Saturday, January 25, 2020

From Boy to Man :: Example Personal Narratives

From Boy to Man It was December 26, 2002, a day that will live in my mind forever. I had just gotten my license three days before, and all I could think about was driving around with my friends and enjoying the thought that I was actually free to go wherever I wanted, and whenever I wanted. My vehicle was a 1994 Dodge. It was the family car that had been passed down. It had gone through my father, brother, and finally down to me. It was a fine piece of machinery, to me anyway. The stereo had five stations but no tape player. The van had cruise control, but that took a long time to work. I would usually have to try it four or five times before I could ever get it to work. It had snowed a couple of days before, so the roads were okay, but they still had some snow and ice on them. Since I had my license for three days, I had already been through all the weather that God could throw at me, so I knew that I was a driving expert. All the times before, in driver's ed., I had driven in the rain, in nice weather, mostly anything, but I was not prepared for what was going to happen on this day. I picked up two of my non-driving friends because I was considered to be cool now that I could drive around without my parents. We decided that we should go to McDonald's to celebrate my achievements. I had my normal #9 with a Coke, and I forget what they got, but that's really not important. After McDonald's we decided to go out and just be teenagers, which included driving around, looking for chicks to drool over, and all the while I am thinking, "Why didn't I get my license at age 12? This is a breeze." We went out to McNeil Road to go by my old school, just to laugh at it, but something went wrong. Since it had snowed a couple of days before, the roads were worse than I had ever encountered during driver's ed. The snow was blowing back and forth on the road.

Friday, January 17, 2020

Halftime in America: Chrysler Commercial Essay

The Chrysler commercial during the 2012 Super Bowl was extremely well done. It stars Clint Eastwood delivering a muscularly optimistic message about Detroit and its auto industry. Clint talks about America and how it has been hurting due to the poor economy and the unemployment rate. He does this through an interesting allegory of football and halftime. Chrysler does well targeting a very broad audience of American auto consumers. This particular commercial uses a fear tactic through a lowly lit background and the unmistakable growl of Clint Eastwood to reach the target audience. Chrysler attempts to tug at the proverbial heart strings or emotions of the auto consumer by playing on the fears of people and their lack of faith in the American economy. Americans want to believe that America is great and will pick itself up from the dire straits it is in. This commercial does a good job at trying to light that patriotic fire. This commercial was definitely well thought out. At a cost of $3. 5 million per 30 second time slot (halftime in America was 2:00 minutes long) Chrysler spared no expense. The 2012 Super bowl had 111 million viewers, a calculated move no doubt (â€Å"Super Bowl Ads Cost Average Of $3. 5m†, 2012). Detroit has been a long standing icon of American ingenuity and manufacturing; Clint Eastwood is an American acting icon; so it is no surprise that Chrysler put the two together to make a commercial. Chrysler, being rooted in America is reaching for brand recognition though perceived â€Å"Americanism†. It is an effectively persuasive tactic, though tasteless in my opinion. I say this for the simple fact that auto industry is no longer bound by borders; it is a global industry where many â€Å"American† autos are made with parts manufactured overseas. â€Å"For the third straight year, Toyota Camry, a product of Japan’s largest automaker, is the â€Å"most American car,† as determined by Cars. com’s formula. Honda Accord, the flagship of Japan’s second largest automaker, is second. † (â€Å"Report: The Two ‘Most American’ Cars Are Japanese†, 2011). I elieve that although the commercial was well thought out and constructed, Chrysler is rather tasteless in its tactics and disguises the tastelessness very well. In general, Americans are a proud and patriotic people; playing on this is a clever way to sell cars. Using American icons to sell cars is clever. In short, Chrysler gets an A+ for resourcefulness and creativity, but gets an overall failing grade for the hanky-panky thrown in the consumers face to disguise their real motives.

Thursday, January 9, 2020

Priority Sector Lending - 2487 Words

PRIORITY SECTOR LENDING Some areas or fields in a country depending on its economic condition or government interest are prioritized and are called priority sectors i.e. industry, agriculture. These may further be sub divided. Banks are directed by the state bank of the country that loans must be given on reduced interest rates with discounts to promote these fields. Such lending is called priority sector lending. The different segments of the priority sector are as follows: 1. Agriculture 2. Small Scale Industries 3. Small Road and Water Transport Operators 4. Retail Trade 5. Small Business 6. Professional and Self-employed persons 7. Education 8. Housing Finance Priority Sector Lending BY RBI The†¦show more content†¦Professional and self-employed persons (borrowing limit not exceeding Rs.10 lakh of which not more than Rs.2 lakh for working capital; in the case of qualified medical practitioners setting up practice in rural areas, the limits are Rs 15 lakh and Rs 3 lakh respectively and purchase of one motor vehicle within these limits can be included under priority sector) 7. State sponsored organizations for Scheduled Castes/Scheduled Tribes 8. Education (educational loans granted to individuals by banks) 9. Housing [both direct and indirect – loans upto Rs.5 lakhs (direct loans upto Rs 10 lakh in urban/ metropolitan areas), Loans upto Rs 1 lakh and Rs 2 lakh for repairing of houses in rural/ semi-urban and urban areas respectively]. 10. Consumption loans (under the consumption credit scheme for weaker sections) 11. Micro-credit provided by banks either directly or through any intermediaty; Loans to self help groups(SHGs) / Non Governmental Organisations (NGOs) for onlending to SHGs 12. Loans to the software industry (having credit limit not exceeding Rs 1 crore from the banking system) 13. Loans to specified industries in the food and agro-processing sector having investment in plant and machinery up to Rs 5 crore. 14. Investment by banks in venture capital (venture capital funds/ companies registered with SEBI) 4. What constitutes ‘Direct Finance’ for Agricultural Purposes ? Ans : Direct Agricultural advances denote advancesShow MoreRelatedPriority Sector Lending28386 Words   |  114 PagesPaper on Review of Priority Sector Lending, prepared by the Internal Working Group set up in Reserve Bank under the chairmanship of Shri C. S. Murthy, Chief General Manager-in-Charge, Rural Planning and Credit Department, was placed on the RBI website on September 30, 2005 for public opinion. 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