A customer is not dependent upon us. We are dependent upon him.
A customer is not an interruption of our work. He is the sole purpose of it.
A customer does us a favor when he comes in. We aren't doing him a favor by waiting on him.
A customer is an essential part of our business--not an outsider.
A customer is not just money in the cash register. He is a human being with feelings and deserves to be treated with respect.
A customer is a person who comes to us with his needs and his wants. It is our job to fill them.
Iin the banking companies act,1949 a banking company in India has been defined.as one "which transacts the business of banking which means the accepting, for the purpose of lending or investment of deposits of money from the public, repayable on demand or otherwise and withdraw able by cheque, draft, order or otherwise." The above definition derives most of the activities a Bank performs. Certain other ancillary activities which are ancillary to this business of accepting deposits and lending are allowed to the banks to perform. Therefore, with the public the bank 's relationship revolves around accepting deposits and lending money. Transfer of money - both domestic and foreign - from one place to another is another activity which is is assuming increasing importance. In banking parlance this activity is generally known as "remittance business". The involvement of buying and selling foreign currencies generally called forex (foreign exchange) business is largely a part of remittance albeit.
The most complicated of corporate operations is the functioning of a Bank . Governments in most countries regulate this sector severely as banking involves dealing directly with money. Of corporate operations the most complicated is the functioning of a bank . The present condition of banks in India is due to the traditionally and very strict regulations in the opinion of certain quarters, where NPAs are of a very high order. Financial reforms, which started in 1991 has a lot to be done although cleared all the cobwebs.The operations are made even more complicated, sometimes bordering on illogical due to the multiplicity of policy and regulations that a Bank has to work with. An overview of the functions in as simple manner as possible is dealt with in this section, which is intended for banking professional.The banking Regulation Act of India, 1949 defines Banking as "accepting, for the purpose of lending or investment of deposits of money from the public, repayable on demand or otherwise and withdraw able by cheques, draft, and order or otherwise."
In the last decades of the 18th century banking in India originated . the largest and oldest commercial bank of existence in the country is the State Bank of India a government-owned bank that traces its origins back to June 1806 .
The oldest bank in existence in India is the State Bank of India, a government-owned bank that traces its origins back to June 1806 and that is the largest commercial bank in the country.
Central banking is the responsibility of the Reserve Bank of India, which in 1935 formally took over these responsibilities from the then Imperial Bank of India, relegating it to commercial banking functions.
After India's independence in 1947, the Reserve Bank was nationalized and given broader powers. In 1969 the government nationalized the 14 largest commercial banks; the government nationalized the six next largest in 1980.
Currently, India has 88 scheduled commercial banks (SCBs) - 27 public sector banks (that is with the Government of India holding a stake), 29 private banks (these do not have government stake; they may be publicly listed and traded on stock exchanges) and 31 foreign banks. They have a combined network of over 53,000 branches and 17,000 ATMs. According to a report by ICRA Limited, a rating agency, the public sector banks hold over 75% of total assets of the banking industry, with the private and foreign banks holding 18.2% and 6.5% respectively.
Banking in India originated in the last decades of the 18th century. The first banks were The General Bank of India, which started in 1786, and the Bank of Hindustan, both of which are now defunct. The oldest bank in existence in India is the State Bank of India, which originated in the Bank of Calcutta in June 1806, which almost immediately became the Bank of Bengal. This was one of the three presidency banks, the other two being the Bank of Bombay and the Bank of Madras, all three of which were established under charters from the British East India Company. For many years the Presidency banks acted as quasi-central banks, as did their successors. The three banks merged in 1925 to form the Imperial Bank of India, which, upon India's independence, became the State Bank of India. Indian merchants in Calcutta established the Union Bank in 1839, but it failed in 1848 as a consequence of the economic crisis of 1848-49. The Allahabad Bank, established in 1865 and still functioning today, is the oldest Joint Stock bank in India.. The depositors lost money and lost interest in keeping deposits with banks. Subsequently, banking in India remained the exclusive domain of Europeans for next several decades until the beginning of the 20th century. Foreign banks too started to arrive, particularly in Calcutta, in the 1860s. The presidency banks dominated banking in India but there were also some exchange banks and a number of Indian joint stock banks. All these banks operated in different segments of the economy. By the 1900s, the market expanded with the establishment of banks such as Punjab National Bank, in 1895 in Lahore and Bank of India, in 1906, in Mumbai - both of which were founded under private ownership. Punjab National Bank is the first Swadeshi Bank founded by the leaders like Lala Lajpat Rai, Sardar Dyal Singh Majithia. The Swadeshi movement in particular inspired local businessmen and political figures to found banks of and for the Indian community.
A number of banks established then have survived to the present such as Bank of India, Corporation Bank, Indian Bank, Bank of Baroda, Canara Bank and Central Bank of India.
The first bank in India, though conservative, was established in 1786. From 1786 till today, the journey of Indian Banking System can be segregated into three distinct phases.
Nationalization of Indian Banks and up to 1991 prior to Indian banking sector Reforms.
New phase of Indian Banking System with the advent of Indian Financial & Banking Sector Reforms after 1991.
The General Bank of India was set up in the year 1786. Next came Bank of Hindustan and Bengal Bank. The East India Company established Bank of Bengal (1809), Bank of Bombay (1840) and Bank of Madras (1843) as independent units and called it Presidency Banks. These three banks were amalgamated in 1920 and Imperial Bank of India was established which started as private shareholders banks, mostly Europeans shareholders. In 1865 Allahabad Bank was established and first time exclusively by Indians, Punjab National Bank Ltd. was set up in 1894 with headquarters at Lahore. Between 1906 and 1913, Bank of India, Central Bank of India, Bank of Baroda, Canara Bank, Indian Bank, and Bank of Mysore were set up. Reserve Bank of India came in 1935. During the first phase the growth was very slow and banks also experienced periodic failures between 1913 and 1948. There were approximately 1100 banks, mostly small. To streamline the functioning and activities of commercial banks, the Government of India came up with The Banking Companies Act, 1949 which was later changed to Banking Regulation Act 1949 as per amending Act of 1965.
Government took major steps in this Indian Banking Sector Reform after independence.
In 1955, it nationalized Imperial Bank of India with extensive banking facilities on a large scale especially in rural and semi-urban areas.
It formed State Bank of India to act as the principal agent of RBI and to handle banking transactions of the Union and State Governments all over the country. Seven banks forming subsidiary of State Bank of India was nationalized in 1960 on 19th July, 1969, major process of nationalization was carried out.
First phase of nationalization 14 major commercial banks in the country were nationalized.
Second phase of nationalization Indian Banking Sector Reform was carried out in 1980 with seven more banks.
1949 : Enactment of Banking Regulation Act.
1955 : Nationalization of State Bank of India.
1959 : Nationalization of SBI subsidiaries.
1961 : Insurance cover extended to deposits.
1969 : Nationalization of 14 major banks.
1971 : Creation of credit guarantee corporation.
1975 : Creation of regional rural banks.
1980 : Nationalization of seven banks with deposits over 200 crore.
After the nationalization of banks, the branches of the public sector bank India rose to approximately 800% in deposits and advances took a huge jump by 11,000%. Banking in the sunshine of Government ownership gave the public implicit faith and immense confidence about the sustainability of these institutions.
This phase has introduced many more products and facilities in the banking sector in its reforms measure. In 1991, under the chairmanship of M Narasimham, a committee was set up by his name which worked for the liberalization of banking practices. The country is flooded with foreign banks and their ATM stations. Efforts are being put to give a satisfactory service to customers. Phone banking and net banking is introduced. The entire system became more convenient and swift. Time is given more importance than money. The financial system of India has shown a great deal of resilience. The customers have more choices in choosing their banks. A competition has been established within the banks operating in India. With stiff competition and advancement of technology, the service provided by banks has become more easy and convenient. The past days are witness to an hour wait before withdrawing cash from accounts or a cheque from north of the country being cleared in one month in the south.
The Reserve bank of India became an institution owned by the Government of India as in 1948, the Reserve Bank of India, India's central banking authority, was nationalized.
In 1949, the Banking Regulation Act was enacted which empowered the Reserve Bank of India (RBI) "to regulate, control, and inspect the banks in India was empowered by the Banking Regulation Act was enacted in 1948.
No two banks could have common directors and no new bank or branch of an existing bank could be opened without a license from the RBI is provided by the Banking Regulation Act.
Banks in India except the State Bank of India, continued to be operated and owned by private persons despite these provisions, control and regulations. With the nationalization of major banks in India on 19 July, 1969 this has got changed .
The Indian banking industry has become an significant tool to facilitate the progress of the Indian economy by the 1960s. Indian banking industry has emerged as a large employer, and a debate has ensued about the possibility to nationalize the banking industry simultaneously.
In the annual conference of the All India Congress Meeting in a paper entitled "Stray thoughts on Bank Nationalization" was expressed by Indira Gandhi,, the-then Prime Minister of India expressed the intention of GOI. With positive enthusiasm the paper was received. GOI issued an ordinance and nationalized the 14 largest commercial banks with effect from the midnight of July 19, 1969 and thereafter, her move was sudden and swift . Description of the step as a "masterstroke of political sagacity" was made by Jayaprakash Narayan, a national leader of India. The Parliament passed the Banking Companies (Acquisition and Transfer of Undertaking) Bill, and it received the presidential approval on 9 August, 1969 within two weeks of the issue of the ordinance,.
In 1980, a second dose of nationalization of 6 more commercial banks followed. To provide the government more control of credit delivery is the stated reason for the nationalization . The GOI controlled around 91% of the banking business of India with the second dose of nationalization.. The government merged New Bank of India with Punjab National Bank later on, in the year 1993,. There was a drastic decrease in the number of nationalized banks from 20 to 19 due to the fact that it was the only merger between nationalized banks. Closer to the average growth rate of the Indian economy the nationalized banks grew at a pace of around 4%, after this, until the 1990s.
To have assisted the Indian economy withstand the global financial crisis of 2007-2009 the nationalized banks were credited by some including Home minister P. Chidambaram,.
Where all Foreign Investors in banks may be given voting rights which could exceed the present cap of 10%,at present it has gone up to 49% with some limitations, the next stage for the Indian banking has been setup with the proposed relaxation in the norms for Foreign Direct Investment,.
Banking sector in India was fully shaken by this new policy. 4-6-4 method (Borrow at 4%; Lend at 6%; Go home at 4) of functioning was the method accustomed by bankers until this time.
Tech-savvy methods of working for traditional banks were introduced along with a modern look by the fresh wave. . Apart from receiving more, people also demanded more from their banks and all of this led to the retail boom in India.
Even though reach in rural India still remains a challenge for the foreign banks and private sector and presently (2007), banking in India is generally fairly mature In terms of reach-oven, product range supply, product range and reach. Indian banks are considered to have clean, strong and transparent balance sheets in comparison to other banks in comparable economies in its region in terms of quality of assets and capital adequacy, With minimal pressure from the government, the Reserve Bank of India is an autonomous body,. Nevertheless, without any fixed exchange rate-and this has mostly been true, the stated policy of the Bank on the Indian Rupee is to manage volatility.
With the growth in the Indian economy expected to be strong for quite some time-especially in its services sector, the demand for banking services, especially, mortgages, investment services and retail banking are expected to be strong. Asset sales. M&As, takeovers may also be expected by one.
To increase its stake in Kotak Mahindra Bank (a private sector bank) to 10%. In March 2006, the Reserve Bank of India allowed Warburg Pincus. Since the RBI announced norms in 2005 that any stake exceeding 5% in the private sector banks would need to be vetted by them, this is the first time an investor has been allowed to hold more than 5% in a private sector bank.
With regard to loan recovery efforts in connection with personal loans ,vehicles loans and house advances, in recent years critics have charged that the non-government owned banks are too aggresive. Driving defaulting borrowers to suicide are the press reports that the banks' loan recovery efforts have made.
Increasing the international competitiveness of the Indian banks as key factors currently required.
Consideration of the HRD related issues as one of the biggest challenge in the process of consolidation by private and public sector banks.
For the profitability of the banks, customer retention is significantly important.
Ensuring the security of customer information and stricter security policies to safeguard and feelings of the need of advanced security software's.
The biggest challenges that could affect the future growth of Retail banking is the identification of Rising Indebtedness followed by lack of Technological advancements.
Further in the area of Micro Credit financing, banks intend to increase their exposure further.
India's largest commercial bank is STATE BANK OF INDIA (SBI). One-fifth of deposits and loans of all scheduled commercial banks in India is commanded by SBI and it has a vast domestic network of over 9000 branches (approximately 14% of all bank branches.
Numerous non-banking subsidiaries providing insurance, primary dealership in government securities, factoring services, fund management and merchant banking services along with a network of eight banking subsidiaries are included in the State bank Group.
"We will be prompt, polite and proactive with customers.
We will be speak the language of young India. We will create products and services that help our customers achieve their goals.
We will go beyond the call of duty to make our customer feel valued.
We will be of service even in the remotest part of our country.
We will offer excellence in service to those abroad as much as we do to those in India.
We will imbibe state of art technology to drive excellence".
"We will always be honest, transparent and ethical.
We will respect our customers and fellow associates.
We will be knowledge driven.
We will learn and we will share our learning.
We will never take the easy way out. We will do everything we can to contribute to the community we work in.
Customer loyalty score awarded to SBI ATMs better than ICICI & HDFC.
The State Bank of India traces its roots to the first decade of 19th century, when the Bank of Calcutta, later renamed the Bank of Bengal, was established on 2 June 1806. The government amalgamated Bank of Bengal and two other Presidency banks, namely, the Bank of Bombay (incorporated on 15 April 1840) and the Bank of Madras on 27 January 1921, and named the reorganized banking entity the Imperial Bank of India. All these Presidency banks had been incorporated as joint stock companies, and were the result of the royal charters. The Imperial Bank of India continued as a joint stock company. Until the establishment of a central bank in India the Imperial Bank and its early predecessors served as India's central bank, at least in terms of issuing the currency. The State Bank of India Act 1955, enacted by the Parliament of India, authorized the Reserve Bank of India, which is the central banking organization of India, to acquire a controlling interest in the Imperial Bank of India, which was renamed the State Bank of India on 30 April 1955.
June 2, 1806: The Bank of Calcutta established.
January 2, 1809: This became the Bank of Bengal.
April 15, 1840: Bank of Bombay established.
July 1, 1843: Bank of Madras established.
1861: Paper Currency Act passed.
January 27, 1921: all three banks amalgamated to form Imperial Bank of India.
July 1, 1955: State Bank of India formed; becomes the first Indian bank to be nationalized.
1959: State Bank of India (Subsidiary Banks) Act passed, enabling the State Bank of India to take over eight former State-associated banks as its subsidiaries.
1980s When Bank of Cochin in Kerala faced a financial crisis, the government merged it with State Bank of India.
June 29, 2007: The Government of India today acquired the entire Reserve Bank of India (RBI) shareholding in State Bank of India (SBI), consisting of over 314 million equity shares at a total amount of over 355 billion rupees.
There are seven other associate banks that fall under SBI. They all use the "State Bank of" name followed by the regional headquarters' name. These were originally banks belonging to princely states before the government nationalized them in 1959. In tune with the first Five Year Plan, emphasizing the development of rural India, the government integrated these banks with the State Bank of India to expand its rural outreach. The State Bank group refers to the seven associates and the parent bank. The group is merging all the associate banks into SBI, which will create a "mega bank", and one hopes, streamline operations and unlock value.
State Bank of India is present in 32 countries, where it has 84 offices serving the international needs of the bank's foreign customers, and in some cases conducts retail operations. The focus of these offices is India-related business.
State Bank of India has often acted as guarantor to the Indian Government, most notably during Chandra Shekhar's tenure as Prime Minister of India. With more than 9400 branches and a further 4000+ associate bank branches, the SBI has extensive coverage. Following its arch-rival ICICI Bank, State Bank of India has electronically networked most of its metropolitan, urban and semi-urban branches under its Core Banking System (CBS), with over 4500 branches being incorporated so far. The bank has the largest ATM network in the country having more than 5600 ATMs . The State Bank of India has had steady growth over its history, though the Harshad Mehta scam in 1992 marred its image. In recent years, the bank has sought to expand its overseas operations by buying foreign banks. It is the only Indian bank to feature in the top 100 world banks in the Fortune Global 500 rating and various other rankings. According to the Forbes 2000 listing it tops all Indian companies.
State Bank of India launched a project in 2002 to network more than 14,000 domestic and 70 foreign offices and branches. The first and the second phases of the project have already been completed and the third phase is still in progress. As of December 2006, over 10,000 branches have been covered. The new infrastructure serves as the bank's backbone, carrying all applications, such as the IP telephone network, ATM network, Internet banking and internal e-mail. The new infrastructure has enabled the bank to further grow its ATM network with plans to add another 3,000 by the end of 2007 raising the total number to 8,600. As of September 20, 2007 SBI has 7236 ATMs.
This site provides comprehensive information on State Bank of India or SBI Bank, the premier Nationalized Indian Bank. State Bank of India is actively involved since 1973 in non-profit activity called Community Services Banking. State Bank of India is India's largest bank amongst all public and private sector banks operating in India.
SBI Life Insurance Company Ltd (SBI LIFE).
State Bank of India administrative structure is well equipped to oversee the large network of branches in India and abroad. The State Bank of India 14 Local Head Offices and 57 Zonal Offices are located at important cities spread throughout the country. State Bank of India has 52 foreign offices in 34 countries across the globe. The Corporate Accounts Group is a Strategic Business Unit of the Bank set up exclusively to fulfill the specialized banking needs of top corporate in the country.
Broking Services Safe Deposit Lockers.
Revised Service Charge. Foreign Inward Remittances.
Moreover, State Bank of India has Colleges/Institutes/Training Centers that are the seats of learning and research and development. It caters not only to the employees of State Bank of India but also other banks/establishments in India and abroad.
SBI Bank India had Total Income of Rs 68376.83 crore for the financial year 2006 -07. State Bank of India has posted Net Income to the tune of Rs 6364.38 crore or the financial year 2006 -07.
State Bank of India is headed by Mr. Shri O. P. Bhatt, Chairman.
A study on impact of implementation of 12 hours banking in SBI, Mahindra city branch.
To study the satisfaction level of customers in the SBI bank.
To ascertain the perceptions of customers regarding the service quality in SBI Bank.
To understand services provided to customers by SBI Bank.
To identify the areas which need improvement in quality of service.
To create awareness of different banking services offered among the customers of SBI.
To give Suggestions to improve the services.
Because of the following reasons, I prefer this project work to get the knowledge of the banking system.
Banking is an essential industry.
It is where we often wind up when we are seeking a problem in financial crisis and money related query.
Banking is one of the most regulated businesses in the world.
Banks remain important source for career opportunities for people.
It is vital system for developing economy for the nation.
Banks can play a dynamic role in delivery and purchase of consumer durables.
In an environment where the customer has come to the central stage, regular and comprehensive appraisal of Bank services in relation to the perceptions of customers are of much importance. Because of the information explosion today's customer is more knowledgeable and the expectations are very high. In order to satisfy them better service is needed. The first step to marketing is to identifying the needs of the customers and the level of satisfaction towards the existing services. The study of customer satisfaction will provide the insight in to the weak areas of customer service and make corrective steps. Client loyalty not only improves efficiency, but it also enhances business. A customer loyalty strategy that involves tailoring services to individual client's need has the additional benefit of not causing damage. For this 12 hrs banking will help this branch to improve better service and yield customer loyalty. Moreover the study will be of much use to Bankers in framing their future marketing strategies.
Since the time is less the researcher has taken a sample of 120 people and it will not reveal the whole population of a country.
The study is limited to a particular branch of SBI bank.
It is possible that some of the respondents may have perceived the study as being backed by the management and thus the reliability of their response is questionable.
The banking sector in India has made remarkable progress since the economic reforms in 1991. New private sector banks have brought the necessary competition into the industry and spearheaded the changes towards higher utilization of technology, improved customer service and innovative products. Customers are now becoming increasingly conscious of their rights and are demanding more than ever before. The recent trends show that most banks are shifting from a "product-centric model" to a "customer-centric model" as customer satisfaction has become one of the major determinants of business growth. In this context, prioritization of preferences and close monitoring of customer satisfaction have become essential for banks. Keeping these in mind, an attempt has been made in this study to analyze the factors that are essential in influencing the investment decision of the customers of the public sector banks. For this purpose, Factor Analysis, which is the most appropriate multivariate technique, has been used to identify the groups of determinants. Factor analysis identifies common dimensions of factors from the observed variables that link together the seemingly unrelated variables and provides insight into the underlying structure of the data. Secondly, this study also suggests some measures to formulate marketing strategies to lure customers towards banks.
Bank: A bank is a financial institution whose primary activity is to act as a payment agent for customers and to borrow and lend money. It is an institution for receiving, keeping, and lending money.
Mobile Banking: Mobile banking (also known as M-Banking, mbanking, SMS Banking etc.) is a term used for performing balance checks, account transactions, payments etc. via a mobile device such as a mobile phone. Mobile banking today (2007) is most often performed via SMS or the Mobile Internet but can also use special programs called clients downloaded to the mobile device.
Core Banking System: Core Banking is a general term used to describe the services provided by a group of networked bank branches. Bank Customers may access their funds and other simple transactions from any of the member branch offices.
ATM: An automated teller machine (ATM) is a computerized telecommunications device that provides the customers of a financial institution with access to financial transactions in a public space without the need for a human clerk or bank teller. On most modern ATMs, the customer is identified by inserting a plastic ATM card with a magnetic stripe or a plastic smartcard with a chip, that contains a unique card number and some security information, such as an expiration date or CVC (CVV). Security is provided by the customer entering a personal identification number (PIN).
Transferring fund from one bank to another.
Privacy & security is guaranteed.
Quick transfer - Maximum 2 hours.
Fund transfer - Less than 10,00,000Rs.
Online banking (or Internet banking) allows customers to conduct financial transactions on a secure website operated by their retail or virtual bank, credit union or building society.
A channel for receiving information and delivering their products / services to customers through internet.
New cheque book request etc.
Internet banking facility available to both retail & corporate customers.
Customers can operate their accounts all across India.
It removes restrictions imposed by geography & time.
It enables the customers to carry out their banking activities from their desktop.
Both normal banking transactions & value added services on online.
Implemented in 9112 domestic branches.
No of corporate INB customers crossed 1000.
Campaign / events to familiarize customers with security features.
TARGET: growth of 40 to 50 % in branches under INB & 60 % growth in customer registration.
Weakness of design, implemented & monitoring information system.
Unauthorized access, risk management system, portfolio management system.
Violation of (or) non-conformance with law, rules & regulation.
Deregulations, innovations in mobile and wireless technologies and media convergence, together with the rapid diffusion of the Internet, have opened up strategic business opportunities in the financial sector. With deregulation removing entry barriers, an increasing number of online banks are threatening the market share of 'bricks and mortar' banks. To survive this competition, and to leverage the new opportunities of online and mobile banking facilitated by the Internet, many banks have adapted a hybrid, 'clicks and mortar' model, to increase their profitability while reducing transaction costs. Banking and investment have been revolutionaries by the rapid diffusion of the Internet. As a response to globalization and deregulation of financial markets and increased competition from non-bank financial institutions and online banks.
This model is becoming increasingly popular because of its perceived ability to lower costs, create new revenue streams and augment existing distribution channels. Internet banking gains momentums, decreasing switching costs make consumer loyalties harder to retain banking demonstrates the attributes of an oligopoly, making use of use risk avoidance and relatively undifferentiated customer service approaches. One of the major factors affecting the banks is the changing need and perceptions of the consumer. Increasingly, consumers expect online services from their financial institutions and electronic delivery of services is becoming a necessity. Banks are using the Internet as a strategic weapon, leveraging it as a distribution channel to offer complex products at the same quality they can provide from their physical branches, at a lower cost, to more potential customers, without boundaries. The online channel enables banks to offer low-cost, high value-added financial services and also benefit from the promotional opportunity to cross-sell products such as credit cards and loans. Online transaction costs can be as low as 1 % of an equivalent off-line transaction, rapidly increasing the popularity of the online option with consumers, as well as banks. In saving time and money for users, banks offer online banking as a less expensive alternative to branch banking. In addition, online banking enables banks to acquire information on consumer habits and preferences, for later marketing purposes. An expanding customer base and transaction cost savings are major benefits for banks.
The lack of brand awareness and recognition is still an issue with Internet-only banks, which carry liquidity risks and may be subject to panic withdrawals. Pricing for individual services such as fee-per-chequeing transaction or per-transfer may also still be an issue.
Although physical banks are increasingly charging such fees – removing the distinction between the offerings of the two types. Another innovation which has had an impact on banks is the rapidly evolving concept of mobile banking. The simple concept of banking on handheld devices such as mobile phones is becoming more popular, as it leverages Internet connectivity to bring convenience to consumer's finger tips.
Customer confidence and comfort levels seem to increase when banking online with a known 'bricks and mortar' brand name. Banks appear to have a distinct advantage where they offer a range of integrated services – leveraging the Internet and mobile networks.
Economy-specific issues and consumer attitudes do have an impact on banking models. In this section we broadly review the banking sector movements towards the 'clicks and mortar' model of banking, through technological innovations and shifting consumer attitudes in India.
The convenience these systems provide has resulted in more than 50% of banking transactions (such as withdrawals, account management, deposits) being conducted outside bank branches with consequent financial benefits to the banks themselves.
Islands of applications in the branches of a bank, with dissimilar computers, operating systems and application packages. There's no integration of such application and hence forcing the manual intervention.
Due to various flavors of hardware and software, no data integrity could be maintained even though the application was for the same business purpose. Ex: No one could see a unified picture of overall deposits, loans customer information etc of the whole Bank.
Due to dissimilar application packages, Inter branch reconciliation and communication was not possible. Even if it was made possible, it was not straight through.
Not able to trust vendors, banks relied on half vendor based software and half in-house software. They couldn't integrate the two, without some manual intervention.
Due to the above problems, banks are still dependent on manual procedures only. More than 50% of the process of generating MIS from the branches and send to their Central Office required manual intervention.
Instead of alleviating the threats posed by manual banking, it actually increased them further, leaving lot of confusion on whom to make accountable, the computer or the computer operator.
A distinctive & consistent customer experience, clear identification of the organization, technology & process related capability prioritization of these capabilities.
Companies are recognizing that employees have lives outside the company (workspace) and by providing the flexibility to accommodate family needs, leisure activities, and other obligation.
Greater ability to recruit and retain working parents.
How can a company choose their variable work timing?
What type of work employees do?
How does employee interact with customers?
How much internal coordination is required?
Banking is getting more convenient. You don't always have to jostle with the crowds at the counter during the peak hour. Now you can walk into some bank branches at a late evening hour or even on a Sundays. A number of banks have extended their working hours in select branches. A decade ago, banks were open for public transactions for any four hours between 8.30 a.m and 2.30 p.m, depending on local convenience. This was extended by about two hours a few years ago. Now, bank branches being open for 12 hours and more are getting common.
A couple of branches of IndusInd Bank have started banking on Sundays. ICICI, Bank of Boroda offers 8 a.m to 8 p.m banking at many of its branches. Not always have these extended hours been introduced by banks to cater to increased traffic. Sometimes the bank is trying to convey a subtle message with the symbolism of extended hours - that it cares for its customers. Most of our customers prefer coming to the branch but cannot make it during normal business hours. The traffic of the customers is very high during the evening hours.
However, extended banking hours does not work at every place. With advanced technology, banking transactions can take place very easily and hardly adds up to the cost. Therefore, on Sunday, our branch will have only few staff members and 8-8 banking will have staff members on a rotational basis. Some public sector banks too had started 8-8 banking a few years ago. The largest bank, State Bank of India, started extended banking hours at some metro branches seven years ago. However, with the increasing number of ATMs, a customer's dependence on a bank's branch has reduced considerably. There are only a few customers who visit the branch for enquiries and cheque collections during the extended hours in certain branches. some branch managers have said that there are fewer footfalls at bank's branches during the extended hours.
The respondents are mixed (gender/ income level/occupation/education level).
Ghauri (2002) stated that: sample size depend on the desired precision from the estimate. Precision is the size of the estimating interval when the problem is one of estimating a population parameter".
The research is going to collect the data from the ATMS and also by visiting the bank.
Secondary data are those, which are collected from the already existing information through reference. The secondary data are collected by analyzing various materials like Com¬pany profiles, Magazines, Journals, Past records and reports and websites.
Our communication approach was basically structured questioning, that is personal interview with the aid of printed questionnaires.
Appropriate statistical analysis will be adopted.
The data will be tabulated and analyzed.
From the table we understood that out of 120 customers, 86.7% are handling saving account with this branch and 13.3 % are handling current account.
Out of 120 customers, 80.8% are male and 19.2% are female who handle accounts in this branch.
From this we come to know that out of 120 customers, 52.5% customers visit the bank weekly for their work to be done, 39% visit the bank once in a month and remaining come daily.
INFERENCE: From this we come to know that 57.5% of customers use both internet banking and personnel banking for their transaction to be done. 35% of customers use only use Personnel banking. 7.5% of customers use only internet banking.
From this we come to know that about 5% customers are highly satisfied, 51.7% of them were satisfied, 25 % have neutral opinion about the branch functioning and 17.4 % were not satisfied.
From the above data we come to know that, 89.17% of customers were aware of Locker service, 85.83 % of customers were of aware of Internet banking, 43.33% of customers were of aware of DEMAT services, 25% of customers were of RTGS/NEFT and 5.83% of customers were aware of NRI services.
From this we come to know that about 18.33% of customers are highly satisfied, 50.83% were satisfied, 21.67 % have neutral opinion about the quality of service offered and 9.1 % were not satisfied.
From this we come to know that about 20% of customers are highly satisfied, 32.5% were satisfied, 34.17 % have neutral opinion about the staff handling offered and 13.33 % were not satisfied.
From this we come to know that about 37.50% of customers are highly satisfied, 40% were satisfied, 10 % have neutral opinion about the branch spacious offered and 12.5 % were not satisfied.
From this we come to know that about 21.67% of customers are highly satisfied, 22.5% were satisfied, 34.17 % have neutral opinion about the professional appearance offered and 21.67 % were not satisfied.
From this we come to know that only 85.83% of customers were aware of internet banking offered by bank.
From this we come to know that 72.5% of customers were aware of fund transfer, 10.8% were aware of bill payment, 9.17% were aware of Railway reservation, 5% were aware of tax payment and 3.33% were aware of RTGS/NEFT.
Only 8.3% of customers were satisfied with internet banking, about 37.5 % have neutral opinion and 54.3% were dissatisfied.
From this we come to know that 92.5% of customers were satisfied with ATM availability.
From this we come to know that 77.5 % of customers were satisfied with ease of use.
From the data we come to know that 22.5% of customers were highly satisfied, 35.83% were satisfied, 15% have neutral opinion and 26.67% were dissatisfied.
From the data we come to know about 60.83% of customer place the queries through Phone, 17.5% of them through mail and remaining personally.
From the data we come to know that 24.17% of customers were highly satisfied, 39.17% were satisfied, 23.33% have neutral opinion and 13.2% were dissatisfied.
Branch ambience, low pricing and speed of transaction were top 3 preferences in choosing this branch from the opinion of 120 customers.
From the data we come to know that 10.83% of customers were highly satisfied, 43.33% were satisfied, 30.83% have neutral opinion and 15% were dissatisfied.
From the data we come to know that about 60.83% of customers have positive opinion that implementation 12 hrs banking will improve business.
From the data we come to know that 12.5% of customers were highly agree, 21.67% were agree, 31.67% have neutral opinion and 34.16% were disagree with implementation of 12hrs banking exploit resource.
From the data we come to know that 9.17% of customers were highly agree, 27.5% were agree, 34.17% have neutral opinion and 19.16% were disagree with implementation of 12 hrs banking will be burden to staff.
From the data we come to know that 9.17% of customers were highly agree, 18.33% were agree, 32.5% have neutral opinion and 40% were disagree with implementation of 12 hrs banking avoid transaction.
From the data we come to know that 37.5% of customers were highly agree, 40% were agree, 10% have neutral opinion and 12.5% were disagree with implementation of 12 hrs banking improve service quality.
From the data we come to know that 25.83% of customers highly agree, 40.83% of them agree 19.17 were neutral in their opinion and 14% of them disagree with implementation of 12 hours banking improvement in customer loyalty.
From the data we come to know that 12.5% of customers were highly agree, 37.5 % were agree, 30% have neutral opinion and 20% were disagree with implementation of 12 hours banking affect internet banking.
Ho- there is significant difference between implementation of 12 hrs banking in this branch and other compete ting public, private and foreign banking.
H1- there is significant difference between implementation of 12 hrs banking in this branch and other compete ting public, private and foreign banking.
So, there is significant difference between implementation of 12 hrs banking in this branch and other compete ting public, private and foreign banking.
This branch will be dependent on other compete ting banks if 12 hrs is implemented.
From the data we come to know 43.33% of customer want shift basis, 39.17% of them wants extended timing and 17.5% want 8-8 banking for their 12 hrs banking to get implemented.
Internet banking will get affected if this branch implements 12 hours banking.
H0- no significant difference between implementing 12 hrs banking to improve business and 12 hrs make additional cost.
H1- significant difference between implementing 12 hrs banking to improve business and 12 hrs make additional cost.
So, there is no significant difference between implementing 12 hrs banking to improve business and 12 hrs make additional cost.
Implementation of 12 hrs banking will not incur additional cost to bank.
89.17% of customers were aware of Locker service, 85.83 % of customers were of aware of Internet banking, 43.33% of customers were of aware of DEMAT services, 25% of customers were of RTGS/NEFT and 5.83% of customers were aware of NRI services. This shows that there is communication gap between bank and customers. So marketing strategy should be improved. (Chart 6).
across the range of financial products / services available, they need to increase thir service.
Referral sources are the Long-term customers.
In order to tailor the products, long term relationships are necessary.
How can you differentiate between your satisfied customers and your loyal customers? Here are eight ways. They are equally relevant to your external customers as they are to your internal employee customers.
Pricing. You negotiate prices with satisfied customers. You negotiate costs with loyal customers.
Payment. Satisfied customer pay at their discretion. Loyal customers pay on time.
Referrals. Satisfied customers become referrals of your competitors. Loyal customers willingly provide referrals to you.
Turnover. Turnover rates of 15% or higher of satisfied customers, less than 5% are out of your control.
Perception. Satisfied customers perceive you as a commodity provide, while loyal customers perceive as a partner.
These are services which attracted more customers. So this service can be improved by Technological up gradation, Expansion of ATM network, Advertisements, Additional sales force, Market campaign, Door step banking, Additional customer service counters using 12 hours banking, which interns increases customer loyalty.
- To serve U better.
Merge with associated subsidiary baks.
"The success of the economic reforms is therefore all to see and the driving force of these reforms is the Banking sector".
1.	Are you satisfied with the current branch function & time spent in this branch for your work?
2.	Please rank your preferences that at what aspect are you linked with this bank?
3.Are you aware of different types of services offered by bank?
4.	Are you satisfied with the quality of service provided by the bank staff?
5.	Staffs are in a position to reduce your queuing time in transaction & handle your transaction / problem in time?
8.Are you aware of internet banking service offered by bank?
9.	Are you satisfied with internet banking in terms of security (transaction & intimation)?
10.Is the bank ATM's available near your locality?
11.Is the bank ATM is easy to access?
12.Are you satisfied with ATM functioning (in terms of availability of cash, transaction slip)?
13. Which among the following is easy in placing your queries to bank?
14.Your level of satisfaction with the overall queries being handled?
15.Which among the following made you choose this branch?
18. Overall are you satisfied with the bank?
1.Are you aware and whether this branch requires 12 hrs banking?
2.	Will 12 hrs banking exploit resources?
3.Will 12 hrs banking burden to staff?
4.Will 12 hrs banking avoid transaction mistakes?
5.	Will 12 hrs banking improve service quality of bank?
6.	Will 12 hrs banking increase customer loyalties?
7.	Will 12 hrs banking affect Internet banking?
8.	Are you aware of 12hrs banking provided by private &foreign banks, can public sector banks compete them in terms of technology?
9.	How it can be implemented?


text:
Last edited by Kagagul
Friday, May 8, 2020 | History
2 edition of A handbook of gymnastics and athletics found in the catalog.
A handbook of gymnastics and athletics
by Ernst Georg Ravenstein
Published 1867 by Tr©ơbner in London .
Statement by E.G. Ravenstein and John Hulley
Contributions Hulley, John
Pagination viii, 408 pages :
Handbook of Sports Medicine and Science, Gymnastics Free pdf Download Ebook Get it $10 USD This new volume in the Handbook of Sports Medicine and Science series, published in conjunction with the Medical Commission of the International Olympic Committee, offers comprehensive and practical guidance on the training and medical care of competitive gymnasts. This new volume in the Handbook of Sports Medicine and Science series, published in conjunction with the Medical Commission of the International Olympic Committee, offers comprehensive and practical guidance on the training and medical care of competitive gymnasts. Written and edited by leading trainers, team doctors, coaches and other professionals with .
In Sports Injury Handbook, he shares his vast practical knowledge of sports medicine with recreational athletes who want to keep in shape, while minimizing aches, pains, and injuries. For ease of use, the main part of the guide is organized by body part and by: 3. of over 4, results for Books: Sports & Outdoors: Athletics & Gymnastics: Gymnastics Overcoming Gravity: A Systematic Approach to Gymnastics and Bodyweight Strength (Second Edition) 26 December
Handbook of Sports Medicine and Science - Gymnastics by Dennis J. Caine, , available at Book Depository with free delivery worldwide.5/5(3). Tumbling Dreams: The Gymnastics Series #2 by April Adams and a great selection of related books, art and collectibles available now at
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A handbook of gymnastics and athletics by Ernst Georg Ravenstein Download PDF EPUB FB2
Texts All Books All Texts latest This Just In Smithsonian Libraries FEDLINK (US) Genealogy Lincoln Collection. National Emergency Library. Top A handbook of gymnastics and athletics by Hulley, John. Publication date Topics Gymnastics Publisher London: Trübner Collection.
Hand-Book of Calisthenics and Gymnastics: A Complete Drill-Book for Schools, Families, and Gymnasiums, With Music to Accompany the Exercises (Classic Reprint) [Watson, J.
Madison] on *FREE* shipping on qualifying : J. Madison Watson. In the Handbook of Free Gymnastics, you'll discover a wide variety of exercises done with no equipment.
These are basics and are done with a military bent not seen elsewhere. Also in this volume is a variety of dumbbell exercises you can use.1/5(1). Gymnastics / edited by Dennis J. Caine, PhD, Keith Russell, PhD, Liesbeth Lim, MD. pages cm — (Handbook of sports medicine and science) Includes bibliographical references and index.
ISBN (softback: alk. paper)—ISBN — ISBN (mobi)—ISBN (pdf)—File Size: 3MB. Audio Books & Poetry Community Audio Computers, Technology and Science Music, Arts & Culture News & Public Affairs Non-English Audio Spirituality & Religion Librivox Free Audiobook Slingsbot & fejimanz's Super Happy Friendship Hour Ciudad Vida Global Connect Catch This Tea EPIC SECONDS RADIO Erik van Mechelen - Essays and Fiction.
"This new entry in the Handbook of Sports Medicine and Science series, published in partnership with the Medical Commission of the International Olympic Committee, and endorsed by the International Gymnastics Federation (FIG), offers comprehensive and practical guidance on the training and medical care of competitive gymnasts.".
The Routledge Handbook of Sports Performance Analysis is the most comprehensive guide to this exciting and dynamic branch of sport science ever to be published.
The book explores performance analysis across the four main contexts in which it is commonly used: support for coaches and athletes; the media; judging sport contests, and academic. Books shelved as gymnastics: Off Balance by Dominique Moceanu, Chalked Up: Inside Elite Gymnastics' Merciless Coaching, Overzealous Parents, Eating Disor.
4 | AACPS –18 Athletic Handbook I. General Information SECTION 3: SCHOOL CONTACT INFORMATION Athletic Department Contact List | – Coordinator of Athletics Clayton Culp Phone: Fax: [email protected] Athletic Support Technician Krissy Albright [email protected] Athletic Specialist Brian Layman File Size: 2MB.
The Michigan High School Athletic Association, Inc. Constitution, together with the Eli gibility and Contest Regu-lations as published in the Handbook, are important if effective and fair treatment is to be provided all participants.
Between publications of the Handbook, benchmarksand the website of the Michigan High School Athletic Associ. Rhythmic gymnastics is characterised by numerous qualitative and quantitative factors, but only the quantitative factors can be objectified in order to identify performance indicators.
Due to high creativity of gymnasts and modifications of the Code of Points, the respective influence of particular performance indicators has changed in the past. Handbook of gymnastics in the schools: instructional, exhibitional, and competitive gymnastics for men and women Hardcover – January 1, by James A Baley (Author)Author: James A Baley.
Online shopping for Athletics - Athletics & Gymnastics from a great selection at Books Store. Online shopping for Athletics - Athletics & Gymnastics from a great selection at Books Store.
Skip to main content Runner's World Complete Book of Running: Everything You Need to Run for Weight Loss, Fitness, and Competition Employee Handbook/Personnel Policy. All Policies in this handbook become effective September 1, In this handbook "GymQuest" will respectively refer to GymQuest of Plainfield LLC and DanceQuest of Plainfield.
4 MAJOR HANDBOOK REVISIONS FOR THE SCHOOL YEAR RU Qualifications of Coaches Added the word "Debate" File Size: 4MB. Values in gymnastics are discussed from anthropological, sociological, psychological, and physiological perspectives, which point out the instinctive basis of gymnastic activity and the objectives common to all physical education activities--physical courage, determination, perseverence, self-respect, self-reliance, and empathy.
The historical development of gymnastics. book test in the sport. Again, it is recommended that assistant coaches also take and pass the online open book - test, but it is not mandatory. The above is being done in an attempt to improve knowledge of the rules among the high school coaches.
Notification of testing dates and procedures will be sent to Athletic Directors of each school. The New York State Public High School Athletic Association Inc. is a non-profit, voluntary, educational service organization composed of public, parochial, and private schools dedicated to providing equitable and safe competition for the students of its member schools.
Handbook for Athletics in the Catholic Elementary School, 7. is a concise narrative outlining the values, beliefs, and practices of a particular organization. The philosophy statement should clearly define the organization's objectives, methods, and.
GYMNASTICS. HANDBOOK. GYMNASTICS MEET TIME: P.M., Unless otherwise stated. POSTPONEMENTS: Reschedule meet to the next available date. If the meet is to be postponed for any reason, home school is to notify visiting school by 12 noon.
This volume in the Handbook of Sports Medicine and Science series presents a concise summary of the science and practice of psychology in the context of sport. Psychological aspects central to sport performance such as motivation, cognition, stress, confidence, and mental preparation are examined and interventions designed to enhance individual and team 4/5(1).
About this book A practical handbook for sports psychologists that outlines the most effective interventions for athletes across a variety of sports.
A practical manual for the growing force of sports psychologists helping today's athletes to unprecedented levels of application and success."This new entry in the Handbook of Sports Medicine and Science series, published in partnership with the Medical Commission of the International Olympic Committee, and endorsed by the International Gymnastics Federation (FIG), offers comprehensive and practical guidance on the training and medical care of competitive gymnasts.".4/4(1).
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text:
Night Sky Sights
Meet Antares: The Star That Is Not Mars
By: Daniel Johnson September 3, 2020 5
Antares is a red supergiant that rises low over the southern horizon in the Northern Hemisphere.
Antares Vitals
Official name Antares
Other designations Alpha Scorpii, HR 6134, HIP 80763, HD 148478
Nicknames -
Apparent Magnitude 1.06
Distance from Earth 550 light-years
Type Red supergiant of type M0.5Iab
Mass ~12 M☉
Radius ~700 R☉
Constellation Scorpius
Right Ascension 16h 29m 24s
Declination -26° 25' 55"
Multiple system? Yes
Variable star? Yes
Exoplanets status None known
Probable fate Supernova
Shining boldly in the constellation Scorpius is the red supergiant star Antares — a star some 700 times larger than the Sun and so incredibly enormous that it challenges the English language. Put it this way: If the Sun were a penny lying on a basketball court, Antares would be almost the width of the court itself. Or, if you were to put Antares in place of the Sun, we'd be inside it. Its edge would be out past the orbit of Mars.
Still, it's hard to say exactly how large it is. Like other red supergiants, such as Betelgeuse, the star is comparatively diffuse for its size, containing only around 12 times the Sun's mass. Naturally, the outer edges of Antares' atmosphere are particularly rarefied. Add the fact that Antares disperses some gases out into space via its stellar wind, and you can see just what a challenge it is for astronomers to gauge its diameter. But there's no question it's a star of breathtaking proportions. Antares is also extremely luminous, shining with the light of more than 10,000 Suns.
In 2017, the astronomers used the European Southern Observatory's Very Large Telescope Interferometer to construct an image of Antares' surface — an amazing achievement considering the distances involved, only accomplished for a few other (giant) stars.
Using the European Southern Observatory's Very Large Telescope Interferometer, astronomers have constructed this remarkable image of the red supergiant star Antares.
ESO / K. Ohnaka
Antares is a binary system. The primary star that can be seen with your unaided eye is the red supergiant; its companion — Antares B — is a smaller main-sequence B-type star of 5th magnitude. It's visible but easily lost in the glare of its rival and requires a fairly large telescope to see.
Eventually — and it could theoretically even happen tomorrow — Antares will run out of fuel. When that dramatic moment occurs, the force of gravity will exceed that of the Antares' internal pressure. Antares will implode, then re-explode with the phenomenal force of a supernova, leaving behind a neutron star or black hole. Supernovae within our own galaxy are rare, even as the recent dimming and subsequent brightening of Betelgeuse had us on the edge of our collective seat. But if Antares ever does become a supernova, you can be sure it will be one of the most amazing astronomical events in modern history!
Origin / Mythology
The name Antares has an unusual origin. Most of us are familiar with the Roman names of the planets, such as Mercury, Venus, Mars. But take a moment to consider the Greek forms: Hermes, Aphrodite, and Ares. The word Ares (Mars) is nestled into the name Antares. The prefix "ant-" is also Greek, meaning "anti-" or "opposing." So in a way, the word Antares is saying, "Not Mars!"
Akira Fujii
It makes sense: Antares is a red star, located near the ecliptic (where you'll find planets), and approximately the same hue and brightness of Mars. You can almost imagine an ancient conversation: someone asks, "Is that Ares?" and another answers, "No, that's anti-Ares."
Antares is also known as the "Heart of the Scorpion" and has been for a long time. Babylonian writings from 5,000 years ago refer to the constellation as a being with a "burning sting." In Greek lore, the Scorpion occasionally battles Orion, the Hunter, so the two of them are separated in the sky — Orion is visible in the winter, Scorpius in the summer. Scorpius was a larger constellation until about 2,100 years ago, when the Romans assigned some of the stars to Libra.
Other cultures have other names for the star and its constellation. In ancient China, Antares was called the Fire Star, for obvious reasons, and was part of a dragon constellation. In native Hawaiian stories, the constellation is instead a fishhook. In one tale, the popular folk hero Maui uses the hook to pull the Hawaiian Islands up out of the sea. Antares (Lehua Kona) sits just above the point of the hook.
In recent history, Antares was selected as the name of Apollo 14's lunar module, which landed with astronauts Alan Shepard and Edgar Mitchell in the Fra Mauro region of the Moon in February 1970.
How to See Antares
Mars shines brilliantly from the head of Scorpius not far from Saturn and Antares on May 16, 2016, as seen from Duluth, Minnesota.
Bob King
Summer evenings are a fine time to seek out Antares, when the star rides about as high as it will get along the southern horizon. This is particularly important if you're trying to view Antares from more northerly latitudes. Unfortunately, there aren't too many bright or famous stars in the vicinity to help point you in the right direction — mostly 2nd and 3rd magnitude neighbors. Fortunately, Scorpius itself is an easily recognizable constellation, although again, its position in the south can make viewing a challenge. The Moon also makes a monthly visit to Antares' vicinity and can act as a guide at these times.
Antares lingers low in the southern sky during these late summer nights. Author Daniel Johnson took this image in late August.
Daniel Johnson is a Wisconsin-based freelance writer and professional photographer and the co-author of over a dozen books. He's a longtime amateur astronomer and fortunate enough to live in a rural region with excellent seeing conditions. You can view some of Dan's photography (he does a lot of animals!) at www.foxhillphoto.com
Nice story. I always liked Antares brcause of it's colour.
But should not "The suffix "ant-" " read "The prefix ant-"?
Also, "the Romans redistributed some of the stars to make Libra." The Romans were pretty powerful at one point, but I don't know if they could've done THAT. 🙂
But really, good article.
Monica Young
Indeed, I've fixed the typo!
TenOfSwords
Since the Sun passes several degrees north of Antares when it passes Antares on November 30 or December 1 (depending on your time zone and the year's relationship to the most recent or next upcoming leap year), Antares is invisible to Northern Hemisphere observers for a time both before and after these dates, the further north you are, the longer the period of invisibility.
misha17
1. "In Greek lore, the Scorpion occasionally battles Orion, the Hunter, so the two of them are separated in the sky — Orion is visible in the winter, Scorpius in the summer."
Actually Scorpius and Taurus are more exactly opposite each other - Antares and Aldebaran are almost exactly 12 hrs appart in Right Ascension.
Antares is in conjunction with the Sun on Nov 30 or Dec 1st, and Aldebaran is in conjunction with the Sun around June 1st (Wikipedia).
2. "The Moon also makes a monthly visit to Antares' vicinity and can act as a guide at these times."
Antares lies close enough to the ecliptic that the Moon can occasionally occult it. But it lies close to the southern limit of the Moon's passage, so it only has 1 "occultation season" every 18.6 years, lasting 5 years beginning and ending with occultations visible in far Northern latitudes.


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Multiple Grammy winning Emblem/Atlantic recording artist Rob Thomas has announced plans for a set of intimate shows to benefit Sidewalk Angels Foundation, the non-profit organization founded by Rob and his wife Marisol. Thomas will return to Uncasville, CT's Mohegan Sun on December 30 and Atlantic City's Borgata Casino January 6 and 7, 2012. These shows offer a rare and exciting opportunity to catch the superstar performing in a more up close and personal setting than usual, playing a career-spanning set. "It's a chance for me, as a songwriter, to really highlight lyric and melody and to create different versions of songs that I've been playing for years," says Thomas.
Tickets for these shows go on sale beginning this Saturday, November 5. For details and ticket information, please visit:www.robthomasmusic.com and www.sidewalkangelsfoundation.com.
Rob Thomas is one of the most distinctive vocalists and accomplished songwriters in contemporary music, garnering a string of accolades – both for his work as lead singer and primary composer with matchbox twenty as well as for his solo work and collaborations with other artists. In 2004, the Songwriters Hall of Fame presented Thomas with its first ever "Starlight Award" – created to recognize a songwriter in the early years of his or her career that has already made a lasting impact. He has won numerous BMI and ASCAP Awards, and has earned the Songwriter of the Year crown from both Billboard and BMI, two years in a row.
Thomas is best known for his chart-topping solos such as "Lonely No More" and "This is How a Heart Breaks" and matchbox twenty hits like "Push," "3AM," "If You're Gone," and "Bent." Thomas also earned three Grammy Awards for "Smooth," his smash collaboration with Santana. Thomas wrote and sang the song, which currently ranks first on Billboard's "Top Hot 100 Rock Songs" chart and second on the magazine's "Hot 100 All-Time Top Songs." Thomas' latest album, Cradlesong, has generated even more number one hits, including "Someday" and "Her Diamonds" . Overall, Thomas has contributed to sales of more than 80 million records.
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Q: webkitgtk custom scheme and XMLHttpRequest I have a custom scheme ("embed") which serves data from an sqlite db
while I can do (inside a embed scheme page)
<img src="embed://any/old/uri/image.gif" />
if I try to do XMLHttpRequests I can only do relative paths, and only ones without double dots which seem to be stripped
Is there any way to get resources anywhere from the same scheme without issues.  I notice the issue (as well as simple jscript tests) with three.js and howl.js It would be nice to be able to pull resources from anywhere within the same scheme.
I have tried the following
WebKitSettings *wks = webkit_web_view_get_settings (webView);
webkit_settings_set_enable_webgl (wks, TRUE);
webkit_settings_set_enable_webaudio (wks, TRUE);
webkit_settings_set_enable_xss_auditor(wks,FALSE);
webkit_settings_set_enable_hyperlink_auditing(wks, FALSE);
webkit_settings_set_enable_write_console_messages_to_stdout(wks, TRUE);

I also tried
webkit_security_manager_register_uri_scheme_as_local(wksm ,"embed");

but that seems to make things worse! I tried a bunch of other stuff but just seem to be chasing my own tail at the moment!
To be clear I'd be quite happy to turn off all "security" and let any embed:// resource have access to any other embed:// resource regardless of access method.

A: interesting one this!
a URI specification must contain a domain
as such this is the first part of the URI
embed://demo/content/main.js
embed://demo/image/texture.jpg

will work (here main.js is accessing texture.jpg)
embed://content/main.js
embed://image/texture.jpg

won't work! accessing texture.jpg from main.js looks to webkit as if a script on the content domain is accessing a resource on the image domain

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text:
Court orders Antall József Knowledge Center to pay fired employee HUF 7 million for wrongful termination
A breakdown of supporters for Hungary's mainstream political parties
"Our Forgotten Neighbors" tells story of Pápa's lost Jewish families
Creepy scarecrows erected at Hungarian border to keep refugees out
August 17, 2016 - Viktória Serdült
Permalink: https://goo.gl/mC4Bie
Pictures of scarecrows installed to keep refugees away from the Hungarian border have started to appear on social media. The group responsible for posting the images claims that the method is working, as there has been no illegal border crossing in the area in the last four weeks.
It seems Hungarian security forces have resorted to a tactic usually reserved for crows and other birds.
The photos were uploaded onto the Facebook page of a group that supports Hungary's police and troops, especially those patrolling the border. The pictures were probably taken by security personnel because ordinary Hungarians aren't normally allowed in the vicinity of the boundary fences.
The account posting the images said the masks were made in part out of carved sugarbeet root and that no migrants had reportedly crossed in the areas where the scarecrows have been installed over the past month.
The photos have divided Hungarian society. Followers of the page and supporters of police and army think such measures should be allowed to keep migrants away. Others think the scary heads are inhumane.
"I have no words. We (Hungarians) are better than this," wrote one Facebook user.


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LinkedIn gives up on Stories
It's shutting down Stories by the end of September
By Jay Peters
Aug 31, 2021, 7:33 PM UTC |
Photo by Lorenzo Di Cola/NurPhoto via Getty Images
LinkedIn is shutting down its ephemeral Stories product, the company announced Tuesday. The company plans to "remove the current Stories experience by the end of September," according to Liz Li, senior director of product. The Snapchat-style video Stories were first launched in February 2020 in internal testing.
Part of the reason for the shutdown is that LinkedIn learned users just didn't want disappearing video. "In developing Stories, we assumed people wouldn't want informal videos attached to their profile, and that ephemerality would reduce barriers that people feel about posting," Li said. "Turns out, you want to create lasting videos that tell your professional story in a more personal way and that showcase both your personality and expertise."
LinkedIn's move follows Twitter's shutdown of Fleets
LinkedIn's move follows Twitter's shutdown of Fleets, its Stories-like product, in July. Like LinkedIn, Twitter observed that users didn't respond to ephemeral video in the way it had wanted. "We hoped Fleets would help more people feel comfortable joining the conversation on Twitter," Ilya Brown, Twitter's vice president of product, said on Twitter's blog. "But, in the time since we introduced Fleets to everyone, we haven't seen an increase in the number of new people joining the conversation with Fleets like we hoped."
The two shutdowns could signal a broader pullback from ephemeral video products among social media companies. However, it seems unlikely that Snapchat or Instagram will be giving up on their Stories products anytime soon.
Now we just have to wait and see which social media companies step back from their Clubhouse clones. If you were wondering, yes, LinkedIn is working on one of those.


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Experimental Test Pilot Salary in Philadelphia, Pennsylvania
How much does an Experimental Test Pilot make in Philadelphia, PA? The average Experimental Test Pilot salary in Philadelphia, PA is $124,982 as of December 26, 2019, but the salary range typically falls between $114,366 and $137,758. Salary ranges can vary widely depending on many important factors, including education, certifications, additional skills, the number of years you have spent in your profession. With more online, real-time compensation data than any other website, Salary.com helps you determine your exact pay target.
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About Philadelphia, Pennsylvania
Philadelphia, sometimes known colloquially as Philly, is the largest city in the U.S. state and Commonwealth of Pennsylvania, and the sixth-most populous U.S. city, with a 2017 census-estimated population of 1,580,863. Since 1854, the city has been coterminous with Philadelphia County, the most populous county in Pennsylvania and the urban core of the eighth-largest U.S. metropolitan statistical area, with over 6 million residents as of 2017[update]. Philadelphia is also the economic and cultural anchor of the greater Delaware Valley, located along the lower Delaware and Schuylkill Rivers, wit...
These charts show the average base salary (core compensation), as well as the average total cash compensation for the job of Experimental Test Pilot in Philadelphia, PA. The base salary for Experimental Test Pilot ranges from $114,366 to $137,758 with the average base salary of $124,982. The total cash compensation, which includes base, and annual incentives, can vary anywhere from $118,553 to $146,988 with the average total cash compensation of $131,032.
About Philadelphia, Pennsylvania Philadelphia, sometimes known colloquially as Philly, is the largest city in the U.S. state and Commonwealth of Pennsylvania, and the sixth-most popul....More
Philadelphia, Pennsylvania area prices were up 1.0% from a year ago
Experimental Test Pilot Salary in popular cities: Pittsburgh, Allentown, Erie


These quick and easy gluten-free blueberry scones can be made with fresh or dried blueberries and are easily adaptable. They're perfect for breakfast or an afternoon snack.
One thing I really like about gluten-free baking is that sometimes it's actually easier than traditional baking! As much as I love regular scones, it seems like I always overwork the dough, resulting in tough scones, or I add too much liquid making them muffin-like.
Neither of those issues comes into play with these gluten-free blueberry scones. There's no butter (or any added fat!) in the recipe for you to overwork and there's also no milk or cream that you need to be judicious about. I cringe whenever I see that I'm supposed to add "just enough" liquid so that the dough comes together because, honestly, I have no idea when that is.
That said, these gluten-free scones don't have the same texture as a regular scone made with all-purpose flour. If that's what you're looking for, try Jamie's blueberry scones or my whole grain chocolate orange scones. These blueberry scones aren't buttery or flaky in the traditional sense but they have a lovely texture with a nicely browned crust.
It's a great base recipe which you can play around with to suit the season or whatever you're craving at the moment. It's almond flour based with a little coconut flour thrown in to improve the texture, but you can't really taste a strong almond or coconut flavor. You'll definitely want to add in some extracts or zests to liven them up! If making a lemon version, I recommend adding about two teaspoons of zest for added lemony goodness. Lime zest would also make for a fun variation.
This recipe calls for dried blueberries but fresh blueberries work just as well. I loved the chewy bits of dried blueberries, but if you're looking for juicy – go with fresh blueberries! Just be extremely careful when adding them to the scone dough so that they don't break.
I rolled the scones in flaked almonds to make them a little prettier. Coarse sugar is another great option that adds a little extra crunch as well as sweetness.
It's important to note that there aren't any subs for the almond and coconut flours. If you don't have those on hand, this gluten-free granola makes for an awesome breakfast!
Preheat oven to 350 °F and line a baking sheet with a piece of parchment paper.
Let cool for 2 minutes on the baking sheet and then remove to a wire rack to cool completely.
Store in an airtight container for up to 2 days. They'll become a little moister the longer they sit.
If you need these to be gluten-free, make sure all your products are certified gluten-free.
I love these scones, they look so yummy, and its a perfect gluten free recipe to have for my friends who have intolerance.
How would fresh blueberries work?
Those would be fine! Just be very careful when incorporating them into the dough so that they don't break.
I just bought a big bag of dried blueberries and wasn't sure how I was going to use them! These scones look like the perfect way to put them to good use!
Made these last week and they were a big hit with our two young kiddos & me! Love that they're pretty healthy; got to eat them for breakfast guilt-free.
I'm so happy that you and you and your family enjoyed them! I love guilt-free treats like this for breakfast. I'd honestly love to eat a cinnamon bun every day but these will do, too. ;) Thanks so much for your feedback!
Gluten free baking isn't just for people who are following a gluten free diet. Recipes such as these are so delicious that you wouldn't even notice that the gluten is gone! It looks like it would be fairly easy to substitute another berry, such as raspberries, instead of blueberries to change things up.
Thanks for your comment, Gwen! I totally agree with you. I don't follow a GF diet but enjoy recipes like this because they really are tasty. And I bet raspberries would be wonderful in these!
I haven't tried freezing these but I wouldn't freeze them before baking and I'm not totally positive that they'd be all that good when freezing after baking, either. Sorry about that!
I made this recipe it taste delicious my only disappointment was they didn't rise like your photo. I did exactly as the recipe stated, but they never got as puffy as yours, any ideas?
I'm so happy to hear that you liked them! They don't rise all that much, at least compared to a traditional scone, and I wouldn't call them puffy but they should have risen a bit. Has your baking powder (and soda) expired, by any chance? That would explain it! Otherwise, I'm not really sure what the problem could be.
If they have quite a bit of frost on them, I wouldn't recommend it as it'll make the dough too watery. I think if you thaw them first, the dough would get pretty messy, which is why I prefer adding them to the dough still frozen. I hope you'll enjoy them!
My mixture came out incredibly dry!!!!! I guess I'll just have to keep adding milk until it seems like a dough type consistency……I'm not sure where exactly I went "wrong" but I this recipe doesn't seem to have worked out….???
I'm sorry they didn't work out for you! The other two reviewers seem to have had luck so I'm guessing something might have gone wrong. Did you make any subs or changes to the recipe at all? What brand of almond flour did you use? The dough shouldn't have been dry with the 2 eggs and maple syrup in there.
These turned out AMAZING!!! So easy and absolutely delicious. I didn't have almond flour on hand so I ground up whole almonds into a meal/flour and it worked perfectly. I also ended up using lemon zest because I didn't have lemon extract. Definitely a keeper recipe. Thanks!
I'm so happy that you enjoyed them! It's great to know that homemade almond meal works well in these. :) Thanks for your comment!


This is the third time in a roll that Rivers youth will be shutting down the power transmission line to Bayelsa State, the first happening late last year and the other in February 2018.
Darkness is looming in Bayelsa State and its environs as some youth have destroyed a 132KVA high transmission line at Ahoada area of Rivers State, which supplies powert to the state and its environs.
On Monday, the Port Harcourt Electricity Distribution Company (PHED) said it received a disturbing report that some restive youth of Ahoada had shut down the transmission station located at Ahoada.
John Onyi, Manager, Corporate Communications, PHED, said efforts were underway to restore power to affected areas of Bayelsa State.
"We are still making frantic efforts to establish link with relevant authorities in the area with a view to finding out the remote cause of their action," he said.


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North Pacific Coast
Playa Langosta
Guanacaste Airport
Hacienda Pinilla
Marino las Baulas Nat Park
Playa Avellana
Tamarindo Airport
Tamarindo, Guanacaste
Explore Costa Rica's Beaches in Tamarindo, Guanacaste
Located right along the gorgeous shores of the North Pacific Coast, Tamarindo, Guanacaste is a favorite spot of tourists and locals alike, especially those seeking an exceptional beachside vacation.
While Tamarindo is a fairly small beach town, its culture more than makes up for its size. With lots to do and see, it's one of the most popular spots for those seeking to vacation in Costa Rica, and with good reason!
Best Hotels in Tamarindo
Hotel Tamarindo Diria Beach Resort
Capitán Suizo Beachfront Boutique Hotel
Jardín del Edén Boutique Hotel
Selina Tamarindo
Hotel Luna Llena
Hotel Pasatiempo
Los Altos de Eros Boutique Hotel & Spa
Tamarindo is best known as a great beach spot! It offers easy access to exceptional Costa Rica surf spots such as Playa Tamarindo, Playa Grande, Playa Negra, Playa Avellana and Playa Langosta, so it's very popular with both experienced and beginner surfers.
Tamarindo is bordered by a number of breathtaking beaches which are mere minutes away from the downtown area, though all of the Costa Rica beach destinations along the Northern Pacific Coast are great spots to dip your toes in the water and go for a beachside stroll. Visitors can enjoy miles of soft, golden sand and crystal-clear waters, helping to give the region its reputation as a tropical getaway.
Guachipelin Adventure Combo Pass
The best all day adventure combo that includes ziplining, horseback riding, white water river tubing, full buffet lunch, hot springs & volcanic mud bath.
Get Your Pass
In addition to other popular activities in the surf and on the shore like sunbathing, sailing, kayaking, and sport fishing, there's plenty to do further inland as well. You can dine at a local restaurant for a taste of authentic Costa Rica food culture, hike or bicycle down a forest trail, try your hand at horseback riding, or even go golfing!
It's easy to customize your Tamarindo vacation to suit your preferences, which also helps reduce crowding at its many attractions.
Best Things to Do in Tamarindo
There's a little something for everyone in Tamarindo. Whether you're a beachgoer intent on enjoying the sun and surf, or you're more interested in taking a canopy tour and exploring a nearby Marino Las Baulas National Park, your trip is sure to be filled to the brim with amazing sights and fun activities.
Splash Around
Beaches are the main draw in Tamarindo, and there's plenty of coastline to enjoy. Those who enjoy swimming and sunbathing will find a lot to enjoy at these beaches, as will anyone interested in trying their hand at kayaking and sailing.
Scuba Diving and Snorkeling
If you're interested in seeing more of Costa Rica's varied wildlife, be sure to grab some scuba gear, as the pacific ocean is full of tropical fish and other sea creatures you won't find anywhere else.
Surfing is especially popular in Tamarindo, even for those without much experience. The waves are fairly consistent and gentle, so everyone from beginners to experts can enjoy some laid-back surfing. Many vacationers also take surfing lessons offered in Tamarindo, while more experienced surfers can try out a surf trip or take a local surfing tour.
Guanacaste sportfishing is another of the town's big draws. If you're lucky, you might reel in a marlin or sailfish, which are known to live just off the coast. Rent a boat yourself, or consider taking the Coyote Sportfishing tour.
Head Outdoors
After you've had your fill of the beaches, be sure to head inland, as there's lots to do beyond the beaches and throughout all of Guanacaste.
Visit Costa Rican National Parks
National parks and wildlife refuges are another big draw of the Guanacaste area.
Nature-lovers are sure to want to explore Marino Las Baulas National Park, which is full of trails perfect for hiking and cycling. Rare species of plants and animals abound in this national park, from over 150 species of birds to a population of leatherback sea turtles, which use the park as a nesting site for their eggs.
View Activities
In addition to Marino Las Baulas National Park, the ever-popular Monkey Park in Portegolpe is just a 20 minute drive outside the city. Here, you can see howler monkeys as well as a butterfly garden.
See the Area on Horseback
Some visitors prefer to traverse the area on horseback. You can take horseback riding lessons in Tamarindo, which feature the added benefit of the beautiful natural scenery.
Another popular activity is golf, which feels like a whole different game when you're playing it surrounded by incredible coastlines and lush forests!
You'll also find a variety of incredible golf courses in Guanacaste, most notably the Hacienda Pinilla Golf Course, which is a gorgeously well-maintained course that spans 7500 yards. The Hacienda Pinilla area also includes the JW Marriott Guanacaste Resort & Spa, vacation rentals, and more permanent housing, all within walking distance of the course.
The Best Combo Tour in the Tamarindo
If you're looking for a good way to experience everything Tamarindo has to offer in one package, you may enjoy the Guachipelin Adventure, which bundles together ziplining, horseback riding, and river tubing activities. This tour picks up and drops off in Tamarindo and it is about an hour away near Rincon de la Vieja Volcano.
Food and Dancing
There's no better way to immerse yourself in a new place than by sampling its food and getting in touch with local culture!
Guanacaste is teeming with restaurants serving up regional favorites, and Tamarindo is no different. Consider visiting during a festival, such as the annual BPM Festival, when the streets are filled with dancing, laughter, and great food.
After sunset, get a taste of Costa Rica nightlife as you check out local bars full of drinking and dancing. Many venues offer live music from local performers, so be sure to explore downtown Tamarindo.
The Best Places to Stay in Tamarindo
There are no lack of wonderful accommodations in the area with something perfect for couples, friends, family travelers and more!
This large resort features 4 restaurants, 4 bars, a casino and a full-service spa. Don't miss the pizzeria and beach bar for an afternoon lunch or evening cocktail.
The resort is well located, under a mile from the Marino Las Baulas National Park. The hotel receives high marks from solo-travelers as well so if traveling alone, this might be the place for you!
Click to enlarge map - Map of the Area
Like many hotels in Tamarindo, you'll get an amazing Pacific Ocean view alongside convenient amenities such as an outdoor pool, gift shop, and internet café.
This beachfront hotel features rustic luxury style rooms with air conditioning and balconies and is a great choice for newlyweds or couples looking for a Costa Rican getaway.
This boutique hotel is an adults-only retreat complete with tropical gardens, ocean views and stylish high-end accommodations.
The hotel features an on-site poolside restaurant as well as a spa and wellness center
A Guide to the Tamarindo Beaches
The vast majority of people vacationing in Tamarindo are looking for a convenient way to access Costa Rica's beautiful beaches. These are in no short supply along the Pacific Coast, and each Northern Pacific Coast Costa Rica beach location has something unique to offer!
Playa Grande is located within the boundaries of the Marino Las Baulas National Park and borders Tamarindo to the north. It is a very beautiful and clean beach, in part because it is highly protected. It is open to the public, but only during the daytime, and it's important to be mindful of the leatherback turtles that frequent the beach.
Leatherback turtle mothers come to lay their eggs in the sands of Playa Grande, typically in the early fall. The eggs hatch in May, and the turtles make their way to the sea. Playa Grande is an ideal spot for animal enthusiasts who want to catch a glimpse of these reclusive creatures, but it might not be the best spot for anyone looking to play beach volleyball or take a midnight stroll on the beach.
Playa Grande also has its own surf spot known as La Casita. The waves tend to be consistent and easy enough for beginners, so surf camp lessons are often held here.
Surfing buffs should head south from Tamarindo to Playa Langosta, which has a great surf break off the mouth of an estuary river.
This is a surf spot best suited for people with lots of experience, as the waves tend to be smaller but faster with both right and left breaks. Watch out for coral and rocky ocean floors here as well, but if you can stay on your board, you're sure to enjoy the challenge.
Playa Langosta tends to be less crowded than some of the other Tamarindo beaches, though there is still plenty of space to sunbathe and soak up the relaxing atmosphere. It is walking distance from Tamarindo.
Playa Avellana is more laid-back than the tourism-focused city of Tamarindo, which makes it an amazing locale for a getaway. Let your hair down and breathe in the sea air as you sunbathe and enjoy a beautiful beach picnic. You can even take a horseback ride along the shore.
The waves at Playa Avellana are usually too strong for swimming, but they're perfect for some challenging surfing. There are multiple breaks, including the renowned El Estero de Avellanas, which is often regarded as one of the best surf breaks in all of Costa Rica!
Tamarindo Beach
You don't have to go far from your hotel to find an amazing beach when visiting Tamarindo!
Tamarindo Beach, also known as Playa Tamarindo, is very popular, and though it's not an especially large beach with very few spots for sunbathing, the waters here are calm and clear, which makes it an excellent spot for swimming.
Surfing is popular at Playa Tamarindo as well, with plenty of manageable waves for beginners. Snorkeling and people watching are other popular activities which are fun for adults and kids alike. It's also a wonderful place to snap a few pictures of the sunset.
Unlike many other beaches in Costa Rica, Playa Negra's waves tend to be fast and punishing. There are a few exceptions, so beginners might spot some waves to build their confidence, but they're usually only suitable for very experienced surfers. However, those who rise to the challenge can experience world-class surfing during high tide.
The waves here are right-hand hollow, barrel waves. It's not unusual to see a local pro surfer or two testing their skills here, so it's a great spot to watch others surf even if you don't go out into the water yourself. If you do try your hand at it, note that the pacific ocean in this area is shallow with a rocky bottom, so it's best to stick to high tide and be careful not to wipe out.
Make Your Trip Memorable With These Tips
Enjoy these tips and tricks for making your Tamarindo Costa Rica vacation the best it can be.
Tamarindo is Easily Accessible
Tamarindo has put a lot of work into making the area accessible to visitors with nicely paved-roads and bridges that cross rivers that other locations might not possess.
Flying to Tamarindo
You have a variety of options if you're looking to fly into Tamarindo. Many visitors fly into the Guanacaste Airport, which is only about an hour drive from Tamarindo, though some choose to land at San José International Airport instead, which is quite a bit further at just over a four hour drive. Alternatively, you can take a domestic flight to Tamarindo Airport, which is faster but a bit more expensive.
If you're landing at one of these airports, you may find it easier to take a bus or a taxi than to rent a car so you can enjoy the scenery during your trip. While some of Costa Rica's beautiful beaches can be difficult to access, Tamarindo has made its roads tourist-friendly! It is a smooth ride, with paved roads and a bridge that will take you right over a sprawling river.
Use a Map of the Area
If you're considering what nearby stops you'd like to add to your trip, be sure to refer to our map of the area.
Be Mindful of Wildlife
Costa Rica has many wildlife preserves and conservation efforts, and it's important to avoid disturbing wildlife during your trip. Watch out for endangered sea turtle eggs, and avoid feeding or getting too close to wild animals.
During Costa Rica's dry season, which spans December through May, Costa Rica tends to be very hot and dry. This is a very popular and wonderful time to visit Tamarindo and all of Costa Rica.
If you plan to visit during this time, make sure you always have water with you, and bring plenty of sunblock to avoid getting a sunburn.
Starting at $1,726 per person
12 Days / 11 Nights or 10 Days / 9 Nights
Go Visit Costa Rica
Travel Time From:
Travel Time To:
Alajuela, Alajuela
Distance: 161 miles / 257 km
Drive Time: 4 hr 18 min
Dominical, South Puntarenas
Jacó, North Puntarenas
See More Travel Times
Where to Stay in Tamarindo
Starting at $167 / night
Starting at $45 / night per person
Starting at $60 / night
Seis Playas Hotel
Tamarindo Dreams Hotel & Villas
Wyndham Tamarindo
Best Western Tamarindo Vista Villas
The Coast Beachfront Hotel
Vacation Rentals in Tamarindo
Rich Coast Travel
View Vacation Rental
Things to Do in Tamarindo
Guachipelin Adventure: Zipline, Horseback & River Tubing Combo
Starting at $101 / person
Coyote Sportfishing Tamarindo
Starting at $475 / Day