is one of the leading diamond processing centers of the world. Indias vast, low cost and very skilled workforce provides it with a competitive edge over other countries. However, it is largely involved in cutting and polishing of small-sized diamonds, which weigh less than one carat. Indias cut and polished diamond exports have a high universal share in terms of number of pieces; however, in terms of value the share is much lower. By moving up the value chain and processing larger stones India can further increase its value share in total exports. Large diamonds are less generally set up in nature. Therefore, the price of a diamond rises exponentially with its size. Indian exporters who have authority in processing of small stones have already started moving into cutting of large and medium size stones. For moving up the value chain, the industry should try forward and backward integration. Hence strategic alliances with producers of roughs and retailers of jewellery could lead to higher market share. Given Indias low cost and skill labours, there exists an chance for processing large stones, which will provide the players with higher margins as well as rise in realisations on capex. Value Addition There exists a huge chance for Indian players to do value addition to the processed diamonds and to export diamond studded jewellery. India is already a leader in processing small-sized diamonds and it also has natural capabilities of manufacturing hand-crafted jewellery. Further, with its dominance in processing small diamonds, India has an advantage of manufacturing reasonable diamond jewellery for the world market. Jewellery Retail The Indian retail sector is increasing fast. This provides an excellent chance for the Indian players to manufacture and sell their jewellery through the retail channels that are fast catching up in the Indian markets. Further, this move will also provide an organised structure to the largely unorganised gems and jewellery sector and lead to further growth of the sector. Outsourcing core India can become an outsourcing hub for design and manufacturing jewellery. There is an increased trend of outsourcing design with manufacturing of jewellery from India by global retail players such as Wal-mart and JC Penny. The players in the area can tap this opportunity to expand business, reduce risk and increase revenues. View point The vision for the gem and jewellery sector is positive. On account of the global recovery, the Indian gems and jewellery sector is also on a recovery mode. In December 2009, the exports from the sector grow by 45.35% as compared with the same period in 2008. According to GJEPC, the players received good orders for Christmas in 2009, which indicates a slow recovery for the sector. The positive trend is expected to continue, as major economies are showing signs of recovery, which is resulting in fresh orders for the sector. Further, the gems and jewellery sector is also expected to grow in the domestic market, going forward. As the per capita consumption of jewellery is low in India, there exists an attractive opportunity to tap the domestic market. ANALYSIS EVALUATION OF DISTRIBUTION CHANNELS IN VARIOUS SECTORS The project involved analyzing and evaluating distribution channels of various companies belonging to sector. 1. Precious and semi precious stones, 2. White goods, 3. Cement, 4. FMCG Methodology: This research comprised of activities like listing down various agencies like manufacturers, distributors, etc and also chambers and libraries like the Indian merchant chambers and interacting with them in order to collect first hand information. PRECIOUS AND SEMI PRECIOUS STONES The Indian Gems and Jewellery industry is an age old industry and comprises mainly of two types of markets, viz the controlled sector and the unorganized sector. The organized sector with celebrated jewelers, Public Sector Units (PSUs), etc forms only 10% of the precious and semi-precious stones market, whereas, the unorganized sector forms 90% of the gems and jewellery market in India. The unorganized sector employs around 1.5 million workers serving over 0.1 million gold jewelers and over 8000 diamond jewelers. Precious and semi-precious stones industry is a main earner of foreign exchange. This sector contributes around 17% of Indias exports. The bulk of the Indian gems and jewellery exports comprise imports of rough diamonds, cutting and polishing in India, and re-exports. Cut and Polished Diamonds (CPD) and gold Jewellery account for nearly 95% of Indias gems and jewellery exports. India is the worlds leading diamond cutting and polishing center, accounting for 53% share of the global polished diamond market in terms of value. India imports gold from South Africa, Switzerland, Australia, Hong Kong and UAE. The domestic consumption of diamonds have been 626.9 crores in 2001-02 to 483.4 crores in02-03 and reached and all time high of 1771.3 crores in 2003-04 and the trend has continued in 2004-05 as well. The market size has also witness a rise of around 10% in 2003-04 over 2002-03. The value of domestic sales has been 7200 crores, 7400 crores and 7650 crores in 01-02, 02-03 03-04 respectively. Exports of cut and polished diamonds has been 5892, 7385 and 8240 million dollars in 01- 02, 02-03 03-04 respectively, whereas, exports of Jewellery studded with diamonds has been 553, 719 and 934 million dollars in 01-02, 02-03 03-04 respectively. Consumer Demographics Buying Patterns of Indian Consumers There is a very high consumption in the western and the northern markets of India, viz, Mumbai and New Delhi, New Delhi being the head. In India, the purchase of Jewellery is quite regular and occasion driven. There is a higher consumption during festivals like Diwali, Dassera, Ganesh Chaturthi, etc. and also during the marriage season, which is spread from November to March. Mechanics of Distribution Channels of Sector Since precious and semi precious stones industry is divided into organized and unorganized sector, the mechanics of the distribution channels of the players belonging to these sectors has also been different. Nationally, the branded jewelers of the organized sector cater to the consumers via a 1 or a 2 level supply chain which comprise of either only franchise retail outlets and other retails or wholesalers and then retailers. The players of the unorganized sector, on the other hand, either plainly sell their manufactured products to retailers or have branch offices in cities where the products are transferred and sold to end consumers or to retailers in the particular city. Web: www.beemanagement.com Email: [emailprotected] Web: www.astrategies.com Email: [emailprotected] December 2005 Copyright  © 2005 Bee Management Consultancy Pvt. Ltd. 2 Raw diamonds and other Jewellery is imported from sources, manufactured and polished here and either shipped or transported by air to the final destination In exported countries the products are either transferred to retailers who are clients or to branch office who in turn sell it to the retailers. Whether domestic sales or exports overall, the levels of mediators in the gems and Jewellery industry do not really exceed 2 to 3 levels. This report contains detailed analysis of renowned Gems and Jewellery companies. The PESTEL analysis The macro environment includes all relevant focus outside a companys margins relevant in thesense that they are important enough to have brought on the decision. A business finally makes about its business model and  strategy.   Companys strategy may be needed for answer it. Micro environment includes all general force that does not directly  touch on  the short  run activities  of the  organization but  that can  and  often  does,  in dulgenceits also ran decisions. Political Factors:- The Government of India (GoI) has been working to develop the Diamond industry in India through several initiatives but under the purview of Diamond industry. The main political factors are as follows. à ¢Ã¢â€š ¬Ã‚ ¢Excise duty: In the budget of year 2008-09 government decrease excise duty from 10% to 5% on cut and polished diamond units. à ¢Ã¢â€š ¬Ã‚ ¢Marketing  and  control  orders:  Import  of  rough  diamonds  illegal  by  the Jewellry  export Promotion Councils .The Council provides market information to its members about foreign trade inquiries, trade and tariff regulations, rates of import duties, and information about Diamond fair and exhibitions. à ¢Ã¢â€š ¬Ã‚ ¢FDI approva