Secured and Unsecured Credit

Credit refers to activities involving the exchange of money, goods or services with a promise to pay in the future. In effect, credit means enjoying something today and paying for it tomorrow. For credit transactions to take place, two parties should be involved: the creditor (the entity or the person who is offering the money, goods, or services on credit), and the debtor (the entity or the person who is availing of the credit accommodation). (Mallor, Barnes, Bowers & Langvardt, 2007) There are two kinds of credit: the unsecured credit and the secured credit. In an unsecured credit, the creditor turns over his or her money, goods, or services to the debtor with only the latter’s promise to pay as a guarantee of collection, relying heavily on the dignity and the capacity to pay of the debtor based on factors like salary and other monies due him/her. Examples of unsecured credit devices are credit cards and the bills for utilities like water, power, and telephone. (Mallor et al., 2007) Unsecured credit presents a higher risk to creditors because of the absence of security or collateral. For this reason, creditors are resorting to thorough checks of the debtor’s credit background to ascertain if he/she is a good credit risk before providing an unsecured credit – meaning that the creditor would want to establish whether the debtor has no past record of defaulting on his/her debts. In addition, the creditor charges a higher interest rate on an unsecured credit.   (Baker, 2005) In a secured credit, the creditor asks the debtor to put up a property like a house or a car to serve as security for the credit transaction. In case of default, or the debtor fails to pay his/her debt, the creditor â€Å"can go against the security.† If the security, for instance, is the debtor’s house, the creditor has the legal right to demand that the house be sold so that he/she can collect what is due him/her. Because the credit is secured, the creditor has a lesser risk. The interest rate on a secured credit is, therefore, comparatively lower than that charged for an unsecured credit. (Mallor et al., 2007) In both cases, the law protects the rights of creditors. In case a debtor fails to meet his/her obligation on a secured credit, the creditor has a right to have the security or collateral sold so that the amount owed can be collected. In an unsecured loan, the creditor can file a suit of garnishment so that he/she could collect the debtor’s salary or whatever money he/she receives from other sources. (Mallor et al., 2007) As it stands, the law governing secured and unsecured credit appears sufficient to safeguard the rights of creditors. It does not need any amendment at the moment. References Baker, A. (2005). Secured Loans vs. Unsecured Loans – Choosing Between the Two Diverse Ends. Retrieved October 22, 2007 from http://ezinearticles.com/?Secured-Loans-vs.-Unsecured-Loans—Choosing-Between-the-Two-Diverse-Ends&id=49173 Mallor, Barnes, Bowers & Langvardt. (2007). Business Law: The Ethical, Global, and E-Commerce Environment, 13th Edition. The McGraw-Hill Companies.   

How to Write a Research Paper Essay

â€Å"This should be sent to a journal† â€Å"Very good work, but I’m not sure why Alan Bundy hasn’t written this? † Anonymous review: â€Å"Clearly the author fails to understands Walsh’s previous work on this topic† †¢ 1st Lesson †¢ Don’t lose heart †¢ Even if you do everything right, reviewing is imperfect Good papers will be rejected But try to learn from your knock-backs! †¢ †¢ Why you? †¢ Academic career †¢ Publish or perish †¢ Have an impact †¢ †¢ Communicate your results Many have not had the impact they deserve for being bad writers †¢ Writing is fun! Outline †¢ How to get your paper rejected. There are many traps even experienced researchers make Myself very much included †¢ †¢ Hints about how to write a paper †¢ Writing is a craft not a science! How to be rejected †¢ Submit over-length †¢ Blind man: send in 7 pages even though the instructions clearly say 5 Once they see quality of work, they’ll be pleased you sent in more material †¢ How to be rejected Submit over-length †¢ †¢ Diplomatic immunity: put extra 2 pages in appendix Appendices clearly don’t count Similarly, bibliography doesn’t count †¢ †¢ How to be rejected †¢ Submit over-length †¢ LaTeX hacker: †¢ †¢ †¢ change from 11 to 9 point font squeeze inter-line space †¦ †¢ No one will ever notice How to be rejected †¢ Submit late †¢ †¢ †¢ Deadlines are meant for everyone else Review schedules have plenty of slack Your paper is worth the wait! How to be rejected †¢ You don’t have room for space wasters like: †¢ Motivation, Background, Related work †¢ Why do review forms always have these on them anyway? How to be rejected †¢ Annoy reader/reviewer †¢ †¢ †¢ †¢ Proof is trivial, when it isn’t Prove the trivial Fail to cite their work Only cite yourself How to be rejected †¢ Annoy reader/reviewer †¢ Don’t bother to spell check †¢ What do computers know about spelling anyway? Use all the old cliches †¢ â€Å"There has been a lot of interest recently in global constraints. † How to be rejected †¢ Annoy reader/reviewer †¢ Be pompous, boring, †¦ †¢ This is science not literature guys, who said it should be fun? †¢ Be overly formal †¢ Theorems and formulas add weight How to be rejected †¢ Annoy reader/reviewer †¢ Make them really work †¢ After all, these are dif? cult concepts and it took you some time †¦ †¢ Ignore reviews †¢ Just keep sending paper in, eventually it will be accepted How to write a paper †¢ Hints about how to write †¢ †¢ †¢ Preparation Writing itself Ethics Preparation. Read, read, read! †¢ To learn how to write, read a lot †¢ I spend over 20% of my time reading †¢ 1 day/week in library Read, Read, Read †¢ Related literature †¢ †¢ †¢ So you can cite it So you don’t re-invent wheels So you know what others think are important research questions Read, Read, Read †¢ Other conference/journal papers where you intend to publish †¢ †¢ So you learn the â€Å"house† style So you can place your work within the bigger picture So you learn how to ask good questions †¢ Read, Read, Read †¢ Any sort of literature †¢ Magazines, novels, biographies, †¦ †¢ Writing is a skill, learn from others †¢ I read approx one novel/week as a way of trying to learn how to write And I have the luxury of writing in my own language! †¢ Review, Review, Review †¢ Review as much as you can †¢ †¢ †¢ So you see good/bad writing So you see the newest results (but see ethics) So you ask yourself good questions †¢ What is the contribution here? What are the weaknesses? †¦ Write, Write, Write †¢ The best preparation to writing is to write †¢ †¢ Writing gets easier the more you do it Writing is easier if you’ve drafted much of what you already need Writing is the best way to organize your thoughts Writing is a good way to record what you have done. †¢ †¢ Writing †¢ Work out the timetable †¢ †¢ †¢ Rushed papers frequently rejected Late papers are almost always rejected If you always write to deadlines, writing will seem more painful than it is Writing †¢ Work out the message †¢ You should be able to convey this in one sentence †¢ â€Å"We propose a new global constraint, provide a ? ltering algorithm and show it useful on some standard benchmarks† Writing †¢ Work out the message †¢ You should be able to convey this in one sentence †¢ â€Å"We identify an important class of symmetry, and show how to break it† †¢ Write to the message! Writing †¢ Distribute the work †¢ †¢ Play to your strengths If you have a native speaker, have them write intro/conclusion †¦ †¢ Write to length †¢ Brutally cut papers are frequently rejected Writing †¢ †¢ Structure paper before you write it I write template for paper with sections and subsection headings ? rst †¢ Intro, Background, Theoretical results, Empirical results, Related work, Conclusions Writing †¢ †¢ Start where you are most happy Often write from the middle outwards †¢ Theoretical results, Experiments, †¦ , Conclusions, Introduction, Abstract Writing †¢ †¢ Rule of Three Say everything 3 times! †¢ †¢ †¢ Introduce idea (introduction) Develop idea (body of paper) Summarize result (conclusions) †¢ But don’t copy verbatim the same text! Title †¢ Make it meaningful and brief †¢ †¢ Don’t make a joke Remember someone reading reference needs to be able to work out likely contents Good: the TSP phase transition Bad: Easy Problems are sometimes Hard †¢ †¢ Abstract †¢ Executive summary †¢ Try for one sentence or so on: †¢ †¢ †¢ †¢ Motivation Method Key result Conclusions Introduction †¢ †¢ †¢ †¢ What is the problem? Why is it interesting? What are your contributions? What is the outline of what you will show? Introduction. †¢ Lure the reader in a with a good ? rst sentence †¢ Bad: There has been a lot of work recently on phase transition behaviour†¦ Good: Global constraints are central to the success of constraint programming†¦ †¢ Background †¢ Often need to set scene †¢ †¢ †¢ De? ne formalism Get reader up to speed Identify research problem Body of Paper †¢ †¢ †¢ †¢ Derive theoretical results Propose new algorithm Describe system engineered †¦ Results †¢ Bullet proof paper †¢ Theoretical results †¢ Experiments only provide a limited view †¢ Experimental results †¢ Theory doesn’t show if results are useful in practice. Related work †¢ Has many purposes †¢ †¢ †¢ You give proper credit to prior work You are not re-inventing wheel You can compare what you do with what has been done before Conclusions †¢ †¢ Remind reader of what you have done Place work in wider context †¢ â€Å"What general lessons might be learnt from this study? † †¢ Flag all the exciting open research directions Acknowledgements †¢ Thank all who have helped you †¢ Provided code, data sets, †¦ †¢ Thank ? nancial sponsors Writing †¢ Keep it simple! †¢ †¢ †¢ †¢ Active, not passive Present, not past or future Long words Short sentences Writing †¢ Avoid temptation to include every result you have †¢ †¢ †¢ Paper needs to be coherent Paper needs to be understandable Many papers are rejected for having too many results! Ethics of Writing †¢ †¢ †¢ †¢ Authorship Citation Submission Publication Authorship †¢ Who should be an author? †¢ Anyone who has made a signi? cant contribution May not have written any text! Always err on the side of caution †¢ †¢ Authorship †¢ Who should be an author? †¢ †¢ †¢ Ask! You’ll be surprised how often people refuse You can be sure they’ll not work with you again if they feel they should be Authorship †¢ Should my advisor be an author? In ? rst few years of thesis, probably yes .. Once you graduate, you should (be able to) write papers on your own Again, ask! †¢ Citation †¢ Cite all relevant work †¢ †¢ †¢ Reviews always ask about Related Work You’ll want them to cite you It’s central to the scienti? c method †¢ We stand on the shoulders of others Citation †¢ Do I cite myself for a blind review? †¢ †¢ †¢ Yes! You must credit all previous work Either cite [Author, 2004] Or write â€Å"As Walsh has shown previously [Walsh 2004] †¦ † Submission †¢ Can I submit to multiple conferences? †¢ What’s the deal with the disclaimer (†This paper is not under review ..†)? †¢ Can I submit to a journal immediately? †¢ †¢ No hard and fast rules My rule, once reviews are back and paper is effectively in press †¦ Publication †¢ Can I publish my conference paper as it is in a journal? †¢ Probably not, even though conference is not archival Most journals ask you to extend conference paper substantially †¢ †¢ Proofs, more experiments, †¦ Final words †¢ It takes time to learn how to write †¢ Don’t be put off if at ? rst your have papers rejected All of us have papers rejected †¢ †¢ Spend time learning how to write †¢ It will be worth the investment.

Audience analysis Research Paper Example | Topics and Well Written Essays - 250 words

Audience analysis - Research Paper Example PSAs that emphasize how people crashed cars under the influence of marijuana, for example, are not only blatant guilt trips likely to turn off teenagers, but in any respect are bad arguments, since many people clearly use marijuana without crashing their cars and in any respect alcohol is legal despite the risk of drunk driving. Children and teenagers in general need to be respected, not coddled: The idea that they are empty vessels just waiting to be filled by whatever comes along is totally absurd. Kids are more like clay: They can be molded to a shape, but they have their own give and push, and someone who thinks it's easy to control their behavior will struggle just as much as someone who doesn't know how to sculpt. My emphasis will be on harm reduction. People who are already smoking pot or are at risk to have far too many factors pushing towards marijuana use for a simple abstinence message to make any sense. Instead, I will talk to kids about why reducing their abuse and facin g up to the source of their problems could make it easier to get a job, make real relationships, find ways of enjoying themselves without smoking, and resolve some of the real issues that might be leading them to use pot as an escape.

360 Degree Performance Morgan Stanley Case Study

360 Degree Performance Morgan Stanley - Case Study Example The problems at Stanley Morgan are associated with the improper assessment of the personnel of the company. The new system that is going to be implemented should resolve a lot of the inefficiency of the old system. I do not think that the problems the company faces are a symptom of a larger problem. An immediate issue that needs to be address is to ensure that the new evaluation system does not promote individualism over teamwork. â€Å"Teams are groups of people who work actively together to achieve a purpose for which they are all accountable† (Schermerhorn, Hunt, Osborn, 2003, pg. 192). The new evaluation system does not have the capability to differentiate between team skills and personal abilities of the workers. Team skills are a valuable ability for an employee to have due to the shift way from individualism in the corporate world. The new strategic direction of Morgan Stanley is geared towards being able to fully access the performance of the employees in order to maximize the capabilities of the workers of the firm. The new system will directly impact over 2,000 employees at Morgan Stanley. Strategic planning is critical to the success of a business because it describes where your company wants to go (Pirraglia, 2012). The morale of the employees is an important factor to monitor at Morgan Stanley. Three ways to improve employee morale are to keep employees feeling like work is more than just a job in an effort to keep enthusiasm high, creatively celebrate accomplishments, and allowing employees the freedom to pursue projects they are passionate about (Erb, 2012). Keeping the morale of the workers at the company high is very important because unmotivated workers with low morale typically are less productive employees. The job performance of the employees of a firm is the responsibility of the managerial staff

CONSTITUTIONAL RIGHTS PAPER Essay Example | Topics and Well Written Essays - 1000 words

CONSTITUTIONAL RIGHTS PAPER - Essay Example regulate US commerce in such a way so as to limit the constitutional implications for employees.2 Kudler Fine Foods’ employees are subject to these limitations, particularly with reference to freedom of speech and protection of privacy. These constitutionally protected rights take on an entirely different complexion within the workplace. In general a company is at liberty to monitor employee telephone calls between an employee and a customer for the purpose of quality control. However, once all the parties to the telephone conversation are located in the State of California, the state law makes it mandatory that the parties are aware either by a beep or tone signals or recorded message that the conversation is being recorded.4 This state law is mandated and indorsed by virtue of the Commerce Clause.5 However, telephone conversations between states are subject to Federal law and monitoring without warning is permissible.6 However, there is a national exception that requires an employer to cease and desist monitoring of a telephone conversation once it becomes clear that the telephone conversation is of a personal nature.7 The only real recourse for Kudler’s employees is to use either mobile telephones and/or payphones in order to protect their privacy in respect of personal telephone calls while on company pre mises. The same policy generally applies to email contents. Typically the law recognizes that computers in the workplace are the property of the employer and that will include the electronic mail system. The right to privacy with respect to email messaging in the work place was addressed by the California Court of Appeal in Bourke v Nissan 1993. In this case the California Court of Appeal ruled that an employee who used his or her employer’s electronic messaging system on the work place did not have a reasonable expectation of privacy and no claim for invasion of privacy could be sustained in the circumstances.8 Moreover, by virtue of the Computer

Oedipus the king Essay Example | Topics and Well Written Essays - 1000 words

Oedipus the king - Essay Example It will also be argued in the essay that on many occasions in the tragedy, Oedipus and other characters make such comments which for them apply to some facts known to them but which in reality apply to a broad range of obscure yet critically important havoc-wreaking facts which they are not familiar with. Also, the status of women in Oedipus Rex or Oedipus the King has been frequently debated among the critics and the growing integration of feminist criticism into critical analysis of drama and theatre reveals that women have nearly always been perpetually portrayed in an inferior way by the authors. Gender discrimination forms a patent factor in many classical masterpieces and almost every time women are shown inferior to men in some way. In ancient Greek times, women had no role because it was thought they had no brains. The Greek tragedy Oedipus the King, likewise, illuminates the inferiority of women to men and shows that inferiority of women to men dates back to 4th century B.C. The literary analysis will also contemplate the extent to which women are portrayed inferiorly in Oedipus Rex. Literary research claims that the repeated use of irony in Oedipus Rex basically highlights the intention of Sophocles to identify how limited human understanding can lead one to appalling and torturous consequences like the ones experienced by Oedipus himself. Irony definitely serves as an important tool for the author to develop a kind of plot which has a very unexpected ending (Woidke). The tale of Oedipus Rex contains many examples of irony like in the case of Oedipus Rex when he in the beginning unknowinlgy commits murder of his father and marries his mother. Later towards the end, he uses needles to gorge his eyes out as all the facts once unknown to him are at last revealed in an extremely tragic way. Irony in the story identifies how sometimes gross misunderstandings are created when people are not fully familiar with all the facts either due to fate or by personal mistake. One striking example of irony in Oedipus the King is evident from the event when Oedipus upon learning from Creon that the city of Thebes was exposed to plague because former King Laius's killer was still alive and the plague would not go away unless the killer be killed or exiled from Thebes, decides to reach Teiresias who is in fact the oracle of God Apollo. Now the irony is that while the audience is familiar with who actually murdered Laius and why the plague persisted in Thebes, Oedipus is sadly ignorant of this blood-curdling reality. This ignorance leads him to Teiresias to investigate into the matters. The dialogue of Teiresias reflects another example of irony. Though he knew the hidden secret of Oedipus’ parentage, he hesitated to voice his verdict in front of the crowd but the king made him speak up forcefully upon which, Teiresias revealed that Oedipus himself was Laius's murderer and his mother Jocasta's second husband. Having listened this, Oedipus got violent and told Teiresias that he was â€Å"blind in mind and ears/as well as in your eyes† to which he replied, â€Å"You are a poor wretch to taunt me with the very insults which everyone will soon heap upon yourself† (Sophocles and Grene). Irony is evident in this exchange of remarks

Student performance objectives Essay Example | Topics and Well Written Essays - 500 words

Student performance objectives - Essay Example Fortunately, I worked so hard to meet this objective. In a nutshell, deductive reasoning is the logical argument that begins from a general point to some specific before making a conclusion. Contrarily, inductive is that which starts from a definite/particular and expands to include other elements of the same nature before making an inclusive conclusion. To make this practical and real, I reviewed several research papers that could provide me with clear, logical arguments. I discovered that research is either deductively or inductively developed. The essence of generalizability makes the research work demonstrate great inductive reasoning. For instance, scientists having performed tests one sample conclude that the whole population from which the sample was obtained bears the same characteristics. I grasped this topic extensively having reviewed several written pieces of literature (Singmann and Klauer, 248-249). Consequently, fallacies and language propaganda are everyday misuses of language. People engage in several cases where they inaccurately generalize other people stereotypically either to serve their self-interest or based on inaccurate information they acquired. A fallacy like ‘all men are the same’ is one of the common language propaganda that should be demystified. Of course all men cannot be the same; men vary in different aspects such as height, complexion, attitude, personality among others. This objective was met by engaging in social interactions to identify some of the common fallacies people make in everyday life and indeed, several were noticed. I was expected to be in a position to utilize the codes of logics that demand an inference should be well supported by both valid and sound propositions to make the validate the argument. This is one thing I did achieve after exploring numerous books and journals especially those

Anishinabe Social Issues Essay Example | Topics and Well Written Essays - 1250 words

Anishinabe Social Issues - Essay Example Being a tribe they had to overcome poverty, discrimination, and invasion and family biases to claim their identity. However, they still face some social issues as a minority in American society and they can be as below. Threat to culture and language – Being an older tribe of Northern America, the community find it difficult to preserve their culture and language. They were people living in natural environment and had spiritual beliefs. Since the invasion of Whites, the Anishinabe culture has been threatened. First they had to leave their homeland and then slowly they had to adapt the culture of Americans. They were alienating from the ancestral cultural beliefs and rituals and slowly became multi – cultural. Now the tribe is one the verge of assimilating to the American culture and losing their identity. Their language, religious beliefs, diet and customs all have changed to a large extend and they face a cultural identity crisis. This tribe is losing all their values and stand nowhere among the American society. Recognition from government - They don’t get the right recognition from the federal government and only some communities are considered as tribes by the government. The American government has not done anything credible to protect this tribe. Many children were removed from their homes for the purpose of education and this dismantled their family structure. Even the land allotment law was not of much help to the tribes. The children were forced to abandon their language and government did nothing to protect them. The tribe still does not have much recognition like other citizens. Anishinabe tribe still faces tension with the state government and country governments. They do not get full recognition from federal government. Anishinabe tribe is considered as a tribe by some state government however some state does not give much recognition to them. The band government formed by the tribes does not get much recognition

Advertising for the Uk Alcoholic Beverages Sector Essay Example for Free

Advertising for the Uk Alcoholic Beverages Sector Essay e Center Im Researching Saved Recents Uploads My Answers Account Products Home Essays Drive Answers Texty About Company Legal Site Map Contact Us Advertise  ©2017 HOME ESSAYS ADVERTISING FOR THE UK Advertising for the Uk Alcoholic Beverages Sector Alcohol, Alcoholic beverage, Drinking culture Mar 2, 2013 1163Words 94Views PAGE 1 OF 4 Essay Title: Advertising for the UK alcoholic beverages sector has gained far stricter guidelines and regulations over the last few decades. Do you agree that the advertising of alcohol should be restricted to such an extent and how far do you believe any governments should be able to control advertising? Introduction In responses to a mass of alcoholic advertisement appears to catering to adults and youth, governments have paid more attention on this, for example, the Government has pledged to introduce a comprehensive alcohol harm-reduction strategy in 2004, which is likely to place restrictions on drinking advertisement which encourage binge drinking among youth. See more: Ethnic groups and racism essay Does all restrictions or guidelines published by governments like this that playing a part in controlling advertising? This essay will mainly concentrate on why such alcoholic advertisements should be restricted; and to what extent should any governments be able to control advertising. Generally, people drinking because they are happy or not, maybe because they get a raise in their salary, or get a rough patch at work, or just enjoy a night out at pub and so on. Mintels exclusive research confirms that the majority of adults, three quarters in the 2003 survey, believe that there is nothing wrong with drinking in moderation, and far more people drink occasionally-and mostly at home-than do so on a regular basis outside the home(Clark, 2003). As for the youth drinking alcohol, most of them just out of curiosity, or bear heavy burden from not only the economy but also the psychology like experiencing a disappointed love affair. In addition, alcoholic advertisement is found to be fancy and attractive for young people, which leave the impression of fun, or cool if they were drinking. According to health expert saying, since ancient times, drinking alcohol in moderation can be beneficial for our health, especially for red wine or beer, drinking a little per day is very good for preventing cardiovascular disease(Locke, 2011). But how about drinking too much? It may become easy for you to become emotional and suffer greatly from more other diseases, like chronic gastritis, alcoholism. Moreover,statistics show that alcohol-related admissions to hospital in England have topped 1m in a year for the first time. In other areas, up to 70% cases sent to the hospital were related to alcohol, and violence, accident and health issues that relating to alcohol are thought to cause thirty thousand premature deaths a year. Meanwhile, prescriptions for treating alcohol abuse have also risen(Meikle). Therefore, drinking too much is harmful for people both in physically and mentally. So how do people know about alcohol, from which channel? Absolutely, media is the main place for alcohol industry spending their money, it is the main channel for people get new information about alcohol, and it is believe that exposure to alcoholic advertisement can increase consumption and influence peoples attitudes towards alcohol especially for young people as they have not formed the correct understanding of it. In order to prevent the large amount of alcoholic advertising appears on media, over the last few decades, governments have set far stricter guidelines and regulations, in spite of this, the following table will disclose another side. Figure1: main alcoholic advertising expenditure on media, 1998-2003* | |? m |Sales ? m | |1998 |219. 7 |28,301 | |1999 |247. 3 |29,808 | |2000 |228. 6 |31,327 | |2001 |210. 2 |32,637 | |2002 |233. 7 |33,942 | |2003* |114. 7 |34,870** | *January to August **estimate Source: Nielsen Media research/Mintel The figure1 shows the advertising expenditure on alcohol, which discovers that during the 1998-2003, although the cost dropped almost half, the percentage of sales did not change a lot, conversely, it roses every year. According to an Kusserow(2001), who works on alcohol controlling revealed that regulations and standards placed on advertising control are almost invalid. Procedures are hard to follow through each department, the viability and effectiveness of huge criteria still have to be established. So Britain wants to balance of economy and health, the duty is not just the governments, and only depending on the polices of government is not far enough, alcoholic and other related-sectors should be self-regulated. On one hand, it is necessary for government to set out a series of limitations on advertising of alcoholic drinks, such as limiting the timing of advertisements on television, ads can be only allowed to display after 10:00pm, trying to avoid youth from it. Meanwhile, prohibiting the liquor company being the sponsor in sport, as Professor Gilmore(2007) said that the limitations should include alcohol sponsorship in sport as the alcohol was being advertised 24 hours a day. Besides,the contents of advertisement should be restricted, images like violence and potential crime should be forbidden as it is easy for young people doing the same things that shows on television. On the other hand, because of the boundedness of governments control, both public and private sectors have responsibilities to help to set out limitations to restrict its promotion and sales through ads. For examples, clubs and music pubs should abolish the unlimited drinking for a certain time only with the fixed money, people who are too young should not be permitted into this occasion. Besides, the price should be increased to reduce the alcohol consumption. In addition, manufacturer should develop a new production line, as an alternative to replace alcohol. Conclusion Now, alcohol has abounded in UKs society, being consumed by both adults and youth, which forms an unbalanced condition between economy and health. The mass advertising appears on television or networks or other channels is the main selling way. Naturally, to control alcoholic advertising is becoming more and more important in UK. But obviously, the actual effects that caused by governments policy is not big, so alcohol-related sector should play an increasing important part in controlling alcoholic advertising, then it must be more powerful and effectiveness. References Brown, K. (2007) National Alcohol Harm Reduction Strategy [WWW] Institute of Alcohol Studies. Available from: http://www. ias. org. uk/resources/nighttime/policy/nahr. html [Accessed 25/08/12] Clark, T. (2003) Drinks market: UK, 2003. [WWW] Mintel Group Ltd. Available from: http://www. mintel. com/drinksmarket [Accessed 18/08/12] Department of HealthHuman Services(2001) Youth and Alcohol. USA: Department of HealthHuman Services. Gilmore, I. (2007) Britains top doctor calls for total ban on alcohol advertising [WWW] Institute of Alcohol Studies. Available from:http://www. ias. org. uk/resources/publications/alcoholalert/alert200701/al200701_p10. html [Accessed 27/08/12] Grube, J. (1971) Main alcoholic advertising expenditure on media [Diagram]. In: Clark, T. (2003). Drinks market: UK. London: Mintel Group Ltd. Locke, T. (2011) Moderate alcohol drinking offers heart disease protection [WWW] Heart disease health centre. Available from:http://www. webmd. boots. com/heart-disease/news/20110222/moderate-alcohol-drinking-offers-heart-disease-protection [Accessed 20/08/12] Meikle, J. (2011) Alcohol-related hospital admissions at record high. Guardian, 26th May, p,1.

Ethics & people Essay Example for Free

Ethics people Essay The question of ethics is particularly important for a person who is both part of society and works with a group. The development of community and collective self is impossible without the struggle of opposing ideas and positions, and the collision of different points of views and opinions through which it is possible to overcome contradictions and disagreements. The relationship within a team works in a â€Å"mirror-system† where members can see their behavior reflected in their interaction with other people. An example of this can be seen when group members introduce themselves to each other. Usually, group members gauge how they will act depending on how the first person introducing will make them feel. If they feel comfortable with the personality of that person, they will also act naturally. However, if they feel threatened or intimidated, they will also exhibit signs of such. Understanding this particular group dynamic is important in maintaining relationships in the workplace. Once members understand this, they start to create their own group values/culture of which good ethics is a foundation. The presence of group ethics and values can lead to the success of a group especially in diffusing conflicts to maintain decorum and maintain work ethic (Green 2006). I want to point out an experience I had in which I acted unethically within a group. This instance happened last semester when I took a class in Entrepreneurship and got into an argument with a groupmate while planning for a project entitled â€Å"Blue Ocean Strategy†. I was trying to convince him that my side was right. I was on the verge of tears that I raised my voice and walked out on him, slamming the door as I left. In retrospect, I realized that I reacted unethically to the situation. Since I was part of a team, my actions disrupted the group and affected our work ethic. But what was I to do? Keep quiet even though I had a good suggestion for the group? Let my idea be discarded without me fighting for it? I have tried to justify my actions as a way for me to assert myself, to make my groupmate realize that I was trying to contribute to the group. This, however, did not change the fact that my outburst affected my groups opinion of me. Now I understand that to act ethically is to act calmly in resolving conflicts. In defending my ideas, I have to be careful to exude confidence calmly and not arrogantly. Being aggressive and arrogant creates a negative feeling within the group. It is also important to choose words carefully when dragged into a conflict. It is even better if I keep my silence even if my groupmate is goading me. I should calm myself and wait for my partner to calm down too before we try and solve the problem. The Chinese philosopher Sun Tzu in his book The Art of War shared that it is best to win without fighting (Tzu 1). Thus, the real winner of any conflict is the one who is able to prevent it from the start. It is an important exercise to weigh factors first before getting into a conflict. â€Å"What have I got to gain? To lose? †, â€Å"Will these actions lead to a solution for the group or for myself? † These are the questions that I will ask myself before I confront any one, not just members of my group. Conflicts will always arise whenever people get together. What is important is how the group will move together to resolve such issues. Even though groups move in different contexts, whether political, social, industrial or domestic, the strategies to conflict management are grounded on one, same idea. We should always act and behave ethically and not let emotions seize our actions. Works Cited Green, Daryl. Understanding Group and Personal Ethics. Nu Leadership Series. 2006. EzineArticles. com. Web. 21 July 2010. http://ezinearticles. com/? Understanding- Group- and-Personal-EthicsNu-Leadership-Seriesid=419973 Tzu, Sun. The Art of War. Trans. Shawn Conners and Lionel Giles. Texas: el Paso Norte

how climate change affects MISC Berhad

how climate change affects MISC Berhad The aim of this report is to identify the effects of climate change towards MISC Berhad. MISC berhad is a company renowned for its shipping services throughout the world. As one of the biggest firms in Malaysia, MISC has a reputation to maintain as not only as one of the longest shipping companies established, but also one of the largest shipping company in the world. Without a doubt, climate is a crucial issue in the present and also the upcoming future. Due to the effects of climate change, mankind itself is at risk to hazardous and even fatal threats. The world has come united to find ways to reduce emissions of developed or developing countries to the minimal as possible, like in the Copenhagen Summit. None the less, Malaysia took minor but meaningful steps like the no plastic bag days in selected states in the country. The four bottom lines were used to evaluate the performance of MISC Berhad. To counter the ever changing needs, MISC Berhad implements economic and financial bottom line, social, environmental and corporate governance bottom line to fill the needs and ensure its survival in the industry. Through group brainstorming, it would be assumed that MISC Berhad would be affected by climate change in various aspects. Pressure from external forces, a decrease in total sales, delay of shipping time, the well-being of employees on board the ship and an increment in cost are problems the company would face through climate change. The problems would be ranked through K.T. Situational Appraisal which would in turn result in knowing the main problem, which in this case is the pressure from external forces. The the duncker diagram, KT Problem Analysis and Decision Analysis was then prepared in accordance to the main problem. As the climate differs from time to time, MISC Berhad would need to prepare itself for the threats faced and ensure that problems would be of minimal impact to the company. MISC Berhad would need to eradicate the pressure from external forces to keep a good reputation in hand. The company would report its status to the stakeholders on a timely basis and make necessary amendments to the company to further enhance its performance. The company should also practice environmental friendly activities within the company and not only reduce its carbon footprint of its operations.The report also further discusses some solutions to the main problem face by MISC berhad, where MISC Berhad should negotiate with the WWF and other environmentalist organizations to reach an applicable and practical solution to the carbon footprint left by the company to mother earth. Table of Contents Topic Introduction 1.1 Bottom lines a. Economic and Financial b. Social c. Environmental d. Corporate Governance Background Issues Problem Statement and Ranking Selection Solutions Rationale Recommendation Conclusion References Appendices 1.0 Introduction The idea of this report is to study how climate change is impacting on MISC Berhad and how MISC Berhad is responding to the changes. MISC Berhad was integrated in 1968 as Malaysia International Shipping Corporation Berhad and is the top international shipping line of Malaysia (MISC Berhad 2010. It is currently the third largest shipping corporation in the world by market capitalization (MISC Berhad 2010). From being merely a shipping line in 1968, MISC has become a fully integrated maritime, offshore floating solutions, heavy engineering and logistics services provider (MISC Berhad 2010). Now, with a modern and well-diversified task force, MISC provides steadfast, safe, well-organized and competitive shipping services both locally and internationally. MISCs vision is to be a global champion in the provision of logistics services and supply chain solutions (2004 MISC Integrated Logistics Sdn Bhd). In addition, its goal is to entirely service its customers global oil transport requirem ents. Lately climate change has taken a first-time turn in the recent past. Global warming has caused climate change due to the increase of average earth temperature in accordance of what is known as the greenhouse effect. As the greenhouse gases accumulate in the atmosphere the Earth gets hotter (Young People Trust for the Environment). In addition to that, Televisions, lights and computers use electricity that is created mainly from burning coal. Every time we switch on a light we are adding to the greenhouse effect (Young People Trust for the Environment). Due to the climate change, protecting the environment in which the ships operate is vital. The company are conducting tests for use of a new hull coating system to reduce emissions that will pollute the environment (Impressions of AET 2009). Oil spill training was organised to aware them of the oil spill awareness. 1.1 Bottom Line a. Economic and Financial MISC berhad reports its companys cash flow and financial statuses through a series of statements which are available in the annual report. The company recorded an operating profit of RM1, 914.4 million from RM2, 585.7 from year of 2008. Data shows that the company suffered a reduction in profit of RM671.3 million which is equivalent to 26% against the profit of year 2008. MISC berhad reports that this loss was mainly caused by the loss in the Integrated Linear Logistics segment (MISC Annual Report 2009). MISC would be affected economically and financially by climate change as MISC is a shipping company and serious weather alterations would greatly impact on shipping schedule and arrival of shipments. Customers of MISC would be in risk of having important deliveries arriving on a delayed period where not only would MISC suffer a loss of profit, but also the customer would be losing valuable resources which are in need. Consumers of MISC`s services would have unsatisfactorily deny usage of the company`s service as due to climate change, consumers would rather use companies of nearer distance or even opt to pay more for on time deliveries. MISC might lose credible customers and thus be reduced of profit to the company. Knowing the risks involved in the climate changes occurring, MISC can opt for the transporting vehicles used to be upgraded to a faster speed to reduce travelling period. MISC can also consider using eco-friendly upgrading to further ensure reduced problems in the future as the transportation used by the company consumes a high capacity of fuel which will in turn harm the environment. b. Corporate Social Responsibility The social bottom line pays concern on the effects of every action taken by a company towards the society welfare (Elkington 2005). CSR is about the interaction of the corporation with the legal and social obligations of the societies in which it operates, and how it accounts for those obligations (WBCFD 2010). MISC had built the youth development which focuses on education that related to their core business and personal development. Moreover, MISC had built a maritime training academy which is known as Akademi Laut Malaysia (ALAM) to ensure that youth have the skilled and competent personnel as well as to stay on course towards becoming a leading maritime nation. Furthermore, MISC also provided sponsorship for students to further their education for both locally or overseas. Consequently, MISC are also caring for their corporate citizen as to create avenue for their personnel. c. Environmental d. Corporate Governance The Board of Directors of MISC Berhad is devoted in ensuring the highest standards of corporate governance are practise throughout the MISC Berhad Group (MISC Berhad Annual Report 2009). The Board fully supports the principles of Corporate Governance as laid down in the Malaysian Code of Corporate Governance. Corporate Governance is the key to achieve competent and high quality shipping operations that delivers quality to customers and stakeholders (MISC Berhad Annual Report 2009). The Board of Directors of public listed companies are required to maintain a sound system of internal control to safeguard shareholders investment and the Groups assets (MISC Berhad Annual Report 2009). Additionally, the company is coping with low global demand and reductions in trade volume (MISC Berhad Annual Report 2009). They will find out new value-added services and realign its business strategies in the non-energy section to improve its position in the coming year (Impressions of AET 2009). The business keeps its shareholders and other stakeholders informed of its decision making process by defining risk parameters and standards guided by the corporate objective (Impressions of AET 2009). This is to maximise long term shareholders value at the same time as meeting the needs of the customers, employees and all related stakeholders. 2.0 Background Issues The main issue discuss by our group is the pressure from the external force followed by less profit generated due to decrease in sales and shipping time delayed. The green organizations are established to give limits and encourage companies to reduce their emissions that can harm the environment. Thus, this is one of the pressures from the external force that can be able to influence the customers perspectives. For example, WWF will notify the company to reduce shipping activities due to the emission of CO2 and if no action is taken, the company would face serious hardship. As the world is working towards saving the environment, there will fewer purchases on petroleum, coal that will harm the environment. If certain companies would want to save the environment and prevent less of climate change that drastic, this will affect MISCs sales too. This will cause a fall in the number of sales. Thirdly, the shipping time to reach its destination might be delayed. The melting of polar ice causes sea level rises which makes more difficult for the ship to harbor. The company might want to be prepared for the extreme and highly variable environmental conditions, principally in the Southern Ocean, for example (Impacts of Climate Change on the Maritime Industry Conference 2008). 3.0 Problem Statement Ranking Solution According to the K.T situational appraisal (Appendix 1), it ranks the problem by their importance (Fogler LeBlanc 2008). In this case, the top ranked issue of climate change that affect MISC is the pressure from external force such as WWF and IMO. According to WWF Malaysia (2010), they recognises that the role of Business and Industry (BI) as catalysts to reduce the CO2 emission and may at best become part of the solution to CO2 reduction. Therefore, this will directly affected the MISC as WWF aims to engage with BI in working towards changing practices as a solution to climate change. For IMO (2009), work on prevention of air pollution and control of greenhouse gas emissions from ship engaged in international trade is their main objective. Secondly, the issue for MISC would be the sales decreased. This is due to the production of petroleum and chemical is the cause of climate changed, thus it will force to reduce the production and directly affected the sales of MISC. Moreover, the third ranked problem is the shipping time delayed as the sea level had increase due to the ice melting in the North Pole lead vessel difficult to anchor safely. The forth ranked issue is the safety of employees as the natural disaster could cause in danger situation during shipping time. Lastly, the fifth ranked problem for MISC is the cost increased as they need to build more advances mechanism for their ships that has clean emission. K.T. Problem Analysis (Appendix 2) is one of the most useful tools in troubleshooting an operation (Fogler LeBlanc 2008). The major problem is the pressure from external force but is not from the internal force. The distinction is the WWF put pressure on MISC as the emission from shipping caused air pollution which is the WWFs concern. The problem occurred globally but not only happened in Malaysia. The reason is the emission of CO2 is not confined by territorial borders but in the atmosphere. The problem occurs when shipping activities are operating on the ocean but not anchor on the harbour. However, shipping activities is the main business for MISC. The extent of the problem is the related to the business field which produce CO2 lead global warming but not the business field that doesnt affect the climate change. The distinction is able to track and control the amount of CO2 that emitted. From the Duncker diagram (Appendix 3), the top problem for MISC is the pressure from external forces. If okay to solve the problem, the solution would be the try to fulfil WWFs concern by reducing the shipping activities. Besides that, it can negotiate with the external force which is to make agreement with the IMO or WWF. Moreover, MISC can change the major transportation from shipping to submarine or airplane. On the other hand, if it is not okay to solve the problem, the solution can be increase the corporate social responsibility by sponsoring for environmental campaign. Furthermore, it also can try to fulfil other stakeholders by providing better service for customers. 4.0 Solutions As the main issues is the pressure from the external force, less profit generated due to decrease in sales and shipping time delayed. The suggested solutions to encounter the pressure from the external force would be trying to fulfill WWFs concern by reducing shipping activities or negotiate with WWF to come out with an agreement. In addition, upgrading the tanker that can reduce the emissions of gas will be another suggested ways. On top of that, to maintain the profit, the company would have to lower the price of the petroleum as it would be less expensive compared to an alternative ways that is less harmful to the environment. Lastly, the company would have to upgrade the tanker engine and set up branch companies in overseas land. This mean they would have the storage there and then, so whenever there is orders nearby it could be deliver as soon as possible. 5.0 Rational Recommendation After deliberation and a further understanding of the company`s needs, our group would recommend MISC Berhad to negotiate and reach a consensus with the IMO. Besides that, MISC Berhad should also put its involvement in caring for the environment as one of its major priorities. Our group also recommends the shipping company to place a larger sum of its revenue into research to reduce the current level of emissions given out by the company`s operations. These steps would aid MISC berhad to have peaceful and good remarks from multiple major environmentalist organizations as the company has taken a huge leap into achieving an eco-friendly company. It would build a reputable name for the company and it would also be seen as a pioneer of shipping companies which took the first steps into reaching an environmental goal. 6.0 Conclusion

OBrien and Fossie in The Things They Carried Essay -- essays research

When many think of a great, memorable story, they will probably remember an inspirational or coming of age novel, or Bildungsroman. In many ways, The Things They Carried is an exemplary Bildungsroman as it carries the reader through the lives and problems of every soldier within its pages. Each man is witnessed as he goes through his own maturation and personal times of struggle and hardships. Some are focused on more than others, but each man has a story to tell, each a moral to teach. Throughout The Things They Carried, both Tim O?Brien and Mark Fossie experience a significant amount of personal maturation by gaining new knowledge about themselves, the Vietnam War, and the world around them. There are very few times when a person goes through an experience that changes the way he or she thinks about themselves. Drastic things like war, deaths, and tragic incidents can change a person?s life and shape the way they live. In ?The Man I Killed,? Tim O?Brien describes his life changing event when he killed the Vietnamese soldier crossing his path when he was on duty. The reader learns that O?Brien is endlessly sorry for the poor soldier, whom he thoroughly describes in his mind. It is the first time he had ever killed, and it is known that O?Brien continues to remember the soldier throughout his entire life, making him change the way he thinks about himself as both a soldier and a human being. Mark Fossie realizes that life, especially his relationship with Mary Anne, is not as simple as he expected when Mary Anne takes a soldierly turn in Vietnam and turns out to not be the girl Mark had wanted to spend the rest of his life with. In most cases, an occurrence that shapes the way one thinks about their current predicament, su... ...ng that nobody wants to know. When his first and only love, Mary Anne, comes all the way from the United States to be with Mark and explore the soldiers? way of life, the girl becomes lost in a Vietnam that she finds so wonderful that she becomes hungry for more. Mary Anne becomes seduced by the Green Berets? way of life and leaves Mark, their love, and her entire life behind her. Only then does Fossie see that the world is a cruel place that can take wrong turns at all the wrong times. By gaining knowledge about themselves, the Vietnam War, and the world around them, O?Brien and Fossie become completely different soldiers. Though these two soldiers see and experience things that they could never imagine, Tim O?Brien and Mark Fossie manage to recognize themselves, the war, and the world for what is really is and undergo an amazing amount of personal maturation.

Safe :: Violence Crimes Safety Papers

Safe He had his hands full, but managed to find his key to the door at the First Year Center at Eastern Michigan University and let himself in. As he opened the door, a nice, well-dressed man came up behind him, holding the door to help him in. They entered the elevator together, and the man explained that he was there to surprise his girlfriend, a resident advisor on the third floor. The student with his arms full of bags nodded; he knew her, she was his R.A. Being a nice person, the man helped the student with all of his bags to his door and then asked a favor of him. He wanted the student to knock on his R.A.s door, because he really wanted to surprise her and wanted to jump out from the side of the door, so as not to be seen through the peephole. The student gladly helped him; he knocked, she answered, and the student started to walk away, letting the man take over. His R.A. gasped, he heard that, but then the door closed, and the student went back to his room happy to help wit h that surprise. Hours passed, and a knock at the door interrupted homework as the student who had long forgot about the man and his R.A. answered his door. It was his friend, who pulled him out in the hall. While pointing down the hall to the University police officers clearly handling the situation, the student was told about how there was an attack. Someone let the man in the building. The man was the R.A.’s ex-boyfriend. He beat her up and left. The surprise - the nice, well-dressed, helpful man; the bags in his hands and the holding of the door after being opened all came back to the student. He was the someone. He let the stranger in. Police reports, hospital visits, and emergency floor meetings followed. Thorough reviews of the University policies for living in residence halls and codes of conduct were all part of the next few days, all with an underlying message for all campus residents: safety (Kinkaid). This situation is just an example of the issues facing college students everyday, and a hard, fast reminder of the very real threat of violence on society.

Providence, Self-Improvement, and Divine Mission: The Qualities of Colonial Literature Essay

Colonial literature from the seventeenth and eighteenth centuries has made a large impact on society today. Literature from both the Puritan era and the Age of Reason contribute to this impact. Puritans were religious separatists who wished to ‘purify’ the Church of England of its catholic heritage. They believed in predestination; the idea that some people were saved and others were damned. The Puritans would scrutinize themselves for signs of grace from God. Following the Puritan era was the Age of Reason. This was a period of scientific and political enlightenment. It stressed the idea that basic truths can be arrived at through reason, not faith. People began to improve their present, worldly life rather than preparing themselves for an afterlife in Heaven. Three qualities of American writing from the Colonial period are the beliefs of providence, self improvement, and divine mission. The belief in God’s providence is a major feature found throughout Colonial literature. God’s providence was the idea that it was in God’s power to control the salvation and damnation of humans. Their destinies were predetermined and they would live their lives looking for signs of grace. Every outcome of an action was considered a sign as God’s providence. They believed God’s intervention in their everyday lives revealed their fate. The belief in providence is predominately seen throughout Puritan writing, one of which being William Bradford’s Of Plymouth Plantation. William Bradford was a Puritan leader who later became the governor of Plymouth Colony. His narrative described the Puritans’ arrival to the New World. He focused on the relationship the Puritans had with God. He mentioned many signs of God’s providence. The first act of providence was on the seaman. There was a strong, able body seaman who always cursed and condemned the poor sick people on the ship, wishing them to be cast overboard. God then intervened and revealed the seaman’s fate. Bradford wrote, † But it pleased God before they came half seas over, to smite this young man with a grievous disease, in which he died in a desperate manner, and so was himself the first that was thrown overboard† (24). God’s providence exposed the seaman’s damnation. His death was a sign that he was not one of The Elect and did not possess the quality of grace. William Bradford’s Of Plymouth Plantation embodies the belief of providence, a characteristic of Colonial literature. Another characteristic of Colonial literature is the idea of self-improvement. This idea is represented in both Puritan and the Age of Reason literature. It is the idea that people need to attain moral perfection. Benjamin Franklin, an autodidact of the Age of Reason, experimented with the idea of self-improvement. He found self-improvement to be a logical idea that every person should experience because it would better themselves and society. In his autobiography, Franklin wrote, â€Å"I concluded, at length, that the mere speculative conviction that it was our interest to be completely virtuous was not sufficient to prevent our slipping, and that the contrary habits must be broken, and good ones acquired and established, before we can have any dependence on a steady, uniform rectitude of conduct† (80). Franklin devised a method to help him become virtuous. He created a list of thirteen virtues and a plan to attain each one. He believed self-improvement was a realistic approach to achieve moral perfection which would develop a better society. The belief in self-improvement is permeated throughout Colonial literature because it was useful to many people. In the Puritan era, moral perfection was essential to get into Heaven and to avoid Hell. In the Age of Reason reaching moral perfection was a reasonable idea that would better society. It secularized the Puritan values making moral perfection a more rational idea rather than religious. The belief in divine mission is also a characteristic of Colonial literature. Divine mission is the idea that America is a divinely guided nation. Americans believe that God is on their side. This idea is common throughout American writing from the seventeenth and eighteenth centuries. The Puritans believed in divine mission and built a pious nation under God. They believed they were â€Å"The Chosen† people of God. In the Age of Reason, this concept continued. Thomas Paine, a radical, revolutionary, pamphleteer expressed the idea of divine mission in his papers, The Crisis. Paine wrote The Crisis papers to boost the morale among the common men and soldiers during the time of the Revolutionary War. He assured a victory against Britain because America was a divinely guided nation. He wrote, â€Å"†¦that God Almighty will not give up a people to military destruction, or leave them unsupportedly to perish, who have so earnestly and so repeatedly sought to avoid the calamities of war, by every decent method which wisdom could intervene† (95). Paine argued that God would help them and not leave them in their time of need. He believed that the idea of divine mission would contribute to a victory over England. Because of God’s celestial powers, the belief in divine mission was widely used throughout Colonial literature. Colonial literature has influenced American history and society. The qualities of writing from the seventeenth and eighteenth centuries have contributed to this impact. The concept of divine mission is exemplified daily in classrooms across America when children stand and recite the Pledge of Allegiance every morning. They all say, â€Å"†¦one nation under God†¦Ã¢â‚¬  Also, the phrase â€Å"In God We Trust† is embossed on American currency and was adopted as our nation’s motto. Even now America is viewed as a divinely guided nation. In addition, self-improvement is exercised in the education system. People try to fulfill their greatest potential by improving their knowledge. The public school system enables all individuals the right to an education that will precipitate to a more successful life. In higher education, scholarships are available to those who excel academically but cannot handle the financial obligation. It is clear that qualities of literature from the Puritan era and the Age of Reason are still relevant in today’s American society.

Broken marriages among Overseas Filipino Workers Essay

One of the major problems that the country faces today is the issue of broken marriages among Overseas Filipino Workers (OFW). One of the major problems of OFWs is the struggle of broken families, these are caused by the feeling of loneliness, and the feeling of freedom from the long distance with their wives or husbands. This may also be caused by a situation that OFWs encounter, which is an active extramarital relationship (Pinoy OFW, 2012). The main problem here is the necessity to work abroad. If this situation is not handled, the consequences not only affect the couple but it greatly affects the child. The parents are most likely to be emotionally, financially troubled, and the worst is being socially stigmatized. (Government of Singapore, 2006). Severe psychological and behavioral problems are two to three times more prone to children with divorced families compared to non-divorced ones, Hetherington’s study (Dowling & Barnes, 2000). The solution to this problem is to de al with the local problems of the country. According to Dr. Clement Camposano (as cited in Susan, 2012) a migration anthropologist and senior instructor of the University of Asia and the Pacific (UA&P). The decision to go abroad is an economic choice, many Filipinos aim to invest to further their goals, professionals are paid poorly locally compared to the income opportunity that are open in different countries. A reason why Filpinos go abroad is the fact that companies locally offer low salary. This local disruption leads to the problem on which families have to be separated and possibly destroy their marriage. There are top reasons why Filipinos work abroad; one of them is the unstable economic situation of the country (Pinoy OFW, 2009).the climate changes, calamities and political demise are some factors that lead the Philippines into an unstable situation (Lopez, 2014). Filipinos are also in the face of struggle for employment in the Philippines, this may be the prevailing cause of why Filipinos go abroad in the first place (Pinoy OFW, 2009). According to the National Statistics Office of the Philippines (NSO, 2014) the Philippine unemployment rate averaged 8.96 since 1994 until present time, the Philippines decreased to 6.70 from 7 in the second quarter of the year. The Philippines has a high uneployment rate. These are only  some of the reasons why Filipinos work from afar from their families. The solution could only be done by the country’s leaders.This paper aims to suggest only an option to solving the crisis, the solution suggested is not the only answer to the phenomenon. A broken family could be prevented by self disciline and devotion to their families (Pinoy OFW, 2012). As said earlier, this solution could only be applied to the leaders. The leaders should aim to fix the problems on a smaller scale, within local bounderies. If the suggestion is to be taken in to action, the issue of broken families could be solved. Filipinos would not have the necessity to go abroad if the opportunities in the country are upright and befitting to the professional attainment of its members. Bibliography Dowling, E., & Barnes, G. G. (2000). Working with children and parents through separation and divorce. houndmills, England: Macmillan Press LTD. Government of Singapore. (2006, November 1). Effects of Divorce. Retrieved October 7, 2014, from Syariahcourt: http://app.syariahcourt.gov.sg/syariah/front-end/abtdivorce_effectsofdivorce_e.aspx Lopez, E. (2014). Unstable growth and political demise. The Manila Times. Philippines, N. S. (2014, September 10). Philippines unemployment rate. Retrieved October 7, 2014, from Trading Economics: http://www.tradingeconomics.com/philippines/unemployment-rate Pinoy OFW. (2009, November 1). 8 reasons why many Filipinos work abroad. Retrieved October 7, 2014, from Pinoy-OFW: http://www.pinoy-ofw.com/news/355-reasons-why-many-filipinos-like-to-work-abroad.html Pinoy OFW. (2012, November 28). 19 common OFW problems, causes, and how to prevent them. Retrieved October 7, 2014, from Pinoy-OFW: http://www.pinoy-ofw.com/news/24177-ofw-problems.html Susan, K. ( 2012). Is it choice or necessity? Philippine daily inquirer.

Case study: Managing Customer Quality Service Essay

There are number of reasons show the difference of LCV between these two stores. First of all, when people go in a shop, they look for what they want, and then the first important consideration comes up from their mind is the PRICE. Price is the amount of money that charged for a product or service. In reality, people like comparing prices on the same brand of product from different shops to find out which one can meet their budget. In the case study, Laura spends more amount of money in the second newsagent each week is probably because of its price is higher than the other one. However, â€Å"Price alone rarely provides a long-term competitive advantage.† (Jacques Horovitz 1990, p.30) This statement emphasises even if a business sells its products at a lower price, but in the long run, the business may still not compete against the other businesses because today’s customers want more psychological needs rather than cheap price, and they are increasingly difficult to satisfy. This statement also leads to the next point. Lastly, the element that goes after price would be QUALITY SERVICE. Nowadays, the quality of service is usually twice as important as price and it has become a major factor in many purchase decisions. For example, one day I went to a coffee shop to buy a cup of coffee, the assistant kept talking on her phone so I stood there for about three minutes and waited, but she still ignored me, therefore I rather went to Gloria Jeans to buy an expensive cup of coffee instead of standing there and wasting my time. â€Å"Service comes from people, not companies.† (Catherine Devrye 2000, p.8) This statement indicated that service only exists in human experience. If we cannot provide quality service to our existing customers, they may hide from their dissatisfaction with service; but if customers dissatisfied with their first experience are almost always lost customers. So, Laura prefers to go to the second newsagent which may cost more but she paid for what she wanted and it is worth because she can have Chris’s friendly smile and kindly greeting. Thus, the difference in price and the level of service quality in business can lead to a difference in LCV of each store. Q2) How would you rate the level of service provided by the two newsagents? Why?I would give two out of 5 of the service provided by the first newsagent  because in the article it says † The owner never appears to recognise her.†, which indicates that the owner has no interaction or communication with customers and this also shows that he does not concentrate on the service he should provide. Despite, the store has a large range of goods and is well laid out and clean, but the owner doesn’t treasure this as an opportunity to attract more new customers. On the contrary, he provides bad service or even no service to customers which may due to people start leaving his business and work for his competitors. For the new newsagent, I would rate four out of 5 to the service it provides to its customers because the owner, Chris, greeted Laura with a smile and asked if she needs any help. This is a good example of good quality service. â€Å"Service goes beyond friendliness or kindness.† (Jacques Horovitz 1990, p.3) So, by asking questions and listening carefully to the answers can make customers feel that they are not by themselves, they got someone to look after and finally they enjoy going in there. Moreover, Chris understands the concept of treating customers as long-term appreciating asset, will help to build image and trust of her store and hence to attract more new customers and increase their loyalty. Q3) Although Laura shopped at the first newsagent regularly, was she loyal? Do you think the first newsagent confused â€Å"satisfaction† or even â€Å"nowhere else to go† with loyalty? Why is this dangerous for a business? How would you advise the first newsagent to proceed if she is to retain her customer base? In your answer, include a discussion on meeting the psychological needs of customers. Although Laura shopped at the first newsagent regularly but she was not loyal to the business. I think the first newsagent confused the concept of both â€Å"satisfaction† and â€Å"nowhere else to go† with loyalty. Satisfaction is a form of attitude that contributes to customers. â€Å"Customer satisfaction is the ultimate objective of every business: not to supply, not to sell, not to service, but to  satisfy the needs that drive customers to do business.† (Mack Hanan / Peter Karp 1991, xi) Every business needs to generate some level of customer satisfaction in order to increase loyalty. Otherwise, no satisfied customers, it would have no business. Unlike satisfaction, â€Å"loyalty can be defined in term of buying behaviour.† (Jill Griffin 1995, p.31) A loyal customer is the one who makes regular repeat purchases, has a specific bias about what and who to from and generates â€Å"word-of-mouth†. It is dangerous for a business because the owner who might assume the customers keep coming back because he satisfied their wants and they are loyal, but in fact they are nowhere else to go. Besides, if a new and the same type of business opens in the same area, it can be a disaster, new challenge and obstacle to the existing business because people always like to try new things and new businesses always generate attractive promotions to attract new customers such as discounts, join member for free or free gift etc. As a result, it can cause the existing business starts losing its regular customers because of poor customer service or higher price in products. Eventually it leads to a loss in sales and profits, reputation and cost a lot of time to reform and attract new customers. There are many ways to retain customer base in the first newsagent. Firstly, there is a simple way to learn about customer satisfaction in your business which is to conduct a satisfaction survey. A satisfaction survey is an important tool for business to collect customers’ opinions and points of view, and it also gives the insight of what most customers want and expect. Therefore, the questions in the survey need to focus on the various aspects of quality and customer service. Once the survey results are collected, it is necessary to analyse and identify each one of them and finally applies to the newsagent where it is necessary,Secondly, the owner in the first newsagent needs to generate more interactions with her customers because talking to your customers is a good chance to build up their loyalty and understand more about their wants. â€Å"Customers are not loyal to products.†Ã‚  (Mack Hanan / Peter Karp 1991, p.155) Customers are loyal to your service. If you can provide good quality service and satisfy their wants, they can become your loyal customers. Meanwhile, the owner needs to meet customer’s psychological needs such as to greet customers with a smile on your face and ask if they need any help in particular, because some people are scared or shy to ask questions. So that, by asking questions and listening carefully to the answers would make customers feel you understand what they ask for, and you are looking after them in order to satisfy their wants. Lastly, the owner should search for some special touches with her customers regularly such as discounts, longer working hours, join member for free or free gifts. That will help the business to stand out from the crowd because customers always want you to take an extra step to please them. Thus, by conducting a satisfaction survey, meeting customer’s psychological needs and providing special touches with customers will help the first newsagent to retain its customer bas and hence to increase revenue, loyalty and reputation of the newsagent. Q4) What opportunities are there in a newsagency to provide sensational moments of truth?There are number of opportunities to provide sensational moments of truth in a newsagent. The aisles are clear of debris. Customers always receive correct change. Customers wait in a queue less than three minutes. The person at the checkout is efficient. All staffs greet customers with a smile, have a small talk and customise goodbye to customers. Goods that customers want are stocked and attractively displayed.

Learning Team Collaboration Worksheet Essay

1. What are the advantages of having diversity in a collaborative learning environment? The point of any collaboration is to bring together different ideas for one solution. By exchanging opinions, everyone can decide what works best for the group. When too many like minded people come together, they dole out the same product. If a group contains all organizers or thinkers, they might have a 10 page paper of all conflicting ideas because they couldn’t agree on one topic. History’s bloodiest events usually started with one group of likeminded people pushing their ideas onto the rest of the world. 2. How might factors such as learning and work styles affect your team’s collaboration? Having a diverse set of people in a group can only improve it. Thinkers can look at a topic from all sides, which can help a team anticipate arguments and have an answer ready. Givers can be the voice of reason, helping the group stay on task when an organizer or thinker is stuck on a non consequential detail. Adventurers think outside the box, they may come up with the topic itself or can be counted on to liven up a stale presentation. Organizers are decisive; choosing what information stays, what gets tossed, where it fits, and how to best unify a paper. Like Henry Ford’s assembly line, each person has a role that has to be met for the product to be finished. 3. How can critical thinking improve your team’s collaboration? Being in a team can generate original and creative ideas, making for an interesting project. Critical thinking is the research and facts to uphold those ideas. This involves finding credible sources with valid facts. This question is kicking my butt! I’ll get it eventually. 4. What are methods for improving team writing? Prewriting is the longest step in the writing process, involving the overall topic of a project and all the research. This is where a team can contribute ideas and opinions, and a rough draft is formed. After this process is finished, the actual writing should be simple. The second draft could be written by one person to ensure that it stays in one voice throughout the paper. Then the team can review the draft and make changes as needed.

Barrick Gold and the Mine at the Top of the World

Main Body Barrick Gold’s main communication problem has been formed by Barrick saying one thing, then doing something else; this inevitably caused a lack of trust between its stakeholders and the company. The problem has created hidden agendas and guarded communication, thereby slowing decision making and productivity. For example, Argentina passed a law that protected their glaciers and permafrost, â€Å"which looked as if it might prevent the Argentinian part of the project from going forward. † (Barrick Gold case, pp. 11). The cause of the problem stems from Barrick Gold not keeping their promise. They proposed to transport the most affected glaciers farther away from the mining site, but did not live up to that promise. The symptoms of the problem include the farmer’s unhappiness with the company and the mayor for supporting the mining project. Another symptom is the fact that the Argentinian national legislatures passed the law protecting the glaciers. This desperate move shows that Argentina has a lack of trust that the company will follow through on their promise to deal with the melting glaciers. The 5 main stakeholders include the Chile and Argentina governments, the local farmers, residents of the valley, and the shareholders of Barrick Gold. Each of these stakeholders have separate issues they are concerned with. The Chile government is concerned with waste the mine is dumping into the river that runs through the Huasco Valley of Chile, specifically cyanide. The Argentina governments concern is based on the fact that the royalties they receive from the mine are ? of the total GDP of their poor San Juan province; once the mining is finished this will regress back to zero and devastate the economy. The local farmers are concerned with the explosions that cause dust to settle on the glaciers and accelerate its melting; the effects are devastating to the whole surrounding ecosystem. The resident’s of the valley share the same concern as the Argentinian government, that once the mining ceases their income will revert to zero. Finally, the shareholders of Barrick Gold are concerned with the idea of huge opposition and lack of productivity that ensued because of it. In dealing with the afore mentioned stakeholder groups, Barrick Gold can use all the steps of the communication model, including: sender, encode, channel, receiver, and feedback. First off, the Chilean government: Barrick Gold (sender) needs to think of a method that allows cyanide to be removed from the river (encode), and this idea needs to be presented face-to-face (channel) to the Chilean government (receiver); once the idea is received, Barrick Gold needs to allow for feedback (positive or negative) from this stakeholder. Secondly, the local farmers: Barrick Gold (sender) is responsible for devising a plan for decelerating the melting of the glaciers (encode) and portraying this plan, either in a proposal or in a meeting (channel), to the local farmers (receiver); the farmers need to provide their response of how the government is doing (feedback). Conclusion In conclusion, Barrick Gold has a communication problem that could potentially destroy its whole project. How the company deals with its stakeholders is very important to its future success in Chile and Argentina. To mend the problem it is of the company’s best interest to follow the communication model and make all attempts to repair the damage already done by not keeping their promise. Barrick Gold and the Mine at the Top of the World Main Body Barrick Gold’s main communication problem has been formed by Barrick saying one thing, then doing something else; this inevitably caused a lack of trust between its stakeholders and the company. The problem has created hidden agendas and guarded communication, thereby slowing decision making and productivity. For example, Argentina passed a law that protected their glaciers and permafrost, â€Å"which looked as if it might prevent the Argentinian part of the project from going forward. † (Barrick Gold case, pp. 11). The cause of the problem stems from Barrick Gold not keeping their promise. They proposed to transport the most affected glaciers farther away from the mining site, but did not live up to that promise. The symptoms of the problem include the farmer’s unhappiness with the company and the mayor for supporting the mining project. Another symptom is the fact that the Argentinian national legislatures passed the law protecting the glaciers. This desperate move shows that Argentina has a lack of trust that the company will follow through on their promise to deal with the melting glaciers. The 5 main stakeholders include the Chile and Argentina governments, the local farmers, residents of the valley, and the shareholders of Barrick Gold. Each of these stakeholders have separate issues they are concerned with. The Chile government is concerned with waste the mine is dumping into the river that runs through the Huasco Valley of Chile, specifically cyanide. The Argentina governments concern is based on the fact that the royalties they receive from the mine are ? of the total GDP of their poor San Juan province; once the mining is finished this will regress back to zero and devastate the economy. The local farmers are concerned with the explosions that cause dust to settle on the glaciers and accelerate its melting; the effects are devastating to the whole surrounding ecosystem. The resident’s of the valley share the same concern as the Argentinian government, that once the mining ceases their income will revert to zero. Finally, the shareholders of Barrick Gold are concerned with the idea of huge opposition and lack of productivity that ensued because of it. In dealing with the afore mentioned stakeholder groups, Barrick Gold can use all the steps of the communication model, including: sender, encode, channel, receiver, and feedback. First off, the Chilean government: Barrick Gold (sender) needs to think of a method that allows cyanide to be removed from the river (encode), and this idea needs to be presented face-to-face (channel) to the Chilean government (receiver); once the idea is received, Barrick Gold needs to allow for feedback (positive or negative) from this stakeholder. Secondly, the local farmers: Barrick Gold (sender) is responsible for devising a plan for decelerating the melting of the glaciers (encode) and portraying this plan, either in a proposal or in a meeting (channel), to the local farmers (receiver); the farmers need to provide their response of how the government is doing (feedback). Conclusion In conclusion, Barrick Gold has a communication problem that could potentially destroy its whole project. How the company deals with its stakeholders is very important to its future success in Chile and Argentina. To mend the problem it is of the company’s best interest to follow the communication model and make all attempts to repair the damage already done by not keeping their promise.

International cooperation Research Paper Example | Topics and Well Written Essays - 1250 words

International cooperation - Research Paper Example A country therefore may win from exporting one resource but lose a lot on other exportable commodities which may become expensive in nature. It is also pertinent to note that due to higher demand for factors of production in such industries, there is a shortage of labor for other sectors of the economy. This increases the cost of production for other countries and thus making them less competitive in nature. (Corden & Neary, 1989) There are many countries which have been suffering from this phenomenon and the economic mismanagement has resulted into much of the economic damage for them. During 1980s and 1990s, countries like Nigeria faced the consequences of this. Even developed economies like Australia and Canada faced this situation also. Dutch disease is a relationship between the manufacturing sector and increase in exploitation of the natural resources. The overall mechanism is based upon the assumption that strong inflows of foreign currency due to export of natural resources will appreciate the currency of the country and thus may result into nation’s other exports more expensive to export. Though it is normally associated with the natural resources however it can also be referred along with the sharp increase in foreign inflows, foreign direct investment as well as a surge in the prices of natural resources. The core model is based upon non-traded goods sector and two traded goods sector i.e. the booming and the lagging sector. Booming sector is normally based upon the extraction of oil and other natural resources including gold, copper, coffee or cocoa. The lagging sector of the economy is generally based upon the agriculture sector of the economy as well as other manufacturing sector. (Hausman & Rigobon, 2002) There are two possible consequences of this phenomenon i.e. changes in the labor as well as spending. When booming sector starts to pick up, the overall demand for labor

Realizing My Potentials Essay Example | Topics and Well Written Essays - 1250 words

Realizing My Potentials - Essay Example Belonging to a place which is the hub of all activities such as culture, entertainment, sports, media, trade, and arts have influenced my personality in many ways. The purity of my land has affected my upbringing and has bought a positive impact on my personality. Miami Beach is a center of attraction for many has developed great affinity in me for beaches and has also helped in to build up my love for water sports. Being the youngest in my family with two elder brothers, I have always been pampered and that has also made me a real family oriented person. For me, my utmost priority is my family. My family takes its roots from the African Americans. Apart from that, I am personally a sports lover. Football has influenced me since childhood and has been an essential part of my life since then. Football has been my passion and I have played football for my school that is Hialeah High School. I have also represented the University of Central Michigan in football at various events bringin g laurels for them. The love for sports and other athletics has shaped my personality. I believe that I can compete in all areas of life irrespective of what obstacles and hurdles come my way. I am very determined and I have a firm belief in my capabilities. Education has always been the priority of my family. Belonging to an average middle-class sector of the society, the value of education has always been given in my family. Currently, I am enrolled in school to study criminology. The reason behind choosing criminology was because of my interest in crime and what causes crime, its nature and to what extent it can be affected. This inquisition made me opt for this subject so that I could study in depth the behavior of crime on individuals, as well as the society. Concepts The first and the foremost thing that has developed within me is conscientiousness. Conscientiousness deals with the "Common features of this dimension include high levels of thoughtfulness, with good impulse cont rol and goal-directed behaviors." (Coon, 394) This apparently means that I am very organized and I take care of the minutest details in everything I do. This trait has been really controversial for me as at times as I do not let go of myself and my feelings resulting in being quite reserved and losing people who make difference in my life because of lack of expression of my feelings. Anxiety is also something I possess. Nervousness and anxiety go hand in hand. Despite this fact, I have always been really confident, active and determined. Public speaking has always made me nervous. I find it really difficult to face masses of people and, therefore, I undergo issues like "headaches, stomachaches, breathlessness, hyperventilation, blushing, trembling, increase heart rate, muscle tension, and sweating." (Kearney, 103). These are the symptoms of nervousness mentioned by Kearney in his book. Because of the anxiety and nervousness, I tend to show all the symptoms I previously mentioned whi ch drain my confidence and leave me numb when I have to face the public. Another issue which is affecting my personality is my behavior in public. Socially, I do not tend to mingle with people that easily. Since I get reserved and show signs of nervousness, this has made me a bit quiet when it comes to dealing with people.  

Services Marketing Case Study Example | Topics and Well Written Essays - 2500 words

Services Marketing - Case Study Example For a restaurant like Electtrico, this means refurbishing interiors to reflect the warmth and romance of a lover's rendezvous that is at once secluded yet accessible. The setting is tranquil but effervescent, the lights subdued and hypnotic, the music playing sweet and intoxicating from the dining hall's grand piano. This completes the service theatre. And then the sumptuous repast comprised of the restaurant's renowned Italian-Mediterranean fare rendered expertly by its award-winning chef, washed down with gourmet wines from Italy's finest vineyards. Elegant setting, gastronomic delights, gracious attendants, complimented with the practical considerations of ease of parking and accessibility of location - these would be the essentials that would define the Electtrico experience. Situated in the heart of London's business district, Electtrico is geared towards the young professionals who, in their late twenties and up, have begun to develop the sophistication to enjoy fine dining. Currently situated on the lower level of a two-story edifice, the restaurant proper is complimented by a pizza bar where the young, single and available can meet new acquaintances. In fine, this paper will bring together suggestions for the restaurant's marketing mix by which it will attract its clientele and mount a bid to compete against the other Italian restaurants within a comparable niche segment while differentiating its service. This paper will determine the pricing strategy to be adopted, training for the front line employees, the physical evidence as previously described, and the process of orchestrating the entire experience. With the price being the major differentiating factor in any business, and keeping in mind the major target segment, the price at the restaurant can be fixed at a level which is just above the average so a balance is achieved in all respects. Also, this kind of a pricing strategy can attract other target segments in large numbers. This study will also harmonize all these elements into a cogent and strategic whole, so that Electtrico's management will be guided in the further choices and revisions it may wish to introduce. Ultimately, by these suggestions, it is expected that Electtrico will be able to increase its market share, improve customer retention, and establish a leading name in this industry. Benvenuto, caro amico! THE START OF THE FINDINGS . I Exterior of the restaurant 1.1 Architectural style and signage Restaurant visibility and accessibility constitutes an

Negotiation Process Assignment Example | Topics and Well Written Essays - 1500 words

Negotiation Process - Assignment Example The potential process for carrying out the negotiation activity to generate a win-win situation for the two parties would also be reflected while the different drawbacks relating to the meeting of the negotiation process and ways of countering such would also be rightly dealt with in the paper. A key approach pertaining to the negotiation process that would contribute in researching the negotiators of the government and the potential of government’s operation related to the development and procurement of GPS product can be identified as the Integrative or the Interest-Based Bargaining approach. The Interest-Based Bargaining Approach contributes in generating a collaborative approach such that both the parties to the negotiation aim in understanding others’ needs to help in generating a win-win situation. Use of Interest-Based or Integrative Bargaining approach helps in building of trust between the different parties to the negotiation process such that the same helps in understanding the interests and potential of the other party to the negotiation agreement (Spangler, 2003). Garmin Ltd. operating in United States can be considered as a key competitor relating to the production of small GPS Guidance Equipment. The GPS Products produced by the company contribute in providing street navigation advantages for automobile and motorcycle drivers. Similarly the company also provides navigation facilities for trucks and also helps in planning for trips. The GPS products contribute in generating effective navigation facilities in terms generating effective information and 3D imagery pertaining to landmarks, important buildings and also street names. GPS products produced by Garmin Ltd. are enabled with speech technology and also help in generation of real maps helping in generating effective directions to the drivers. Similarly the GPS products are also enabled with effective features that get linked to

Digital Economy Essay Example | Topics and Well Written Essays - 3500 words

Digital Economy - Essay Example The paper tells that the use of search engines for e-commerce and digital economy is one which is congruent with specific associations with how individuals respond to Internet use. There are hundreds of search engines which are available, all which are able to categorize and define the specific concepts of websites that are developed. The categorization that takes effect occurs through an algorithm that consists of traffic, keywords and links that are associated with a website. If a website has a strong association with these links, then there is the ability to create a direct connection with higher search engine ranking results. The top search engines used include Google, Yahoo and MSN, all which have over 85% of users that are using the areas to find businesses and e-commerce. For businesses to gain online recognition is also the need to have search engine rankings that make it easier for consumers to find and which add as a gateway for the search engine development which is associ ated with e-commerce. The agenda which businesses are required to find is to find ways to persuade search engines so ranking is increased and development of the search engines is more effective with specific needs. The use of search engines, while creating easier placement and recognition for consumers, is one which also consists of dynamic changes that alter with the placement of search engines. Businesses that are using search engines are required to look at the dynamics and alterations which continue to fluctuate with businesses while understanding a specific way to create and develop relationships to search engines that lead to higher results. An example of this is with tourist destinations in which travelers are directed to an e-commerce portal for the booking of tickets and other alternatives. The main approach is one which is inclusive of synthesizing the information that is available online combined with continuously maintaining the dynamics that are a part of the search eng ines. The dynamics correlate with the newer information which is required for specific destinations and how this alters the placement and information which is placed on search engines. The use of search engines and the gateways used by businesses then become based not only on the basic placement but also working with the dynamic structure of evolving information that is online to create the best responses from search engine rankings and expected results (Pan et al, 2010: 365). Growth of Search Engines for Online Business The amount of Internet access which individuals have is continuing to grow each year and is dominating the market with those who are interested in accessing information and different businesses. Denmark, Sweden, Norway and the UK are leading the online business trends with over 90% of individuals which have the Internet and regularly access

Population Distributions - statistics lab report Essay

Population Distributions - statistics lab report - Essay Example This theory is based on the concept that a heart with small size will have smaller cardiac output as compared to the larger heart. Hence, this scientific theory proposes that the heart beat of the larger individual will beat slowly to meet the metabolic requirements. The above hypothesis will be examined by collecting a sample of short and tall individuals and identify whether there are significant differences in their heart beat rates. To prove this, an experiment will be conducted which will find out whether there are considerable differences in the heart rate of tall and short subjects. The experts in the field8 as have also emphasized that individuals who are physically fit have a higher stroke volume as compared to inactive individuals. This means that individuals having a poor physical condition will reach their maximum heart beat rate at a lower work level than individuals who are physically fit. Based on the above belief, a theory has been put forward that since physically fi t individuals have a higher aerobic capacity before reaching maximum heart rate therefore they will have a slower rate of increase in heart beat and a faster return to the resting return after the exercise. For the verification of aforementioned hypothesis, a controlled experiment will be conducted in which the subject’s heart rate before exercise and 15 minutes after exercise and then 30 minutes after exercise will be measured to know whether there are significant differences in the heart rate of individuals in the group. Null Hypothesis 1: Measurement of heart rate. Analysis of the data: a) Number of Subjects in each class Range Frequency 40-50 0 50-60 3 60-70 10 70-80 19 80-90 8 90-100 2 >100 0 b) Histogram Figure 1: Histogram of Heart Beats per Minute Median = 76 Mode = 80 Both the median and mode lie in the 70-80 subject group of the variable. c) The data for the given variable is spread symmetrically around the central location. It has a modal class. I expect the data t o be modal since most of the individuals will have a common heart beat rate with few exceptional cases. My expectations are supported by the graph of histogram as majority of the frequency of the data lies in the middle of set. d) Null Hypothesis: (There is no difference in the mean heart rate of the tall and short subjects) Alternative Hypothesis: (There is a difference in the mean heart rate of the tall and short subjects) Significance Level The hypothesis is to be performed at 5% significance level or 95% confidence level, so Critical Value The critical values for the two tailed test for with confidence level of are If the value of the t test statistic is lesser than -2.02 or greater than 2.02 than reject; otherwise do not reject. T-test Value: The data values for the small subject group and tall subject group are attached in the appendix (Table 1 and Table 2) Where By using formulas we calculate that (All the calculations are given in appendix) Where The value of t-test statisti c is -0.339 and it does not fall in the rejection region thus we do not reject the null hypothesis. The test results are not statistically significant at the 5% level; that is, at the 5% significance level, the data do not provide sufficient evidence to conclude that there is difference in the mean heart rate of the tall and short individuals. Null Hypothesis 2 and 3: Heart rate and recovery after exercise. a) Mean heart rate These are the class mean heart rates (beats per minute) Before Exercise 75.2 Directly After Exercise 124.8 After 1 Minute 105.9 After 5 Minutes