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Professor John Kennedy prepared this case solely to provide material for class discussion. The author does not intend to illustrate either effective or ineffective handling of a managerial situation. The author may have disguised certain names and other identifying information to protect confidentiality. Ivey Management Services prohibits any form of reproduction, storage or transmittal without its written permission. Reproduction of this material is not covered under authorization by any reproduction rights organization.

To order copies or request permission to reproduce materials, contact Ivey Publishing, Ivey Management Services, c/o Richard Ivey School of Business, The University of Western Ontario, London, Ontario, Canada, N6A 3K7; phone (519) 661-3208; fax (519) 661-3882; e-mail cases@ivey. uwo. ca. Copyright © 1999, Ivey Management Services Version: (A) 2010-01-13 We are working to do a more effective job in globalizing our products. Currently, this involves five kinds of activities. First, while it is not always possible, we are focusing on the development of products that have global potential.

Second, when a product is first introduced in a specific country market, we ask the people developing the marketing strategy to incorporate whenever possible into their strategy development the concept that it should ‘travel well’ to other countries. Third, when we take a product that is successful in one country and begin to introduce it in other countries, we push our people to avoid the ‘not invented here syndrome. ’ Fourth, you can lose competitive advantage if you are slow in getting a successful product into all the markets you serve.

Therefore, we are taking steps to shorten the time period in which a successful product gets introduced across our operations. The final activity is an area that has become increasingly important to us. It is the development of a communication network that enables brand people in one country to learn quickly about successful marketing innovations in other countries. – John E. Pepper, president of the Procter & Gamble Co. THE PROCTER & GAMBLE CO. In 1990, the Procter & Gamble Co. was a century and a half old organization headquartered in Cincinnati, Ohio.

The founding product line was soap. Over the years the company’s product offerings had grown, through both internal development and corporate acquisitions until, in 1990, the product line included brands in numerous categories: laundry, cleaning, paper, diapers, feminine protection, hair care, beauty care, food, beverages and over-the-counter drugs. The firm had expanded geographically as well, particularly in recent decades. In 1990, there were major Procter & Gamble operations in 46 countries outside the United States, and P&G brands were sold in more than 140 countries.

The company sales for the fiscal year ending June 30, 1990 were $24. 1 billion, up 13 per cent over the previous year. Earnings were $1,602 million, up 33 per cent. This document is authorized for use only in GMBASG/Brand Management by Prof. Vivek Bali at SP Jain School of Global Management from February 2014 to June 2014. Page 2 9A99A038 THE HISTORY OF THE PANTENE BRAND Hoffman-LaRoche The Pantene brand grew out of research efforts in the early 1940s by Swiss scientists working for the pharmaceutical firm Hoffman-LaRoche.

As part of their research, they discovered that a material with the name Panthenol actually penetrated the hair cuticle (outer layer) to improve the strength, elasticity and moisturization of hair. Pantene Hair Tonic, the first of what would become a narrow line of hair-care products, was introduced into the European consumer market in 1946. They were positioned as high-priced “treatment” products for both men and women, and were available only in a limited number of upscale outlets. The line quickly gained a reputation for excellence.

Demand by Americans who had discovered the products while travelling in Europe led to the importation of the line to the United States in the early 1960s. The first retailer to carry the line was the pharmacy in New York’s Waldorf-Astoria hotel. This was quickly followed by distribution in upscale department stores such as Saks Fifth Avenue and Neiman Marcus. During the 1960s and 1970s, the product line was extended. Rather interestingly, shampoo, the product with the largest market potential, was not added to the product line until 1971.

Distribution of the Pantene line was expanded geographically as Hoffman-LaRoche extended its operations to additional countries. However, the vast majority of sales continued to come from Europe and North America. In the 1960s a professional line1 was developed and sold in several European countries. The line was successful initially, but strong competitive pressures led to its discontinuation in the late 1970s. In 1976, Hoffman-LaRoche shortened the product line, repackaged it, and launched a print campaign. In the United States, this resulted in Pantene becoming the number one brand in department stores.

Late in the 1970s, distribution was broadened by adding selective mass market drug chains: Walgreen’s, Long’s and Osco, where premium prices of $6. 00 to $17. 50 (per eight ounce/240 millilitre) per item were maintained. Richardson-Vicks Inc. Richardson-Vicks Inc. , a U. S. -based packaged goods firm, acquired Pantene from Hoffman-LaRoche in January 1983. Following an extensive review of the line, the decision was made by Richardson-Vicks to test the viability of moving the line from a high price, selective distribution one, to a lower priced mass market one.

The concept of a Pantene line with lower retail prices, broadened distribution, and support from increased media spending was tested with shampoo and conditioner in two western U. S. states in 1984/1985. The test was very successful, and a national launch plan was in the process of development when the company was purchased by Procter & Gamble in September 1985. Procter & Gamble Inc. Procter & Gamble continued with the development of the planning for Pantene and, in January 1986, began shipping to the U. S. trade improved formulas of the shampoo and conditioner as part of a new line called “Pantene Prestige. ” These products were phased into all major drug chains, mass merchandisers and selected food stores during the spring of 1986. At the same time, the Pantene line was phased out of department stores. Good distribution was obtained in the drug trade. There was much less success in 1 A line sold to and through beauty salons. This document is authorized for use only in GMBASG/Brand Management by Prof. Vivek Bali at SP Jain School of Global Management from February 2014 to June 2014.

At the same time, many drug retailers in the United States priced Pantene Prestige at a premium, taking higher margins as a tradeoff for lower volume. This left North American pricing consistent with Pantene pricing in most other parts of the world. TAIWAN The island of Taiwan, 395 kilometres long and 142 kilometres wide, is by far the largest of the 86 islands that make up the country of Taiwan. Sixty per cent of the island is mountainous, and only about one quarter of the land is considered arable.

The estimated 1990 country population of 20. 6 million people was almost entirely Chinese by origin, and was concentrated in the western and northern coastal fringes. Exhibit 1 provides information on the Taiwanese population by age group and gender. Taipei, the capital city, had a 1990 population of about 2. 6 million people, with an estimated further three million in adjacent communities. The next three largest cities, Kaohsiung, Taichung and Tainan, had a combined population of approximately 2. 8 million people. Ninety-three per cent of the population was literate.

The country had enjoyed very high levels of economic growth over a period of many years. Unemployment figures were low at 1. 5 to 1. 7 per cent. The projected real year change in gross domestic product for 1990 was 5. 3 per cent. GNP per head for the same year was projected at US$7,990. Exhibit 2 shows that there had been substantial equity in the distribution of the large economic gains made in the country in the previous two decades. PROCTER & GAMBLE IN TAIWAN Procter & Gamble Taiwan started out in 1985 as a joint venture between P&G and a local company, the Namchow Chemical Company.

The joint venture was known as Modern Home Products. Namchow gave P&G access to factories, an established sales and distribution network, and market knowledge and local contacts vital to doing business in a new market. Brands introduced during the first four years of operation included Pampers, Safe & Free, Camay, Ivory and Joy. While sales volume grew significantly over these four years, the operation was not a profitable one. Towards the end of that time period, the P&G American parent was shifting from a local focus to an increasingly global strategy.

At the same time, Namchow had developed a new interest in other markets. Subsequently, the joint venture was dissolved in early 1990 with P&G’s purchase of Namchow’s 50 per cent holding, and Procter & Gamble Taiwan Ltd. was born. THE TAIWAN HAIR CARE MARKET The Taiwan hair care market in 1990 was a large one, with a shampoo market size of an estimated 10 million litres, and a conditioner market estimated at 1. 25 million litres. Market growth was forecast at three per cent per annum for the next few years, then tapering off to two per cent per annum.

An early 1990 Habits and Practices study had determined that the previous three months usage of shampoo was 96 per cent — almost everyone used shampoo to wash their hair. This was twice the 47 per cent of people who had used a conditioner in the same time period. The average wash frequency was about 3. 5 times a week, with 89 per cent of respondents reporting an evening wash habit. Like the hair care markets in many other countries, there was frequent brand switching, especially among younger females. This document is authorized for use only in GMBASG/Brand Management by Prof.

Vivek Bali at SP Jain School of Global Management from February 2014 to June 2014. Page 4 9A99A038 In terms of purchase habits, 43 per cent of consumers bought their shampoos in supermarkets, and 23 per cent in discount stores which were, for the most part, single-unit medium-sized operations. It was expected that the supermarket share would increase with the completion of a number of announced hypermarches, and that share of the discount stores would drop. Twenty-nine per cent of retail sales were made in government-related PX channels.

There were three of these channels: military, federal government, and city government-based operations which were run like cooperatives and which sold only to members. This part of the market carried a limited number of brands and sizes, and used bargaining power to enable them to command price cuts of 20 to 25 per cent relative to other forms of distribution, which were called the “open” market. Retail margins were 18 to 19 per cent in the open market, compared to approximately two per cent in the PX market.

A relatively small proportion of the market was serviced by wholesalers, who worked on margins of nine per cent, including a one per cent cash discount. The market differed from many other markets, including the North American one, in that there was no consumer or trade promotional activity. The shampoo market was very fragmented, with only four brands having more than a five per cent market share in early 1990. Based on Usage data, only Head & Shoulders with seven per cent and Pert with 11 per cent had more than five per cent “Most Often Used Brand” levels.

The leading firm in the shampoo market was Kao, a subsidiary of a Japanese firm, with a 25 per cent share of the market, made up of one of the four market share leaders and a multitude of other brands. Kao was also the leading firm in the conditioner market. Procter & Gamble had first entered the hair-care market in 1986, with the introduction of Head & Shoulders, which was positioned as an anti-dandruff shampoo. This was followed in 1987 with the introduction of Pert, the first two-in-one shampoo in the market, and positioned as providing soft smooth hair.

Both Colgate Palmolive and Lever entered the Taiwan market through joint ventures about this time, and Lux’s first hair-care brand came on the market in 1988. Following the introduction of Pert, the two-inone shampoo segment grew rapidly, spurred by the entry of several new two-in-one brands, including Kao Sifone with a “soft & smooth hair” positioning, and the very recent two-in-one line extension for Lux shampoo with a “shiny hair” positioning communicated via a celebrity endorsement. By early 1990, the two-in-one segment represented 25 per cent of the market.

At the same time, Procter & Gamble had grown to second position in the market with an overall company share of 18 per cent. While product sizes were not standardized, the most popular sizes were quite closely grouped around 200 millilitre and 400 millilitre sizes. THE DEVELOPMENT OF THE PANTENE CONCEPT IN TAIWAN John Lee, marketing manager for hair care products in 1989, commented, While we were pleased with our early success in the market place, we were looking for products, particularly in the two-in-one segment, that could grow us into number one in hair care.

A Taiwan Habits & Practices study (see Exhibit 3) showed that shiny hair and healthy hair (gives nutrition to hair, protects hair from split ends) were top hair-care attributes. Given that other key attributes — anti-dandruff and softeners/smoothness — were already addressed by Head & Shoulders and Pert, we concluded that a positioning using shiny and healthy attributes, combined with two-in-one technology, could be a unique one. This document is authorized for use only in GMBASG/Brand Management by Prof. Vivek Bali at SP Jain School of Global Management from February 2014 to June 2014. Page 5 9A99A038

Some time earlier, the brand group had learned that there was a small brand called Pantene that P&G had acquired from Richardson-Vicks. They now began to study it closely for its potential for reapplication in Taiwan. They learned that, in the United States, the brand had a “beauty through health” positioning, while in France the same product had “shine outside/strength inside” positioning. Qualitative research was designed and carried out on the three positioning concepts. The results showed that the “shine through health” positioning was perceived as more specific than the “beauty through health” positioning of the regular formula of the U.S. shampoo, and simpler than the “shine outside/strength inside” positioning of recently introduced French Pantene, which used an “Algrave” formula. We concluded that ‘shine through health’ positioning, combined with two-in-one technology, would provide a good market entry point because the two-in-one technology was in the growth segment of our hair-care category. From this base, the marketing strategy for Pantene was built. In conjunction with the positioning decision, the determination was made that the Pantene introduction would be for the shampoo only. There were several reasons underlying this decision.

The most important was the continuing growth of the two-in-one market and the belief in the need for P&G to capitalize on its current product technology superiority over its competitors. “As competitive technology catches up with us,” said Mr. Lee, “performance advantages will be reduced. The name of the game will then be back to who has the better positioning and marketing — and who got there first with it! ” The second reason was that the conditioner market was small relative to the shampoo market, and that a market entry with both products would blur the focus the firm wanted to put on the two-in-one market.

Finally, the conditioner could be used as the lead product in a treatment line introduction for which planning was just starting. THE STRATEGY FOR THE PANTENE INTRODUCTION Brand Name: “Pantene Pro-V” in English; “Pan-Ting Pro-V” in Chinese Target Audience: Women, aged 18 to 35, who care most about the health of their hair. Positioning: Shine through health Product • Full-strength “Algrave” formula with Provitamin B5 (Panthenol), in ivory colour. Perfume is “X2Y. ” The “Algrave” formula had been a success in a number of countries in the Far East.

This success was attributed to the fact that Oriental hair is coarser than Caucasian hair and needs more conditioning effect. Further, product testing in Italy had confirmed the better acceptance in that country of the full-strength “Algrave” formula versus a diluted “Algrave” used in some other European countries. The Concept & Usage test had confirmed that the “X2Y” fragrance at . 45 per cent had strong acceptance by local consumers. • Four versions: normal, oily, dry, permed This document is authorized for use only in GMBASG/Brand Management by Prof. Vivek Bali at SP Jain School of Global Management from February 2014 to June 2014.

This decision was based on a 1989 Versioning study. Packaging • Shape as shown in Exhibit 4. • Colours in pearlescent pastel shades similar to the U. S. Pantene colour scheme: ivory for the oily version, yellow for normal, pink for dry, and lavender for permed. • Graphics modelled after the U. S. Pantene pack and shown in Exhibit 4 as well. These decisions followed “Package Show” tests in Taiwan and Japan (see Exhibit 5) that confirmed that Taiwan graphics were “right” for the Far East and rated significantly higher than the latest Euro-Pantene design.

Sizing: Two sizes; 200 millilitres, 400 millilitres Pert currently was offered in three sizes: 200 millilitres, 400 millilitres, and a 750 millilitre Pump. The two smaller sizes accounted for 90 per cent of the volume. Pricing: Eight per cent premium over Pert Concept & Usage test data are in Exhibit 6. The data were collected in the context that the Taiwanese respondents were asked to respond to the questions after being provided with price information showing the retail price of Pantene to be 14 per cent higher than the (current market) price for Pert.

The 14 per cent was very similar to the product manufacturing cost differences between Pantene and Pert. Purchase intent among Pert non-users was almost triple after using the product (19 per cent versus seven per cent), while comparable figures for Pert users were (13 per cent versus 12 per cent). Based on the C&U test data, the projections were made that: • the brand would generate 275,000 litres in Year 1 (excluding 25,000 litres in pipeline volume) and 665,000 litres in ongoing volume, which represented a three per cent and six per cent share, respectively; and • the cannibalization of Pert would be only five per cent.

The final decision was to set the Pantene retail price at an eight per cent premium to Pert, and equal to a planned Head & Shoulders two-in-one product. This price represented a 30-plus per cent premium on Kao Sifone on a per millilitre basis, and an 18-plus per cent premium on a per bottle basis (see Exhibit 7). Advertising • Creative: Focus on the “shiny hair through health” benefit. Use Taiwanese celebrities to get higher awareness. This document is authorized for use only in GMBASG/Brand Management by Prof. Vivek Bali at SP Jain School of Global Management from February 2014 to June 2014. Page 7

The concept was that “Pantene is a combined shampoo/conditioner containing Provitamin B-5 which penetrates the hair to fortify it. ” Visualization of “two-in-one” was used to position Pantene in the growing two-in-one segment. Two 30-second commercials were created. The tone of these commercials was elegant, self-confident, aspirational and personal. Focus group tests of the advertising showed that consumers liked it because it clearly communicated the strategic benefit of shine-through-health. The visual transformation of the hair in the commercials communicated improving health of hair.

The use of consumer language — like someone sharing personal experience instead of manufacturer talk — without demos enhanced the credibility of this copy. • Media: a three-month media heavy-up with an estimated share of voice2 of 15 per cent, or 300 average four-week GRPs3 (80R/3. 8F) to achieve at least 60 per cent awareness after three months of advertising. These decisions and projections were in line with the introductory media level of Kao Sifone, which built 67 per cent awareness in three months. Year 1 media spending was budgeted at US$955,000.

This translated into a projected share of voice consistent with the media spending of Pert in Year 1. • Sampling: 2. 6 million 10 millilitre sachets4 in the first three months to reach 75 per cent of urban households (55 per cent of national households) to generate 25 per cent + trial. Sampling concentrated on door-to-door because face-to-face sampling at central locations is less efficient with high duplication in Taiwan. The budgeted cost was US$1 million. MARGINS The projected product costs for Pantene were 14 per cent higher than for Pert. Forty per cent of this increase was attributable to higher ingredient costs.

The other 60 per cent constituted higher packaging costs brought about by the choice of pearlescent package colours and the decision to have a silver stripe engraved around the bottom of the package cap. The projected margin structure relative to Pert is shown in Exhibit 8. RESULTS Pantene Pro-V was launched in April 1990. It soon became apparent that the launch was a major success. The marketing plan had forecast a three per cent share of the market over the first year in the market. Six months after the introduction, the brand had already grown to almost twice that share.

A post-six months Usage and Attitude Study showed that the media plan/copy plan had delivered brand awareness of 70 per cent and advertising awareness of 60 per cent. Cannibalization of Pert was limited, with Pert sales declining by only five per cent. Twenty-eight per cent of users who switched to Pantene stated that they did 2 Share of voice means P&G advertising spending as a percentage of total category advertising for a given period of time. GRP is the abbreviated form of gross rating point. One gross rating point means that one per cent of the target population is expected to have media exposure.

Gross rating points are measured over a time period, which is often a week. Further, they are composed of two parts. Reach, the “R” above, is the proportion of the target audience with an expected exposure of at least once. This number is divided into Total GRPs to give the average frequency, the “F” above, of expected media exposure. 4 A 10 millilitre sachet provided enough product to wash the hair twice. Research carried out in a number of countries had established that two hairwashings were sufficient to generate trial, whereas one was not. 3 This document is authorized for use only in GMBASG/Brand Management by Prof.

Vivek Bali at SP Jain School of Global Management from February 2014 to June 2014. Page 8 9A99A038 so due to advertising. Twenty-six per cent of users switched to Pantene because of sampling. Further, the Usage and Attitude Study data indicated that respondents who had been sampled had five times the rate of trial and two times the rate of purchase of non-sampled respondents. This document is authorized for use only in GMBASG/Brand Management by Prof. Vivek Bali at SP Jain School of Global Management from February 2014 to June 2014. Page 9 9A99A038 Exhibit 1 TAIWAN POPULATION BY SEX AND AGE

Risk and challenge free college essay help: free college essay help

Risk and challenge is important for a child and young person’s development. A child needs to be challenged in order to develop and promote in their development. A child or young person will need to learn from their mistakes. Making mistakes will help the child or young person learn the difference between what’s safe and what isn’t and what they should and shouldn’t do. As practitioners, our main concern is to keep children safe from harm however we need to encourage them to experience risk and challenges. If we try to remove all risks from children’s lives we could be risking restricting their learning experiences.

Depending on a child’s age, will depend on their needs and abilities. For example, a baby will have different needs compared to a child who is in pre-school. A baby will not have limited ability, they won’t be able to walk, run etc. in the early stages. Until they learn to do this then there risk and challenge is limited. A child who is slightly older will have different needs and abilities. It is important not to over protect children and young people when making risk and challenge as this is a ‘stepping stone’ in their development a certain level of risky experiences will help them to develop confidence.

Children need to learn how to control risk themselves; by learning what is a safe boundary are with the help of adult, and showing the children how to recognise the risk and dangers in the safest way possible. 3. 2) it is important that children and young people are given opportunities to make their own decisions and choices. children need independence to give themselves a satisfied and pleased emotion when they have done something without being told to by an adult or done something to their best ability after being asked.

The United Nations Convention on the Rights of the Child (UNCRC) is an international human rights treaty that grants all children and young people complete set of rights. it is important that children have a environment to provide challenging tasks according to their different interests and ability levels. 3. 3) I have supported a child to assess their own safety and manage risks in my setting by supervising outside play after it had been raining. the slide/climbing frame had become wet and therefore hazards where formed. I assessed the situation and informed the children they could not play on it until I had dried it. after drying it I informed the children that it may still be a bit wet so they was to be careful when climbing it and to hold onto the rails when climbing the stairs. In age appropriate language, I asked the child open-ended questions, to find out why they may hurt themselves. Doing this, both me and the child can work together to gain a better understanding of why they were to be cautious and what they can do to make it safer as well as the child learning from their mistakes and actions and the consequences that will have effect.

Final Paper essay help writing: essay help writing

Target corporation is one of the biggest retailers there is out there, bringing in an estimate of $74 million dollars a year in revenue. Majority of Target revenue is earned during the busiest time of the year, which are Black Friday and holidays. Target has had a huge positive reputation because of the “Expect More Pay Less” promise and giving 5% back to the community. However, Target has been going through some hard times because of the Target breach that occurred during the holidays of 2013.

This research paper will focus first on introducing the Target breach and how it has affected the company and what the company has done to fix the problem. Moving forward, I will focus on internal controls that Target could have applied and summarizing everything towards the end. Target Breach & Internal Controls Target Corporation is a well known and respected retail store out there. Target is a corporation that buys goods from manufactures at a purchase discount price and reselling it to consumers in a higher price to make a profit. Target has brought in revenue of $74 million dollars a year and continues to grow every year.

However, Target has gone through some hard times with the Target breach that just occurred during the holidays of 2013. Consumers have had a hard time trusting their card readers and loyalty and sales have been dropping ever since. The question that is now in the air is what internal controls that company had during this breach and what could they have done to avoid this breach that just occurred. To begin with, the company was running perfectly and driving outstanding sales until the company and guest found out that they had a breach, also known to the community as the “Target Breach.

Target corporation confirmed that a major data breach occurred between Black Friday and December 15, 2013, which includes many of the most important shopping days of the year” (Edelson, 2013). Ever since the Target breach, the company’s reputation was hurt, consumers were not confident about shopping, and are afraid of using the card readers at the stores. Later in time, after the breach was announced, the company had given further information on how the breach affected the people.

It is believed that the breach affected roughly 40,000 card devices at store registers, which could mean that millions of cardholders could be vulnerable, according to the people familiar with the incident” (Sidel, 2013). On top of the 40,000 card devices being affected, 40 million people’s credit card and debit card information was stolen. The CEO of Target Corporation later released to the press and announced that personal information such as address, names, phone numbers, and e-mail address were also taken from the Target system.

After reading about the Target breach, being an assistant manager for Target, and hearing about the tragic that has been caused, I remember feeling upset because of the way the company was going to be affected. However, it also reminded of the internal control concept that was thought in class. There was a lot of fraud involved with the Target breach, which is something that occurs when it comes to intern control. “Fraud refers to any act by the management or employees of business involving an internal deception for personal gain.

Fraud may include, among other acts, embezzlement of business cash, theft of assets, filing false insurance claims, filing false health claims, and financial statement fraud” (Ferris, Wallace, Christensen, 2014, pg. 314). With the Target breach, you are able to see the fraud triangle concepts, which consist of pressure, opportunity, and rationalization. Being employed by Target, that concept came into mine when reading the article because there was an e-mail sent to management about believing that an employee that worked with the POS (point on sale) system had a lot of inside information within the system.

The pressure was there to get information from the POS system and rationalization was involved when they knew that they can get credit card information. The opportunity occurred when they knew the busiest time of the year was going to be Black Friday and majority of the sales are driven in that day. From all that has occurred it is not clear what internal controls Target had in order to avoid this situation. Internal controls are important when it comes to businesses in order to avoid situation like the Target breach.

There are two parts that I believe that important when it comes to internal controls, which are prevention control and detection control. A “prevention control is intended to deter a problem or fraud before it can arise” (Ferris, Wallace, Christensen, 2014, pg. 316). Target should have followed the prevention control with the POS system in order to avoid the Target breach. A “detection control, on the other hand, is designed to discover any problems or fraud shortly it arises” (Ferris, Wallace, Christensen, 2014, pg. 316).

Target followed the detection control after the problem of the breach was brought and took justice in their own hands in order to fix the problem. The first thing Target did was post a prominent message on its Web site, “Important notice: unauthorized access to payment card data in the U. S. stores. ” The message linked to a letter alerting customers that a breach occurred and outlining steps Target is taking to a voice a recurrence” (Edelson, 2013). Another step that Target has taken is bringing justice for the information was that was stolen out of their systems.

Target had invested $5 million dollars into a multi-year campaign in order to stop phishing scams (Target, 2013). “Target has longstanding history of commitment to our communities, and cyber security is one of the most pressing issues facing consumers today,” said Steinhafel. “We are proud to be working with three trusted organizations-the National Cyber-Forensics and Training Alliance (NCFTA), National Cyber Security Alliance (NCSA) and Better Business Bureau (BBB)- to advance public education around cyber security” (Target, 2013).

Target has gone to long measures to protect the information of the guest and reinsure loyalty by offering ProtectMyID, which keeps track of credit reports, monitoring, and identity theft (Target, 2013). As an apology to the guest, Target offered a 10% off discount to all guests which were a huge success for the company but numbers of transactions was cash paid. Being an employee for Target, we are still determine to follow our core roles, continue delivering the “Expect More Pay Less” promise, and delivering an excellent shopping experience for our guest in order to continue driving profitable sales and guest loyalty.

In order to avoid this situation and detect the problem ahead of time, Target should have incorporated the following elements that are designed for prevention and detection controls. The first element is establish clear lines of authority and responsibility, which is giving authority to a supervisor or manager but also evaluation their consequently to companies policies and rules. Implement segregation of duties, “requires that when allocating various duties within the accounting system, management should make sure that no employee is assigned too many different responsibilities” (Ferris, Wallace, Christensen, 2014, pg.317). Hire competent personnel, which the company sees if that person has the education and qualified skills to perform that job. Use control number on all business documents, which is having all important documents with control numbers. Develop plans and budgets, which is having a plan and budget in order to bring the company forward. For example, the $5 million dollars that were invested in the anti fraud software in order to bring guest loyalty back. Maintain adequate accounting records, which is making sure that the company has the most recent accounting records.

For example, the number of fraud claims that were reported under guest bank statements in order to reinvers their money back. Provide physical and electronic controls, is locking their doors or important files to prevent theft, which should have happened with the POS system. Conduct internal audit, “is a company function that provided independent appraisals of the company’s financial statement, its internal control, and its operations” (Ferris, Wallace, Christensen, 2014, pg. 319).

In conclusion, we are able to see how the company was impacted from the breach that had occurred and the actions that the company has taken in order to fix the problem. People information had been stolen and finances have been tampered through it. We are able to see how internal controls play an important part when it comes to finances, accounting, and to businesses such as Target. If the proper elements and procedures had been applied with internal control I am sure that all of this could have been avoided or reduced.

Importance of agriculture to economy of mianwali college essay help near me: college essay help near me

Mianwali is the district situated in the north of Punjab. It is located at the border of province KPK AND PUNJAB. This district was formed in the year 1906 . it has three tehsil’s Mianwali Easa khel Piplan The majority of peoples of mianwali belong to the field of agriculture . Mianwali consists of wonder full irrigation system. It consists of canals, river, and tube well, INDUS RIVER is one important source which provides water to many areas in mianwali. this river covers the areas of esakhel,mianwali,kundian,chashma,doaaba, etc. due to this river most of the irrigation system in mianwali is easily approachable to all farmers. There are two major canals in mianwali too Thal canal Upper-Jhelum canal These two canal canals cover the major portion of mianwali. Apart from these canals there are many tube wells which fill the agricultural needs of mianwali people. From a long time the economy of mianwali was revolving around the crops which were more cultural in nature . These crops consist of wheat mungi and some vegetables.

These crops were produced in mianwali for a long time but due to some problems these crops cannot give economical benefits to mianwali neither they can full fill the food needs of mianwali. But now in last ? years the type of crops being produced in mianwali is changed now mianwali people are producing crops like cotton, tobacco, etc. These crops are providing large profits to the people of mianwali and it is also providing people with employment . these crops are also giving industrialization in mianwali. In this article we will discuss about the effect of agriculture to mianwali.

In Pakistan agricultural sector is of prime importance. It is the major source of income for the country during last 65 years. According to the latest survey it is contributing 1. 20. 9 % to the GDP. 2. Its growth rate is as low as 1. 5%. 3. It gives employment to 45% labor force So this scenario shows that agriculture is of prime importance to the economy of PAKISTAN. As mianwali is located in Punjab province so it also possesses a very fertile land. Due to this reason agriculture is also very important to the people of mianwali and its economy.

Everyone knows that mianwali is traditionally producing those goods which are used as food, like wheat but in this article we will study about a few crops which are new in mianwali and which are making mianwali economically strong. EXPANSION OF COTTON INDUSTRY. The production of cotton in mianwali is increasing in last couple of years. MIANWALI was not known for the production of crops like cotton in the history but now mianwali is producing cotton at a high rate. Cotton is helping the economy of mianwali in many ways we will study those ways but firstly we will show the stats which show Amount of cotton in 2011 /acre

Amount of cotton in 2012/acre 91000 96500 This increase in the production of cotton is providing mianwali with many benefits these benefits are explained shortly. Direct benefits. Employment Industrialization Increase in per capita Income Increase In the Production Tobacco Increase in the production of other crops Now these direct benefits are discussed in brief: Direct benefits Like every crop cotton has a direct benefit because cotton is a premium crop and it has a high market value so it gives farmer a very large amount of profit. This large amount of profit gives two benefits to the farmer . 1st is large revenue and 2nd is increase in per capita income. Also if a farmer gets large amount of benefit it proves incentive to work hard which helps to increase in income of the farmer directly and city and country indirectly. Employment: This increase in production of cotton is leading to many advantages to our district. The biggest of all these advantages is providing employment . firstly when the people work on wages in the fields they get jobs. 2nd reason is that with the increase in production many GINNING FACTORIES have started working in the premises of mianwali.

There are 33 ginning factories working in mianwali. Due to these factories many people in mianwali have started to get jobs in these factories. Almost 100 people are working in these factories. So at least 3000 people have got their jobs. This leads to increase in per capita income and ultimately to the stability of economy of mianwali. Industrialization: Industrialization is the thing which gives development to a country and a city every developed city in the world is developed due to its industry.

Manchester is one of the most developed countries in the world it is just developed due its industry. In Pakistan Faisalabad Gujarat Gujranwala is one on of the developed cities just because of their industry. Cotton industry is providing mianwali with a chance to be industrially strong now in mianwali 33 ginning factories are working this is not a very big no but for a city like mianwali it is very healthy thing to have a start in the field of industry and this start is just because of crop of cotton . Increase in per capita income:

Cotton factory is also increase leading to per capita income because if a farmer earns a direct revenue ,or a person gets a job in a factory or a person installs a industry it leads to the increase in earnings of mianwali and also it is leading to the increase in per capita income and development of economy of mianwali. INCREASE IN PRODUCTION OF TOBACCO: In the last few years the production of tobacco has increased in mianwali especially in last two years its production has increased at a very rapid rate, which can be seen from the following data. Amount in 2011 per acreage Amount in 2012 per acreage 1000 1500

According to this data the amount of production of tobacco has increased almost half of the amount since last year. This increase in the production of tobacco is giving mianwali many economic benefits. Firstly if the production of any crop increases it can increase the revenue, secondly it increases the rate of employment but the major benefit which mianwali has got from the production of tobacco is the INDUSTRIALIZATION because the increase in the rate of production has got the attention of PAKISTAN TOBBACCO COMPANY (PTC). due to the increase in the rate of production of tobacco PTC has started a plant in the mianwali.

In the past few years the production of other crops is increasing in mianwali at a constant rate . for example the production of wheat is increasing at a rapid rate, wheat is an important ingredient of human food . it is a premium crop and increase in its production has lead to the increase in the rate of revenue earning for the people of mianwali. The increase in the production of all other crops is increasing the living standards of the people of mianwali . this increase in the production rate is increasing the per capita income.

It is providing people of mianwali jobs and also giving mianwali a chance to be industrially strong. But there are some indirect benefits which people of mianwali are getting from agriculture now we will study about those benefits. BENEFITS OF AGRICULTURE FOR ECONOMY OF MIANWALI (INDIRECT): There are many benefits of agriculture in a country. Many people know about these advantages but there are some other advantages about which not enough people know but these advantages are as important as other advantages and they are also helping the economy in a descent way. FOCUS OF NATIONAL & MULTINATIONAL AGRO COMPANIES:

This increase in the rate of agricultural products has lead to the focus of many national and multinational companies in mianwali. This focus is giving people of mianwali a chance to get employment. Their are around 20 agro companies working in the mianwali presently . around 50 men are working in each company as a salesmen, accountant, managers, . So almost around 1000 people have got the jobs in these companies . so in a small city like mianwali it is proving to be very beneficial . this is increasing the per capita income and helping our economy in a great way.

The volume of grain market has increased in mianwali at a rapid rate in mianwali(complete info about grain market is provided on a separate page). due to this increase in grain market it is easier for the farmers to get their grain into other areas and earn important revenue. (All the data was provided by ALI AKBAR GROUP) PROBLEMS FOR FARMERS IN MIANWALI As we have already discussed that mianwali is a remote area it is not much developed so our district is facing many problems in its agricultural process.

The irrigation system of mianwali need to be improved and the farmers need to have some support from government. There are many problems faced by the farmers of mianwali a few of them are as follows: SHORTAGE OF WATER: Water is the necessity for agriculture easy access to water and better irrigation system makes it easier for farmers to produce good crops. Unfortunately many areas of mianwali are facing problems of water farmers don’t have easier access to water. Low level farmers cannot use tube wells . most of the agriculture system of mianwali depends upon rain water so if there are no sufficient amount of rains farmers of mianwali suffer losses. Transportation of agricultural commodities: In many areas of mianwali like kacha there are serious transportation problems . farmers are not able to take their commodities to the other cities easily . as the farmers are not able to take their commodities to the other cities so, there is less amount of production because the farmers know that they cannot sale their products in other cities so they produce in less amount.

Cold stores Another serious which people of mianwali are facing is the problem of cold stores. Because there is no cold store in mianwali due to this reason the production of citrus is affected in mianwali because farmers know that if they produce in large amount then their fruits can be ruined due to the absence of cold store. So due to this reason production of goods is affected at a high rate. Inputs should be cost effective The inputs like fertilizers, seeds pesticides are really important for the production of crops.

If the inputs are cost effective then it directly influences the rate of production. In mianwali these inputs are not easily available and also not very much cost effective. So to improve the economy of mianwali inputs should be cost effective. So to improve the economy of mianwali we need to find some solution of these problems because without solving these problems we cannot improve the economy of mianwali. STEPS TAKEN BY INDIAN GOVERNMENT FOR THEIR FARMERS AS COMPARED TO GOVERNMENT OF PAKISTAN PAKISTAN AND INDIA are two neighboring countries . these two countries resemble with one another in many ways. The weather, economic conditions type of soil and many other traditions are same between these two countries but due to certain reasons India is much more economically strong than Pakistan. These reasons are as follows. Here is a short comparison between the steps taken by Indian government and Pakistan government is as follows: PAKISTAN Inputs are not cost effective Tube wells are not easy for small farmers to install. Ways of transportation are not good. The middlemen’s in Pakistan reduce the benefit of farmers

Transportation system is better in india. There is no middle man in india that is why farmers gets more profits. At the end we will like to end our article by suggesting that government of Pakistan should also take steps to improve the life style of our farmers as Indian government did. And there should be new methods in agriculture to improve the production and the farmers should be given skills so that they can enhance their production.

Peer Review Worksheet college application essay help online: college application essay help online

Read the essay completely once. Then, read it again taking all of the following into consideration. Be honest, constructive, and appropriate in your comments Read objectively Do not offer comments like “Cool,” Great,” “I liked it,” or anything else that does not include a scholarly explanation or justification for the comment Feedback is important, especially at this critical first stage Help your classmate think outside the box; does what you read bring something to mind? If so, tell them. This is the kind of creative banter that inspires imagination. 1.

Check the paper’s MLA style – are changes needed to the (make bold your answer): heading? yes/no title? yes/no page numbers? yes/no margins? yes/no font? yes/no page length? yes/no any explanations to these answers? 2. Read the paper from beginning to end for understanding (make bold your answer): Rate the paper on a scale of 1-5 for enjoyment12345 Rate the paper on a scale of 1-5 for understanding12345 3. Locate the thesis statement and copy/paste here: Within John H. Banzhaf III’s essay, “Lawsuits against Fast Food Restaurants Are an Effective Way to Combat Obesity”, there is an overwhelming theme of foregoing personal responsibility.

Banzhaf, an American legal activist, preaches the importance of the public being made aware of the dangers of fast food. However, he seems to willingly overlook the responsibility that the public holds to itself for the sake of frivolous litigation. He himself has stated that improving one’s personal health is dependent on one’s own desire to do so, while pushing lawsuits that plead the ignorance of the public. 1 Banzhaf is often compared to Ralph Nader for his public health advocacy. However, he seems to opportunistically advocate the use of excessive legal action for personal gain, even though he seemed to once stand for the public welfare. Rewrite the thesis statement in your own words here: Banzhaf is an American legal activist, who makes the public aware of dangers in fast foods. However his uses excessive legal action for personal gain, though he appears to stand for the public welfare. The author contradicts himself in the public eye about the issues on obesity, with statements of “one’s personal heal is dependent on one’s own desire to do so. ” 4. Look at individual paragraphs (make bold your answer): Does each paragraph build on the main idea(s) of the essay? yes/no Do the paragraphs transition well into one another? yes/no Would you recommend any reordering of sentences or paragraphs to better construct the essay? yes/no Does the conclusion bring this discussion to a logical end without restating word-for-word the thesis? yes/no 5. Consider the supporting textual examples (make bold your answer): Did the writer use examples to support their argument? yes/no Are these claims accurate? yes/no Are any examples properly cited? yes/no Any explanations to these answers? 6. What is this essay’s greatest strength? I enjoyed reading your thesis and conclusion.

I like the use of words to explain your point throughout the entire paper. 7. What is this essay’s greatest weakness? The second paragraph on the introduction may need more back ground information on the author. However I didn’t see any “greatest weakness” in the essay. 8. Say at least one thing constructive to the writer about this essay. I enjoy your way with words, and how the flow of the essay goes, with the disagreement with the author’s point of view. I am currently working on my writing flow as well and visually seeing your essay, creates a new way for me to construct my essay papers in the future.

Criminal procedure college essay help los angeles: college essay help los angeles

“Uganda’s criminal laws give judicial officials discretion to decide on the cases they wish to handle and empower them to make phone calls to accused persons to appear before their courts. ” With the aid of authorities discuss the veracity of the above statement. With reference to the Black’s Law Dictionary a judicial officer is a person who holds an office of trust, authority or command. Judicial officers such as judges and magistrates have discretion to decide on cases they wish to handle however they are limited to Jurisdiction.

There are three types of jurisdictions and they are; Territorial jurisdiction, Local jurisdiction and power to try cases. Firstly, in accordance to territorial jurisdiction, section 4(1) of the penal code cap120 lays down the extent of the jurisdiction of the courts of Uganda. It should be noted that the general rule under this section is simply that the jurisdiction of Ugandan courts is confined to crimes committed within the territory of Uganda. Section 4(2) provides exceptions stipulated in s. 23, 24, 25, 27 and 28 of the penal code committed by a Ugandan outside Uganda.

Such as Treason, acts intended to annoy the person of the President, concealment of treason, terrorism, promoting of war on chiefs and many others. It should be noted however that under international law, there is no restriction on the competence of the court to prosecute its own nationals for crimes committed outside its territorial jurisdiction if this right to national jurisdiction is conferred by statute. In Uganda vs Mustapha Atama 1975 HCB 254, where the accused a Kampala business man was charged in the chief magistrate’s court with obtaining money by false pretence contrary to section 9 of the PCA cap 106 now cap 120.

The prosecution alleged that the accused while in the republic of Zaire obtained shs. 3360/- from the charge-d’ affaires of the Ugandan embassy by falsely pretending that he required the money for the maintenance of eight Ugandan soldiers who were stranded in Zaire while on an official mission. On the issue on whether Ugandan courts had jurisdiction over the matter as the offence had been committed in the Republic of Zaire, though in Uganda’s embassy. It was held that s. 6 of the PCA cap 106 now cap 120, confers jurisdiction to courts in Uganda to try offences committed partly within and partly without Uganda.

While s. 2(b) merely presupposes the existence of a law conferring extra territorial jurisdiction to the courts in Uganda, in the absence of a Law enabling Uganda Courts to try nationals for acts committed whole outside Uganda, the Chief magistrate would have no jurisdiction to try such cases. Secondly, Local jurisdiction’s Magistrates are usually appointed to specific magisterial areas with reference to s. 5 of the MCA. The general rule is that every offence must be tried by a court within the local limits of the jurisdiction where it was committed under s. 31 of the MCA cap 16. Should the accused be found outside the area in which the offence was committed, the court in whose local limits of jurisdiction he is found will have him brought before it and cause him to be removed, in custody, to the court having jurisdiction to hear the case under s. 32 of the MCA. i. e the offence is committed in mbale and the fugitive is in Masaka, the court in Masaka will hand him over to the Mbale court which has Local jurisdiction over the offence that was committed by the accused.

However where the offence is committed partly within and partly without the Local limits of jurisdiction, any court having jurisdiction in either the two places may hear the case with reference to s. 37 of MCA. Thirdly on jurisdiction, the power to try cases, where an offence is committed in Uganda within the territorial boundaries and is committed within the local limits of jurisdiction of a particular magisterial area, the judicial officer handling the case will still have to ask himself whether he has the power to try the case, or whether the court he presides over , has jurisdiction to hear the case.

For instance the Anti Terrorism Act No 14 of 2002 section 6, provides thus; The offence of terrorism and any other offence punishable by more than ten years imprisonment under this act are triable only by the high court and bail in respect of those offences may be granted only by the High court. Only the High court has powers to try the offence of terrorism under the Anti terrorism Act. The original jurisdiction of a chief magistrate’s court is governed by section 161 (1) (a) MCA.

A chief magistrate may try any offence other than an offence in respect of which the maximum penalty is death. Example of these are murders, treason, rape, aggravated robbery, etc. However, a chief magistrate may pass any sentence authorized by law under section 162(1) (a) MCA. This means that he can pass a maximum sentence of imprisonment for life and can impose a fine of any amount. A magistrate grade 1 may try any offence other than an offence in respect of which the maximum penalty is death or imprisonment for life. Under 162 (1) (b) MCA, as amended provides that a magistrate grade 1 may pass a sentence of imprisonment for a period not exceeding ten years or a fine not exceeding four million, eight hundred thousand shillings or both. In Uganda vs Nicholas Okello (1984) HCB 22, The charge in this case was for attempted defilement contrary to section 123(3) PCA cap 106 of which the maximum sentence was 18 years imprisonment. The magistrate 1 tried this offence and sentenced the accused to 18 years imprisonment. He appealed against sentence and conviction. It was held that the magistrate had no powers to try such offence and therefore the trial was a nullity.

A magistrate grade 2 may try any offence under any written law other than the offences and punishments specified in the first schedule of the MCA. Section 161(1) c) MCA. The sentencing powers of a magistrate grade 2 are limited to imprisonment for a period not exceeding three years or a fine not exceeding half a million shillings S. 162(1) c) MCA. In the Uganda vs c. Kiwanuka [1979] HCB 210, In this case the magistrate grade 2 tried the accused of the offence brought under the fire arms Act, which was an offence stipulated under the first schedule to the MCA to which a magistrate grade 2 had no powers to try.

It was held that the conviction of the accused and sentence imposed on him by the magistrate grade 2 in disregard of the provisions of the first schedule was illegal. Article 129 of the constitution gives a list of the courts of judicature in Uganda such as, the Supreme court which is a superior court of record and a final court but does not have original jurisdiction like high court but has appellate jurisdiction.

With reference to article 132(2) of the 1995 constitution of Uganda provides that it hears appeals from the Court of appeal. The court of appeal has appellate jurisdiction and hears decisions of the high court with reference to article 134(2) of the 1995 constitution, also has powers to hear cases or petitions regarding any questions as to the interpretation of the constitution according to article 137, Constitutional court.

According to article 139(1) of the constitution, confers High court unlimited original jurisdiction in all matters with such appellate and other jurisdiction as may be conferred on it by the court or any other law. Section 1 of the T. I. A cap 23 provides that the high court has unlimited jurisdiction to try any offence under any written law and may pass any sentence authorized by law.

Except that no criminal case can be brought under the cognizance of the high court for trial unless the accused person has been committed for trial to the high court in accordance with the M. C. A. Section 2 of the T. I. A provides the sentencing powers of the high court whereby it may pass any lawful sentence combining any of the sentences which it is authorized by law to pass. High court hears decisions of the Chief magistrate and magistrate grade 1 as provided in section 204(1) a) of M. C. A. with reference to section 168 of the M. C. A. provides for committal proceedings where, When a person charged with an offence to be tried by the High Court appears before a magistrate and the Director of Public Prosecutions has complied with subsection (1), the magistrate shall give the accused person a copy of the indictment together with the summary of the case, read out the indictment and the summary of the case and explain to the accused person the nature of the accusation against him or her in a language he or she understands and inform him or her that he or she is not required to plead to the indictment, commit the accused person for trial by the High Court and transmit to the registrar of the High Court copies of the indictment and of the summary of the case. According to the law in Uganda, judicial officers are not entitled or empowered to make any phone calls to the accused to appear before court. There is a clear procedure on the issuing of summons. With reference to the Blacks law dictionary summon refers to a writ or process commencing the plaintiffs action and requiring the plaintiffs to appear and answer. A criminal summon is a simple court document that contains a number of facts justifying an inquiry into a complaint against an accused person and requiring him to attend the inquiry.

It is a document issued by court to be served on the person addressed in it requiring that person to appear before court on the date specified in the document to answer charges brought against him or her. Most importantly every summon must be in writing, prepared in duplicate, signed and sealed by the magistrate or such other officer as the chief justice may from time to time direct with reference to section 44(2) of the M. C. A. Every summon must be directed to the person summoned and shall require him or her to appear at a place, date, time indicated therein before the court having jurisdiction to inquire into and deal with the complaint or charge as provided in section 44(2). In section 44(3), a summon must also state shortly the offence with which the person against whom it is issued is charged.

This is basically for purposes of letting the accused know and prepare for the charge he is being compelled to answer. Service of summons to accused is supposed to be in person. According to section 45(1) of MCA every summon must be served by a police officer or an officer of the court issuing it or any public servant but in practice, a summons is served by a police officer or an officer of the court called a process server. A summons must be served on to the persons to whom it is addressed personally but the section states, if practicable. The summons is served on the accused by giving him a duplicate of the summons and in practice he must sign the original copy of the summons.

Section 45(2) of the MCA provides that every person on whom a summons is so served, shall if so required by the serving officer, sign a receipt of it on the back of the original summons. In a situation where service of summons to an accused who cannot be found, service of summons maybe effected by leaving the duplicate of the summons for the accused with an adult member of the family or the accused’s servant who normally resides with him or by leaving it with his employer as provided in section 46 of the MCA. The person with whom the summons is left, if so required by the process server, must sign receipt of it on the back of the original summons.

The procedure when service cannot be effected is provided in section 47 of the MCA, the process serving officer shall affix the duplicate of the summons to some conspicuous part of the house or homestead in which the person summoned ordinarily resides and thereupon the summons shall be deemed to have been duly served. Where the person summoned is in the active service of the Government or of the East African Community, the court issuing the summons shall ordinarily send it in duplicate to the head of the office in which that person is employed, and the head shall thereupon cause the summons to be served in the manner provided by section 45, and shall return it to the court under his or her signature with the endorsement required by that section. That signature shall be evidence of the service as provided by section 48 of the MCA.

A summon can too be issued to a company with reference to section 49 of the MCA, that provides that service of summons on an incorporated company or other body corporate may be effected by serving it on the secretary, local manager or other principal officer of the corporation or by registered letter addressed to the chief officer of corporation or by a registered letter addressed to the chief officer of the corporation at the registered office of the company or body corporate in Uganda. Service of criminal summons on a body corporate can be done by sending the summons by registered mail addressed to the chief officer of the company, secretary, local manager or other principal officer of the company.

These officers of a company are deemed competent to plead on behalf of the company. In showing proof that service was effected, section 50 provides where a summon can be served, that is at any place in Uganda. Where the summons was served outside the local limits of jurisdiction of the presiding court or if the accused for whom the summons was intended doesn’t appear at the place, date and time indicated, the court might either on its own or upon application by the prosecution decide to issue a warrant for his apprehension. But before the court does so, it will be necessary to show by evidence that the accused was served and had deliberately refused to obey the summons.

According to section 51 of the MCA, ordinarily proof of service of summons shall be given by calling the process server to give evidence on oath that service was effected. But where the officer is not present or the summons was served outside the local limits of the jurisdiction of the issuing magistrate, proof maybe effected by the person with whom the summons was left, swearing an affidavit before a magistrate and presenting the original summons duly endorsed in the manner described above. Even if the original summons is not endorsed, the affidavit shall be admissible in evidence if the court is satisfied from the statements made in it that service of the summons has been effected properly with reference to section 51(2) of MCA.

When the only tool you have is a hammer gp essay help: gp essay help

“When the only tool you have is a hammer, all problems begin to resemble nails” (Abraham Maslow). How might this apply to ways of knowing, as tools, in the pursuit of knowledge? In order to approach this question sufficiently, two things need to be determined; what a problem is considered and what Maslow’s “hammer” means in his quote. If the tools are the ways of knowing, then the hammer would be the body of the knower. The knower’s conflicts in the pursuit of knowledge while using these tools will portray the “problems” in this essay. At first glance, Maslow’s quote seems to be very vast, containing many unexplained metaphors.

By limiting the knower to having control of only one tool, the hammer, Maslow restricts the knowers pursuit of knowledge. With many other tools, the knower is able to overcome many varying problems. In this quote, there is a clear problem and solution already stated; the knower is given the problem, the nails, and is also given the solution, the hammer. This simple quote also forces the knower to discover many questions: how can one identify a problem? Is the knower able to identify a problem if he/she does not possess the required tool to solve it?

When faced with this scenario, do we guide ourselves to find the correct tool? One example that correlates to these questions is the heavily debated notion that Eskimos have a large number of words that describe snow in their vocabulary. They are limited in the knowledge they know, they have only one tool (the hammer). Because of this lack of tools, they slowly progress their narrow vocabulary (the nails). Situations like this tend to guide many knowers to the infamous “the chicken or egg was first” predicament. Referring back to the quote, does the knower identify the problems first or the solution?

At first, the hammer seems to be this great and powerful “tool” that is able to solve any given problem. When a knower looks at this metaphor with a logical sense, he/she will realize that not all problems can be solved with one tool. The hammer will not work for all situations, while not all nails can be pounded into every surface. Therefore, the knower will essentially understand that the more tools he/she possesses, the more problems they will be able to take on, and in the end more solutions. Is the knower able to identify a problem if he/she does not possess the required tool to solve it?

When faced with this scenario, do we guide ourselves to find the correct tool? One problem that could be seen, however, is the friction between each of the tools such as emotion and reason. This can be illustrated by a situation where a person is faced with a problem, and his decision is influenced by their cultural background. To that person, their decision would seem logical in accordance with their reasoning. However, their responsibility to their culture would release emotion, therefore clouding that person’s reasoning. When looking at the Middle-Eastern area, many would say it is unsafe place to be.

Although this isn’t necessarily wrong, people have to first understand the religion and the culture of the people. Not every person there acts and reacts the same as others. To a few subcultures, the problems that arise are pounded back down with their form of a hammer. For example, the attacks of 9/11 were the solution to some of these terrorist group’s problems. Their hammer, the hijackers, were used to bring down their nails, or problems, that being the United States. In this situation, the emotion that comes along with the religion of these people may overpower the reasoning, therefore maybe ending with an unwanted solution.

Another example could be my presence in Spanish class. As an average Spanish speaker, I would regard the Spanish online dictionary as the hammer in Maslow’s quotation. Using this dictionary, as well as many other tools given to me, I am able to translate words or find the meanings of words that I had not understood before. Thus, the words or phrases that I have translated assume the form of the nails. In some cases, however, there are words or phrases that do not translate precisely from English to Spanish or vis versa. The hammer, or the dictionary, can help in many cases but it also can limit knowledge.

For a situation like this, the knower has to go through his assortment of tools to find the right one to solve this problem. In class, we are given many online sites to use as our “hammer” to handle different sizes of nails, or the different problems. When one builds a relationship with the ways of knowing as tools, while being completely conscious of all the ways of knowing, that knowledge will lead them to have an understanding of the problems that they will encounter pertaining to these ways of knowing. Like many other theories, there are a few knowledge questions that arise.

How much would such things like blindness or lack of taste influence one’s sense perception? Using the given theory, would someone with these given troubles still be able to recognize and face problems that involve seeing or tasting? Does any other way of knowing influence the others, such as reason? These questions all depend on the knower and his/her way of thinking, which in turn chooses the mightier tool between reason and emotion. When considering the hammer as a notion for a knower to obtain new knowledge in their pursuit of knowledge, various inquiries come up.

When the eight ways of knowing serve as the varying tools available to the knower, can the quality and quantity of knowledge obtained be restricted? Can the ways of knowing be applied to all problems we face? Are these eight ways of knowing the only method of obtaining knowledge? In the pursuit of knowledge, Maslow’s hammer metaphor is very relevant when one portrays the ways of knowing as tools because it depicts a situation where the quality and quantity of ones knowledge is restricted due to their own bias.

It is of great importance, however, to acknowledge that it is not always reasonable for every circumstance where a knower experiences a problem. In some circumstance, the opposite can occur from such a problem because the knower makes adjustments to their path to find a better result that suits to the given problem. This can also result in the knower becoming single-minded, limiting their pursuit of knowledge and their overall amount of knowledge.

Cause and Effects of Divorce essay help fairfax: essay help fairfax

From the past to present, people all over the world have determined to live together, so that they depend on each other for living. Nevertheless, some couples are unable to maintain their relationship; therefore they choose divorce, which is one of the solutions to cope with problems between husband and wife. Most people think carefully before they get married. However, the divorce rates tend to continually increase. Therefore, it might be argued that divorces can happen a lot easier than the past.

There are three main causes of divorce: changing woman’s roles, stress in modern living, and lack of communication, which are highlighted below. The first significant cause of the recent rise in the rates of divorce is that women completely changed in roles. In the past, men had to earn all or most of the money to afford their expenses, whereas woman only do housework, hence women have no money, leading to depend on husbands’ money. Because of these situations, it is too difficult for most women to separate from their husbands. Nonetheless, these situations have change nowadays.

The equality between men and women in roles are very clear at the moment, thus women can work outside to earn money, while men share the household tasks such as cooking, cleaning, washing as well as caring for children. It can be clearly seen that women are independent from money as they can earn money by them-selves to support their living cost. Therefore, the divorce rates recent rise. Another cause to confirm the recent increase in divorce rates is stress in modern living. Many people have considerable pressures to earn money. It can be obviously seen that the stress has occurred since they were children.

For instance, students generally want to go to famous schools so that they take advantage of well-known universities. Studying in distinguished universities mostly causes having a good opportunity to find a job or earn a lot of money. This circumstance happens in many countries. Some people are laid off from their companies; consequently, the stress occurs in their family, which leads to divorce. Some families can earn money, but insufficient for covering their expenses, therefore it is easy to think about divorce. Nevertheless, the rates of unemployment tend to continually increase as a result the divorce rates also raise.

It is no doubt that the stress in modern living may lead to increasing divorce rates. The final cause of recently increasing divorce is lack of communication. Many people are fairly busy. For this reason, they have inadequate time to talk about the problems with their partners, which produces the likelihood of divorce. Some couples are often quiet when they have problems with each other, as a consequence, little problems can be expanded to become huge problems, resulting in divorce. It is quite clear that the more communications are used, the more divorce rates are reduced.

Although, these three causes of the recent rise in divorce rates are expressed above, there are also two effects of the recent increase of divorce rates: negative effects and positive effects Firstly, the effects of the recent enlargement in divorce rates are negative effects. Most couples normally have children when they get married. Consequently, divorces can have a direct effect on children. Children living in single parent families are more susceptible to get pregnant as teenagers, drop out of high school, abuse drugs and have aggressively emotional and behavioral problems, which lead to social problems.

Some children decide to go out of their home when their parents separate each other; consequently, they become homeless children. They do not have good opportunities to find a job due to shortage of education. Consequently, crime may likely be the end result. These are significantly negative effects of recent increase in divorce rates. Secondly, on the other hand, another effect of the rise in divorce rates positive effects, people who divorce by consent from their partners, want to have better quality of life, since they are unhappy with their spouses.

They not only have more free time to do many things, but also free from their spouses’ mumbles. In addition, divorces also rid the violence of disagreement between husband and wife; hence, everybody in the family gets better in physical and mental health, particularly for children. These are the beneficial effects of increasing divorce rates. In conclusion, a family is one of the important parts of society; therefore, many people had better be aware of the significance of relationships in families. At the moment, divorce has become the substantial problem because of changing women’s roles, stress in modern living and lack of communication.

Nevertheless, there are also the two different ways in effects, which are negative and positive effects. Some couples, which have no children, divorce by consent. Therefore, divorce should be a good solution for couples to deal with this problem. On the other hand, some couples having children in their family whom should think long and hard before they end their marriage in divorce; otherwise, innocent children probably become victims for this situation. Although people tend to think carefully before they get married, the rates of divorce endlessly rise.

H&M Swot custom essay help: custom essay help

Strengths: Weaknesses: Sales in January 2014 increase 15% in local currencies, compared to the same month in the previous year. Clever Care labelling Strong celebrity endorsements Designer Collaborations Clothing recycling scheme Largest consumer of organic cotton Benefits from economies of scale Improved online experience Heavy reliance on EU markets Quality concerns Store experience, sometimes lacking Lack of click and collect Gross Margin Decreasing Does not own any factories Only has transactional website in 9 countries Opportunities: Threats: First store in India in 2013/14

Company opened 356 net stores globally in the year with plans to open a further 375 stores by the end of the coming year. US and China biggest expansion plans in 2014-15 Australia early 2014, Philipines late 2014 South Africa new sourcing hub could be new retail destination also New online markets Sportswear – dresses the Swedish Olympics team in. Winter & Summer Olympics Rising concern for environmental issues and H&M look to be at forefront H&M Home Expansion Independent Mens stores? Flat like-for-likes for the year to 30 November 2013 Rapid expansion causing cash flow issues

Supermarket fashion Target market struggling with finances Increasing labour costs in manufacturing countries Fluctuating raw material costs Continued economic uncertainty in European markets Transparency of suppliers 90% of products transported through Ocean more than 20 country offices responsible for the various departments in each sales country. Outsourced its product manufacturing to approximately 700 independent suppliers across the word for higher efficiency and synergies to cater its customer requirements Political AGAO duty free regulations in Ethiopia

Bangladesh political instability (80% of H&M products manufactured here) Economical Recession & economic uncertainty in Europe Young people having less disposable income Rising labour costs in sourcing countries Youth unemployment rates China apparel sales growth slowing down? Social Rising interest in sustainability, traceability and ethics Worker ethics in foreign countries Consumer reliance on discounting Is ‘Fast Fashion’ becoming boring for consumers Consumers becoming interested in quality Technological Rising popularity of online shopping Multi/Omni channel Environmental

Consumers growing interest in sustainability Waste Reduction Zero Discharge of Hazardous Chemicals Diverse weather conditions Increasing concern over resource availability (e. g. Cotton) Legal Labour laws in foreign countries such as Bangladesh (Bangladesh Accord) Minimum wage increase in Bangladesh THINK ABOUT COMPARED TO FOREVER 21… especially in store experience! Zara is present in all of the BRICS with 46 stores in Brazil, 149 in China, 13 in India, 3 in South Africa and South Africa: New sourcing destination Good tax environments In China, apparel sales through internet retailing more than doubled in share from 3. 4% in 2011 to 7. 4% in 2012. H&M’s affordable positioning is particularly suited for Chinese online retailing, as consumers are attracted to the channel due to its value proposition. It will also provide a more cost-effective means of reaching consumers in lower-tier cities. the global apparel and footwear market grew by 5% in value, according to the latest estimates from Euromonitor International. New Apparel and Footwear Research: What is it Telling Us? Part 1: A Focus on Geographies The Middle East and Africa region has also become a new frontier for growth.

The region’s apparel and footwear sales are set to rise by US$17. 9 billion over 2013-2018. The importance of the Middle East as a travel destination and shopping paradise will continue to sustain the influx of multinational brands into the market. Sub-Saharan Africa’s demographic dividend presents a sizeable opportunity for international apparel brands, but one which remains latent due to a weak retail infrastructure outside of South Africa. At the other end of the spectrum, conditions continued to deteriorate in the region’s largest markets, Germany, France and Italy.

The German market is forecast to contract by US$2. 2 billion over 2013-2018. A key issue in this region has been breaking the cycle of discounting, which has been placing downward pressure on margins. Consumer perceptions of prices have strongly changed following ongoing bleak economic conditions. Latest Research: Apparel and Footwear 2014ed Now LIVE In 2014, one of the main difficulties will be breaking the cycle of discounting and increasing margins. Since the recession, apparel unit prices have decreased 5% globally, having a negative impact on profitability.

Consumer attitudes and perceptions of value will need to shift as people have been trained to expect discounts. Alternatively, “fast fashion fatigue” means more consumers are now paying increased attention to quality and longevity. Key Trends for the Apparel Industry in 2014 Magdalena Kondej Head of Apparel and Footwea Acceleration in m-commerce In particular, 2014 is expected to see an acceleration in m-commerce sales, especially in emerging markets such as India and South Africa, which already generate a higher proportion of sales through mobile devices than some more developed online markets.

As the number of ways and touch points in which to engage with the consumer has increased radically, the challenge for retailers is to create a fully-integrated customer experience which works across multiple channels – in-store, traditional websites, mobile apps and social media. This will be the major focus for brands in 2014. The UK and Germany will be two of the few markets to post positive growth as consumer confidence remains relatively strong. Retail Mix through different channels: Online: Ladies, Kids, Home, Men App: Same as online Store: Most stores stock women, only 2/3 stock home!

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As a second year nursing student, I felt more confident in Simulation Learning Experience (SLE) practicum in that, I could integrate my nursing knowledge, skills, and clinical experience into the practice. In the simulation scenario, I simulated the primary nurse caring for a patient with post-operative complications. I learned about general procedures regarding how to approach a patient with post-operative complications. I learned how to effectively decide which assessments are priority, as well what signs and symptoms posed specific concern in such a scenario.

I thought I had done quite well for some part; however, there was a situation in which I did not act as I should have. Elaborate A female patient with a postoperative left total knee arthroplasty, entered my floor that morning. Before she came in, she had vomited three times. My primary assessments focused on pain and the wound. The patient did not complain of pain, but I found a large amount of blood leaking out of the dressing. After analyzing the current vital signs and the lab results from last shift, blood pressure 90/40 mm/Hg was the main issue, so I decided to call the doctor.

The doctor ordered : “2 NS boluses, 500 cc each and 2 units of PRBC’s and to increase the IV maintenance from 75cc/hr to 125cc/hr. ” I hung up the IV bags and set up the IV pump, then I called the blood bank. After the blood arrived, my partner disconnected the IV line and connected the blood bag to the saline lock. My patient still complained of dizziness, the blood pressure was 90/50mm/Hg. Under that situation, I really did not how to act in this situation. In this scenario, I also paid close attention to the patient’s temperature and assessed the level of the patient consciousness, and so on.

I believe that there were many problems in the scenario that I was unable to address. Analyze I was good at several assessments and interventions in that scenario, which could demonstrate my strength. A patient with a postoperative left total knee arthroplasty required specific assessments. According to Smith (2010), the priority care process should be respiratory and circulatory function, pain, temperature, and surgical site. I focused on pain assessment first, which is very important. Lucas (2008) stated that adequate pain management is essential in that, it can make patients mobilize as soon as possible after surgery.

As cited in Smith (2010), the most effective interventions for pain include both pharmacological and non pharmacological approaches. Another good intervention I did was paid more attention on temperature of the patient. According to Smith (2010), if the core temperature was less than 36? , this could mean that the patient had hypothermia. Hypothermia may compromise immune function and cause postoperative pain, bleeding, and delay drug metabolism resulting in a prolonged hospital stay. If the temperature was higher than 37. 7 ? after the first 48 hours of a surgery, then infection should be considered.

As well I assessed the patient’s level of the consciousness and sensory and motor status, which was an essential assessment, although they may not be prior assessment in this scenario. I also figured out some of my weaknesses in this scenario, which should be noted and improved in the future. For a postoperative patient, assessment should begin with an evaluation of the airway, breathing, and circulation (ABC) status (Smith, 2010). I assessed the airway and carried out suction, then administered oxygen, but I did not do it immediately.

She had vomited three times, keeping the airway patent and administrating oxygen are very important for postoperative care (Smith, 2010). In fact, concerning treatment of hypotension in PACU, should always begin with oxygen therapy to ensure hypo-perfused organs meet the need of oxygen (Smith, 2010). The common cause of hypotension is fluid loss, IV fluid boluses will be given to normalize blood pressure (Smith, 2010), which is the reason why the doctor ordered the IV and blood transfusion. When transfusing blood or blood components, assessment is required before, during, and after the transfusion.

If the client has an intravenous line in place, assess the venipuncture site for signs of infection or infiltration and patency (Jantzen & Molzahn, 2010). In fact, we did not do very well in blood transfusion and we should keep the IV line running and set up another blood transfusion line in the other arm. The scenario was too short, if I had more time, I should assess potential urinary problem and gastrointestinal problem. Kwong, Kistler, Mills, Wildgoose, & Klaskala (2012) stated that venous thromboembolism prophylaxis is also an important intervention nursing care for the postoperative patient.

In a word, I can clearly figure out my strengths and weakness through the Simulation Learning Experience (SLE) practicum. Revise By participating in the scenario of post-operative complications, I realized that health care should be varied with the changing of the patient’s situations. As cited in Alligood & Tomey (2010), Nightingale stated that any nursing process must be strictly followed in accordance with natural rule. The safety of a patient is the most priority (College of Nurse of Ontario, 2002), so it is very important for nurses to apply critical thinking for a nursing process (College of Nurse of Ontario, 2008).

As cited in Alligood & Tomey (2010), Parse noticed that the human is unitary human-living-health and human beings have their own rhythmical patterns of daily life. The intervention of nurses should adapt to the clients’ patterns, and an appropriate nursing process needs to be formed based on the clients’ different medical situations. In this scenario, I assessed the patient following the nursing process of postoperative care, although some of them need to be improved. I deemed the patient in the unitary of human and health environment and adhered to the rhythmical patterns of human being.

I assessed pain, wound and attention on temperature, which demonstrated compliance with the particular nursing care in the postoperative unit. New perspective After the SLE lab practicum, I realized it is important to do more research on new nursing perspectives and techniques. Research will enrich my nursing experience and improve my nursing practice in the future. Furthermore, I need to be aware of the importance of nursing theories and apply them into daily nursing practice, because nursing theories can assist nurses to fulfill their clients’ needs. ?

General election compare and contrast essay help: compare and contrast essay help

In what will be one of India’s most keenly watched Lok Sabha elections, the only declared prime ministerial candidate is pitted against many more hopefuls. With the congress shying away from naming a nominee for the top post although it is not necessary as per Indian constitution. It forms one of the basic necesscity for voters to know who will rule them after election. As the election champaign is heating up every party is pullling all their strings to deliever better music to gather people. Irrespective of who becomes India’s next prime minister, one man has ruled himself out of the race: incumbent Manmohan Singh.

Rise of the 3rd world: On February 25, the third front – comprising seven regional and four left-leaning parties – declared itself an “alternative” to the dominance of India’s two main parties: the incumbent Congress and the opposition BJP. .The third front consists of a number of India’s regional big-hitters: Nitish Kumar (chief minister of Bihar), Jayalalitha (chief minister of Tamil Nadu), Naveen Patnaik (chief minister of Odisha) and H. D. D. Gowda, the 11th prime minister of India. A third front has long been an elusive project, and only once has a non-Congress, non-BJP formation succeeded at the national level.

In 1977 Indians voted in the Janata Dal government in protest against the Congress party for Indira’s Gandhi’s declaration of a draconian national emergency. The few other non-Congress and non-BJP governments that came to office since then have either been supported by, or ultimately fell because of, the two main parties. Hidden ethics of Indian Politics: Coalition building in India has tended to follow a set sequence: all sides wait to see how the electoral cards fall before jostling to forge alliances and form a government.

The audacious declaration of a third front, months before the election, suggests that its members have confidence in the front’s prospects. The Herald of change: As India prepares for the general election, there is a growing sense of a need for a new kind of politics. The BJP presents itself as a bold development-driven alternative to the neo-socialism of Congress, with no clue about Third alternative manifesto and the newly formed AAP’s anti-establishment ethos resonates with those that have become disillusioned by Indian politics and it can be realized that AAP may not swing an election in it’s very first outing.

But, it surely can affect some manifesto. Comman man’s influence: If AAP gets more than 50 seats in Loksabha elections, it will be clear that government can’t be formed without them, and any party which wants AAP’s support can’t buy them the way it does with other parties. AAP will have clear condition of passing at least 2 bills Janlokpal & Swaraj, and both Conress & BJP know after their resignation from Delhi’s government, that AAP will not compromise on this issue, so their is no point of making the promise and not passing it once the government is formed.

If these two bills are passed, those who know about these two concepts know that it will put a check on both big ticket corruption (by Lokpal bill) and lower level corruption (by Swaraj). So, I think this time BJP shouldn’t repeat the same mistake that they did in Delhi by not responding to the letter sent by Kejriwal (in which he sent the agenda on which coalition can be formed) . If this time BJP repeats the same and Congress accepts this condition, it will be BJP’s mistake and not AAP’s fif UPA comes in power. The forecast: The most favourable possible outcomes Assumption: AAP wins more than 50 seats Case 1: NDA + 3 front – THE AVENGERS – Will be equipped and developed to handle Demi-God and aliens too. If BJP wins more than 160 it can climb the seat with a little assistance. Case 2: 3 front + APP – THE JUSTICE LEAGUE What fedration wants but exist only in toon form. Case 3: UPA + APP – THE TRANSFORMERS We will require someone from other universe to save India. Conclusion: The third front’s electoral clout of this cross-country, however, is unclear: though each enjoys powerful support within their own states, whether their collective vote bases will be sufficient for success at the national level is uncertain.

The AAP’s denial of a BJP victory in Delhi – and the possibility of the AAP doing the same in other urban centers – means the BJP’s success at the national level cannot be guaranteed. It will hardly make any difference which party comes in power among Congress & BJP, BJP seems just a bit better than Congress, may be because when it was in power, there was no media to report their corruption the way it does today (thankfully), moreover in states like Gujarat, media is stopped from reporting corruption cases in detail by acts like “Gujarat Lokayukt Act 2013”.

So, unless and until BJP bringing some changes in this regards, they don’t make a difference. I’m okay with little lower GDP, and less land acquired from farmers, than to have a corrupt government. Either way, having AAP a strong power in Indian politics and having control on the government will be a good thing for the democracy of India.

Baron Coburg Case argumentative essay help online: argumentative essay help online

1. Whose financial statements should we prepare (e. g. , the baron, vassals, farms, etc..? ) Solution: The financial statements will be prepared for “Vassals” i. e. for Ivan and Frederick and additionally for “Baron”. 2. What financial statements should we prepare? Solution: The financial statements which should be prepared are as following: ? Income Statement ?Statement of Retained Earnings ?Statement of Cash Flows ?Balance Sheet 3. What period do these statements cover and why (e. g. , year, quarter, month, etc..? ) Solution: The statements will cover two quarters. ?1st Quarter – Summer: When the farmers will grow the wheat.

Quarter – Fall: When the wheat will be harvested. 4. What currency are these financial statements going to use? Solution: The currency used for the financial statements is “Bushels of Wheat”. 5. Who/ What would be the modern day equivalent of the Baron? Solution: Modern day equivalent of Baron would be private equity firms or investors who invest in businesses to gain maximum value for their investments. 6. Who/ What would be the modern day equivalent of the vassals? Solution: Companies, corporations or even managers can be considered as modern day equivalent to vassals. 7. Who/ What would be the modern day equivalent of the ox?

Solution: Non-current assets which is utilized to manufacture or to increase the efficiency of work with a depreciation value can be considered as modern day equivalent of the ox. More precisely, equipment would be a perfect example of modern day ox which has a depreciation value over time. 8. Answer Financial Statements of Ivan: Beginning Balance Sheet for Ivan Ivan Beginning Balance Sheet For the Period Ending Month AA, Year ABCD (In Bushels of Wheat) ASSETS Current Assets Seed20 Fertilizer2 Non-Current Assets Ox40 Land100 Total Assets162 LIABILITIES0 STAKEHOLDER’S EQUITY Baron’s Contributed Capital162

Total Liabilities and Stakeholder’s Equity162 Income Statement for Ivan Ivan Income Statement For the Period Ending Month AA, Year ABCD (In Bushels of Wheat) Revenue Wheat produced243 Operating Expenses Seed Used20 Fertilized Used2 Ox (Value 40 Bushels, 1 Year Depreciation = 4)4 Plow Usage 3 Total Operating Expenses 29 Net Income214 Earnings per share(Net Income / # of Shares; = 214/162 = 1. 32)1. 32 **** Assuming every bushel contributed by Baron is worth 1 share **** Statement of Retained Earnings for Ivan Ivan Statement of Retained Earnings For the Period Ending Month AA, Year ABCD (In Bushels of Wheat) Beginning Balance,

Retained Earnings at the Start of the Period0 Add: Net Income for the period 214 Total214 Less: Dividends or Withdrawals Baron’s withdrawal (20) Total Deductions(20) Ending Balance Retained Earnings at the end of the period194 Cash Flow Statement for Ivan Ivan Statement of Cash Flows For the Period Ending Month AA, Year ABCD (In Bushels of Wheat) Indirect Method Cash Flow from Operations Net Earnings214 Depreciation of Ox4 Plow Usage3 Decrease in Inventory – Fertilizer 2 Net Cash Flow from Operations223 Cash Flow from Investing Activities Plow Purchase0 Net Cash Flow from Investing Activities0 Cash Flow from Financial Activities

Baron Withdrawal (20) Net Cash Flow from Financial Activities(20) Net Increase (Decrease) during the period 203 Balance at the Beginning of the period 20 Balance at the end of the period223 Ending Balance Sheet for Ivan Ivan Ending Balance Sheet For the Period Ending Month AA, Year ABCD (In Bushels of Wheat) ASSETS Current Assets Seed223 Fertilizer0 Non-Current Assets Ox36 Land100 Total Assets359 LIABILITIES A/C payable 3 STAKEHOLDER’S EQUITY Baron’s Contributed Capital162 Retained Earnings194 Total Liabilities and Stakeholder’s Equity359 Financial Statements for Frederick: Starting Balance Sheet for Frederick Frederick

Beginning Balance Sheet For the Period Ending Month AA, Year ABCD (In Bushels of Wheat) ASSETS Current Assets Seed10 Fertilizer1 Non-Current Assets Ox40 Land50 Total Assets101 LIABILITIES0 STAKEHOLDER’S EQUITY Baron’s Contributed Capital101 Total Liabilities and Stakeholder’s Equity101 Income Statement for Frederick Frederick Income Statement For the Period Ending Month AA, Year ABCD (In Bushels of Wheat) Revenue Wheat produced138 Operating Expenses Seed Used10 Fertilized Used1 Ox (Value 40 Bushels, 1 Year Depreciation = 4)4 Plow Usage 1 Total Operating Expenses 16 Net Income122 Earnings per share(Net Income / # of Shares; = 122/101 = 1.21)1. 21 **** Assuming every bushel contributed by Baron is worth 1 share **** Statement of Retained Earnings for Frederick Frederick Statement of Retained Earnings For the Period Ending Month AA, Year ABCD (In Bushels of Wheat) Beginning Balance, Retained Earnings at the Start of the Period0 Add: Net Income for the period 122 Total122 Less: Dividends or Withdrawals Baron’s withdrawal (30) Total Deductions(30) Ending Balance Retained Earnings at the end of the period92 Cash Flow Statement for Frederick Frederick Statement of Cash Flows For the Period Ending Month AA, Year ABCD (In Bushels of Wheat) Indirect Method Cash Flow from Operations

Net Earnings122 Depreciation of Ox4 Plow Usage1 Decrease in Inventory – Fertilizer 1 Net Cash Flow from Operations128 Cash Flow from Investing Activities Plow Purchase (3) Net Cash Flow from Investing Activities(3) Cash Flow from Financial Activities Baron Withdrawal (30) Net Cash Flow from Financial Activities (30) Net Increase (Decrease) during the period 95 Balance at the Beginning of the period 10 Balance at the end of the period 105 Ending Balance Sheet for Frederick Frederick Ending Balance Sheet For the Period Ending Month AA, Year ABCD (In Bushels of Wheat) ASSETS Current Assets Seed105 Fertilizer0 Non-Current Assets Ox36

Total Assets193 LIABILITIES A/C payable to Feyedor for Plow0 STAKEHOLDER’S EQUITY Baron’s Contributed Capital101 Retained Earnings92 Total Liabilities and Stakeholder’s Equity193 I am adding Baron’s Income Statement and Balance Sheet as well. Baron Balance Sheet For the Period Ending Month AA, Year ABCD (In Bushels of Wheat) ASSETS Current Assets Wheat328 Non-Current Assets Ox72 Land150 Plow2 Total Assets552 LIABILITIES A/C payable for Plow3 STAKEHOLDER’S EQUITY Baron’s Contributed Capital263 Retained Earnings286 Total Liabilities and Stakeholder’s Equity552 Baron Income Statement For the Period Ending Month AA, Year ABCD

(In Bushels of Wheat) Revenue Wheat produced381 Operating Expenses Seed Used30 Fertilized Used3 Ox (Value 40 Bushels, 1 Year Depreciation = 4)8 Plow Usage4 Total Operating Expenses45 Net Income336 Earnings per share(Net Income / # of Shares; 336/263)1. 28 **** Assuming every bushel contributed by Baron is worth 1 share **** 9. How should we measure the performance of the vassals in this case? What can we use this information for? Solution: In order to measure performances of the vassals, we can apply financial ratios such as return on assets, return on equity, net profit margin, assets turn-over ratio on the vassals’ financial statements.

These calculations have been completed (see below). The following financial ratios can be utilized to determine and analyze which vassal is more effective, efficient and delivered higher returns to investor i. e. Baron. Debt Ratio = Total Debt / Total Assets Ivan: 3/359 = . 0083565 = 0. 8% Frederick: 0/193 = 0. 00 = 0. 0% Debt Ratio is a ratio that indicates what proportion of debt a company has relative to its assets. According to the above analysis, since Frederick has Debt ratio of 0 because he has no debt, in regards to Debt Ratio he has performed better. Return on Assets = Net Income / Total Assets Ivan: 214/359 = . 596 = 59. 6%

Frederick: 122/193 = . 6321 = 63. 21% Return on Assets Ratio is a ratio that is an indicator of how profitable a company is relative to its total assets. According to the above analysis, Frederick has Return on Assets ratio of 63. 21% as compared to Ivan’s 59. 6% which indicates that his net profit is higher compared to the total assets he had. Profit Margin = Net Income / Sales Ivan: 214/243 = 0. 8806 = 88. 06% Frederick: 122/138 = 0. 8840 = 88. 40% Profit Margin Ratio is a ratio of probability calculated as net income divided by revenues or sales. It measures how much out of every dollar of sales a company actually keeps in earnings.

According to the above analysis, Frederick has slightly higher Profit Margin i. e. 88. 4% compared to 88. 06%, which implies that Frederick has retained higher profits based on his wheat production. Asset Turn-over Ratio = Sales / Average Total Assets Ivan: 243/260. 5 = 0. 9328 = 93. 28% Frederick: 138/147 = 0. 93877 = 93. 88% Asset Turn-over ratio is the amount of sales generated for every dollar’s worth of asset. As given above, it is calculated by dividing sales by average total assets i. e. assets at the beginning of the period and assets at the end of the period divided by 2 to find the average.

As per the above analysis, Frederick has slightly higher Asset Turn-Over ratio therefore it implies that Frederick has generated better bushels of wheat over his average total assets than Ivan. Production of Wheat Per Acre = Wheat Production / Land in Acres Ivan: 243/100 = 2. 43 Frederick: 138/50 = 2. 76 Production of wheat per acre is a ratio being used to find out who has performed or generated more wheat based on the land provided. In this case, Frederick has performed considerably better than Ivan, his production efficiency on the per acre basis is better than Ivan. 10.

Using your answer to the previous question analyze the performance of Ivan and Frederick. Who was the better manager of the two? Solution: Based on the above financial ratios and explanations provided, it can be concluded that Frederick is a better manager than Ivan. Frederick has shown better debt ratio, return on assets, profit margin, asset turn-over ratio and production of wheat per acre which clearly indicates that he has been more efficient than the comparative percentages related to Ivan. 11. How will the answer to question 10 affect our strategy in the future? Solution:

As an investor, in future, to achieve maximum value for the capital investment, it will be more profitable and less perilous to invest more in Fredrick than Ivan. For next season, Baron should give 100 acre of land to Frederick and 50 acre of land to Ivan. It could also have been concluded that since Frederick had been a better manager, Baron should devise a strategy to provide all the material and land to Frederick, but, it will mean putting all the eggs in the same basket which would not be the best strategy to implement, assuming what if Frederick will have a poor season, Baron will lose the opportunity to break-even.

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In Judith Ortiz Cofer’s essay “Volar”, the author describes that both her and her mother dreams of being able to fly. The author portrays the problems faced by many immigrant families, and shows the reason why they want to fly. She also shows her and her mother’s secret desire through their dreams. The author’ obsession with superheroes is her desire to fit in to the culture where she lives. The author shows that she with tight curls and skinny arm and legs is not happy with way she looks. She feels different from people surrounding her.

She dreams that as she turns into super girl her” legs would grow long” (para 1, line 7) her “arms harden into steel”(para 1 line 8) and her” hair would magically go straight and turn a golden hair” (para 1 line 8). Escaping into her dreams, the little girl is trying to avoid a reality of not fitting in her new world. She feels “incongruous” waking up in her body. She wants to fly. The author’s mother is homesick for her country. Her dream is to go back to her country and see her “familia on the Island” (para 2 line 8). She understands that it is financially impossible for her to go back and it hurts her.

She looks out from her kitchen window and has a view of the sky. She wishes to fly to her family and says “Ay,si yo pudeiera volar”- all she could do is wish she could fly. Both of mother and daughter’s dream symbolizes many immigrant families that they are hard to melt in new culture. They all want to fly and to have magic and ability. Their desires shows that they are disappointed in this new society. The only difference between both of their dreams is that the author’s mother’s dream is more realistic than her daughter’s dreams, which is being super girl.

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Hey Pops. I wish we could’ve had one more night out on the town, whistling at cute girls as they walked by. I’m getting married you know; I was going to settle down and fix everything while you were still here. We had so many great memories in that house from when Biff and I were younger, especially when you had that red Chevy. That day when Biff was scoring a touchdown in your honor and we all piled up in the Chevy was one of my favorite memories. A time when things were simpler and we looked to you as a hero.

You’ve always been a hero for all of the dedicated sales trips you made to support the family and pay for the house. At some point after high school, Biff had always seen you in a different way. He felt that he had to separate himself from us. He could never take orders as well after that summer that he visited you in Boston, but we can’t possibly imply that was caused by you. I wish you and Biff didn’t have such different perspectives on work and the success you wanted him to live up to. He had contradicting dreams he wished to fulfill which you could never accept him for.

Biff had always seen me as being the more successful son similar to how you had seen Ben as more accomplished. Maybe this was the reason you had always been tough on him to make something of himself. Ben’s success was mostly based on luck, and you shouldn’t have continued to regret not going with him to Alaska. You had your own way of working and you did an amazing job raising and caring for us. Even Ma was proud of all of your accomplishments, but you didn’t feel that you had done all that much with your life.

The secret to being happy is maintaining low expectations, and you had kept yours too high to keep yourself satisfied with what you had. We were too stubborn to realize that you were a victim of your profession. Driving back from a sales trip in solitude without having made any sales must have eaten away at your conscious. As Charley had stated, “He’s a man way out there in the blue . . . A salesman is got to dream, boy. ” If only we had taken notice of the hardships you went through as a salesman.

You had always been dedicated to the Wagner firm and for them to lay you off after years was completely unjust. I just wish that people had seen how wonderful you were; how humorous and enthusiastic you had also been with us. Regardless of the fact that most believed you were better at carpentry than selling, I believe that being a salesman is not a dead-end job, and I will continue in your path so that I can validate your death and fulfill your dreams. You can finally rest at ease Pops. – Happy Loman

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In the TED presentation “Why We Have Too Few Women Leaders” presenter Sheryl Sandberg describes why women do not reach the top in any profession around the world. She begins the presentation by admitting that the women now are lucky because they did not live in the world our mothers and grandmothers experienced in the past. Shortly after, Sheryl reports some numbers and data to describe the problem clearly. For example, in the U. S. just nine women are head of state, another example is that women in parliament around the world constitute 13%, and about 16% of women are in board seats in the corporate sector.

In short, just 20% of women are in the top profession. Also, she reported study about married senior managers, which showed that two thirds of married men had children, and only one third of the married women had children. Moreover, she tells the story of when she went to New York to pitch a deal and the director did not know where the location of the women’s restroom was because he did not work with any women in his office. Thereafter, Sheryl sent three letters for women who wanted to stay in workforce. The first message was “sit at the table”.

She thinks that women are underestimating their own abilities and do not have self-confidence. Sandberg highlighted that when she was a college student, her brother did not attend classes and did not want to study. On the other side, her roommate studied a lot and attended all her classes, but when they finished the test of their class, her brother said that the test was easy and her roommate was not sure about what she did. So, she says to all women “believe in yourself and negotiate for yourself. Own your own success”. The second message was “make your partner a real partner”.

She thinks that if one woman and man work full time and have children, it means a woman does twice the amount of house work than the man does, and the woman does three times the amount of childcare than the man does. So, she has two to three jobs, and he has one. Sheryl wants women and men to do the same housework and childcare. The third message was “do not leave before you leave”. She thinks that the women are thinking about having a child, and from the moment she starts thinking about having a child, she starts thinking about making room for that child.

Thus, she does not look for a promotion and does not take on the new project. Sheryl wants women to not waste their time on thinking when they will leave. It appears to me from Sandberg’s speech that women are doing a good job in all aspects of work, but they still do not reach the top, or maybe just not in a majority percentage. However, men somehow are not having the choice to contribute fully at workforce or at home. She also talked about the challenges women face during their jobs. These challenges are the reason for their attitude or others’ reflections on them.

I may agree with the point that women are underestimating their ability. Besides, the difficulties they find in appreciating their success are in addition to the fact that they are the negative creatures. Although Sandberg’s speech might be far sensible, I disagree with her in some points. Especially, the three messages that send to women. From my point of view, choices are divided equally between men and women, but the problem is with the personalities. Women are born with a weaker attitude compared to men, which we cannot do anything against it.

The Second disagreement is “making your partner a real partner “ am not totally beyond the idea. However, I think it is clear that the main job for the women is taking care of kids and creating, which is the best job in the world as it’s benefited the society and provide it with need of workers. Beside, it’s known role in raising the living standard and improving the quality of life. What job can be better than that? . And I’m not saying here that women should stay at home, but re-ordering their priorities in life.

Man as well, should help in raising the children, but it’s not a sort of jobs he can succeed in. The best proof to my saying is our dropped communities, it is obvious that women’s having many jobs are affecting badly on the young generation. Whereas, we can see the spread of crimes and many societies issue. Anyway, I really enjoyed the speech and the honesty on it. Sandberg left a very big space for us to think and to share in finding the solution, for a problem that has been made by us.

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The author, Leslie Chang, contends that “the history of a family begins when a person leaves home”. Do you agree or disagree with this statement? Tell why, and then give examples from your own life or from published material outside this book to defend your opinion. I agree with the statement “the history of a family begins when a person leaves home” . when Chang left rural tradition behind to make a new life for themselves in the city.

The old rules no longer apply, traditional education and family values have little or relevance, and new arrivals in the city have to learn fast and adapt quickly in order to survive and prosper in this strange and often hostile new environment. I saw so many changes for people migration to city . when many migrations return to their home villages, they feel bored, listless and alienated . so they bring technology and new ideas to their family and influence them. China is now experiencing the greatest migration in human history, there are so many stories to be told. 2.

Chang informs the reader that migrant factory workers “use a simple term for the move that defines their lives: chuqu, to go out. There was nothing to do at home, so I went out. This is how a migrant story begins”. The story’s two protagonists, Lu Qingmin (Min) and Wu Chunming, both left home to work in the city. What was life like for the girls in their home villages? How old were they when they initially left home, and why did each choose to go out into the world? Min live in the village, around ninety households lived with same family name, they planted rice ,rape and contton on small plots of land.

As a girl in traditional chinese family that she was not important . so she had to bear many burdens. 2003 min left the villige to city. Because they had to or chose to escape their farm lives and to work in a factory. 3: Each girl faced significant challenges upon her arrival in the city, and also faced difficulties in her respective factory. What do you think were the most difficult aspects of their new lives in the city, and which of these aspects would be most difficult for you? some of the young women had no idea what factory work was like before arriving there, imagining it as some sort of chatty, casual environment.

What they discover is, of course, far different, First and foremost is money, both for their own use and equally to send back to their families. The most difficult for me is the cold heart and careless each other in the city. 4: Describe the benefits of leaving home to become a factory girl. Even though their lives seem unstable and full of never-ending challenges, both Min and Chunming mature and develop in exceptional ways from their experiences. How does each girl change—physically, emotionally, intellectually, socially, and financially, as a result of leaving home?

What are the clear advantages of taking control of their own lives in a new city? They trying to find their way in the factory world, to rise up and make something better of their lives. They leave their families for unknown cities far away at age sixteen or younger ( an event made easier because girls are less precious to families than boys) where they then work long hours and live in cramped quarters all the while striving for the edge that will get them off the factory floor and make them upwardly mobile. many migrants also feel freed from a suffocating web of traditional habits and mores.

Able to explore and grow in the lawless free-for-all of China’s boomtowns, many cross an invisible line into the modern world, and there is no going back. 5: Much of this book is about fitting into a foreign culture. Just as the factory girls leave home and are required to adjust to life in a new environment, all expatriate employees share a common history that includes migration. Like the factory girls, employees on global assignments leave their homes and extended families to live in unfamiliar places and cultures.

While employees on global assignments may not face the same economic challenges as the factory girls, what kinds of challenges do global employees face when they take on new assignments? How can global HR professionals prepare global employees for the challenges they will face, and what might global HR professionals do to help deal with cultural challenges faced by people working in new cultures? Discuss specifically what might be done to help counteract separation anxiety, loneliness, homesickness, and other issues that make people feel like strangers in a strange land.

From the book ‘psychological aspects of geographical moves” it explain that “it will be important to establish a consensus on the construct in order to pave the way for the development of assessment tools with adequate psychometric characteristics. homesickness reflects problems with separation from the home environment. It interferes with adjustment to the new situation. By contrast, distress caused by adjustment problems in new environments should not be labeled homesickness. In order to avoid unnecessary ambiguity and confusion (recall the serious problems with the stress concept!), I would like to conclude by calling for attention to problems of definition. I look forward to fruitful discussion and the development of new and promising research plans”. 6: What are the clear advantages of global professional experience and living for awhile as an expatriate citizen? What experiences do people who have had these opportunities take with them into the rest of their lives? Specifically, how might the person’s individual or family history be altered by the decision to leave home and go out into an alien but fascinating world? professionals have experienced overseas assignments know the downside as well. Advantages include, permitting closer control and coordination of international subsidiaries and providing a broader global perspective. Disadvantages include high transfer costs, the possibility of encountering local government restrictions, and possibly creating a problem of adaptability to foreign environments. There are many reasons . one of the reasons probably is Your ancestors’ lousy childhoods or excellent adventures might change your personality, bequeathing anxiety or resilience by altering the epigenetic expressions of genes in the brain. People immigrate to other countries for a number of reasons.

They include: greener pastures in terms of better paying Jobs, Asylum from political and religious persecutions from their countries, family reunions and many more. 7: Even among the factory girls, compassion, kindness, and understanding seem to make a difference in how one comes to view life. Choose one of the girls in the book (it could be any character identified by name) and recount how her life was made easier by others showing her compassion, kindness, or understanding, or how the lack of compassion, kindness, or understanding made life harder for her.

Then, tell about a time in your life when a challenge was lessened by someone showing you compassion, kindness, or understanding. How will this experience of being treated with compassion inform the way you approach your career in global HR? In the book, Lu Qingmin had two true friends when she went to class her friend washed her clothes. When they had friends they live could have fun. Foe example, tipping can be a great way to show people you are grateful for their service. We’ve all committed failures of kindness when we are hurt, angry, or tired.

But each of us holds within us the power to achieve triumphs of kindness every day. In the different countries, HR manager’s compassion could lead them easy to adapt the new environment and lead them success. 8. Min and Chunming have fairly common profiles among the factory girls: both come from poor farming families and left home as teenagers to work in the factories without first having attended high school or college. How does going out to the city change the relationships Min and Chunming have with their families back in their respective villages? How does it change thegirls themselves, their ambitions, and their life expectations? Even they both come from same background, they thought the life different ways and different expectation, these different life attitude led them to have the different way for live. Min had a optimistic life attitude , she had more ambitions and she deserved to learn knowledge , so let her have different life for live 9: Imagine that every factory girl changes in the same ways that Min and Chunming have changed, in terms of family relationships, self-view, ambitions, and life expectations.

What would be the impact on China’s culture, traditions, and economy if every factory girl’s worldview changed to mirror Min’s and Chunming’s? In china many younger have open mind to the world, they are fascinated to learn about how their society is viewed by an outsider. China have changed a lot already, many younger have strong ambitions and work hard. However, it is not enough, the key is not only have passion also the important is get knowledge. The author Chang is offering a very different view to migrant workers in china. Almost 20-30 years migrant have already changed china’s tradition culture and economy.

Chang includes her own family story in the book, juxtaposed with Min’s and Chunming’s. What are the similarities and differences between the Chang family’s story of migration to the US and Min’s and Chunming’s stories of migration from the village to the city? Chuqu is the words represent Chinese people look for better life and freedom even from different generation. In the “factory girls” teen women’s migration from country to factory represents the ambition of the young Chinese people wishing to access greater opportunities that exist in certain parts of the country.

But in Chnag’s family they are more search for freedom life. It had subtle meaning about the hash life in the communist part. 11: Contemplate the role honesty plays in the role of the factory girls’ lives. Chang tells stories of factory girls using forged or stolen identification documents, misrepresenting their qualifications, and indulging in other behaviors that would be considered highly inappropriate for workers in the US and some other cultures. How does the knowledge that such practices seem to be condoned affect how you might develop and manage the HR function of your global employer’s global operation?

As a global HR professional, what policies and procedures might you implement in China to make it more difficult for prospective employees to misrepresent themselves, or would you adopt a laissez faire approach to recruiting and selection in China? In China this is seem normal for the under age people eho have hard life in their hometown, they need to work to get better life or support their younger sister or brother to get education. For the model life especial in the western country people think this is not inappropriate, but for some family this is necessary for life.

As a HR manager work in this situation, even they understand the culture, they still need have the rule to control this misrepresenting, because in the host country, they need carefully obey the law and regulation. They couldn’t act like local businessman. They can make many different ways to prevent this happen. 12: Many of the consumer goods produced by the factory girls are sold in the US, as well as in other industrialized countries. We may be carrying, wearing, or using goods made by the factory girls Chang writes about. Consider the life circumstances of these girls in terms of housing, working conditions, and pay.

How does this affect your attitude towards consumerism, affluence, and your own spending practices? People live in the western country, they use and wear many goods from the country like “factory girls” the life circumstances of these girls in terms of housing, working conditions, and pay. Consumerism still pay hihe price for goods even the cost is cheap because for the globle competition, company require the low cost, the the world, there are so many poor countries, for survive they sacrifice the environment and human resource for get profit or survive for the competition.

Cosumer is hard to know and choice where and how the goods product. Every people work hard for life and try look for cheap goods for family. The world is not equal, people aware are good but to change the world is hard. 13: . At one point, one of the factory girls gives Chang a designer handbag made in the factory where the factory girl works. When Chang suggests that it might be a nice gift for the mother of the factory girl’s boyfriend, the girl informs Chang, “She lives on a farm. What would she do with a purse”?

What do you think this statement says about the opinion this particular factory girl may have of rural village life and the family the girl has left behind? This is true! People live different place they have different need. In china, people live in the rural village , they have their own style and taste, if Chang give this designer handbag to her boyfriend mother, probably the mother of her boyfriend never use, it is better give a useful things and they will proud that instead the handbag that the villiage people don’t know the brand. This is only the people really understand their own culture, they can give a gift by different ways.

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1. Joy, who has completed his first finance course, is unsure whether he should take a course in business analysis and valuation using financial statements since he believes that financial analysis adds little value, given the efficiency of capital markets. Explain to Joy when financial analysis can add value, even if capital markets are efficient. 2. In 2005, Puma was a very profitable sportswear company. Puma did not produce most of the shoes, apparel and accessories that it sold.

Instead the company entered into contracts with independent manufacturers, primarily in Asia. Puma also licensed independent companies throughout the world to design, develop, produce and distribute selected range of products under its brand name. Use the five forces framework and your knowledge of sportswear industry to explain Puma’s high profitability in 2005. BAJAJ AUTO LTD The Bachraj Trading Corporation incorporated in 1945 was renamed as Bajaj Auto Private Limited in 1960. The company manufactures Bajaj brand of scooters, motorcycles and spare parts.

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Traditions tend to make you do what everyone else in your society is doing. Both of the tragic stories “The Lottery”, and “Harrison Bergeron” teach about how society tends to conform to certain traditions or ways of being, no matter how gruesome. Their societies conform to such bizarre traditions, in fear of what might happen to them if they do not comply year after year. These stories have some similarities, but also have many differences, for example, the setting. The setting of “The Lottery” is set in the past, around 1948 in a small village of around 200 people, who are a little more barbaric than nowadays.

The setting of “Harrison Bergeron” takes place around 2080, in Middle America. In both stories, the main character gets punished for going against their society’s way of life, and both die while their families watch. Although people today may think that the people and societies in these stories are doing is crazy, but in reality our societies today do not differ in the sense that we are fighting for equality. But fighting for equality may not be what we should be doing. After all, wouldn’t it be bland and no interesting things going on in the world if we were all the same?

In “The Lottery”, each year, everyone in the village is counted for, and the head of the village makes a blank slip of paper for everyone in the village, except one of the papers has a black dot in the middle of it. They put them all in a box, and the next morning, everyone comes to the meeting point in the village, and all of the men of the houses pull a piece of paper out. The family that draws out the paper with a black dot will have one of their family members stoned to death.

Even though they may not want to run the society this way, they are afraid to change the ways that their ancestors have lived, and by changing their lifestyle will cause even more problems. In “Harrison Bergeron”, anyone that had a talent above or below the average was given a handicap to make them equal to everyone else. Those handicaps would either increase their abilities, or decrease them to the average human’s. They may have not liked the way that they were using handicaps against them, but they did not go against it, because it was making the society equal for the better.

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In 2001, The American Scholar derived an excerpt from a talk given by Margaret Drabble, an English author who stated, “Our desire to conform is greater than our respect for objective facts.” This quote declares that as we tend to ignore our logic sense and morals in order to fulfill society’s needs. The desire to not be distinctive can make us cohere with something we normally wouldn’t agree to. As human beings we fall upon this constantly with smoking illegal substances, treating others with disrespect and the inability of implying our self morals in public.

In the United States, marijuana is known as an illegal substance, yet, it does not stop teens or “adults” from blazing it. In fact, it happens so often now a days that it’s considered to be non-taboo in a variety of places. For example,Tennessee is one of the most corrupted states in the US because of marijuana, still they continue to smoke the illegal substance in order to conform with society. Peer pressure is the blame of this cause, for example, if a young boy who endeavors to be popular and becomes friends with the “in crowd”; he will disregard anything, even if its not right. Conformity and selfish needs defeat logic and morals to obtain popularity.

As student in high school, I have fallen to conformity many times as so have others. For instance, I have been guilt of excluding others because of different styles of wardrobe and personality; yet even though as a child I been taught to “treat people as I want to be treated. ” Conformity is able to intrigue you to do things you never imagined, as I did. However, I ignored my morals to continue “fitting in” or simply out of fear of disagreement and confrontation.

As humans, we have the natural instinct of being afraid of standing up for what we believe it, because others may not concur with us. In elementary school, I experienced the sight of many inferior children getting bullied as myself. Yet, nobody would speak up because we’re all afraid of being targeted or teased for defending the “weak.” Even though we acknowledge the fact that it was wrong, we continued to walk our own separate ways. Many say we are young and care too much for our reputation than our characters, but I believe you don’t have to be young to fall into conformity. Nobody is perfect, adults fall for it as well in order to keep employment, etc. Adults will do anything to maintain job like cheat, lie and steal, which is where conformity fits in.

We work so hard to be accepted into society that we forget on walls and the matter we were raised. In other words, we come form to what society expects of us rather than what our hearts demand of us. Disregarding the objective facts comes so easily when we are faced with complex situations. Most of the times we choose not to do the right thing but the “easiest” thing at the moment.

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Most groups use some form of parliamentary procedure for their meetings. This Factsheet not only briefly explains proper parliamentary procedure for more formal meetings, but also describes acceptable alternatives for decision-making in smaller groups. Rules For Meetings Just as the object of a game gives direction to its players, traditional principles of a democratic meeting guide group members when they gather: 1. Every member has rights equal to every other member. 2. The will of the majority must be carried out. 3. The minority must be heard, and its rights protected.

Only one topic will be considered at a time. In order to play a particular game, certain rules for that game must be followed. “Parliamentary procedure” is a set of rules for meetings which ensures that the traditional principles of equality, harmony and efficiency are kept. Robert’s Rules of Order, the best-known description of standard parliamentary procedure, is used by many different organizations as their rule book for conducting effective meetings. The Problem With Rules The saying “Rules are meant to be broken … ” implies that no rules are perfect.

The parliamentary rules used in government provide guidance for a body of hundreds of people meeting daily for months with a great volume of business to conduct. These same rules are not appropriate for all organizations. How rigid are your meetings? Does too much technical procedure (motions, amendments, seconding, etc. ) get in the way of effective decision-making and total group discussion? Too much formality in a meeting will frustrate and discourage members when the proceedings “bog down”. Parliamentary rules for meetings are intended to help the group conduct its business (fairly and efficiently), not hinder it!

There are many effective ways for a group to conduct its meetings. Technical procedure, however, should be discouraged in the average group meeting. Every organization should examine standard parliamentary rules, then interpret and adapt them to its own use. If group members agree that the rules they’ve developed permit a majority to accomplish the organization’s ultimate purpose within a reasonable period of time, while allowing the minority a reasonable opportunity to express its views, then those rules are appropriate. Rules For Small Group Meetings?

Meeting procedures for committees, executives and most boards can be much different than those for larger gatherings. Certain formalities are unnecessary when the group size is less than about a dozen members. For example: 1. There is no limit to the number of times a member may speak to an issue. 2. It is not necessary to address the chair before speaking. 3. The chair needn’t leave that post in order to speak, make motions or vote. (In fact, he or she may well be the most active participant in discussions and work of the committee. ) 4. Motions need not be seconded. 5. Action can be taken, at times, without the introduction of a motion.

If, however, a small group using these “relaxed” rules discovers that any one of the four basic meeting principles is being abused, then more formal procedures may be reintroduced to the meeting. Parliamentary Procedure At A Glance If your group follows parliamentary procedure “by the book”, the occasional technical question might be asked. 1. What is the proper sequence of steps in having a motion voted on? A motion has nine possible steps: Moved – a proposal from the floor. Seconded – another member feels the proposal is worth discussing. Stated – by the chair or secretary.

Wording is recorded properly and everyone understands the intent of the proposal. Discussed – every speaker addresses the chair and must speak only to the motion. Usually, each member may speak only once to a motion except the mover who has first and last chance to speak. Amended – changing the wording of the motion by: adding or deleting words replacing with different words. – each amendment has the same 9 steps as a motion. Called – after sufficient discussion, either a motion to end debate or a vote is called at the discretion of the chair. Restated – ensures everyone understands what is being voted on.

Voted – chair calls each option: “All in favour? “, “Opposed? ” or “Abstaining? ” Declared – results of the vote are announced by the chair. 2. Can the intent of the main motion be changed by an amendment? Yes; the main motion may be changed, contrary to the intent of its movers. Only two criteria govern the use of an amendment: An amendment may not convert a motion to its direct negative; and An amendment must be pertinent to the topic in the main motion. E. g. , a motion “to purchase a new typewriter for the secretary” may not have “and to pay the expenses of delegates to the annual meeting” added to it.

This amendment clearly has no relationship with the secretary’s need for new equipment. 3. How many amendments can be made to a motion? There are only two kinds of amendments: those pertaining to the proposed motion called “first rank”; and those pertaining to a proposed amendment called “second rank” (amendment to the amendment). Only one amendment of each rank may be on the floor at one time. Any number of amendments may be made to most motions, but no “second rank” amendments may be amended (i. e. , an amendment to the amendment to the amendment is not allowed! ). 4. How can a meeting start without a quorum?

A quorum is the minimum number of eligible voters that must be present at a meeting to conduct business. This number is designated in the by-laws of the organization and for a board is usually half the voting members plus one. If no quorum is present when the advertised hour of the meeting has been reached, then: the presiding officer may dismiss the group (after setting a time for future meeting); or the group may agree to proceed informally with the agenda, awaiting ratification of any decisions at a future meeting; or the group may discuss any items of interest but make no decisions. 5. How can our constitution be amended?

A good constitution contains provisions for amendment, so the structure and procedures can continually meet the changing needs and purposes of the group. Usually, a special committee is appointed to review the group’s objectives, structure, functions, etc. Copies of its report and recommendations are circulated to all members with the required notice and agenda for the meeting (often the organization’s annual meeting). Any amendments proposed during discussion at the meeting require a majority vote for approval, but the motion to amend the constitution needs a two-thirds majority vote for adoption.

Who is the presiding officer at meetings? Often the president is designated in the constitution or by-laws to chair the organization’s meetings. In many groups, however, the chair is assigned to the past-president, special moderator, or to a different person each time on a rotating basis. This allows the president to take a lead in debates on policy rather than maintain a position of “supposed” neutrality which is directly contrary to his or her usual role as spokesperson for the group. 7. After considerable debate, we still are not ready to vote on the motion. What can we do?

A motion to postpone the matter until the next meeting may be in order, so that more information can be gathered. A motion to postpone temporarily (to table) allows a motion to be set aside until later in the meeting, allowing more urgent business to be dealt with, permitting amendments to be drafted, or allowing time for implications of the motion to be checked. A motion to take from the table brings it back before the meeting. The motion may be withdrawn at the request of its mover, but only if no member present objects. 8. What happens when someone yells “Question!

From the floor indicates that he or she wants the motion put to a vote. Only if the chair feels that the motion has had reasonable debate and most members are ready to vote, can he or she call the question (i. e. , “All those in favour? “, etc. ). Another way to close discussion on a motion is for someone to make a motion to call for a vote. This motion must be seconded and requires a two-thirds majority vote in order to proceed with a vote on the motion on the floor. 9. How should a committee report be accepted by an organization?

A motion to “receive” the report means that the organization is not committed to any of the conclusions or recommendations contained in it. (An example of such a report would be the monthly, unaudited treasurer’s report. ) A motion to “adopt” the report in whole or in part commits the organization to some or all of the recommendations of the report, and often implies some action to be taken. 10 Sometimes while one motion is being considered, an alternative motion might be the better one. How can it be presented? 1. The movers request permission from the presiding officer to read out the alternative motion.

The movers of the original motion are asked if they will withdraw their motion, with the unanimous consent of the meeting. 3. If the original motion is withdrawn, then the alternative motion is moved. 4. If the original motion is not withdrawn, then the movers of the alternative motion inform the meeting that their motion will be moved if the original is defeated. They thus urge the members to vote against the original motion. | Top of Page | Consensus: Another Method Of Decision-Making In Groups How many meetings does your group hold in a year to discuss issues or problems?

How much time is spent in each regular meeting making decisions or solving problems? Does the discussion end with a proposal for action? One rule in parliamentary procedure that can hamper a free and easy exchange of ideas is: “Discussion can take place only after a motion is proposed”. In fact, a motion is a proposed course of action, a solution to a problem, or a decision. By focusing the group’s attention on a solution before realizing the scope of the problem, the group may be voting on something that is entirely inappropriate. Is the “cart before the horse”?

A simple method of ensuring an effective group decision is to build a motion through consensus. This method eliminates a complicated amendment procedure after an initial motion has been proposed. It also ensures that a large majority will agree with the motion rather than the mere 51% required by a typical voting procedure. The following process can be used throughout the meeting for every problem the group needs to discuss. Step 1. Describe the issue or problem confronting the group. – State the problem clearly and concisely. If it is complex, then write it out. Step 2.

Gather all information relevant to the problem. – All pertinent facts and ideas about the problem need to be heard in order to make a wise decision. – Distinguish between facts and opinions. A decision can often be made right away. However, action may need to be deferred so that additional information can be gathered. Step 3. List all possible solutions or actions. – Explore alternatives. – Be creative. Use brainstorming techniques to generate new ideas, from every member. Step 4. Choose the best possible solution. – Use a process of elimination; refine and combine parts of your list in step 3.

Reaching consensus is not always easy. Some individuals become frustrated with the time taken for group decision-making. Also, this method relies on the discretion of the chair who eventually decides when a general agreement or common “feeling” has been reached. In some situations, if only extremely vocal and confident individuals dare to challenge the majority view, then the minority opinion is in danger of being suppressed. Using consensus, however, can result in higher quality decisions. The complicated rules of parliamentary procedure are reduced while maximum member participation is encouraged.

In the end, group decisions lead to group action! Conclusion Whichever method your group chooses to make its decisions or conduct its meetings, the four principles of a democratic meeting must be followed. As more formal procedures are adopted, more complicated rules are followed. There is little reason for any one person to attempt to learn every rule of parliamentary procedure. To know where to find the answers is enough. The following references may help answer any questions not addressed in this Factsheet. References Parliamentary Procedure at a Glance. Jones, O. Garfield.

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Objectives 1. To understand the function of the endocrine system 2. To learn about the major endocrine glands, the hormones they produce, and the effects they initiate 3. To familiarize the student with histological identification of various endocrine glands Background The endocrine system consists of cells and tissues that secrete chemical messengers, called hormones, into the blood. The hormones are transported in the blood, via the circulatory system, to target cells.

Once the hormone reaches the target cells and binds to a specific receptor, either on the cell membrane or within the cell cytoplasm or nucleus, it can initiate a response that will facilitate homeostasis in the body. Questions 1. What are some of the major endocrine glands? 2. List the three major categories of hormones. Identify specific hormones within each category. Procedure Using the microscope, examine the indicated endocrine glands. Draw a picture, identify any indicated structures within the gland, and answer the questions in each section.

Total Magnification 1. Identify a pancreatic islet. 2. What major hormone is secreted by the alpha cells? Beta cells? What are the primary effects of each hormone? 3. Describe a pathophysiological condition associated with the pancreas (describe condition, symptoms and treatment). ADRENAL GLAND __________ Total Magnification 1. Identify the adrenal cortex and the adrenal medulla. 2. What major hormones are secreted by the adrenal cortex? Adrenal medulla? What are the primary effects of each hormone?

Describe a pathophysiological condition associated with the adrenal glands (describe condition, symptoms and treatment). THYROID __________ Total Magnification 1. Identify the follicles, the follicular cells, and the colloid. 2. What major hormones are secreted by the thyroid? What are the primary effects of each hormone? 3. Describe a pathophysiological condition associated with the thyroid (describe condition, symptoms, and treatment). PITUITARY GLAND __________ Total Magnification 1.

Identify the anterior pituitary and the posterior pituitary (Hint: the anterior pituitary staining is darker than the staining of the posterior pituitary). 2. What major hormones are secreted by the anterior pituitary? Posterior pituitary? What are the primary effects of each hormone? 3. Describe a pathophysiological condition associated with the pituitary (describe condition, symptoms, and treatment). Review Questions 1. Identify whether peptide/protein hormones are water soluble or lipophilic. How are they transported in the blood?

Where on the cell are the receptors for these hormones located? 2. Identify whether steroid hormones are water soluble or lipophilic. How are they transported in the blood? Where on the cell are the receptors for these hormones located? 3. Distinguish between the mechanism by which peptide/protein hormones exhibit their effects on the target cell and the mechanism by which steroid hormones exhibit their effects on the target cell? 4. Choose a hormone and diagram a negative feedback loop that illustrates how the hormone helps the body to maintain homeostasis.

Locards principle buy essay help: buy essay help

Locard’s principle, the basic principle of forensic science, was formulated by Dr. Edmond Locard. Dr. Edmond Locard believes and states “Every contact leaves a trace”, meaning whatever is touched, left behind or approached will serve as factual evidence against a person and only can that evidence be failed is by the lack of human effort by failing to study and understand it.

The Locard’s exchange principle believes no matter what a criminal does or where a criminal goes, simply by coming in contact with anything, a criminal is capable of leaving many different sorts of criminal evidence for investigators to gather and collect. Having said this, different sorts of evidence can include, fingerprints, footprints, DNA, hair, bodily fluids, skin cells, blood, clothing, fibers, etc.

Though many different types of evidence can be investigated and found at a crime scene, it is extremely common that when a criminal leaves the location in where a crime has been committed, that criminal will most likely take away something such as evidence from the scene with them. Trace evidence is clear and factual physical evidence, which most importantly, cannot lie, be forgotten and be cannot be wrong. As Paul L. Kirk expressed and explains Locard’s exchange principle, Paul L. Kirk states “Trace evidence (physical materials) is a silent witness that speaks when humans cannot”.

An example of Locard’s exchange principle can be viewed as the following, a person enters another person’s home and strangles that person to death. The person who strangled and committed this crime has now most likely left footprints and other evidence at the scene of the crime. When police, detectives, investigators, etc… have located and found that suspect involved this this crime, you find the victims skin cells under the suspects fingernails, the case has now been solved because that criminal has taken away evidence from the scene with them.

The importance of this principle from the perspective of a criminal investigator at different scenes of crimes is because when criminal activity or a crime has been committed, the importance and main goal of a criminal investigator is to document and collect evidence from and at the crime scene and also anyone or anything that has interfered or come in contact with the crime scene.

It is important that a criminal investigator recognizes every possible aspect done or leading up to the event because it is mandatory that criminal investigators have the skill and ability to solve and put together all collections of evidence in order to create and conclude an image of what could have possibly happened. It is extremely important that procedures are done correctly and professionally because evidence collected serves to prove or disprove something, meaning, evidence can determine ones innocents or guilt. Without evidence, there is no proof.

Punk Rock get essay help: get essay help

American exceptionalism is a pivotal concept within the American culture. Stemming from a revolution, this theory shaped a new way of thinking within the United States that seemed far different from many other cultures. Seymour Martin Lipset used this concept to explain, “why the United States is the only industrialized country which does not have a significant socialist movement or Labor party. ” This essentially explains why America is extraordinary.

Punk personifies American exceptionalism with its distinct lifestyle to be different from the norm, and is surrounded by independent self-governing thinkers. The United States didn’t become what it is today because of law abiding and passive citizens. This is also a main reason why Punk Rock became so popular in America, and has stayed relevant to teens and young adults all over the world. People began to thrive on understanding the history of this nation, and take pride in the originality of our constitution, and way of life.

Punk Rock adds another chapter in the long list of independent concepts and ideas within the American Culture. “America marches to a different drummer. Its uniqueness is explained by any or all of a variety of reasons: history, size, geography, political institutions, and culture. ” This type of “American” thinking continues to inspire all kinds of musicians, but more so with the Punk Rock genre than any other. It was defines the core competencies of the bands, as well as that of their followers.

This defining concept of individualism is also why Punk Rock has stayed relevant for all of these years. This country was built off this impression, as well as Punk Rock. It is hard to break down the barrier of individualism, because everyone is so unique, and Punk Rock simply unites and celebrates all different types of unique thinking. Through lyrics from bands such as the Romones, Blink 182, and The Clash, a colossal following came to Punk Rock.

The lyrics almost became anthems to band groupies lives. In “The Shape of Things to Come” by the Romones, they sing “There’s a new sun Risin’ up angry in the sky? And there’s a new voice Sayin’ we’re not afraid to die. ” One could argue that that way of thinking was backbone for what soldiers in the American Revolution stood for, and how the United States became to be what it is today. Of course American exceptionalism has its negative aspects to it that can be looked down upon.

The United States has at times been exceptionally bad, racist, and violent. This cannot be ignored in the conversation of American exceptionalism. Although some of this demonstrates unfair and harsh governing, it shows that the American spirit still have that Punk Rock “drive” in them that fuels and strengthens them. This is also another reason why Punk Rock has, and will always continue to stay relevant in todays American Culture

Profit and Corporate Hurdle Rate college essay help: college essay help

Currently, Teletech Corp. is using a single corporate hurdle rate to evaluate its investment decisions in its products and systems segment as well as its telecommunications segment. Using only one hurdle rate doesn’t take into account the risk that the company faces within each segment. Investors demand higher returns for riskier investments. Victor Yossarian is concerned about the low returns for the high risk in the products and systems segment, this is why he wants to abandon this segment.

Using two hurdle rates adjusts for the risk in each industry allows the company to adequately value each segment. Our analysis will show that by using two hurdle rates it will lower the cost of equity and WACC for the less risky telecommunications segment, while raising the cost of equity and WACC for the more risky products and systems segment. Lastly, our calculation of the economic profitability for each industry using the segmented hurdle rates will show that Teletech may be overvaluing its products and systems segment while undervaluing its telecommunications segment.

This implies that Teletech should reallocate its capital in order to increase economic profitability . Introduction We will conduct an industry comparison analysis to show how the the company’s cost of borrowing and beta compares to its competitors. Next, we will explain why it is more beneficial for the company to use segmented hurdles rates rather than the corporate hurdle rate currently being used. We will then calculate a new hurdle rate and the economic profit for each division. Then, we will explain how capital restructuring can increase our profits for each segment.

Lastly, we will address the concerns with the company’s recent performance and the future direction of the company. Industry Comparable Analysis Prior to any action, we will examine Teletech Corp’s market debt to capital and market debt to equity in comparison with a few selected competitors. In Exhibit One, all three comparable companies have a beta lower than 1. 05, which allows them to raise capital at a lower the cost of equity. However, when you compare market debt to equity, it is lower than the industry average showing that more equity can be issued.

They also have a market debt to capital of 22%, which is below the industry average as well. The mean for this section is 28. 10%, which gives us an idea of where the ratio should be in comparison with Teletechs’ top competitors. Based off industry average, Teletech can increase their margins by becoming more levered. Now we will compare the products and systems segment using the same base of measurement with more focus towards the beta. Displayed on Exhibit One, the mean of the three companies is 1. 30, which is a substantially higher beta than Teletech corporate beta of 1.

It is likely that the company can choose to raise capital from the wrong source; which shows’ when you compare its’ corporate debt to equity of 29% to an industry average of 9. 2%. This leads to the assumption that the capital structure that management has in place is inadequate in terms of risk and reward. Due to several outliers in this segment, we believe the industry average should be a little higher. Our assumption is that the the market debt to equity for the new segmented P&S should be somewhere in between.

This is discussed in the capital restructuring section of this analysis, where we assume a 15% weight of debt to calculate the new WACC. Telecommunication Services In order to calculate the new hurdle rate for the telecommunications segment we first had to calculate the cost of equity using the capital asset pricing model. We used the corporate risk free rate and market risk premium and the average beta for the telecommunications segment to make this calculation. As demonstrated in Exhibit Two, the cost of equity is lower than the corporate rate.

Next, we calculated the WACC using the new cost of equity and the average market value of debt in the telecommunications segment. Exhibit Two shows that the WACC is lowered when using the market value of debt and new cost of equity. This means that shareholders will require a lower return on their investments and will cost the company less while raising equity, and issuing debt at a lower rate than the 9. 3% corporate rate currently being used. The segmented hurdle rates allow for lower cost of debt than the corporate hurdle rate.

Lastly, we calculated the economic profitability using both the corporate hurdle rate and the segmented hurdle rate. Using the corporate hurdle rate, we calculated an economic profit that was negative, which can be shown in Exhibit Three. However, when we use the segmented hurdle rate the economic profitability is positive, which is shown in Exhibit Three. This shows that we are undervaluing the telecommunications segment when we use the corporate hurdle rate. Products and System Segment Our next objective was to determine what was the weighted average cost of capital for the products and systems segment.

First, we needed to calculate the cost of equity for this segment. The risk free rate and risk premium were given to us and we calculated the beta by taking industry averages in the telecommunication equipment industry and the computer and network equipment industry. In Exhibit Four, the calculation can be shown and the result is a cost of equity for this segment of 12. 1%. The next step was to determine the overall weighted average cost of capital for this segment. We were given the after-tax cost of debt, but we had to determine a suitable weight of debt for this segment.

The weight of debt was determined by calculating the average market value of debt to capital in the telecommunications equipment industry and computer and network equipment industry. We determined a suitable weight of debt of 9. 2% and a weight of equity of 90. 8% based off the average market value of debt to capital for the telecommunication equipment firms and computer and network equipment firms. This segment is riskier than the telecommunication services segment, so less debt is issued in this segment.

In Exhibit Four, the calculation for the WACC is shown resulting in 11. 4% cost of capital for this segment. We decided to determine what the economic profitability of this segment was using the new segmented WACC. First, we had to calculate the capital employed in order to correctly figure out the profitability. We were given the return on capital for the segment of 11% and the net operating profit after taxes of $480 million. We calculated the capital employed and by using the newly determined capital employed, we plugged the new hurdle of 11. 4% and the given return on capital into the economic profitability formula. Exhibit Five shows the calculations for both the capital employed and the new economic profitability using the new segmented hurdle rate resulting in an economic profitability of $-17. 41 million. We wanted to do a comparison analysis using the corporate hurdle rate and the segmented hurdle rates for each segment. We used the same capital employed that we calculated above and just plugged in the corporate hurdle rate instead of the segmented hurdle rate.

Exhibit Five shows the calculation using the corporate hurdle rate resulting in economic profitability of $78. 19 million. Capital Restructuring After calculating economic profitability for both the telecommunications services segment and products and systems segment using both the newly calculated segmented hurdle rates and also using the corporate hurdle rate, we decided to do a comparison. Exhibit Six shows the economic profitability for each segment. However, the products and systems segment is still underperforming and has negative economic profitability.

The segmented hurdle rate shows that the capital structure of the firm does not properly allocate the optimal capital that could result in much larger economic profits than using a single corporate hurdle rate. The telecommunications services segment has strong performance and low risk, so we determined that we could issue more debt in this segment and decided a weight of debt of 40% was suitable based on performance and comparable firms. Exhibit Seven shows the new WACC with a 40% weight of debt and 60% weight of equity resulting in a lower WACC then using the 27. 1% industry average debt weight.

The products and systems segment is struggling to make economic profit, but we believe that even with the riskier characteristics of this segment that slightly raising the weight of debt above the industry average was a suitable option. The average weight of debt for the industry was 9. 2%, but this resulted in negative economic profit. So, we decided to push the weight of debt to 15% in order to just make this segment profitable without creating major debt risk. We decided to issue more debt because Teletech is a more diversified company that allows the risk to be separate out between the two segments instead of just one industry.

Exhibit Seven shows the calculation for the products and systems segment using the newly determined weight of debt of 15% and weight of equity of 85% resulting in a factorial decrease in the WACC to 10. 96%. Exhibit Eight shows the new comparison analysis using the new WACC from the capital restructuring and shows that both segments are profitable. Conclusion After determining separate WACCs, we calculated economic profit for each segment discovering that products and systems was underperforming.

Using comparable firms, it was evident that there was an opportunity to issue further debt. With the new debt weight, products and systems segment became profitable without significantly impacting this segment’s debt risk. The new debt structure and positive economic profitability would provide increased value for shareholders including Victor Yossarian. We believe that products and systems segment improves the horizontal diversification of Teletech and allows the debt risk to be more separate out with more segments.

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Throughout the play, Shylock is portrayed as many things, both victim and villain, therefore making him an extremely ambiguous character. On one hand, he is a very villainous character as shown when he declares that he wishes his daughter was ‘…dead at my food, and the jewels in her ear. ’ This quote clearly shows his desire for wealth rather than love or family. On the other hand, Shylock is shown to be a victim when he claims that ‘Suff’rance is the badge of my tribe’ overtly showing that he accepts his place at the bottom of the social hierarchy.

Because of this, despite all of the angles from which he could be viewed as a villain, I strongly believe that he is a victim. He is further illustrated as a villain when he is cursing Antonio behind his back with his speech beginning ‘I hate him for he is a Christian’ when he is claiming that Antonio, because he lends out money freely or ’gratis’, is bringing down the rate that he can charge interest at, thus reducing the profits that he can make.

He also believes that, whether right or wrong, Antonio lends out money this way not as in a sense of loyalty or friendship but rather in a way to improve his public image by showing off his wealth but also that he is a very modest and unassuming man. Furthermore, in this internal monologue Shylock also indicates that he is also a firm believer in prejudges, not so different from those of the Christians when he proclaims to the audience that ‘I hate him for he is a Christian’ which explicitly implies that he would act just as the Christians do I he was in their position.

Obviously, the main passage of play where Shylock is portrayed as a villain is when the bond is first agreed, especially the point when he first suggests that, ‘for a merry sport’, he will forfeit a ‘pound of his fair flesh’ if he does not pay back the three thousand ducats at ‘such a time and such a place’. Despite the fact that this may be seen as sarcasm, or perhaps a ‘spur of the moment’ proclamation, the fact that Shylock later goes and seals this forfeit in a contract.

Of course, this one moment of villainy will come back to haunt Shylock throughout the play, eventually resulting in his forced change in faith, converting from Judaism to Christian. Another interesting moment of Shylock’s clear villainy caused by the creation of this bond is uncovered during the trial scene when Shylock is offered the original sum many times increased but would rather have his worthless pound of flesh, showing yet again how villainous he is.

During the scene from which the above quote is taken, Shylock is further portrayed as a villain when he takes a moment to patronise Antonio by abusing his momentary power by say ‘Hath a dog money? Is it possible a cur can lend 3,000 ducats? ’ Despite the fact that one may say that he is justified as Antonio and Bassanio have in fact called him those exact words; by coming to him to borrow money they are coming to him in a business related manner which should mean that all past experiences are momentarily put behind them so that they can discuss business without prejudice seeping into negotiations.

Whilst one might argue that Shylock would rarely if ever be in apposition of absolute power, abusing that power would make him even more hated within the Christian community. Furthermore, Shylock has the ability to make money from this loan and insulting potential business clients is hardly a good way to start a transaction involving large sums of money. Shylock is also shown to be a villain for the majority of the court case, especially when he says ‘My deeds upon my head!

I crave the law, the penalty and forfeit of my bond’ which shows just how cold hearted he is and how obsessed he is with the acquisition of his pound of flesh, almost like a child at Christmas, pestering his or her parents for their presents. As I have outlined before, this yet again shows how much he would rather have a worthless pound of human flesh instead of 6,000 ducats, a small fortune at the time.

As a final point for the ‘villain’ argument, I am using Jessica’s line of ‘Our house is hell’ which she says to Lancelot just before eloping with Lorenzo. This line just shows how horrible it is to live under the watchful, controlling even abusive eye of Shylock, even for his daughter. Although we are not told this, it can be expected that he was equally controlling through Jessica’s earlier life, resulting in her not having many friends or social interactions with people her own age which would cause her to be difficult and demanding.

Because of this there is an implication that Shylock would have been much harsher than a normal parent would. However, in reference to my second paragraph, one could say that it is perfectly reasonable that he may hate Christians, as the Christians hate him and it is a common moral that you should treat others as one should expect to be treated, thus justifying his hatred. Later in the play, Shylock also makes his ‘To bait fish withal’ speech which reflects his need to be able to treat others as he is treated.

In addition to this, in his ‘I hate him for he is a Christian’ he goes on to say that Antonio, by lending out money ‘gratis’, brings down his interest rate which is very true, and does destroy Shylock’s ability to make large sums of money at a time. So therefore, in reality, this monologue does not show him as a villain but more as a victim as he simply believes in his own human rights to treat others as he would like to be treated.

Furthermore, when Shylock decides on the forfeit of the pound of flesh he isn’t being as unethical as one might immediately think as his lifelong abuse at the hands on Antonio and other Christians in make his life almost not worth living and therefore one could view it as a simple eye for an eye punishment to end Antonio’s profitable and enjoyable life.

Moreover, many Jews would likely have been murdered in 16th century Venice at the hands of Christians simply because of their faith with little or no justice given so yet again this action could be seen as less of a cruel man with murderous intent but more as an action that attempts to right the many wrongs dealt to his people during that era throughout Europe. On the grounds of this it is much easier to see this action as one of a victim rather than that of a villain.

To advance my argument I must now review Shylock’s abuse of power, as mentioned in the fourth paragraph. To me, this is perfectly justified as, to be frank, a dog doesn’t have money and a cur can’t lend 3,000 ducats and as Antonio and Bassanio have treated him as both of these, it is perfectly reasonable that he should find it frustrating that he is only approachable in a human way when the Christians have something to gain from the interaction ahead of them.

I also think that Shylock’s power abuse, whilst some may consider it self-righteous or sanctimonious; I believe that it was actually the right thing to do in the circumstance as Antonio and Bassanio have humiliated him all his adult life and it might not be such a bad thing if they had a ‘taste of their own medicine’ or so to speak. Additionally, with Shylock’s outburst that he would rather have his daughter ‘dead at my foot, and the jewels in her ear’ than just to return alive.

Whilst one could say that this is a very cold hearted thing to say about your own daughter, she has left him with all of his money, all of his precious possessions like rings and suchlike and made him the laughing stock of Venice. As if to add insult to injury, the man that she has eloped with is a Christian, the very people that Shylock despises the most. This Christian in particular is also friends with the very two men, Bassanio and Antonio who are making his life a misery at this very moment and throughout Shylock’s adult life.

I also think that Shylock could have said something like this with such fury as a spur of the moment thing, and doesn’t actually mean it. However, even if Shylock did mean this, I don’t think that it would be as much of a horrific act as it could be interpreted as because his daughter, the only person in the world that he truly loves has left him, almost like a castaway escaping from a desert island and leaving a life-long companion behind.

In addition to this, his daughter’s elopement also caused hi great embarrassment within both Jewish and Christian societies And finally, in response to my fifth paragraph, I see her statement that her house is hell as completely unreasonable as Shylock has spent his entire life balancing his life between being abused on the streets and being abused and hated at home by his daughter despite the fact that all of his actions made towards here will have been, however controlling they may have been, to protect here from the abuse that he receives.

So, in conclusion, I believe that Shylock is more of a victim than a villain. In my opinion, Shylock was fully justified in making all of the decisions that may at first seem like villainous if one simply delves a bit deeper into Shylock’s past and all of the abuse and hardships that he has received. This is further illustrated by Al Pacino’s portrayal of Shylock at the end of the court case when his one bit of ‘good fortune’ is stripped away from him and he is forced to give up everything, both in terms of possessions and the way he lives his life. 1,710 words total.

Kingfisher Beer Company Case Analysis essay help online free: essay help online free

Kingfisher Beer Company (KBC) has enjoyed being in top position in premium beer segment for the past fifty years and is now facing a potentially identity–changing challenge: the traditional premium beer market has been declining due to changes in consumer preferences at a compound annual rate of 4% and KBC for the first time is experiencing a decline in revenue, whilst a change in leadership infuses new energy to bring a change in their product line.

Jake Hope, son of the retired president and owner of KBC faces the challenge of whether to introduce a ‘light’ beer in a growing beer segment, as maintaining status-quo would no more be an option to sustain their existing position in marketplace in the next few years (see Exhibit 2). I recommend that Jake would go for the light beer product venture. The recommendation is based on a complex assessment of the company’s financial viability and of more qualitative reflections.

Even if for the year 2007 (the case is restrictive for only a 2-year horizon quantitative analysis) projected Operating Margin does not reach levels KBC had enjoyed in prior years, it is positive and growing substantially. Growth from $599,734 to $2,205,235 ($1,605,601 in absolute growth) from 2006 to 2007 with introduction of Light Beer versus of decline from $4,015,024 to $3,414,586 ($600,438 in absolute decline).

If KBC will manage to reduce its lost sales of famous Lager (due to market conditions in the premium beer market) from 20% to slightly lower levels then the company could break-even in 2 years (Exhibit 1). From the case’s limited data it is still certain that introducing Light Beer and managing relatively moderate levels of cannibalization (20% or below – Exhibit 3) of the Lager sales opens opportunities to increase the firm’s financials. Moreover, it is essential to capitalize on growing light beer market (4% annually) which also will help fuel possible future expansion or to retain sustainability.

According to market research, targeted segment where light beer drinking segment holds “anti-big-business” values, is already aware of the KBC brand so the firm can leverage on being independent family owned small regional company. In addition, the introduction of a new product will eliminate the risk of being on a single product brand and reduce risk of being in an unfavorable position with regards to distributors who favor more product offerings. On the other hand the introduction of the light beer will affect the brand image, alienate core customers, and squeeze margins.

In addition, it is most likely the Company will not be able to sustain advertising and distribution cost against bigger competitors (high entry barrier, competitors strong presence in light beer market). This will lead also to additional unwanted cannibalization of Lager sales and more uneven relationships with distributors and retailers. My recommendation rests on several assumptions (exhibit). The key assumption is that the KBC will attain the 0. 25 market share to break even in 2007. Another assumption is that the light beer market will sustain its growth and consumer preferences will hold in the nearest future.

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Hospitality management, in hotel and restaurant management, is a very interesting and challenging program, which has become a popular career choice for most of the young generation in this century. This is a diploma program, which provides students the opportunity to become an excellent manager in the hospitality industry. The program is divided into four semesters. The first two semesters focus on basic managerial skills and the hospitality industry. In these semesters, students will learn about mixology – the art or skill of preparing mixed drinks (Graham).

They will also learn food and beverage service theory which is about theoretical components that relate to food and beverage department of hospitality business (“Fanshane college,”). Effective leadership and management courses will train students how to behave and act as a leader in the hospitality environment. Hospitality and tourism careers will introduce students to their careers, show them how hospitality and tourism affects us, and students will also recognize numerous career opportunities available to them.

In the third semester, students will select two of five electives to focus on specific area of their careers: Entrepreneurship, wine appreciation and food pairing, risk management and hospitality law, fundamentals of beer. For the last semester, students will have a chance to practice what they learned in a 14 weeks internship in a real hospitality environment. Hospitality industry is believed to have a bright future. Graduated students will have all the qualifications to seek a job in different areas, such as front office, housekeeping, food and beverage operation, human resources, marketing and sales, hotel and restaurant management.

As the hospitality business environment becomes more and more complex (J. West and Tonarelli-Frey,2008), it will provide many opportunities for students. Due to traveling demand, the number of hotels and resorts has increased in the last few years, which make the hospitality industry full of opportunities (Prasain). The average monthly income for a hotel and restaurant manager in Canada is about 5500 CAD, and for other jobs in hospitality industry like bartender, cook, receptionist, chef, and supervisor of food service is around 1000 CAD to 4000CAD ( “salary explorer”,2012).

Although the hospitality industry has many opportunities, graduated students from the program still need other skills, such as communication, foreign language ability, leadership, strong analytical ability, creativity and a strong work ethic. As foreign language ability is the key element in the hospitality industry, the more languages students can speak, the more advantages they have. For hotel and restaurant manager, students are required to know at least three languages.

Hospitality environment is also one of the most complicated work’s environments as it involves many cultures, many ethnic groups from many countries. Furthermore, it needs very high security control. Hotel managers/staffs need to be extremely careful not only in communication with their guests, but also in making any type of decision, because their hotels may end up as breeding grounds for illegal activities such as narcotics or prostitution. To sum up, the hospitality industry is a developing industry, which offers many opportunities for students. It is also a well-paid job.

In order to be successful in this complex environment, students are required to be determined, independent, self-monitoring and most important of all, have passion for their job. The reason I choose to study and work in this environment is because I’m a hard worker, I always want to keep myself busy, and I love to communicate and meet new people. I know that the hospitality environment is very complex, and the risk that employees may have to face, but I believe in my ability to resolve any problem. Every industry has its own good side and bad side, the most important reason that keeps us not to give up is the passion for our career.

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In this assignment I will be discussing the discrepancy from the Sandwich Blitz scenario that I watched. I will also be discussing how the issue could have been avoided, how the Bureaucratic Control System could be applied, and the steps with the system. There was an issue with the supervisor allowing an employee to report time that wasn’t worked in that specific pay period. By having a control system in place will mitigate many discrepancies that could possibly occur because there would be protocol and disciplinary actions.

The bureaucratic Control system is designed to measure progress toward set performance goals and to apply corrective measures. This is essential in running any business. How can you run a business without structure? With this system there are rules and standards that needs to be followed. This is where the four steps of the control system come into play. Setting performance standards is the first step in the control system. These standards clarify what is to be expected from staff.

In the case of Sandwich Blitz, Dalman and Lei had no standards put in place so the employees didn’t know what was expected of them. This enabled the supervisor to allow a staff member to report hours that were not yet earned. Measuring performance is the second step in the control process. It’s basically developing methods to collect and organize what is going on within the company. This is definitely a step that needs to be taken with Dalman and Lei.

They need to have a sit down and see what is going on with their payroll. See how much damage that had been done thus far. I would suggest that their middle management report submit lower level staff time on a weekly basis so it can be accounted for accordingly. Comparing performance with the standard, in my words is evaluating the standards that were put in place. This step was actually taken in Sandwich Blitz because this is how Lei identified the discrepancy with the unpaid time.

By evaluating employees performance there could be an evaluation for preset standards. Applying this process, Dalman and Lei can see what works for their business and what don’t work for them. The last and fourth step is talking action to correct problems and reinforce successes. The in-text meaning of this is to ensure that operations are adjusted to achieve the planned results or to continue exceeding the plain if the manager determines that is possible.

(Batman&Snell, 2009 P297) In other words it’s stating that once the standards are set and we take corrective action to ensure that the methods and standards are corresponding. In summary, following the bureaucratic control system is needed to regulate. Rules and regulations must be put in place to evade unnecessary issues A business needs a formalized structure such as bureaucracy. Standards are the top of the list for me because once that is in place the blue print of operation is in order. Along with follow up and righting wrong, everything else is smooth sailing.

Amistad Reflection Paper buy essay help: buy essay help

“ Amistad “ Reaction The movie ” Amistad ” was a great movie. while watching this movie in class, the begining of the movie was kind of intense , but then throughtout the next scenes it was kind of boring. The movie made it seem like it was a few white people and blacks against everyone else when that actually was not the case. One thing that should have been included in this three hour movie is the favor that the public of the north had for the Africans. Also, there definitely should’ve been a lot more racism included to show you how black people were viewed and treated as back in those times.

It wasn’t just the triumph of the defense, but more of a monumental win for slaves everywhere in a way that would have you skeptical for more. In this movie we hear many different stories as each character tries to explain why his view is the right one. In the first courtroom scene we hear several different “stories” about what should happen to the Africans. All of those stories assume that the Africans are property; the only question is whose property they are. Interestingly, as “property,” they can not be charged with murder or theft.

One cannot be both property and capable of forming criminal intent. The only issue before the court is where the Africans will go. This movie takes on the basis of two core themes, suffering and survival. The way in which these two are represented can label the film as unique. The opening scenes of the enslaved Africans overrunning the Amistad, killing its crew and taking over sets the tone of the movie , and the people watching it is never allowed to forget the image of the African screaming as he thrusts his sword into one of his former captors.

The enslaved Africans are not represented as supplicants: they have fought for their freedom. These scenes are coupled with representations of the Middle Passage which are often considered to be the most powerful aspect of the film. This distinctive approach to the movie that represents the Atlantic slave trade is also evident in the portrayal of African culture and identity. Sengbe, the lead member of the enslaved Africans, is shown as strong, knowledgeable and surprisingly intelligent.

Rather than turn the story of the Amistad into a celebration of the kindness and generosity of white abolitionists, Sengbe is shown to be the instigator and cause of the freedom which is eventually granted to the enslaved Africans. This was my very first time watching a movie with the storyline like this and after watching and understanding the key points of this movie , i would highly recommend others to watch it.

Ghana, the mixed capitalist college application essay help online: college application essay help online

Gold Coast, now Ghana had his independence in 1957 after a long struggle with our colonial masters, the British by Kwame Nkrumah and others who helped in diverse ways such as “the Big Six” and others. Colonized by the British, Ghana has gone through a lot of systems of governance; Monarchical, autocracy and now democracy. So is with economic systems which go with any form of governance system. Currently there are about four (4) economic systems in the world which are; socialist, capitalist, mixed economy (Socialist and Capitalist) and Islamic economic jurisprudence. The Economic Systems

All these are economic systems and it is defines those who controls and owns the economic resources which forms the “means” in economics. Every economy is measured by the usage of its means and the nature of the “means” owners determines the kind of economic system the country runs. Socialist system of economy is a one that has its resources highly controlled by the central government. E. g. USSR (Russia, Ukraine, Yugoslavia etc), the Capitalist economy is that whose resources is highly owned and controlled by private individuals or a body other than the government. E. g. USA, UK, part of Europe etc.

The Mixed economy is that which combines both the socialist and the capitalist economic systems to run the country’s economy. In that, the central government controls part of the economy whiles the other part is controlled by private participation. Functions of the Economic Systems There are multiple components to economic systems. Their interaction may be coherent or result in instability. Decision-making structures of an economy determine the use of economic inputs (the factors of production), distribution of output, the level of centralization in decision-making, and who makes these decisions.

Decisions might be carried out by industrial councils, by a government agency, or by private owners. Every economic system represents an attempt to solve three fundamental and interdependent problems: What goods and services shall be produced and in what quantities? How shall goods and services be produced? That is, by whom and with what resources and technologies? For whom shall goods and services be produced? That is, who is to enjoy the benefits of the goods and services and how is the total product to be distributed among individuals and groups in the society.

E. g. the current load management by the VRA and the ECG. Thus every economy is a system that allocates resources for exchange, production, distribution and consumption. The system is stabilized through a combination of threat and trust, which are the outcome of institutional arrangements. An economic system possesses the following institutions: Methods of control over the factors or means of production: this may include ownership of, or property rights to, the means of production and therefore may give rise to claims to the proceeds from production.

The means of production may be owned privately, by the state, by those who use them or be held in common. A decision-making system: this determines who is eligible to make decisions over economic activities. Economic agents with decision-making powers can enter into binding contracts with one another. A coordination mechanism: this determines how information is obtained and used in decision-making. The two dominant forms of coordination are planning and markets; planning can be either de-centralized or centralized, and the two coordination mechanisms are not mutually exclusive and often co-exist.

An incentive system: this induces and motivates economic agents to engage in productive activities. It can be based on either material reward (compensation or self-interest) or moral suasion (for instance, social prestige or through a democratic decision-making process that binds those involved). The incentive system may encourage specialization and the division of labour. Organizational form: there are two basic forms of organization: actors and regulators. Economic actors include households, work gangs and production teams, firms, joint-ventures and cartels.

Economically regulative organizations are represented by the state and market authorities; the latter may private or public entities. A distribution system: this allocates the proceeds from productive activity, which is distributed as income among the economic organizations, individuals and groups within society, such as property owners, workers and non-workers, or the state (from taxes). A public choice mechanism for law-making, establishing rules, norms and standards and levying taxes. Usually this is the responsibility of the state but other means of collective decision-making are possible, such as workers’ councils.

The Ghana’s Economy Ghana’s economy is purely a mixed type with the resources sharply divided between the public and private participation. The service sector is highly controlled by the government while the production sector is dominated by private and group participation. Decision making, which determines the direction of the economy and the type system, is done a lot of the times, through consultations with stakeholders of the economy. Example; when the power and water companies wanted to review utility tariffs to a certain percentage, there was a lot of consultations thereby; getting the rate we have now.

Ghana, before the independence was purely capitalist. After independence, the then government focused on turning the economy into a communist/socialist system. They invested so much in agriculture which was the only sector controlled by the government and also reached out to industrialize the economy. Currently, Ghana is well-endowed with natural resources and agriculture accounts for roughly one-quarter of GDP and employs more than half of the workforce, mainly small landholders. The services sector accounts for 50% of GDP. Gold and cocoa production and individual remittances are major sources of foreign exchange.

Oil production at Ghana’s offshore Jubilee field began in mid-December, 2010, and is expected to boost economic growth. Finally, I may agree with the statement but require more facts to completely justify its truth. Ghana is a mixed economy but capitalist oriented on the face assessment value of the various sectors. But can justify, if all percentages of public/private participation of the economic sectors are well defined. This will couple with the clear policy direction of the present governments which has state on record as being social democrats and has manifestoes seeking to provide a lot for the people.

Database and Nouns Major Topics essay help site:edu: essay help site:edu

In Grandfield College, the Software-Tracking database will be used to help in managing the school’s software licensing. The software will be watched for lifecycle and version corrections as well as keeping track of the number of users accessing the software under the constraints of the license agreement. The faculty and staff computers will be followed for which version and licensed copy of software is presently running on each system. Objectives: 1. Have a better system by allowing employees to see the shared calendars and student’s grades.

Advance the tracking of Software Licensing and the Lifecycle of programs. Preliminary timeline: 1. Gathering Data: Meet with School Board and those involved to discuss the needs and wants for a database. 2. Analyzing Data: The information gathered from the meeting will be analyzed and form a rough draft of the database model. 3. Normalization: The database model will be completed and all last minute changes adjusted and any lasting questions answered. 4. Building the physical database: The database model will be constructed into the actual database program. Lab 1. 4 – Challenge Activity 1. There could be more than one Joe Smith entered into the database and info between the two could be confused. Misspelling could occur. 2. The relational database could assign a unique identifier to an entry and any changes to customer info could be managed in one area. 3. The biggest drawback is the chance of a misspelling after the fifth entry (for example) creating a whole new customer data file for an existing entity. 4. I would create at least three tables one for customer info, one for customer payments, and one that shows all payment info.

Invention Essay law essay help: law essay help

During the Industrial Revolution numerous inventions were created in order to solve problems that arose at that time. Also, in this time period one invention created a “ripple-effect” that soon led to the development of another invention. Over time as more and more innovations came about the simpler life became. In our current time period there are a variety of inventions that people use to simplify their lives on a daily basis. Nowadays many of these utilities are taken advantage of. People do not comprehend that without these inventions they would not be able to carry out certain tasks as efficiently as they do now.

Inventions that I believe are the most important in my life are the automobile, eye glasses, and electricity. Without any single one of these inventions my life would be drastically different and exceptionally more difficult. Without an automobile I would not be able to travel from one place to another in a lesser amount of time. Also, if a required something immediately I would not be able to go get it. Moreover, if I were in need of medical services I wouldn’t be able to drive to a hospital in proximity. Eye glasses are essential tool in my life since I have myopia.

I have been wearing eye glasses since I was five years old. Without eye glasses I wouldn’t be able to see anything which in turn would slow down my reflexive abilities as well as lengthen the time I need in order to respond to stimuli. Electricity is the energy supplied in the form of currents to houses or other buildings for heating, lighting, or powering appliances. If electricity was no longer available to me other aspects of my life would also be affected. Losing all or any of these inventions would affect my life and most likely change the way how I function.

Customer profitability narrative essay help: narrative essay help

Pilgrim Bank (A) is a case that analyzes customer profitability in a retail banking setting. It explores a business phenomenon common to the retail banking industry and, within this context, acquaints you with the types of managerial questions that can be made by data analysis. As a recently hired analyst, Alan Green (your group’s role) has data on a sample of customers and must make recommendations about whether the bank should charge fees or offer rebates for use of the online channel. The data consist of customer-level information on demographics, online channel use, and profitability.

The dataset is now available for downloading on our course blackboard website. The first worksheet is “Definition of Variables” and the second worksheet is the dataset. Link to purchase Pilgrim Bank Case: https://cb. hbsp. harvard. edu:443/cbmp/access/25928453 Requirements: Write a business report summarizing your analysis and findings. The report should include the answers to the following assigned questions, which are useful when Alan Green (or your group) meets with Ravi Raman next Monday morning. Remember to support/justify your answers.

How do retail banks make money from their customers? How much variation is there in profit across customers? Based on this, what do you recommend the bank do in terms of matching service levels to customer profit levels? 2. Based on the sample of customer data for 1999, what can you conclude about average customer profitability for pilgrim Bank’s entire customer population? 3. Is the difference in average profitability between online and offline customers in the sample indicative of a meaningful difference in probability across these groups for Pilgrim Bank’s entire customer population?

What role does customer demographics play in analyzing customer profitability for online and offline customers? 1 5. What is your recommendation to the senior management team in terms of Pilgrim Bank’s online channel pricing strategy? Should the bank charge fees, offer rebates, or do nothing in regards to pricing for online channel use? As always, be careful when making recommendations to the senior management team. You should provide enough explanations/justifications with data analysis (statistic tests).

The main text of your report should NOT be longer than SIX pages (double-spaced, 1-1. 5 inch margins, Times New Roman 12 pt font). You can provide some results of your data analysis in appendix which will not count toward the maximum page length. Please have ONE member of your group submit the assignment to both Blackboard and to turnitin. com (course ID: 7434367; enrollment password: winter2014) by Friday April 4 at 11:00pm. Remember to include the group cover page with your submission. Please see information posted on Blackboard for detailed submission instructions.

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