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Masters of Social Gastronomy: Burnin' down the Mouth! the Secrets of Spicy Foods
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Each month, the Masters of Social Gastronomy take on a curious food topic and break down the history, science, and stories behind it. This month, MSG breaks into the secret world of hot peppers to pull back the curtain on everyone's favorite Rooster-branded hot sauce and the worldwide affection for spicy, spicy food. Follow America's historical love of hot sauce to our present Sriracha obsession. We'll take a behind-the-scenes look at its California factory and see how sriracha just might be as American as apple pie. Once you escape the potatoes-and-cream tyranny of European cuisine, a culinary dedication to heat can be found everywhere. We'll examine what makes Thai food tick and where Indian vindaloo gets its muscle. From mild jalapeños to record-holders like the Ghost Pepper and Trinidad Moruga Scorpion, find out what makes a veggie pack such a powerful punch!
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Thanks to a multitude of attractive prospect call ups these last few days, we're headed for the most expensive FAAB week in recent time in NFBC formats. The intention of this post is to serve as a guide on how much to spend on a player, but more importantly, what to expect in terms of 2019 impact which in itself affects a player's price. I will be using The Great Fantasy Baseball Invitational (TGFBI) as my basis. For those unaware, it is a 15-team mixed NFBC league where all managers started with $1000. My FAAB percent recommendations assume no one has $1000 left, but more in the $600-700 range. Adjust accordingly for your budget.
If you wish to read in depth articles on the promotions of each of the names below, head to our general section.
Keston Hiura
Steamer ROS Projection: 12 HR, 7 SB .259/.313/431 in 367 PA
The biggest name of the week is undoubtedly Hiura, a universal top 15 prospect at worst whose hit tool is considered one of the best in the minors. He got the call after a slumping — and now injured — Travis Shaw failed to replicate his numbers from the previous two years. I'm taking the slight over in all his slash line projections and ticking up his home runs to 15. Steamer doesn't properly account for the new hitting environment and Miller Park has the third-best HR factor for RHH according to Baseball Prospectus and is top 10 in runs factor.
The big question for every prospect in this article is: What are the odds they stay up the rest of the year and get full playing time? For Hiura, Shaw remains the big wild card. For now, I think it's safe to assume he should accrue at least 50 PA. If he slashes .270/.340/.420 in that span, Hiura is staying in the bigs. Because of his talent, I like his chances of doing that. I don't have an answer for what happens if Hiura is doing well when Shaw returns. My guess is he returns as a bench bat and steals a start here and there at 3B and 2B. For now, Hiura should rightfully be the most expensive addition this week because he has the most upside.
FAAB Percent to Spend: Aggressive (You really want him): 40%
Median (Solid bid, but chance you don't land him): 30%
Just In Case (You won't win him, but juuuuust in case): 15%
Nicky Lopez
Steamer ROS Projection: 5 HR, 11 SB .274/.340/.379 in 414 PA
If I had to place money on which batter accrues the most plate appearances this season from this post, I'd bet on Lopez. It all comes back to the Royals' decision to uproot Whit Merrifield, one of the team's best players. Second base has been Merrifield's primary position since making his debut in 2016. He's not unfamiliar with centerfield — he played 30 games there last year — but to me at least, it speaks volumes that they're bumping him to the outfield for good to make room for Lopez. That doesn't seem like the move you make for a two-week trial of a prospect.
Lopez's skills are the safest of anyone here. He rarely strikes out and he consistently walks at above league average rates. His wheels aren't of the true burner variety, but at a time when steals are bone-dry in the fantasy world, he's still a valuable commodity. It's the steals that will make him a bit more expensive than his overall counting stats could dictate. He's off to a quick start thus far and I'm taking a shine to him, perhaps more than most.
FAAB Percent: Aggressive (23%), Median (15%), Just In Case (10%)
Brendan Rodgers
Steamer ROS Projection: 3 HR, 1 SB .287/.334/.473 in 84 PA
Rodgers is the shiniest toy to get the call thanks to a collision Wednesday night that left Trevor Story a little bruised up. Rodgers' numbers in Albuquerque have been great (1.066 OPS) but it does come with a .382 BABIP. However he has made significant strides in his approach, upping his walk rate to nine percent (highest since 2015 Rookie ball) and lowering his strikeouts to 16 percent. The former third overall pick has long had the drool worthy upside of a 60 hit/60 power player in Coors but I'm extremely cautious of his impact right now.
Simply put, the infield is very clogged. If so, that makes the call up a little perplexing. Daniel Murphy has been slumping and thus has been benched the last few days, appearing only later in games. Mark Reynolds has been starting at first base with Ryan McMahon appearing on and off at second base. Rodgers has started games at second base thus far, bumping McMahon. We've been burned too many times with Rockies prospects and for this reason, I'd avoid bidding big, despite Rodgers' numbers and pedigree. It's still unclear if a platoon is the plan. My FAAB suggestion has my thinking in mind, so be sure to uptick from my numbers if you disagree.
FAAB Percent: Aggressive (12%), Median (10%), Just In Case (5%)
Austin Riley
Steamer ROS Projection: 9 HR, 1 SB .258/.315/.472
An Ender Inciarte injury (lumbar strain) landed him in the 10-day IL and it made too much sense to call up Austin Riley, who at the time was tied for the lead in minor league home runs with 15. It was clear early in the season that Riley wasn't going to supplant Josh Donaldson, even if he got injured (shout out to Johan Camargo). But once he began playing some left field, the Braves signaled their intent.
Riley easily has the most power of anyone in this group, possessing the ability to hit 20 home runs from here on out if given everyday at-bats. The Braves are in the midst of a very winnable NL East division, giving me the impression that if he performs well early on, Riley is a mainstay. Braves manager Brian Snitker said Inciarte had been dealing with the back pain for a while, which leads me to believe this is going to go beyond a 10-day stint to get him fully healthy. Even with a return from Inciarte, there's a chance he's moved in a trade thanks to a team-friendly contract that could be big ammo to bolster their bullpen.
Last year I would have said Riley would have trouble hitting major league pitching consistently, but it seems a tweak in his swing plane could be the key. Like Lopez he's off to a quick start which may seem insignificant, but is big for how the organization views him in the short term. Be wary of a potential hit to average, but enjoy the big power.
FAAB Percent: Aggressive (35%), Median (23%), Just In Case (13%)
Corbin Martin
Steamer ROS Projection: 8.1 K/9, 3.5 BB/9, 4.63 ERA in 68 IP (13 GS)
Martin was downright impressive in his debut, showing a clear three-pitch mix led by a fastball that would be in the top 7% of average velocity among starters if he qualified. Here were Matt Thompson's takeaways after logging his start:
I'm in love with the changeup and the breaking ball. The breaking ball was better today but he worked the changeup in even against right-handers. He took control of both sides of the plate, which is something we haven't seen recent call-ups do. I'm bullish on Martin going forward. If he sticks in the rotation he's worth an add wherever you can grab him at. I'm a little concerned about his value in quality start formats, but the ratios will be strong.
The stuff looked near elite in his first start and in his career he didn't exhibit any platoon issues. There aren't a ton of arms that will debut this year that can have a strong impact from the get go. I know the thinking is that the Astros rotation is near impenetrable for prospects. But I think Martin can outperform Wade Miley and can be on par with Brad Peacock. Rogelio Armenteros and Forrest Whitley are struggling in Triple-A so for the time being, Martin shouldn't have to watch his back. Don't be dissuaded by a poor outing at Fenway Park against a team that's fourth in wOBA in the last week. If you need pitching help, now's the time to go in.
FAAB Percent: Aggressive (25%), Median (20%), Just In Case (15%)
Oscar Mercado
Steamer ROS Projection: 4 HR, 11 SB .233/.296/.342
Mercado has been one of the most unheralded speed demons in the minors, stealing at least 31 bags since 2015 and already having 14 in 2019. Like Lopez though, he's not a plus plus runner. He's improved his previously poor baserunning instincts to about average. Boiling it down, Mercado doesn't have one standout tool. He's a second-division player with the upside of a true everyday regular if he can tap into more power than just his pull side.
Right now he got the call because Tyler Naquin went on the 10-day IL. Naquin wasn't setting the world on fire, but he wasn't slumping either. The Indians will play the hot hand (see Jordan Luplow) if the results demand it, signaling that Mercado has a chance to stick with a role if he performs well enough. If Cleveland really wants Naquin back in the lineup for some odd reason, Mercado has played plenty of centerfield and supplant a struggling Leonys Martin.
This is a profile worth going after for the steals, but the problem is he sat in his second and third game and in the early going looks like he's on the short side of a platoon (despite hitting RHP better). This is death in weekly leagues and unfortunately dings his value significantly for tonight's FAAB wave. As a result, all my bids will be modest.
FAAB Percent: Aggressive (13%), Median (9%), Just In Case (3%)
Willie Calhoun
Steamer ROS Projection: 6 HR, 1 SB .265/.324/.438 in 174 PA
Hey look who's back! Once a no doubt top 100 prospect, Calhoun got the call after the Rangers placed Elvis Andrus on the 10-day IL with a hamstring strain. I admit that I hadn't thought about Calhoun in quite a while. But the bat-first bopper has exactly the kind of profile to take advantage of the new ball and it looks like he was doing just that. In 32 games he was hitting .304/.416/.557 with eight home runs, 22/19 BB/K and a standard .307 BABIP.
So the numbers were good, but how does he fit into the lineup? The Rangers seem intent on playing him at DH and left field. On Wednesday, a red-hot Hunter Pence rode the bench for Calhoun's debut. On Thursday, Shin-Soo Choo rode the pine against a right-hander which was interesting. And he was back in there on Friday. It seems the Rangers want to get Calhoun in there at the expense of a start a week of a regular and thus far, he's lighting it up (8-for-16) and hitting second. If you need some power and perhaps some average help, Calhoun might be someone to snag on if Hiura is too rich for you. I'm growing increasingly confident that he will see at minimum five games a week.
FAAB Percent: Aggressive (17%), Median (12%), Just In Case (6%)
Shaun Anderson
Steamer ROS Projection: 7.3 K/9, 2.8 BB/9, 4.08 ERA in 98 IP (17 GS)
Anderson is a typical SP5/6 righty, relying on sequencing and pitchability to get by rather than dominant stuff. Ranking eighth in the Giant's preseason top 30, I like his chances of sticking in the Giants rotation and becoming a mildly attractive streamer in home starts.
FAAB Percent: Aggressive (4%), Median (2%), Just In Case (1%)
Luis Arraez
Steamer ROS Projection: 0 HR, 0 SB .291/.334/.376 in 19 PA
Called up after Nelson Cruz went on the IL, Luis Arraez is a 22-year-old hit-first infielder not unlike Lopez, though Arraez lacks any speed making his overall profile pretty boring. Though he's played 2B/3B/SS this year in Double-A and Triple-A, he's not expected to receive any substantial playing time.
FAAB Percent: Don't.
Austin Allen
Steamer ROS Projection: 1 HR, 0 SB .234/.290/.382 in 43 PA
A catcher in the Padres organization, he was called up after Francisco Mejia went on the DL. Like Mejia, he'll catch a couple of games a week and lacks any fantasy value.
FAAB Percent: Don't.

subset: commoncrawl


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Danush Lodge, Bangalore
Ranked 2223 of 3220 hotels in Bangalore
262, Old Toll Gate, Mysore Road, Mysore Road, Bengaluru, Karnataka 560026
Phone Number +91-80-9449019819
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What travellers are saying about this hotel
Click on tags for more details.
Danush Lodge is ranked #2223 among the 3220 hotels in Bangalore with an average rating of 5.6 out of 7. It is one of the 327, 2-star Guest Houses in Bangalore. On HolidayIQ, it is rated top for its Appearance, Room and Food & Drink.
The online booking price of the hotel ranges between Rs 300 to Rs 400 per night. The hotel offer 4 rooms to check availability or to avail complimentary breakfast, we recommend contacting the hotel to check if the final tariff includes it.
The ambience and the location of the hotel makes it a suitable option for variety of travellers.
Danush Lodge is located at Mysore Road . Sacred Heart Church (1 Km), All Saints Church (1 Km), Baldwin Methodist Church (1 Km), Biblical Baptist Church (1 Km) and Methodist Church (1 Km) are some of the popular sightseeing attractions located near the hotel.
If you are in need for airport transfers or require a car for sightseeing around the city or you have to do an early check-in, then we recommend contacting the hotel directly and requesting for these additional services. All of the available amenities ensure your stay is enjoyable and free from any hassles.
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On training
February 12, 2010
Look at me! I am sporting my brand new banner, designed by GreenCouchDesigns! Cynthia is the best graphic designer I have encountered. I giver her a general idea of what I want, she asks me my favorite colors and then she turns around and gives me a complete theme. Thank you Cynthia!
I love my new banner! It wraps everything about my blog-life, triathlon training and knitting. Hubby was being funny and saying that instead of it saying "swim, bike, run, knit" that is should read "swim, bike, run, eat" hehehe. He is so cheeky!
What do you all think of my new banner?
The last week has been spent on training. Running, cycling, swimming, lifting weights has taken over my life. Even hubbers tells me that all I talk about lately is training and all I ever do is head to the gym. Even my daughter this morning pointed out that it wasn't so cold outside so I could probably run outside but that I didn't have a babysitter so I would have to run on the treadmill. I am tired, very tired! Each day around 8pm I feel that I am just going to drop dead on the bed and sleep, then if I don't go to bed then I get my second wind and I stay up til 1am. Some afternoons, I have even taken advantage of cat naps on the couch. I guess being tired is a true signed of training season being in full swing.
Today, I attended my first Masters Swim class. I signed up with one goal in mind, to become more efficient and learn better technique. Well, I am going to get just that, no icing on the cake either. The coach is great, she knows what she is doing, I on the other hand, don't know anything about swimming. I know how to get from one side to the other and back and forth over and over but not efficiently, so I was told. I have a lot of work to do to get better. On the upside, I have only one way to go--up! Humble-pie doesn't taste very good but it may make me a better swimmer. It is difficult un-learning everything and learning a new technique.
Cycling will increase this coming week and since the weather in Cache Valley is still nasty, I am doomed to the trainer. I don't know how I am going to survive 2+ hours on the thing. I have tried movies, I have tried music but 1hr is the most I can make it. Tomorrow, I am supposed to cycle for 2hrs, I am instead going to go to two spin classes back to back.
In the running department, it is a little tricky. The half ironman is only a half marathon distance, however, I have a marathon mid May so I have to train for that first. I guess I will be running a little more than what the half ironman distance calls for, but it should help in the long run.
On knitting news: the new Lexi bag pattern is over at LoomKnit.com and the new free Pattern of the Month is up!


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GBP £47.24 - 59.89 / Lot ( 50 Pieces / Lot )
(US $47.24 - 59.89 / Lot)
Quantity: 1
Shipping Cost: Free Shipping
To United States Via ePacket Est.Delivery Oct 29 and Nov 20
Type: Dual Power & Video Cable
CCTV High Sensitive Microphone Security Camera Audio Mic DC Power Cable Wide Range Microphone For CCTV Cameras DVR
2. Orders processed timely after the payment verification.
3. We only ship to confirmed order addresses. Your order address MUST MATCH your Shipping address.
4. SERVICE TRANSIT TIME is provided by the carrier and excludes weekends and holidays. Transit times may vary, particularly during the holiday season.
5. If you have not received your shipment within 30 days from payment, please contact us. We will track the shipment and get back to you as soon as possible with a reply. Our goal is customer satisfaction!
6.The customer are responsible for the custom tax in the destination country, we are just responsible for the shipping fees.
7.we will choose to ship the products via chinapost,singapore post,hongkong post or other similar post at random if you choose hongkong post as the shipping way,because sometimes hongkong post is very busy,it will only be delayed if we insist on it, hope you can understand
Return & Refund:
1. You have 7 days to contact us and 30 days to return it from the date it was received. If this item is in your possession more than 7 days, it is considered used and WE WILL NOT ISSUE YOU A REFUND OR REPLACEMENT. There are NO EXCEPTIONS! Shipping cost is bear by both seller and buyer in half.
2. All returned items MUST BE in the original packaging and you had better PROVIDE us with the shipping tracking number, specific reason for the return, and your po#.
In addition, pls ship it back via the post office or EMS, or we will not accept it! shipping via DHL,UPS,FEDEX will produce high Custom Tax, we can not bear that, hope you can understand.
3. We will refund YOUR FULL WINNING BID AMOUNT, upon receipt of the item in its original condition and packaging with all components and accessories included, AFTER BOTH Buyer and Seller cancel the transaction from DHgate. OR, you may choose to have a replacement.
4.We will bear all the shipping cost if the product(s) is (are) not as advertised.
Items Guarantee:
1. 12 months Manufacturer`s limited Warranty for defective items (excluding items damaged and/or misused after receipt). Accessories come with a 3-month warranty.
2. Defective items MUST BE reported and returned within the warranty period (and in the original packaging, if possible). You must tell us what the defect is and give us your order number. WE DO NOT REPAIR OR REPLACE ITEMS WITH AN EXPIRED WARRANTY.
You agree to all of the above-listed policies upon ordering on DHgate
•If you are not satisfied with your purchase .please contact us quickly, we exchange one to you,but buyers are responsible for the returning shiping cost .
•If you have any item proplem, just email us quickly, we will try our best to slove it in 24 hours,please don't leave negative feedback before contacting us, it is not the best way to slove proplem. thank you!
•For our VIP buyers get more discount.
About us:
We owned wholesale and dropship company located in Shenzhen, China right next to Hong Kong. Established in 2007, We buy exclusively from Chinese manufacturers who produce comsumer eclctronics,gadgets,and PC accessories.Everything we buy and sell is made in China and now you buy these products direct from China,at wholesale prices.Greensun offers you competitive wholesale / dropship discount prices on all the products you find in our Online Wholesale Shop.
Seller: superstrong
186 Transactions, 100% Positive Feedback


text: Warning: file_put_contents(): Only 0 of 7758 bytes written, possibly out of free disk space in /home/waded1/public_html/wp-content/plugins/comet-cache/src/includes/traits/Plugin/InstallUtils.php on line 349 Warning: Cannot modify header information - headers already sent by (output started at /home/waded1/public_html/wp-content/plugins/comet-cache/src/includes/traits/Plugin/InstallUtils.php:349) in /home/waded1/public_html/wp-includes/feed-rss2-comments.php on line 8 Comments on: Old Chatham RV Resort http://5starcampgrounds.com/old-chatham-rv-resort/ Reviews of RV Parks, RV Resorts and Campgrounds in the United States and Canada. Fri, 26 Jul 2019 00:17:08 +0000 hourly 1 https://wordpress.org/?v=4.8.3 By: Margiescuties http://5starcampgrounds.com/old-chatham-rv-resort/#comment-303 Wed, 08 Sep 2010 14:36:00 +0000 http://5starcampgrounds.com/old-chatham-rv-resort/#comment-303 shanty town of cape cod! trailer trash drunks no respect for other campers. filthy place. garbage and dog droppings galore. bathrooms worse than any gas station you could possibly have ever used. there is no speed limit in park your kids or pets not getting hit is your own responsibility. not a family campground unless you want to expose your children to foul language , drunks and filth. ]]>


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ID Parts Engine LTD
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Description :
Engine Type Four-stroke, four-cylinder inline
Displacement 1,498 cc
Bore and Stroke 83.0 x 69.2 mm
Cooling Inducted water
Compression Ratio 10.6:1
Fuel System Digital Fuel Injection w/60mm throttle body
Ignition TCBI with Digital Advance
Starting Electric
Dry Weight Curb Weight: 844.5 lb.
Fuel Capacity 16.4 gal.
Height 41.3 in.
Length 122.8 in.
Width 46.5 in.
Oil Capacity 5.3 qt.
Rider Capacity 3
Storage Capacity 23.5 gal.
Drive Unit
Impeller Three-blade, oval-edge stainless steel
Pump Jet pump, axial-flow single stage
Transmission Direct drive from engine
Speedometer Standard
3 Years International Warranty


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Top Suggestions 50 Hp Mercury Wiring Diagram 1980 And 1981 :
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Worship at your lowest and worship at your highest
…when we read the Psalms we see that David wrote out of both his high times and his low times. He didn't wait until he felt 'good' or 'righteous' enough before singing to God. He worshipped in both failure and victory…Read More


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GAP FITTED BOYFRIEND - Women's shirt - light blue Casual TF41696
Marc O'Polo FIELDJACKET RELAXED FIT - Summer jacket - dark moss floor Commuting (OL) ZT15109
Make an addition to your new season wardrobe with the Zip Sweat from French Connection. Crafted from pure cotton with a luxuriously soft fleece interior, it features zipped side seams, long sleeves and a ribbed crew neckline, hem and cuffs. Complete with a large varsity-style 'F' printed on the front. Perfect for everyday wear, team with jeans and ankle boots for a stylish Autumn/Winter outfit. 100% cottonRibbed crew neck, hem and cuffsLong sleeved Zipped side seams Fleece liningVarsity 'F' printed on front Machine washSize and FitSize photographed: small Pit to pit: 19"


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India Fashion Week paid tribute to Article 377 judgement by hosting 'Rainbow' show
Oct 14, 2018 15:08 IST
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The Lotus Make-Up India Fashion Week saw a unique tribute to the judgement given on Article 377 on its last day. Fashion Design Council of India (FDCI) presenting the Fashion Week in association with NEXA Spring Summer'19 held from October 10 to 13 at the Jawaharlal Nehru Stadium put up a 'Rainbow' show. Various designers participated in the show and interpreted their designs to showcase their support to the Supreme Court's verdict decriminalising the draconian law. The event was graced by actors Swara Bhaskar and Huma Qureshi who supported the cause.
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'Chhapaak': Here's why Deepika Padukone broke down on her first day of shoot
After a long break post her last release 'Padmaavat', Deepika Padukone is gearing up for 'Chhapaak' which is based on the life of acid attack survivor Laxmi Agarwal. Apparently, the leading lady of Bollywood had broken down while essaying her role on the very first day of the shoot.
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Meghna Gulzar's film 'Chhapaak' follows a very emotional plot depicting the brave journey of the acid-attack survivor Laxmi Agarwal. It looks like Deepika Padukone is quite affected emotionally by the plot of the film. While talking about the 'Chennai Express' actress, a source informed Bollywood Life, "The project is an emotional roller-coaster for Deepika. She broke down on the first day of the shoot. It happened when she was shooting for the first scene and having discussions with the filmmaker. However, Deepika was quick to regain her composure and the shoot proceeded nicely."
The 'Chhapaak' team, who recently started shooting for the film, have already wrapped the first shoot schedule of the film. With this film, Deepika Padukone will also be stepping into the shoes of a producer. The film also stars Vikrant Massey in a pivotal role. Meanwhile, the film is slated to release on 10th January next year.
Also Read: Deepika Padukone starrer 'Chhapaak's Delhi schedule wrap up; Meghna Gulzar shares pictures with the team
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"Extraordinary... a revelation and exaltation of the artistic essence."
"A lyrical and lovingly made documentary." -
The New York Times
"Intimate and exhilarating." -
The New Yorker
"A story of spontaneity, creativity, genius and madness."-
The Miami Herald
"...Memran manages to take us through Irene's extraordinary life, while capturing the essence of what made it extraordinary..." -
NBC News Latino
"A tender exploration of Fornes' life and the meaning of memory."
Conde Nast's
"Fabulous. 'The Rest I Make Up' is as inspiring as its subject."
San Francisco Bay Times
After a successful festival run and a sold-out week at MoMA in New York,
is now available for booking! Here's what Richard Brody had to say about the film last week in
The New Yorker
Michelle Memran's intimate and exhilarating documentary portrait of the playwright María Irene Fornés unfolds the details of their decade-plus collaboration in ample, illuminating discussions between the two of them. Fornés, a crucial theatrical innovator since the nineteen-sixties, speaks of her unbridled self-revelation to the camera, which she calls "her beloved"-and it certainly loves her back. Fornés exerts a hypnotic force of stardom, while her offhanded yet urgent remarks resound with life-tested literary authority. Yet tragedy is built in from the start: Fornés's bouts of memory loss prove to be the onset of Alzheimer's disease. Though her perception and imagination remain vivid and vital, she can no longer recall recent activities-such as a hearty return visit to her native Cuba, which Memran films. The movie sketches the background of Fornés's remarkable life and career with interviews and archival footage, while highlighting her enduring creative inspiration on the wing, long after the end of her playwriting career. - Richard Brody,
The New Yorker
To request a screener, book the film, or for any other questions contact Kristen Fitzpatrick at
About WMM:
From cutting-edge documentaries that give depth to today's headlines to smart, stunning films that push artistic and intellectual boundaries in all genres, Women Make Movies (WMM), a non-profit feminist social enterprise based in New York, is the world's leading distributor of independent films by and about women. Our Production Assistance Program assists women directors with their productions from concept through completion with fiscal sponsorship, consultations and other technical assistance. We work with creative, ground-breaking films which win awards at festivals around the world. Films and filmmakers we have supported have been nominated for or won Academy® Awards in 12 of the past 13 years.


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Close Quarter Combat, Confined Spaces
Join us for an exciting, specialized seminar surrounding close quarter combat in confined spaces – taught by the one and only, Doug Hicks of EastSide Combatives! Topics will cover fighting in a restroom, closet, car or other small spaces where your normal weapons and distance are not available. You will learn grappling and close quarter striking skills to escape or subdue your opponent. There is no charge for this event for PNW Krav Maga and Eastside Combatives students. All members welcome!


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The Little-Known Secrets to Football Prices
Each team should have an adult sponsor who will attend the whole tournament. A team intentionally spikes the ball to stop the clock when they're short in time and have minimum timeouts. You may alter the team names to all the team names in your league. All you need to do is choose the team which you would want to cheer! Basically there should be proof that the quarterback threw the ball free of purpose of attempting to hit a receiver. Not having a great quarterback is bad fantastic luck. Not having a great quarterback is bad excellent fortune.
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The Meaning of Football Prices
Choosing your Personal Alarm With so many diverse Alarms available it's often quite hard to select which Personal Alarm is perfect for your requirements. A personal Alarm is better in case the Alarm has a distinct Keyring to the activation pin as it enables you to throw the pin to the floor in place of the alarm.
It is possible to use any mixture of different size balls to increase focus. Produced from the fiber of high quality and dyed in the team's original colours, these products not just offer complete value for the money but in addition look extremely sporty and fashionable too. Prices change once each day. Also bear in mind how contextual fantasy values have a tendency to be. There's simply way too much value at the place to commit this type of salary in an awful matchup.
Football Prices Fundamentals Explained
Dancing is frequently a contact sport. When choosing football kit fabrics, especially clothes, an individual should choose clothes which help to keep the temperature of the human body low. You will not just get the equipment and supplies you require, but you're also likely to seek out whatever you want to assist you in training, to receive your very best level of game play on the area, when you use the Nike Football Kits to get ready for a game. Therefore, when deciding on which Nike Football Kits you might want to purchase, and where to purchase them, you're going to need to discover the best priced kit, and the one which will provide the tools you will need for your degree of play. The Nike football kit also includes all accessories, gear, and protection, and clothing that a player requirements, so as to boost their game, and receive the best possible excellent training to boost their degree of play. You are likely to discover that the Nike Football Kits are likely to assist you get the absolute most out of yourself in any game, or in any practice where you're attempting to impress the coaching staff, so that you may get to play, or find the start you are looking forward to earning.


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Definition:Retail banking is nothing but banking catering to the multiple requirements ofindividuals relating to deposits, advances and associated services.
To ascertain from the customers the type of bank they would prefer for operatingtheir accounts.
To identify the various types of services offered by bank which the customers arepresently availing.
To check the level of satisfaction about the different types of services offered bythe banks.
To identify the awareness of the retail banking system in the people and theirpreferences.
A.G.I.M.S. Sangli
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Importance of study1. This study will be useful to understanding the practical significance productsand services of the bank.2. It is important study on the retail banking products and services.3. It is also useful to the organization to understand effectiveness of theirproducts and services.
Research Methodology:A Research design is the arrangement of conditions for collection and analysis of data ina manner that aims to combine relevance to the arrangement of conditions for collectionand analysis of data in a manner that aims to combine relevance to the research purposewith economy in procedure.The development of Research plan has the following steps:1. Data Sources:Two types of data were taken into consideration i.e. Primary data and Secondary data.a)
Primary dataPrimary data is the first hand data is collected for the research in the study. Primary
data collected from direct personal interviews and investigation through questionnaire.b)
Secondary data-
Page 2
The instruments are used for the collecting information means the primary data such asthe questionnaire, personal interview etc.3. Sampling:a) Sampling Unit: Survey conducted in Sangli City.b) Sample Size: The sample consisted of 50 respondents. The sample was drawn fromwalk in customers of The Saraswat Co-operative Bank Ltd. The respondents wereselected on the basis of simple random sampling.c) Contact Methods: contacted the respondents through personal interviews.4. Analysis of the information:Research tools used for analysis of data are used for data analysis. i.e. Table, Graphs,Diagrams, Tabulation, Simple average method, Ranking, Weighted average, Percentageetc.5. Presentation of Findings:This was the last step of the survey.
Many of the respondents were so busy that they hardly could give time tocomplete the questionnaire and to discuss.
Page 3
Mr. P.N. Warde, the first Secretary and Mr. Shivram Gopal Rajadhyaksha, the firstTreasurer. These were people with deep and abiding ideals, faith, vision, optimismand entrepreneurial skills. These dedicated men in charge of the Society had acommendable sense of service and duty imbibed in them. Even today, theirhonorable founders inspire a sense of awe and respect in the Bank and amongstthe shareholders.The Bank has the unique distinction of being a witness to history. The Bank,which was originally founded in 1918, i.e. close on the heels of the RussianRevolution, also witnessed as a Society and as Bank - the First World War, theSecond World War, India's freedom Movement and the glorious chapter of postindependence India. During this cataclysmic cavalcade of history, the Bank as afinancial institution and its members could not of course remain unaffected by theeconomic consequences of the major events. The two wars in particular brought intheir wake, paucities of all kinds and realities and stand by its members in distressas a solid bulwark of strength. The Founder Members and the later-daymanagements of the Bank continued to demonstrate their unwavering faith in thedestiny of the common man and the co-operative movement and they encouragedthe shareholders to save despite all odds.Thanks to these sustained and assiduous efforts over 25 years after its inception,the Bank had gained a strong foundation in terms of its membership, resources,assets and profits. By 1942, the Bank was fulfilling all the banking needs of itscustomers.A.G.I.M.S. Sangli
Page 4
During the late fifties, the Bank grew from strength to strength. The Bank hadestablished five branches within the city of Mumbai and one each at Pune andBelgaum. In its 50th year, the Bank chose a bee motif to symbolize the Bank'semblem - a fitting and appropriate characteristic of a Bank that believed in hardwork, a search for all that is good, a team spirit to achieve its objectives andselfless service to its members and customers. The Bank had grown in stature,progressed in its social and economic objectives and produced an image of whatan ideal bank should be. Resultantly, in the year 1977-78, the Bank's gross incomecrossed the Rs.3.00 crore marks for the first time.In 1988, the Bank was conferred with "Scheduled" status by Reserve Bank ofIndia. The Bank is the first co-operative bank to provide Merchant Bankingservices. The Bank got a permanent license to deal in foreign exchange in 1978.Presently the Bank is having correspondent relationship in 45 countries covering9 currencies with over 125 banks. In 1992, the Bank completed 75 years.Platinum Jubilee Celebrations were inaugurated on 14th September, 1992 and theBank also crossed the business level of Rs. 700 Crores.The beginning of the 21st century has been a giant leap forward for the Bank. TheBank chose a path of organic/inorganic growth and our pace of growthaccelerated .The Bank's total business which was around Rs.4000 Crore in 2000almost tripled to Rs.15295 Crore in 2007.In the year 2008, the Bank launched a Branding Initiative. The purpose of such anexercise was to reconfirm the thrust of the Bank on its core values, which can besummed up as a "Sense of Belonging". The name of the Bank should alwaysinspire a Sense of Belonging in all its stakeholders and the Bank continues tofulfill the changing needs and expectations of the customer with unflinching gustoand aplomb.
Page 5
MISSION STATEMENT"To emerge as one of the premier and most preferred banks in the country byadopting the highest standards of professionalism and excellence in all the areasof working"MILESTONESIn the last two decades the Bank has witnessed a steady growth in business andalso taken several Strategic Business Initiatives such as undertaking BusinessProcess Reengineering initiative, merging seven Cooperative Banks and thenconsciously nurturing them.
to make everybody
comfortable once again reiterates the Bank's adherence to "Think Global, ActLocal". The address of our new Corporate Office is as under:A.G.I.M.S. Sangli
Page 6
"Service to the Common Man" has been the motto of Saraswat Bank for thelast 95 years. Bank in spite of its growth in size has been able to offer to thecustomers the dual advantage of "Ability of Big Banks and Agility of SmallBanks"The Bank still continues to function with the glorious tradition in public servicesBesides being the largest Urban Co-operative Bank in India, Saraswat Bank hasnow become the largest in Asia. Saraswat Bank has now 229 fully computerizedbranches as of 31st March 2013, 15 Zonal Offices and departments located across6 States viz. Maharashtra, Goa, Gujarat, Madhya Pradesh, Karnataka and DelhiSaraswat Bank attributes this success to its undying spirit to serve the commonman and to the sharpening of its competitive edge by constantly upgradingtechnology to match international standards. The Bank is fully computerized andoffers convenient workingSaraswat Bank has introduced a wide range of credit schemes at attractive interestrates, which has become very popular, especially among the middle-class in viewof the easy repayment plans. Bank offers attractive interest rates on deposits andalso various add on features at very market competitive rates.
Page 7
Current Accounts
Term Deposit
>>>Retail Loans
Multi-Purpose Loan
Protection Plans
Childrens Plan
Retirement Plans
Health Plans
Page 8
Individual Account
Corporate Account
NRI LoansOverseas (Nostro) Account
Forex Centres
Remittance Services
Corporate Sector:
Trade Finance
Services Sector:
SMS Banking
Easy Pay
Mutual Fund
Share Holders
Miscellaneous Services
Page 9
Cooperative bank. On 1stjuly 2007 Annasaheb Karale Janata co-operative 0Bank whichare situated in Sangli got merged in the SARASWAT CO-OPERATIVE BANK. AlsoOn 1stjuly 2008 the Maratha Bank, Jaisingpur also merged in the Saraswat co-operativeBank at the same branch.
Page 10
Page 11
THEORETICAL BACKGROUND:What is a Bank?A Bank is a financial organization which accepts deposits that can be withdrawnondemand and also lends money to individuals and business houses that need it.Structure of banking sector in India
Figure No.1
Page 12
A) Retail Banking:
Retail banking is the most visible face of banking for the general public. Theseservices are typically offered at the physical brick-and-mortar branches and at theubiquitous ATMs. The delivery channel for retail banking is now no longer restrictedto branches and ATMs but also spans telephone and the fastest growing channel i.e.internet. In fact, some retail banks in the west operate solely via the internet and donot have facilities to serve customers at physical outlets. Generally, however, thebanks that focus purely on retail clientele are relatively few and retail bankingactivities are generally conducted by separate divisions within banks.
Page 13
Typically, retail banking services begin with a target clientele which is the commonmasses and it slowly graduates through a stage which can be called as class retailbanking. The mass retail banking is the stage in which the bank providesstandardized banking products and services to its customers. In this phase the banksattempt to build a sufficiently broad customer base which can serve as a stable sourceof funding. The class retail banking on the other hand, is the stage in which the bankoffers customized products and services targeted at a niche customer segment, thehigh net worth individuals. Retail banking focused solely at a niche customer segmentmay also be termed as private banking.
This is not really confined only to emerging markets but is a global phenomenon. Theconfusion primary emanates from whether the banking services offered forentrepreneurial purposes should be considered as part of retail banking or not. Manyof the banks include the banking services extended to small borrowers and SMEclients also as part of mass retail banking. In my view, the retail banking in its mostbasic form is only about servicing the individuals (mostly the masses) for nonentrepreneurial purposes. The retail banking over a period of time can make atransition to class banking and banking for entrepreneurial purposes for theindividuals, for agriculture or for small businesses (SMEs). This is particularly so asmany aspects of retail banking in terms of delivery of services (large number of smallvalue transactions) and risk management practices (scoring model, model basedcapital assessment) are also applicable to small businesses run by individualentrepreneurs
Page 14
consolidating their branch networks so that they could operate in a more integratedmanner. Mergers and acquisitions allowed banks to grow quickly but, in the absenceinitially of information and communication technologies, their services remained largelylocal.The policy of opening new branches continued throughout the twentieth century as ameans of business expansion, but services were limited to the provision of routineoperations such as deposits, withdrawals and basic loan services. To cope with theincreasing volume of work, and to achieve consistency across branch networks, banksstarted to standardize their record keeping and accounting practices. This also helpedthem to effectively connect branches. Standard record keeping also resulted in theappearance of new professions such as bank clerks. The arrival of the typewriter in thelate nineteenth century helped to standardize internal/external communications, and othertools such as the telegraph made communications between branches and headquarters adaily routine.
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nearly 9000 member-owned banking institutions regulated by the National Credit UnionAdministrationDuring the last decade or so, new players such Internet only banks as well as otherorganizations such as supermarkets have also started to offer retail financial services.While large banks still hold the major market share, these other organizations aremaking significant inroads. The importance of services distribution channels is alsochanging at a rapid pace. In the past the main source of retail banking servicesdistribution was 'brick and mortar' branches. With the arrival of other channels such astelephone banking and e-banking, the number of branches is steadily declining, a trendalso fuelled by mergers and takeovers. Now, most banks choose to deliver their productsand services through multiple channels, including the internet and telephone.The retail banking space proved to be an oasis of relative calm amidst the tumultcaused by the Financial Tsunami that the world continues to grapple with even today.The customer deposit garnered by retail banking represents an extremely importantsource of stable funding for most banks. In this context, it is essential for the banks tokeep pushing the frontiers of innovation and experimentation in the retail banking spaceto survive and also to remain relevant. One of the most essential elements of a strongcustomer bank relationship is the banks understanding of customer needs andpreferences. However, with the massive increase in their size and their customer base,the banks have slowly drifted away from understanding their customers needs andpreferences closely. Further, the proliferation of alternate delivery channels hasnecessitated that banks build their presence across all channels (Omni-channel presence)to offer their services to their customers. As the banks cant probably dictate that theircustomers chose specific channel, the challenges for the banks is to designproducts/systems which are channel/segment agnostic.While retail banking offers phenomenal opportunities for growth, thechallenges are equally daunting. The exacting regulatory requirements on the consumerprotection front, risks from a slowing global economy and increasing customerexpectations mean that banks must innovate to grow. How far the mass retail banking ofA.G.I.M.S. Sangli
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the future would be able to fulfill its socio-economic objectives would in a largemeasure depend upon the willingness of the banks to innovate and reform their businessprocesses and structures for this cause. It is in the banks own interest to be alive to thecustomers interests; else they might have to face stiff regulatory sanctions. Post crisis,several jurisdictions in the developed world have seen public demands for ethicalpricing. In this Facebook and Twitter age, the banks cannot remain oblivious to thepower of the social media which wields enough clout to forcibly reform the outliersthrough negative publicity. Only such retail banks, who inculcate ability to churn outinnovative and differentiated products by harnessing cutting-edge technology, greatlyimprove their productivity and efficiency, bring a fair, transparent and nondiscriminatory pricing and demonstrate a commitment towards fair treatment to theircustomers, would be able to survive and add value to the society Retail loans can berisky when individuals lack purchasing power.
Corporate have their own avenues, e.g. tapping public deposits and issuance ofshares and debentures.
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Retail banking is a concept which is relatively new and all banks are giving thrust toretail banking, it refers to providing banking services to individual customers and focus ison small ticket transactions rather than big ticket transactions. Retail banking has manyadvantages, lets look at some of them
The first and foremost advantage of retail banking is that it increases the overallbusiness of the banks and also helps in improving the brand image because acustomer is more likely to remember a brand when he or she uses it himself orherself rather than just seeing it in newspapers or television advertisements. So forexample in banking if you ask a normal individual about name of bank which hasretail operations then he or she will quickly recognize it but if you ask the sameindividual about some big investment bank dealing with corporate clients havingoperations in many countries chances are individual would not have even heardthe name of that bank because he or she has never dealt with them.
Since in retail banking the ticket size of loan is smaller and if borrower or groupof borrowers becomes insolvent then it does not put that much strain on the bankbalance sheet as opposed to some big corporate going bankrupt because the ticketsize of loan is quite high in case of corporate loans. In simple words one can saythat retail banking gives the advantage of diversification to the bank.
It is easy to sell third party products like insurance, mutual fund and provide othernon-fund based services to retail customers and therefore improve the bottom line
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of the banks without any credit risks which is there if bank depends only on loansas their income and that is the reason why many banks today are focusing moreon non-fund based portfolio rather than fund based portfolio
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Age of respondents8%34%
Interpretation:A.G.I.M.S. Sangli
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There are highest numbers of users of retail banking system in the age group of18-25.
The age group of 60 and above years old were started to use retail bankingsystem.Retail banking system is the banking concept which also includes e-bankingfacility.
b) Gender Factor:Table No 1.bGenderNo.of respondents.
Chart No.1.b
Gender factor.16%GenderMaleFemale84%
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The females are very less in number than men as the user of retail bankingsystem.
But, it is a good sign of Indian economy as well as the social aspects that women areeconomically independent. And also aware about retail banking system.
c) Education of respondents:Table No. 1.cEducation
Professional degree
No.of respondents
Post graduation
4% 4% 20%
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Under graduation user of retail banking system are slightly higher than postgraduate and professional degree persons.
The literacy plays an important role for using retail banking system but also customerswho are less educated are also users of retail banking system and understand itsfunctions.
d) Occupation of respondents:Table No. 1.dOccupation
Self employed
Government service
Private service
Any other
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Most of the users of retail banking system are from private sector.
The government employees have their salary account in PSU banks. All their bankingtransactions are handled from this account. Other customers are attracted towards theretail banking system because of its number of benefits.e) Annual income of respondents:Table No.1.eAnnual income in Rs
Below 1lakh
1 lakh to 4
4 lakh to 8
No. of respondents.14
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The user who has annual income 1 lakh 4 lakhs are large in numbers.
We can see almost all income groups use retail banking system.
As seen in the graph there are more users having income below1 lakh.
There are more opportunities to attract other income group people towards retail bankingsystem.
Both type of
Type of bank
Chart No. 2
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20100Co-operative bank
commercial bank
From the above graph it is seen that from total number of respondents, large number ofpeople prefer co-operative bank over commercial bank.
3) Are you aware of all products and services under retail banking system?Table No.3Awareness
No. of respondents
Chart No.3
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Most of the respondents are aware about the all products and services of retailbanking system.
Fewer respondents are unaware about all products and service of retail bankingsystem.
In the aspect of awareness of products and services of retail banking system, from thesurvey it is seen that some respondents are aware of retail banking system but areunaware of all products and services of retail banking system.
4) From which type of services you are currently using from retail banking system?Table No. 4NRIType of servicesNo. of respondents
Personal banking35
Chart No.4A.G.I.M.S. Sangli
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Corporate banking15
NRI services
Corporate banking
Most of respondents use personal banking service from retail banking system.Such as mobile Banking and deposit schemes.
There are no respondents who use the NRI banking service from retail bankingsystem. In such situation it requires more efforts to attract people towards variousservices and products of retail banking system to get more deposits from NRIsand corporate sector.
5) Which type of products and services you use from personal sector of retail banking?Table No. 5
No. of respondents.2015103
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DEMAT AccountMobile bankingAny other services
Chart No. 5
No. of respondents.
Most of respondents use personal banking service from retail banking system.
There are no respondents who use the NRI banking service from retail bankingsystem.
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In such situation it requires more efforts to attract people towards various services andproducts of retail banking system to get more deposits from NRIs and corporate sector. Inother services, nowadays every bank provides the facility of ATM cards, internet bankingand easy pay to pay the bills..
6) In deposit schemes which type of account you use to make your deposit?Table No. 6Type of accountSaving accountCurrent accountTerm deposit account
No. of respondents29726
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Chart No. 6
Current account
Most of the respondents have their saving accounts for deposit purpose.
Next are the respondents having term deposit account for deposit purpose.
From above chart it is seen that there is a wide scope for savings account schemes. This isvery effective way for low income people to save their income/money in this type ofaccount.7) In which type of saving accounts you make deposit?Table No. 7Type of account
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Campus account
Chart No. 7
While making saving, most of the people use Regular saving account from savingaccount scheme.
Next preferences for Akshay salary account, CUBS account for kids, Campusaccount for college students and janhit account for individually and jointly.
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There are no customers who respondents who have suvidha saving account whichis a zero balance account type.
No.of respondents195
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Chart No. 8
Term depositors20181614121086420
Most of the people prefer fixed deposit scheme for term deposit purpose.
Next preference is for recurring deposit scheme for term deposit purpose..
Very low response is occurs for madhukar tax saving deposit scheme.
The bank has always attracted the people of all income groups when it comes for termdeposit schemes. It is one of the most preferred non- marketable modes of investment.9) While making deposits which factor will you prefer?Table No. 9FactorsHigh Interest rateLow riskA.G.I.M.S. Sangli
Highly preferred44
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Low preferred17
TrustGood returns
Chart No. 91614121086
Highly preferred
Low preferredreturns
This analysis shows that trust on banking system is most preferred factor ascompare to other factors like high interest rate, low risk and good returns ondeposits by the customers while make deposits.
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Also high interest rate, low risk, good returns are also preferable factors by thecustomers for making deposits.
While make deposits people usually prefers rate of interest, low risk, and trust on bankand good returns on deposits.
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Type of loan
Chart No. 10
Retail loans
Most of the people take vastu siddhi housing loan from retail loan scheme.
Next preference of retail loan is for multipurpose loan scheme, then for
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Superfast car loan and sajawat loan for house repairs and renovation.
There is no response for saraswati education loan, Pravasi travel loan andgold loan.It is seen that multipurpose loan has demand after the home loan. The
interest rate for loans and repayment facilities are attract the more customers. Thecustomers are not aware about the education loan, pravasi travel loan, and gold loan.
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Percentage0% to 25%26% to 50%51% to 75%76% to 100%
No.of respondents7953
Chart No. 11
Repay of loan0% to 25%
26% to 50%
51% to 75%
76% to 100%
Most of the borrowers repay their loan to the bank at 26% to 50%.
Very less number of borrowers repays their loan to bank at 76% to 100%.
From the graph it is seen that, Bank have to take more efforts on collecting the loanamount as early as possible.12) Which plan you have chosen for insurance?Table no. 12
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PlanProtection planChildren's planRetirement planInvestment planHealth plan
No.of respondents31051
Chart No. 12
Plans of InsuranceProtection plan
Children's plan
Investment plan
Health plan
Retirement plan
Next preference is for protection plan, next is Childrens plan and health plan.
Insurance is the best way to protect from uncertain risks. And also now a dayspeople arepreferring insurance policy for the investment purpose.
Table No. 13A.G.I.M.S. Sangli
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Payment of premiumYesNo
No. of respondents91
Chart No. 13
Payment of premiumYes
It is very good sign for banks point of view that policy holders are paying their premiumof insurance policy regularly.
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No. of respondents.347
Chart No. 14
Very few number of respondent investing in mutual fund through the bank.
High number of respondents does not mutual fund investment facility through thebank.
Bank has to give more efforts to attract people towards mutual fund investment throughthe bank. After investments in bank investors prefer the mutual fund sector for goodreturns.
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No. of respondents.10
Chart No. 15
10.90.80.70.6No. of respondents.
It is seen that there is only one respondent is accurse in survey who have Demat account.And also he is satisfied with Demat account facility.It is necessary for the bank to attract more customers towards Demat account facility tomake them aware to transact their shares operations through electronic form.
Table No. 16A.G.I.M.S. Sangli
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Type of accountIndividual accountCorporate account
No.of respondents10
Chart No. 16
As per the survey there is only one Demat account holder who has individualaccount of Demat.
It is not good sign that is unawareness in the people about Demat account systemIn which the operations of shares of any investor customer through this account facility.17) Which type of NRI services you usually use?Table No. 17NRI ServicesA.G.I.M.S. Sangli
No. of respondentsPage 45
NRI DepositNRI loansRemittance
Chart No. 17
It is seen that there is no NRI customer who have NRI Deposits in the bank.
There is no NRI customer who takes NRI loans from the bank.
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For achieving the economic growth of India there is need of increasing foreign reservesby accepting NRI deposits and giving loans to NRI so that bank have to make moreattractive policies to attracting NRI customers towards the Indian bank.
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Type of servicesUdyoginiMicro finance self-help
No.of respondents0
Enterprise (SMEs)TradersTrade finance
Chart No. 18
Very less people use services related to the small medium enterprises.
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There is no respondent found for Udyogini, Micro finance self-help group andtrade finance during the survey.
For achieving industrial growth, bank have to give more attention on corporate relatedproducts and services, and make people aware about products and services of corporatesector of retail banking system.
19) Which type of other corporate service you take from corporate service?Table No. 19A.G.I.M.S. Sangli
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Type of serviceWorking capitalCorporate loanTerm loanExport financing-Pre
No.of respondents254
Chart No. 19
Most of the respondents take corporate loan from corporate sector relatedproducts and services.
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Next preferable corporate product taken by the customers is term loan, thenworking capital and next is property loan.
Most of the customers are unaware about the Export Financing, Import finance,Bank Guarantee, Bill discounting, letter of credit, rental loan etc. Products of thebank.
Retail banking system provides more beneficial services and products to the growth ofcorporate sector.
20) Which type of services you usually use from Retail banking system?Table No. 20
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Type of services
Chart No. 20
SMS banking
Easy pay
Mobile banking
Internate banking
Mutual fund
Demat accountfacalty
Most of the people use mobile banking service from retail banking system.
Next SMS banking, VISA debit card or ATM card facility, easy pay, Internetbanking.
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Bank have to give more efforts for people make know about the retail banking services.Time savings facilities which are widely used.
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No.of respondents491Chart No. 21
Large numbers of people are satisfied with the products and services of the bank.
Very less number of people does not satisfied with products and services of bank.
Retail Banking is recent but most useful and time saving system in doing bankingoperations. So that, most of the respondents are satisfied with retail banking system.
22) Do you think that there is any need of improvement in Retail banking system of thebank?
Table No. 22A.G.I.M.S. Sangli
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No.of respondents1139
Chart No. 22
Need of improvement.403530
Few respondents think that there is need of further improvement in retail bankingsystem.
From the survey it is observed that most of the people satisfied with products andservices of retail banking system rather some of them wants further improvement in itsoperations.23) If yes, give ratings on following basis,Table No. 23FactorsA.G.I.M.S. Sangli
Highly ImprovedPage 55
SecuritySpeed of Process
Chart No. 23
ImprovedHighly ImprovedNot much ImprovedInternetbaDnkebinitgcard/ADTMematcardaccountfacility
Most of the respondents think that retail banking gives security bankingtransactions but also some of the respondent things there is more need of securityin this type of banking system.
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Most of respondents are accepted that retail banking system helps in minimizingdocumentation while doing banking operations.
Internet banking facility is also improved in this retail banking system. But someof the respondent says it is not highly improved service due to unawareness of itstechnical use.
Most of the respondent thinks that mobile banking facility is highly improved. Bytaking banks service application on their smartphones.
Debit card or ATM card facility is highly improved; there is no need of furtherimprovement.
Most of the respondents agree that retail loan scheme is much improved. But alsosome of the respondents think that there is need of improvement.
24) Do you think that Retail banking system helps you to make easy and fast bankingoperations?Table No. 24
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No. of respondents491
Chart No. 24Yes
Most of the people think that retail banking system is very easy and fast process.
Very less people think that retail banking system is not easy and fast process.
It is very good sign that most of the people appreciate the benefits retail banking system.
25) How important are the following benefits to you being a user of retail bankingsystem?Table No. 25BenefitsA.G.I.M.S. Sangli
Very Important
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Easy to operateFast processLow riskTranceperancy in
banking system.
Chart No. 25
Very HighPartially Highlow
Almost all the customers using retail banking system due to the benefits such asEasy to operate, Fast process, Low risk, tranceperancy in banking system.
Retail banking system is widespread concept and practice for operating bankingtransactions by providing such benefits to the customers.
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Senior citizens, women, less educated people are also taking initiative to avail retailbanking services for their banking transactions. These customers are getting awareof such services which is observed from the survey.(Table No.1)
Most of the people prefer co-operative bank for their savings as well as opting loanand other facilities. (Table No.2)
Many of the customers are aware about all the products and services of retailbanking system but it seen most of them are only aware about it but they do not usethose products and services.( Table No. 3)
Most of the user of retail banking system are using the products and services ofRetail banking system for personal and corporate purpose but there is not a singleNRI respondent found in the survey.(Table No.4)
Almost all the customers are using products and services of retail banking systemexcept NRI/ Forex services. (Table No.5)
There is large scope for saving accounts than other schemes of deposit.(Table No.6)
While making deposit customer give more preference to the trust factor and goodreturns on investment.( Table No. 9)
Most of the borrower repay their loan to the bank about 50%.(Table No. 11)
Many of the customers are unaware about the Demat account facility.( Table No.15)
In corporate sector, corporate loan taken by more customers. (Table No. 19)
Most of the respondents are using retail banking products and services and also theyare satisfied with retail banking system.( Table No.20,21)
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Retail banking system gives more benefits to the customers as easy to operate, fastor time saving banking process, low risk, and tranceperancy in banking operationsetc.( Table No. 24, 25)
Retail banking system gives more benefits to the customers so that people musthave to pay attention on awareness of retail banking system.
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Most of the people are not aware about all the products and services of retailbanking system for that purpose bank have to give more efforts to make peopleaware about retail banking system by the way of promotions or advertisementmedia.
Bank has to teach people about the benefits of retail banking system to theircustomers.
Bank has to give extra efforts to attract NRI customers towards the bank which isvery helpful for the prosperity of bank as well as to the countrys economy.
Bank have to make people aware about each and every products and services ofretail banking system to making banking operation easily and also fast.
Bank can create saving account scheme especially for farmers with good features.
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Basic banking services such as deposits for safe keeping, saving, or borrowing forpersonal or business use is as old as human civilization, but after that, recent system inbanking operations is arrived is called as Retail Banking System.Retail banking system is very beneficial banking system not only for banks but alsofor the customers. Most of the people prefer co-operative bank to make their bankingtransactions. In retail banking system almost all the banking operations are happenedthrough the internet network and recent developed and computerized technology.Retail banking system gives satisfaction to its user but customers wants more securityfor their online or internet banking operations.So, Retail banking system is beneficial banking system of these highly developingand rapid changeable banking trends to survive in this competitive era of banking sector.
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text:
Reed Alexander's Horror Review of 'Phantoms' (1998)
Two hams doth not a horror make...
I remember this being a pretty bad movie when I was a teenager growing up. I watched it again to determine if it was a good-bad movie or just another Ben Affleck bomb. I mean, Ben Affleck has a lot of bunker busters under his name, so it was kind of hard to set aside my memory of him and my memory of this movie.
And you know what? If it wasn't for Affleck and Rose McGowan totally hamming their lines, it would've been pretty good horror. Just about everything in this movie is done right, so far as horror goes. The practical FX mixed with the CGI are well done, the atmosphere is amazing, the tension is only broken with the hammy acting, and outside of Affleck and McGowan, the acting is actually pretty good. And let's face it, even with Affleck and McGowan at their worst, they're still doing better than can be expected of the good ol' horror standard.
Outside of all that, I have to say, it's kinda a fun movie. While I do have a FUCK TON of complaints (see spoilers below), I was able to enjoy this megaton bomb... even if I had to riff it a bit to get through some scenes... but hey, that's half the fun, right? So I can recommend this movie for horror heads and I can recommend it for riffers, but if you're an H.P. Lovecraft fan, you're going to have a bad time. It didn't disrespect Lovecraft's mythos, so much as it pissed all over it and tried to outright replace it. And that brings me to my complaints...
Look, I know Affleck and McGowan were big names at the time, but you had three other VERY good actors besides those two hams, who actually carried their roles well. So, why did you give the lead to the two hams? What the actual fuck, man?
I also get that you couldn't secure the rights to Lovecraft materials, and I know that this was supposed to be an homage to Lovecraft and his creation, The Nyarlathotep... but did you have to give it such contemporary Anglo Christian names as Satan and Beelzebub? I mean really? There is absolutely nothing Satanic about the story here and if "The Ancient Enemy" absorbs the knowledge of everyone it eats, then it would know it has NOTHING to do with that mythology, or it wouldn't have at least patterned its behaviors that way.
The thing is, this creature is clearly set up as orchestrating its own becoming, so they could have: A) have created its image in a unique way that they wanted, or B) followed a homage to The Nyarlathotep. But for some fucking reason, they threw all of that marvelous mythos out the window. And for what? Some lame petroleum beast that thinks it's Satan?
So, we basically got this thing that was the Blob with absorbed intelligence like John Carpenter's The Thing, but also had a God complex. Trying to smoosh those concepts together and having it call itself Satan just comes off as unimaginative and secondhand.
I mean, "The Ancient Enemy" is pretty fucking cool in the right light, you just needed to really give it the extra effort. The concept of a creature that is responsible for mass extinctions and disappearances is fascinating, even without having to place Lovecraft's name on it. Frankly, there's a lot you could do there and it's perfect for a series, let alone just one movie.
I'm not saying this movie isn't worth watching. At least it's good for riffing. Nothing can be done about the director's choice in lead casting, but it's a fun movie all the same. I give it my recommendation—but just to horror heads and riffers.
I'm the foulmouthed horror movie critic. I post new reviews every Wednesday and Sunday, so stay tuned =D


text:
California is the first state to begin the phase out of 60-watt incandescent bulbs, Here's what you need to understand about this new standard of efficiency.
Welcome to my blog. I document my adventures in travel, style, and food. Hope you have a nice stay!
All tagged cfl light bulbs
California is the first state to begin the phase out of 60-watt incandescent bulbs, Here's what you need to understand about this new standard of efficiency.
With the expansion of cost effective LED lighting, and GE announcing their plans to phase out CFLs by the end of 2016 CFLs may be on their way out.
Light output, energy efficiency, and life-span are vital guidelines that must be met for an Energy Star rating. Learn about these standards and how they work.
These four CFL lighting terms will help you better understand what you're looking for so you can make better purchase decisions for your home or business.
Whether it's a casual dinner or an upscale meal, lighting plays a major role in the experience. Learn how to use lighting to make the most of your restaurant.
Whether it's a tiny coop or a large barn, lighting is vital to the health and vigor of poultry. Learn about the best lighting sources for chickens.
A quick search for CFLs can bring up so many different types to make choosing the right one easy. Learn about the different types of CFLs in this post.
While cleaning your light bulbs might not be at the top of your priority list, doing so is an easy way to make your room appear up to 20% brighter.
The prospect of upgrading to LED light bulbs is still difficult for many due to price. Moving from Incandescent to CFL is a good way to start upgrading.
CFLs and CCFLs may look similar, but they do have their differences. Read about the advantages and drawbacks for each one in this article.
When it comes to CFLs and LEDs, there have a lot more differences than what meets the eye. Read about the differences between the two.
As lighting efficacy standards continue to change, traditional bulbs are struggling to keep up. In this post, we'll show you how much you can save by switching.