Consumer Credit - 12385 Words

[pic] [pic] [pic] 1.1 Background of the problem: Banking concept has been evolved since the rapid development of information technology. Nowadays almost all over the world, retail banking concept is well-orchestrated name which has indeed added a new feather to the gamete of banking lexicon. The introduction of retail banking in Bangladesh has led the banking industry to the doorstep of embryonic prospects and potentials. Consequently, several local and foreign banks came in this country to get abundant benefit for their financial betterment. In recent years, the banks are aggressively pursuing their marketing strategy to take hold of new segments with purpose to discover new†¦show more content†¦1.3Objective of the report: The core objectives of this study are to explore of consumer credit of prime bank and management of retail credit risk of the bank. The main objectives of the report are as follows: âž ¢ Exploring different consumer product of prime bank. âž ¢ Establishing a appropriate credit risk environment. âž ¢ Maintaining an appropriate credit administration and monitoring process. âž ¢ Ensuring adequate control over credit risk âž ¢ Credit disbursement process. 1.4 Scope of the report: This paper limits its study to the consumer credit facility and credit risk management of the prime bank limited. The study aims to find out the trend of the performance indicator. The report also cover the operational and functional area of prime bank limited .Besides this paper also cover different product and service and credit disbursement procedure. 1.5 Restraint of the report: Every study has some limitations. So, this project paper is not exceptional. The paper is made on the basis of data or explanation available from various books, annual report of the bank and different publications. A major limitation of this report is that bankers’ do not want to provide all information. Besides, the following are the main constraint of the report: ââ€" ª It was very difficult to collect the valuable information since confidential facts. ââ€" ª Because of the limitation of studying only on branch some assumption was made. ââ€" ª To prepare this extensiveShow MoreRelatedThe Credit Card Act For Young Consumers1548 Words   |  7 PagesPresident Obama stated, â€Å"The credit card act was intended to uphold basic standards of fairness, transparency, and accountability (Lindow).† Is this to say that credit card companies were deliberately deceiving consumers to capitalize on profits? Unfortunately, the answer is yes: profit was not the concern of this act, as the banks had abnormally high profit margins. What was in question, however, was the approach of generating these favorable profits for banks (Warren). The Credit Card act provides protectionRead MoreMarketing Proposal For Consumers Professional Credit Union1611 Words   |  7 PagesThis marketing proposal, designed by Justin Ellenwood is created exclusively for use by Consumers Professional Credit Union. Introduction Consumers Professional Credit Union (CPCU) will be creating a new product and a new service to go along with this product. The product will be a credit card reader for any mobile device. To enhance this product a mobile application will also be created. This application will be a free application, which charges a fee per transaction. However, there will beRead MoreCredit Card Debt Should Not Be New For American Consumers Essay1332 Words   |  6 Pagessince a consumer could purchase goods or services with a plastic card, there has been complications. Credit cards have a few positives, but the risks heavily outweigh the good. Americans owe a combined 12 trillion dollars’ worth of credit card debt (John Oliver, 2016). The average household in the United Sates owes around $5,700 (valuepenguin.com). Debt should not be something new for American consumers since they already deal with student loan, automobile, and mortgage debt. Since credit card debtRead MoreConsumer Behavior Towards Credit Card Usage10476 Words   |  42 PagesJournal of Management and Marketing Research Consumers and credit cards: A review of the empirical literature Phylis M. Mansfield Penn State University – Erie Mary Beth Pinto Penn State University – Erie Cliff A. Robb University of Alabama ABSTRACT Research in the area of consumer credit card attitude and behavior has provided an abundance of literature in the business, psychology, and public policy fields. Beginning in the 1960s, the work revolved around descriptive characteristics and evolvedRead MoreCredit Card Theft Is Not For Hard Working Consumers Everywhere871 Words   |  4 Pageswhat precautions are taken, credit and debit card fraud will remain an enemy to hard working consumers everywhere. Credit card thieves can use a variety of methods to attack the consumer. ATMs can be used to steal information from a debit card transaction. Online predators can steal credit card information through a click of a button. Stores can also be targeted through the use of data mining in the magnetic card readers. Persistent consumer vigilance is needed if credit card theft is to be av oidedRead MoreIdentity Theft: Who is at Fault, Consumers, or Credit Card Companies?1104 Words   |  5 PagesCommission). Once someone’s identity is stolen, accounts can be opened in the victim’s name such as credit cards, loan, and utilities; money can be withdrawn from the victim’s bank accounts and cause financial difficulties or the victim’s personal information may be used for other reasons. While consumers blame credit card companies and credit bureaus for lack of security, credit card companies blame consumers for being too gullible and forthcoming with private information (Shelly, 2010). While the twoRead MoreA Behavioral Economics Analysis Of The Exploitation Of Consumer s Time Inconsistency Preferences By Modern Credit Card Companies1824 Words   |  8 Pagesby Modern Credit Card Companies Jayshawn Anderson April 28, 2016 CWRU Behavioral economics, as defined by the National Bureau of Economic Research, is the â€Å"combination of psychology and economics that investigates what happens in markets in which some of the agents display human limitations and complications.† Many doubted the assumptions in place under neo-classical economics, so new ones were established. The behavioral economics approach arose out of the need to describe consumer behavior thatRead MoreFinancial Regulation : Reforming The Consumer Credit Regime2320 Words   |  10 Pages2010, Her Majesty’s (HM) Treasury and the Government’s Department for Business Innovation Skills(BIS) conducted a joint consultation entitled: A New Approach to Financial Regulation: Reforming The Consumer Credit regime. (HM Treasury, 2010) The consultation paper aimed to tighten the consumer credit sector following the 2008 financial recession, numerous campaigns by several agencies such as Debt Plan, Citizen Advice Bureau (CAB) StepCha nge and Money Advice Service (MAS), since debts increased debtsRead MoreAspects Of Reploye Delinquency Rates In The Consumer Credit Market936 Words   |  4 PagesIn 2018 the Consumer Credit Market is Predicted to Stay Strong Even though Rates are Increasing TransUnion predicts mortgage loan delinquency rate could hit the lowest level since 2005 Even with increasing interest levels, the U.S. consumer credit market is positioned to do well in 2018, with delinquencies that are well-managed and extended broad access to credit across a variety of financial products. TransUnion’s (NYSE: TRU) consumer credit forecast in 2018 discovered that anticipated raises toRead MoreCorporate And Business Strategy Analysis728 Words   |  3 Pagesdemands of Canadians and providing quality service to their customers. In addition, they put great importance on making sure their customers are in tune with the latest trends. They offer incentives i.e. loyalty programs to their purchasers, and common credit cards to allow a stressless and easy way to shop with their company, thereby creating value for their customers. After putting importance on their customers, they expect their customers to trust them and to continue shopping with their company. After

Greatest Contribution of the Third Republic of the Philippine Presidents Free Essays

Greatest Contribution of The third Republic of the Philippine Presidents Manuel A. Roxas First presidentf the Republic of the Philippines. A lawyer, he began his political career in 1917. We will write a custom essay sample on Greatest Contribution of the Third Republic of the Philippine Presidents or any similar topic only for you Order Now An advocate for Philippine independence from the U. S. , he was a member of the convention that drew up a constitution under the revised Philippine Independence and Commonwealth Act (Tydings-McDuffie Act; 1934). He collaborated with the pro-Japanese administration during World War II but was defended in postwar trials by Gen. Douglas MacArthur. He became president of the Philippines when independence was achieved (1946). Roxas obtained rehabilitation funds from the U. S. but was forced to allow the U. S. to maintain military bases and make other major concessions. His government was marred by corruption and police brutality, setting the stage for the Hukbalahap Rebellion. Elpidio Quirino His six years as president were marked by notable postwar reconstruction, general economic gains, and increased economic aid from the United States. Basic social problems, however, particularly in the rural areas, remained unsolved, and his administration was tainted by widespread graft and corruption. Ramon Magsaysay As president, he was a close friend and supporter of the United States and a vocal spokesman against communism during the Cold War. He led the foundation of the Southeast Asia Treaty Organization also known as the Manila Pact of 1954, that aimed to defend South East Asia, South Asia and the Southwestern Pacific from communism. He was also known for his integrity and strength of character. During his term, he made Malacanang Palace literally a â€Å"house of the people†, opening its gates to the public. Carlos Garcia During his administration, he acted on the Bohlen–Serrano Agreement which shortened the lease of the US Bases from 99 years to 25 years and made it renewable after every five years. He also exercised the Filipino First Policy, for which he was known. This policy heavily favored Filipino businessmen over foreign investors. He was also responsible for changes in retail trade which greatly affected the Chinese businessmen in the country. Diosdado Macapagal During his presidency, the Philippines enjoyed prosperity and was the second most developed country in the Asian region, next only to Japan and ahead of the future tiger economies of Asia such as Singapore, Taiwan, and Korea. Allowed the Philippine peso to float on the free currency exchange market. abolition of tenancy and accompanying land reform program in the Agricultural Land Reform Code of 1963 which underscored his endeavor to fight mass poverty. Ferdinand Marcos During his first term he had made progress in agriculture, industry, and education. Yet his administration was troubled by increasing student demonstrations and violent urban-guerrilla activities. Initially, he had a good record as president and the Filipinos expected him to be one of the best. However, conditions changed in later years and his popularity with the people started diminishing. Proclaimed Martial Law. Corazon Aquino Despite the euphoria following the overthrow of the Marcos government, Aquino faced the massive challenge of restoring the nation. She established a revolutionary government under the terms of a provisional â€Å"Freedom Constitution†, legally establishing the structure of the government pending the adoption of a permanent, democratically-drafted constitution. Fidel Ramos The first few years of his administration (1992-1995) were characterized by economic boom, technological development, political stability and efficient delivery of basic needs to the people. During his administration, Ramos began implementing economic reforms intended to open up the once-closed national economy, encourage private enterprise, invite more foreign and domestic investment, and reduce corruption. Joseph Estrada Idolized by the poor, he campaigned on a combination of policies that are both market-friendly and designed to reduce widespread poverty in a population of 70 million. Gloria Arroyo Arroyo, a practicing economist, has made the economy the focus of her presidency. Early in her presidency, Arroyo implemented a controversial policy of holiday economics, adjusting holidays to form longer weekends with the purpose of boosting domestic tourism and allowing Filipinos more time with their families. Benigno Aquino iii Despite having the privilege of using ‘wang-wang’, Aquino maintained he would set the example for his no ‘wang-wang’ policy, not to use ‘wang-wang’, even if it means being stuck in traffic and being late every now and then. Executive Order No. 5 prevents special envoys from using the title â€Å"ambassadorAquino also ordered the Department of Health (DOH) to support and assist all regional hospitals and health centers and intensify their efforts to attend to the needs of dengue–inflicted patientsOn September 2, 2010, Aquino signed Executive Order No. , extending the duration of the operations of the Presidential Middle East Preparedness Committee (PMEPC) to December 30, 2010[ On September 8, 2010, Aquino signed Executive Order No. 7, ordering the suspension of all allowances, bonuses and incentives of board members of government-owned and-controlled corporations (GOCCs) and government financial institutions (GFIs) until December 31, 2010 How to cite Greatest Contribution of the Third Republic of the Philippine Presidents, Papers

Book Classification Essay Example For Students

Book Classification Essay When I was a very small child, I fell in love with books of all types. I could lose myself for hours in Alice and Wonderland, Black Beauty, and Tom Sawyer. As I grew older, I started reading books that portrayed actual people. I became interested in books on the Holocaust and read many titles, including the Diary of Anne Frank. These real-world stories and my large imagination started me on a path of story writing. I have written everything from poetry to complete plays. Although I have explored a large range of styles in my writings, I generally focus most of my efforts on three styles: horror, mystery, and science fiction. I have found these subjects allow me to use history, technology, and my imagination to build new worlds where anything can happen. Whenever I write horror stories, I try very hard to make them seem believable. I want the readers to be afraid to put thier feet on the floor for fear something will grab them from under the bed. I do not write about three eyed monsters or Loch Ness Monsters because they do not seem real. I write about the people you meet every day, like the school teacher with bodies in his backyard or the family member with a secret. Its not hard for me to turn the guy next door into a serial killer in one of my stories. When I write mysteries, I have to come up with a scenario, method, and motive. Mystery stories can take more than a little research. I have to build characters that have skeletons in their closets and the personalities that allow them to be pushed far enough that they would commit a murder. I have to know how to explain the method used to kill the victim. The victim has to have a past that relates to all the suspects in one way or another; I have to build his/her character as well. The criminal investigator in this type of story has to be able to sort out a world of clues and have a sharp mind for details. In creating a science fiction story, I can freely explore my imagination. I usually write about the lives and events of futuristic people. I am able to travel to different planets without ever leaving my keyboard. I can create new races of living beings with new customs, laws, and lifestyles. In a sci-fi world, I am able to travel through time, read minds, and bring inanimate objects to life. There are no limits to the possibilities. I am able to take the reader with me to places of which they may never have dreamed. I can cause the reader to believe that all they read not only could happen, but does. In my writings, I am able to say things that I am afraid to say with the spoken word. I have an outlet from which I can express the deepest, and sometimes darkest, areas of my imagination. Many readers of my stories find it hard to believe that I could write such foreboding material, because I seem to be a very quiet, passive person. People who know me do not realize that, when I write, my meek personality is the fuel to my fire. When I am quiescent and subdued, I just may be visualizing one of them as a character in my next story.

Types Of Love In Romeo And Juliet Essay Example For Students

Types Of Love In Romeo And Juliet Essay Shakespeares Romeo and Juliet is a play about twolovers separated by their feuding families. From forth thefatal loins of these two foes a pair of star-crossed loverstake their life.(Pro.I.6) The two foes Shakespeare speaks ofare the Montagues and the Capulets. Their hate for eachother is great and violent. The hate of the two families isshown early with a street brawl. The hate causes the loversto hide their love from their families until the very end. after Romeo and Juliet died in the Caplulet tomb the twofamilies see their hate and reconcile for the love of theirbeloved children. Shakespeares Romeo and Juliet reviledlove as a war as a religion as a malady and as a cult. We will write a custom essay on Types Of Love In Romeo And Juliet specifically for you for only $16.38 $13.9/page Order now The theme of love, which he explains in other keys inplays before and after remain central, though now it is toidealized in all seriousness(Sauffer 29). All through theplay Shakespeare constantly held love as the basis of theplay. The actual ethical energy of the drama resides in its Wise,2realization of the purity and intensity of ideal love. Herethere is no swerving(Stauffer 32). Stauffer believes that Romeo and Juliets love was pure and intense also it isconstant ever since the they lay eyes on each other. Romeoand Juliets love is a perfect blending of body and soul. The obstacle which is a feature of the amour-passionlegend is partly external, the family feud; but is partly asword of the lovers won tempering since, unlike earliertellers of the story, Shakespeare leaves us with noexplanation of why Romeo did not put Juliet on his horse andmake for Manturia(Mahood 392). If Romeo would leave Veronawith his love Juliet both will live with each other andcould be in love till they are old and gray, but insteadRomeo leaves with out his love and die young with eachother. The love of Romeo and Juliet is immediate violent andfinal. In the voyage of the play they abandon themselves toa rudderless course that must end in ship wreck(Mahood 392). Thou desperate pilot, now at once run on thedashing rocks, thy sea sick weary burke: He eresmy Louve.(V.iiii 117-119)The theme of Romeo and Juliet is love and violence andtheir interactions. In it these two mightiest of mightyopposites meet each other squarely and one wins(Goddard118). The whole secrete of the play is that the deaths of Wise,3the lovers are not the result of the hatred of the houses,nor of any other cause except love itself, which seeks deathin its own restoring cordial. Love conquers death even moresurly than it defeats hate. It sweeps aside all accidentsso that fate itself seems powerless. Time is defeated, inthat first stirring of a belief that Shakespeare came laterto trust completely: that the intensity of an emotion towersabove its temporal duration or success(Stauffer 32). WhatStauffer is trying to say is that love is very powerful andeven in death the love continues. Romeo finds Julietssleeping body after she had drank the potion, and hebelieves her to be de ad. Romeo is slain when Juliet wakesup from here sleep. Out of fear and love she inserts adagger into her heart with the famous line Oh happydagger. Even though the two lovers are dead their lovecontinues. The love between Romeo and Juliet was forbidden by thetwo families because of their hatred for each other. Mostreligions say to honor your parents and if their parents newof the love it could have been disaterious. After Juliet marries Romeo the Nurse tries to convinceJuliet to commit bigamy. She wants here to marry Paris sothat all will be right with here father and the rest of theCapulet family, Juliet refuses. .ua11fb13126f1c02c940c9d353fa5b01f , .ua11fb13126f1c02c940c9d353fa5b01f .postImageUrl , .ua11fb13126f1c02c940c9d353fa5b01f .centered-text-area { min-height: 80px; position: relative; } .ua11fb13126f1c02c940c9d353fa5b01f , .ua11fb13126f1c02c940c9d353fa5b01f:hover , .ua11fb13126f1c02c940c9d353fa5b01f:visited , .ua11fb13126f1c02c940c9d353fa5b01f:active { border:0!important; } .ua11fb13126f1c02c940c9d353fa5b01f .clearfix:after { content: ""; display: table; clear: both; } .ua11fb13126f1c02c940c9d353fa5b01f { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .ua11fb13126f1c02c940c9d353fa5b01f:active , .ua11fb13126f1c02c940c9d353fa5b01f:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .ua11fb13126f1c02c940c9d353fa5b01f .centered-text-area { width: 100%; position: relative ; } .ua11fb13126f1c02c940c9d353fa5b01f .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .ua11fb13126f1c02c940c9d353fa5b01f .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .ua11fb13126f1c02c940c9d353fa5b01f .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .ua11fb13126f1c02c940c9d353fa5b01f:hover .ctaButton { background-color: #34495E!important; } .ua11fb13126f1c02c940c9d353fa5b01f .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .ua11fb13126f1c02c940c9d353fa5b01f .ua11fb13126f1c02c940c9d353fa5b01f-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .ua11fb13126f1c02c940c9d353fa5b01f:after { content: ""; display: block; clear: both; } READ: Suriname EssayWise,4At the time Romeo meets Juliet, he is infatuated with awoman named Roseline. Romeos moon struck calf-love forRosaline must be laughed out of him by his friends Benvolioand Mercutio, by his guide Friar Lawrence and by his owntrue love. For Romeo doting upon Rosalin, love was maladyand religion; for Mercutio it is sheer lunacy or a brutalconquest(Mahood 398). Mercutios realm of love was lust, also very falseby nature. For all the bad things the be said about lust,it is where all the jokes are and Mercutio being a jokerused it to his full advantage. In trying to call Romeo overthe wall, he tried a certain amount of discussion aboutRoslines body and, when dealing with the nurse, sang arather lewd song. Today Mercutios song would beconsiderable less appreciated and would more likely get himslapped with sexual harassment charges. However, justbecause society doesnt like something doesnt mean that isdoesnt exist. Even with the progress society has made,there are a lot of dirty jokes still out there. The love in Verona may be a cult. After Romeo seesJuliet at the dance he immediately falls in love with her. He become obsessed with her. Romeo of the Monagues, after asentimental and unrequited languishing after one Rosaline,falls in love at first sight with Juliet, of the Capulets,and instantly instilled enmity of generations is dissipated Wise,5like mist by morning sunshine and love that embraces Julietembraces everything that Juliet touches or that touchesher(Goddard 119). They are both filled with love and itmakes them quest for each other. Romeo and Juliet shared a true love for one another. Both Romeo and Juliet were willing to forsake those thingsthat were important to them for each other. True love isthe most powerful of all in Romeo and Juliet and in the realworld. The nature of love hasnt changed but, with theevolution of our society, its expression has changedslightly. Of all the things is the world, love is the mosttimeless and it is this which makes the story of Romeo andJuliet timeless.

biology test questions essays

biology test questions essays attached at the centriole. "a pair of chromosomes, one from the mother and one from the father." attached at their centromeres. identical until crossing over occurs. both 3 and 4 are correct "Different, or alternative, forms of the same gene are called" "If a diploid organism has a genome consisting of 4(four) chromosomes, it can produce ____different combinations of maternal and paternal chromosomes in the offspring (disregarding crossing over)." Is the common form of reproduction in higher organisms. Requires only one parent. Produces a wide variety of offspring. "During crossing over, ___undergo breakage and exchange segments" Non sister chromatids of a homologous pair Nonhomologous chromatids ...

Dangerous Household Chemicals in Common Products

Dangerous Household Chemicals in Common Products Many common household chemicals are dangerous. They may be reasonably safe when used as directed, yet contain toxic chemicals or degrade over time into a more dangerous chemical.   Dangerous Household Chemicals Heres a list of some of the most dangerous household chemicals, including the ingredients to watch for and the nature of the risk. Air Fresheners.  Air fresheners may contain any of a number of dangerous chemicals. Formaldehyde irritates the lungs and mucous membranes and may cause cancer. Petroleum distillates are flammable, irritate the eyes, skin, and lungs, and may cause fatal pulmonary edema in sensitive individuals. Some air fresheners contain p-dichlorobenzene, which is a toxic irritant. The aerosol propellants used in some products may be flammable and may cause nervous system damage if inhaled.Ammonia.  Ammonia is a volatile compound that can irritate the respiratory system and mucous membranes if inhaled, can cause a chemical burn if it is spilled on skin, and will react with chlorinated products (e.g., bleach) to produce deadly chloramine gas.Antifreeze.  Antifreeze is ethylene glycol, a chemical which is poisonous if swallowed. Breathing it can cause dizziness. Drinking antifreeze can cause serious brain, heart, kidney, and other internal organ damage. Ethylene glycol has a sweet flavor, so it is attractive to kids and pets. Antifreeze typically contains a chemical to make it taste bad, but the flavor is not always a sufficient deterrent. The sweet smell is enough to lure pets. Bleach.  Household bleach contains sodium hypochlorite, a chemical that can cause irritation and damage to the skin and respiratory system if inhaled or spilled on the skin. Never mix bleach with ammonia or with toilet bowl cleaners or drain cleaners, as dangerous and possibly deadly fumes may be produced.Drain Cleaners.  Drain cleaners typically contain lye (sodium hydroxide) or sulfuric acid. Either chemical is capable of causing an extremely serious chemical burn if splashed on the skin. They are toxic to drink. Splashing drain cleaner in the eyes may cause blindness.Laundry Detergent.  Laundry detergents contain a variety of chemicals. Ingestion of cationic agents may cause nausea, vomiting, convulsion, and coma. Non-ionic detergents are irritants. Many people experience chemical sensitivity to dyes and perfumes present in some detergents.Mothballs.  Mothballs are either p-dichlorobenzene or naphthalene. Both chemicals are toxic and known to cause dizziness, headaches, an d irritation to the eyes, skin, and respiratory system. Prolonged exposure can lead to liver damage and cataract formation. Motor Oil.  Exposure to the hydrocarbons in motor oil can cause cancer. Many people are unaware that motor oil contains heavy metals, which can damage the nervous system and other organ systems.Oven Cleaner.  The danger from oven cleaner depends on its composition. Some oven cleaners contain sodium hydroxide or potassium hydroxide, which are extremely corrosive strong bases. These chemicals can be deadly if swallowed. They can cause chemical burns on the skin or in the lungs if the fumes are inhaled.Rat Poison.  Rat poisons (rodenticides) are less lethal than they used to be, but remain poisonous to people and pets. Most rodenticides contain warfarin, a chemical which causes internal bleeding if ingested.Windshield Wiper Fluid.  Wiper fluid is toxic if you drink it, plus some of the poisonous chemicals are absorbed through the  skin, so it is toxic to touch. Swallowing ethylene glycol can cause brain, heart, and kidney damage, and possibly death. Inhalation can cause dizzin ess. The methanol in wiper fluid can be absorbed through the skin, inhaled, or ingested. Methanol damages brain, liver, and kidneys and can cause blindness. The isopropyl alcohol acts as a central nervous system depressant, causing drowsiness, unconsciousness, and potentially death.​

The tax issues Starbucks is facing with the UK government Essay

The tax issues Starbucks is facing with the UK government - Essay Example Their action of tax evasion stoked public protests whereby demonstrators brandishing ply cards flushing harsh words against Starbucks. Example of one held in a crowd huddled up in one of the entrances of a Starbuck coffee branch read â€Å" 74% of 45 billion pounds benefit cuts taken from women’s income† while another screamed in bold â€Å" Starbucks have not paid tax since 2009 (Mangold, 2010)†. The protesters seething with vent also threatened to switch allegiance to rival companies like Costa. These threats appeared to shake-up Starbuck who feared their customers were starting to decline and this compelled them to appease the population by volunteering to the British taxman 10 million pounds more tax than required by law for the years 2013-14. Since the start of the economic depression that ails most of the western world there has been deliberate action to conjure up ways to hoard up monies to revive the economy. One of ways to expand the exchequer is to invoke strict laws to close down on tax evaders and enact tougher punishments for offence (Gilbert, 2008, p. 67). This has been the main attribute as to the disclosure of how much cooperation tax Starbuck and other large corporate pay and prompting the revenue collectors up to their ante. A scrutiny at a SWOT analysis of Starbucks reveals its strengths, weaknesses, opportunities and threats. Starbucks Corporation serves restaurants and coffeehouses worldwide with its headquarters in the USA. Its revenue and profits for 2012 were $ 13.29 billion and $ 1.38 billion respectively (Barney, 2009). With its CEO Howard Schultz, Starbucks employs 149,000 employees. Some of its biggest competitors include MacDonald Corp., Costa Coffee, Caribou Coffee Company, Dunkin Brands Group, and Green Mountain Coffee Roasters among others. Starbuck is the no. 1 brand coffeehouse chain in the

Data Mining - Questions to answer Essay Example | Topics and Well Written Essays - 1000 words

Data Mining - Questions to answer - Essay Example Back-Propagated Delta Rule Networks (BP) is an example for multiple perceptron which contains additional hidden layers. It can function effectively compared to the single layer. In the prediction process of neural networks to make accurate prediction the training cases are increased which eventually leads to overfitting (George N. Karystinos, 2000). This occurs when the number of input variables is large compared to the training cases or when the input layers are highly correlated with each other. In methods like kernel regression and smoothing splines, the under fitting and overfitting of neural networks is usually encountered. The overfitting occurs in more complex networks. This leads to unprecedented predictions or wild predictions. Data cleansing is the process of removing inaccurate and inappropriate data records, which is an integral process of data processing and maintenance. In large data sets, the process of finding error and correcting the same needs interaction with the domain experts which is an expensive and time consuming process. Since it involves a comprehensive assignment of identifying and rectifying errors and hence the task is complex. Initially these operations are carried out manually and later computational means of data cleansing evolved and even this process are time consuming and error prone (Heiko Mller et al ). 3. What is the significance of Bayes Theorem in Data Mining Give an example of how statistical inference can be used for Data Mining. Most of the presently available statistical models in data mining are prone to overfitting and also unstable (sensitive to minor changes in the data). These difficulties can be overcome in the Bayesian methods of statistical mining. The reliability of these algorithms has been reviewed (J. Kolter and M. Maloof, 2003). The Bayesian algorithm facilitates integration of clustering and produces scalable powerful algorithm apt for data mining. Capturing correlation of large number of variables is possible using the Bayesian method. Example: In the search process of similar sequences (gene or protein sequences) in a sequence database, the data mining algorithm works by searching for similar matches which is based on the statistical preferences (e- value). Lower the expected value higher the relationship between the query and the retrieved results. Since the data involved is a mere combination of string only statistical measures ensures comparative account of the data sets. 4. Explain the concept of a Maximum Likelihood Estimator with an example. This is practically applied in prediction of phylogenetic relationships of protein sequences by tree algorithms. The maximum likelihood estimator forms the basis for the evolutionary prediction algorithms. The likelihood function predicts the relative function of all the given datasets (protein sequences). The algorithm eventually finds the most likely relative to the other sequences in the datasets by maximum likelihood estimator and hence it is easy to predict the ancestral route as well as how

Holden Australia Essay Example for Free

Holden Australia Essay 1. Management Decision Problem 1.1 Background Holden is an Australian company which is manufacturing and supply of cars, engines and auto parts. With the vehicle market in good times, the sales of Holden continued to drop even though it received a massive financial supplement of approximately $150 million a year from the Australian government (Coorey, 2013). Moreover, Martin (2013) states that the VF model as a new product cannot alleviate the crisis in the market and influence Holden’s decline 12.5% in 2012 (Appendix 1). In 2013, Holden manufacturing plants suddenly announced that it will cease its production line in Australia in 2017. The main reason is that Holden doesnt have a definite understanding of the consumer preferences and purchase intentions. These problems resulted in the company facing difficulty with their business operation. 1.2 Decision Makers Key Goal Holden should improve their innovation of products to increase their sales volume. 1.3 Management Decision Problem Should Holden is new product be changed? 1.4 Rationale Research Problem The new product of Holden has problems that are different from the real demand of the customer. Successful industrial innovation has three critical factors which are technology push, demand pull, and integrated model (Rothwell, 1992, p. 221).Holdens innovation developments not only dominate product line but also influence on product sale result. When Holden develops new products, it is not based on the customer feedback instead according to the companys product categories and competitors developed product. It leads to setting a vague plan to develop products. As a consequence, some customers may not purchase the innovation vehicle because the products are not needed. 2. Marketing Research Problem 2.1 Marketing Research Problem statement To determine consumer preferences and purchase intentions for the proposed. 2.2 Rationale Research Problem According to Holden Australia, the outlook of vehicles market is positive, but its market share is in decline, some scholars think that Holden is  inability to build quality in innovation may be the main problem that will influence its market share and change consumer purchase behavior. Therefore, Holden should maintain its competitive advantage through decreasing product life cycles, building quality in innovation and investigating perceptions held by Australia customers. Additionally, Holden can identify different variables which may change consumer decision making based on the MRP in order to increase market share and develop new product. 3. Research Objective Problem 3.1 Research objective one To rank how Holden Australia introduces new attractive offers for the customers to increase the sales of the product. (RO1) 3.2 Research objective two To assess Holden Australias new product to satisfy the different customers’ needs. (RO2) 3.3 Research objective three To identify Holden Australia needs to supply target group planning to vehicle market. (RO3) 4. Repertory Test The repertory test is one of the research objectives. It is through the structured qualitative interview (normally one-on-one) that is used to identify the interviewees opinion to the test topic and it is trustworthy. Repertory test also known as Kelly’s Triads or Triad sorts (Wilson, A. M., 2006). In todays society, repertory test analysis is one of the popular techniques for estimating research targets and it is a common method to generate constructs through some targets and participants (Pike, 2005). Furthermore, the repertory test has other benefits which are help researchers to understand the opinion of the respondents more conveniently and effectively and distinguished the detail could be more identify etc.. However, the repertory test also has a couple of disadvantages including taking more time for analysis and lack of standard of test. In this case, Repertory test can be used in research to identify how Holden attracts customers to purchase. There are two key points t o help Holden attract clients. First of all, the repertory test will be used on the Ro1. The company can use this test to understand the clients psychological state. According to appendix 2, car customers ranking shows Holdens score is -3%. In contrast, Japanese cars with a positive score come out top. Holden really  need to understand the Australian consumer buying behavior or psychological motivations, and which marketing method is the most attractive to Australian consumer. Secondly, it can also use this test on the Ro2. The aim of RO2 is to satisfy the customer different needs, so the test can be used to identify what the customers’ real demand about the existing car or new product is. For example, quality and safety are important factors for Australia consumers buying a new car (Appendix 3). Therefore, Holden can analyze the competitive strengths and weaknesses, and then improve their products. This will improve their sale status. 5. Focus Group The focus group is the mostly widely used in qualitative tools. A focus group discussion is to collect data through a group (8 to 10 participants) interaction and a moderator. The main objective of a focus group is to get in depth answers of consumers, and understand consumer attitudes and behavior on its products (Warren, C. A. B., Karner, T. X., 2010). The group participants are selected carefully and discussions based on their experiences and views. In addition, researchers or clients can use one –way mirrors to observe participants’ opinions and behaviors. Moreover, focus groups can be an early stage to reduce problem as a filter. The advantages of focus groups are freedom, comfortable, high involvement, and commonality experience. For example, if participants have similar experiences and attitudes as others, they will have higher willingness to discuss the topic with other group members. Therefore, researchers not only can involve participants efficiently, but als o can stimulate discussion of the topic. However, there still are some disadvantages of focus groups, including misuse, misjudge, moderation, messy and misrepresentation. For example, when participants have difficulties in presenting their opinions it will cause the discussion to fail. In this case, the focus groups can be used for research objective three. Researchers of Holden Australia should make up a target group in order to investigate consumer attitudes and behaviors. The main goal is to increase Holden’s market share through consumer trends. There are three main topics to increase market share and maintain competitive advantages. Firstly, Holden should build quality in its new product in order to satisfy consumer demands. For example, safety is very  important for majority consumer (Appendix 3). The second topic is to focus on price, when consumers who focus on cost will change their purchase behavior (Ahmed, M., Zaman, F. Irfan ,M. S., 2013). For example, Holden can provide promotional program to attract consumers. The last one is that Holden’ sales services are a very important stage to increasing costumer’s willingnes s to purchase again. Reference Colquhoun, S. Blackbur, B. (2010, August 3). Ford, Holden fail satisfaction survey. Drive. Retrieved from http://www.drive.com.au/motor-news/ford-holden-fail-satisfaction-survey-20100803-114hk.html Coorey, P. (2013, December 11). Government’s treatment of Holden was bizarre. Financial Review. Retrieved from http://www.afr.com/p/national/government_treatment_of_holden_was_QwElLu2O3lse6cNIradzzI Martin, T. (2013, November 8). Market Insight: Holden hopes rise with VF sales. Market Insight company news. Retrieved from http://www.goauto.com.au/mellor/mellor.nsf/story2/34C9E821132DC201CA257C1D0005E329#!prettyPhoto Masoom Ahmed, Fazluz Zaman, Munshi Shamsuzzaman Irfan. (2013). Consumers brand choice behavior for car. Kuwait Chapter of the Arabian Journal of Business and Management Review, 2(5), 198 Pike, S. (2005). The use of repertory grid analysis and importance-performance analysis to identify determinant attributes of universities. Journal of Marketing for Higher Education, 14( 2), 1-18. Rothwell, R. (1992). Successful industrial innovation: Critical factors for the 1990s. RD Management, 22(3), 221-240. doi:10.1111/j.1467-9310.1992.tb00812.x Warren, C. A. B., Karner, T. X. (2010). Discovering qualitative methods: Field research, interviews, and analysis. New York: Oxford University Press. Wilson, A. M. (2006). Marketing research: An integrated approach. New York: Prentice Hall/Financial Times.

Mathematics of Microscope Resolving Power :: Math

Missing Figures Imagine this, you are walking through the forest when all of a sudden you come across the most fascinating insect (perhaps insects may not seem too fascinating at first but once you learn a little about them they are the most fascinating creatures). Well, back to the story, so you find this insect and you realize that it seems very different from those you've previously encountered. Well, being the curious scientist that you are, you take out your trusty magnifying glass and take a look. You move the lens back and forth until you find the perfect image. You see the insect's wonderful colours and patterns which you would not be able to see with your naked eye. What just happened? You simply placed a piece of glass between you and the insect and all of a sudden you get this wonderful view of nature which would otherwise be missed. Well, if you are at all curious as to know how magnifying glasses and microscopes work, then read on and find out. An Introduction to Microscopes The two types of microscopes that will be focused on in this webpage are the simple microscope and the compound microscope. The simple microscope, also known as the magnifying glass, is composed of a single converging lens. The compound microscope is composed of at least two lenses and is generally referred to as a microscope. There are two main purposes of a microscope: 1) to increase the magnification of an object 2) to have a high resolving power Both of these will be examined; however, a greater emphasis will be placed on the resolving power. Magnifying Power (brief overview) Magnifying power: is also called angular magnification. Figure 1a shows an object y in front of a lens. Rays of light reflect off the object through the lens and a now larger image, y', of y can be seen. Once, the image is brought further from the lens, as in figure 1b, the image, y', is even larger. (So as to no discrepency: in figures 1a and 1b, the observer is on the right of the lens looking towards the image y') The magnifying power, M, is given by the following: M = 1 + d/f, where f is the focal distance and d is the distance between the object and the lens Proof of M = 1 + d/f: Figure 1c is the view of the object Y from point C without a magnifying glass. Mathematics of Microscope Resolving Power :: Math Missing Figures Imagine this, you are walking through the forest when all of a sudden you come across the most fascinating insect (perhaps insects may not seem too fascinating at first but once you learn a little about them they are the most fascinating creatures). Well, back to the story, so you find this insect and you realize that it seems very different from those you've previously encountered. Well, being the curious scientist that you are, you take out your trusty magnifying glass and take a look. You move the lens back and forth until you find the perfect image. You see the insect's wonderful colours and patterns which you would not be able to see with your naked eye. What just happened? You simply placed a piece of glass between you and the insect and all of a sudden you get this wonderful view of nature which would otherwise be missed. Well, if you are at all curious as to know how magnifying glasses and microscopes work, then read on and find out. An Introduction to Microscopes The two types of microscopes that will be focused on in this webpage are the simple microscope and the compound microscope. The simple microscope, also known as the magnifying glass, is composed of a single converging lens. The compound microscope is composed of at least two lenses and is generally referred to as a microscope. There are two main purposes of a microscope: 1) to increase the magnification of an object 2) to have a high resolving power Both of these will be examined; however, a greater emphasis will be placed on the resolving power. Magnifying Power (brief overview) Magnifying power: is also called angular magnification. Figure 1a shows an object y in front of a lens. Rays of light reflect off the object through the lens and a now larger image, y', of y can be seen. Once, the image is brought further from the lens, as in figure 1b, the image, y', is even larger. (So as to no discrepency: in figures 1a and 1b, the observer is on the right of the lens looking towards the image y') The magnifying power, M, is given by the following: M = 1 + d/f, where f is the focal distance and d is the distance between the object and the lens Proof of M = 1 + d/f: Figure 1c is the view of the object Y from point C without a magnifying glass.

Self Introductory Speech

Tewyner Hall Speech 101 Ms. Walton Introductory Speech Jan. 28, 2013 Interrupted at Eighteen â€Å"Where do you see yourself in ten years;† is what my 11th grade teacher asked me. I didn’t have the slightest idea as to where I’d be in ten years; I only knew where I didn’t want to be. Unlike, all of my friends at the time I was the only one out of the group that didn’t want to become an adult; this was something that I was secretly afraid of. My dream of staying with my parents for the rest of my life was abruptly shattered at the age of 18 when I found out that I was pregnant.I was on the fast track to adulthood, something I had tried so hard to avoid. When my teacher asked me where I saw myself in ten years, I could only think about where I absolutely didn’t want be. I sat at my desk and pictured myself living with my parents pregnant with a â€Å"hip baby†. I can remember feeling an immediate chill of disappointment and disguiess at the thought of allowing myself to stoop to such circumstances. As a child my father told me that being pregnant, unwed and living with your parents is one of the most embarrassing and disappointing acts that you could commit towards yourself and your parents.Society often stereotyped pregnant unwed mothers as easy, gullible girls that couldn’t keep their legs closed. I did not want to be categorized that way I was too smart for that. I wanted to reside within the comfort of my parents’ home childless of course, and continue to do whatever they told me to do for the rest of my life. I knew exactly where I didn’t want to be yet, I was unsure of where I was going. My teenage years were the best years of my life.I had a large bedroom with wall to wall plush carpet, a bed fit for a princess, a white vanity set for all of my nail polish, a television and a spectacular view of the front and back of the house. I didn’t have to pay any bills or buy food. I had a p art time job, a driver license, a car, I was cute and semi- popular. My parents were proud of me. Life was good. I couldn’t understand why teenagers wanted to grow up so fast. When I was seventeen I told my mother that I didn’t want to turn 18 she laughed and said â€Å"The only way you can prevent yourself from turning 18 is if you die at 17†.I was afraid of not being good enough I didn’t think that I was smart enough to be an adult. Becoming an adult meant that you had to pay for everything, you’d have responsibilities, you’d have to endure the daily pressures of life and eventually realize that it’s a â€Å"cold hard world† out there. People are not going to love and care for you like your parents In April of 1999 I went to bed happy, content, and optimistic about my future. When I woke up my fingers and ankles where swollen, my body felt heavy, my stomach was abnormally large and when I turned over there was a hideous monst er man in my bed.I was 8 months pregnant and living at home with the father of my unborn child and my parents. My nightmare had come true. My bedroom was dilapidated; I walked over to the room window and whispered to myself â€Å"what a disgrace†. I was scared and ashamed of myself. Although my parents tried to hide it I knew they were heartbroken. My oldest sister would fuel my depression by carelessly blurting belittling remarks to me about my situation. She once asked me â€Å"why you keep having babies in my mama house. † This was exactly where I didn’t want be, But God had a plan for me.As I said before I didn’t have the slightest idea as to where I would be in ten years; I only knew where I didn’t want be. My children were my inspiration to move forward in life. I realized I couldn’t live with my parents forever. I had to become a positive example for my children. I made a list of short term and long term goals for our future. With the relentless support of my parents I began to embrace not only being a mother but an adult also. That was 13 years ago. In â€Å"Straighten Our Hair,† Bell Hooks, she wrote â€Å"It has been only in recent years that I could feel consistent pleasure with my hair†.These feelings remind me of the pleasure and comfort I felt as a child sitting between my mother’s legs feeling the warmth of her body as she combed and braided my hair. † Just like bell hooks I sometimes reminisce on the times when I was a young girl and the feelings of comfort, love, and satisfaction I received from my room and living with my parents. Today I am 33 years old and I can proudly say that I am not where I want be, but I’m far from where I used to be, God has surly worked on me. Thank you all for listening!

Ap Us Colonial America Dbq

Anthony Edwards8/24/12 AP US History- Jones Colonial America DBQ An interesting characteristic of the colonies that the English founded during the 17th and 18th centuries on the eastern coast of modern day America is that while all were indeed settled by people from England they each developed their own very distinct cultures and ways of life. While the varying environments from each colony to the next certainly isn’t a negligible factor in the diversification of the colonists’ cultures in the New World, there are more striking factors that can be considered.The colonists themselves it seems had very different viewpoints, goals and demeanor when several regions are compared. Examples of two regions that were both settled by the English that developed very different and arguably contrasting cultures are the New England and the Chesapeake colonies. It is apparent that the main goals and natures of the colonists in either region were dissimilar.In New England colonists wer e primarily Puritans and focused on religion, self-government, family values, and cooperation for the good of the community where in the Chesapeake colonists often relied on the royal government and were focused on acquiring great wealth and furthering their own individual achievement. These dissimilarities as well as other factors like the environment caused the two cultures to develop in very separate ways. Every society is shaped by its environment and its culture can be greatly influenced by its surroundings.The society of the New England colonies was formed in an area of temperate, generally cool temperatures, clean water, and rocky, infertile soil. This meant that the colonists weren’t plagued by many diseases and relied on the trade of furs, lumber, and fish. This contrasts to the unhealthful environment the Chesapeake colonists faced. The land of the Chesapeake was often mosquito infested and its inhabitants were constantly in the danger of outbreaks of disease.The Ch esapeake’s economy focused on tobacco as its main export, meaning that the fate and the well-being of many Chesapeake colonies relied on the demand of tobacco products back in the Old World. Another factor that can shape a society is the actual makeup of the people within the society. The colonies in New England were primarily settled by entire families forming communities with other families. There are many accounts f the emigrants on board ships bound for America and very often the ships travelling to New England had examples of entire families seeking a fresh start with husbands, wives, sons, daughters, and occasionally servants (Document B). In contrast, the lists of emigrants bound for the Chesapeake usually held a majority of young men, unrelated to one another and a small portion of young women, again, unrelated. It seemed only individuals, most not even at the age of 35, came to the Chesapeake to start their new lives (Document C).This of course meant that the society in New England was oriented around family and understandably focusing on the well-being of those related to the colonists. In the Chesapeake most colonists held no relation to each other and so didn’t terribly care for anyone else but themselves. These factors by themselves would be enough to see an ostensible difference between the societies, however there are still more factors that led to the dissimilar developments of these two unique cultures. The Puritans that came to New England had a history of cooperation and a focus on the good of the Puritan community.After they left England to worship as they pleased and avoid persecution they went to the Netherlands. Eventually many Puritans became worried that their children would become â€Å"Dutchified† and wanted to retain their culture. To avoid further Dutchification the Puritans got a charter from the Virginia Company to settle in the New World. They landed off the mark however, perhaps to their benefit as they wer e supposed to land in the unhealthy Chesapeake, and found themselves in what would eventually become New England.In 1630 a man on board a ship sailing to New England named John Winthrop wrote what he thought would be A Model of Christian Charity. His views of course pleased his fellow New Englanders as he was destined to become the Governor of the Massachusetts Bay Colony for many years. His views expressed in his writings seemingly portrayed most Puritans opinions on the ideal community where all families, rich and poor, ought to work cooperatively for everyone’s benefit and have the utmost brotherly affection for each other.Failure in doing so would result in God’s withdrawal of his assistance and allow His enemies to speak ill of Him and His way of life (Document A). Clearly New Englanders held both God and cooperation in the highest reverence. In stark contrast, a certain Captain John Smith wrote an account of the history of Virginia in which he once described his colony in a manner that would surely displease Winthrop. Captain Smith describes the food of many of the colonists being merely meal and water, men focusing only on finding and selling gold, and a group of deserters trying to return to England (Document F).The colonists were ill prepared and focused more on wealth than provisions, showing no real sense of community or cooperation. It seems then that New England would be destined to develop into a series of tight knit, pious, cooperative communities where the Chesapeake would consist of those who eventually succeeded in finding their fortunes and those who would eventually have to be employed by them. While all colonies were ultimately under the control of the royal government there were varying degrees of control over each colony. Some colonies, like the ones in the Chesapeake area, were appointed a royal governor.Others like the New England colonies elected their own officials and often had freemen participate in government. A comm on theme throughout the history of the Chesapeake colonies is their dependence on the royal government for protection and provisions. In 1673 Governor Berkeley of Virginia had written a declaration stating how vulnerable his colony was to attack to the royal government . Berkeley claimed that there was more land to defend than the amount of men could handle, and that there were as many servants as there were freemen protecting the frontiers (Document G).Of course Berkeley was looking for royal intervention, something he in all likelihood did more often than not. However while the dependence on royal government of the Chesapeake colonies by itself may be enough to cause substantial amounts of unrest, there was also much corruption in the colonial government. There was eventually a rebellion of freemen and others who felt that the upperclass of the Chesapeake colonies were using the workers and servants to benefit themselves and not the community. This rebellion was named Baconâ€℠¢s Rebellion after the man who led the revolt.Bacon eventually wrote his â€Å"Manifesto† explaining why he lead the revolt against Governor Berkeley. Bacon calls to attention the fact that many officials would suddenly gain much wealth and power that seemed almost impossible to achieve given their status entering the colony. Bacon also claims that the colonial officials were taking from public wealth and resources to increase their own power (Document H). Bacon and many others like him were tired of being controlled by those who they believed to be corrupt and thieving.Both of these instances show how the Chesapeake colonies relied on royal officials to govern them. This may be due to the fact that the Virginia Company was basically in control of the Chesapeake while it was still at first being colonised, and most of the men didn’t care about who was in charge so long as they could find a way to obtain their fortunes. The Chesapeake colonist’s goals were shorts ighted and put themselves in a prime position to be oppressed by disregarding the importance of their roles in government and focusing on their pursuit of wealth.Where the Chesapeake colonist’s actions are a prime example of how to allow a group of people to be oppressed, the New England colonists took a very hands on approach to their own government resulting in an overall better quality of life and community. There were many regulations and articles that the colonial government set forth to keep their communities running smoothly and fairly. In 1636 there were several Articles of Agreement appointed in Springfield, Massachusetts that set forth a plan to make a proper, Puritan community.The articles claimed that as soon as possible the community would procure a minister for the town, that the town would be comprised of forty families regardless of their financial standing, and these families will have a proportionate plot of land to live on and a section of the meadow or pla nting ground (Document D). The goal of these articles was to allow the town to maintain equal opportunity for all inhabitants to contribute to society in whatever way they could, and to live as comfortably as possible while doing it.In 1676, Connecticut made regulations on wages and prices for its inhabitants to avoid tradesmen and merchants overpricing their goods only to benefit themselves. The regulations also stated that the tradesmen and sellers may receive a moderate profit in order to better serve the community and God as overpricing their wares would be sinful and oppressive (Document E). The New England colonists wished to not only make their new homes in the New World, but also to provide a place where all Puritans and New Englanders can live in tight knit, fair, and model Christian societies.The New England colonists did not only set up model communities for themselves, but also for their children and their children’s children and so on. This reflects the colonists focus on community, self-government, and family values. An important thing to remember about the colonists that settled the Chesapeake and New England is that they once did share a country and society in England even though it may seem that they might as well have came from completely different countries.It is then important to note that simply because two groups of people come from the same country, doesn’t mean they are alike in any way. To look at our own country now, although we are often taught that we can all find common ground amongst those in our society there are still blatant differences in culture between ethnicities, regions, and religions. However, it is more prevalent to look at one’s goals and aspirations to truly see how unique each person or group of people can be.The Chesapeake and New England colonists were both English and where England may seem to have a relatively homogenous culture the goals of the colonists were basically opposites. The New Eng landers wanted a place where they can live and thrive in holy, cooperative, safe communities and provide a place where their people and their children can live the best lives possible. The Chesapeake colonists basically only wanted to find their fortunes and acquire wealth and power. These goals are reflected in both of the regions’ development.Lest we not forget then, that we as a people must now focus on what our goals are. If any lesson can be taken from the development of the New England and Chesapeake colonies now for our country it is that if we focus on short sighted goals like the corrupted American Dream of fortune or the corporations’ and big businesses’ main wishes of continued unsustainable destruction of resources and environments only for profit then we shall perhaps find ourselves in the position the Chesapeake colonists found themselves in.However, if we take a lesson from the New England colonists and focus on building a better tomorrow for our children and society then perhaps we shall thrive in model communities like the ones found in Massachusetts or Connecticut or elsewhere in colonial New England. It is important that we recognise what sort of path we are heading down, we must learn from our past to provide a better future for generations to come.

The Concept of Actionable Information in Economy

The Concept of Actionable Information in Economy Actionable information is the type of information that can be performed on, leading to an achievement or accomplishment of an act. It is the information that causes things to take place, by initiating a sequence of actions and reactions. It means the availability of crucial information instantly obtainable so as to address the circumstances at hand.Advertising We will write a custom essay sample on The Concept of Actionable Information in Economy specifically for you for only $16.05 $11/page Learn More Typically, actionable information is a comparatively minute portion or portions of non- evident elements that can structure an original foundation point for formation of hypothesis. Actionable information is the most important aspect of constructing support. In a nut shell, actionable information is something that facilitates a decision making process and action is provoked as a consequent; thus every organization or business â€Å"need to know† (Streif er Schumann, 2005, p.282). An example of actionable information is an example of share price in the stock market or price of a commodity to the buyer or the seller. For instance, the price of fish in the market along a certain coastline is actionable information to a fisherman, as it gears his decision on where to get his catch and how to sell his fish. Another example is in the case of an economist or a consumer who has a low income. The consumer will regard the information on prices of goods and services as actionable information since it is going to guide his consumption according to the budget constrain. The pricing policy of competitors in a certain industry can also be regarded as actionable information since it will guide the pricing policy of the whole industry and to some extend retention of customers. There are various risks that come up as a result of acting within a situation without actionable information. First, there is a risk of making irrelevant decisions that do n ot address the issue at hand. Without actionable information, an individual or a business is likely to use outdated information or rather use the wrong strategy which could lead to huge business losses. Secondly, lack of actionable information means the business cannot respond to information as soon as it is required. With increased technology in the market, timely delivery of decisions is of essence. The organization should not only be able to make decisions, but also, make quick and timely decisions (Anderson Foley, 2008, p.73). Finally, there is a greater risk of giving the competitors an advantage, the firms should have and make use of actionable information to make decisions sensitive to the market and to competitors’ activities. The actionable information is also important to counter the activities of competitors in the market as well as future directions (Anderson Foley, 2008, p.75).Advertising Looking for essay on business economics? Let's see if we can hel p you! Get your first paper with 15% OFF Learn More Actionable information is indispensable especially with the nature of the 21st century market, advanced technology and global competition. Without actionable information the firm may affect its timeliness and value of inputs in decision making process. This concept is also important in getting to understand the existing capabilities of the firm, developments, high-tech and future directions as far as the market and technology is concerned (Louie, 2011). Actionable information is always crucial in case of emergencies that need to be addressed immediately either to avoid losses, quick delivery of information or any other occurrence in regard to market, suppliers, customers or competitors. Actionable information can be described as a crucial asset in the industry that has the ability to deliver the returns required to sustain the organization in the long term. The land slide created by the speedy advance in technology has aggravated more need for data. From this standpoint, the fast development of knowledge-based devices is an apparent justification that businesses that are preeminently capable of transforming their data into actionable information and facts have an upper hand at durable sustainability. This is so because of the effective decision making, time delivery, and strategy that comes with actionable information. Reference List Anderson, D., Milner, B., Foley, C. (2008). From complex data to actionable information: institutional research supporting enrollment management; New Directions for Institutional Research, Vol. 2008 Issue 137, p71-82, 12p Louie, A. (2011). Actionable information-the one true core asset in the life retrieved from web. Streifer, P., Schumann, J. (2005). Using data mining to identify actionable information: breaking new ground in data-driven decision making Journal of Education for Students Placed at Risk, Vol. 10 Issue 3, p281-293, 13p;Advertising We will w rite a custom essay sample on The Concept of Actionable Information in Economy specifically for you for only $16.05 $11/page Learn More

Forming a Balanced Sentence in English Grammar

Forming a Balanced Sentence in English Grammar A balanced sentence is a sentence made up of two parts that are roughly equal in length, importance, and grammatical structure, as in the  advertising  slogan  for KFC:  Buy a bucket of chicken and have a barrel of fun. In contrast with a  loose sentence, a balanced sentence is composed of a  paired construction  on the level of the clause.   Although not necessarily indicative of meaning  by themselves, Thomas Kane notes in The New Oxford Guide to Writing that balanced and parallel constructions do reinforce and enrich meaning. Because the words that comprise the sentence are the true conveyers of intent, then, Kane intends balanced sentences to be understood as modifiers to rhetoric. Balanced sentences can come in a variety of forms. For instance, a balanced sentence  that makes a  contrast  is called  antithesis. Additionally, balanced sentences are considered rhetorical devices because they often sound unnatural to the ear, elevating the perceived intellect of the speaker. How Balanced Sentences Reinforce Meaning Most linguists agree that the primary utility of a well-stated balanced sentence is to provide perspective for the intended audience, though the concept does not convey meaning by itself. Rather, the optimum grammar tools to convey meaning are, of course, words. In John Peck and Martin Coyles The Students Guide to Writing: Spelling, Punctuation, and Grammar, the authors describe the elements of balanced sentences: [Their] symmetry and neatness of structure... lend an air of being carefully thought out and weighed. Using this type of balance and symmetry can be particularly helpful for speechwriters and politicians to emphasize their points. Typically, though, balanced sentenced are considered to be a more conversational and, therefore, are most often found in poetic prose, persuasive speeches, and verbal communication than in academic publications.   Balanced Sentences as Rhetorical Devices Malcolm Peet and David Robinson describe balanced sentences as a type of rhetorical device in their 1992 book Leading Questions, and Robert J Connors notes in Composition-Rhetoric: Backgrounds, Theory, and Pedagogy that they developed in rhetorical theory later in its practice. Peet and Robinson use Oscar Wildes  quote children begin by loving their parents; after a time they judge them; rarely, if ever, do they forgive them to express balanced sentences as unnatural to the ear, used to impress, to suggest wisdom or polish, because they contain two contrasting and balanced elements. In other words, it presents a duality of ideas in order to convince the listener - or in some cases reader - that the speaker or writer is being especially explicit in his or her meaning and intent. Although first used by the Greeks, Connors notes that balanced sentences arent presented clearly in classical rhetoric, and often confused with antithesis - which is a different type of balanced sentence. Academics, Edward Everett Hale, Jr. notes, do not often use the form, as this form is rather an artificial form, conveying a natural style to prose.

Will be uploaded later Essay Example | Topics and Well Written Essays - 2000 words

Will be uploaded later - Essay Example This has improved the consumer research process used by manufacturers. The article selected for analysis concerns Skagen. Skagen is a US cross-border company, which deals with accessories brand particularly wristwatch brand, handbags, jewellery, and other durable personal disposals. The selected article concerns Skagen’s endeavours of seeking expansion into the UK retail market. The author of the article is Mark Lewis. Lewis posted the article in Financial Times on February 17, 2013. The reason for choosing the article is that the author highlights critical aspects that I will use to review various theories in retail development, theories of retailing, and principles of retailing. Most authors have begun focusing on retail marketing from a theoretical angle. There is no single theory which is universally acceptable or applicable. The applicability of each theory differs from one market to another. The variations are brought about by the different socioeconomic conditions and the maturity level of the market. These theories basically revolve around laying emphasis on the importance of establishing a viable competitive advantage and developing investments that are within an organization’s capabilities. Varley (2005) notes that for these theories to be effectively implemented strategic plans must be set up by the retail organizations to identify market signals and opportunities that occur dynamically. The theories are environmental, cyclical, and conflictual. The article recommends that Skagen’s strategy of expansion should be based on quality product rather than brand exposure. In the contemporary market arena, customers have shifted bases of their purchase decision-making from price or brand popularity to specific attributes of the product that meet their requirements. Charles Darwin’s theory on natural selection or the survival for the fittest can also define this theory. Retail organizations are economic entities that deal