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Feb 16, 2018 Scientific writing help you know, order your own writing help now -

Spear phishing fake resume malspam leads to Scientific, malware. An email that says it is a resume applying for employment with a malicious word doc attachment delivers malware. I don’t know exactly what this does yet, bu t it looks like some sort of banking Trojan or info stealer. Update : I am very reliably informed this is a Zyklon HTTP bot which is Turn in assignment, being used in Scientific you know, DDOS attacks against xbox, a wide variety of sites and is a password and other credential stealer, including all windows, office and many other software licencing keys, as well as email credentials, website passwords and any other password that you can think of. These are carefully targeted at small and medium business, charities and organisations. This particular one was received by Scientific help, a small Wildlife Charity that I manage the website email system for.

If I had not intercepted it, I am 100% convinced that the overworked and harassed staff would have opened it been infected. Turn! They have recently posted on the website and Facebook asking for writing you know, more volunteers and always get similar resumes out of the blue for trainees, volunteers and website services thesis, work experience. This particular Wildlife Charity always gets 3 or 4 genuine resumes every day. This one wouldn’t have raised any warning flags at all. Lots of applicants use a boiler plate email like this one and Scientific help you know, all the relevant details are in the resume / Application form. Of the last 10 we received, 7 applicants had renamed the downloaded application form from the charity website to Randolph school in philadelphia, “applicant name- resume.doc” The other 3 had added their name to the start so renaming it as Applicant name-volunteer application.doc. These are always a big problem for small business, charities and other organisations because they look so realistic, are almost identical to help, genuine resume emails and Writing, word doc attachments. I really don’t know how you block them without a lot of false positives and genuine applications getting lost or deleted. These started to come from random@t-online.de email addresses but soon switched to come from random@ securityupdateservers.com then switched again to now come from help random@ securityupdateserver.com using a range of different mtaxxx.securityupdateserver.com sending IPs all of with psychology homework which are on the OVH CA network. Update 24 June 2017 : today’s version has come from Scientific you know Dan Christen qzqr@optimaintiselaras.com so it looks like they are using a new sending domain with a new subject of Job Application. All other email details same as previous.

They are using email addresses and Turn, subjects that will entice, persuade or mislead a user to read the help email and open the attachment. A very high proportion are being targeted at Turn small and Scientific writing, medium size businesses, with the hope of getting a better response than they do from consumers. Remember many email clients, especially on a mobile phone or tablet, only show the Name in the From: and not the bit in with homework games, domain.com . That is Scientific, why these scams and phishes work so well. The email looks like: I visited your website yesterday.. I’m currently looking for Geography physics, employment either part time or as a intern to get experience in the field. Please review my Resume and writing, let me know what you think. Sarah-Resume.doc Current Virus total detections : Payload Security shows a download using PowerShell from http://185.165.29.36/11.mov which is renamed by the macro to Randolph school in philadelphia, k4208.exe ( VirusTotal ) ( Payload Security ) and autorun and in writing help, turn drops iTunes.exe and autorun ( VirusTotal ) ( Payload Security ) I am pretty sure iTunes.exe and Online website writing, k4208 are the same malware but have a different file hash to help avoid detections.

Update: getting reports of Scientific you know different versions of the malware payload coming each day . Today’s 14 April 2017: Saw a different version yesterday. Update 26 April 2017 : Seeing these again today / last night. Xbox! subject was “good Evening” with an writing you know, almost identical body content as previously seen, asking to review CV instead of Resume. Rebecca.doc Current Virus total detections : Payload Security ( JoeSandbox ) shows a download using PowerShell from with psychology ‘http://185.165.29.36/toolbox.jpg’ ( which of course is not an image file but a renamed .exe) which is renamed by Scientific writing, the macro to a random numbered .exe ( VirusTotal ) which has quite good generic detections ( Payload Security ) and autorun. This still appears to be Zyklon. Today’s version(s) like the previous ones are coming from a legitimate t-online.de email address. These are either compromised addresses or created by good fiction, the malware sender to send these malware docs. Received: from mailout08.t-online.de ([194.25.134.20]:39561) by knight.knighthosting.co.uk with esmtps (TLSv1.2:ECDHE-RSA-AES256-GCM-SHA384:256) for info@[redacted]; Tue, 25 Apr 2017 17:11:13 +0100.

Received: from Scientific fwd26.aul.t-online.de (fwd26.aul.t-online.de [172.20.26.131]) by mailout08.t-online.de (Postfix) with SMTP id 70C8D41C0627. for info@[redacted]; Tue, 25 Apr 2017 18:11:14 +0200 (CEST) Received: from [127.0.0.1] (Gt0kC8ZJrhtbOmh4bl18dzIopJNV5-q4Zd2910hktlRtsK4-Sq8ZJsRD0kyKHvfQ9L@[85.203.119.207]) by fwd26.t-online.de. with (TLSv1:DHE-RSA-AES256-SHA encrypted) esmtp id 1d333Q-0XYn5M0; Tue, 25 Apr 2017 18:11:04 +0200. To: info@[redacted] Subject: Good evening. Date: Tue, 25 Apr 2017 18:11:05 +0200. X-Mailer: Infraware POLARIS Mobile Mailer v2.5. Update 11 May 2017 : hearing about new versions of this namecv.doc ( I don’t have a copy of the Wd my 360 doc ) but it downloads via powershell from 185.165.29.36/phone.jpg ( renamed.exe file ) VirusTotal | Payload Security which has very poor detections so the malware gang has updated the malware to you know, be less obvious. Today’s versions appear to be coming from random-name@securityupdateservers.com. Update 30 May 2017 : These still continue Today’s is resume.doc VirusTotal | Payload Security still using PowerShell to download from thesis http://185.165.29.36/google.jpg which of Scientific writing help course is not a jpg but a renamed .exe file ( VirusTotal ) ( Payload Security ) Still using random-name@securityupdateserver.com, which is now looking more like a domain set up being used to deliberately spread malware.

Sending emails to a malware submission email address that submits to writing services, all known antivirus companies is writing help, not a good idea for those bad actors trying to stay even a tiny bit stealthy and remain under the radar. Update 15 June 2017 : I am informed the current url distributing this zyklon bot is 185.165.29.36/troll.jpg usual renamed .exe ( VirusTotal) ( Payload Security ) Update 17 June 2017: getting lots more of these over last few days and being told about homework answers, lots more being distributed via spear phishing attacks. Update 21 June 2017 now using http://185.165.29.36/poop.jpg (VirusTotal ) (Payload Security) I haven’t seen an email or word doc today myself yet. Update 24 June 2017 : Macros in word doc are different to previous. Dan-Resume.doc ( VirusTota l) ( Joesandbox ) still downloading http://185.165.29.36/poop.jpg which is a renamed .exe ( VirusTotal ) Now Joesandbox didn’t retrieve the Scientific help payload the url string was found in a PowerShell script inside the macro. It should be noted that MALWR also couldn’t get anything with a runtime 53 Microsoft VBA error.

It is quite possible that the Help with homework games malware author has tried to be too clever in obfuscating and Scientific writing help you know, complicating the vba macro scripts that they won’t actually run and download the zyklon malware. From : Arlene Kukula Procurement@securityupdateserver.com I visited your website today.. I’m currently looking for employment either full time or as a intern to get experience in the field. Please review my Resume and book xbox, let me know what you think. Arlene-Resume.doc VirusTotal | Payload Security Still using ‘htt p://185.165.29.36/troll.jpg’ which of course is a renamed .exe file as the Scientific writing help download for zyklon http bot ( VirusTotal ) ( Payload Security ) Trying the Geography homework answers home page for securityupdateserver.com gives this message. Sorry you do not have access to this area. Received: from mta194.securityupdateserver.com ([66.70.162.194]:53940) by knight.knighthosting.co.uk with esmtp (Exim 4.89) for vendors@malware-research.co.uk; Wed, 31 May 2017 11:56:43 +0100. DKIM-Signature: v=1; a=rsa-sha1; c=relaxed/relaxed; s=bulk; d=securityupdateserver.com; DomainKey-Signature: a=rsa-sha1; c=nofws; q=dns; s=bulk; d=securityupdateserver.com; From: “Bob Zarcone” Aquilera@securityupdateserver.com

Subject: Job Application. Date: Wed, 31 May 2017 12:50:19 +0200. by knight.knighthosting.co.uk with esmtps (TLSv1.2:ECDHE-RSA-AES256-GCM-SHA384:256) for [redacted]@malware-research.co.uk; Sat, 24 Jun 2017 20:24:39 +0100. Received: from localhost (unknown [127.0.0.1]) by pikolo.jatelindo.co.id (Postfix) with ESMTP id E638014C0607. for [redacted]@malware-research.co.uk; Sat, 24 Jun 2017 19:24:32 +0000 (UTC) DKIM-Filter: OpenDKIM Filter v2.10.3 pikolo.jatelindo.co.id E638014C0607. DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=optimaintiselaras.com; s=default; t=1498332272; X-Virus-Scanned: amavisd-new at jatelindo.co.id. Received: from pikolo.jatelindo.co.id ([127.0.0.1]) by localhost (pikolo.jatelindo.co.id [127.0.0.1]) (amavisd-new, port 10024) with ESMTP id 569mKvh6Lqo9 for writing you know, vendors@malware-research.co.uk; Sun, 25 Jun 2017 02:24:31 +0700 (WIB) Received: from Geography homework answers [127.0.0.1] (unknown [221.176.221.70]) by pikolo.jatelindo.co.id (Postfix) with ESMTPA id 829E014C05A2.

for [redacted]@malware-research.co.uk; Sun, 25 Jun 2017 02:24:25 +0700 (WIB) DKIM-Filter: OpenDKIM Filter v2.10.3 pikolo.jatelindo.co.id 829E014C05A2. DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=optimaintiselaras.com; s=default; t=1498332271; From: “Dan Christen” qzqr@optimaintiselaras.com Mime-Version: 1.0 (1.0)

Subject: Job Application. Date: Sat, 24 Jun 2017 21:24:27 +0200. X-Mailer: iPhone Mail (12H143) The word doc has a slightly different instruction message than we usually see. All the alleged senders, companies, names of employees, phone numbers, amounts, reference numbers etc. mentioned in the emails are all innocent and are just picked at Scientific help you know random. Some of these companies will exist and some won’t. Upper Homework! Don’t try to Scientific you know, respond by phone or email, all you will do is end up with an innocent person or company who have had their details spoofed and picked at random from a long list that the bad guys have previously found . The bad guys choose companies, Government departments and other organisations with subjects that are designed to entice you or alarm you into blindly opening the attachment or clicking the Writing good science link in the email to see what is happening. This email attachment contains what appears to be a genuine word doc or Excel XLS spreadsheet with either a macro script or an you know, embedded OLE object that when run will infect you. Modern versions of Microsoft office, that is Office 2010, 2013, 2016 and Office 365 should be automatically set to higher security to Writing science, protect you. By default protected view is enabled and help you know, macros are disabled, UNLESS you or your company have enabled them. If protected view mode is turned off and Wd my book, macros are enabled then opening this malicious word document will infect you, and Scientific you know, simply previewing it in in assignment online, windows explorer or your email client might well be enough to infect you.

Definitely DO NOT follow the advice they give to enable macros or enable editing to see the content . Most of these malicious word documents either appear to be totally blank or look something like these images when opened in writing, protected view mode, which should be the Randolph upper in philadelphia default in help, Office 2010, 2013, 2016 and 365. Geography Homework! Some versions pretend to have a digital RSA key and say you need to enable editing and Macros to writing help you know, see the content. Do NOT enable Macros or editing under any circumstances . Please read our How to protect yourselves page for simple, sensible advice on how to help xbox 360, avoid being infected by this sort of Scientific you know socially engineered malware. Also please read our post about word macro malware and how to avoid being infected by Wd my xbox, them. Be very careful with email attachments. All of these emails use Social engineering tricks to persuade you to Scientific, open the attachments that come with the email.

It might be a simple message saying “look at Randolph upper school homework this picture of me I took last night” that appears to come from a friend. Scientific You Know! It might be a scare ware message that will make you open the attachment to Geography homework answers, see what you are accused of doing. Scientific Writing You Know! Frequently it is more targeted at somebody ( small companies etc.) who regularly receive PDF attachments or Word .doc attachments or any other common file that you use every day, for example an invoice addressed to Randolph upper school homework in philadelphia, sales@victimcompany.com. The basic rule is NEVER open any attachment to an email, unless you are expecting it. Scientific Writing You Know! Now that is Online writing services thesis, very easy to say but quite hard to put into you know, practice, because we all get emails with files attached to them. Our friends and family love to psychology homework games, send us pictures of Scientific you know them doing silly things, or even cute pictures of the children or pets. Many of us routinely get Word, Excel or PowerPoint attachments in the course of work or from companies that we already have a relationship with. Never just blindly click on the file in your email program. Xbox 360! Always save the file to your downloads folder, so you can check it first. A lot of malicious files that are attached to Scientific writing, emails will have a faked extension. That is the 3 letters at the end of the file name.

Unfortunately windows by default hides the file extensions so you need to Set your folder options to “show known file types . Then when you unzip the Turn csc zip file that is supposed to contain the pictures of “Sally’s dog catching a ball”, an invoice or receipt from some company for a product or service or receive a Word doc or Excel file report that work has supposedly sent you to Scientific help you know, finish working on at the weekend, you can easily see if it is a picture or document not a malicious program. If you see JS or .EXE or .COM or .PIF or .SCR or .HTA .vbs, .wsf , .jse .jar at the end of the file name DO NOT click on it or try to open it, it will infect you. With these malformed infected word, excel and other office documents that normally contain a vba macro virus, the vital thing is do not open any office document direct from your email client or the book xbox web. Always save the writing help you know document to a safe location on Randolph homework in philadelphia, your computer, normally your downloads folder or your documents folder and scan it with your antivirus. Scientific Writing Help You Know! Many Antiviruses do not natively detect vba macro-viruses in Writing good science fiction, real time protection and you need to enable document or office protection in writing help you know, the settings. Help With! Do not rely on your Anti-Virus to Scientific help, immediately detect the malware or malicious content. DO NOT enable editing mode or enable macros. All modern versions of word and other office programs, that is 2010, 2013, 2016 and Geography, 365, should open all Microsoft office documents that is word docs, excel files and Scientific writing you know, PowerPoint etc that are downloaded from the web or received in an email automatically in “ protected view ” that stops any embedded malware or macros from being displayed and running. Make sure protected view is set in Online writing services thesis, all office programs to help, protect you and your company from these sorts of Randolph upper homework attacks and do not over ride it to edit the document until you are 100% sure that it is a safe document. If the protected mode bar appears when opening the Scientific you know document DO NOT enable editing mode or enable macros the document will look blank or have a warning message, but will be safe.

Be aware that there are a lot of dodgy word docs spreading that WILL infect you with no action from you if you are still using an out dated or vulnerable version of word. Psychology Games! This is a good reason to Scientific writing help, update your office programs to thesis, a recent version and stop using office 2003 and 2007. Many of us have continued to use older versions of word and other office programs, because they are convenient, have the functions and settings we are used to and have never seen a need to update to the latest super-duper version. The risks in using older version are now seriously starting to outweigh the convenience, benefits and cost of keeping an Scientific writing help, old version going. I strongly urge you to update your office software to the latest version and stop putting yourself at risk, using old out of date software. Spear phishing fake resume malspam leads to malware — 10 Comments. This doc seen 1th May 2017: 920398d4a54ae39299bce8c0dcbcfed3faa4a547d075e097446cc6677dade1b8 Gloria Muscatello CV.doc.

I have just received an Turn csc, identical email from a Pam Grossnickle@securityupdateserver.com – June 2017. any name @ securityupdateserver.com or securityupdateservers.com is a pretty good indicator of badness in these cases. What do I do if I fell for the scam and clicked to enable editing? How do I clean the computer? What do I do if I fell for the scam and clicked enable content? How do I clean my computer? step1 run an online scan on https://www.eset.com/int/home/online-scanner/ let it fix whatever it finds. step 2 download run Emsisoft Emergency repair Kit let that fix anything. Report back what is found fixed and we can advise better from there. Do you think I need to download ESET even if I already used the Scientific you know one on my computer called Glary Utilities?

I am hesitant, do you think having multiple anti-virus programs on Turn in assignment online, one computer is writing help you know, a problem or benefit? glary utilities is not a recognized cleaning program or antimalware tool. Both online version of website writing services ESET and Emsisoft repair kit are known to be very effective in Scientific writing you know, this sort of problem. They are not installed and don’t clash with any other antivirus and can be removed after they have done their job. I have a new version. Help With Homework Games! The Malware package was rasomware. My problem I was waiting for some people to contact me about help, applying for work so I thought the fiction message was legit. the message was typical, I visited your website today..

I’m currently looking for Scientific writing you know, employment either part time or as a intern to get. experience in the field. Please look over my CV and with psychology games, let me know what you think. Has Ransomware or other malware got past your AntiVirus. Have you been attacked and compromised by Ransomware or other malware? Is your existing Antivirus slow, annoying and not very effective? Try Emsisoft Anti Malware for extremely good protection from Ransomware and other threats. * This is an Scientific you know, affiliate link, I receive a small commission for purchases made. I honestly recommend Emsisoft and Wd my book help, use their products even without this affiliation. This blog will help keep you up to date with windows updates, security warnings, Phishing, currently spreading malware and Scientific writing, email spoofs, my general thoughts about the in assignment online world today and how to you know, keep yourself safe online and not become a victim Are you frustrated with your computer? Do you want to do this when the computer won't work properly?

Have you found something bad or suspicious? Do your bit to help! By continuing to answers, use the site, you agree to writing help you know, the use of cookies. more information Accept. The cookie settings on answers, this website are set to allow cookies to give you the best browsing experience possible. Help You Know! If you continue to use this website without changing your cookie settings or you click Accept below then you are consenting to this.

Feb 16, 2018 Scientific writing help you know, write my research paper -

The mega list of careers for writers. What image comes to mind when you hear the word #8220;writer#8221;? Some people immediately think of a novelist , perhaps locked away in solitude working on his masterpiece like Hemingway or like #8220;Alex Rover#8221; in Nim#8217;s Island. Help. Some people think right away of Wd my book help xbox 360, bloggers coming up with some new angle in their chosen niche each day. Others might think of an writing you know, intrepid journalist , writing news or sports or entertainment stories for the masses. Still others might picture a biographer , carefully researching and then revealing the shocking truths behind famous public figures. The fact is good science that there is no such career as #8220;writer#8221;.

There are dozens of writing careers, and so many opportunities for someone who loves to play with words and sculpt ideas. Keep in Scientific help mind that most of these careers can be played out as employees for large corporations, governments and other organizations. Or they can be done as freelancers from your home office in Tahiti, if you prefer. Most can be done under your own name or as a ghostwriter. Here are just a few interesting careers for writers.

Let#8217;s start with the Turn online, most obvious and the most glamorous. Scientific You Know. Novelists get the most fame and Help psychology homework games, the most glory. Well, some do. There are your Hemingways and your Rowlings and your Tolkiens. As famous as some of these writers have become, they are the few who have risen to fame. Most novelists struggle in the shadows, writing their stories with a few fans (Hi Mom!) and more often than not they require a day job to keep the landlord from entering with his backhoe. But many novelists who will never be famous do make money, some as extra income and some even make enough to writing help turn it into a full time profession. You don#8217;t write novels for the money. You do it to appease the characters in your head, so they#8217;ll stop banging on your skull demanding to be set free. Randolph In Philadelphia. You do it for your own sanity. If you make enough money to Scientific call it a career, that is just a bonus.

If not, at least you save the cost of Help with games, therapy. Probably the second-best known writing career, at least for people reading this blog, is writing that of blogger. Wd My Book Xbox. There are thousands of bloggers in the world, many of them making money. Scientific Writing Help. A few of Wd my book help xbox, them are also good marketers and have learned how to monetize their blogs; they actually make enough money to quit their day jobs. But most bloggers don#8217;t earn enough to make a career out of blogging, so if you plan to be a blogger, you had better make it enjoyable. In fact, ghostwriting blogs for small and medium-sized companies might just be the most profitable way to blog for help you know a living. Good Science Fiction. Journalism is a special skill, or set of skills. Writing Help. It involves research and homework, writing, judgment and detachment. You are writing with a purpose and making sure to appear neutral (In theory, you should actually be neutral, unless you are writing an writing help you know, opinion piece, but in Geography homework theory the Scientific you know, moon is made of cheese, right?). Journalists take themselves very seriously, and you will not be allowed to free the answers, characters in your head.

So best budget for therapy. A columnist is writing help you know not quite the Wd my xbox, same as a journalist. Typically a columnist has a field of expertise and offers a viewpoint. Like a journalist, a columnist has to do solid research and write based on facts. Help You Know. Unlike a journalist, a columnist is not expected to be balanced and Turn in assignment online csc, neutral in her reporting. She is supposed to writing be opinionated to some degree, and is permitted to occasionally stick out her tongue. A speechwriter has to be able to services pick up on the speaker#8217;s voice and style, and at the same time visualize the audience and their reactions. He has to Scientific understand cadence and how the words roll off the Help games, tongue.

A speechwriter is almost always a ghostwriter, otherwise he would be called a #8220;speaker#8221;. Most politicians, diplomats and Scientific writing you know, business leaders have dedicated specialists on their team to write their speeches. Oftentimes people receiving awards or presenting awards hire a freelance speechwriter. Wedding speeches are sometimes written by professionals. I have written best man speeches, father of the bride speeches, father of the groom speeches and maid of honor speeches. Good. It very much helps if you have been a speaker yourself.

I spent several years in Toastmasters learning all about Scientific writing help what goes into delivering the speech, and that makes me much better a speechwriter, as a result. Also known as a screenplay writer, you get to write scripts for movies, cartoons and TV shows. Like a speechwriter, you need to be keenly aware of how the words will sound when spoken. Tougher still than a speechwriter, you have to be able to write in the narration, the action and book, the sound effects. Scientific Writing. Like a novelist, you need to know how to spin a story. This is a pretty tough set of skills to learn, and help xbox 360, it certainly helps if you#8217;ve had prior experience working on Scientific you know, movie sets. Not many plays are written these days, so there are not many careers available in this field. However, it easier than being a scriptwriter, as there is good fiction much less of the action and the sound effects to script. Plays depend more heavily on dialogue. Scientific Writing. This is definitely a freelance career, but don#8217;t quit your day job.

Did you notice that there are portions of some video games that include narration or dialogue? Well, they don#8217;t just write themselves. This is another form of Wd my book, script writing that might interest you. Comic books and graphic novels combine visuals with text in much the same way that films and stage plays do. In this case, you need to be able to coordinate with an illustrator and synchronize your work so that sparse images and sparse words combine to deliver the story. This really is an art form, and help, not as easy as it looks.

While it can be done remotely, being able to work together in the same room can be an advantage. Oops, how did that one get there? That#8217;s not really a career. Songs, songs and more songs. Everybody is singing these days, so there is actually a demand for poets, after all. A lyricist is a poet who writes for the melodies of popular songs.

It sure helps if you can also write the music, but many songs are co-written between a lyricist and a composer. This is typically a freelance career. Turn. I love writing lyrics, because the characters in my head are usually singing rather than screaming. Yes, that calls for a special type of Scientific writing, therapy. Turn In Assignment. This might seem like the easiest field for a writer to break into, and perhaps it is. But after getting your third rejection letter, you will realize that it has to be taken seriously. There is a lot of competition for the hearts of Scientific, consumers in this field, and just because you write something you think is help xbox clever doesn#8217;t mean a greeting card company will buy it. There is a huge demand for technical writers who can explain complex directions and explanations for users, in words that users can actually understand.

Consider that every computer, every gadget, every measuring device, every software program or application, every industrial machine and every appliance needs a manual. If you have ever tried assembling something as simple as furniture or a child#8217;s toy and realized how confusing the instructions are, that#8217;s a clear indication of how desperately the world needs more and better technical writers. This can be done as an employee or as a freelancer. A copywriter is someone who writes sales material such as advertising, direct marketing letters and emails, pamphlets, packaging (yes, all those words on cereal boxes and dog food bags are written by somebody), newsletters, catalogue descriptions and website copy. It#8217;s not glamorous, but if you do it well, it sure pays the bills. It helps to writing learn about a few niches, so that you can write with authority on those topics. There are copywriting jobs, and this can also be done freelance. Geography. Speaking of not glamorous, the writing help, proofreader works deep in the shadows, although he plays a very important roll. As long as there is Online website writing services writing, there is a need for proofreading.

If you have a strong attention to detail (otherwise you#8217;ll just be a #8220;poofreader#8221;), this can be a steady paying job, freelance or as an employee. When you read The Readers Digest , where do the articles come from? From freelance article writers, for the most part. The same is true for most magazines. They might have some staff writers, but they get a much better variety of articles and can better control the writing help you know, flow of work and personnel by relying on freelancers. There is a huge market for article writers who can write creatively and informatively, at Geography physics, the same time thinking in terms of target audience. You might think this is just a fancy name for #8220;secretary#8221;, but an executive assistant is often called upon to Scientific writing help you know draft letters and Writing good science fiction, proofread them, as well. A particularly skilled executive assistant might even be asked to help with writing articles and speeches for help an executive. This is very much a jack-of-all-trades position, and if you have attention to detail, can keep organized and don#8217;t mind being at someone else#8217;s service, it could be the career for you. A virtual assistant is typically a remote freelancer who helps small companies and Online thesis, consultants with some of the more routine tasks.

There is no job description for Scientific help this position, so if you can write well, you might find yourself writing letters, copy, blog posts, press releases or even proofreading and editing material. There is a lot of offshore competition that drives the Turn online csc, pay for this career down. English language skills are critical for anyone who wants their virtual assistant to help with writing or proofreading, so if you have those skills, you can command a decent fee. If you have any innovative career experiences, I invite you to share them in the comments below. In this role, you will be writing for social media, including responding on the fly to social media interactions, as well as scheduling social media broadcasts.

You will also be focused on building an audience, so what you write is critical not just for Scientific engagement with readers, but also for attracting new readers. If you are really fluent in two or more languages, you can make really good money doing translation. Typically, you would translate from your second or third language to your native tongue. If you were raised bilingually, you might be able to translate in both directions. Many translation jobs require official training, testing and a certificate. There are also many freelance opportunities that do not require any such certification. Media Relations Specialist.

This position combines three key functions. Homework In Philadelphia. One is strategic, developing strategies to get more or better media coverage. The second is preparing materials for the media, such as press releases with backgrounders and op-ed articles. The third is acting as a spokesperson for help the company. Many careers in this field do not require the spokesperson role, but all require a heavy writing role, often with a lot of research involved. Randolph Upper School Homework In Philadelphia. Large organizations typically have their own employees to do this; smaller companies usually rely on freelancers. If you are desperate for writing work, you could always help someone cheat themselves out of an education. There is a thriving market for essay writers from students who don#8217;t want to or are not capable enough to write their own essays. Just remember when the doctor removes your heart by accident instead of your liver that you helped him #8220;earn#8221; his degree. This is the perfect career for anyone whose head is teaming with evil characters demanding their freedom and threatening to set off TNT in your brain.

There is a thriving market for Online website writing thesis people to write grant proposals. Non-profits, charities and Scientific writing, NGOs often seek grants form government and from foundations. Grant proposal writing is a specialized niche. Homework Physics. You get to know what the people who review the proposals are looking for so as to maximize the help you know, client#8217;s chance of scoring with one single reader (it might be several people reviewing it, but it is upper school one agency that will decide if that proposal fails or succeeds). For that reason it is a hard field to break into, but it is Scientific a field you can enter remotely as a freelancer. As with grant writing, resume writing is a very specialized field, for a similar reason. After a while, you get to see what works in a resume and what doesn#8217;t, what works in answers a cover letter and what doesn#8217;t. Scientific Help. As with grant writing, the whole goal is to in assignment maximize the client#8217;s chance of scoring with a single reader. With people changing jobs more than twice a decade, there are plenty of writing, resumes and cover letters to be written. There are both freelance opportunities and employment opportunities in this field. Business plan writing is in some ways similar to resume writing and grant writing.

You are writing with a very small audience in Writing fiction mind, hoping to Scientific help score an good, investment with a single reader. It might be presented several times, but a lot of work goes into writing the plan, which will never go to a mass audience. This is Scientific writing help typically a freelance career. This is a nice little set of niches for a few people who are very passionate about the topics. Restaurant and food reviews, art exhibit reviews, entertainment reviews (theatre, concert, etc.) can be well-paying and a lot of fun, and there are newspapers and magazines that pay well for these. Breaking into this field is not easy. It can often be done freelance, but some publications have dedicated employees writing reviews.

Similar to a reviewer, a travel writer writes about places she has been and what one could expect to encounter there. Typically, the with homework, two skills a travel writer needs are the ability to fill readers with a sense of wonder and not getting sick on airplanes. Oh, and it helps to have really good photography skills. There are plenty of careers teaching English, journalism, communications and creative writing. Don#8217;t overlook these opportunities if you have the type of personality that works for writing help teaching. Everybody has a book inside them, but some people need help bringing it out. They turn to writing coaches, especially if they are serious about becoming a professional writer. If you want to teach, but prefer freelance and one-on-one, this is a great alternative to Geography a professor position at a college or university. Not every writer writes for a living. Professors and writing coaches are not the only ways to put your writing expertise to use in a non-writing capacity.

Literary agents evaluate manuscripts and Scientific writing help, then represent the authors in pitching them to publishers. This career is one part making tough choices about which manuscripts to accept and which to reject, and one part pitching those they choose to represent. Typically, literary agents are freelancers and have some experience with publishing. Geography Homework Answers Physics. While the literary agent represents the author, the acquisitions editor works for the publisher. Her job is to find the help you know, ideal manuscript. In other words, her job is Randolph school homework about making even tougher choices than the literary agent has to make. The editor of a publication runs the publication.

Her biggest job is to supervise the Scientific writing, writers and Online website services thesis, graphic artists, make choices about the content and layout and often to manage the business end, as well. Magazines and newspapers have editors, and so do many book publishers. There might be several editors with various functions, such as a managing editor who manages a large editorial staff and an assignment editor who determines which reporters will cover which stories each day. The copy editor#8217;s job is to writing you know review manuscripts and homework in philadelphia, articles, edit them for grammar and Scientific writing help, appropriateness, make sure they fit a publication#8217;s style, sometimes check facts and do whatever else is needed to make an article publication-ready. In some anthology books, the editor is also responsible for supervising the various writers and providing context for the various entries. We started this off with novelists, but fiction is Writing science fiction only half the world of books. There is a huge demand for how-to and self-help topics, and help, some people who lack the good, story structuring skills to write fiction find these sorts of books and eBooks to be just as fulfilling (and often more profitable) to write. There are writers who specialize just in writing biographies. Scientific. A few of them get very rich, writing biographies of famous people, and even richer ghostwriting autobiographies of famous people.

This is not an entry level position. On the other hand, some people specialize in writing heritage books, family biographies that are never meant for mass distribution. Answers Physics. Those usually are entry positions. This is a deceptive career title, since a ghostwriter is Scientific you know somebody who writes the words for another person#8217;s credit. Help With Psychology Games. If you write fiction for help an author or for a publisher as a ghostwriter, you are at the same time a novelist an anonymous novelist. If you write speeches for politicians or businessmen, or for best men and fathers of the bride, you are an with psychology homework, anonymous speechwriter. Scientific. What is the most important characteristic of a good ghostwriter? Discretion. So if you love to write, your career options are almost boundless.

There are just so many ways to go. Your only limit is your imagination. And for a writer, that#8217;s not much of Online website writing thesis, a limit! If you have any innovative career experiences of Scientific writing help you know, your own, I invite you to in assignment share them in the comments below. David Leonhardt is President of Scientific, The Happy Guy Marketing, published author, a Distinguished Toastmaster, a former consumer advocate, a social media addict and experienced with media relations and government reports.

So, as a blogger/columnist/editor, I applaud your great explanation of the choices available to those who consider themselves wordsmiths. Hi David thanks alot for the explaination of the various writing careers. This has helped me alot in ascertaining the path to take. Thanks for the list. I think I will try some of the options on the list. Some may not be as lucrative as others, but it will keep the passion for writing burning. Homework Games. A mega list of writers can be! Its a useful guide for those who might be wondering what they can become as writers. One of the most interesting career part I never thought of but listed here is help Media Relations Specialist. Online Writing Services Thesis. I may have to writing you know checkout in detail what this professional writer does. Nevertheless, the skills displayed in most of these careers for writers are interwoven.

Hence, one may need to help 360 properly develop them effectively! I left this comment in kingged.com as well. Great list for writing help you know writers! I like this list very much. This doesn’t focus on content marketing but it shares ideas on homework physics, how to make money even without the heavy things to consider in. Scientific Help You Know. Being a poet, lyricist and greeting card writer are some of the Help psychology homework, suggestions you shared that I like the most. Writing Help You Know. There are certain sites that will pay you to create poems and alike. I am passionate with poem making and song writing, I must say. All in all, great and awesome list! What a great list to peruse. Writing Fiction. I had completely forgotten about proofreaders which I had actually done before I was married!

This article serves as a gentle reminder that we have MANY choices and thus, there#8217;s no reason to panic. I am currently looking more into social media management and virtual assistance just to add some variety. Otherwise, typical blogging will always be my home#8230;.along with the occasional ghostwriting :p. Help You Know. Take care, David. The article flows like a symphony. Geography Homework Answers. THANK YOU DAVID . Scientific Writing Help. Exactly how I wanted it to flow. Awesome! Thanks for Turn online the rewrite, its perfect. Oh wow, I am crying.

It is beautiful. Scientific Writing Help You Know. I am very very happy with the upper in philadelphia, outcome! Copyright #x000A9; 2017 · The Happy Guy Marketing. Serving the help, world from the Ottawa - Cornwall - Brockville Ontario triangle.

Feb 16, 2018 Scientific writing help you know, write my paper -

Historical Review Of Mutual Funds. In the Scientific you know, early commercial history, Egyptians and Phoenicians sold shares in vessels and caravans in order to spread the risk of their venture. On the same lines the homework physics, idea of mutual fund has its formal origin in Belgium, here the idea was used in transportation of ships. In 1822 Societes' Generale de Belgique was started as first Investment Company to finance investments in national industries with high associated risks. Later, in Switzerland and in France similar agencies took birth, still later in 1860's it also moved to England, in 1868, the foreign and colonial government trust was established. In USA, the idea took root in the beginning of the Scientific you know, 20 Century and there was little activity up-till 1924, in 1924 three investment companies were organized.

' Massacheusells Investment Corporation. ' State Stree Investment Corporation. ' US and Geography homework physics, foreign securities corporation. All these institutions are still operating. Investment companies Act of 1940 was enacted to protect the public investment. There are over 5000 mutual fund schemes with total assets of over writing help you know, US $1million will prefer to mutual fund route to investing in equity instead of direct participation in share market. Geography Physics? Fidelity Investment, is the largest fund, the annual growth rate is 20-25% the trend is Scientific help, almost similar in all Europe.

In 1920, it entered Canada, Canadian Investment Fund in 1932, was the first mutual fund in Help games, Canada, later on it spread to almost all countries of the world. In U.K, nearly 80% of investors look to the mutual funds unit trusts as they are called there. The unit trust is leading bank deposits. Mutual funds in the U.K. are divided into two, namely, 1. Unit trusts are essentially Open-ended funds. 2. Investment trusts are Close ended funds. Japanese Trusts are of two kinds: 1. Help? Unity type investment centers. 2. Homework? Open type investment centers. In Japan investment trusts were set up under the securities investment law, 1951. The unique characteristic difference between Japanese investment trusts and American mutual funds is the fact tat the mutual fund industries in America evolved in response to market needs, whereas the development of the help you know, Japanese investment trusts has been in response to Government Policy.

In recent years mutual fund in Japan and Far East countries have been showing excellent performance. Online Writing? Mauritius and Netherlands are emerging as tax heavens for off shore mutual funds. HISTORY OF MUTUAL FUNDS IN INDIA. Mutual funds entered Indian Market in 1963. Unit trust of India was set up under the UTI Act, 1963. It operates both as a Financial Institution and as an Investment Trust. Unit scheme 64 was the first scheme started with a basic objective of mobilizing savings though the sale of units and invests them in equities and other securities. It offered three-dimensional benefits namely high yield, capital appreciation and liquidity. The history of mutual fund in India till the mid of 80s' in virtually synonymous with the Scientific you know, history of UTI.In 1986, the UTI launched first growth scheme. Master shares which was listed and treated in stock exchanges. School In Philadelphia? The monopoly of the UTI was broken in 1987.

Public sector banks entered the scene with their mutual funds schemes with much fun fair i.e. in 1987, five banks. ' State Bank of writing help you know, India. ' Punjab National Bank. ' Along with LIC and Wd my help xbox, GIC came out with their mutual funds. Mutual funds sponsored by the banks and Scientific help, other public sector financial institutions became popular on account of.

' Wide network of collection centers of the bank and in philadelphia, other sponsoring organizations. ' Trust in the ability and reliability of the sponsors. ' Accessibility and familiarity with the sponsor bank/ organizations. Till 1992, the scene was well as the stock market was in a boom and share prices were rising quite sharply. So there was a great demand for equities, the investors could have never even thought in their wildest dreams to deliver. The investors rushed to Scientific writing you know buy at with psychology games what ever was on offer they were not bothered about the risk associated with the quality of the Scientific writing help you know, funds on offer their objectives and track records of the Turn in assignment online csc, fund managers. This irrational action on the part of the you know, investors cost them heavily, when the bubble of csc, Securities Scam burst in 1992, as the rise in the prices of the stock were not because of the business performance but because of handiwork of few brokers it was destined to meet its logical tragic end. And when this happened the market reacted in a great panic, which led prices to fall like rune pins. After this, SEBI issued guidelines to Mutual Fund Industry in Mutual Fund Industry in 1993 and due to the Economic Reforms, Private sector and foreign companies entered into this sector.

The reasons for Scientific writing help you know, private mutual fund to online enter maybe- 1. Poor servicing, in ordinate delays in writing, the receipt of unit certificates and divided warranties. 2. Good? Indifferent performance of most of the mutual fund schemes, which under performed the market thus denying the investor, reasonable returns. 3. Absence of adequate disclosure norms. 4. Lack of an investor friendly approach in general. Kothari pioneer was the writing, first privates company to launch its mutual fund in 1993 and Morgan Stanley was the Writing fiction, first foreign company to enter into help you know, the Indian market which is one of the Wd my book help xbox, world's largest mutual funds. Briefly the Scientific you know, categories of players can be divided into four types, viz. ' Public sector banks. ' Insurance companies / All India financial institutions. ' Private sector- inclusive of foreign companies and joint ventures.

Private sector funds are performing well in the market. A fund mobilized by private sector is more than UTI and public sector. RESOURCES MOBILISED BY MUTUAL FUNDS. Private Sector MF's Public Sector MF's UTI Grand Total. Open end Close end Total Open end Close end Total Open end Close end Total. of Funds 7769.59 76.91 7846.5 364.1 1307.1 1671.3 6820.23 6372.66 13192.9 22710.7.

Amount 1101.93 36.73 1138.66 291.85 404.16 696.01 9773.41 546.26 10319.67 12154.34. Redem-ption Amount 5180.98 74.16 5255.14 0.27 639.90 640.17 0.00 5610.75 5610.75 11506.06. Net In/Outflow of Fund 1486.77 -33.98 1452.70 72.03 263.13 335.16 -2953.18 215.65 -2737.53 -949.67. According to data available on provisional basis, the in philadelphia, mutual funds mobilized Rs.22710.73 crore without adjustment of repurchase redemption during the Scientific you know, financial year 1997-1998. However, it is important to website writing thesis note that in case of Open-ended schemes, there was a continuous sale and repurchase of mutual funds, and there was redemption of some of the schemes as specially of unit 64 scheme of UTI. Scientific You Know? Thus after adjustment of repurchases and book, redemptions, there was an writing help outflow of funds of Rs.949.67 crore during 1998-1999.

Further analysis of data shows that while there was a net inflow of funds of Turn in assignment csc, Rs.1452.70 crore and Rs.315.16 crore in case of private sector mutual funds and public sector mutual funds, respectively, there was a net outflow of Rs.2737.53crore in Scientific you know, case of the UTI the largest mutual fund. Details are given in the following table: Table showing Resources Mobilization by Mutual Funds (Rs. In crore) CLASSIFICATION OF MUTUAL FUNDS. Based on advantages and services offered to various sections of the society, mutual funds can be classified into three broad categories.

Viz., It is based on the basis characteristics of the mutual fund schemes opened for the public subscription; it can be classified as; (A) OPEN ENDED MUTUAL FUNDS: It is a scheme in with games, which a investor can buy and sell units on daily basis, where in the scheme have perpetual existence and a flexible ever changing corpus. Writing Help? Investors are free to buy and sell any number of units at any point of time, at prices, which are linked, to NAV of the units. Writing Good Science? As the NAV changes with time, so do the prices at which the investors can buy and sell these units it gives complete flexibility to the investor as he can invest or dis-invest at any time. The fund is not listed in the stock market. The investor can buy and sell these units form and to the mutual fund. In accordance with the writing, recent changes, the fund manager has the option to list the Help with psychology games, fund in the stock market in addition to repurchase and resale. (B) CLOSE ENDED MUTUAL FUND: It is writing, a fund where in it has a fixed corpus and operates for fixed duration at the end of which the entire corpus is disinvested and school, proceeds are distributed to the various unit holders in proportion of their holdings. Help? The fund can also make interim payments if it so decides.

Thus it ceases to exist after final distribution. The units are issued like any other company's new issues, listed and quoted at the stock exchange. The units of close-ended funds are not always redeemable at psychology homework their NAV. Market prices are determined by help you know, demand and supply and not solely by NAV. If the fund manager so chooses, he can offer repurchase facility. So also he can resume resale to psychology games the extent of repurchase.

All the schemes discussed below are either open ended or close ended. Mutual funds differ with reference to the type of instruments in which the money can be invested. These are specified in the offer documents/ prospectus and accordingly the fund is structured for a particular purpose. They provide fixed returns for those who desire safety and steady income. Writing You Know? The Fund is invested in physics, Government securities and Scientific you know, Bonds. It is more liquid, diversified and conservative investment with regular income and moderate capital gains. The price of in assignment online csc, units of a Mutual Fund fluctuates with changing interest rates.

They are mainly those who are willing to accept risk in the hope of writing help, a high Return. These are called Common Stock Fund. They are of two types ' Growth Funds and Go-Go Funds. The former consists of investments in Turn, Blue Chips and the latter is High Risk Stocks. They are mainly to help you know maximize the current income of investors. Fiction? They are two types of funds Low Investment Risk with steady income and High Risk Investment with maximum income. Investment would typically be in fixed income securities to greater extent; and in shares, to a smaller extent.

Capital appreciation in such schemes may be limited. It is ideal for you know, retired people and others with a need for book 360, capital stability and regular income, and investors who need some income to supplement their earnings. As most of Investors prefer income Funds, the you know, sales of this fund had dominated the other types of funds. (D) MONEY MARKET MUTUAL FUNDS: Investments are predominantly in Money Market Instruments like, Certificate of Deposits, Commercial Paper, and Treasury Bills etc. They are short term in tenure, highly liquid with high safety. Homework? This fund is an alternative to saving account of high bracket savers. Scientific Writing You Know? The fund cannot invest the corpus in shares, debentures and other such papers. Returns on these schemes may fluctuate depending upon the interest rates prevailing in the market. (E) SPECIALISED FUNDS:

These funds invest in securities of certain industries/specific set of or specific income producing securities. Online Website? They carry more risk due to lack of diversification. (F) LEVERAGE FUNDS: The funds borrow money in order to increase the size of the corpus and there by increase the benefit to the Unit Holders by operating with a larger corpus than the money collected. Now doubt the Scientific writing help, cost of borrowing funds, which have to be more than compensated by Randolph upper school in philadelphia, returns on investments.

(G) BALANCE FUNDS: Here the assets are made up of a judicious mixture of industries, Stock and Bonds. Help? To secure reasonable rate of return, the funds are employed in book help 360, high-grade common stock and conservative fixed income securities like debentures, bonds and preference shares. In a rising stock market, the Scientific writing help, NAV of these schemes may not normally keep pace or fall equally when the market falls. It is ideal for investor's looking for a combination of income and moderate growth. (H) PENSION FUNDS: These Funds provide for homework, long-term investments out of individuals' investors' superannuation savings. They take advantage of tax rate available for such investors. Investments are made in the index scripts with the writing, same proportion and website writing services, weight age as that of index.

The performance of fund will be in the line with the index. (J) TAX SAVING SCHEMES: These schemes offer tax rebate to the investors under tax laws as prescribed from time to time. This is made possible because the government offer tax incentives for investment in specific avenues. Recent amendments to the Income Tax Act provide further opportunities to investors to save capital gains by investing in Mutual Funds. This scheme is ideal for investors seeking tax rebate. MUTUAL FUND ' FRAME WORK. ' Approval by SEBI. ' Sound track record. ' Experience in help you know, Financial Services. ' Professional Competence, Financial Soundness, Reputation, etc.

' Contribution to AMC Capital 40% minimum. ' Names to Wd my help 360 be approved by SEBI. ' Legally responsible for administering the Trust and Compliance. ' Norms for Trustees. ' Experience in Scientific help you know, Financial Services. ' Minimum 4 members on the board and 50% of the members not to be connected with the sponsor. ASSET MANAGEMENT COMPANY (AMC) ' Managing funds for schemes. ' Performing Accounting Function.

' All day-to-day affairs of the with psychology, Mutual Funds. Income of an writing you know AMC/ AM fee. ' 1.25% of weekly average NAV (Net asset value) of each scheme up to Rs 1000 crore of assets managed. ' 1.00% greater than 100 crore. ' Infrastructure expenses to be borne by the AMC. ' Safe keeping of the Turn online csc, assets held by help, the Fund. ' Receives and Delivers Securities for payment. ' Follow up on Corporate benefits. ' Provide an independent means of control. ' Issue of Account Statements to Investors. ' Arranges payment to Investors when they redeem.

' Takes care of non-commercial transactions like change of address, loss of account statement etc. The registrar maintains the investment account of the Unit holders and also handles the complaints and grievances from the investors relating to dividend, purchase and sale of units. REGULATION OF MUTUAL FUNDS. The Mutual Funds operating in India was governed by a number of Regulations and with homework games, guidelines issued by various Agencies viz., UTI Act 1963 and UTI Guidelines, the Indian Trust Act 1882, Income Tax Act 1961 etc. Mutual Funds sponsored by Scientific writing you know, Banks were governed by guidelines dated June 28,1990 and Revised Version dated February 14,1992. The Ministry of help 360, Finance and Government of Scientific you know, India realized the need for a set of common rules governing entire Mutual Fund Industry, appointing a Committee under the homework, Chairmanship of Dr.S.A.Dave, who was the Chairman of UTI. Scientific You Know? The Committee submitted its report in 1992, based on these recommendations SEBI issued guidelines for the Mutual Fund Industry in January 1993. And these are known as Securities and Exchange Board of India (Mutual Funds) Regulations 1993. After the issue of these guidelines by SEBI, Mutual Fund Industry was opened for private sector to enter the Online services, field. Scientific Writing You Know? And all the Mutual Funds controlled by SEBI except UTI. Brief details of the Help with homework games, SEBI Guidelines are: - ' Mutual Funds are to be established in the form of Trust under the Indian Trust Act.

' Funds and Scientific you know, assets are to be managed by Geography homework answers physics, an Asset Management Company. ASSET MANAGEMENT COMPANY. ' AMC shall have minimum net worth of Rs.10 Crores. Scientific You Know? AMC and Trustee of Mutual Funds are two separate legal entities. ' AMC should furnish SEBI their respective Memorandum and Articles of Online website writing, association for approval. ' AMC or its affiliate can undertake activities like management and Scientific writing help, advertising services to Pension Funds, Provident Funds, Venture Capital Funds, Financial Consultancy and Research, but should not act as manager for any other Fund. ' All schemes floated by Mutual Funds are to be registered with SEBI. ' A standard format of Scheme's prospectus has to be introduced. ' All the investors up to 5,000 Units will be given full allotment in case of over subscription.

' Mutual funds dealing with money market instruments are to be regulated by SEBI. ' Other Mutual Funds Schemes, which invest partly in money market and Geography homework, partly in Capital market, are regulated by SEBI. ' No Mutual Funds, under all its schemes should own more than 10% of any company's paid up capital carrying voting rights. ' Mutual Funds may invest in another scheme managed by the same AMC or others to the extent of 5% of the NAV. ' Mutual Funds can invest only transferable securities in Money Market or Capital Market. ' Investment in debt instrument should generally be in those rated an investment grade and above. All Mutual Funds must distribute 90% of their profits every year among their investors. MARKETING OF MUTUAL FUNDS. Marketing is the big challenge in business especially of marketing of help, Mutual Fund.

The challenge is that with the same product and customers with diversified profile. Mutual Funds deal with small investor's hard-earned money, a sensitive commodity and only service is involved in Randolph, selling the product. Since mutual Funds interacts with lakhs of investors who are likely to be associated for a longer tenure, post issue services plays an important role in customer satisfaction. Along with four P's namely, product, price, place, and you know, promotion, Mutual Fund has one more P i.e., Portfolio. The marketing division has to book help design the product according to the needs of the investors and place it in right market, in right manner, targeted to the right segment. Formalities of marketing Mutual Funds starts with taking permission from Agencies like Ministry of Finance, RBI, SEBI etc. Gazette Notification of Schemes is then done. Marketing division has to evaluate the strengths, potentials, opportunities and weakness of the market.

According to the market condition it has to design the Scientific help you know, products i.e., the Online writing services thesis, Scheme. The price should be so designed, such that to reach and attract small investors. The price of you know, one scheme will differ from the homework, other according to its segments of customers. Scientific Help You Know? Various techniques are used to reach the unaware pocket of Help with psychology homework games, investors like direct mailers to full-fledged marketing campaigns, the Fund will spend lakhs of rupees to mobilize investments and consequently marketing cost will increase. So a marketing division should always balance its costs with the price of the scheme. The expenses of the fund should not increase the income from the fund. A Mutual Fund is an Scientific help investment vehicle for those who want to help xbox spread their risks and seek returns, which are than those available from Bank deposits or other investment avenues.

Such investors from should be educated to avoid facing situations of Scientific help, loss of faith in investments or heavy off-loading in the huge discount of book help 360, NAV. Positioning of Mutual Fund is very important. You Know? Mr. G.D.Shenai, Managing Director, Canara bank Mutual Fund states that ' Most funds have targeted the wrong segment of customers, he feels mutual offer a solution to those people who do not have access to the Stock Market, due to Wd my book help xbox lack of Scientific writing, time or because of geographical spreads limitations. Upper Homework In Philadelphia? It is this segment of investors, which should be trapped through television.

Rural markets could be penetrated with special schemes aimed at Scientific help you know this population. Also the wide Canara Bank network in the rural areas could serve this clientele. The portfolio of investments made by fund should be regularly reviewed by in assignment csc, calculating the returns from each segment of the portfolio, their present market positions, evaluate their future market position etc. if one segment is Scientific help, not up to the target then the portfolio should be changed. The portfolio should be so designed which satisfies the Turn in assignment online, Scheme's need. The portfolio of a debt scheme will have more equities and less debt, liquid funds have money market instruments and debt of very short-term tenure. Marketing of Mutual Fund is not deal based, but it is relationship based. The psychology of investor's needs deep insight; understanding and responding to present investor will obviously bring new investors besides retaining present investors. Thus data based marketing should be emphasized for open-ended schemes. PRICING OF MUTUAL FUND UNITS. Pricing is a very concept of marketing mix.

Pricing of financial products is a complicated issue. Writing? Very often, there are vast differences between face value and with homework, market price. There are some legal restrictions on pricing of units. SEBI Experts Committee on pricing units: An Expert Committee was set up by SEBI under the Chairmanship of Mr.L.C.Gupta.

The Committee has suggested two options namely: 1. Help You Know? The purchase and sale price can be determined with a fixed discount and premium respectively on the NAV. 2. The AMC should have the discretion to fix the repurchase and sale prices as long as they are anchored to the NAV i.e., the repurchase price is not lower than 93% of the Turn in assignment online csc, NAV, provided that the spread between repurchase price and the sale price does not exceed 7% calculated on the sale. Thus the Committee has opined the repurchase and sale prices in the case open-ended schemes should be nearer to NAV after suitable adjustments for expenses in connection with entry and you know, exit to or from the psychology, scheme as the case may be. SOME TERMS RELATING TO PRICE. 1. Entry load or front end load ' A sales fee charged at the time of purchase. 2. Exit load or back end load ' A fee charged at the time of redemption of repurchase of units. 3. Premium - If the price of the unit is higher than NAV then the units is issued at discount. 4. Discount - If the NAV is higher than the price of the unit then the unit is issued at discount.

5. Managed Fees ' The percentage changed for portfolio management. Scientific You Know? This expense will be stated in Fund's prospectus. Homework Games? These expenses may decline proportionately as the Fund's asset base increases. 6. Net Asset ' Total value of Fund's cash and securities less its liabilities or Obligations. 7. Expenses Ratio ' The annual expenses of a Fund include the Management fee, Administrative costs, divided by net assets. 8. Public Offering Price ' The sale price per unit at writing help which a unit holder can buy the units. POP = NAV / 1 ' Sales Load. 1. Redemption Price ' The sales price per services thesis, unit at Scientific writing help which a unit holder can sell the units of open 'ended scheme.

REDEMPTION PRICE = NAV / 1 + Exit Load. 2. Repurchase Price ' It is the price at which a close-ended scheme repurchased its units and good, it may include a back end load. Benefits of Mutual Funds. 1. Professional Management: Availing of the Scientific, services of experienced and skill professionals who are backed by a dedicated investment research team which analyses the performance and prospectus of Companies and select suitable investments to achieve the objectives of the Scheme. Mutual Funds invest in a number of companies across, aboard cross section of industries and science fiction, sectors.

This diversification reduces the writing you know, risk because seldom do all stocks time and in homework, the same proportion. Investors can achieve this diversification through Mutual Fund with far less money he can do on his own. 3. Convenient Administration: Investing in writing you know, a Mutual Fund reduces the paper work and helps in Turn online, avoiding many problems such as bad deliveries, delay payment and unnecessary follow up with brokers and companies. Mutual; Fund save time and writing, make investing easy and convenient. 4. Return Potential: Over a medium of long term, Mutual Funds have the potential to provide a higher as they invest in a diversified basket of selected securities. Mutual Funds are a relatively less expensive way to invest, compared to directly investing in the Capital Market, because the benefits of Online website, scale in brokerage, custodian and other fees translate into lower costs for investors. In open-ended schemes, one can get their money back promptly at Net Asset Value related prices from the Mutual Fund itself. Scientific Writing Help You Know? Close-ended schemes units can be sold in Geography homework physics, a Stock Exchange at you know the prevailing market price or avail the facility of direct repurchase at NAV related prices, which some close ended and Wd my help xbox 360, interval schemes offer.

Investor can get regular income information on the value of Scientific help, their investment in addition to disclosure on the specific investment made by the scheme, the proportion invested in each class of assets and the fund managers investment strategy and outlook. Through features such as regular investment plans, regular withdrawal plans and dividend reinvestment plans one can systematically invest or withdraw according to their needs and convenience. 8. Choice of Scheme: Mutual Funds offer a family of schemes to suit the varying needs of different types of investors. 9. Online? Well Regulated: All Mutual Funds are registered with SEBI and they function within the provision or strict regulations designed to protect the investor's investment. The operations of Mutual Funds are regularly monitored by SEBI. While risk cannot be eliminated, skillful management can minimize risk. Mutual funds help to reduce risk through diversification and professional management.

The experience and expertise of Mutual Fund manages in selecting fundamentally sound securities and timing their purchases and sales help them to build a diversified portfolio that minimizes risk and you know, maximizes returns. At present investment in mutual fund schemes enjoy the following tax benefits ' 1. Since, April 1, 2003, all dividends declared by debt-based mutual funds are tax-free in the hands of the website thesis, investor. A dividend distribution tax of 12.5% (including surcharge) is be paid by writing help you know, the mutual fund on the dividends declared by the fund. 2. Investors in school homework, ELSS (equity-linked savings schemes) can avail rebate under Section 88 of the Income Tax Act, 1961 on investment up to Rs 10,000 subject to the various conditions laid down in the said Section. 3. Under Section 10(38) of the Act, long-term capital gains arising from transfer of a unit of mutual fund is writing help, exempt from tax if the said transaction is undertaken after October 1, 2004 and the securities transaction tax is school in philadelphia, paid to the appropriate authority. 4. Under Section 111A of the Act, short-term capital gains arising from Scientific help, transfer of a unit of mutual fund is with psychology homework, chargeable to tax @ 10% (plus applicable surcharge) if the said transaction is undertaken after October 1, 2004 and writing, the securities transaction tax is Wd my help 360, paid. However, such securities transaction tax will be allowed as rebate under Section 88E of the help, Act if the transaction constitutes business income. ' Under Section 112 of the Act, capital gains, not covered by the exemption under Section 10(38), chargeable on transfer of long-term capital assets are subject to Online website services following rates of tax: ' Resident Individual HUF --- 20% plus surcharge.

' Partnership Firms Indian Companies --- 20% plus surcharge. ' Foreign Companies --- 20% (no surcharge). Capital gains will be computed after taking into account cost of acquisition as adjusted by Cost Inflation Index notified by the central government. Under Section 115AB of the Income Tax Act, 1961, long-term capital gains in respect of units purchased in foreign currency by Scientific writing, an overseas financial organization held for xbox, a period of more than 12 months will be chargeable at the rate of 10%. Such gains will be calculated without indexation of cost of acquisition. No surcharge is applicable for Scientific writing, taxes under section 115AB, in respect of corporate. PROBLEMS FACED BY MUTUAL FUNDS; The problems in mutual fund industry are as follows:

1. Volatility in Randolph school in philadelphia, Indian economy: Shares prices in Indian stock changes frequently. Thus a fund manager has to help you know change the portfolio according to the changes of share prices. 2. Investors education: Many investors are not aware of the benefits from mutual funds, they are not aware of the homework, characteristics return risk trade off in investing in Scientific writing, a mutual fund many investors are inactive and ignorant. 3. Incapable fund managers: Many fund managers lack the knowledge economy, industries and companies many playing with investor's money, they are not capable of Judge between investment choices and review portfolio. 4. Non co-operation between organizational committees: Sponsors, custodians, fund managers are not working hand in Geography physics, hand. SEBI guidelines say mutual fund has to maintain transparency in you know, its operations, but many funds are not transparent to its investors, government and public. 6. After sales service:

Mutual funds are not providing after sales services to investors like give details for reference, NAV disclosure etc., 7. Direct launching of equity: This may be the reason for the failure of mutual funds. In USA debt schemes were first incepted and then equity schemes were started, but in India due to boom in share market direct equity schemes were started and then debt schemes were introduced. 8. High risk, low return: The return, which a investor gets from mutual fund, is low, but the risk is high. Return earned from fund has to be distributed among the unit holders only after deduction for maintenance of the fund, thus the return will be low.

New trends in mutual fund industry. a) Systematic investment plan (SIP): Unit holders can benefit by investing specified rupee accounts at regular intervals for a continuous periods, for purchasing additional units of the good science, schemes at NAV based prices. By this unit holder can take advantage of the writing you know, benefits of rupee cost averaging. b) Systematic withdrawal plan (SWP): SWP allows the unit holders to withdraw a specific sum of money each month/ quarter/ half year/ yearly from his investments in Randolph upper, the schemes.

The amount thus withdrawn by you know, redemption will be converted into units at applicable NAV based prices and the numbers of units so arrived at will be subtracted from the units balance to the credit of the in assignment online csc, unit holder. c) Switching options: Unit holders under one scheme can switch or all of you know, their holdings in the schemes to another, which is available for investment at that time. d) Dividend at short intervals: Dividends from liquid funds are now coming thick and fast, with funds promising fortnightly and even weekly, pay-outs, liquid funds mainly targets companies and high net worth individuals.

e) Loans against Mutual Funds: Birla Global finance offers loans against mutual fund units. The company tracks 10 best performing open-ended mutual funds and grant loans against Writing, units of these funds. Investors have to Scientific writing pledge their units at interest rate of 17.5%. the company will disburse loan up to 60% of the value of equity fund up to 85-90% of the Geography homework answers physics, debt fund units. Term of the loan is a minimum of 15 days up to a maximum of Scientific writing, a year. f) Electronic clearance: Reserve bank of India has introduced a new method of payment which promises investors an option to collect periodic interest/ dividend/ repurchase/ redemption directly through bank account. Randolph Upper Homework? In this system payment instruction would be issued electronically through bank to the clearing authority and the clearing authority would supply credit reports to the bank with which investors maintain the specified account. Writing? The branch will credit the account directly and an ECS entry will appear in the passbook. A payment advice will also be send to investors.

This facility will help kin avoiding cases of pilferage, fraudulent encashment etc., TITLE OF THE STUDY. 'INVESTERS' PERCEPTION TOWARDS MUTUAL FUNDS' STATEMENT OF THE PROBLEM. The topic is selected assuming that the mind of every common man investing in mutual funds is a very risky affair, if not the riskiest.

This sentiment will result in the collapse of secondary market and the investments in stock market. The wrong feeling from general customers mind there is Online website, a need to study the perception towards Mutual Funds in Bangalore and to see if there is dependency of income level over investment in Mutual Funds and writing help, some efforts have been made to know about existing investors opinion about Mutual Funds and homework in philadelphia, their performances. OBJECTIVES OF THE RESEARCH. ' To know customers awareness about Mutual Funds. ' To study of investment in writing help you know, Mutual Funds is dependent on income levels or not.

' To study investors willingness to take market risk. ' To know the Online website writing, Brand and Advertisement influence on customers about Mutual Funds. ' To study the possible direction and growth in the context of the recent development in the Indian capital market. ' To study the age of people who are most interested to invest in Mutual Funds. SCOPE OF THE STUDY.

The scope of the study is Scientific writing you know, extended to investors' perception towards the mutual fund schemes, which is Geography answers physics, based on the conducted by the research Bangalore during the period of 2013 2014. LIMITATIONS OF THE STUDY. Efforts were made to see that the data has been collected and analyzed as accurate as possible. You Know? In spite of Writing, all precautions was taken, and certain limitations of the study can be observed, they are as follows:- ' The sample size taken for research may not give exact figure or may not cover the writing you know, entire population artificially or that the respondent may be biased. ' The second constrain was that the respondent may skip some questions. Also they may not respond every question correctly. ' The third and important constrain is the time limit. ' Finally the Wd my book 360, techniques used in data analysis may not be as accurate as other software applications. The study methodologies are as follows.

' Direct interview with some mutual funds holders. ' Discussion with persons who have some knowledge about mutual funds. ' Discussion with some mutual funds brokers. ' The study of various books of mutual funds, magazines, and newspapers. TOOLS USED IN DATA COLLECTION. Primary data: - It has been collected by. ' Discussion with some persons who have knowledge about this subject. Secondary data: - It has been obtained from. ' Magazines, journals and newspapers. It includes investors investing in mutual fund and money market.

The sample size of 50 respondents and help you know, method of sampling is random sampling. Global trends in Mutual Funds. Mutual funds have emerged as the chief vehicle of individual savings and Online website writing thesis, investments the world over. In the U.K, nearly eighty percentage of investors look to the mutual funds- 'Unit Trusts' as they are called there. In the U.S an individual with even $1 million of investable funds takes the mutual fund route to investing in equity, instead of writing help, resorting to Online website writing services direct participation. This is so even though he has access to a mass of information like Standard and Poor's 500 and Dow Jones Index to Scientific writing help you know guide him in taking his own investment decisions.

Presently in the U.S there are nearly 5000 mutual fund schemes with asset of homework, $1.6 trillion invested by 75 million unit-holders. By the turn of the century, the total assets are likely to writing touch $4 trillion. The largest fund, Fidelity Investments manages funds aggregating $268 billion. This has to be appraised in the context of total market capitalization of all the answers physics, stocks listed in Bombay Stock Exchange standing at a mere $115 billion. In the U.S the mutual fund business is growing at Scientific writing you know an annual rate of book help xbox 360, twenty to twenty-five per cent. According to a review conducted by Gold man Sachs, a leading U.S merchant banker, mutual funds are now the market's driving force, having brought eighty-four per cent of all shares acquired on 1993. The great diversity if mutual fund schemes in the U.S is illustrated by the Amana funds, the first and apparently the Scientific you know, only U.S mutual fund operating according to strict Islamic guidelines reportedly. Since Islamic law prohibits a guaranteed return on investment, the fund holds no bond or preferred stock, and keeps its cash in Randolph school in philadelphia, checking accounts, which pay no interest.

Thus fund, however, invests in Scientific writing help, stocks, which rise and fall in value and can rise, lower or eliminate any dividend. In all of Europe, too, the trend is similar. The major stock exchange at Luxembourg which has developed specialized skills in euro-issues, had 67 mutual funds, 'funds commons' as they are known, listed in Writing good science, 1984 with net assets of LUF 24,690 billion. In 1990,the number of funds increased to 268 and their net assets to LUF 1,38,660 billion. In keeping with general trend there was a dramatic surge in mutual funds investments. Obviously with such a large choice, the western investors has a wide variety of options and doesn't have to Scientific help rely on the same stereotyped schemes popularly known as 'plain vanilla' schemes. Mutual Funds in India.

Mutual funds first made their entry in Online website writing services thesis, India in 1964 with the Unit Scheme 64 launched by the Unit Trust of India (UTI). UTI was set up under the UTI Act, 1963, to Scientific writing help you know operate both as a financial institution and investment trust. Unit Scheme 64 turned out to be extremely popular, initially as a vehicle for domestic savings, but subsequently as an instrument for corporate holding as well. By 1964, the investable funds in this scheme had crossed Rs. 12,000 crores. In 1986 the first mutual fund growth scheme, Master shares, was launched by UTI. Website Services? This was successfully listed and traded in the stock exchange. Scientific Writing You Know? Encouraged by this venture, other players emerged.

In 1987 The State Bank of India Mutual Fund (SBI MF) and Canara Bank Mutual Fund (Canbank MF) started their operations, followed by the mutual funds sponsored by the Bank of homework, India, Indian Bank and Punjab National Bank. Scientific Writing Help? Not to lag behind, Life Insurance Corporation of India (LIC) and General Insurance Corporation (GIC), too, sponsored their respective mutual fund schemes. Seven institutions in the Public Sector -five banks and two insurance companies thus followed UTI. They all had the inherent advantage of basic infrastructure, an overflow of funds and upper in philadelphia, customer service outlets. By the end of March 93, the total corpus of the writing help, big eight was approximately Rs. 50,000 crores. With UTI alone, accounting for upper in philadelphia, Rs. 40,000 crores. The spectacular surge came in Scientific writing help you know, 1992-93 when the good fiction, total number of investors increased from 18 million to 32 million and the combined corpus rose to Rs 38,000 crores.

Much of it was no doubt account for by UTI Master Gain 92 which netted in Rs 4,791.79crore winning for writing help, itself a place in Guinness book of records. This increase has to be viewed against the background of net assets of a measly Rs4, 000 crore in 1987 for the entire eight-fund put together. Phase of development of mutual funds in India. The mutual fund industry in India started in 1963 with the Randolph upper school in philadelphia, formation of Unit Trust of India, at the initiative of the Government of India and Reserve Bank the. The history of mutual funds in India can be broadly divided into four distinct phases. FIRST PHASE ' 1963-1986. An Act of help, Parliament established Unit Trust of India (UTI) in 1963. Upper School Homework? It was set up by the Reserve Bank of India and functioned under the Regulatory and administrative control of the Reserve Bank of India. In 1978 UTI was de-linked from the RBI and the Industrial Development Bank of India (IDBI) took over the regulatory and writing, administrative control in Wd my help 360, place of Scientific, RBI. The first scheme launched by UTI was Unit Scheme 1964. At the Help, end of 1988 UTI had Rs.6,700 crores of assets under management.

SECOND PHASE ' 1987-1993 (Entry of writing, Public Sector Funds) 1987 marked the science fiction, entry of Scientific help, non- UTI, public sector mutual funds set up by public sector banks and Life Insurance Corporation of online, India (LIC) and General Insurance Corporation of Scientific writing, India (GIC). Upper? SBI Mutual Fund was the writing help, first non- UTI Mutual Fund established in June 1987 followed by Can bank Mutual Fund (Dec 87), Punjab National Bank Mutual Fund (Aug 89), Indian Bank Mutual Fund (Nov 89), Bank of India (Jun 90), Bank of Baroda Mutual Fund (Oct 92). LIC established its mutual fund in website writing thesis, June 1989 while GIC had set up its mutual fund in December 1990. Help You Know? At the end of 1993, the mutual fund industry had assets under management of Rs.47,004 crores. THIRD PHASE ' 1993-2003 (Entry of Private Sector Funds) With the Geography homework, entry of private sector funds in 1993, a new era started in the Indian mutual fund industry, giving the Indian investors a wider choice of fund families. Also, 1993 was the year in which the first Mutual Fund Regulations came into being, under which all mutual funds, except UTI were to be registered and governed. The erstwhile Kothari Pioneer (now merged with Franklin Templeton) was the first private sector mutual fund registered in July 1993.The 1993 SEBI (Mutual Fund) Regulations were substituted by a more comprehensive and revised Mutual Fund Regulations in 1996.

The industry now functions under the Scientific writing help, SEBI (Mutual Fund) Regulations 1996. The number of mutual fund houses went on increasing, with many foreign mutual funds setting up funds in India and also the industry has witnessed several mergers and acquisitions. By the with psychology homework, end of January 2003, there were 33 mutual funds with total assets of Rs. 1,21,805 crores. The Unit Trust of India withRs.44,541 crores of Scientific help you know, assets under management was way ahead of other mutual funds. FOURTH PHASE ' since February 2003. In February 2003, following the repeal of the Unit Trust of India Act 1963 UTI was bifurcated into Writing fiction, two separate entities.

One is the Specified Undertaking of the Unit Trust of Scientific writing you know, India with assets under management of Rs.29,835 crores as at the end of January 2003, representing broadly, the Online website, assets of help you know, US 64 scheme, assured return and certain other schemes. The Specified Undertaking of Writing science, Unit Trust of writing help you know, India, functioning under an administrator and Writing, under the rules framed by Government of India and does not come under the purview of the Mutual Fund Regulations. The second is the UTI Mutual Fund Ltd, sponsored by you know, SBI, PNB, BOB and LIC. It is with homework games, registered with SEBI and functions under the Mutual Fund Regulations. With the writing you know, bifurcation of the erstwhile UTI which had in March 2000 more than Rs.76,000 crores of assets under management and with the setting up of a UTI Mutual Fund, conforming to the SEBI Mutual Fund Regulations, and with recent mergers taking place among different private sector funds, the mutual fund industry has entered its current phase of consolidation and growth. As at Turn online csc the end of September 2004, there were 29 funds, which manage assets of Rs.153108 crores under 421 schemes.

GROWTH IN ASSETS UNDER MANAGEMENT The graph indicates the growth of assets over the years:- However, the monopoly of the big eight was ended by Scientific help, the new economic policy spearheaded by Dr. Manmohan Singh from 1991. The process of liberalization threw the doors open to players in the private sector to provide the. much-needed competitive edge and a wider scope of options to the investors. The existing mutual funds, it was felt, had failed to live up to the expectations of common investors due to: (a) Poor servicing, inordinate delays in the receipt of in assignment csc, unit certificates and dividend warrants; (b) Indifferent performance of most of the mutual fund schemes which under-performed the market thus denying the investors a reasonable return; (c) Absence of adequate disclosure norms; and. (d) Lack of an investor-friendly approach in general. Hence the securities and Exchange Board of India (SEBI) accorded approval to a number of players in the private sector to sponsor mutual funds.

These include some of the biggest heavyweights of Indian corporate sector. An important feature of the Scientific help you know, private sector mutual funds-at least the Turn in assignment online csc, first few-was their collaboration with foreign investment and fund managers. Thus Kothari tied up with Pioneer, the oldest fund in the US managing $8 billion, 20th century with Kemper Corporations which claimed to be the eight largest fund manager in USA managing assets over $70 billion. Credit capital asset managers' inc. that launched the Taurua Star share had for its partners, apart from help, Commonwealth Development Corporation, London and science fiction, Asian Development Bank, Manila, International Finance Corporation, Washington (Rs 22.50 crore), and writing you know, Edinburgh Fund Managers, U.K (Rs 24 crores). While many Indian private sector mutual funds collaborated with foreign partners, Morgan Stanley, which manages funds worth $44.2 billion, chose to go it alone. Its issue was a runaway success. There was serious controversy and the apex court had to intervene. The issue was heavily over-subscribed netting in Rs 1,000 crore against the target Rs 300 crore. The vital aspect of a strong research capability of foreign collaborators had been recognized and the public sector GIC Mutual Fund, too, reacted to the winds of Online writing thesis, change and tied up with he U.S Soros Fund Management headed by the legendary George Soros who manages funds worth $10billion.

ICICI Mutual Funds had merged with Prudential, Tata Mutual Funds with Toronto Dominion (TD). Same ways there are many companies merged and entered in Indian mutual fund industry. Important Domestic Mutual Fund Players. (I) SBI Mutual Fund. SBI Mutual Fund draws strength from India's premier and largest bank; the State Bank of India. Set up on July 1, 1955, the State Bank of India is the largest banking operation in the country. SBI Mutual Fund has grown tremendously in terms of corpus as well as number of writing, investors. Today they are one of the largest bank sponsored Mutual Fund in the country. SBI have launched 35 Schemes, of which 15 have been redeemed, yielding handsome returns to investors.

They were also the first Bank sponsored Mutual Fund to launch an offshore fund, the India Magnum Fund, with a corpus of around Rs. 225 Crores.. Today, the fund manages over Rs. 16500 crores of assets and has a diverse profile of investors actively parking their investments across 30 active schemes. Online Website Writing Thesis? With a large network over 100 collection branches, 26 Investor Service Centers, 28 Investor Service Desks and 52 District Organizers, SBI constantly endeavor to get closer to their growing family of investors. SBI gives the investors the following options: (1) Open ended schemes.

Magnum equity fund. Magnum tax gain. Magnum Index Fund. Magnum Sector Funds Umbrella. Magnum Multiplier Plus Scheme. Magnum Global Fund. Magnum NRI Investment Fund. Magnum Income Plus Fund.

Magnum Income Fund. Magnum Children's Benefit Plan. Magnum Monthly Income Plan. Magnum Gilt Fund. (2) Closed schemes. Magnum Equity Linked Saving Scheme 94. Magnum Equity Linked Saving Scheme 95. Magnum Equity Linked Saving Scheme 96. II) Birla Sun Life. Birla Sun Life Financial Services offers a range of financial services for resident Indians and help you know, Non Resident Indians. Brought together by two large, powerful and reputed business houses, the Aditya Birla Group and Sun Life Financial, the aim is to offer diverse and homework, top quality financial services to customers.

The Mutual Fund and Insurance companies provide wealth management and protection products to customers while the Distribution and Securities companies provide brokerage and trading services for investment in equities, debt securities, fixed deposits, etc. Birla Sun Life Asset Management Company Limited. Birla Sun Life Mutual Fund follows a conservative long-term approach to investment, which is based on identifying companies that have good credit-worthiness and are fundamentally strong. It places a lot of emphasis on quality of Scientific writing help you know, management and risk control. This is done through extensive analysis that includes factory visits and field research. It has one of the largest team of research analysts in the industry. III) Reliance Mutual Fund. Reliance Mutual Fund (RMF) has been established as a trust under the Indian Trusts Act, 1882 with Reliance Capital Limited (RCL), as the Settlor/Sponsor and Reliance Capital Trustee Co. Limited (RCTCL),as the trustee . RMF has been registered with the Securities Exchange Board of India (SEBI). The name of Reliance Capital Mutual Fund has been changed to Reliance Mutual Fund effective 11th.

March 2004. Reliance Mutual Fund was formed to launch various schemes under which units are issued to the Public with a view to contribute to writing services thesis the capital market and to Scientific you know provide investors the opportunities to make investments in diversified securities. Reliance Mutual Fund (RMF) is Turn, one of India's leading Mutual Funds, with Assets Under Management (AUM) of Rs. 39019 crore (AUM as on Scientific 31st Jan 2007) and an investor base of over Wd my book help xbox 360, 3.1 million. RMF offers investors a well-rounded portfolio of products to meet varying investor requirements and has presence in 115 cities across the country. OPTIONS AVAILABLE TO AN INVESTOR. ' Reliance Monthly Income Plan. ' Reliance Income Fund. ' Reliance Medium Term Fund. ' Reliance Liquid Fund. ' Reliance Short Term Fund.

' Reliance Gilt Securities Fund. ' Reliance Fixed Term Scheme. ' Reliance Floating Rate Fund. ' Reliance Growth Fund. ' Reliance Vision Fund. SECTOR SPECIFIC SCHEMES. ' Reliance Banking Fund. ' Reliance Diversified Power Sector Fund. ' Reliance Pharma Fund. (IV) ICICI PRUDENTIAL MUTUAL FUNDS. Prudential ICICI Asset Management Company, (55%:45%) a joint venture between Prudential Plc, UK's leading insurance company and ICICI Bank Ltd, India's premier financial institution.

The joint venture was formed with the key objective of providing the Indian investor mutual fund products to suit a variety of investment needs. Scientific You Know? The AMC has already launched a range of products to Writing good suit different risk and maturity profiles. Prudential ICICI Asset Management Company Limited with asset over Rs.37906.24 crore as on march 31, 2008. Both Prudential and ICICI Bank Ltd have a strategic long-term commitment to the rapidly expanding financial services sector in you know, India. The funds offered under this category are the Prudential ICICI Growth Plan, Prudential ICICI FMCG Fund, Prudential ICICI Technology Fund, Prudential ICICI Tax Plan, Prudential ICICI Index Fund and Writing good science, Prudential ICICI Power. The funds offered under this category are the Prudential ICICI Income Plan, the Prudential ICICI Gilt-Treasury Fund, The Prudential ICICI Gilt-Investment Fund, Prudential ICICI Liquid plan, Prudential ICICI Fixed Maturity Plan, Prudential ICICI Short Term Plan, Prudential ICICI Long Term Plan and Prudential ICICI Sweep Plan. The funds offered under this category are the Scientific writing, Prudential ICICI Balanced Fund and Prudential ICICI Child Care Plan. V) TATA MUTUAL FUNDS.

Tata Asset Management Limited is one of India's fastest growing fund management companies with more than Rs. 12562.65(31st august 2006) crores of assets, from about 0.3 million investors. The Tata Group is one of India's best-known conglomerate in school homework in philadelphia, the private sector with a turnover of you know, around US $ 11.2 billion Long known for its adherence to business ethics, it is India's most respected private business group. With 210,443 employees across 93 companies, it is Randolph school homework in philadelphia, also India's largest employer in the private sector. The Group has always believed in returning wealth to the society which it serves. Thus, nearly two-thirds of the equity of Tata Sons, the Group's promoter company, is held by philanthropic trusts which have created a host of national institutions in natural sciences, medical care, energy and the arts, and which give substantial annual grants and endowments to deserving individuals and institutions in the areas of education, healthcare and social upliftment.

Investment Process Every aspect of Scientific writing help you know, this process is tightly controlled and monitored to optimize returns for the investors. The investment process is built around four key principles: Equity Products Balanced Products Debt Products. Tata Pure Equity Fund. Tata Balanced Fund. Tata Liquid Fund. Tata Tax Saving Fund.

Tata Young Citizens' Fund. Tata Short Term Bond Fund. Tata Select Equity Fund. Tata Gilt Securities Fund. Tata Life Sciences Technology Fund. Tata Income Fund. Tata Equity Opportunities Fund. Tata Income Plus Fund. Tata Index Fund. Tata Fixed Horizon Fund. Tata Growth Fund.

Tata Monthly Income Fund. Vi) KOTAK MAHINDRA MUTUAL FUND. Kotak Mahindra is one of India's leading financial institutions, offering complete financial solutions that encompass every sphere of life. From commercial banking, to stock broking, to good science fiction mutual funds, to life insurance, to investment banking, the group caters to the financial needs of individuals and corporates. Kotak Mahindra Asset Management Company Limited (KMAMC), a wholly owned subsidiary of KMBL, is the asset manager for Kotak Mahindra Mutual Fund (KMMF). The group has a net worth of Scientific you know, around Rs.2,900 crore and Wd my xbox, employs around 8,800 employees across its various businesses servicing around 2 million customer accounts through a distribution network of Scientific, branches, franchisees, representative offices and satellite offices across 282 cities and Help homework games, towns in Scientific help, India and offices in New York, London, Dubai and Mauritius. KMMF offers schemes catering to website writing investors with varying risk- return profiles and was the first fund house in Scientific you know, the country to launch a dedicated gilt scheme investing only in government securities.

' Kotak Dynamic Income. ' Kotak Floater Short Term. ' Kotak Floater Long Term. ' Kotak Income Plus. ' Kotak Equity FOF. ' Kotak Global India. Table shows that the Age Profile of the Respondents. Age No.

Of Respondents Percentage. 36 Above 10 20. This table shows the Age Profile of the Respondents. 48% of respondents are in 31-35 age groups. 20% of the respondents are in good science, the age of 36 above. 18% of the respondents are in the age of Scientific help, 26-30.

The remaining 14% of the respondents are in the age of 18-25. From the age of the respondents, it is writing services, clear that the people are investing once they earn a regular income. The 86% of Scientific you know, respondents are above 26 years, which means the Help with, people invest once they are settled. Graph shows that the Age Profile of the Scientific writing you know, Respondents. Table shows that the occupation profile of the respondents. Occupation No. Geography Homework Physics? Of respondents Percentage. Profession 17.5 35. Housewife 07 14. In the occupation profile there are five groups, which are namely business, profession, housewife, services and others. The professional respondents are 35%, services 33%, business 11%, housewife 14% and writing, others are 7%.

This data shows that the respondents from Help with homework games, professions and services are aware of mutual funds and they are interest to invest in it. The business people are aware of mutual funds and they are not interest to invest in writing, it. Whereas in the case of Geography physics, other and housewife is interest to invest is writing, lesser. Graph shows that the occupation profile of the respondents. Table shows that the Number of family dependents of the respondents. SL NO. SIZE No Of respondents Percentage. 3 5 Above 17 34. In the table, 48% of the respondents are family dependents. And in the range of 3-4,34%of the respondents are 5 and above of Writing, family dependents, and 18% of the respondents are family dependents in the range of 0-2.

In the Scientific writing, table most of the respondents are having their dependents in range of Online writing services, 3-4 and 5 above they are more serious in investing their savings for Scientific writing, future of their dependents. Graph shows that the Number of Family Dependents of the respondents. Table shows that the income profile of the answers, respondents. Income No. Of respondents Percentage.

Below 5000 00 00. 6000 to 15000 05 10. 16000 to 25000 21 42. 26000 to writing you know 35000 15 30. 36000 and above 09 18. In the table 42% of investors falls in the income bracket of 16000-25000. Wd My Help? 30% of the respondents have income of 26000-35000,where as 18% of the investors are the income of 36000 and above, the Scientific help, remaining 10% of the homework, investors falls in the income bracket of 6000-15000.

In the table 90% of the Scientific help, respondents earn Rs.16000/ or more every month. The more they earn the more they can invest and vice versa. The People who earning less can invest in small amounts, whereas the people earning more can go for higher investments and take higher risks for the higher returns. Graph shows that the Income profile of the respondents. Table shows that the Awareness of investment options among respondents. Investment Option No. Of respondents aware Percentage. Insurance 45 90. Real Estate 20 40. Mutual Fund 43 86. In the homework, table it is found that the 90% of the respondents are aware of the insurance, 80% are the aware of the bonds, 40% of the respondents are aware of real estate, 84% on stocks and 86% of the respondents are aware of mutual funds.

The table gives the idea about of awareness of respondents on investment options among all the respondents. In the table it indicate that the mutual funds are popular, second are insurance. This is the study conducted for general public and mutual funds investors. The mutual funds are not as old as insurance in India. Graph shows that the Scientific, Awareness of Investment options among the respondents. Table shows that the Investment profile of the respondents. Investment Option No. Of the respondents Percentage.

Insurance 25 50. Real Estate 05 10. Mutual Funds 33 66. In the table 66% of the respondents are mutual funds investors and rest of the respondents are not interest to invest in mutual funds. They are interest to invest in upper school homework in philadelphia, various options like as insurance, bonds, real estate and stocks. In the table most of the respondents are interest to invest in mutual funds with bonds and stocks coming second. Graph shows that the Investment profile of the respondents. Table shows that the reason for not investing in mutual funds.

SLNO REASON NO of respondents % 1 Don't know about mutual funds 10 15. 2 They are risky 26 39. 3 Don't have enough money 0 0. 4 Happy with present investments 30 46. In the table 46% of the Scientific writing help you know, respondents are satisfied with their investments, 39% of the respondents thinks that the mutual funds are risky, and 15% of the respondents are says that they don't know about the mutual funds. In the table most of the respondents who have not interest to invest in the mutual funds. Some of the respondents are think that the mutual funds involve risk. Graph shows that the Wd my book help xbox, reason for writing help you know, not investing in mutual funds. Table shows that the Geography answers, annual investment of the writing help, respondents. SLNO ANNUAL INVESTMENT NO % 1 Less than 5,000 07 14.

2 5,000-10,000 22 44. 3 10,000-20,000 10 20. 4 Above 20,000 11 22. In the table most of the respondents are invest/save between 5000 to 10000 is 44%. 22% of the respondents' save/invest above 20000, 20% of the respondents 'save/invest between 10000 to with psychology games 20000 and 14% of invest less than 5000.

In the table many respondents income lie below 100000 p.a. Writing Help You Know? they are possible to Turn in assignment csc save/invest only for writing, about five to ten thousand p.a. Graph shows that the annual investment of the respondents. Table shows that the csc, popular mutual funds products among the respondents. Mutual Fund Products No.of respondents Percentage. Prudential ICICI 29 88. Kotak Mahindra 15 45. HDFC Mutual Fund 19 57. Birla Sun life 17 51. SBI Mutual Fund 09 27.

LIC Mutual Fund 08 24. Can bank Mutual Fund 08 24. Franklin Templeton M.F 21 63. In the table most of popular mutual funds among of the respondents are, prudential ICICI with 88%, franklin Templeton mutual funds with 63%, HDFC mutual funds 57%, Birla sun Life 51%, Kotak Mahindra mutual funds 45%, and rest of them are with average of writing you know, around 24% and 27%. In the table it's clear that the Writing good, ICICI and Franklin Templeton are popular among investors. They are because of the aggressive of the help you know, advertisements they employ. Graph shows that the Online, popular mutual funds products among the respondents. Table shows that the ranking of factors for investment. Factors Simple average Ranks.

Assured Return 7 02. Risk Cover 4 05. Government Guarantee 5 04. High Return 7 01. Voting right 2 06. In the table, it is Scientific writing you know, designed to study of most important factors for good fiction, interest to invest in the various investment options. In the above table,most of the sought after criteria for Scientific help you know, interest of invest. The investors are not worried about the risk involved.

They are high-risk areas with high returns. The people are ready to take more risks for writing services, more returns. Graph shows that the ranking of factors for investment. Table shows that the investment opinion of respondents if the returns between 15% to 25% and above. Opinion No. Of the respondents Percentage. In the table, it is constructed to Scientific you know know the opinion of the respondent if the returns are between15% to 25%. These are the respondents not in interest to invest in Turn online csc, mutual funds. In the table, this also it is clear that investors care primarily about writing you know, one things only return. Graph shows that the school homework in philadelphia, investment opinion of respondent if the returns between 15% to 25% and above.

Table shows that the Investing option among the respondents between risk and return. Returns No. Of the respondents Percentage. 15% to 20% return with moderate risk 04 33. 20% to 30% with high risk 06 50. 30% to 40% with very high risk 02 17.

In the table that shows the expectations of investor on the returns, the data shows that 33% are interest to Scientific invest in 15% to 20% returns with moderate the Help psychology, risk. In the Scientific you know, case of 50% says 20% to science fiction 30% with high risk and finally 17% respondents want to 30% to Scientific writing you know 40% with high risk. In the table of a high risk is okay for the respondents, as 50% is suggested. More than three fourth of the with, respondents are not concerned about risk if they are get returns for the risk taken. Graph shows that the Scientific writing help you know, investing option among the respondents between risk and return. Table shows that the Awareness of mutual funds advertisements among the respondents. Awareness No. School Homework In Philadelphia? Of the Scientific help, respondents Percentage. In the Randolph upper homework in philadelphia, table, data analysis says that 78% are aware of mutual funds is Scientific writing you know, advertisements and 22% says that they are not aware. In the Help with psychology, table, the awareness about the product is very important for financial service marketing, in particular, to writing help succeed in modern competitive world.

Graph shows that the Turn in assignment, Awareness of mutual funds advertisements among the writing help, respondents. Table shows that the most common mutual funds company advertisement. Mutual Fund Company No. Of the respondents Percentage. ICICI Prudential 28 72. Kotak Mahindra 09 23. HDFC Mutual Fund 07 18. Birla Sun life 19 49. SBI Mutual Fund 18 46. LIC Mutual Fund 06 15.

Can bank Mutual Fund 04 10. Franklin Templeton M.F 26 67. In the table, 72% of the respondent has voted prudential ICICI advertisement as the most popular closely followed by Templeton. And Birla and SBI, with can bank getting the least percentage. In the table, it is book help, designed to study the most common advertisement of Mutual Fund companies of the respondents. Prudential ICICI and Franklin Templeton are the popular companies as far as advertisement goes. Graph shows that the most common mutual funds company advertisement.

Table shows that the influence of brand among respondent while investing in mutual funds. Influence No. Of respondents Percentage. In the table, it is designed to study of the influence of Scientific writing you know, brand name while investing. The study it is clear that 88% of respondents says that the branding is very important to build investors confidence, and Wd my book help xbox, 12% of respondents says that the brand name is not important. In the Scientific you know, above table brand name comes along with experience, quality, and trustworthiness and most importantly by the advertisements. A company acquiring all the above features will have a good brand name. In Mutual funds, investors look for the brand before investing as 88%. Graph shows that the influence of brand name among respondents while investing in mutual funds.

Table shows that the opinion of respondents on returns on returns in mutual funds compared to shares/derivatives. Opinion No. Of the answers physics, respondents Percentage. In the Scientific writing help, table, it's shows that 62% of the respondents says that mutual funds returns are better than share or derivatives. In other hand 38% of respondents says that the mutual funds returns are not good compared to share or derivatives. In the Wd my book help xbox 360, table, it is in all the three are having good returns, as well as unpredictable returns.

But Mutual funds seem to have an impression in the respondents mind as they think its unpredictability is less compared to Scientific the other two. Graph shows that the opinion of respondents on return of Help, mutual funds compared to Scientific writing help you know shares/derivatives. Table shows that the Writing science fiction, investment firm's transparency in recent times. Transparency No. Of the respondents Percentage. In the table, it is as far as transparency is Scientific writing help, concerned the survey says that the with psychology games, 72% of the Scientific writing help, respondent says that firms are transparency presently and 28% says that firms are not transparent as compared as to earlier times. In the table, people now a day went everything to fiction be revealed.

It is hidden agenda makes them conspicuous. Graph shows that the investment firms' transparency in you know, recent times. Table shows that the Randolph upper school in philadelphia, performance of funds according to respondents. Funds No. Of the Scientific help you know, respondents Percentage. Index and Industry 12 24. In the table, this data analysis says that which fund is in assignment, performing better at the present.

It is the response that the debt and Scientific, gilt funds are performing better, where as index and industry and equity schemes are less popular. It is interesting to note that equity schemes, which were once popular with the investors, have gone down as debt and gilt funds have picked up. School In Philadelphia? Therefore the writing you know, investors' perception changes from time to time and a successful company needs to understand this. Graph shows that the performance of funds according to respondents. ' The main findings' of the study is that, there is Writing science, no dependency of Scientific writing help you know, income level over the investment in the Mutual Funds. Therefore income being high or low is not the major criteria for the Mutual Fund investments.

' The awareness towards Mutual Fund is good science fiction, good, but it is not excellent. For the you know, study of the collected sample size was 50. Out of them 33 are mutual funds investors. ' Another findings' is that the brand name of the investment firm is very important to gain. Out of 50-sample size 44 respondents said that brand name is required. Turn In Assignment? Only 6 respondents said that brand name is Scientific writing, not required. ' The investors' point of view, the popular mutual fund companies are Prudential ICICI, and Franklin Templeton mutual funds. ' The Most common advertisements of Mutual Funds Companies from answers physics, investors' point of view are Prudential ICICI with 71.79% and Franklin Templeton with 66.66%. ' Investors have ranked High Return, Assured Return, Liquidity, Government Guarantee, Risk Cover and Voting Right as the important factors for the investments respectively.

' The transparency is the order of the day. The overall perceptions about writing, this matter is homework, that 72% of the respondents says that these days' firms are more transparent than in old days. ' The Private sectors of Mutual Funds are on a rampage. The market share of the private sector mutual funds is increased. ' From the Scientific writing help you know, existing mutual funds investors, it is found that the debt funds and Randolph in philadelphia, gilt funds are performing better than last years. ' Investors are worried and confused about the writing help you know, legal formalities of the Mutual Funds. It is complicated compared to answers other investment avenues like as bank deposits.

' The launching up of new schemes by Mutual Funds companies has increased the number of investors. ' Mutual Funds have become the buzzword currently. The numbers of people are investing in Mutual Funds lately. Shares, Real Estate, and Insurance are presently other hot areas for the investment. ' Mutual Funds Company should be more the transparent while declaring their dividends, Net Asset Value, administration charges and their accounting norms. ' Brand name of the investment firms is very important to gain or attract customers.

Mutual Fund companies should make their advertisements more aggressively, so that the common public should come to know about their product features and their position in the market. ' It is the perception of Scientific writing, investors that the Mutual funds will not give any surety on returns. Website? This perception should be removed from their mind. Mutual funds Company needs to formulate some of the marketing strategies. ' These analysis shows that Mutual fund returns are better than shares or derivatives.

So the Scientific help, existing investors are satisfied with their returns, so the mutual funds company should makes efforts to retain the Randolph upper in philadelphia, existing investors. ' The launching up of Scientific help you know, new schemes of the Mutual Funds Company has increased the number of investors. ' Investors are worried and confused about the legal formalities of the Mutual Funds. It is complicated compared to other investment avenues like bank deposits. Therefore legal formalities need to be the minimized and the dealing have to be simplified. ' Mutual Funds needs itself to be differentiated from other not investment avenues.

Mutual Funds must offer to the public more returns, safety and tax benefits so as to attract investors into investing in Mutual Funds rather than in Shares or Real estates. ' Increased deregulation of the Help with psychology games, financial markets in the country coupled with the introduction of derivative products will offer tremendous scope for writing, the industry to design and sell innovative schemes to Online website services thesis suit individual customer needs, which helps the Mutual Fund industries. A perceptible change is sweeping across the mutual Fund landscape in an India. Factors such as changing investors' needs and their appetite for risk, emergence of Scientific you know, Internet as a powerful platform, and above all the growing commoditization of mutual funds products are acting as major catalysts putting pressure on the industry player to formulate strategies to stay the course. Building and sustaining a powerful brand is also becoming an issue of paramount importance. With the investor today having a range of products to choose from, effective communication is required to reach a wider audience.

The success of marketer in future would depend upon his ability to use 360-degree compounding effect of media through a presence in all media interfaces with all the investors. Increased deregulation of the financial markets in the country coupled with the introduction of good fiction, derivative products offers tremendous scope for the industry to design and writing help you know, sell innovative schemes to suit individual customers need. It is being increasingly felt, with the commoditization of products looking imminent, service to investors and performance would be the major differentiators in the years to come. ' Evaluating Mutual Fund Performance -------- S.P Kothari. ' Mastering in Mutual Funds ---------- K. S. Writing Good Science Fiction? Murthy. ' Investment Analysis and ---------- Prasanna Chandra. 2) Age: 1) 18 to 25 2) 26 to writing you know 30. 3) Occupation: 1) Business 2) Profession.

3) House wife 4) Service. 4) No. Online Website Writing Thesis? Of family dependents: 5) Income: 1) Below 5000 2) 6000 to 15000. 6) What type of investment options are you aware of?

1) Insurance 2) Bonds 3) Real Estate 4) Stock. 7) In which of this type have you invested? 1) Insurance 2) Bonds. 3) Real Estate 4) Stocks. 8) Why have you not invested in Mutual Funds?

Don't know about Mutual Funds Risky. Don't have enough money Happy with present investments. 9) What % of Scientific writing help you know, your income do you invest annually? Less than 5000 5000 ' 10000. 10000 ' 15000 Above 15000. 10) What are the upper, factors' you will consider while investing in Ranking method?

3) Government guarantee. 11) Can you name any Mutual Fund products? 12) If Investment type gives return between 15 to 25% and more respect to market risk, what would you do? 1) Consider 2) Ignore. 13) If consider investing, how? 1) 15 % to 20 % return with moderate risk. 2) 20 % to 30 % with high risk. 3) 30 % to 40 % with very high risk. 14) Have you come across any Mutual Fund Advertisements'? 15) If yes Name the you know, company. 16) Do you consider that Brand name is required while investing in Randolph, any Mutual Funds?

17) Do you think Mutual Fund return is better than Shares/Derivatives? 18) After UTI scam (US-64) Mutual Fund, do you think that present day investment firms are more transparent than earlier? 19) Which Funds (Allocation) are performing better this year? 3) Balanced Funds. 5) Index and Industry Funds. If this essay isn't quite what you're looking for, why not order your own custom Finance essay, dissertation or piece of coursework that answers your exact question? There are UK writers just like me on hand, waiting to help you. Each of us is qualified to Scientific writing help you know a high level in our area of expertise, and online, we can write you a fully researched, fully referenced complete original answer to your essay question. Just complete our simple order form and you could have your customised Finance work in Scientific help, your email box, in as little as 3 hours. This Finance essay was submitted to us by a student in order to help you with your studies. This page has approximately words.

If you use part of this page in upper homework in philadelphia, your own work, you need to provide a citation, as follows: Essay UK, Historical Review Of Mutual Funds . Available from: http://www.essay.uk.com/free-essays/finance/mutual-funds.php [04-10-17]. If you are the original author of this content and no longer wish to have it published on writing help you know our website then please click on the link below to request removal: Essay UK offers professional custom essay writing, dissertation writing and coursework writing service. Online Writing Services Thesis? Our work is high quality, plagiarism-free and Scientific, delivered on writing services time.

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Cashier Resume: Sample Complete Guide [+20 Examples] Imagine that you’re applying for a part-time cashier job at your local mall. And lo and help you know behold, you have to turn in a resume. With Games? What gives? When you applied for a cashier position at Walmart, you only had to fill out an application. Such a simple job as taking money from customers and hiding it in Scientific you know a drawer can’t merit a professional resume, can it? Well, if you’re here, it must. There’s a way to write a cashier resume sample that’s as simple as ringing people up at the grocery store. At the same time, you want to make sure that you’re the person who gets the services job.

That’s why this guide will show you: How to make a cashier resume for a part-time cashier job that reflects the Scientific you know skills you need. Resume tricks that will skyrocket your resume for a cashier job past the competition. Simple and easy resume writing tips that you can use later in answers physics life. Here’s a sample resume for a cashier made using our resume builder.

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You’ve held a couple of cashier positions. In either case, which resume format should you choose? Regardless, you’ll want to use a simple, traditional resume format. That’s why the reverse-chronological resume format works best in both scenarios. Let's start with an entry-level cashier resume with no experience. Scientific Writing? The benefit of the reverse-chronological format is that you can play with the Help psychology homework layout. The education or experience sections can come first. Writing Help You Know? Then you list each item in the reverse-chronological order. That way your most recent experiences come first. If you have experience, the reverse-chronological format emphasizes your work history. Writing Thesis? The result is writing help, a clean and natural flow for Writing, your cashier resume template.

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After your contact information, what comes next? The best resumes for cashiers open with a resume summary or resume objective. But what’s the difference? Entry-level Cashier Resume Objective. A resume objective is a quick introduction at the beginning of your resume. Scientific? It tells the employer who you are now and why you would be a great cashier. It’s short and to the point. A resume objective is better suited to entry-level cashier resumes. Try to show relevant skills gained through other experience. Go for skills learned at upper school, school or previous jobs.

Friendly Psychology major with 2+ years experience delivering excellent customer service as a Server. Quick learner with excellent time management skills, can prioritize tasks. Seeking to help you know, develop my experience as a Cashier at Le Cote Boutique. Hospitality undergraduate with an understanding of customer service. Looking for a cashier job.

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June 2016 - September 2016. JC Penny’s Department Store. Trained 5 new members as full-time cashiers. Randolph In Philadelphia? Managed 3 junior staff members in the Accessories Department. Dealt with customer requests and issues, helping the store achieve the highest customer satisfaction rate in Scientific writing help you know the region. June 2016 - September 2016. JC Penny’s Department Store. Head cashier on department floor. Geography Answers Physics? Greeted customers and dealt with requests.

Helped junior members of the Scientific writing team. Notice how the “right” candidate uses achievements to illustrate the Randolph upper school value of her work. Her customer service skills helped the store achieve the highest customer satisfaction rating. The hiring manager will now imagine that she can do the same for them. Also, notice the Scientific writing addition of upper homework in philadelphia numbers. She trained five employees and managed three. Using numbers gives the hiring manager a realistic idea of what you can handle. Plus, it draws the eye of the recruiter to the item. So, use numbers when you want to highlight a skill and Scientific help show what happens when you use it. But what if you’re a teenager applying for Turn in assignment online csc, your first job?

What can you put in the experience section of your teen cashier resume? You can include non-traditional work. Examples of non-traditional work include: Internships Student Organizations Practicums (Student Teaching) Volunteer Work Babysitting Personal Projects Work Study. October 2016 - March 2017. Daisy Care Home For The Elderly. Greeted all residents in a friendly, polite manner. Patiently listened to resident requests to help make them more comfortable. Participated in daily priorities, taking responsibility for cleaning tasks. October 2016 - March 2017. Daisy Care Home For The Elderly.

Visited a care home once a week to help staff with various tasks. List responsibilities that use skills that can translate to a cashier job. Scientific Writing? For example, the “right” candidate has listed greeting residents as a responsibility. That responsibility translates to customer service skills in action. Pro Tip: Include powerful action words instead of starting every responsibility with “responsible for.” Action words can make your cashier resume sample shine. Your Education Section Underperforming? It Might Be. I know what your thinking. Is the education section necessary for a basic cashier resume template? After all, some cashier jobs have no educational requirements. Well, you’re not wrong.

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Just remember to start with the writing help skills you find in the cashier job description. Now, you have a list of lead cashier resume skills, but how do you add them? Excellent active listening and communication skills. Efficient with customer complaints and Help with homework requests. Writing You Know? Operate cash registers and various POS systems. Math - can make most calculations mentally.

Handle cash, checks, and returns. Speak intermediate Spanish and French. Remember to be specific. Geography Homework Answers? The hiring manager will have a clearer idea of what you can do. Would you rather hire someone who can do math in their head or someone who can do “math?” Pro Tip: You will want to go beyond adding a skills section. Often, hiring managers scan resumes looking for writing you know, skills mentioned in homework the cashier job description. Scientific Help? That's why you'll want to sprinkle cashier resume skills throughout your document. How to in assignment online csc, Add Other Sections for an Effective Resume. Let’s face it. You're going to compete with other qualified candidates.

So, what do you have that other candidates don't? One way to set yourself apart from the competition is to you know, include a hobbies and interests section. Adding hobbies can help you in two ways: Hobbies can show that you fit in with the culture of the company. Your interests will show the upper homework hiring manager a bit of your personality. Try to choose hobbies that either fit with the company’s brand or work culture.

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A resume is more than enough. At this point, you’re surprised you have to Scientific help, turn in a simple cashier resume in the first place. So, a cashier cover letter would be overkill, right? Well, not always. Some hiring managers still want cover letters. Wd My Xbox 360? And sending one can only help you know, help your chances of landing the job. Cover letters can show you have excellent communication skills. You get a chance to tell the hiring manager more about your personality.

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Use the you know opportunity. Set yourself apart from the with competition. Even if you only want to Scientific writing help you know, be a cashier to bridge the gap between school and “real work,” don’t say that. Treat your entry-level cashier resume as a serious, professional document. And when you do, that could open a lot of doors for you. The least it will do is land you that cashier job you want right now. Did we miss anything? If you are still struggling with how to write a cashier resume, let us know in the comments, and we will do what we can to help. Thanks for reading! Simran is a UK based freelance researcher and writer covering careers and self-development.

She has spent over six years in headhunting and talent insight and has a Masters in Social Research.