Financial services refer to services provided by the finance industry, such as banks, credit card companies, insurance companies, brokerages, and investment funds. There are two main types of financial services - fund or asset-based services, and fee-based services. Fund-based services involve raising funds through deposits, debt, or equity and investing those funds by lending or purchasing securities. These include services like leasing, housing finance, credit cards, venture capital, factoring, forfeiting, and bill discounting. Fee-based services involve earning income through fees, commissions, or brokerage on services like issue management, advisory, credit ratings, mutual funds, securitization, and stock broking.
This document contains lecture slides from a finance course. It discusses various topics related to investments including the investment environment, securities analysis, derivatives, mutual funds and other investment alternatives. It also provides an overview of the securities market and different types of markets. The key points are:
1) The syllabus covers topics like investment environment, securities analysis, derivatives, mutual funds and other investment concepts.
2) It introduces the securities market and its different segments like the equity, debt, derivatives and money markets.
3) The slides explain concepts like primary and secondary markets, stock exchanges, and their role in facilitating trading and bringing liquidity to securities.
Industry structure refers to the number and size of competitors in an industry. For example, the American airline industry originally had only one aircraft manufacturer, Boeing, but now faces intense competition from Airbus after it was established. An industry's life cycle consists of four normal stages: introduction, growth, maturity, and decline. Factors like competitors, customers, suppliers, new entrants, and substitutes influence industry structure over the course of an industry's life cycle stages.
This document discusses securitization and housing finance in India. It begins by defining securitization as the process of liquidating illiquid long-term assets like loans and receivables by issuing marketable securities against them. It then outlines the key parties and stages involved in securitization. Some benefits of securitization include additional funding, profitability, and risk spreading. Housing finance and the role of the National Housing Bank in promoting affordable housing are also summarized. Securitization has grown the Indian debt market and housing finance sector.
The document discusses the structure of the financial system. It describes how the financial system functions as an intermediary between savers and investors, channeling funds from areas of surplus to deficit. The financial system consists of individuals, institutions, markets, and instruments. It categorizes financial institutions as banking and non-banking, and classifies financial markets based on the type, maturity, and structure of financial claims traded. Financial instruments are used to raise capital and money market funds. Financial services facilitate financial transactions and the transformation of savings into investments.
Mutual funds pool money from investors and invest it in a portfolio of securities like stocks, bonds and money market instruments. The document provides an overview of mutual funds in India including their definition, benefits, types, risks, regulations and more. It discusses the key entities involved like SEBI, sponsors, trustees, asset management companies and more. It also summarizes the various guidelines and regulations around mutual funds as per SEBI.
This document provides an overview of leasing. It discusses the history and meaning of leasing, including definitions from experts. It outlines the steps in a typical leasing process and describes various types of leases. The advantages to lessors include assured regular income, preservation of ownership, tax benefits, and high profitability. Advantages to lessees are use of capital goods, tax benefits, cheaper financing, and technical assistance. Disadvantages are also presented, such as inflation risk for lessors and compulsory payments even if the asset is not needed for lessees. In summary, the document defines leasing, outlines the leasing process, and discusses the pros and cons from the perspectives of both lessors and les
The document defines key terms related to insurance pricing such as rate, exposure unit, pure premium, and loading. It describes the objectives of insurance pricing from both regulatory and business perspectives. The types of rating discussed include judgment rating, class rating, merit rating, schedule rating, experience rating, and retrospective rating. Class rating and two methods for determining class rates, pure premium and loss ratio, are explained in detail with examples. Merit rating adjusts class rates based on individual risk characteristics and loss experience.
Financial services refer to services provided by the finance industry, such as banks, credit card companies, insurance companies, brokerages, and investment funds. There are two main types of financial services - fund or asset-based services, and fee-based services. Fund-based services involve raising funds through deposits, debt, or equity and investing those funds by lending or purchasing securities. These include services like leasing, housing finance, credit cards, venture capital, factoring, forfeiting, and bill discounting. Fee-based services involve earning income through fees, commissions, or brokerage on services like issue management, advisory, credit ratings, mutual funds, securitization, and stock broking.
This document contains lecture slides from a finance course. It discusses various topics related to investments including the investment environment, securities analysis, derivatives, mutual funds and other investment alternatives. It also provides an overview of the securities market and different types of markets. The key points are:
1) The syllabus covers topics like investment environment, securities analysis, derivatives, mutual funds and other investment concepts.
2) It introduces the securities market and its different segments like the equity, debt, derivatives and money markets.
3) The slides explain concepts like primary and secondary markets, stock exchanges, and their role in facilitating trading and bringing liquidity to securities.
Industry structure refers to the number and size of competitors in an industry. For example, the American airline industry originally had only one aircraft manufacturer, Boeing, but now faces intense competition from Airbus after it was established. An industry's life cycle consists of four normal stages: introduction, growth, maturity, and decline. Factors like competitors, customers, suppliers, new entrants, and substitutes influence industry structure over the course of an industry's life cycle stages.
This document discusses securitization and housing finance in India. It begins by defining securitization as the process of liquidating illiquid long-term assets like loans and receivables by issuing marketable securities against them. It then outlines the key parties and stages involved in securitization. Some benefits of securitization include additional funding, profitability, and risk spreading. Housing finance and the role of the National Housing Bank in promoting affordable housing are also summarized. Securitization has grown the Indian debt market and housing finance sector.
The document discusses the structure of the financial system. It describes how the financial system functions as an intermediary between savers and investors, channeling funds from areas of surplus to deficit. The financial system consists of individuals, institutions, markets, and instruments. It categorizes financial institutions as banking and non-banking, and classifies financial markets based on the type, maturity, and structure of financial claims traded. Financial instruments are used to raise capital and money market funds. Financial services facilitate financial transactions and the transformation of savings into investments.
Mutual funds pool money from investors and invest it in a portfolio of securities like stocks, bonds and money market instruments. The document provides an overview of mutual funds in India including their definition, benefits, types, risks, regulations and more. It discusses the key entities involved like SEBI, sponsors, trustees, asset management companies and more. It also summarizes the various guidelines and regulations around mutual funds as per SEBI.
This document provides an overview of leasing. It discusses the history and meaning of leasing, including definitions from experts. It outlines the steps in a typical leasing process and describes various types of leases. The advantages to lessors include assured regular income, preservation of ownership, tax benefits, and high profitability. Advantages to lessees are use of capital goods, tax benefits, cheaper financing, and technical assistance. Disadvantages are also presented, such as inflation risk for lessors and compulsory payments even if the asset is not needed for lessees. In summary, the document defines leasing, outlines the leasing process, and discusses the pros and cons from the perspectives of both lessors and les
The document defines key terms related to insurance pricing such as rate, exposure unit, pure premium, and loading. It describes the objectives of insurance pricing from both regulatory and business perspectives. The types of rating discussed include judgment rating, class rating, merit rating, schedule rating, experience rating, and retrospective rating. Class rating and two methods for determining class rates, pure premium and loss ratio, are explained in detail with examples. Merit rating adjusts class rates based on individual risk characteristics and loss experience.
SEBI (Securities and Exchange Board of India) is India's securities market regulator that was established in 1988 to protect investors, develop and regulate the securities market. SEBI is headed by a board and has various departments that work to achieve its objectives of regulating market intermediaries, promoting investor education, and enforcing prohibitions on unfair trading practices. SEBI also works to facilitate investor grievance redressal and promote an efficient, fair and transparent securities market in India.
This document discusses credit ratings and the credit rating agencies in India. It provides information on:
- What credit ratings are and how they estimate creditworthiness
- The four major credit rating agencies in India: CRISIL, ICRA, CARE, and FITCH India
- The regulation of credit rating agencies by SEBI and the requirements for registration
The document outlines the objectives of investment in Sudan which include promoting investment projects that contribute to national development plans and increasing income, expanding the economy, and strengthening economic activity. Additional objectives are to help remove development bottlenecks, provide socio-economic services, rely on local materials, achieve self-sufficiency and exports, strengthen the balance of payments, create employment for nationals, enable economic cooperation with neighbors, reduce poverty and protect the environment, and ensure sustainable use of natural resources.
noorulhadi Lecturer at Govt College of Management Sciences, noorulhadi99@yahoo.com
i have prepared these slides and still using in mylectures, Reference: Portfolio management by S kevin and online sources
The Capital Asset Pricing Model (CAPM) uses beta to measure the non-diversifiable risk of a security and determine its expected return. CAPM assumes investors want to maximize returns and only consider systematic risk. It models expected return as the risk-free rate plus a risk premium based on the security's beta. The Security Market Line graphs this relationship between beta and expected return. Some researchers like Fama and French have expanded CAPM with additional size and value factors.
This document discusses various concepts related to taxation including tax planning, tax avoidance, tax evasion, and tax management. It provides definitions and examples of each concept. Tax planning is legal and involves arranging finances to maximize tax benefits. Tax avoidance finds loopholes in laws but remains legal. Tax evasion is illegal and involves falsifying records or accounts. The document also discusses factors to consider for tax planning like residential status and provides examples of tax planning decisions around capital structure, leasing vs buying assets, and employee compensation.
The document discusses tax planning considerations for owning or leasing assets, repairing vs replacing assets, decisions to make or buy products, and tax provisions related to shutting down a business. It provides guidance on comparing the present value of cash outflows for owning vs leasing, when it is preferable to lease vs own, and how to treat the sale of former research assets. It also outlines tax treatments and deductions allowed for repairs, and considerations for shut down like set-off of losses and depreciation.
The Securities and Exchange Board of India (SEBI) was established in 1988 as an interim administration body and given statutory powers in 1992 through the SEBI Act. SEBI is chaired by C B Bhave and is responsible for regulating the securities market and protecting investors. SEBI's objectives include regulating stock exchanges, controlling insider trading, and protecting investors. It undertakes regulatory functions like registering intermediaries and developmental functions like investor education. SEBI has guidelines for primary and secondary markets and regulates foreign institutional investors. It faces challenges from cross-border trading and demanding investors.
The document discusses corporate risk management. It begins by listing the names of students in Group 8 and providing an introduction to risk management. It then defines risk and classifies risk into systematic and unsystematic types. Next, it defines corporate risk management as identifying, qualifying, and managing risks faced by an organization. It discusses establishing the proper context for risk management and identifies key issues like probability, severity, and strategies to manage risk. Finally, it outlines types of corporate risk like market, credit, and operational, and discusses options for managing risk as well as consequences of failing to manage risks.
Financial engineering involves the design and implementation of innovative financial products and processes. It deals with creating new financial instruments or repackaging existing ones. Some examples of financial engineering in India include debt-oriented mutual funds, interest rate futures, and floating rate bonds. Financial engineering can be applied to equity, debt, hybrid instruments, and derivatives. It is used by investment banks and for purposes like risk management, valuation, and portfolio management. The field needs further development to provide more choices for investors and corporations to improve financial efficiency and solutions.
The document discusses portfolio management and asset allocation strategies. It defines a portfolio as a collection of investments that can include stocks, mutual funds, bonds, and cash. It then describes different types of portfolios including a market portfolio and a zero investment portfolio. The main phases of portfolio management are outlined as security analysis, portfolio analysis, portfolio selection, portfolio revision, and portfolio evaluation. Asset allocation strategies focus on establishing an appropriate mix of asset classes in a portfolio to optimize risk and return based on an investor's goals.
The document defines investment and discusses it from several perspectives. It is generally defined as applying money to earn more money in the future. In finance, investment refers to purchasing a financial product or asset to earn future returns. In business, it means purchasing physical goods like equipment to improve future operations. Economics views investment as utilizing resources today to increase income or output tomorrow. Real investments purchase physical capital while financial investments purchase contracts. The key aspects of investment discussed are risk, return, time horizon, liquidity, and types of financial assets.
This document provides an overview of securitization of debt. It defines securitization as the conversion of future cash flows from financial assets like loans into tradable securities that can be sold in the market. This process allows lenders to raise funds. A special purpose vehicle (SPV) is used as an intermediary between the originator of assets and investors. The SPV issues different types of securities backed by assets like mortgages (MBS), consumer debt (ABS), and corporate debt (CDO). The document discusses the key features and types of securitizable assets in securitization.
This document discusses investment decision making. It defines investment and outlines the objectives of studying portfolio management and capital markets. It explains that investment decision making involves understanding different decision rules, categories of rules, and ensuring expected returns. The decision process involves characterizing good rules, calculating returns based on constraints, eliminating alternatives, and using rules to accept or reject opportunities. Good rules maintain a balance between analysis and subjectivity while maximizing value and minimizing risk across various investments. Common categories of rules are accounting income-based and cash flow-based.
This document discusses investment management. It defines investment as committing funds with an expectation of positive return. The two main forms of investment are real investments in assets like land and machinery, and financial investments in contracts. Investment management aims to meet clients' investment goals through activities like asset allocation, portfolio strategy, and monitoring holdings. It also coordinates investments with other financial planning. Risk and return are important considerations in investment decisions, as there is generally a tradeoff between higher risk and higher potential returns.
Non-banking financial companies (NBFCs) are financial institutions that provide banking services without meeting the legal definition of a bank. This document provides an overview of NBFCs in India, including their history, regulations, types, and roles. It defines various types of NBFCs such as investment companies, equipment leasing companies, loan companies, and housing finance companies. It also discusses the historical committees that shaped NBFC regulations and compares NBFCs to banks.
Foreign exchange market and it's structure in indiaStudsPlanet.com
The document discusses the structure and features of the foreign exchange market. It begins by defining foreign exchange and describing the major participants in the exchange market, including commercial banks, money changers, and the Foreign Exchange Dealers Association of India (FEDAI). It then outlines the roles and regulations of various authorized entities that can participate in the market, such as authorized dealers and restricted authorized dealers. Finally, it discusses key characteristics of the foreign exchange market, including that it is a 24-hour global market connected by communication channels with a daily turnover of $2.75-3 trillion.
This document classifies and defines different types of risk:
1. Systematic risk includes market risk, interest rate risk, and purchasing power risk which stem from overall market forces outside a company's control.
2. Unsystematic risk is specific to an individual company and can result from business risks like poor management or technological changes, or financial risks from using debt.
3. Risk is associated with the variability and uncertainty of investment returns. Expected return considers the probability weighted average returns from all possible outcomes, while risk is measured by the variance or standard deviation of returns. Both risk and expected return must be examined for investment decisions.
Industrial sickness refers to a situation where an industrial firm performs poorly and incurs losses for several years, defaulting on debt repayments. A sick unit fails to generate profits continuously and depends on external funds. Signs of sickness include short-term liquidity issues, revenue losses, operating losses, and overuse of credit. Sickness is caused by both internal factors like poor management and technical issues, as well as external factors such as infrastructure problems, government policies, and market constraints. It is a growing socio-economic problem impacting employees, investors, and the economy.
What do others think is the point of D&T? PATT29Alison Hardy
What do others think is the point of design and technology education?
As a result of a national curriculum review in England (Department for Education [DfE], 2011), a new curriculum for design and technology (D&T) is being taught in secondary schools from September 2014 (Department of Education [DoE], 2013a). This curriculum is compulsory for a decreasing number of schools; two potential consequences are the nature of D&T in secondary schools changing to reflect local perceptions of the subject and maybe D&T being removed from the curriculum completely. The pressure on D&T’s curriculum content is likely to come from different stakeholders such as senior school leaders, D&T teachers, and pupils. D&T school departments could respond to this pressure by adapting the curriculum to popularise the subject or produce high exam results with a consequence that much of the subject’s value is lost.
This paper reports on a small research project conducted in two secondary schools where stakeholder representatives were interviewed to identify their values of D&T. These different stakeholders were interviewed using the active interview method (Holstein & Gubrium, 1995), coded following Aurebach and Silverstein’s method (2003) and their values compared to Hardy’s values framework (Hardy, 2013b). Analysis shows most stakeholders believe a key value of D&T is to provide ‘practical life skills’ (Hardy, p.226), whilst only one recognizes that learning in D&T involves ‘identifying problems to be solved’.
The outcomes from the research are being used to support critically reflective conversations within both D&T departments (Zwozdiak-Myers, 2012) framing their evaluation of their local curriculum and making changes to their curriculum.
This paper is being presented at PATT29 on Friday 19th April 2015
2.2 Product Life Cycle Design Vezzoli 07 08 (28.10.08)vezzoli
The document discusses product life cycle design (LCD) and its goals of minimizing inputs and outputs over a product's life cycle from a sustainability perspective. It describes LCD's life cycle approach and functional approach, as well as LCD criteria including resource minimization, use of low impact resources, optimizing product life, extending material life, and design for disassembly. The key aims of LCD are to reduce environmental impacts at each phase of the product life cycle from production to disposal.
SEBI (Securities and Exchange Board of India) is India's securities market regulator that was established in 1988 to protect investors, develop and regulate the securities market. SEBI is headed by a board and has various departments that work to achieve its objectives of regulating market intermediaries, promoting investor education, and enforcing prohibitions on unfair trading practices. SEBI also works to facilitate investor grievance redressal and promote an efficient, fair and transparent securities market in India.
This document discusses credit ratings and the credit rating agencies in India. It provides information on:
- What credit ratings are and how they estimate creditworthiness
- The four major credit rating agencies in India: CRISIL, ICRA, CARE, and FITCH India
- The regulation of credit rating agencies by SEBI and the requirements for registration
The document outlines the objectives of investment in Sudan which include promoting investment projects that contribute to national development plans and increasing income, expanding the economy, and strengthening economic activity. Additional objectives are to help remove development bottlenecks, provide socio-economic services, rely on local materials, achieve self-sufficiency and exports, strengthen the balance of payments, create employment for nationals, enable economic cooperation with neighbors, reduce poverty and protect the environment, and ensure sustainable use of natural resources.
noorulhadi Lecturer at Govt College of Management Sciences, noorulhadi99@yahoo.com
i have prepared these slides and still using in mylectures, Reference: Portfolio management by S kevin and online sources
The Capital Asset Pricing Model (CAPM) uses beta to measure the non-diversifiable risk of a security and determine its expected return. CAPM assumes investors want to maximize returns and only consider systematic risk. It models expected return as the risk-free rate plus a risk premium based on the security's beta. The Security Market Line graphs this relationship between beta and expected return. Some researchers like Fama and French have expanded CAPM with additional size and value factors.
This document discusses various concepts related to taxation including tax planning, tax avoidance, tax evasion, and tax management. It provides definitions and examples of each concept. Tax planning is legal and involves arranging finances to maximize tax benefits. Tax avoidance finds loopholes in laws but remains legal. Tax evasion is illegal and involves falsifying records or accounts. The document also discusses factors to consider for tax planning like residential status and provides examples of tax planning decisions around capital structure, leasing vs buying assets, and employee compensation.
The document discusses tax planning considerations for owning or leasing assets, repairing vs replacing assets, decisions to make or buy products, and tax provisions related to shutting down a business. It provides guidance on comparing the present value of cash outflows for owning vs leasing, when it is preferable to lease vs own, and how to treat the sale of former research assets. It also outlines tax treatments and deductions allowed for repairs, and considerations for shut down like set-off of losses and depreciation.
The Securities and Exchange Board of India (SEBI) was established in 1988 as an interim administration body and given statutory powers in 1992 through the SEBI Act. SEBI is chaired by C B Bhave and is responsible for regulating the securities market and protecting investors. SEBI's objectives include regulating stock exchanges, controlling insider trading, and protecting investors. It undertakes regulatory functions like registering intermediaries and developmental functions like investor education. SEBI has guidelines for primary and secondary markets and regulates foreign institutional investors. It faces challenges from cross-border trading and demanding investors.
The document discusses corporate risk management. It begins by listing the names of students in Group 8 and providing an introduction to risk management. It then defines risk and classifies risk into systematic and unsystematic types. Next, it defines corporate risk management as identifying, qualifying, and managing risks faced by an organization. It discusses establishing the proper context for risk management and identifies key issues like probability, severity, and strategies to manage risk. Finally, it outlines types of corporate risk like market, credit, and operational, and discusses options for managing risk as well as consequences of failing to manage risks.
Financial engineering involves the design and implementation of innovative financial products and processes. It deals with creating new financial instruments or repackaging existing ones. Some examples of financial engineering in India include debt-oriented mutual funds, interest rate futures, and floating rate bonds. Financial engineering can be applied to equity, debt, hybrid instruments, and derivatives. It is used by investment banks and for purposes like risk management, valuation, and portfolio management. The field needs further development to provide more choices for investors and corporations to improve financial efficiency and solutions.
The document discusses portfolio management and asset allocation strategies. It defines a portfolio as a collection of investments that can include stocks, mutual funds, bonds, and cash. It then describes different types of portfolios including a market portfolio and a zero investment portfolio. The main phases of portfolio management are outlined as security analysis, portfolio analysis, portfolio selection, portfolio revision, and portfolio evaluation. Asset allocation strategies focus on establishing an appropriate mix of asset classes in a portfolio to optimize risk and return based on an investor's goals.
The document defines investment and discusses it from several perspectives. It is generally defined as applying money to earn more money in the future. In finance, investment refers to purchasing a financial product or asset to earn future returns. In business, it means purchasing physical goods like equipment to improve future operations. Economics views investment as utilizing resources today to increase income or output tomorrow. Real investments purchase physical capital while financial investments purchase contracts. The key aspects of investment discussed are risk, return, time horizon, liquidity, and types of financial assets.
This document provides an overview of securitization of debt. It defines securitization as the conversion of future cash flows from financial assets like loans into tradable securities that can be sold in the market. This process allows lenders to raise funds. A special purpose vehicle (SPV) is used as an intermediary between the originator of assets and investors. The SPV issues different types of securities backed by assets like mortgages (MBS), consumer debt (ABS), and corporate debt (CDO). The document discusses the key features and types of securitizable assets in securitization.
This document discusses investment decision making. It defines investment and outlines the objectives of studying portfolio management and capital markets. It explains that investment decision making involves understanding different decision rules, categories of rules, and ensuring expected returns. The decision process involves characterizing good rules, calculating returns based on constraints, eliminating alternatives, and using rules to accept or reject opportunities. Good rules maintain a balance between analysis and subjectivity while maximizing value and minimizing risk across various investments. Common categories of rules are accounting income-based and cash flow-based.
This document discusses investment management. It defines investment as committing funds with an expectation of positive return. The two main forms of investment are real investments in assets like land and machinery, and financial investments in contracts. Investment management aims to meet clients' investment goals through activities like asset allocation, portfolio strategy, and monitoring holdings. It also coordinates investments with other financial planning. Risk and return are important considerations in investment decisions, as there is generally a tradeoff between higher risk and higher potential returns.
Non-banking financial companies (NBFCs) are financial institutions that provide banking services without meeting the legal definition of a bank. This document provides an overview of NBFCs in India, including their history, regulations, types, and roles. It defines various types of NBFCs such as investment companies, equipment leasing companies, loan companies, and housing finance companies. It also discusses the historical committees that shaped NBFC regulations and compares NBFCs to banks.
Foreign exchange market and it's structure in indiaStudsPlanet.com
The document discusses the structure and features of the foreign exchange market. It begins by defining foreign exchange and describing the major participants in the exchange market, including commercial banks, money changers, and the Foreign Exchange Dealers Association of India (FEDAI). It then outlines the roles and regulations of various authorized entities that can participate in the market, such as authorized dealers and restricted authorized dealers. Finally, it discusses key characteristics of the foreign exchange market, including that it is a 24-hour global market connected by communication channels with a daily turnover of $2.75-3 trillion.
This document classifies and defines different types of risk:
1. Systematic risk includes market risk, interest rate risk, and purchasing power risk which stem from overall market forces outside a company's control.
2. Unsystematic risk is specific to an individual company and can result from business risks like poor management or technological changes, or financial risks from using debt.
3. Risk is associated with the variability and uncertainty of investment returns. Expected return considers the probability weighted average returns from all possible outcomes, while risk is measured by the variance or standard deviation of returns. Both risk and expected return must be examined for investment decisions.
Industrial sickness refers to a situation where an industrial firm performs poorly and incurs losses for several years, defaulting on debt repayments. A sick unit fails to generate profits continuously and depends on external funds. Signs of sickness include short-term liquidity issues, revenue losses, operating losses, and overuse of credit. Sickness is caused by both internal factors like poor management and technical issues, as well as external factors such as infrastructure problems, government policies, and market constraints. It is a growing socio-economic problem impacting employees, investors, and the economy.
What do others think is the point of D&T? PATT29Alison Hardy
What do others think is the point of design and technology education?
As a result of a national curriculum review in England (Department for Education [DfE], 2011), a new curriculum for design and technology (D&T) is being taught in secondary schools from September 2014 (Department of Education [DoE], 2013a). This curriculum is compulsory for a decreasing number of schools; two potential consequences are the nature of D&T in secondary schools changing to reflect local perceptions of the subject and maybe D&T being removed from the curriculum completely. The pressure on D&T’s curriculum content is likely to come from different stakeholders such as senior school leaders, D&T teachers, and pupils. D&T school departments could respond to this pressure by adapting the curriculum to popularise the subject or produce high exam results with a consequence that much of the subject’s value is lost.
This paper reports on a small research project conducted in two secondary schools where stakeholder representatives were interviewed to identify their values of D&T. These different stakeholders were interviewed using the active interview method (Holstein & Gubrium, 1995), coded following Aurebach and Silverstein’s method (2003) and their values compared to Hardy’s values framework (Hardy, 2013b). Analysis shows most stakeholders believe a key value of D&T is to provide ‘practical life skills’ (Hardy, p.226), whilst only one recognizes that learning in D&T involves ‘identifying problems to be solved’.
The outcomes from the research are being used to support critically reflective conversations within both D&T departments (Zwozdiak-Myers, 2012) framing their evaluation of their local curriculum and making changes to their curriculum.
This paper is being presented at PATT29 on Friday 19th April 2015
2.2 Product Life Cycle Design Vezzoli 07 08 (28.10.08)vezzoli
The document discusses product life cycle design (LCD) and its goals of minimizing inputs and outputs over a product's life cycle from a sustainability perspective. It describes LCD's life cycle approach and functional approach, as well as LCD criteria including resource minimization, use of low impact resources, optimizing product life, extending material life, and design for disassembly. The key aims of LCD are to reduce environmental impacts at each phase of the product life cycle from production to disposal.
The document provides guidelines for designing products with consideration for ergonomics and aesthetics. It discusses:
1) Designing for ergonomics by considering biomechanical, physiological, and psychological issues related to how humans interact with and are impacted by technical products. This helps ensure products are usable and do not cause fatigue or health risks.
2) Designing for aesthetics by selecting forms, shapes, colors and graphics that appeal to users based on human values and feelings, in addition to technical functionality. This involves collaboration between industrial designers and engineering designers.
3) Providing clear visual information to users through the product's appearance regarding its purpose, operation, manufacturer, and intended use. Guidelines are provided for
Computer Pals provides technology education for children that is always fun, exciting, and educational while building important social skills through continuous interaction with well-trained teachers and engaging lesson plans. Students work on hands-on projects using laptops and tablets to build pride, confidence, and technology skills that put them at the top of their class while nurturing foundations that will last a lifetime.
The document describes the product design process, which includes key steps like product planning, concept development, embodiment design, and detail design. It discusses product planning in depth, including why it is important to determine the right mix of projects and provide each project with a focused mission statement. The document also covers gathering customer needs, generating concepts, and evaluating concepts to arrive at the best design.
The document discusses channels of distribution, defining it as the pathway taken by goods and services as they flow from production to consumption. It notes the importance of channels of distribution in bridging producers and consumers and helping transfer goods. The types of channels are described, including direct and indirect selling. Middlemen are discussed as important connecting links between manufacturers and consumers. [END SUMMARY]
Don Gregory presented "Competitive Bidding" to the Ohio Prosecutor's Association on December 3, 2015.
The presentation examined the requirements for competitive bidding including existing exceptions, bidding thresholds and non-collusive affidavits.
This document summarizes negotiation strategies from different cultures. From the Japanese, it discusses the considered response and respectful silence, seeking heavenly approval before finalizing a deal, and taking more time to build consensus. From the French, it discusses agreeing in principle before negotiating details and not making concessions without getting something in return. From the Middle East, it discusses making negotiations fun and informal through small talk and breaks rather than rushing the process. It concludes by advising understanding the other party's culture and using strategies appropriate for each situation.
The document outlines the 11 key steps in the marketing research process: 1) establish need, 2) define problem, 3) set objectives, 4) design research, 5) identify info sources, 6) determine data collection methods, 7) design forms, 8) determine sample, 9) collect data, 10) analyze data, and 11) prepare the report. It notes that the process is interactive and not all steps may be needed. Defining the problem clearly is emphasized as the most important step. The goal is to understand the overall process and flexibility within it to address different research needs.
Blow molding is a plastic processing technique where a heated plastic material is extruded into a hollow shape called a parison, which is then placed inside a mold and inflated with air until it takes the shape of the mold cavity. There are different types of blow molding depending on how the parison is formed, such as extrusion blow molding where plastic is continuously extruded and cut into parisons. Common materials used for blow molding include HDPE, LDPE, PP, PVC, and PET. Key factors that affect blow molding include the parison characteristics, inflation pressure, mold design, and blow ratio.
Product Life Cycle (Stages and Extension Strategies)Project Student
Business Studies - Product Life Cycle
The product life cycle stages are explained in depth along with advantages and disadvantages of the product life cycle, extension strategies and the uses. Each stage (development, introduction, growth, maturity and saturation, decline, rejuvenation and decline) are all explained in depth along with a chart and adv. and disadv.
Here are some key industries and products that rely on blow molding for packaging:
- Beverage industry: Water bottles, soda bottles, juice bottles
- Food industry: Milk jugs, yogurt and butter tubs, condiment bottles
- Personal care industry: Shampoo, lotion and cosmetic bottles
- Household products industry: Cleaning product bottles, trash bins
- Automotive industry: Automotive fluid containers like oil and antifreeze bottles
- Medical industry: Saline solution bags, IV bags and tubing, medicine bottles
The document discusses guidelines for bankers to analyze credit applications from farmers in India. It outlines factors to consider like returns from investment, repayment capacity, and risk bearing ability. Repayment capacity depends on gross returns, expenses, consumption, other loans, skills. It also discusses the 5 Cs, 7 Ps, and different repayment plans for loans like lump sum, amortized decreasing/even, and variable plans. The key points are evaluating the viability and risks of proposed investments, a farmer's ability to repay based on their financial situation, and choosing appropriate loan repayment structures.
The document discusses techniques for effective advertising in industrial marketing. It provides tips for creating visual ads that attract readers, selecting the right audience, using a logical sequence to engage readers, and emphasizing services over the company. The goal is to create awareness of products and services, support sales and distribution channels, and generate leads through various advertising and promotional methods.
The document summarizes the product life cycle stages that commercial products typically go through: development, introduction, growth, maturity, and decline. It provides details on each stage, including typical characteristics like sales volumes, costs, profits, and marketing objectives. As an example, it then summarizes the product life cycle of the Maruti 800 automobile in India from its launch in 1983 through its declining sales as competition increased.
This document discusses smart materials, intelligent structures, and biomimetics. It provides examples of smart materials that respond to stimuli in predictable ways. Intelligent structures are composites that can embed sensors, processing and control, and actuators to allow calculated responses. Biomimetics takes design inspiration from nature, with examples like Velcro mimicking plant burrs and gecko tape mimicking gecko foot hairs.
Introduction to smart materials and their applications in engineering.
How to prepare MR (Magnetrorheological) fluids at home?
What are Shape Memory Alloys?
What are Piezoelectric materials?
#WikiCourses
https://wikicourses.wikispaces.com/Topic04+Smart+Materials
The document discusses different plastic processing methods used by group members Muazz Ali and Irfan Ali. Muazz Ali focuses on injection molding, blow molding, and injection blow molding. Irfan Ali discusses extrusion blow molding, stretch blow molding, and thermoforming. Both members provide details on the basic principles, processes, parameters, advantages, disadvantages and applications of each plastic processing technique.
Additive Manufacturing / 3D Printing and CADYudhi Ariadi
The document is an image showing wayang kulit, which is traditional Indonesian shadow puppet theater. In the image, several carved leather shadow puppets are shown arranged on a screen with lighting behind them, ready to be used in a performance of wayang kulit.
This document discusses smart materials and systems. It begins by providing historical context for scientific achievements since 1760. It then defines smart materials as materials that can respond to external stimuli in a useful way. Examples given include piezoelectric materials and shape memory alloys. The document outlines desirable attributes for smart systems and defines them as systems with intrinsic sensors, actuators and control mechanisms. It provides examples of smart material effects and advantages over traditional components. Overall, the document provides an overview of smart materials and systems, including definitions, examples, and applications.
1) The business cycle refers to periodic fluctuations in economic activity between periods of expansion and contraction.
2) It involves four phases - prosperity, peak, downturn/recession, and recovery.
3) Various theories have been proposed to explain the business cycle, including the monetary, psychological, innovation, and Keynesian theories.
4) Keynes argued that decreases in aggregate demand are the primary cause of depression and unemployment. Investment can be used to increase aggregate demand and reduce downturns in the short run.
In introduction to marketing, the products or services may have its own life-cycle. It is important to know what are the stages currently for the products and services to determine the strategies that should be apply later on.
The document discusses the business life cycle and the four stages businesses typically go through: startup, growth, maturity, and decline. It explains that each stage presents unique challenges and businesses must adapt their strategies. It also provides details on what occurs during each phase of the business cycle, including how factors like wages, unemployment, borrowing, and business profits fluctuate during expansion, peak, contraction, and trough periods.
The document discusses entrepreneurship and provides definitions and concepts related to entrepreneurship. It defines entrepreneurship as creating something new of value by devoting time and effort while accepting risks and rewards. An entrepreneur is an individual who actively forms or leads their own business. The key stages of entrepreneurship are identifying opportunities, developing a business plan, acquiring resources, and managing the new venture. The document also outlines benefits like independence and potential for high profits but also drawbacks such as uncertainty, risk of losing investments, long hours, and stress.
This document discusses the risks and rewards of starting an enterprise. It defines risk as the chance of loss or damage and explains the main risks startups face include business failure, personal liability for debts, difficulty finding future work, and stigma of failure. It notes the high failure rate of startups and challenges of testing ideas without trading. Rewards include potential financial gains like profits, dividends, and capital growth, as well as non-financial rewards like satisfaction, control, growth, and good feedback. A calculated risk is one where costs and benefits are carefully considered.
LATVIA - the lives and entrepreneurship stries of celebritiesJoanna Dimitrova
The document discusses seven risks that every entrepreneur must take, from starting a business idea to ongoing development. These risks include losing a steady job for income, sacrificing personal capital to fund the business, predicting customer behaviors and business outcomes which financial plans rely on, betting on a central business idea which may not succeed as planned, trusting partners and teammates to help carry out the business vision, depending on crucial deadlines to drive business progress, and donating extensive personal time and potentially health to focus on making the business successful. The document emphasizes that while these risks are substantial, taking risks is almost synonymous with entrepreneurship and is necessary to achieve the potential rewards.
This document provides tips for starting a successful startup based on common reasons why startups fail. It discusses that the top reasons for failure are lack of product/market fit, running out of money, and having the wrong team. To avoid failure, startups should realize that the business model is the product, that product failure is part of the process, and the goal is to quickly achieve product/market fit. It also emphasizes that people and cash flow management are critical factors. The document recommends developing an MVP to test the product fit, being willing to pivot the product as needed, and obtaining frequent customer feedback to guide the business model.
Challenges faced in new product service developmentSameer Mathur
This document summarizes challenges faced in new product and service development. It identifies obstacles such as misinterpreted market research, overestimating market size, higher development costs, capital shortages, fragmented markets with smaller profitable segments, and lack of organizational support that may not align with corporate culture. Other drawbacks include poor launch timing, shorter product life cycles, and constraints from social, economic, and governmental factors. Constant innovation is necessary but new products often face difficulties that can lead to failure if not properly addressed.
As presented @ Betahaus Sofia. It is very much based on the original seed fundraising presentation of Steve Schlafman (http://www.slideshare.net/schlaf/raising-a-seed-round), the best I've seen on the subject.
Enterpreneurship and startup opportunities for engineersRamabhau Patil
- Entrepreneurship and starting new businesses was discussed as an opportunity for engineers. Characteristics of successful entrepreneurs include drive, self-confidence, goal-setting, and risk-taking.
- Starting a new business involves identifying a market need and developing an innovative product or service to meet that need. Market research and assessing risks are important steps.
- Common reasons start-ups fail include poor planning, lack of experience, insufficient funding, and weak management of finances, employees, or other resources. Business incubators can help start-ups by providing low-cost office space, expertise, and funding connections.
The document discusses the typical stages of growth for startup companies over their first 3-5 years: proof of concept, seed, startup, early, growth, and later stage to maturity. It notes that many startups fail to make it through the "Valley of Death" period when spending exceeds revenue. The document advises entrepreneurs to match their capital needs at each stage to the appropriate sources, such as founders, friends and family initially, then potentially banks, grants, bootstrapping, angels, and venture capital later on. It stresses developing a capital plan to only raise what is needed to hit business plan milestones.
Identifying the right business for your personAngela Ihunweze
This document discusses identifying the right business to start. It begins by explaining why properly choosing a business is important to avoid failure. The document outlines factors to consider, such as your motives, skills, and finances. It distinguishes between small businesses and entrepreneurial ventures. Small businesses focus on supplemental income while ventures aim to innovate and grow. The document advises evaluating a business idea thoroughly before starting and learning industry specifics to compete successfully.
This document discusses establishing an ideal solution for small and medium business owners and entrepreneurs in India to achieve work satisfaction, financial security, and future growth. It outlines the common dilemmas they face in balancing these priorities and staying focused on daily operations versus long-term planning. The proposed solution is a cooperative of experienced consulting professionals called Yagna that would help businesses sequentially address issues, build capabilities, and implement sustainable initiatives over 90 days to improve performance, protect the current situation, and lay the foundation for future success.
Product life cycle & new product developmentNur Agustinus
The document discusses the stages of the product life cycle and the key steps in new product development. It describes the five stages of the product life cycle as product development, introduction, growth, maturity, and decline. For each stage except product development, it provides details on sales, costs, profits, target customers, and competition. It then outlines the major steps in new product development as idea generation, product screening, concept testing, business and financial analysis, product development, test marketing, and commercialization. Finally, it discusses methods for generating new product ideas such as dimensional analysis.
Most businesses are being pressured to pivot in order to survive the COVID-19 pandemic. For some, this means layoffs so the business can survive and re-hire employees after regulations relax. For others, it means a breakdown in supply chain and the need to rethink their product line. And still others are having to get clever to manage the regulations while creating income for physical stores and spaces.
This presentation encourages all businesses to avoid the 'panic pivot' and root their pivot into the original goals and business plan. Those that need help with their business plan can sign up for a 15min complimentary session here: https://calendly.com/veronicakirin/intro-call
My humorous, and realistic and honest, account of experiences at 6 startups from the perspective of a serial "pain in the *ss" and change proponent. It doesn't just apply to startups, but also large companies with transformative projects and change management.
This document discusses business plans, business models, entrepreneurship, and starting a new business. It provides frameworks and examples for developing business ideas, business models, and business plans. It also examines the characteristics, skills, attitudes, and types of entrepreneurs. Common reasons for entrepreneurial success and failure are explored. Finally, typical stages of starting a new business are outlined.
This document discusses the impacts of recession on businesses and individuals. It describes how a recession is characterized by slowing economic growth, decreased production and consumer spending, rising unemployment, and falling incomes. During recessions, overproduction can lead to high supply and low demand. Recessions can be triggered by external events and a loss of confidence. The document examines how Foxconn and Starbucks were affected differently by the 2007-2012 global recession, with Foxconn facing major problems and Starbucks expanding. It also explores how some unemployed individuals became accidental entrepreneurs by starting their own businesses out of necessity during the recession.
The document describes the typical life cycle of an industry or product, consisting of four stages: 1) Birth/Infancy, where cash outflows are high and inflows are low or zero as the industry is established; 2) Growth, where cash outflows decrease and inflows increase as the industry expands; 3) Maturity, where cash inflows and profits are highest but research is needed to prevent decline; 4) Decline, where inflows decrease and outflows increase as the industry or product becomes outdated without innovation.
There are different concepts of inflation discussed in the document. Inflation is defined as a fall in general prices accompanied by declining output and employment. Reflation is defined as a deliberate slow increase in prices by the government to lift an economy out of depression. Stagflation is defined as a combination of stagnant economic growth and inflation, where there is an increase in prices along with a decrease in output and employment. Reflation also refers to an attempt by the government to moderately lower prices from a high level to a low level.
The document discusses different types and causes of inflation according to rate of price increases. It identifies creeping, walking, running (also called runway or galloping), and hyperinflation. Demand-pull inflation occurs when aggregate demand increases more than supply and is caused by factors like monetary expansion, wage increases, and population growth. Cost-push inflation happens when production costs rise, increasing prices, and is caused by increases in input prices, indirect taxes, and currency devaluation. Methods to control inflation include monetary measures like interest rates and reserves, fiscal measures like taxes and spending, and realistic measures like population planning and price controls.
Measuring cash flows or statement of cash flowsMuhammad Zubair
This document discusses the statement of cash flows, including:
1) The history and purpose of the statement of cash flows, which was established in 1988 to standardize reporting of cash sources and uses across companies.
2) The key components of the statement - operating, investing, and financing activities - and what types of cash flows are included in each section.
3) The two methods for preparing the statement - direct and indirect - and the adjustments needed for operating activities cash flows under the indirect method.
Measuring cash flows or statement of cash flowsMuhammad Zubair
This document discusses the statement of cash flows, including:
1) The history and purpose of the statement of cash flows, which was established in 1988 to standardize reporting of cash sources and uses across companies.
2) The key components of the statement - operating, investing, and financing activities - and what types of cash flows are included in each section.
3) The two methods for preparing the statement - direct and indirect - and the adjustments needed for operating activities cash flows under the indirect method.
Discover timeless style with the 2022 Vintage Roman Numerals Men's Ring. Crafted from premium stainless steel, this 6mm wide ring embodies elegance and durability. Perfect as a gift, it seamlessly blends classic Roman numeral detailing with modern sophistication, making it an ideal accessory for any occasion.
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Navigating the world of forex trading can be challenging, especially for beginners. To help you make an informed decision, we have comprehensively compared the best forex brokers in India for 2024. This article, reviewed by Top Forex Brokers Review, will cover featured award winners, the best forex brokers, featured offers, the best copy trading platforms, the best forex brokers for beginners, the best MetaTrader brokers, and recently updated reviews. We will focus on FP Markets, Black Bull, EightCap, IC Markets, and Octa.
HR search is critical to a company's success because it ensures the correct people are in place. HR search integrates workforce capabilities with company goals by painstakingly identifying, screening, and employing qualified candidates, supporting innovation, productivity, and growth. Efficient talent acquisition improves teamwork while encouraging collaboration. Also, it reduces turnover, saves money, and ensures consistency. Furthermore, HR search discovers and develops leadership potential, resulting in a strong pipeline of future leaders. Finally, this strategic approach to recruitment enables businesses to respond to market changes, beat competitors, and achieve long-term success.
Profiles of Iconic Fashion Personalities.pdfTTop Threads
The fashion industry is dynamic and ever-changing, continuously sculpted by trailblazing visionaries who challenge norms and redefine beauty. This document delves into the profiles of some of the most iconic fashion personalities whose impact has left a lasting impression on the industry. From timeless designers to modern-day influencers, each individual has uniquely woven their thread into the rich fabric of fashion history, contributing to its ongoing evolution.
Ellen Burstyn: From Detroit Dreamer to Hollywood Legend | CIO Women MagazineCIOWomenMagazine
In this article, we will dive into the extraordinary life of Ellen Burstyn, where the curtains rise on a story that's far more attractive than any script.
Presentation by Herman Kienhuis (Curiosity VC) on Investing in AI for ABS Alu...Herman Kienhuis
Presentation by Herman Kienhuis (Curiosity VC) on developments in AI, the venture capital investment landscape and Curiosity VC's approach to investing, at the alumni event of Amsterdam Business School (University of Amsterdam) on June 13, 2024 in Amsterdam.
The APCO Geopolitical Radar - Q3 2024 The Global Operating Environment for Bu...APCO
The Radar reflects input from APCO’s teams located around the world. It distils a host of interconnected events and trends into insights to inform operational and strategic decisions. Issues covered in this edition include:
Storytelling is an incredibly valuable tool to share data and information. To get the most impact from stories there are a number of key ingredients. These are based on science and human nature. Using these elements in a story you can deliver information impactfully, ensure action and drive change.
[To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
This PowerPoint compilation offers a comprehensive overview of 20 leading innovation management frameworks and methodologies, selected for their broad applicability across various industries and organizational contexts. These frameworks are valuable resources for a wide range of users, including business professionals, educators, and consultants.
Each framework is presented with visually engaging diagrams and templates, ensuring the content is both informative and appealing. While this compilation is thorough, please note that the slides are intended as supplementary resources and may not be sufficient for standalone instructional purposes.
This compilation is ideal for anyone looking to enhance their understanding of innovation management and drive meaningful change within their organization. Whether you aim to improve product development processes, enhance customer experiences, or drive digital transformation, these frameworks offer valuable insights and tools to help you achieve your goals.
INCLUDED FRAMEWORKS/MODELS:
1. Stanford’s Design Thinking
2. IDEO’s Human-Centered Design
3. Strategyzer’s Business Model Innovation
4. Lean Startup Methodology
5. Agile Innovation Framework
6. Doblin’s Ten Types of Innovation
7. McKinsey’s Three Horizons of Growth
8. Customer Journey Map
9. Christensen’s Disruptive Innovation Theory
10. Blue Ocean Strategy
11. Strategyn’s Jobs-To-Be-Done (JTBD) Framework with Job Map
12. Design Sprint Framework
13. The Double Diamond
14. Lean Six Sigma DMAIC
15. TRIZ Problem-Solving Framework
16. Edward de Bono’s Six Thinking Hats
17. Stage-Gate Model
18. Toyota’s Six Steps of Kaizen
19. Microsoft’s Digital Transformation Framework
20. Design for Six Sigma (DFSS)
To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations
The Steadfast and Reliable Bull: Taurus Zodiac Signmy Pandit
Explore the steadfast and reliable nature of the Taurus Zodiac Sign. Discover the personality traits, key dates, and horoscope insights that define the determined and practical Taurus, and learn how their grounded nature makes them the anchor of the zodiac.
Digital Marketing with a Focus on Sustainabilitysssourabhsharma
Digital Marketing best practices including influencer marketing, content creators, and omnichannel marketing for Sustainable Brands at the Sustainable Cosmetics Summit 2024 in New York
The Genesis of BriansClub.cm Famous Dark WEb PlatformSabaaSudozai
BriansClub.cm, a famous platform on the dark web, has become one of the most infamous carding marketplaces, specializing in the sale of stolen credit card data.
Starting a business is like embarking on an unpredictable adventure. It’s a journey filled with highs and lows, victories and defeats. But what if I told you that those setbacks and failures could be the very stepping stones that lead you to fortune? Let’s explore how resilience, adaptability, and strategic thinking can transform adversity into opportunity.
Brian Fitzsimmons on the Business Strategy and Content Flywheel of Barstool S...Neil Horowitz
On episode 272 of the Digital and Social Media Sports Podcast, Neil chatted with Brian Fitzsimmons, Director of Licensing and Business Development for Barstool Sports.
What follows is a collection of snippets from the podcast. To hear the full interview and more, check out the podcast on all podcast platforms and at www.dsmsports.net
Unveiling the Dynamic Personalities, Key Dates, and Horoscope Insights: Gemin...my Pandit
Explore the fascinating world of the Gemini Zodiac Sign. Discover the unique personality traits, key dates, and horoscope insights of Gemini individuals. Learn how their sociable, communicative nature and boundless curiosity make them the dynamic explorers of the zodiac. Dive into the duality of the Gemini sign and understand their intellectual and adventurous spirit.
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2. Maturity
Growth
Decline
Birth/Infancy
Industry/business/product life cycle
3. Birth/Infancy
• It’s the initial stage
• Maximum cash outflows
• Cash inflows are minimum/zero
• Almost the industry/business/product is in
loss at this stage
4. Growth
• Cash outflows start decreasing
• Cash inflows start increasing
• Credit repaying ability is minimum/zero
because the co. try to invest more and more in
business to compete the market and for the
expansion of business.
5. Maturity
• Cash outflows are minimum
• Cash inflows are maximum
• To keep away from loss or lower profits
research and development is much necessary.
6. Decline
• Cash inflows start decreasing
• Cash outflows start increasing rapidly
• Low research and development or no
innovation
• Investment start decreasing