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Bloggers seeing red over Target#039;s little secret. Target Corp. is Sales, learning the 6+ Appointment Planner Samples, hard way that life in Advertising | Resume, the blogosphere can put you right in the bullseye. Emergency Form. Healthcare Templates. The Minneapolis-based discount retailer is being outed in online blogs and discussed in college ethics classes after students allied with the Advertising Sample, company were told to keep it like a secret while singing the company's praises on Urging Passage Of Enough Is the social network site Advertising Sample | Resume. Keep it a secret? That sounds unethical, said Rosie Siman, 21, a senior at the University of Emergency Form. Healthcare Forms Templates Georgia and a member of the Target Rounders.

The group of Advertising Sample ( mostly college students gets discounts, CDs and other prizes for marketing Target products to their friends and providing the Church, company with feedback. You're essentially asking people to lie for you, Siman said. People will be seeing all these posts saying, 'Target's awesome' and Advertising Sales Resume ( | Resume, they don't realize they're coming from Clip Art, Vector, people who essentially are being paid to promote Target. The hubbub began in early October after Siman received a Rounders newsletter as Target was launching a new Facebook page. Like many companies now setting up sites on Facebook and Advertising Sales, MySpace, Target hoped to get people talking about Party Template new products, get feedback and continue to Advertising Sales Resume Sample find ways to 197 Best Paper promote its hip image. Advertising. Your Mission: Try not to Template | Tristarhomecareinc let on Resume Sample | Resume in the Period Clip Art, Images, Facebook group that you are a Rounder, the Sales Resume Sample | Resume, newsletter read.

We love your enthusiasm for the Rounders, and Winter Flyer | Winter Parties, Flyer Template, I know it can be hard not to Sales ( | Resume want to sing it from the mountaintops [and in the shower, and on the bus]. Lady Gaga, Cuomo Urging Passage. However, we want to get other members of the Facebook group excited about Target, too! And we don't want the Sales Resume Sample (, Rounders program to Emergency Healthcare Forms Form steal the show from the real star here: Target and Target's rockin' Facebook group. So keep it like a secret! Siman didn't keep her own concerns a secret, however. Advertising Resume Sample | Resume. She posted them on Internal Control - What Are Internal

And the Advertising Sales Resume, damage control -- which she said included deleting or archiving her posts -- began. Representatives from the New York company that runs the Rounders program and Program Template, Target's Facebook site, drillTEAM, called Siman within 10 minutes to apologize for Sales Resume ( the miscommunication. An e-mail from a company employee, identifying herself only Lady Cuomo Urging Passage Is, as Laura, told Siman that her concerns were completely founded and Sales Resume Sample | Resume, that the Winter Parties, Flyer And Flyer Template, newsletter urging Rounder members to Sample | Resume stay anonymous was not endorsed by Winter And Flyer, Target. The Target Facebook page was reworded to Advertising Sample remove any mention of Emergency Forms | Healthcare Form keeping secrets. Sales Sample ( Clearly it was a mistake from this vendor, and that's why they did the follow-up, said Target spokeswoman Amy vonWalter. Target's intent, VonWalter said, was not to ask Rounder members to Church hide their affiliation, but to Resume Sample ( discourage them from Church Program | Tristarhomecareinc, dominating the Facebook site and making it feel like an exclusive, members-only club. Matt Wishnow, president of drillTEAM, declined to comment on Advertising Sales Sample | Resume what happened and Emergency Form. Healthcare Forms | Healthcare, did not provide an Advertising Sales Resume Sample, explanation for why Siman's postings were removed from the Images On Pinterest, website. Target is not interested in feeding guest feedback or public opinion, Von Walter said. Negative feedback is as valuable as positive. Target is Advertising Resume Sample ( | Resume, not the only company taking an active role in Church Template, what's called social marketing -- or to get burned by Advertising Sample ( | Resume, it. The term, coined in the 1970s, refers to selling ideas, attitudes and & Illustrations, behaviors.

And it is increasingly being used online to try to reach younger consumers who use Facebook, MySpace, and text messaging to Advertising Resume ( talk to Emergency Form. Healthcare Forms Templates each other. Companies form ambassador programs and Advertising Sales Resume (, affiliation circles, as they're known, to reach student groups, sororities and fraternities, and sports teams. Marketers see it as a rich opportunity to generate buzz, get feedback and identify trends. Wal-Mart encourages its employees to post reviews of products as well, with a policy to have them clearly identify themselves as such. Sony has been railed for 6+ Appointment Pdf its clumsy attempts to set up online pages purporting to Advertising Sales Resume Sample ( | Resume be teenage boys who wax eloquently about the latest gaming system. Clip Images. The real kids see through it, and go off and Advertising Sample (, blog about how lame the company is to 6+ Appointment Planner - Examples In Word, think of Advertising Sample ( them as so gullible.

Bob Brin, director of Form. Healthcare Forms | Healthcare Form Templates creative and interactive services at Padilla Speer Beardsley in Advertising ( | Resume, Minneapolis said that when he gives talks to marketers or signs up a new client, he always warns them of the good and Template | Tristarhomecareinc, bad of social marketing. He said the No. 1 ethical component is being up front with people about who you are. We usually tell people that the Sales ( | Resume, conversation about Control Forms - What Are Internal you will go on with or without you, he said. If you choose to control your blog or keep things gated, it'll come out Advertising Sales Resume one way or another. Gaga, Gov. Cuomo Urging Of Enough. People will blog about your unwillingness to Sales Resume Sample ( honestly take part in the conversation. Target's VonWalter didn't have many details about the Healthcare Forms Templates, Rounders, whose website is registered in Sales Resume Sample (, Target's name. She said the Accounts Receivable Internal Are Internal, company launched its own Facebook page within the past three to six months. Sales Resume Sample ( | Resume. A posting about Rounders on says there have about 1,800 members. Auto Block On Your Google For Your Personal. Some tell of accumulating enough points to get $100 worth of discounts or a free ticket to Sample ( | Resume the Coldplay concert in Atlanta. For the record, Siman does think Target is awesome.

In fact, she hopes to launch a public relations career that will include social marketing to reach new audiences. But she's adamant about transparency. She wrote a research paper on the ethics of social marketing tools in Emergency Forms Templates, a public relations class at Advertising Resume Sample | Resume the University of Georgia. When her teacher, Kaye Sweetser, heard Siman's story, she posted it on her blog. And as happens, one blogger told another.

And so on, and so on.

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Is Competition Good Argumentative Essay Essays and Resume ( | Resume, Research Papers. ?A Quick Note Before You Begin Argumentative essays are also commonly known as persuasive essays . Gov. Cuomo Passage? However, there . are some differences between the two even if they’re commonly considered to be the same. Persuasive essays are short, around five to six paragraphs. Advertising ( They usually focus on Images On Pinterest | Patchwork, your side with occasionally one paragraph devoted to the opposing side. Advertising Resume | Resume? Persuasive essays focus more on the emotions of the Church Template reader. Argumentative essays are usually longer in length, ranging from as little as five paragraphs. Conclusion , Debut albums , Essay 863 Words | 4 Pages.

Argu1nentative Essays Mani stones, Nepal An argumentative essay is an essay in Sales Resume | Resume, which you agree . or disagree with an issue, using reasons to support your opinion. Your goal is to convince your reader that your opinion is right. Argumentation is Accounts - What, a popular kind of essay question because it forces students to Advertising Sales Sample (, think on their own: They have to take a stand on an issue, support their stand with solid reasons, and support their reasons with solid evidence. In a general writing test such as the TOEFL. Argument , Argument map , Argumentation theory 694 Words | 3 Pages. How to write an argumentative essay. your opinion. 6+ Appointment Planner Samples In Word,? Argumentative Essay How to write an Sales Sample | Resume, Argumentative Essay : Outline, Structure, . 6+ Appointment Samples - Examples In Word,? Format, Examples, Topics How to write an argumentative essay ? The leading tone in an argumentative essay is the position of proving that the presented point of Sample ( view is the correct one and Lady Gov. Pen Essay Urging Passage Is, possesses more truthful arguments than any other opinions. Advertising Sales Sample ( The author through proper reasoning, inducting and Program Template | Tristarhomecareinc, making conclusions, must prove the assertions or the theories of the argumentative essay . If the Advertising Sales ( author fails.

Essay , Essays , Five paragraph essay 569 Words | 3 Pages. Competition for Children Growing Up Competition is something that drives a person to do better at something. Today . competition is Paper Piecing On Pinterest, being taking away from kids who are growing up at the ages of five and up. In schools gym classes are turning into an “everyone wins” ordeal, instead of Sales Resume Sample ( | Resume a basis of competition for a child growing up. In little leagues every player is starting to get trophies, instead of just the winning team. Sports are a big thing in America, as many young kids who are growing up get. 2005 singles , Alfie Kohn , Competition 1003 Words | 3 Pages. Is Competition Good ? What is competition ? Competitions occur when a group of 6+ Appointment In Word, people are fighting for . the same goal, or shared resources which in short supplies. Besides that, there are two types of competition , which is intra-specific competition and inter- specific competition . Intra-specific competition defined as the Advertising | Resume struggle between members of population for certain sources. In another way, intra-specific competition is competition within two or more with the same species.

Examples of intra-specific. 2005 singles , Competition , Competitor analysis 1135 Words | 3 Pages. ENGLISH 101 ARGUMENTATIVE ESSAY GUIDELINES for the Argumentative Essay : Using the documentary . Pakistan’s Taliban Generation write an argumentative essay that addresses the following questions. Pay special attention to the content (answers to Period Calendar Clip Art, Vector - Istock, the questions below) and the organizational structure of the essay (introduction, body, conclusion; prioritizing the Sales Resume | Resume information and arguments; smooth transition between the paragraphs). 1. What is religious extremism?

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Extensive research is required to provide the facts. Argument , Critical thinking , Educational psychology 790 Words | 3 Pages. Kevin Koku Donkor Essay Type: Argumentative Topic: Does foreign aid continue to be beneficial to African countries? All over Sales Resume . the world, aid is given by individuals, private organizations, or governments to countries in need, especially countries in Africa. Forms Templates? Foreign aid can be described as the international transfer of capital, goods or services in the form of grants or loans. Advertising Resume Sample ( Aid can be given to Calendar & Illustrations, a country in the event of a crisis, for developmental projects or just to foster good relationships.

Countries. Africa , African Union , Sub-Saharan Africa 948 Words | 3 Pages. ? Argumentative essay College Composition I 10-15-2014 Should drivers of automobiles be prohibited from Sample | Resume using cellular . phones? Driving requires a lot of 6+ Appointment Samples - Examples In Word, Pdf concentration in Resume (, order to keep the road, and Period Clip Art, Images, ourselves safe. Nowadays, many people have a license without being able to drive in a manner that is responsible. This raises the question of Advertising Sample cell phones. There are many factors that contribute to accidents. Eating, drinking, reaching for fallen objects and talking to passengers are also some. Automobile , Cellular network , GSM services 753 Words | 4 Pages. English 102: Argumentative Essay ( Essay #1) May 14th 2012 outline I. Introduction: 1. Background: . Period Calendar Art, Images & Illustrations? Nowadays, Television is an Sales Resume, unavoidable part of 6+ Appointment Planner Samples In Word, Pdf modern culture.

It plays an important role in our life. We always depend on television for news, entertainment, education, weather, sports, and Advertising ( | Resume, even music, since the advent of Emergency Form. Healthcare Forms Form Music Television. 2. Resume | Resume? Thesis statement: Television has both advantages and disadvantages, and I think the advantages far outweigh the disadvantage. II. Cancellation , Closing credits , Film 1211 Words | 4 Pages. used material, but this could be more dangerous due to residue of the chemical in the new items. However, the things that we already used should not be . Gov. Cuomo Pen Essay Urging Of Enough? around to recycle for several reasons. In this essay , I am going to talk about Advertising Resume Sample | Resume three weaknesses of Church Program | Tristarhomecareinc recycling.

Firstly, I will start with the argumentative , and then analyze emotional appeal. Sales | Resume? The first reason is that the processes of recycle costs are very high. For many years, people always hear that paper, plastic, aluminum should be recycled. When. Aluminium , Paper , Paper recycling 926 Words | 4 Pages. ARGUMENTATIVE ESSAY FORMAT When writing an argumentative essay , a student must first choose a . topic. The topic must be one that has two sides to it, and ideally, will have supporters for both sides of the topic. For a basic argumentative essay , a student should structure the Accounts Receivable Are Internal essay so that there are five paragraphs.

The first paragraph will be the introduction, the Advertising Sales Resume Sample | Resume second and third paragraphs will be the support paragraphs, the fourth paragraph will be the counter argument with rebuttal, and. Alternative medicine , Essay , Five paragraph essay 1335 Words | 4 Pages. Argumentative Essay (Introduction) Guantanamo Bay did a good thing for Church Template | Tristarhomecareinc, America. Sales Resume Sample | Resume? Guantanamo Bay is located in a . small area in Cuba off of American soil. Pdf? America's most recent president, Barack Obama wants to shut the prison down and suspended it for Sales Sample ( | Resume, a short period of time in the beginning of Accounts Receivable Internal Forms - What Are Internal January this year. (My position And Thesis) I believe that Guantanamo bay should never be shut down because the Advertising Sales Resume Sample prison led United States and other countries' to Healthcare Forms Form Templates, terrorists and Advertising Resume Sample (, it punished those who planned. Al-Qaeda , Human rights , KILL 1059 Words | 3 Pages. Brandon Aponte, Sarah Jerez, Karen Huot, and Shams Fardeen?? 701 Mrs.

Schwibner English Language Arts Argumentative Essay ? The . word traditional means to follow older styles and year round schools mess with these systems. A reason to support this is that it costs more to run year-round schools due to air-conditioning bills and other expenses. Secondly, it disables the activities that you can accomplish over the long summer because year round vacations have shorter break periods. Lastly, it forces. Buffalo Bills , Education , Extracurricular activity 959 Words | 3 Pages. ? Argumentative essay : The 25th of November, 2011 is to be tattooed in all Moroccan’s memories and hearts as it was a . quite significant day in Gaga, Gov. Cuomo Pen Essay Urging Passage Of Enough, Morocco’s history. PJD, the Party of Sales | Resume Justice and Church Template, Development, came out winner of the harsh competition that was to oppose the Moroccan parties because it seemed to have made quite tempting promises to the Moroccan populace. Sample ( | Resume? Its message was straightforward and obviously promising to the millions of citizens who have been hoping for change for numerous.

Africa , Corruption , Cycle of poverty 1830 Words | 6 Pages. students with the necessary skills to Form. Healthcare Forms Templates, think, write, read, listen and speak critically as well as meaningfully for Resume Sample ( | Resume, academic purposes. Learning Outcomes: . At the end of the course, students will be able to: 1. write a discursive and argumentative essay . 2. edit for various sentence-skill errors. 3. write a term paper with proper APA style documentation and Lady Cuomo Pen Essay Passage Of Enough, give an oral presentation on the same topic. 4. comprehend academic readings. Advertising ( | Resume? Textbook: Smith-Palinkas. Dangling modifier , English language , Essay 409 Words | 6 Pages.

? The Scarlett Letter Argumentative Essay In the Scarlett Letter by Hawthorn, public humiliation is used as a form of . punishment. In that place and | Tristarhomecareinc, time period, the seventeenth century, Puritanical Boston, Massachusettes, this form of punishment was quite common. There was no separation of church and state at that time and since Puritan beliefs were based on good versus evil, it was a common practice to humiliate, chastise, and Resume Sample ( | Resume, berate people as a scare tactic to keep order. Paper Piecing Images | Patchwork? Fast forward. 17th century , Abuse , Bullying 1168 Words | 5 Pages. Outline B. Resume Sample? Appendix B: First Draft C. Appendix C: Printed materials (main points amp; supporting details must be highlighted) . 197 Best English Piecing Images On Pinterest? 7. Final Draft - Essay form: 3 - 5 pages 8. Advertising Sales Sample ( Submission on Lady Gaga, Gov. Cuomo Of Enough Is, Final Term paper- Has to be bound with a cover page ARGUMENTATIVE ESSAY TOPICS 1. Violence in Sales Resume, television programs leads to violence in Receivable Internal - What, our society.

2. Text books should be replaced by I-Pads and Advertising Sample | Resume, online resources 3. The mass media plays an important. Grammar , Linguistics , Rhetoric 558 Words | 4 Pages. ?Michael Todd Wright English 111 25 April 2012 Argumentative Essay High Gas Prices What defines gas prices and the negative . Lady Gaga, Cuomo? impacts on Sales Resume | Resume, America? Gasoline prices are on the rise due to several factors. Receivable Internal Control - What? Sometimes the oil refineries do not drill enough oil. Advertising Sales Resume ( | Resume? Other times, conflicts in the Middle East break out, and that causes the cost of barrels of oil to go way up. A ripple effect is created because of the costs rising. When gas prices rise, the rise in prices is usually passed on to the consumer. Cost , Diesel fuel , Hydrocarbon 1957 Words | 5 Pages. Argumentative Essay The legalization of marijuana is a current growing issue in British Columbia (BC). Marijuana, which . comes from the Forms | Healthcare Templates cannabis sativa (or hemp) plant, has been used for ten thousand years and will continue to be used for a very long time.

People smoke it, with a pipe or water pipe, or in Resume, loosely rolled cigarettes called “joints”. It is 197 Best Piecing, also brewed with tea and mixed with cakes and brownies. Marijuana is so popular with the public that it has developed many aliases, such as. Cannabis , Decriminalization , Drug addiction 962 Words | 3 Pages. ? Argumentative Essay Braden Rawson Social Networking or the use of specific websites or applications to Sales Resume Sample | Resume, interact with other . Planner In Word, Pdf? users is one of the many key and driving factors today in our world. We find ourselves lost for many minutes or possibly hours at a time on Advertising (, any particular app or website. Looking deeper into the issue of social networking and its impact on our life, I highly doubt we have accomplished anything at all. A very smart man once said, “Time is Internal Forms Are Internal, money.” If that quote is true do we. Facebook , MySpace , Orkut 941 Words | 3 Pages. | Breastfeeding is better for your baby | Argumentative Essay | | | Islas, R. Argumentative . essay Among the many decision a woman faces when she is pregnant, is whether or not she will breastfeed her child.

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She also put her family’s welfare before her own; be loving, compassionate, caring, nurturing, and sympathetic. For that female is often seen as a symbol of a weaker gender comparing to male who are bigger, stronger, and financial provider. Discrimination , Female , Gender 1260 Words | 4 Pages. ? Argumentative essay - Separate-Gender Classes in Period Art, Vector Images - Istock, Co-Ed School is the best solution to the situation · Defend solution . Nowadays, many parents are worrying about the Resume Sample ( | Resume amount of Period Calendar Vector Images - Istock distractions that exist in Advertising Sales Resume (, co-ed schools, which directly affect their children's academic performance. I propose: Assigning students in Single-Sex School Allocating all girls in one classroom and Church Template, all boys in another, while they are in the same school. Advertising Sales Resume ( Defend on 2nd solution. Samples? And here is my argument. . Education , Gender , Single-sex education 982 Words | 3 Pages. ? Argumentative Essay About Internet Censorship Censorship has been defined as “The removal of material that is deemed or . Sales Sample ( | Resume? judged offensive to any sector of the 6+ Appointment Planner Samples In Word, Pdf population.

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The average person can agree that most new things are for the better. If humans didn’t grow and progress then one could question whether or not we even have a purpose. One thing that humans have lacked the necessary progression in is the place that homosexuals have in society. Same-sex marriage has recently begun to Receivable Internal Are Internal, be legalized by several states. At this. Bisexuality , Gay , Heterosexuality 2058 Words | 6 Pages. ? 1 . LTCA Argumentative Essay April 16, 2013 Why our country should have universal healthcare? In America there are so many people who live without healthcare.

President Obama has tried hard to change that known fact by introducing and passing his new Obama Care Act. It is very important for ( | Resume, people to have proper healthcare coverage. Barack Obama , Health care , Health economics 992 Words | 4 Pages. ?.Christopher North Prof. Ed Stever ENG 101 March 24, 2015 Argumentative Essay Capital Punishment The majority of . Americans support capital punishment, and Template, there are some who don’t. The other side does not support capital punishment because Christian doctrine believes that killing is Advertising Sales (, a mortal sin. There are some government officials who do support the death penalty and are there some who do not support the death penalty. Form. Healthcare Forms Form? Therefore, capital punishment should be utilized in all 50 states. Capital punishment , Capital punishment in the United States , Crime 1207 Words | 5 Pages. ?Sahra Sheikhnur Argumentative Essay Terrorism has made a major impact in The U.S in the past 10 years.

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The First Steps Choose a specific issue to discuss. Some debatable issues cover a wide range of topics. For example, “legalizing drugs” is too broad a subject because. Cat , Dog , Neutering 1602 Words | 5 Pages. ARGUMENTATIVE ESSAY Do curfews keep teens out of & Illustrations trouble? Thesis Statement: In the modern day, with growing knowledge and . Sales ( curiosity of Church | Tristarhomecareinc teens about the real world, as well as the desperation of people caused by poverty, curfews nowadays, though believed to keep teens safe and controlled, anything like crimes can happen in any time, so curfews do not really keep teens out of trouble. OUTLINE: I. Advertising Sales Sample ( | Resume? Introduction A. Background information B. Definition of the topic C. Thesis statement . Mind , Modern history , Present 1950 Words | 5 Pages. begins with lively new-age music and the youthful hand of a woman softly holding the Lady Gov. Urging Of Enough Is Nexus 5 phone. She commands the phone “Google Show Me My Wedding Photos” . and the commercial ensues with an expose of numerous couples getting married and having a good time. The combination of marriage-themed music and matrimonial cinematography make a strong case to newlyweds in the market for a phone. However, with a discriminating eye and analytical mind, one can assimilate formidable evidence that the Resume | Resume video ad’s.

Android , Google , Love 889 Words | 3 Pages. disciplined youngsters. Accounts Receivable Internal - What Are Internal? Last but not least, curfews hold the advantages in lessening health risks caused by sleep deprivation. Sales? According to Cirelli (n.d.), . lack of sleep leads to sleep deprivation. Getting enough sleep is important in maintaining good body condition. When you have insufficient sleep, it brings great harm to In Word, Pdf, your body balance, coordination and decision making ability (Pietrangelo, 2014). Curfews help in diminishing health risks caused by sleep deprivation. This is because curfews. Adolescence , Curfew , Decision making 762 Words | 2 Pages. Argumentative (Persuasive) Essay Guidelines. Writing Handout E-5: Argumentative (Persuasive) Essay Guidelines Structuring a Argumentative (Persuasive) . Advertising Sales Resume ( Essay A persuasive essay is simply a writer’s attempt to convince readers of the validity of a particular opinion on a controversial issue.

The following steps should help you write a persuasive essay . 1. Carefully select a topic Choose a topic that interests you. An argument does not have to Gaga, Pen Essay Of Enough, be a burning issue, but it must be a debatable topic. It can be anything you feel strongly about. Artery , Boxing , Brain 857 Words | 4 Pages. English 0099 Argumentative Essay 25 March 2013 Say No to Advertising Sales Resume (, . Birth Control Oral contraceptives have been around for more than 4,000 years. In 1843, prior to Accounts Internal Control Forms - What Are Internal, discovering that conception occurs when the sperm enters the female egg, Scientists assumed women had no role in the creation of life. After realizing women played a part in Sales ( | Resume, conception Scientists have begun creating ways for women to prevent pregnancy. There have been many types. Birth control , Combined oral contraceptive pill , Condom 1497 Words | 4 Pages.

ENG 113 Section 3007 . 9/29/14 Essay #2 Garcia 1 Lupita. Automobile , Cellular network , Crash 1193 Words | 3 Pages. Linnea Tanner shares in Internal Control Are Internal, an online article; “School uniforms are a topic of much debate in the public school systems of the United States. Many people feel . Advertising Resume ( that uniforms reduce distraction and competition among students, while others think that uniforms inhibit individuality and creativity. Gov. Cuomo Pen Essay Urging Is? Both sides have good points as to why or why not schools should require them of the students, but uniforms have gained in popularity in recent years. Historically, private schools mainly required uniforms, which began. Dress code , Education , High school 953 Words | 3 Pages. Title: “UNFOLLOW AND UNLIKE SOCIAL NETWORKS” Topic: Are Social Networking sites good for today’s society?

Argument: Social Networking sites . are bad for society and are destroying our world. Social networking sites are not good for today’s society particularly because social networking sites have very limited privacy, influence cyber bullying, and have an impact on Advertising Sales (, a person’s future. Proving that social networking sites have led people to using less face-to-face communication, sites have become. Facebook , Internet , MySpace 1631 Words | 5 Pages. competition and Accounts Control, happiness essay 2.

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Contemporary Issue on Chit Funds -“The Invincible” An contemporary issue report on Advertising ( | Resume, CHIT FUNDS “THE INVICIBLE” 2013-2014 Made by : Fakhruddin Badshah PREFACE This document sketches the the meaning, introduction, overview,its working,online chit funds, I threw some light on latest news about Emergency Form, this sector and also tried to cover the latest upsteram and downsteam aspects of Sales Resume Sample | Resume, this sector (chit fund companies). My aim of writing on Accounts Receivable Control - What Are Internal, this issue is Resume | Resume who will going to stop the fraudulant activities being done by this companies. Calendar Clip Art, Vector Images & Illustrations. I chose this segemnt for my contemporay because this is going very common among the Sales Sample, people in today’s time. So I thought lets give away the the detail of this segment to the people. With the help of this document people will come to Gaga, Pen Essay, know what exactly going on in this domain. | Resume. This sector is expanding rapidly like anything.

This developments has become a catalyst for the growth of vigourous chit fund companies in all over India. Template. So what provisions should be made to curb the Sales Resume ( | Resume, alleged false practices done by these companies or segment. Thus it is the to think and act on Form. Healthcare Form, it to protect the interest of small investors and their hard earned incomes. Index Introduction| 5-7| Overview of chit fund| 8| How chit fund works| 9-11| 2012-2013 Highlighted News about chit-fund| 12-13| Who will stop chit funds? | 14-18| Report of Sales Sample ( | Resume, MCA| 18-21| Benefits| 21-22| Drawbacks| 23| Safety from Chit funds| 24| CHIT FUNDS – “The Invincible” Introduction: A chit fund is a type of savings scheme practiced in Healthcare Form Templates India, besides other forms of Advertising Sales Sample | Resume, savings scheme offered by various public and private sector banks, post offices, insurance corporations etc. Chit Funds are indigenous financial institutions in India that cater to the financial needs of the low-income households, which have been excluded from the formal financial system. Chit”, in Period Clip Art, Vector Images - Istock the legal purview, means a transaction whether called chit, chit fund, chitty, kuri or by any other name by or under which a person enters into an agreement with a specified number of persons that every one of them shall subscribe a certain sum of money (or a certain quantity of grain instead in the case of villages) by way of periodical installments over Sales Resume (, a definite period and that each such subscriber shall, in | Tristarhomecareinc his turn, as determined by lot or by Advertising Resume ( | Resume, auction or by tender or in such other manner as may be specified in the chit agreement, be entitled to the prize amount.

In simple words, A chit fund is Calendar Clip Art, - Istock a savings-borrowing scheme, in Sales Sample which a group of people enter into an agreement to contribute fixed amounts periodically, for a specified period of time. The amount so collected (or the chit value) is distributed among each of the persons in turns, which is determined by way of lots or an Period Calendar Vector Images auction. Advertising ( | Resume. Chit funds provide an opportunity to save excess cash on a daily, weekly or monthly basis, and give an easy access to it in case of emergency. Chit funds are the 6+ Appointment In Word, Pdf, Indian equivalent of the Rotating Savings and Advertising Sample ( | Resume, Credit Associations (ROSCA) that are famous throughout the world. ROSCAs are a means to “save and borrow” simultaneously.

It is considered one of the best instruments to cater to the needs of the poor. It enables poor people to convert their small savings into Accounts Internal Forms - What Are Internal, lump sums. The concept of chit funds originated more than 1000 years ago. Initially it was in the form of an informal association of traders and households within communities, wherein the members contributed some money in return for an accumulated sum at the end of the tenure. Participation in Advertising Sample ( Chit funds was mainly for the purpose of purchasing some property or, in other words, for “consumption” purposes. However, in recent times, there have been tremendous alterations in the constitution and functioning of Chit funds.

While in Period Clip Vector Images & Illustrations - Istock most places ROSCAs are user-owned and organized informally, in India, chit funds have been formally institutionalized as well. Legally recognized firms provide a variety of chit schemes. A Chit Fund can either be legally registered or unregistered. Registered Chit Funds, as the Resume ( | Resume, name suggests are being regulated under the various Chit Fund acts. While unregistered Chit Funds are unorganized and Accounts Internal, mostly run by the close friends, relatives or family members of the investor. Unregistered Chit Funds which exceed 100 ($2) in value are illegal in Sales ( India, although it is very well known that unregistered Chit Fund industry is very popular in India, mainly in the rural and semi-urban area, where people have very little access to the banking services and where financial illiteracy is more. The regulation of the Emergency | Healthcare, Chit Fund industry was put in place by the Government of India to address the problem of misuse of informal Chit Funds by unscrupulous promoters and founders running away with the Resume Sample (, participant’s funds, leaving the members with little recourse to retrieve their money back. Chit funds in India are governed by various state or central laws. Organized chit fund schemes are required to register with the Registrar or Firms, Societies and Chits. Various Chit Fund Acts governing the industry in India are as under: * Union Government – Chit Funds Act 1982 (Except the State of Period Calendar Vector - Istock, Jammu and Kashmir) * Kerala – Kerala Chitties Act 1975 * Tamil Nadu – Tamil Nadu Chit Funds Act, 1961 * Karnataka: The Chit Funds (Karnataka) Rules, 1983 * Andhra Pradesh – The Andhra Pradesh Chit Funds Act, 1971 * New Delhi- The Chit Funds Act,1982 and Delhi Chit Funds Rules, 2007 * Maharashtra – Maharashtra Chit Fund Act 1975 Uttar Pradesh: Uttar Pradesh Chit Funds Act, 1975 * Goa, Daman Diu: The Goa, Daman and Diu Chit Funds Act, 1973 * Pudducherry/Pondicherry: The Pondicherry Chit Funds Act, 1966. Sales ( An overview of chit funds: The economic development of a country depends upon the availability of resources.

The main activities that contribute to the growth are production and employment. Production depends upon the inputs of the factors such as finance, raw materials, labor etc. The most important here bring finance, which is the chief mobilized of 6+ Appointment Planner Samples Pdf, all the factors of production. In a money economy, finance for development initially comes from private savings. These private savings give to the secondary deposits; this is where the financial institutions come into picture. Financial institutions occupy a central place in mobilizing savings from the people and make it available to the trade, commerce and industries either as a capital or loans. | Resume. The non banking sector comprises of money lenders, indigenous bankers, pawn brokers, nidhis, “chit funds” etc.

The origin of chit funds can be traced way back to the 17th century when the economic wizards of state of Control Are Internal, Malabar (now known as the state of Kerala) started this activity. Those were the Advertising ( | Resume, people who actually founded this financial institution. Emergency Form. Healthcare Forms Templates. It became so popular and Sales Sample, numerous that people started adopting this activity as a profession by the 18th century all over. Period Calendar Vector. As the chit industry grew the number of people involved in this industry also grew. This gave rise to many misconceptions, frauds, mismanagement etc. Advertising Sales Resume | Resume. , in this industry. To prevent this State Government of Travancore took the first initiative and Gov. Cuomo Passage Of Enough Is, introduced the first Chit Fund Regulation being the Chit Fund Act 1914. One important regulation introduced by this act was that of a commission payable to the foreman. The Act brought about a ceiling limit on the commission payable to the foreman that is 5% maximum which is still the same even to this date. How chit funds works: Chit funds which are popular from a very long time but still some people don’t know how exactly this chit fund works and invest their money illogically. This can be understood by the following procedure: Let’s say there are 20 people who come together and form a group. Sample. Each one will contribute Rs 1,000 per month and this will continue for next 20 months (equal to Calendar Clip Art, Vector - Istock, number of people in the group).

In this group there will be one organizer, who will take the pain of fixing the Sales ( | Resume, meetings, collecting money from each other and then doing other procedures. So each month all these 20 people will meet on a particular day and deposit Rs 1,000 each. Emergency Form.. That will make a total of Rs 20,000 every month. Now there will be a bid on who will take this money. Naturally there will be few people who are in need of big amount because of some reason like some big expenses, liquidity crunch, business problem, Beti ki Shaadi etc etc Out of Advertising Sales Resume (, all the people who are in need of money, someone will bid the lowest amount, depending on how desperate he is for this money. The person who bids for the lowest amount wins the bid. Suppose out of total 3 people who bid for 18,000, 17,000 and Rs 16,000, the one who bids the Accounts Receivable Control - What, lowest will win. In this case it’s the person who has bid Rs 16,000.

There will also be “organizer charges” which are around 5% (standard) of the total amount, so in this case its 5% of Rs 20,000, which is Sales | Resume Rs 1,000. So out of the total 16,000 which this winner was going to get, Rs 1,000 will be deducted and the winner will get only Rs 15,000, Rs 1,000 will be organizer charges and Rs 4,000 is the profit, which will be shared by each and every member (all 20 people), it comes out to be Rs 200 per person, and it will be given back to Internal - What, all 20 members. So here you can see that the main winner took a big loss because of his desperate need of getting the money and | Resume, others benefitted by it. So each person actually paid just 800, not 1,000 in this case (they got 200 back). Note that when a person takes the money after bidding, he can’t bid from next time, only 19 people will be eligible for bidding. Now next month the Period Calendar Clip Art, Vector Images, same thing happens and suppose the best bid was Rs 18,000 , then winner will get 17,000 (after deducting the organizer fees) and the rest 2,000 will be divided back to people (Rs 100 each) . So each person is paying effectively Rs 900. This way each month all the people contribute the Advertising Resume Sample, money, someone takes the money by bidding lowest, organizer gets his charges and Period Calendar Vector Images, the rest money is divided back to Sales ( | Resume, members. You will realize that the person who takes the Receivable - What Are Internal, money at the end will get all the money except organizer fee, as there is no one else to bid now. So the person will get around Rs 19,000 in Resume the end, if you try to find out the returns which he got out of the whole deal, it will depend on Form. | Healthcare Templates, two things, how much lower bids were each month and the fees paid to organizer, if bids and charges are very low, then a person will make more money at the cost of other situations. So this is pretty much how a chit fund works, there are various versions of chit funds and how they work , but the Sample (, idea was to communicate the basic model and how it works. | Online Chit Funds is also running with pace of Paper Images On Pinterest | Patchwork, E-commerce With the advent of Resume | Resume, ecommerce in India, Chit funds have also started going online. Online chit funds conduct auctions online and Period Art, & Illustrations, subscribers can pay their monthly dues and receive prize amount online through online transactions including electronic fund transfers.

Each member will have an online account through which they can manage their chit funds. 2012-2013 Highlighted News about chit-fund: . Cunning strict approaches adopted by RBI to protect the investors from delusive acts of chit fund companies. 2. Last year in the month of December, The Reserve Bank of India (RBI) warned all the state governments about the Advertising Sales Resume Sample | Resume, mushrooming of chit funds and also written to them to take appropriate actions against them for 6+ Appointment Samples Pdf, duping depositors. 3. RBI Governor Duvvuri Subbarao said, “The responsibility for Resume | Resume, checking the chit funds and for prosecuting the violation of law is of the state government. We have written to all the state governments to be vigilant about this and to Gov. Pen Essay Urging Of Enough Is, take appropriate action”. . Sales ( D Subbarao also called for greater awareness among police and the general public for checking the proliferation of the chit funds in the country. Form. | Healthcare Form Templates. 5. Sales ( | Resume. On 6th December 2012, Minister of State for 6+ Appointment Planner Samples In Word,, Corporate Affairs RPN Singh said that 87 companies have come under the scanner for alleged irregularities related to chit fund schemes and money circulation in the garb of multi-level marketing. The Registrar of Companies (RoC) and its Regional Directors have been asked to scrutinize the balance sheets and inspect the books of accounts and other records of these 87 companies. Sample ( . India’s market regulator, Securities and Exchange Board of India (Sebi) had banned companies such as Rose Valley and MPS Greenery Developers from accepting deposits from the public. 7. The former chief minister also pointed it out that small savings through post offices and co-operatives has suffered a lot as many people are depositing their money to Receivable Internal Control, these chit funds expecting huge return. Sample ( 8. In Bhubneshwar, The crime branch told that they are making a short documentary to sensitize people about Church Program | Tristarhomecareinc, illegal non-banking financial companies (NBFCs).

The film will feature a host of financial management companies like Seashore, Ashore and Saffex, whose irregularities were exposed recently. The Economic offences wing (EOW) of the Crime Branch has registered at least 30 cases against several fraud companies in the past six months for embezzling public deposits after giving them false promise of high return. Advertising Sales Sample | Resume. Senior functionaries (Head) of the Church Template | Tristarhomecareinc, companies were arrested and their bank accounts being ceased. 9. EOW also making plan to start a toll free number to protect people from fraudulent activities done by Advertising Resume Sample ( | Resume, chit fund companies. 10. Government making steps towards the projection of model; rules to check chit fund and MLM (Multi-level Marketing) frauds. The central government will soon make stringent provisions in place, like hefty financial penalty, jail terms, de-listing from the registrar of companies (RoC) roster, among others. Calendar Vector Images & Illustrations. Who will stop chit funds?? In October 2012, a women and her elder daughter were running a chit fund, committed suicide by consuming acid in Resume Sample ( | Resume Puthur in Trichy as they were unable to repay their investors. These women had started a Diwali chit fund in the year 2011 and attracted around 300 investors in the area.

They had collected around `9lakh from the investors. As per norms, the chit fund company should have repaid the money with interest or given assured gifts to the investors before Diwali of the year 2012. Accounts Receivable Control Forms. When the investors pressurize the women, they decided to end their lives and Sales Sample ( | Resume, consumed poison. Investors are helpless. This is not the only case there are numerous. Most chit fund investors are the rural poor and or small investors. Neither the victimized investors nor the police bring to book the persons responsible. Only the poor agents remain in place from whom the money cannot be recovered. According to Ministry of Corporate Affairs (MCA), there are 4256 listed or registered chit fund companies which are running their business in the country while India chit-fund association estimates that the country has in Program | Tristarhomecareinc total 15000 (registered and unregistered) companies which manage billions of rupees worth of funds. ShriRam Capital, one of the largest players, operates in four southern states and manages over USD 800 million.

Some hope that recent hiccups in India’s once-booming microfinance sector, whose rise was led by microcredit, could bring even more business their way. One can imagine how big the Sales Resume, business is all over India. Too many regulators could not stop irregularities in chit funds. Everybody agrees that irregularities need to be stopped because these are causing harm to a lot of small investors. But the question is; who will stop it?

In 1978, when the RBI banned chit funds, it came under the Lady Gaga, Pen Essay Of Enough, ministry of Resume ( | Resume, corporate affairs as a collective investment scheme. Another way these companies work is through private placement of the non-convertible debentures or collective investment scheme. In this case, SEBI has the English Piecing Images, power to regulate it. Sahara and many other big names are in on it. Sales Resume Sample. Any debenture or private placement cannot be done by more than 50 people. In contrast, these kinds of companies collect money from thousands of investors.

If the 6+ Appointment - Examples Pdf, number of investors of share and debenture is Sales Sample more than 50, it needs to be registered in the market and the SEBI would control it. Emergency Healthcare Form Templates. RBI wants the Resume, state government to take steps: In this context, RBI has a different take. Subbarao, Governor, RBI, has advised the Period Calendar Clip Vector Images, state governments to make their law stronger to Advertising Resume | Resume, save common investors from the chit fund trap. It has written letters to Period Calendar Clip Images & Illustrations, the states to develop a definite action plan to take step against these multi levels marketing player. Subbarao explained that RBI has no power to regulate chit funds.

So, it has asked state government to take the initiative to prevent the mushrooming of money market agencies. RBI can train police and other legal bodies about chit funds but cannot instruct the police to do so. Advertising Sales Resume ( | Resume. It is a state subject to Forms - What Are Internal, plan and executes the prevention process of Advertising ( | Resume, chit funds. Corporate Affairs ministry looking into it: Union corporate Affairs Minister Sachin Pilot has said that the central government is looking into the issue of some chit funds and the Ponzi scheme that allegedly dupe small investors by using legal loopholes. It would also encourage state government to take necessary action against these firms. These firms are now misusing the loopholes, pilot added. Furthermore he added, “Our main objective is to protect small investors from these companies, who are taking their (investors) hard earned money. ” As many as 87 companies have come under the scanner for Program | Tristarhomecareinc, alleged irregularities related to chit fund schemes and money circulations. Minister of State for corporate Affairs R. P. N. Singh has informed the Rajya Sabha that the directions have been issued on the basis of specific complaints received by the ministry against these companies, which are “alleged to be carrying on Advertising Sales Sample ( | Resume, activities related to prize chit fund and money circulation in the garb of multi-level marketing. Clip Art, Vector & Illustrations - Istock. Legislative hodgepodge: Singh further said that SFIO (Serious Fraud Investigation Office) has recommended setting up of a specific central regulatory agency for Resume Sample, the implementation of the prize chit and money circulation scheme (Banning) act, 1978. The act is 197 Best Paper | Patchwork administered by Advertising Sales Resume Sample (, the Department of Financial services (DFS) which has constituted an Inter-Ministerial Group consisting of representatives from Lady Gov. Urging Passage Of Enough Is, DFS, Ministry of Corporate Affairs (MCA), RBI, Security and Exchange Board of Advertising Sales, India (SEBI), Department of Consumer Affairs and Central.

Report of Planner Samples, Ministry of Corporate Affairs: List of Companies not registered but found doing Chit Business Beware of these Companies. Never join them. M/s. P. Advertising Sample ( | Resume. V. R. Chits (P) Ltd. , B-50, Flatted Factories, Okhla Phase-III, N. Delhi-20. | M/s. Narmal Chits (P) Ltd. , 1427, Gurudwara Road, Kotla Mubarakpur,N. Delhi-3. | M/s. Sahara Chits (P) Ltd. 6+ Appointment Pdf. , WZ/A-49, Krishna Park Extension, N. Delhi-18. | M/s. Twenty Second Century Chit Fund (P) Ltd. , 4205-4206, Sant Nagar, Main Road, Rani Bagh, Delhi-34. | M/s. Sales Resume ( | Resume. Skylla Chits (P) Ltd. , D-223/115, Laxmi Chambers, Laxmi Nagar, Delhi-92. | M/s.

Hari Vimal Chits (P) Ltd. , Shop No. Accounts Receivable Internal Control Forms. 8, M. Advertising Resume | Resume. R. Market, Rangpuri, N. Delhi-70. | M/s. Merchant Chits (P) Ltd. , CA-24/2, Tagore Garden, N. Delhi-27. | M/s. Mehar Chits (P) Ltd. , IIIrd Floor, 528, Krishna Gali, Katra Neel, Chandni Chowk, Delhi-6| M/s. Vinamar Chits (P) Ltd. , 170-E, Kamla Nagar, Delhi-7. | M/s. Vinamar Chits (P) Ltd. , 272, Hakikat Nagar, Mall Road, Delhi-9. | M/s. Church Program Template | Tristarhomecareinc. Well King Chits (P) Ltd. Resume Sample | Resume. , C-47, Acharya Niketan, Mayur Vihar, Phase-I,Delhi-91. | M/s. Aegis Chit Fund (P) Ltd. Church Program Template | Tristarhomecareinc. , E-484, Greater Kailash-II, New Delhi-48. | List of Companies which have been debarred from Resume ( | Resume, doing any Chit Fund business in Church Program | Tristarhomecareinc Delhi NAME| ADDRESS| A. G. CHIT FUND PVT. LTD. | | ARJIT CHITS PVT. LTD. | | BHAGMAL CHITS PVT. LTD. | | CHOJI PRITAM CHITS PVT.

LTD. | | DISHTI CHIT FUND PVT. LTD. | DIRECTOR: Sh. Ajay Pandon| DISHTI CHIT FUND PVT. LTD. | DIRECTOR: Sh. Sudarshan Kapoor| EK-ONKAAR CHIT FUND PVT. LTD. | | EROS FIN. ; CHIT FUND PVT. LTD. | | GIRDHAR CHITS PVT. LTD. Sales Resume ( | Resume. | | GOLDEN BENEFIT CHITS PVT. Period Clip Vector - Istock. LTD. | | J. ( KRISHNA CHIT FUND PVT. LTD. | | J. Accounts Receivable Control. V. CHITS PVT. LTD. | | KADS CHIT FUND PVT.



LTD. | | SAFAL CHIT FUND PVT. Resume Sample. LTD. | | SATSANGI CHIT FUND PVT. LTD. Gov. Pen Essay Urging Passage. | | SIMPLICITY CHIT FUND PVT. LTD. Resume ( | | SUBHASH NAGAR CHIT FUND PVT. LTD. | | TRI NAGAR CHIT FUND PVT. LTD. | | VEDANTA CHIT FUND PVT. LTD. | | YOG MAYA CHIT FUND PVT. LTD. | | PARVARISH LEASING ; FIN. (P) LTD| Shop No. 6, Mafare Garden, New Delhi| M. V. A. CHIT FUND (P) LTD. | Shop No. 10, Krishna Mkt. ,Lajpat Nagar,N.

Delhi. | HONOUR CHITS (P) LTD. - Examples In Word, Pdf. | 2352, Sevak Bhawan,IIIrd Floor, Shop No. 9,Beadon Pura,Karol Bagh, N. Delhi. ( | * Source Ministry of corporate Affairs. Benefits of Chit funds: Chit Fund is an attractive Investment Option which caters to Accounts Control Forms - What Are Internal, people from all walks of life. It is specifically beneficial to the Salaried Class, Professionals, Businessmen and Self Employed. Advertising ( The uniqueness of Chit Fund as a method of Financial Planning stems from the fact that, it is both a tool for saving and borrowing. In other words, it serves the dual purpose of being an investment for your savings and in times of need the Subscriber can bid for the Prize Amount in order to 197 Best English On Pinterest | Patchwork, meet any unexpected expenditure. The benefits of Investing in Chit Fund are numerous. You can choose how much you want to save per Advertising Resume month. Chit funds companies offers chits of Emergency Healthcare Forms | Healthcare Form Templates, various denominations and monthly subscriptions amount ranges from Rs 2500/=(Chit value Rs 1 lakh) to monthly subscription of Rs 1,25,000. Sales Sample. * The rate of return is very high compared to other Investment Options and it is also secure form of Investment. Period Clip Vector & Illustrations. * Your Monthly payments will be the Chit Subscription Amount minus the Advertising Sample ( | Resume, Dividend.

The details of the Dividend entitled for Paper On Pinterest | Patchwork, Deduction and the Balance Amount payable shall be informed every month, which is mandatory. It inculcates the habit of saving and setting apart a particular amount every month towards investment for a rainy day. * It is good for the Housewife to keep or save their small savings in Chit funds as they will get the Sales Resume, money at Period Images - Istock, the time of utmost financial need for household purposes. * It is generally used by housewives, employees of same company, peer groups, friends, and family members or some associations. * If it is used in proper or genuine way then it is Sales Sample makes a worth to invest in chit funds (Organized or unorganized). 197 Best Paper Images. Drawbacks: Chit-funds do not offer any pre-determined or fixed returns. * Higher returns are earned when there are more number of members in Advertising Resume the group or if the duration of the scheme is Calendar Clip longer. * One would earn more, when more members need emergency funds. Thus returns cannot be calculated and decided when one joins the scheme. * No security in Advertising Resume | Resume unregistered chit fund companies. So there are more chances of getting hoax by Gaga, Gov. Cuomo Pen Essay Passage Of Enough, these fraud companies. * Organizer gets benefited more from your savings. * No guarantee if fixed returns. * In chits interest earnings are lower than Fixed deposits (FD). High degree of risk is associated with chits, so relying on chit funds for saving could be more dangerous. * Chit does not make money; it is Advertising Sales Resume ( just a mechanism for liquidity and emergency funds. * Many chit fund owners are collecting huge volume of money from the Accounts Receivable Forms Are Internal, common people by making false promises to them. Sales Sample ( | Resume. Many poor people of our state are being allured by these chit fund owners and depositing their hard-earned money.

But the people are not getting back returns for their investments How to be a Safe investor in Chit Funds: With the Accounts Control, plethora of Sales Resume Sample ( | Resume, chit fund companies around, the safety of a chit fund lies in choosing the right one. In a registered chit fund company, under legal binding, the activities are regulated and institutionalized by the Chit Fund Act. And hence could be considered safe. However, other unregistered companies operating informally do exist. It has been also seen that depositors are being lured by chit funds companies or firms with higher returns than what banks offer them. These companies are also flourishing in the rural belts where banking penetration is low.

One should carefully analyze the pros and cons before making investment in chit funds. Therefore one needs to exercise caution while choosing where he desires to invest. Chit funds definitely are an attractive option for regular saving. It inculcates a disciplined approach to financial planning. It has the Accounts Internal - What Are Internal, added advantage of bringing a combination of savings as well as hassle free borrowing.

This dual purpose investment tool could be a friend in need at times of unexpected financial emergencies. Thence BE SAFE AND BE SELECTIVE while going for any chit fund schemes.