Carnival and Royal Caribbean Cruises Essay Example | Topics and Well Written Essays - 250 words

Jubilee and Royal Caribbean Cruises - Essay Example With this, this article will investigate the vital situation of Carnival Corporation and Royal Carribean Crruieses inside the voyage business. Regal Carribean International is the favored voyage brand among big names as a result of its capacity to comprehend the requirements of their clients and intending to consummate their art. This voyage organization endeavors to pull in universal customers through bundles and choices that run from journey lengths, advancements of on-board eating and different exercises for the traveling visitors (Colon, 2008). Basically, this universal system applied by Royal Carribean necessitated that the voyage organization makes changes in accordance with a portion of their vessels in order to oblige the highlights that the organization looked to include as a method of pulling in and holding clients (United States Securities and Exchange Commission, 2012). Conversely, the Caribbean Cruises Ltd procedure of accomplishing vital position is that of looking for mergers and purchasing of their opponent organizations as a method of ordering the market more. As a recommendation, the Carnival ought to rece ive the vital position applied by Royal Carribean Internation that likewise incorporates the separation technique (Engle, 2011). The separation technique necessitates that an organization centers around item expansion, brand advancement, and wandering into numerous business sectors when contrasted with concentrating on mergers and acquisitions (Bhatia,

Michael Jordan and Kobe Bryant Essay Example for Free

Michael Jordan and Kobe Bryant Essay Michael Jordan and Kobe Bryant are two of the best b-ball players to ever live. The manner in which they play the game is remembering. These two competitors are exceptional, however just one can be known as the best ever. The discussion still and will consistently proceed on who is the best. On one hand, there is the 6 time NBA champion in Michael Jordan; in the other there is the phenom who scored eighty-one focuses in one game, Kobe Bryant. As I would like to think, Michael Jordan is and will consistently be the best b-ball player to ever play the game. At the point when I think about the word, legend, just one name rings a bell and that name is Michael Jordan. Indeed, even the leader of the United States thinks MJ is the better decision. Goodness, Michael, the long lasting b-ball fan told The Associated Press I mean Kobes tremendous. Dont misunderstand me, Obama said of the four-time NBA champion. In any case, I havent seen anyone coordinate with Jordan yet. Michael Jordan tops Kobe Bryant from multiple points of view, for example, offense, guard, and generally speaking vocation accomplishments. In today’s age of ball whizzes, there is one recognized player, Kobe Bryant that holds a reflection to another known genius, Michael Jordan in his capacity to play the game, unpleasantly and protectively; notwithstanding, they contrast in their general exhibitions. In spite of the fact that avid supporters endeavor to look at the two players, many will concur that Michael Jordan conveys the best hostile and protective numbers, while Kobe Bryant holds the title of the most youthful top pick to ever enter the National Basketball Association. Both Jordan and Bryant were offered tremendous underwriting bargains, with Kobe Bryant starting to lead the pack as one of the biggest worldwide brands, in ball history. The sport of ball is a compensating sport that permits its players to offer back to the network. There is no opposition, with regards to offering back to the network, as every player is similarly engaged with beneficent associations. In the expert b-ball world, avid supporters will concur that Michael Jordan is the better player, while different fans are faithful to Kobe Bryant. When taking a gander at hostile and protective numbers, objectivity and a hard glance at the realities leaves one decision in actuality, that Michael Jordan is probably the best player in NBA history. He is popular for blocked shots, bounce back, and scoring a normal of 30 focuses per game, during his profession (Squidoo, 2012). As a hostile player, Jordan has the bit of leeway. In his best season, his fans will rely on him to average 37 focuses per game contrasted with Kobe Bryant’s best period of 35 focuses per game. Michael Jordan, a genuine cooperative person, midpoints eight helps for each game in his best season, and a normal of five helps during his vocation. In contrast to Jordan, Kobe Bryant, as a hostile player midpoints six helps for each game during his best season, and he is near beating Jordan’s normal with four helps for every game.

How to Get the Best Out of Your Paper Writer Service

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SWOT Analysis - Case Study - Free Essay Example

Sample details Pages: 6 Words: 1716 Downloads: 8 Date added: 2017/06/26 Category Marketing Essay Type Analytical essay Did you like this example? Case study Summary of case The studied company was Company X that located in Latvia. It was a subsidiary company of Company P that conducted its business in 27 countries, hired 11, 800 people and supplied metal-based components, systems and integrated systems to the construction and engineering industries. Company X was a middle-size manufacturing and construction company which set up in 1995. It had about 110 employees and classified as top five construction firms in Latviaà ¢Ã¢â€š ¬Ã¢â€ž ¢s construction industry according to its operating income. It implicated in few types of projects lately, the projects were housing and hi-tech buildings, infrastructure and mass transmit projects both in Latvia and aboard. Company X attempted to enhance project progress tracking and resource management in multi-project environment. In the past, different business functions of Company X such as accounting, production, marketing and purchasing used different informatio n systems. The old system used by the company had it own ways to gather and kept information according to needs. Short of functional integration causes difficulties in transmission of message and collaboration between different business functions is problem of the old system. Prefabrication and construction processes were work processes of Company X. The two processes operate concurrently. If production factory did not supply building materials on schedule, company need to bear cost of delay at construction perspective. However, if the materials produce too early or when they not needed then company need to bare cost to store the excess materials such as warehousing. Operation of the materials of Company X became complicated and influenced progress of others projects in a multi-project environment since prefabrication process and construction processes must be complement to each other. Company X began a two months assessment and research to find out was there possibility to pr esent and apply an ERP system in year 2007. A project group was formed by the company in order to handle ERP implementationà ¢Ã¢â€š ¬Ã¢â€ž ¢s matters. Manager from IT department became project manager of the group. Besides, the group also involved three personnel from production, accounting and sales departments and one outsourcing vendor. When the system assessed by the company, employees kept received latest information about the system and they encouraged to give feedback on the new system. Eventually, the chosen system was iScala as other representatives at other countries use this system. A central ERP manufacturing group was established after Company X decide to use the system. The group consists of four department representatives from the company, three external IT consultants and two IT consultants from parent company. Individuals that elected for the group were people from specific department who were familiar and understand regarding ERP systems. Besides, they had atte nded and participated in professional activities with respect to such system. They also participated in the assessment discussion. (Tambovcevs, 2012) Strength Company X able to determine staffs who talent in Information Technology (IT) and who can easily adapt to new technology system of company. Staffs are most important and valuable assets (Duncan, 2013). Every company needs manpower to operate and conduct business process smoothly. Staffs are people who contribute and help company to achieve organizational objectives and gain profit. After staffs of Company X learn and adapt new system and technology it increases core competencies and distinctive competencies of company. Core competencies are competitive advantages for company which not easily imitate by competitors (Core Competencies Working Definition, 2010). Distinctive competencies are a companyà ¢Ã¢â€š ¬Ã¢â€ž ¢s special ability to create and send value to consumers which help to differentiate your company from comp etitors and ensure your success will be continuing in long-run (Distinctive Competence or Nothing, n.d.). Resource-Based View (RBV) is method to analyze and identify strategic advantages of a firm based on combination of assets, skills, capabilities and intangible assets such as brand name, reputation and technology knowledge. Each company hired staffs with different level of skills, capabilities, knowledge, behavior and attitudes so each company have different and special group of human resources, which will bring different level of achievement. (Pearce Robinson, 2013) As Company X let staffs go through training to learn the new system, it indirectly increase IT knowledge of them which will increase satisfaction of staffs because some staffs like to learn new things and gain new experiences. Besides, operation process that using new system will go smoothly as staffs always practice how to use the system. Weakness Implement new ERP system in Company X may cause conflict between ERP consultant and staffs of the company. The consultants think the system is a way to solve companyà ¢Ã¢â€š ¬Ã¢â€ž ¢s problem but staffs feel old system is very convenient for them because functions of the old system are what the company needed (Molla, Loukis, Licker, 2005). So, the staffs consider the new ERP system of Company X is more difficult to use so they unwilling to learn use the system. It increase implementation period of the system as well as increase cost of implementation of company. In addition, if the staffs still not willing to use new system, it will reduce sales, efficiency of companyà ¢Ã¢â€š ¬Ã¢â€ž ¢s work process and company performance. (Molla, Loukis, Licker, 2005) If a company wants to successfully implement ERP system, it needs to find out the main factor that causes the implementation to be fail. (Gattiker and Goodhue, 2005). According to Bobek and Sternad (2010), à ¢Ã¢â€š ¬Ã…“ERP trainingà ¢Ã¢â€š ¬Ã‚  affect acceptance of end user for ERP system. If staffs willing participate formal and informal training, they are more skilled to use ERP system (Bobek Sternad, 2010). Acceptance of end user for new ERP system is most important factor to determine whether the system is successfully implement in company. (Seymour, Makanya BerrangÃÆ' ©, 2007) Opportunity During a company implement a new ERP system, it will change job description and skills require by company. In addition, certain new position may generate whereas certain position will be remove by the company. (Danford, 2010) Company X can implement a talent management program when it implements ERP system. The talent management program assists company to guide staffs throughout the process of implement ERP system. It train and develop staffs to adjust and get ready themselves to new positions and roles after implementation of the new system. (Danford, 2010) By implement talent management program, Company X able to determine talented staffs, staf fs with unique skills and skills need for a new position. Apart from that, Company X can set up new compensation or reward plan for staffs that learn how to use the new system. Staffs always want their contribution will be rewarded by company. Reward is driving force for staffs to give their best contribution to company (4 Ways to Reward, n.d.). As staffs satisfy with company they would not leave and betray the company (Martins, n.d.). After Company X implements new ERP system, job requirement of company will change. The change is due to Company X want to hire right candidates for right position which enable Company X to save cost of hire wrong candidates. Threat Younger generation such as Generation Y (Gen Y) have high turnover rate which is 70 percent of Gen Yà ¢Ã¢â€š ¬Ã¢â€ž ¢s staffs quit their first job within two years of joining a company. (Expericnce.com) They decide to leave a company may not due to money but other reasons such as they feel employer do not trust them, they do not feel like a part of a group or team, they want immediate feedback from superior about their work, they like to use technology products and have flexible time to work. (Maffin, n.d.) After Company X let Gen Y staffs go through training, they know how the new system operate. Then, if they decide to leave Company X due to not satisfy with the company or have better promotion from competitors. It may cause a great loss to the company in terms of human resource and knowledge that they learn from Company X. Staffs who leave Company X and work for competitors may disclose what system use by Company X and how the system runs to competitors. Company X will not have competitive advantages to compete with competitors in market. So Company X need and try to satisfy the staffs especially Gen Yà ¢Ã¢â€š ¬Ã¢â€ž ¢s staffs in order to compete with competitors. (Dantes, Hasibuan, 2011) Recommendation Company X should capture opportunity, overcome threat and strengthen its we akness to have higher achievement. Company X needs to reduce conflict between ERP consultants and staffs by involve senior executives in process of implementation the new system. Trust is willingness of a person to take risk and do favor for another person or party (Mayer Davis, 1999). Trust of employees towards senior executives is a key element to decide success of failure of a company and welfare of employees (Shaw, 1997). According to many studies, employees trust senior executives in the company and willing to change their attitudes that desire by the executives (Albrecht, 2002). The executives are role model for employees (Improving Talent Management Outcomes, 2007). As senior executive of Company X also learn and use the new ERP system, the staffs will follow their actions because the staffs trust them and perceive they are right. Company X need to ensure it has good compensation plan for employees at different level in order to satisfy and motivate them to give best effo rts for company and to complete their works which will increase efficiencies and enhance performance of the company. Generation Y have been identified as to be highly educated and they willing to accept challenges. Company need to provide promised reward to them if they really achieve a target or goal. If they do not receive the rewards, they will felt not valued by organization and lowering trust between organization and employees (Fernandez, 2009) which may cause them to leave the company. Gen Y like non-cash rewards such as flexible work condition and flexible working time (Schawbel, 2011). They also hope company give holiday as reward after they complete their work successfully. (10 Excellent (non-monetary!) Incentives, 2013) Company X has to provide rewards that need and want by the staffs in order to increase their satisfaction towards company and organizational commitment. As staffs satisfy with Company X, they are more willing to contribute and work for the company. Th ey will give their unique opinion and best advice to increase companyà ¢Ã¢â€š ¬Ã¢â€ž ¢s performance and profit. In addition, staffs that have high level of organizational commitment also means they are more loyal to the company (Al-Aameri, 2000). Don’t waste time! Our writers will create an original "SWOT Analysis Case Study" essay for you Create order

Analysis Of James Baldwin s The Fire Next Time

The history of America was followed by awful times involving slavery, racial segregation and inequality of African Americans living in the United States. During this atrocious time period, many African Americans had hope in their lives of America being entitled as one united nation ignoring the color of skin. James Baldwin was one of many important figures during the Black Arts Movement (1960s -1970s). He wrote many influential essays and poems that impacted many people’s views on the history and hardships African Americans went through living in America. James Baldwin explains in his essay that black people in America have to accept the way of white people in their own views. Baldwin shows the reader what it is like to be a â€Å"negro† and what they have to go through everyday life in his essay. Through his own views he describes the negative history of blacks in a way of acceptance, hope and a vision for equality. Baldwin writes his first essay in the book â€Å"The fire Next Time† for his nephew on advice for the survival of living in the society they are in. The race relations during this time period was of police brutality, riots, violent and nonviolent protests. Baldwin describes race relations in America through the meaning of acceptance, he writes to his nephew about what he has to do in the society he lives in to cope with living as a black person in America. Baldwin’s influences through the church and through religious backgrounds attained him the ability to relate hisShow MoreRelatedAnalysis Of James Baldwin s The Fire Next Time 1919 Words   |  8 PagesThe Fire Next Time, James Baldwin’s (1963) two autobiographical essays, a compelling precursor to many of the components of the Civil Rights movement, with resounding motifs of power/politics, religion/morality, racial injustice, and freedom. 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Fundamentals Of Macroeconomics Paper On Macroeconomics

Fundamentals of Macroeconomics Paper Macroeconomics is a study in which reflects the economy as a whole and the levels of total output, which is also referred to as national income. National income measures the value of an output produced in an economy over a period of time. In this paper gross will attempt to describe the economics related word terms such as gross domestic product (GDP), real GDP, nominal GDP, unemployment rate, inflation rate and interest rate in laymen. Also will describe how purchasing of groceries, how massive layoffs, and decrease in taxes can affect the government households and business. Gross domestic product GDP is the total market value of products and services produced within the borders of given country†¦show more content†¦This are products that are produced in a given period of time by property or labor located in the United States of America. The Measurement is calculated as a gross domestic product in constant dollar. Nominal GDP is reported to the public without the inflation adjustment to make it appear than this original value. Nominal GDP can be higher or lower than conventional GDP Theory. Nominal GDP are not accountable towards inflation that can be misleading. Furthermore Nominal GDP may increase due to either increased output in an economy, or increased prices in the economy Employment is the overall total number of people with a job, which in includes the employees, businessmen, and self-e employed/ entrepreneurs. The total number of employed can change over time due to several factors. According to Wise geek (2015) â€Å"The relationship between Gross Domestic Product (GDP) and unemployment rates can be seen by the application of Okun’s Law† Additional, â€Å"According to the principle established by this law, there is a corresponding two percent increase, in employment for every established one percent increase in GDP† (Wisegeek, 2015) Unemployment rate is the number of people who are willing to work, able to work and those who are looking for work that are unable to find work. The unemployment rate is one of the most scrutinized and monitored statistics. This is a result that most economist believe that when this increases it is clear sign that the

Economic Reforms Of The Banking Sector In India free essay sample

Economic Reforms of the Banking Sector In India Indian banking sector has undergone major changes and reforms during economic reforms. Though it was a part of overall economic reforms, it has changed the very functioning of Indian banks. This reform have not only influenced the productivity and efficiency of many of the Indian Banks, but has left everlasting footprints on the working of the banking sector in India. Let us get acquainted with some of the important reforms in the banking sector in India. 1. Reduced CRR and SLR  : The Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR) are gradually reduced during the economic reforms period in India. By Law in India the CRR remains between 3-15% of the Net Demand and Time Liabilities. It is reduced from the earlier high level of 15% plus incremental CRR of 10% to current 4% level. Similarly, the SLR Is also reduced from early 38. 5% to current minimum of 25% level. We will write a custom essay sample on Economic Reforms Of The Banking Sector In India or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page This has left more loanable funds with commercial banks, solving the liquidity problem. 2. Deregulation of Interest Rate  : During the economics reforms period, interest rates of commercial banks were deregulated. Banks now enjoy freedom of fixing the lower and upper limit of interest on deposits. Interest rate slabs are reduced from Rs. 20 Lakhs to just Rs. 2 Lakhs. Interest rates on the bank loans above Rs. 2 lakhs are full decontrolled. These measures have resulted in more freedom to commercial banks in interest rate regime. 3. Fixing prudential Norms  : In order to induce professionalism in its operations, the RBI fixed prudential norms for commercial banks. It includes recognition of income sources. Classification of assets, provisions for bad debts, maintaining international standards in accounting practices, etc. It helped banks in reducing and restructuring Non-performing assets (NPAs). 4. Introduction of CRAR  : Capital to Risk Weighted Asset Ratio (CRAR) was introduced in 1992. It resulted in an improvement in the capital position of commercial banks, all most all the banks in India has reached the Capital Adequacy Ratio (CAR) above the statutory level of 9%. 5. Operational Autonomy  : During the reforms period commercial banks enjoyed the operational freedom. If a bank satisfies the CAR then it gets freedom in opening new branches, upgrading the extension counters, closing down existing branches and they get liberal ending norms. 6. Banking Diversification  : The Indian banking sector was well diversified, during the economic reforms period. Many of the banks have stared new services and new products. Some of them have established subsidiaries in merchant banking, mutual funds, insurance, venture capital, etc which has led to diversified sources of income of them. 7. New Generation Banks  : During the reforms period many new generation banks have successfully emerged on the financial horizon. Banks such as ICICI Bank, HDFC Bank, UTI Bank have given a big challenge to the public sector banks leading to a greater degree of competition. . Improved Profitability and Efficiency  : During the reform period, the productivity and efficiency of many commercial banks has improved. It has happened due to the reduced Non-performing loans, increased use of technology, more computerization and some other relevant measures adopted by the government. These are some of the import reforms regarding the banking sector in India. With these reforms, Indian banks especially the public sector banks have proved that they are no longer inefficient compared with their foreign counterparts as far as productivity is concerned.

Plato`S The Republic Essays - Socratic Dialogues, Dialogues Of Plato

Plato`S The Republic Socrates' ideal city is described through Plato in his work The Republic, some questions pondered through the text could be; How is this an ideal city formed, and is justice in the city relative to that of the human soul? I believe Socrates found the true meaning of justice in the larger atmosphere of the city and applied that concept to the human soul. Socrates describes his idea of an ideal city as one that has all the necessary parts to function and to show that justice is truly the harmony between the three stages of the city and soul in the human body. Plato introduces the idea of the happiness. Socrates says, in establishing our city, we arent aiming to make any one group outstanding happy but to make the whole city so, as far as possible (Plato 420b). I agree that in order to examine one thing that is difficult to comprehend, it is wise to look on a larger scale. In this case, Socrates had to examine the difference of a whole city and other concepts of cities in order to determine justice in the world and inner soul. In order to develop the perfect city Socrates had to develop the other ideas that contribute to the ideal city, the City of Need, and the City of Luxury in order to develop the Perfect City. I believe Socrates in-depth discovery process for the perfect city is a great philosophical look into the idea of justice. Socrates brought up a subject many men at that time would never have thought about and Plato believed that the idea of justice was worthy of writing a literary work to pass his philosophy on to future generations. Since the crucial elements of justice may be easier to observe on the larger scale like a city than on one individual. The focus for Socrates is a perfect city, because the city will represent human soul, Socrates says; we'll go on to consider it in the individuals, considering the likeness of the bigger in the idea of the littler?(Plato 369a). Plato's ideal city is really the search for the truth of justice, if Socrates were able to find the relationship between th e soul and city in his ideal city then he would have the true meaning of justice. We saw from the reading how he came about braking down the city's parts and also that of the soul in order to see the reaction between three different regions which Plato and Socrates describe in The Republic. According to Plato, Socrates broke down the perfect city into three parts; each part is tied to a specific virtue that he believes will help define justice. The three virtues are wisdom, courage, and moderation. Wisdom is the whole knowledge, which describes the rulers of the city. The rulers should be the ones who incorporate philosophy and ruling together to rule the city wisely. Courage describes the guardians, who's job was to defend the city from invasion and take new lands for the city. The third virtue of the ideal city was moderation which is the concept of self-control and knowing ones role, also the concept of one man, one job. The ideal city described in the work is ideal to me because it relates all essential parts to bring harmony among the different kind of people and the virtues that go hand in hand with to bring about justice. Therefore, the question arises, if I would want to live in the ideal city Plato has described in the work. My answer would be yes because it seems that everyone has a specific role to follow depending upon their abilities, both physically and mentally. When I look back to the early cities Plato discussed I agree with the city of need, but that is only part of the whole scheme of things. We need to add the luxurious things and leaders and the people to protect the city. No one of those first two cities could be great by its self, sure each one had their strong points but together they are harmonious to develop the perfect city. The perfect city needs both cities' traits, beginning

The Venetian Resort Hotel Casino

The Venetian Resort Hotel Casino The Venetian Resort Hotel Casino is located on the eastern side of Las Vegas. The hotel is one hundred and forty five meters tall with forty stories standing between The Palazzo and Harrah’s. The sumptuous hotel is the headquarters of the Las Vegas Sands company, which happens to own and manage the hotel.Advertising We will write a custom essay sample on The Venetian Resort Hotel Casino specifically for you for only $16.05 $11/page Learn More Most of the Venice city landmarks have been reconstructed on the outdoors of the hotel. They include a section of St. Mark’s Square, the Campanile, a section of the Doge’s Palace and a canal. To match with the buildings in the Venice city, the stones used in construction, have a weathered look. The guards of the hotel wear Venetian police force uniforms, while the statues in the resort are copies of the originals. Inside the resort, the Venice look continues, especially in the foyer and the entrance to the shops. The Venetian fine art is painted on the ceilings, and the lobby is decorated with plenty of marbles. The presence of high ceilings, archways and spectacular pillars has completed the Venice look. Navigating through the various sections of the resort is easy, since their entrances are located on the outside. On the thanksgiving of 1996, the Sands hotel was brought down to create space for the building of the Venetian resort. The construction of the hotel and casino was estimated to cost 1.5 billion dollars. The construction began in 1997 after the management had secured a financial package worth1 billion dollars. After one year of construction, the casino and the hotel were open to the public in the summer of 1998. Later that year, the Venetian announced the employment benefits package and a powerful group-booking to the Wall Street. In the month of May, the following year, the first phase of the Venetian hotel casino was open enabling it to offer a fully incorporated resort. Between 2001 and 2003 the Guggenheim Hermitage Museum, had an opening of four exhibitions. Each one of them had a different theme. The remarkable Venezia tower was officially open during the summer of 2003. The hotel has been rated 5 diamonds by AAA, this means it is among the best 5 diamond resorts on the planet. It has also achieved a number of diversity and community awards, making it a terrefic place to work. The resort offers an excellent benefit package to their employees, including an option of customized benefit plan to suit the employee’s needs. The hotel also has policies that offer equal opportunities in employment and frees employees from harassment and prejudice. Throughout the year, they offer awards appreciating outstanding employees and team work. The hotel is committed in offering the best service to both customers and employees.Advertising Looking for essay on business economics? Let's see if we can help you! Get your first paper with 15% OF F Learn More Employees are given a superb benefit package which consists of medical treatment, free meals while on duty, public and personal holiday leave. The medical coverage package extends to laboratory tests and surgical fee. Included in the benefit package is the provident fund which is a sum of offerings made by the company and the employee. As an employee of the Venetian hotel, one is permitted to have free meals at any time, as long as the employee is on duty. These meals are taken in a special dining area designated for employees only. An employee, who has been working for over one year, will have automatically qualified for partial sponsorship in education. The working program of the staff is not stiff, making it easy for them to solve their personal problems. The staff members have a lounge where they can rest by browsing the Internet or reading journals. The fun amenities available for the workers include a swimming pool, fully equipped physical educatio n building and a chess board. Currently various job opportunities ranging from marketing, engineering and law are available.

Information Technology Management Course Essay Example | Topics and Well Written Essays - 500 words

Information Technology Management Course - Essay Example P.D.As were in practice since 1995 in order to overcome the need of faxing and paper work, however with time those P.D.As have been replaced by other advanced digital devices such as P.O.S. Yet the short coming comes to forth in the form that these digital devices were not synchronous with the head office. The company lacks in the information technology front since it does not have a dedicated information office wing, or specialized I.T resources allocation. The company lacks properly investigated and worked out policy to determine the feasibility of I.T and I.S infrastructure at the same time little thought is being given to it. The decision of upgrade is a risky one, yet an unavoidable one, what can be best done is to introduce the change and advancements in the Information technology domain in an incremental way without altering the major elements fortnight. The change would invoke change in other domains as well, but the timing is ripe and they should make a move before their stakeholders embrace any technology which is not in function in the home (Mcafee et.al). Identify and briefly explain the most important organization and culture related challenges facing Harley’s senior management in the deployment and utilization of Information Technology (IT) in support of business strategies. Harley Davidson has an integrated I.T enabled system. The decision making and policy making power is vested in the C.I.O. Over period of time, need has been felt to expand the realm of power and authority amongst number of members so as to make the process more transparent, vibrant and effective in terms of I.T system sharing and support. With ever expanding customers’ bench and rapid technological advances, it is required to stay a breast with the Information system standards implementation within the organization. Need is being stressed for revitalizing the domain of Information Technology

Wheeler Howard Act. Voices of Freedom by Eric Foner Term Paper

Wheeler Howard Act. Voices of Freedom by Eric Foner - Term Paper Example Making 0.9% of the US population the Indian Americans live in different parts of the country and are estimated to be as many as 2.9Million (as per the census of 2010). Since, the number is not ordinary and the group is a major one therefore the members required a proper set of rules and standards, which had allowed them to live freely and as per their will just like any other American citizen. In this regard, different laws have been passed in the American legislation so far. This paper aims to study the Wheeler Howard Act in reference to four of the primary sources / documents presented in Voices of Freedom by Eric Foner in detail. Background: A law is needed when anything goes wrong or is against any other law or right of any individual, estate, or any other thing. The Wheeler Howard Act generally known as the Indian Reorganization Act of 1938 was a replacement of the old Dawes Act also known as the Indian General Allotment Act of 1887. The Dawes Act worked properly initially howev er later it turned out to be destructive. As a consequence of Dawes Act, the Native Americans land which once calculated in 1887 was totaling to a sum of 138 million acres while by 1934 it reduced enormously to 48 million acres. The consequences were so immense and worst that poverty and major loss of tribal lands of the Native Americans was increasing day by day as the land was being sold to the white people. Two different surveys were conducted in order to know the exact reason for this. One was the Meriam report, while the other one was the Senate systematic investigation both concluded the same results that the previous law was destructing the tribal lands1. The Wheeler Howard Act: The Wheeler Howard Act or the Indian Reorganization Act of 1934 terminated and replaced the Dawes Act. The law also imposed limits and restrictions on the sale of the Indian American land. The Secretary of states was also approached and was asked to purchase and reserve more lands for the Native India n Americans. However, many of the Americans have a different perspective regarding the freedom and the allowance of migration of the Non Americans to America to seek freedom2. In the book Voices of Freedom, Eric Foner has highlighted different eras, issues, and revolutions of the American history, freedom and liberation. However, as a part of American freedom he has also talked about the Wheeler Howard Act and demand and ongoing issues of the Americans / Native Americans at that very moment. Since, Foner is one of the finest historian of the political and social history and a specialist on the American Reconstruction period his documents are highly credible and appreciated3. The book is a series of different documents, all representing the American history and freedom. In one of the documents, Foner discussed regarding the history of Native Americans, the issues surrounding them; immigration and the different controversies. Obviously, Foner is very well aware of the Wheeler Howard A ct. He tried to cover the topic in a way that it showed every aspect of the America, its freedom, reconstruction and the major conflicts of Americans. In one letter presented in the book by Foner, a Native American / Indian American writes to his family for how happy he is as he has been provided with land and he can settle anywhere after the Wheeler Howard Act. He was happy that he made the decision of coming to America. He thought of it as freedom and considered America as a free country. He got what he was promised for4. According to a perception it is believed that Foner was not happy with the Wheeler Howard Act as in another article presented in the

Patriotism Essay Example for Free

Patriotism Essay Bader main thesis is that patriotism is neither good nor evil, depending on how its ‘name’ is called upon. Bader asserts that patriotism has numerous forms, and yet the author expresses that all these forms share common psychological underpinnings – that of meeting the needs of safety and connectedness. The author begins by saying that he metaphors of patriotism have been likened to family, that accords individuals with security and attachment. He further expounds on the idea of patriotism is a psychological means to address connectedness and safety needs. On one end, patriotism provides protection and strength which are virtues associated with paternity; on the other, patriotism is also symbolic of caring which are traits linked with motherhood. A second idea would be acknowledging that while patriotism is influenced by a host of factors apart from the unconscious, its potency stems from its being psychological – embedded in the recesses of our unconscious. In this sense, it is a way of addressing the psychological needs of attachment and recognition, and the failure to sufficiently meet such needs lead to psychosis or mental dysfunction. In discussing these psychological needs, he has used the example of an infant who has virtually full dependence on its caregivers – the latter being the embodiment of power and authority. The manner of protection received by children determines their sense of insecurity and developing trust in others. The quest for security is also constant, even as we feel a perennial lack of safety and protection. In his third idea, he says that given these metaphors of family, it is now easier to comprehend the psychological dynamics behind patriotism. One’s affiliation with the United States brings a strong sense of safety and connectedness to its citizens. It is also able to â€Å"bind† and bring together people who share the same sense of safety and connectedness because of a common affiliation of citizenship. A fourth point is that the manner in which patriotism satisfies these psychological needs take on more potency since these are very difficult to find in our daily social lives. Society is depicted as highly individualistic. This social experience further reinforce the insecurity and lack of safety that parents have developed in people as children. These pent up thoughts and feelings are then stored in the unconscious as frustrations. A fifth point of the author is that patriotism seems to address these unconscious frustrations in being an ideal representation of national pride, historical purpose, and collectivism – which are all constructs related to safety and connectedness. Political parties leverage on these frustrations, trying their best to project the image of protector in appealing to people. They take advantage of the ‘parent’ paradigm, presenting themselves as caring, nurturing, and protective. This exploitation of psychic needs are used to advocate both liberal and conservative ends. In his sixth point, he proposes that the Left seem to be more effective at furthering its agenda. A perfect example would be the way in which police and surveillance powers were justified in the name of protecting the nation. Moreover, the author expresses tht conservatives have been more skilled at using prejudice and the concept of an ‘enemy’ in furthering its ends. Educational institutions’ influence may exert impact in addressing these psychological needs, teaching empathy, recognition, and other values that may intend to gratify these needs. Finally, he says that the psychological dynamics that underlie patriotism are global in nature, driven by the needs of safety and connectedness. These needs may be addressed in both healthy and unhealthy means and may be done so towards immoral ends. In itself, it is neither good nor evil, and these value judgments are made depending on the use or purpose for which the name of patriotism is used. Bader’s main strength in this article is the fact that he gave the much needed logic and connection to the ideas he presented – man’s needs, the collective feeling of people, and the rationale behind the use of patriotism as a tool for political motivation. He has also found basis for the conclusion that patriotism is neither good or bad. This moral judgment on the goodness or evilness of patriotism lies in the purpose for which it is used; for example, political parties use them to take control of people’s political choice. However, a weakness that can be seen is that the author also stressed to many points against conservatives. He may be pointing out his opinions but have put the conservatives into a bad light. In trying to be more objective in his assessment of the issue, he may have looked into the liberal side as well, presenting cases similar to what he did for conservatives. This way, he will not be perceived as biased. Another weakness that may be seen is that the resolution just took on a very short note. It just went on a short notice that it hardly qualified as a resolution. Although the author has a point on the matter, he failed to expound on it and define the steps to be taken, why they should be taken and to whom should the action be devoted to. There was also very little pragmatic value based from the recommendations of the author. The only direct action step he has proposed is for schools to leverage on their influence the satisfaction of these psychological needs. The article is very detailed that it is hard at first not to agree with the writer. I agreed with the point that man indeed has the necessity of wanting to feel secured and safe at all times, even wanting to find their necessities amidst the insecurities that they have experienced. I also do agree that the value of patriotism is used in politically motivated ways to achieve the means needed by the parties to gain trust among the people and be recognized as a truth bearing entity. I also agree that although patriotism should be upheld during the times of the 9/11 and the Hurricane Katrina, it should not be a venue for people moving with political agendas and using the â€Å"sacred† value as a means of it. And lastly, I do believe that the educational institutions should have a hand in directing the people, especially the youth towards the ways of non-discriminating, unbiased people. They should also teach people about how they would filter information being fed to them on the grounds of racism, bias and discrimination. The educational system is one of the institutions that a person attends to. It is hard to imagine that one would try to go to school and learn, only to come out and be tainted and blinded by other people’s political agendas – when in fact, they should be helping us in the assimilation stage of our studies, not changing what we learned to what political people would want us to think. That would be driving us away from what patriotism is really about. The kind of patriotism that each citizen has practiced and witnessed during in times of grief and misery, like the times of 9/11 and Hurricane Katrina. Patriotism, at its very core, is about satisfying the psychological needs of people. It becomes a very strong and influential factor specially since its roots are deeply embedded in our psyche – our collective psyche at that. However, care must be taken about how the concept may be taken advantaged of by those who have personal agendas – such as politicians – for meeting their own selfish ends. This prudence and tact may be influenced strongly by schools. They can concretely draft activities that are meant to develop a strong sense of safety and connectedness. In sufficiently addressing these psychological needs, the probability of being exploited – through an appeal to emotion and psyche – is effectively reduced. People can be more critical and discriminating about what to believe. They then do not fall victim into these opportunistic ways of evoking patriotism’s name.

Rock Music :: essays research papers

Rock is a popular form of music that has evolved over the past couple of decades starting in the 1950s until present day. Rock music has been know to be used as a form of expression over the years. Despite its sometimes negative and defiant lyrics, rock is a form of art that allows one to release his/her feelings through singing in an expressive tone. I personally don’t see problem with people expressing their emotions and that is in part why I dont’t agree with Richard Brookhiser in stating that,‘‘Rock is a popular culture that aims downward in terms of class and age instead of aiming up. Rather than aspiring, it desire.†   Ã‚  Ã‚  Ã‚  Ã‚  I feel that everyone should have a way of expressing themselves in any way or art form that they feel is necessary. Rock music is just a form of letting people let out their anger and agression and not hold it inside. I’d rather see our society release our troubles in a musical form rather than in a violent one. There are much more things to worry about than to stress over rock music bringing culture down.   Ã‚  Ã‚  Ã‚  Ã‚  In this day and age I strongly believe that Rock music helps more than it harms those who listen to it. Unlike Mr. Brookhiser’s views I see rock as being an outlet rather than a downfall. Rock music should be taken for nothing more than just a form of music. Whether its R&B, rap, jazz or rock music is just music and it shouldn’t be held accountable for peoples wrong doings. Rock, just like other types of music should be given the same freedoms and rights to be played and heard by those who want to listen.   Ã‚  Ã‚  Ã‚  Ã‚  People who have the same views as Mr. Brookhiser would be best to just not listen to Rock music at all and not comment on it. To say rock is responsible for aiming downward in class and age is putting too much responsibility on music rather than the people. We all have brains and the ability to distinguish from right and wrong. I understand that some of the lyrics that are said in rock music may be offensive but that should not make it be blamed for bringing down the society.   Ã‚  Ã‚  Ã‚  Ã‚  If you want to sit down and discuss whats bringing down the society, issues such as drugs and single parent families would be more relavent.

Rubik’s Cube Instructional Speech

In 1974, a twenty-nine year old Hungarian named Erno Rubik was trying to solve a structural design problem. He was working on a model that would help him explain a three-dimensional geometric when he finally ended up creating the famous, colorful cubical form we know as a Rubik’s cube!However, Rubik did not give the cube his name—he called it the â€Å"Magic Cube.† It was renamed the Rubik's Cube by the Ideal Toy Corporation in 1980. Little did Rubik know that his cube would become a sensation around the world with the first world championship held in his native, Budapest, in 1982, with a sixteen year old Vietnamese girl winning the competition, unscrambling the Cube in 22.95 seconds. Solving a Rubik’s Cube requires some study and decision-making.There are a variety of methods used to solve a Rubik’s Cube, but the most popular and the most effective is called the Fridrich method. In the next few minutes, I would like to share with you how to solve t he Rubik’s Cube. As I said before, there are many different algorithms and ways to solve a Rubik’s cube. But the one that I have found to be easiest to understand was the Fridrich Method. Now today, I’m only going to explain how to solve one face of the cube due to the limited amount of time. Start with solving the cross. I like to start with the color white, so I will describe the steps according to starting with the white cross.Each side of the cube has a different color center. The center color determines the color of the side. I chose to start with the white center piece on the bottom and the opposite side yellow piece on the top, simply because that’s the way I learned.1.Look around the cube for white edge pieces, not corner pieces but pieces that outline the cross shape. Move the pieces to the top of the cube around the yellow piece.†¢ Each white piece of the cross will have a color adjacent to it.2.You want to match up the, say white blue piec e to the blue center piece and the white red piece to the red center piece and so on.3.Then you want to make sure the white piece is matched up with the bottom white center piece and flip the from face 180 degrees clockwise.†¢ Do so for every color until you get the all-white cross.4. Now each white piece should still be matched to the same color center piece.5.Next you will solve the corners.†¢The next 2 steps are the hardest to follow but I will try my best to explain clearly.6.Look around the cube for white corner pieces. If you have a white corner piece on the top you have to memorize a move. Up clockwise, to 180 degrees, then right goes right back down. This move can be used on any side.7.Now look at the other color that is adjacent to the white on its side, not top. Match the adjacent color diagonally to its same color by moving only the top layer. Then do the following move: move the right side clockwise, top clockwise, right counter clockwise.8.Do the same steps wi th the other white pieces. It could take a few tries to get it right but keep repeating it until you get it.Now you should have the bottom of the cube solid white and the bottom layer of each side filled with one color.If you’ve ever tried to solve the Rubik’s cube and given up, I encourage you to try it again now using the Fridrich method I began to explain. For further instructions you can visit http://www.wikihow.com/Solve-a-Rubik's-Cube-(Easy-Move-Notation). But first let me warn you; as â€Å"Cubing† infects people of all ages around the globe, there has actually been a name given for those that are obsessed with a Rubik Cube. They are called â€Å"Cubaholics†. Many of real Cubaholics are said to suffer from ‘Rubik's wrist' and ‘Cubist's thumb'! Beware!

Analysis Of Treton Communication, Inc. - 1247 Words

Abstract The main objective of this paper is to analyze Treton Communication, Inc. regarding possible employee discrimination. The objective will be examined by explaining what is legally required in order for religious discrimination to exist, is Treton Communication, Inc. guilty of religious discrimination, and what is legally required for racial harassment to exist. In order to gain a deeper understanding the actions of the Human Resources (HR) director will be evaluated in response to a possible discrimination complaint. In conclusion, this paper will outline the important aspects of employee discrimination, religious discrimination, racial harassment, and the proper way to report as well as rectify discrimination complaints within the†¦show more content†¦In an effort to prevent such intolerable acts Title VII of the Civil Rights Act of 1964 was created. Title VII makes it illegal for an employer to discriminate against individuals because of their religion in hiring, firing, an d other terms and conditions of employment, such as promotions, raises, and other job opportunities (Reference). Title VII federal law requires covers all employees from being discriminated against regarding religious preference. In addition to the intolerable acts within Title VII which classify religious discrimination. Title VII also disallows religious harassment of any employees, such as offensive remarks about a person s religious beliefs or practices (Reference). Religious harassment is illegal, improper, and when it is so frequent or severe in nature that it creates a hostile or offensive work environment resulting in an adverse employment further action must be taken. The Equal Employment Opportunity Commission (EEOC) is a government agency in which adverse action go to ensure all forms of discrimination are being investigated per the current policies and procedures within the agency. Upon closure of an internal investigation the EEOC office will provide the HR department a copy of the results as well as the necessary actions to take regarding religious discrimination. Is Treton

human trafficking Essay - 778 Words

human trafficking issues: the article starts out with a clear emphasis on the cooperation between the different segments of society; cooperation between the state, civil society , and religious groups and institutions on the issues of human trafficking and prostitution, stating how they are immoral, illegal, unethical and how they should be considered as a taboo by societies in Europe, especially Cyprus since the exploitation of women has been rapidly increasing recently. Where all the 800bars and 70 cabarets take advantage of uneducated, poor, unlucky and socially corrupted women at the cost of reasons such as profit and pleasure, which may seem as lame reasons when compared to the life and future of a young woman. The article also†¦show more content†¦Another solution was the campaigning proposal, where protectors of human rights helped increase public awareness of exactly what is going on and to what extent women are exploited. the article was completely pro the abolishment of trafficking and pros titution practices and there were no arguments or debates in defense of the practices taking place in society. There are a number of measures that should be undertaken by society for the improvement of the existing situation before it gets any worse, making it harder to fix later on, which would lead to a degraded corrupted society in the possible near future. as the article mentioned, churches should be a big part in the process of helping the exploited woman with the trauma their jobs brought to them. Also, the public should be made clearly aware of the situation, and all the details included in the issue of prostitution and how traffickers force it upon their employees. Also, more patrollers should be made available to try and control the situation by arresting traffickers, which may also scare off other traffickers involved in similar situations. These among many other solutions deal with the short term perspective of these issues, but more extreme issues should be taken into deep consideration for the general prevalence of such isuues to be significantly reduced in the Cypriot society. But these major global problems are unfixable due to the mereShow MoreRelatedThe Trafficking Of Human Trafficking1061 Words   |  5 Pagesare approximately twenty to thirty million slaves in the world today. Unfortunately due to trafficking being a fast growing crime it is very difficult to identify and locate these organizations and victims. Although there are many groups created to support victims, not enough awareness is being made and not enough action is being applied to stop human trafficking. Sex trafficking is a form of human trafficking that has been a worldwide issue since ancient times, but regularly forgotten, due to it beingRead MoreThe Trafficking Of Human Trafficking886 Words   |  4 Pages(Attention catcher)What if somebody came into your life and guaranteed a better lifestyle, but instead you were enslaved into human trafficking? Human trafficking is when a person is abducted from their current situation and mostly likely used for sex slavery. Furthermore, did you know human trafficking increased over the years? (Listener relevance) Although you may not be as aware in your comfortable surroundings, you should always be aware of suspicious vehicles and people. Even though we enjoyRead MoreThe Trafficking Of Human Trafficking930 Words   |  4 Pagesman. Regardless of the reasons, there are nearly 30 million victims of human trafficking globally. There are more slaves now than ever before. Trafficking of persons is not a subject that should be ignored or tak en lightly. 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Every year, thousands of adults and childre n, especially girls, are forced into the endless trafficking ring. â€Å"The International Labour Organization estimates that there are 20.9 million victims of human trafficking globally† (â€Å"The Facts†). The human trafficking industry is a worldwide network that is worth an estimatedRead MoreThe Trafficking Of Human Trafficking Essay1752 Words   |  8 PagesIn this essay, the history of human trafficking will be examined, followed by who is affected by trafficking. Next the scope and types of exploitation will be discussed. Human trafficking is an issue that affects countries all over the world. Governments have made an effort to curb trafficking, however these efforts have been very narrowly focused. American ignorance has led to poor handling of the issues by policy makers. Finally the essay will discuss a proposed solution and set some goals forRead MoreHuman Trafficking1355 Words   |  6 PagesRigdon November 16, 2014 Human Trafficking and its Dire Effects. Human Trafficking in the United States is something not a lot of people discuss. Most think it is only something that happens in third world countries, but in fact could be happening in their hometown. According to Protocol to Prevent, Subdue and Punish Trafficking in Persons, human trafficking in the modern world entails transfer of persons by use of applied force. Other methods used to enforce the trafficking include use of deceptionRead MoreHuman Trafficking And Human Sex Trafficking1850 Words   |  8 Pagesof human sex trafficking come to one s mind. The United States of America is not immune to this type of horrific behavior. America is the land of the free and yet something as awful as human sex trafficking occurs in our very own backyard each and everyday. According to the Department of Homeland Security the definition of human trafficking is â€Å"modern day slavery that involves the use of force, fraud, or coercion to obtain some type of labor or commercial sex act† (â€Å"What Is Human Trafficking?†)Read MoreSex Trafficking And Human Trafficking Essay1243 Words   |  5 Pages Human trafficking brings in billions of dollars into the U.S and all around the world. â€Å"The prime motive for such outrageous abuse is simple: money. In this $12 billion global business just one woman trafficked into the industrialized world can net her captors an average $67,000 a year† (Baird 2007). The laws around human trafficking are not strict and vary depending on what country it is happening in. Human trafficking is not something that is strictly foreign, it

The Montessori Theory Of Education - 1674 Words

The Montessori approach to education takes its name from Dr. Maria Montessori, an Italian physician and educator. The first Montessori school was s established January 6.1907 in the Casa dej Bambin in Rome. Dr. Maria Montessori did her study with young child, and gradually in countries such as Spain and India. Dr. Maria, basic principle behind the Montessori methods is that Children teach themselves she came to this conclusion after observing children from a variety of different of setting and utilizing her background in psychology and medicine. Through this interaction and experience, the children s developed an extraordinary high level of intellectual and social ability at young ages. She constructed to organize and leaning to the†¦show more content†¦There were several separated areas in the classroom. There was a section for every subject to learn. All the children had personal space to be free or if they liked they could pick a partner to do group works. For children wh o enjoyed reading and English they were a location for them to work on that topic. In the English and reading is the language area where children where the children learn how to read, in this part of the room there is a book self’s, where they learn beginning sounds, They also have a animals for each a letter within the Alpha the letters hand on, there are no ABC chart hanging on the wall. Geographic had placed in the room with space where they were flashcard, globes, flags that they could hold for example a flashcard would say â€Å"The truck is a support for the halyard at the top of the flagpole â€Å".And that was involving the earth and landmarks. The sciences area there were plants, eggs, visual drawings of animals folders with part of all animals that were labeled part of trees that are labeled, and leaves that were labeled. Practical life throughout using the visually things to touch table’s plates, and thing those everyday things we learn every day. They are things such as beading, pouring, sorting, and motor skills. In the math Area, there was stick that does into going a box that allowed for the children self-correctional themselves as well as self-assessment. If the child did not get it correct, there was only the amount to allow themShow MoreRelatedMaria Montessori : Education Of Children And Developed A Clear Concept Of A Planned Environment1489 Words   |  6 Pagesâ€Æ' While Maria Montessori expressed multiple convincing theories regarding the education of children that included ideas such as sensitive periods, the role of independence and a planned environment in the classroom, some theories contradicted each other and in practice. She compiled her beliefs into a Montessori Method that described how to teach young children in a way that fulfilled their full potential. McClure’s magazine recognized Montessori as a â€Å"wonder worker in education† (Tozier, 1911)Read MoreLearning Is Viewed As One Of The Most Important Interactive Activities1643 Words   |  7 Pages Learning Theory Paper Kimberlyn Boddie EDUC 2130: Teaching Learning Professor: George Darden November 1, 2015 Learning is viewed as one of the most important interactive activities in which children engage. Although most learning occurs outside of the school setting, it is the heart of the educational process. Psychologists and philosophers searched to understand the true nature of learning, why and how learning occurs at different stages in life and how it can haveRead MoreMontessori : History And Developmental Theory1043 Words   |  5 PagesRunning head: Maria Montessori Maria Montessori - History and Developmental Theory Kelsie Nesbitt Georgian College Abstract This paper will explore Maria Montessori and her theories on early childhood education. Using information that I find online and through the Introduction to ECE textbook, I will create an organized research report describing how and why Maria Montessori has had such a huge impact on early childhood education today. After furthering my knowledge with research on MariaRead MoreMaria Montessori Education Essay1052 Words   |  5 PagesMaria Montessori was born on August 31,1870†¯in†¯Chiaravalle, Marche, Italy to a financial manager father and an educated mother who highly valued education. Due to this, Montessori was a properly educated woman with a talent and passion for†¯higher education†¯which was extremely unusual for an Italian woman during her time. In†¯the†¯19th†¯century there was much controversy on whether children belonged in the work field or in the classroom. Based on their families†¯social class†¯a child would either go workRead MoreMontessori vs. Piaget Essay1477 Words   |  6 PagesMaria Montessori’s Theory Vs. Jean Piaget’s Theory Maria Montessori and Jean Piaget are two educational philosophers whose theories are still being used and influence today’s educational system. Their theories and methods were revolutionary for their times, but they came to be greatly respected. Both of these theorist developed their own stages of child development and were able to base education on these stages. Although in many ways Piaget and Montessori were very similarRead MoreMontessori : Born On August 31, 31 Years Old At The Age Of 61374 Words   |  6 PagesMontessori was born on August 31, 1870 in Italy. Her father, Alessandro Montessori, 33 years old at the time, was an official of the Ministry of Finance working in the local state-run tobacco factory. Her mother, Renilde Stoppani, 25 years old, was well educated for the times and was the great-niece of Italian geologist and paleontologist Antonio Stoppani. While she did not have any particular mentor, she was very close to her mother who readily encouraged her. She also had a loving relationshipRead MoreHow John Locke Inspired Maria Montessori1459 Words   |  6 Pagesmother was a simple tanners daughter. Both his parents were Puritans and as such, Locke was raised that way. His early life was spent at home in the country, where he was taught by his father; this explains why he favored the tutorial form of education. Early Adulthood In 1647, John Locke enrolled in Westminster School in London where he earned the distinct honor of being named a â€Å"Kings Scholar†, a privilege that went to only select number of boys and paved the way for Locke to attendRead MoreThe Education System And The Learning Process1608 Words   |  7 PagesMaria Montessori was a fundamental character in the education system and the learning process. Her revolutionary philosophy on learning and how it should be introduced works so well that it is still being used over a hundred years after she invented it in 1907. She was born in 1870 and went to an all boys technical school to be an engineer. After that, Maria tried for the University of Rome to become a medical professional but was rejected. She later became a teacher, physician and innovator whoRead MoreJean Piaget And Marie Montessori1124 Words   |  5 Pagesand Marie Montessori. In addition to a biography it compares and contrast the two educators. One was more focused on t he development of children, while the other specialized in the way children learn. They both were crucial components in the development of how teachers and professors educate their students regardless of their age. There are many people that have made a great impact on education throughout history. Two of the more prominent educators are Jean Piaget and Marie Montessori. Both PiagetRead MoreDevelopmental Theorist: Dr. Maria Telca Montessori849 Words   |  3 PagesDr. Maria Telca Montessori was the founder of the Montessori method of education. Maria, an Italian physician and educator, was born in Ancona, Italy on August 31, 1870 and died May 6, 1952. She was born to Alessandro and Renilde Montessori. Marie’s father was a soldier when he was young, and her mother was well educated. As a child Maria was seen to be self confident, positive, and extremely keen in change and helping people. Maria would knit things for the poor, and she enjoyed taking her neighbor

I have absorbed and utilized m... free essay sample

I have absorbed and utilized more information in my first semester of college than any other period in my entire life. Tackling classwork, applying for internships, learning the ropes of a new institution; the thrill that taking on so many fresh challenges gives me is unmatched by anything else I have ever experienced. The will to not just pass my courses, but also thoroughly succeed in them has allowed me to recognize my true potential as a student- something that was never apparent to me until after my senior year of high school. Taking Calculus III was a task beyond my comprehension just over a year ago, let alone passing with an A. I may have only one semester out of the way with several more ahead of me, but now I realize that Im capable of achieving most anything I set my mind to.Many students have a desire to transfer to a particular school because they are attracted to its prestige, rigor, and the programs it offers. We will write a custom essay sample on I have absorbed and utilized m or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page For me, the University of Michigan is no exception, possessing a top-tier Mechanical Engineering program that is unrivaled compared to my current school, Oakland University. My reasons for transferring arent only academic though; I consider them to be significantly deeper. I understand why the pride that comes from sporting maize and blue extends far beyond the classroom and athletic fields. There is a particular honor behind being a Michigan Wolverine, a duty to achieve and excel as a human being and to exert a deep passion for pursuing ones own interests. This is part of what makes Ann Arbor and U-M so special, because the goals of the students and the University coexist in harmony.I confidently exercise this same mentality, with a desire to shine academically and never shy away from becoming involved in ECs that interest me. I want to stand out as a mechanical engineer, and I am counting on my push for excellence to make that happen. Michigan is all about excellence, and it is becoming increasingly obvious to me that Oakland is not. While a great school, most of the student body possesses a certain get in, get out attitude towards academics. This is to be expected from a commuter school, but not at all what I anticipated for my college experience. Therefore, I am finding it difficult to find and collaborate with individuals who share my constant press for improvement. I need an environment where I can learn and grow from each course I take, as well as work alongside students who share my passion for being the best I can be.Come graduation, I demand to have gained much more than a particular set of skills and a diploma. Earning a degree from Michigan certainly represents the expectations Ive set for myself- to blossom as a student, an engineer, and most of all a person. If admitted, Im confident my ambition and passion for engineering will help bring a lasting impact not only to Ann Arbor, but also the future workforce Ill be a part of.

Marketing financial services Essay Example

Marketing financial services Essay SECTION 1: Identify and review some of the strategies that the company uses to deal with the difficulties presented by the specific features of financial services marketing. SECTION 2: What market segmentation approaches does the company use and how effective do you think these are? SECTION 3: In what ways do the forces within the Macro OR the Micro marketing environment affect the companys ability to market its products successfully? SECTION 4: Select 2 components of the marketing mix and review the ways in which the company addresses these and incorporates them into its marketing approach. We will write a custom essay sample on Marketing financial services specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Marketing financial services specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Marketing financial services specifically for you FOR ONLY $16.38 $13.9/page Hire Writer REFERENCES Note: I will be using the Bank of Scotland for examples in each section. INTRODUCTION The financial services sector is one of the most competitive markets in the UK. There are now many companies (providers) offering many similar products. This makes it difficult for the providers to distinguish their organisation and their products from the competition. If this is not done successfully then they will not attract and retain customers thus not generate profits. This also makes the market confusing from a consumer point of view. This is a big challenge for the providers to overcome. Firstly what do we mean when we mention financial services? The meaning of the term financial services, as it is applied in the UK, is broadly understood to include banking, insurance, building societies, stockbroking and investment services (Anderton, 1995) A market is a pool of potential customers sharing a particular need or want, and who may be willing to do business to satisfy that need or want. Each of these potential customers will be different so, can be divided into groups on the basis of their needs and wants, (market segmentation). This also makes the marketing process more manageable. SECTION 1 Marketing is very important, especially in financial services. Deregulation and technological developments (such as the telephone and Internet) have helped make entering the market easier. Subsequently there are many new entrants capitalising on this and intensifying competition. Marketing is an ongoing process that companies must do. Marketing of financial services is slightly different to that of soft drinks products for example. The main differentiating features are: * Fiduciary Responsibly. This is an important feature of the financial service sector. Mckechnie (1992) regarded fiduciary Responsibility as being peculiar to financial service marketing. The implicit responsibility of financial service orgainisations for the management of their customer funds and the nature of the financial advice supplied to their customers (Mckechnie, 1992) People expect to be able to trust financial service providers. They expect their funds to be safe and managed reliably. If providers do not provide this then they will not attract and retain customers. If they are successful at this then customers will remain with them and also tell friends about them, the importance of word-of-mouth. This is very important in todays competitive market. Surveys show that the Bank of Scotland is enjoying high levels of customer satisfaction and has an increase of 14% on profits. This shows that they are attracting and retaining customers. Consumers believe that they will be able to rely on well known financial services organisaitons taking all the steps necessary to ensure that they recognize and meet their fiduciary responsibility. There are substantial regulations in place to ensure this. Although in light of recent press the issue of miss selling has been highlighted, especially in pensions and endowment policies. Because of this new regulations where brought in, the Financial Services and Markets Act 2000. The Bank of Scotland groups marketing strategy is very important here, as is the role of people. The employees must have good product knowledge and customer service skills. Technology is increasing within the industry. Consumers can now purchase services over the Internet and telephone and some believe that the reliability and consistancy of information provided is preferable. Bank of Scotland offers telephone, Internet, branch, and post banking. . * Two-Way Information Flows. This emphasis the amount of contact between the customer and the provider. This point also acknowledges that with such contact there is opportunity for the bank to give and obtain information to the customer, helping them meet customers needs. The bank of Scotland decided to restructure use of its data warehouse in order to focus its marketing strategies more successfully and better understand customer lifestyle patterns and behavior. So far, more accurate data analysis has led to increasingly successful marketing campaigns. Customer response and take-up of promotions tripled, saving them 10% cost savings on direct marketing and advertising resources. The bank of Scotland also has one-to-one communications with customers allowing them to tailor a package to suit that customers need, almost to an extent that they are dealing with one segment. Bank of Scotland wants to maintain its excellent customer relations and emphasese the importance of effective use of targeted direct mail as an aid to communication and the relationship building process. Bank of Scotland gives customers has other ways of contacting them via the branch, telephone, HOBS (Home and Office Banking Service) and email. * Intangibility. Financial products cannot be seen, touched or experienced until they re purchased, which makes it harder to market to consumers. Companies get round this by good, clever advertising, they have to produce adverts, and leaflets direct mail etc. that lets consumers see what products are available. As mentioned Bank of Scotland has proven success in this. Employees also play an important role in overcoming this problem. Employees are the only physical contact that the consumer has with the provider. They have the ability to influence the consumers buying behavior. The bank must give good training to employees, so that they have excellent customer service and product knowledge. The employees must listen to the consumer wants and be able to recommend and explain the product/service. Customers tend to rely on the experience of others here i.e. word of mouth, what provider informs them. So, good publicity, reputation etc. is needed. * Inseparability. Where the consumer and provider generally have to be present during service delivery. There is three main parts to this. Firstly the environment. You will notice that banks dà ¯Ã‚ ¿Ã‚ ½cor has changed over the years. They are trying to create a friendlier, open environment that invites consumers to come in. Secondly the people, Consumers and employees. This again emphasises the role of the employee. Thirdly, the invisible orgainisation, the systems, processes and procedures. These need to be speedy and efficient. As mentioned Bank of Scotland has updated its data warehouse. The use of technology now allows consumers to purchase over the Internet and phone. There is no longer a need for employees to be the physical connection, SMILE Internet banking for example * Heterogeneity. When marketing service there is a lack of ability to control the service quality before it reaches the consumer. The service will also vary between different orgainisations and even from different employees. Organisations overcome this by trying to standardize the service. Done through training. Technology such as the ATMs, telephone and the Internet reduces variability by almost cutting out the human element. This is also lower cost for the organization. * Perishability. This is not so important in financial services. It means that if a product is not purchased at particular point in time, it is no longer available. SECTION 2: As mentioned before organisations have a market segmentation process. Where the market is split into groups of consumers with similar needs. Once the market is segmented the organisation needs a marketing strategy. There are three main approaches for this: * Undifferentiated Marketing. Where the market is not really segmented. The provider tries to satisfy the whole market with one product. An example of this is Coca-Cola, they market the drink to the whole of the world. This is not common for the financial sector. * Concentrated Marketing. Where the provider concentrates on one market segment and designs a marketing mix which matches the needs of the individuals in that segment. This allows providers to focus on an area they have some expertise. E.g. private banks concentrate there marketing on high net worth individuals. * Differentiated marketing is where providers develop different marketing approaches/mixes and targets them at each specific segment. To do this the provider has to have enough products and expertise that will enable them to differentiate between groups of consumers on a profitable basis. E.g. different type of accounts differences in financial needs across personal, corporate, small business etc. banking customers. Also Internet, telephone banking all of which bank of Scotland has. The bank can then take consumer characteristics into account. Demographic is a popular option. Where they assess consumer needs gauged on income, gender and family circumstances. As people will have different financial needs at different stages in there lives. Psychographic approach may be used to, this assess peoples lifestyles. When bank of Scotland restructured their data warehouse it gave them a better understanding of customers lifestyle patterns and behavior, which allowed them to market more successfully. For example students may be a market segment. Bank of Scotland offer interest free overdraft limits and credit card account for students. Parallel 56 provided strategic marketing consultancy services in the area of Women into Business. The consultancy included consideration of channels and propositions for attracting new women business customers. This is an example of a market segment. By segmenting the market the bank can exploit their strengths. It allows them to have better more focused marketing campaigns at a cheaper cost, they can identify gaps in the market. This all helps keep the customers happy, which means profits. Each segment must be worthwhile and profitable for the bank to consider a marketing strategy for it. Each segment must be accessible, stable, unique, large enough and profitable. SECTION 3: The external environment is made of many different parts and has a major impact on organizations. In terms of marketing, the external environment is split into the Macro and Micro marketing environments. The macro environment is a more external or the wider environmental factors that may have an impact on the organization. While the Microenvironment consists of more internal or the organizations more immediate environment that may affect its ability to serve its markets. I will be concentrating on the Microenvironment, which are mainly: * Suppliers. The organizations or individuals so supply the resources needed for the bank to serve its customers. This might be the supply of equipment i.e. Computers. Sources of finance and employees also come into this category. The organization must keep a close eye on costs, levels of supplies etc. They should also keep an eye out for alternative sources. The suppliers co-operation is essential as if they are not efficient and cost effective then this will lead to the bank not supplying new products and meeting customers requirements. In a competitive environment this will lead to loss of customers thus profits. * Customers. Without them the bank will not make profit, so they are very important. In order for the bank to attract and retain customer they must meet their needs and encourage them to purchase products. As mentioned before bank if Scotland are successful at this. They have been banking for over 300 years and have increased profits and customer base over last year. the bank must know; what consumers want, what they are buying from whom and why. They must be aware of changes in consumer wants and how consumers view the banks products and services against those of its competitors. Restructuring the use of its data warehouse help bank of Scotland understand customer lifestyle patterns and behavior. Which led to successful marketing campaigns. * Competitors. They must be kept under constant review and they provide an alternative to your products and services. Within financial services products can be introduced very quickly and it is now easier for new competitors to enter the market, so keeping up-to-date is imperative. The bank must know what competitors are doing within the market and their strengths and weaknesses. Their weaknesses may be an opening for bank of Scotland to enter the market. One way Bank of Scotland has combated this is the joint venture project between J.S. Sainsbury and Bank of Scotland. This mutually beneficial move gives the Bank of Scotland a greater presence in England while Sainsburys benefits from Bank of Scotlands banking expertise. Bank of Scotland is also a Group, which includes Halifax, Bank of Western Australia, Capital Bank, Bank of Wales and British Linen Bank and many more companies including insurance companies etc. From a consumer point of view this gives the impression of variety, but although different names all the banks come under the same group. However, the bank must be wary, and this is where good knowledge comes in. If competitors are not providing a certain product it may be the case that they have done research and found that it is not profitable supplying it, or it may be that they do not have the capability to do it or they just havent noticed the opportunity. Again due to the fast paced and competitiveness of the market if one organizations supplies a successful product/service it will not be long until competitors release a similar one. * Publics. It is essential for the bank to produce good public relations and image. As there are large groups, other than customers and competitors, who take an interest in the bank. The media, government, market analysts, the financial community etc. all can influence the banks ability to successfully market there products and services. Bank of Scotland undertakes public relations activities and tries to build goodwill with these publics. The Bank of Scotland support charities and encourage staff to participate in charity events. They also invest in the community and take part in the princess trust etc. It is not just the outside publics that the bank of Scotland must care about. They have to look after there internal public. That is their workforce. They must have a good relationship with the workforce, keeping them happy will keep the customers happy. The workforce will also tell their friends what they think of the bank that will lead to word-of-mouth again. Which is why the bank offers good incentives such as bonuses, training, staff banking rates etc. SECTION 4 As mentioned the market can be split into segments and the banks can then market products/services to suit each segment. The marketing mix is a standard toolkit that helps them do this. The four main components are; Product, Promotion, Price and Place. There are also 3 additional components, People, Process and Physical Evidence. I will be focusing on Product and Customers dont actually buy products. What they actually want is a bundle of benefits that will satisfy there needs. The bank must know consumers needs and buying behavior. Each consumer is different which is why we have market segmentation. As mentioned Bank of Scotland also updated their data, in order to understand their customer behavior and needs. Different segments will want different benefits from broadly similar financial products. Which is why banks tailor their products differently for different markets (product range portfolio). A good example is mortgages; there are many different types of mortgages to suit different groups of people. The banks also keep its products, and competitors, under constant review to make sure they are meeting customers needs. The bank must also know what the customer wants the product/service for. Financial products or not usually purchased for the product itself, for another reason. This is known as derived demand. For example, a bank loan may be purchased to buy a car. Banks can tailor products and must constantly introduce new products (product life cycle and development process.) to suit consumer needs, however so can the competition. Banks must achieve product differentiation, where they have a product or characteristic that cant be easily copied. An example of how competitive the market is may be interest free credit cards. Once a provider brings out a 6month interest free period for example, competitors match this. Bank of Scotland now offer a 9-month interest free period. Price is very important in the marketing mix, as this is what directly generates revenue for the bank. Price takes a variety of forms over the different sectors i.e. in banking, setting interest rate, fee structures, banks charges etc. insurance is mainly premium charges. Banks have a number of strategies to determine price. they must look at; * Competitors prices, * The products life cycle, i.e. begin or end of its life cycle. * Banks marketing positioning policy. I.e. are they offering no frill cheaper service or aiming at top end clients. * How the market is developing, saturated, declining. Overall cost must cover banks costs, make a profit and cater for risks to ensure long-term survival. This will all depend on the banks capability and capacity. The bank has to also respond quickly to market conditions. Which involves a lot of environmental factors i.e. suppliers, competition etc. Price is also important from a consumer point of view. The consumer has to be able to afford it, they may think price is an indication of quality. It is up to the bank to concinve the consumer that the price is worth paying, done through customer service and good marketing. Price is arguably one solution to the problem if product differentiation mentioned earlier. Allot of people will seek out the cheapest price, Especially in motor insurance, mortgages etc. However, other arguments suggest that ongoing high quality of products and service can persuade customers to stay with the bank and buy from it. So price is probably a temporary advantage over good, reliable products and service.