QUESTION:

ANSWER: PRESENTATION

INTRODUCTION- Presentation are typically demonstrations, introduction, lecture or speech

meant to inform, persuade , inspire ,motivate, build goodwill or present a new idea. The key
elements of a presentation consists of presenter, audience, message ,reaction and method to
deliver speech for organizational success in an effective manner. A presentation is a means of
communication that can be adapted to various speaking situations, such as talking to a group,
addressing a meeting or briefing a team. A presentation conveys information from a speaker to
an audience. Presentations are widely used in tertiary work settings such as accountants giving a
detailed report of a company’s financials or an entrepreneur pitching their venture idea of
investors. The term can also be used for a formal or ritualized introduction of a debutante. In an
organization presentations are used in various scenarios like talking to a group, addressing a
meeting, demonstrating or introducing a new product or briefing a team. It involves presenting a
particular subject or issue or new ideas to a group of people. Every presentation has three main
parts- introduction, body and conclusion. Basically an introduction should take around 10-15%
of your presentation time. While you should allocate 75% of your time towards your body and
the remaining 10% should be for the conclusion. However in business practice , presentation
usually means presenting your point of view on a subject orally, formally and with preparation.
A presentation may be to inform, argue out your case, persuade. The use of presentation aids
makes for a much more interesting talk and the creation of such aids can help develop student’s
confidence. Presentation skills help create innovative ideas when students come up with creative
and interesting slides to illustrate their talk. A presentation is a form of public speaking and
sometimes the two terms are interchanged. So a presentation can be defined as a formal
introduction or information about new, business products, ideas or practices.
CONCEPT- Presentations are hard enough without neglecting to work out beforehand and to
practice how your individual speakers will hang together as a cohesive unit. Your company
depends upon spoken communications to influence stakeholders. Pitches, presentations, client
updates and speaking at industry conferences are necessary components of any successful
enterprise, big or small. If you are like most organizations that probably means you did better
pay closer attention to your team presentation skills. For one thing- a cubic mentality with
employees too busy putting out fires to spend the time learning how to present together can result
in your team coming across as virtual strangers to each other. Here are some ways your
organization can speak with maximum impact and influence rather than giving the impression
that your outfit has not taken the time to think strategically.
* Pay Closet Attention To Your Purpose- Not all people perceive numbers and data in the same
way. A simple statistic can mean different ideas to different people. An effective purpose can
help your audience understand both the meaning and origin of the data to keep people engaged.
*Practice Your Presentation Over And Over Again- Your hiring decisions are based on talent
and the ability of an individual to fit into your organization. Think carefully think about how
your ‘cast’ with fit together in terms of styles, personalities and speaking abilities.
* Use Body Language And Nonverbal Communication- Now that your audience can understand
the words coming out of your mouth, we can think about how to deliver your idea. Its best to
practice explaining your ideas to friends from different backgrounds to get a feel of how
effective your presentation is to the public.
* Limit Your Presentation To One Core Idea- You have so much knowledge you want to share,
educate and persuade. You will be most effective by concentrating on just one core idea that
your audience can resonate with.
Here are some steps for giving effective online presentation-
* Write an organized speech centered around a core subject.
* Deliver their presentation in a natural, authentic way.
* Interact with audience members throughout their presentation.
* Memorize key talking points without the need for a line- by –line script.
* Prepare engaging visuals such as slides, videos and graphics.
*Connect with their audience through effective storytelling.
* When practicing your presentation , watch yourself in the mirror to observe your gestures and
other nonverbal cues. You could even record yourself and watch the footage afterward. During
your presentation, make an effort to look engaged in what you are saying.
* At the end of the presentation, ensure you deliver a clear, concise summary that highlights all
the key points and term the overall messages or final call-to –action.
CONCLISION- HOW SUCCESSFUL PRESENTATION HELPS ORGANIZATION?
Effective presentation skills reduce miscommunication. A well crafted presentation also
demonstrates professionalism and helps to reinforce an organization’s corporate image. They
build presentations into sales, training and internal communication programs using the power of
words and images to engage their audience and retain attention. It comes down to two things-
credibility and audience understanding. You want your speech to be organized because it will be
more enjoyable, easier to understand and add credibility to both you and speech itself.
Presentation skills training for employees can lead to better business practices and client success
by helping employees to communicate more fluently and dynamically. This can result in more
effective meetings, better leadership and even increased sales or business. Businesses and
professional firms use presentations to inform, educate , motivate and persuade internal and
external audiences.

QUESTION:

ANSWER: REFUSAL LETTER

INTRODUCTION- Refusal letters are letters from secondary market annuity buyers indicating
their in ability to purchase an annuity contract due to its restrictive provisions. These letters
confirm if an annuity is irrevocable, non- assignable or has cash value. In Medicaid planning ,
some state may require this additional documentation to demonstrate the viability of a Medicaid
complaint annuity. The refusal letter is an official document issued by an accredited certification
authority providing an expert explanation that the product is exempt from mandatory conformity
validation. The letter shall provide to references to regulatory documents that set forth that the
goods require no mandatory conformity validation. The letter has no expiry date until the
regulatory documents in relation to the product set forth in the letter are amended. Refusal letters
may also help in the case on an existing non-complaint annuity owned by your client. Many of
these annuity cannot be sold or altered but do not meet the typical Medicaid complaint annuity
requirements. In these cases, refusal letters can support your client’s case for undue hardship and
may help them gain eligibility for benefits. Refusal letter is a letter written to notify the reader
about the decision of the writer to decline an invitation, an offer, a claim , a request or any other
matter. Refusal letters means an official letter from a depository institution denying an eligible
business a loan based on standard commercial terms in the market for an equivalent borrower
and certifying that depository institution has denied such application for business reasons and not
at the request of the eligible business or any representative of a small business development fund.
A refusal letter may be required when dealing annuities and applying for Medicaid benefits. Our
office can obtain these letters on your client’s behalf. Verification of contact provisions,
assistance in the Medicaid process, eligibility for benefits.
CONCEPT- No matter what means of communication you pick, you should be firm and polite.
Use active language in your communication. Instead of saying ‘ The refund can’t be provided’,
go for ‘ I have carefully looked into your situations and ‘ we can’t issue a refund according to
our policy. Make sure to show your customer that you have really investigated the case. Inform
them why exactly you came up with this decision. It’s easier to accept the negative outcome
knows you have spent some time looking into their case. Saying no to customer is not a piece of
cake for sure. You can do that by phone, messenger or email- the choice is yours. There are some
point to decline a request politely:
*Start with a sincere apology - Pair up the empathy in your reply with a sincere apology. While
you might not have much of a reason to apologize to your customers, it is one of the best ways to
providing a great service and ensuring excellent customer experience.
* Listen to and understand the request- No matter how busy , you are , it’s crucial that you pay
attention to everything the buyer or customer has to ask for so that you fully understand their
questions and inquiries. If you directly reject an appeal pr plea without looking into their issues,
you are more likely to damage your customer relationship.
* Explain the rejection with clarity- However, regardless of how short your rejection reply might
be when you politely decline a request, you must be clear to avoid any chance of
misinterpretation. The best practice here would be to be transparent, briefly explain why you
have to decline the request and provide the necessary information .
* Be Empathetic towards the customer- When you politely decline customer requests, it is not
only about understanding the request itself. Try to maintain a professional approach when
dealing with consumers if you have to turn them down in any way. And do not forget to show
that you sincerely value their wishes and expectations of your company.
* Offer an alternative that works- If possible, offer one or two alternatives courses of action that
you can do for the customer. In most circumstances, you will suggest solutions like ‘ Thought we
do not support this payment method, we can keep your account active while you work with to fix
the issue’.
There are two ways to convey bad news: you can use the direct approach or you can use an
indirect approach. Determining which approach you use will depend on the corporate culture and
style guides of your organization and on the particular situation. If the bad news is minor or
expected or if you have a long-standing relationship with the receiver of the message and you
know that they prefer directness, then you can use the direct approach. In the direct approach,
you state the bad news right away and then you give an explanation and if possible offer an
alternatives. This approach is very clear and saves the reader time.
CONCLUSION- WHY IS REFUSAL LETTER IMPOTANT FOR BUSINESS?
No small business owner likes to have an unhappy customer but it is not always possible to
resolve problems in the customer’s favor. If a client requests a refund for money spent on your
product or service, you need to review all available information and determine whether the
circumstances warrant a refund. If you decide not to issue a refund , let the customer know
promptly by sending her a polite but firm refusal letter , concisely explaining your resaons for
declining the refund request.

QUESTION:

ANSWER:(a) RESUME

INTRODUCTION- Resume was first recorded in 1375- 1425. It comes from the Latin
resumere. The Latin word can be broken down into re-, a prefix meaning ‘ again’, back and
sumere which means to take. A resume is usually accompanied by a customized cover letter in
which the applicant expresses an interest in a specific job or company and draws attention to the
most relevant specifics on the resume.
CONCEPT- A resume is a formal-document that a job applicant creates to itemize their
qualifications for a position. There are three resume types that job seekers use today, each with
its own strengths and uses-
*Chronological Resume- The chronological format is the most common type of resume and is
considered the standard for most industries. This type of resume works well for job seekers with
a strong, solid work history. Employers like to see job titles, level of responsibility and dates of
your work history .It puts your most relevant work experience at the top, where it will be seen
first by recruiters and employers. To emphasize past career growth and development in the same
career.
*Functional resume- Focuses on skills and strengths important to employers, De- emphasize a
spotty work history. Functional resume are used most often by people who are changing careers
or who have gaps in their employment history. It is also useful for people who are new to the
workforce. Allows you to highlight specific strengths and transferable skills that might not be
obvious when outlines in purely chronological order. A functional resume might not include
one’s employment history at all or might have a concise list of work history at the bottom of the
resume.
*Combination resume- With this type of resume, you can highlight the skills you have that are
relevant to the job you are applying for, as well as provide your chronological work history. A
combination resume is a mix between a chronological resume and a functional resume. At the
top of the resume is a list of one’s chronological work history. Show how the skills you have
used in the past apply to the job you are seeking. Show off a strong employment record with
upward mobility.
CONCLUSION- WHAT IS THE MAIN PURPOSE OF RESUME?
A resume is to give your potential employer a feel for your past experience and skills. A
candidate that lacks experience should still have the necessary skills, showing a potential for
growth. Most employers look for a steady job history and positive pattern of progression that
means increased responsibility, promotions.

(b) SUBJECT: Job Application

Dear Sir,

With due respect and honour to state that I am highly interested to apply for this
vacancy. I am writing this email to apply for the position Financial Analyst of your company. I
saw the advertisement on 1 september 2022 in your company website and the job description
matches my qualification.
I have attached my resume. Which highlight my skills and qualification for this job. I am recent
post graduate from NMIMS University, Mumbai and I have an in depth knowledge on clear
communication skills. I am ready to learn new things as well as to accept criticism and improve
my skills. I am communicator, social and creative. Company work is related to my interests and
my experience of xyz company had further improved my skills. As an accounting post graduate ,
I have great knowledge regarding all aspects of general accounting and financial reporting. I
have good command of all the required software programs including word, excel and accounting
software.

I assure you that I will be a valuable asset to your prestige company. I would greatly appreciate
your acceptance of my candidature. Thank You in advance for reviewing my application. You
can reach me by phone or by email at any time.

Yours Sincerely,

Gauri.