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Are German Banks Riskier Than Some European Competitors - Free Essay Example

During this assignment, the German banks data were compared to that of France and Italy banks. A simple regression analysis was performed. The data suggests that there are great variations in the basic principles when are applied in finding out the exact risks. In general, it is noted that that the France and Italy banks are more riskier than the German banks. In the financial institutions, the risks are assessed in a very particular manner. The purpose of discussing risks is to encourage the investors in the banking sectors. Therefore the managements and high level authorities in the banking system apply the various tools in addressing the risks. It is very eminent that the with out the support of the banking systems by and large the businesses can not grow, as these should be. Therefore there must be some ways of addressing the risks in the very first place. Including to satisfy the share holders and stakeholders, and other stakeholders, (Watson and Head, 2005). There are eminent differences in between the emerging market financial systems and the banking systems of developed countries. However the reasons for this significantly. It is noted that the various researchers, scholars, and academicians have shown divided ideas. As we can that some of them had a firm view about the unstable macroeconomic environment, and rest of the scholars have come forward with the point about weaker risk management practices, (Beck et al. 2003). Keeping the importance of risks assessment and its management, the followings are highlighted, so that this issue can understood in an acceptable way. Literature of Review: The banks invest their money in the different projects, such as buying of shares, construction projects, and other financial intuitions. There is also a fact that the management s in the banks monitor, evaluate and judge the performance of their projects during and after the completion of projects. Similarly, Ma, and Eli (2005) indicated that the implementers in the banking sectors must get the lessons for the previous years, failing to this would be failure of the whole project. Basically they (Ma and Eli) did support the theory of application, which suggests that investing directly to the system do not justify the action. There must be a some kind of rational in addressing the risks in the financial and highly competitive environment. In addition, to above, according to Bank for International Settlements, (2002) and Topping (2005) while highlighting the importance of risks evaluation and its management indicated that the some of the factors which contribute the risks are such as, the changing nature of macroeconomic risks, new forms of risks to the banks, and whether or the abilities, skills and other measures have really improved in addressing the issues of risks. In very simple words, it is found that the risks increase when the banks do not imply certain methods. These methods are related to see and judge the results of previous years when there were projects in the pipe lines. Some of the high rated researchers, scholars and professionals such as Chris (2008) and Topping (2005) basically indicated the following levels are addressed and if done, then there are less chances of increasing risks, such as: Risk identification: This is very basic stage where the banks can identify the risks. In simple meaning in the inputs are discussed broadly, and its implications are noted before, during and after the completion. In broader sense, this is done at the sites, where projects will be launched. Particularly, the following points can help in identifying the risks, such as: à ¢Ã¢â€š ¬Ã‚ ¢ Who will take responsibility for risk identification? à ¢Ã¢â€š ¬Ã‚ ¢ Process for risk identification, including existing and new products, and à ¢Ã¢â€š ¬Ã‚ ¢ Regularity in reviews. Risk measurement: The followings nine factors can be measured during risk measurement such as: Capital, Assets, Market risks, Earnings, Liabilities, Business, Internal Controls, Organisation, Management. Whereas while talking about frequency of risk measurement, the followings should be noted very carefully, such as: Sources of data, it includes market prices and position information Risk measurement tools, given the complexity and level of risk assumed, Ability to measure risk at both transactional and portfolio levels. Methodology to ensure all identified risks are monitored, Accuracy, and clarity of monitoring reports, Involvement of management and staff in having the reports, Comparability of output against predetermined limits. https://www.fsa.gov.uk/pubs/policy/p10.pdf The benefits of risk assessment: There are multi-layered assessment benefits to the banks and financial institutions. It include such as to make profits and distribute among the shareholders. It helps the clients for the banks others (employees) satisfied. This brings more jobs to the public and indirectly helps in boosting GDP. The risk assessment keeps busy the staff in doing their professional work. It can be seen that the supervisors need to spend time on-site discussing the issues with senior bank management. The time taken to perform this work will vary from bank to bank depending on the size and complexity of the institution. However, following a risk assessment, the supervisor will be better placed to decide on the intensity of the future supervision having obtained a better understanding of a banks risk profile. The intensity of supervision and the amount and focus of supervisory action will increase in line with the perceived risk profile of a bank. One advantage this has for banks is that the cost of supervision, in terms of management time or through direct costs. WE have to agree that the banks pay high costs for initial assessments, and in turn if their projects are completed, the banks then take benefit of having high wages and other facilities. The bank official especially in the third world are highly paid. Table 1 shows the three pillars in the banking sector Pillar 1 Minimum Capital Requirements Pillar 2 Supervisory Review Pillar 3 Market Discipline Market risk _ No changes from Basel I Credit risk _ Significant change from Basel I _ Three different approaches to the calculation of minimum capital requirements _ Capital incentives for banks to move to more sophisticated credit risk management approaches based on internal ratings _ Sophisticated approaches have systems/controls and data collection requirements as well as qualitative requirements for risk management Operational risk _ Not explicitly covered in Basel I _ Three different approaches to the calculation of minimum capital requirements _ Adoption of each approach subject to compliance with defined à ¢Ã¢â€š ¬Ã‹Å"qualifying criteria Banks should have a process for assessing their overall capital adequacy and strategy for maintaining capital levels _ Supervisors should review and evaluate banks internal capital adequacy assessment and strategies _ Supervisors should expect banks to operate above the minimum capital ratios and should have the ability to require banks to hold capital in excess of the minimum (i.e., trigger/target ratios in the United Kingdom; prompt corrective action in the United States) _ Supervisors should seek to intervene at an early stage to prevent capital from falling below minimum levels Market discipline reinforces efforts to promote safety and soundness in banks _ Core disclosures (basic information) and supplementary disclosures to make market discipline more effective Source: KPMG, 2003. The Table 1 above shows the details of three pillars. These guidelines are apparently seems to be quite added information for the banking managements. But again there is an inverse argument, who accepts the challenges, threats and then commits to carry out the assessments, so that the future risks could be minimised at least. Methodology and Data: The data for the banks regarding Germany, France and Italy was analysed by the Excel programme. During this analysis, a simple linear regression was carried out. There were altogether 8 parameters which were used. However in case Germany banks were compared to that of France and Italy. The parameters were such as, index, loans, equity, LA, NIM, ROAA, ROAE, and CIR. As a matter of fact these parameters are the base lines for the banks to work/operate in the competitive financial markets. Results and Discussions: The results of the analysis are presented below. It has already been indicated that the German data is compared to that of France and Italy. The Figure 1 below shows that the relationship between the German banks and France banks seems to be very poor. It means that the ways the German banks are applying are entirely different to that of France and vice versa. Figure 2 discusses the regression analysis of German banks versus Italy banks on the basis of index. It can be seen that again the relationship still very week. The data regarding loans is presented in the following Figure 3, in this case German banks were compared to that of France banks. The results show that the way the German banks are obtaining or lending loans are not comparable to that of France. It can also be seen from that Figure 3 that R2 value is too weak. Figure 4 shows the data comparison between the German banks and Italian banks. Again the regression analysis indicates that there is not good relationship between the two. Even when we look at the equation, it suggests that Italian banks approach is entirely negative to that of German banks regarding extending loan facilities to the businesses. In reality equity is the very important parameters, banks work against equity either way. It means if banks are getting loans from other financial institutions, it works on the basis of equity. It also argued here that the poor relationship between the German banks and France clearly demonstrates that there are more risks for the France banks when compared to German banks (Figure 5). Figure 6 highlights the comparison between German banks and Italy banks. The relationship between the two still very poor. It can also be seen that this relationship is negative. The data regarding LA is presented in Figure 7 and the relationship between German banks and France is indeed very poor. The results of LA regarding German banks and Italy banks suggest that there is negative relationship between the two. The same can be seen from Figure 8. Figure 9 suggests that the relationship regarding NIM for German and Italy banks negative, it means no relationship at all. The data concerning NIM is presented in the Figure 10. It can be seen that the relationship between the German banks and Italy very poor. As this relationship shows negative relationship. The analysis of ROAA regarding German and France banks is given in Figure 11. The negative relationship shows there is no strength in particularly applying the same approach. Again this ratio is highly important to note the differences in the banks. The results of analysis are given in Figure 12. It can be seen that there exists negative relationship between the German banks and Italy banks. Data regarding ROAE ratios is compared between the German and France banks. The same can be seen in Figure 13. The negative R2 value indicated the weakness of the relationship. Figure 14 suggests that the relationship between the German and Italy banks is negative. It means that the way the German banks are calculating ROAE is not same in case of Italy. The data in reference to CIR is shown in Figure 15. The comparison between the German and France banks shows that there is a negative relationship. The comparison about CIR between Germany and Italy clearly shows that there exists negative relationship. The same data is shown in Figure 16. When we look at the Figures above, in most of the analysis conducted for the various parameters show that there is a negative relationship. It means that the strength of the approach differs. As a matter of fact, it is argued that the methods of calculating risks are nearly similar in the German, France and Italy banks. So a question arises, why it is so? There could be many reasons behind the explanations. But very viable and quite acceptable refers to the non availability of the data during the months and years. The data shows big gaps, and further suggests the approaches in calculating risks in the banks are not same as in regarding Germany. Conclusions and recommendations: When we look above, it can be seen that there are different ways and means are being used by the three countrys banks in calculating the various ratios, including loans and debts. It is also very clear that there is no relationship when the data were tested through regression analysis. There is likely possibility that the German banks are not using those principles, where are used by the France and Italy banks, or vice versa. Concerning recommendations, it is suggested that the German banks if use the similar way of in disbursing loans especially; there is high probability that the risks could be deep down compared among the three countrys banks.

History of Modern Psychology Anna Freud - 1346 Words

Male visionaries dominated in the philosophical contributions to the psychology as a formal discipline; however, many prominent women pioneered major roles in psychology history between 1850 and 1950 (Goodwin, 2005). Freud Sigmund was not only among the Freudian to build credibility in psychology field, this is because Anna Freud-her youngest daughter took career in psychology and made important contributions in the history of psychology. The paper will discuss the background of Anna, her theoretical perspective, and the contributions she made to the field of psychology. Anna’s Background Martha and Sigmund had six children, the youngest was Anna born in December 1895. Anna was a mischievous girl who had great admiration the work of her†¦show more content†¦Ego psychology usually represents the followers of Anna and Sigmund Freud teachings (Coles, 1992). Present day ego psychology is loyal to Freud’s work with a foundation of psychoanalysis, although it is more ordinary and practical of the ego in the application of psychoanalysis. Anna Freud mentored Erikson Erik, who is popular for his expansion works in ego psychology field and psychoanalysis (Goodwin, 2005). The mentorship of Anna influence Erik professional and academic career in psychology. Anna and Erik when he was tutoring children in Heitzing School managed by Dorothy Burlingham, a longtime friend of Anna. Anna saw the skillful manner of Erikson with the children and showed her interest in guiding Erik to study more regarding child psychology. According to Young-Bruehl, (1988) the main passion of Anna was child psychology. Anna devoted most her energy and time analyzing and studying children suffering traumas, majorly from the effects of the war. Most of the children were predisposed to lasting traumas, while others were blind or handicapped. Anna normally stated that she was happy she did not have her own children, despite the years on her life she devoted to help children she barely knew. Sigmund had focused entirely on adultsShow MoreRelatedAnna Freud. Bio Essay1357 Words   |  6 PagesAnna Freud The philosophic contributions to the formal discipline of psychology have primarily been dominated by male visionaries, but many notable women pioneered a role in the history of psychology between 1850 and 1950. Sigmund Freud was not the only Freudian to establish credibility in the field of psychology, as his youngest daughter Anna Freud pursued a career in psychology and made significant historic contributions. Anna’s background, theoretical perspective, and contributions to theRead MoreMoore 1. Kristen Moore. Mrs. Kristy French. English Iii1443 Words   |  6 Pagesthe Relevancy of Freudian Psychology When one unintentionally says something that reveals their thoughts, this is known as a Freudian Slip. 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Freud (1856–1939) depicts a diagram to explain the system of psychological internal work. This plan is a â€Å"topographical† map that classifies thought into three sorts: conscious, preconscious and unconscious. Later, he assumes the latter as a basic introduction to his theory. In turn, his schemes consider three contradictory forces: the biological, psychological and social aspects. Freud argues that human behavior is controlled by two things:Read MoreThe Development of Counseling and Psychotherapy1862 Words   |  7 Pagesin Freuds contributions. However, modern bodies of thought have over time contributed towards the shaping of quite a number of modern counseling and psychotherapy approaches. During the 1880s, Freud was involved in a number of research studies in an attempt to shed some light on the workings of the human brain. The setting of the studies at that time was Vienna. As Sommers-Flanagan and Sommers-Flanagan (2012) note, it was at the University of Vienna that Freud undertook his undergraduate studiesRead MoreSigmund Freud Essay1721 Words   |  7 Pagesâ€Å"Man is a wolf to man.† These are the words that surprised millions when Freud first opened the discussion of human nature (Freud). Sigmund Freud, born in 1856 and died in 1939, was known to be the father of psychoanalysis (Jones). He lived his whole life trying to reach into the human unconsciousness and unravel the puzzle of life, human personality, and human nature (Chiriac). Sigmund Freud was influenced by the environment post World War I, and influenced the world through his theories and hisRead MoreDr. Franz Anton Mesmer s Theory Of Magnetism Essay1599 Words   |  7 Pagesinto a therapeutic design. Sigmund Freud was among Charcot’s bulk of successful students. Engrossed in the psychological aspect of the mysterious phenomenon, Freud would apply hypnosis as an advantageous practice within a therapeutic setting. Close friend and psychologist Josef Breuer introduced Freud to the healing techniques of hypnosis through the disclosure of details regarding one of his hysterical patients famously known as Anna O.. Breuer would engage Anna O. in a hypnotic state in which she

Knowledge Audits for Business Analysis Creative Leadership

Question: Discuss about theKnowledge Audits for Business Analysis for Creative Leadership. Answer: Introduction: Creative Leadership Portfolio Title: Innovative leadership and creativity Link: https://www.youtube.com/watch?v=lM9s8Z6zU5c Discussion: The video describes about the fundamentals of knowledge and creative leadership. The video highlights the fact that creative leadership requires superior knowledge and it is very difficult to find. In this video, the emphasis is on the creative skills of the leaders. The video also highlighted that the major attributes of the leaders must include creativity. Furthermore, the video emphasis that creativity attributes of leaders will influence organization to construct an innovative and creative culture in the organization. Reflection: From this video, I have learned many interesting facts about the knowledge and creativity. I have able to evaluate that creativity can enhance the efficiency of the leaders. I have learned that if organizations able to utilize innovations and creative ideas properly, it will definitely help the organization to fulfill all its objectives. I have also identified that creativity attributes help the leaders to develop innovative ideas that can have major impact on the organizational success. Title: Human leadership Link: https://www.youtube.com/watch?v=njn-lIEv1LU Discussion: The video focuses on the human touch that is necessary to implement effective leadership style within the organization. The video also highlighted the basic style of leadership and also several factors that can affect the effectiveness of the leadership. Many theorists have mentioned leadership is a science while several other theorists have mentioned it as an art. However, the video highlighted that leadership is actually a combination of science and art. It also highlighted the significance of human touch in the leadership style to take the organization forward. Reflection: From this video, I have learned that human touch is very important to develop effective leadership style. I have understood that employees often like to work under the leaders that have specific human touch in their style. I also believe that it is necessary for the leaders to evaluate different perspectives of the employees to implement effective human touch to it. Title: Tyrannies of creative leadership Link: https://www.forbes.com/sites/berlinschoolofcreativeleadership/2015/04/01/seven-tyrannies-that-creative-leaders-must-overcome/#33d75dfd1b0b Discussion: The article highlighted the significance of developing creative culture at the workplace. However, it has also mentioned that creative culture is very difficult to develop. There are several issues or challenges related to creative leadership style that author highlighted as the tyrannies of leadership. The article highlighted the key challenges and issues of creative leadership are creative halo, bureaucracy, lack of motivation, creative halo among the employees. Reflection: From this article, I have learned several perspectives of creative leadership. I have also able to understand the kind of issues and challenges that organizations face at the time of utilizing creative leadership style. Therefore, I feel that it is not easy to develop a culture of innovation and creativity. Title: Role of the leaders in developing creative culture Link: https://press.princeton.edu/chapters/s9933.pdf Discussion: The article focuses on the role of the leaders within a particular team to construct a creative culture in the organization. The article mentioned that leaders would have to assess their role in order to prioritize them. The article highlighted that major priority of the leaders is to engage with the right employee at the right time in a right order so that creative work culture can be developed. The article also mentioned that organizations have to take a top-down approach to develop creative work culture. Reflection: From this article, I have learned insights about the different perspective of leadership that can help organization to develop creative work culture. I have also understood that it is necessary for the organizations to construct a platform so that all levels of employees can able to share their thoughts and believe effectively. I have also able to understand that communication is among the major factors that can help organizations to develop creative work culture. Title: The leadership dynamics: innovation and creativity Link: https://www.regent.edu/acad/global/publications/jsl/vol1iss1/JSL_Vol1iss1_Agbor.pdf Discussion: In this article, the focus is on the requirement of creative leaders for the knowledge-based companies. In the present competitive business atmosphere, organizations have to utilize creative leaders to maintain its position in the market. The article also mentioned that effective utilization of creative leadership could help organizations to improve its position in the market. For that reason, the article highlighted that importance of creative leaders in the present business environment. Reflection: This article helped me to understand the significance of utilizing creative leaders in the present competitive business environment. I believe that creativity is among the major factors that can help organizations to separate themselves from its competitors. Therefore, I feel that it is necessary for the organizations to utilize creative leadership style. References: Forbes.com. (2016).Forbes Welcome. [online] Available at: https://www.forbes.com/sites/berlinschoolofcreativeleadership/2015/04/01/seven-tyrannies-that-creative-leaders-must-overcome/#33d75dfd1b0b [Accessed 1 Sep. 2016]. press.princeton.edu, 2016. [online] Available at: https://press.princeton.edu/chapters/s9933.pdf [Accessed 1 Sep. 2016]. www.regent.edu, 2016. [online] Available at: https://www.regent.edu/acad/global/publications/jsl/vol1iss1/JSL_Vol1iss1_Agbor.pdf [Accessed 1 Sep. 2016]. YouTube. 2016.Mark Batey on leadership and creativity. [online] Available at: https://www.youtube.com/watch?v=lM9s8Z6zU5c [Accessed 1 Sep. 2016]. YouTube. 2016.Truly human leadership: Bob Chapman at TEDxScottAFB. [online] Available at: https://www.youtube.com/watch?v=njn-lIEv1LU [Accessed 1 Sep. 2016].

Zipcar free essay sample

It has a wide range of automobiles for its members to choose from including Volvos, mini coopers, pickup trucks and many more. Each vehicle has a designated parking space in a street or parking spot within the members’ area. It serves over 14 major markets in North America and Europe such as Boston, Portland, Vancouver, London and many others. Members are issued access cards. This allows one to unlock the doors in case the keys are still inside the automobile. They can make reservations online or by making a call. Zipcar allows its members to make reservations even up to a year in advance. It also offers an application on the iPhone. This application enables members to honk the horn so as to locate the car and also to unlock the doors. Zipcar charges an application fee only once along with an annual fee. These are charged depending on the market prices. We will write a custom essay sample on Zipcar or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Reservation rates vary depending on day of the week, model of the vehicle and the market. Gas and parking prices are included in the reservation rates. In 2007, Zipcar combined with Flexcar, a rival company, to build a car-sharing corporation with a nationwide reach. Zipcar has made significant contributions to the environment. This system of car-sharing encourages individuals to use cars only when they need to. Persons with their own cars tend to drive them whenever they want even when it is not necessary. This exposes the air to unnecessary emissions of carbon dioxide. On the contrary, Zipcars enable people to use cars when need arises. Therefore, use of Zipcar services greatly reduces air pollution. Environment In addition to reduction in levels of air pollution, the use of Zipcar services leads to reduced congestion on the roads. It also leads to reduced total mileage on vehicles implying that less fuel is used. The significance of Zipcar to the environment and the local communities is quite apparent in that it has become very important in the metropolitan transportation mix. A number of residents in urban areas have increased their use of public transportation, with a number of them getting rid of their own cars so as to make use of car sharing services such as Zipcar. The most effective way of reducing emission of greenhouse gases into the environment is by reducing the number of vehicles on the roads. This is what Zipcar aims to do through their car sharing services. The more individuals are encouraged to use this car-sharing service the less they make use of their own personal vehicles, thereby reducing congestion on the roads. As Zipcar progresses, it seeks to find even more ways to protect the surrounding and reduce risks that the environment is exposed to. Segmentation Market segmentation refers to the division of the targeted market into subsets so as target prospects that will give the highest returns. A market segment is a section of individuals with like traits that make them demand the same products and services. Market segmentation allows a company to focus their resources on market segments that yield the highest returns. An effective market segment is one that has its own unique needs. Individuals in this segment have the same needs. In addition, reaction of the members of this segment to market stimuli should be the same. Market segmentation can be done on a number of bases. Zipcar has done this on four bases. Its market segments are consumers, businesses, government and universities. It targets the consumers so as to provide them a less expensive hence cost effective means of transportation. Car rentals and car ownership are becoming quite expensive especially in the current economy thus individuals are embracing this system of car ownership (Leboyer, 2009). Another market segment for Zipcar is businesses. Businesses that require a lot of transport for their goods may need cheaper ways to do this. Zipcar provides a cost-effective avenue of transporting items. Zipcar is also available in a number of universities. Students in the campus are constantly looking for ways to minimize their expenditure. It would be very expensive or a student in the campus to maintain a car they own or to rent a vehicle when they need one. Thus, car sharing services such as Zipcar are highly effective in universities and the trend is catching on quite fast. The last market segment for Zipcar is the government. It works with the government to substitute and expand fleets. Before Scott Griffiths became its Chief Executive Officer, Zipcar operated more like a nonprofit organization targeting those close to where Zipcar was situated. Scott Griffiths came up with ways to increase its market base and make it a high profit earning company. Zipcar’s marketing strategy at the time was very costly, and a cheaper means of advertising needed to be found. Though there were advertisements everywhere around the city, individuals were not signing up to enjoy the services Zipcar offered. Marketing Strategy Scott Griffiths came up with ways to minimize advertising costs and reach more people at the same time. In public places such as movie theatres, there are posters of Zipcar and brochures of the organization and what it has to offer are issued out to the public. Zipcar aims to make everyone aware and willing to use their car sharing services. Zipcar has faced a number of challenges and also has many competitors in the same industry. Major competitors include U Car Share, PhillyCarShare and Co-operative Auto Network. They are classified as major competitors because they share the same market and have similar organizational forms. Zipcar operates in many major markets, thus the system of leadership is decentralized. Each market has its own manager and staff. This may lead to lack of proper communication due to lack of direct contact. Different branches may have different organizational cultures. This leads to the difference in opinions and leads to unnecessary disagreements. Lastly, though Zipcar recently added accommodation for disabled persons, it does not provide enough information about it on their website. This may discourage prospective consumers from joining. Zipcar should, therefore, aim at maximize visibility of all options on their website. Awareness is the first stage of customer loyalty and is an inevitable stage if a company a business has to have clients. Zipcar has seen most of its customers passing through his stage. Given the fact that most of the clients in the company are return clients, there is a clear indication that many are aware of existence of Zipcar. What remains to be of concern to Zipcar is the ability to convert those that are already aware of the company and the expeditions it offers. Exploration is the second most important stage in customer loyalty. Taking a look at the Zipcar, we find that awareness is on an average level. This is demonstrat ed by the fact that most of the clients to the company come from neighboring states. Most of, would be customers, fail to develop interests in the using the company services which makes them not to enquire on what the company has to offer. Familiarity is what has made many that are joining the company to always participate in and come back for the services. The fact that most of those that participate in biking come from neighboring states present an issue, which is familiarity. Commitment is the stage that Scott Griffiths would wish to always achieve and maintain. The level of commitment of customers of Zipcar is high. This is demonstrated by the repetitive participation of customers in the expeditions. This means that such customers are satisfied with whatever the company offers. If it were not so, the company would not have been witnessing eighty percent participation of past participants in its motor expeditions (Leboyer, 2009). SWOT and PEST Analysis The company’s strengths include the fact that Zipcar aims to find out exactly what consumers need and how to satisfy those needs. When Griffiths became the CEO of Zipcar, he found that that people were aware of Zipcar and the services they offered but did not trust them. Therefore, Griffiths came up with ways to make Zipcar more accessible to residents. Scott also increased the makes and models they currently had so as to better fit the needs of the younger generation who required fancier cars. In addition to this, strength of Zipcar it the use of technology to satisfy consumer needs. An example of this would be automated access by members using the Zipcard. As explained before, the Zipcard allows members to unlock the doors. Information about Zipcar is available on the internet making it easier for consumers to make reservations and get more information on Zipcar locations. Zipcar has had a number of innovative unions, for example, with the iPhone. Zipcar has an application on the iPhone that allows members to honk the horn to locate the cars and to unlock them, as well. Zipcar collaborated with universities to make their services accessible to students. It got the universities to pay for insurance. However, Zipcar also has several weaknesses as an organization. First, all Zipcar operations are dependent on technology. This includes the billing system, reservations, and many other functions. This suggests that if something were to go wrong with the technology say hacking, for example, then Zipcar would face a lot of damage. Zipcar should ensure protection of its data through constant backups. Zipcar has lots of opportunities in this market if they will take quick advantage of it before their competitors. Consumers aim is to save money. They go for options that are most convenient to their needs. Thus, Zipcar needs to focus on getting non-members to believe that they actually need their car sharing services. They can do this by use of demographics and extensive advertising. Zipcar is mainly used during the night and on the weekends. Zipcar should look for ways to encourage members and non-members to make use of their services during the day so as to maximize their profits. Zipcar can also increase its market base by looking into the opportunity to reserve cars for long distances and one-way trips. Zipcar should also look into ways of retaining student members even after graduation (Smith, 2011). There is also an opportunity for growth in transit connections, Zipcar should, therefore, look or ways of maximizing on that. Zipcar faces a number of threats including competition from nonprofit car sharing companies. Consumers may prefer to join this companies rather than Zipcar which is not a nonprofit organization. Additionally, Zipcar aces threats from rental companies that are now offering car sharing services, as well. The ever increasing fuel prices are also proving to be quite a challenge for Zipcar. This is because even though they transfer additional costs back to the consumer, they cannot charge prices that are too high as they will lose their customers (Leboyer, 2009). Using the PEST analysis, Zipcar also faces a lot of challenges. Zipcar is a company; therefore, it has to adhere to company policies as stipulated by the law. It, therefore, has to keep in line with ever changing laws. Political interference is also an issue. However, the political status of the United States is stable at the moment. The company faces an uphill task of maintaining its neutrality on governance issues especially during the electioneering period. Operating in a federal state, Zipcar faces a great challenge of having to comply with by-laws that may differ from one state to the other (Capon, 2009). The current economy is not very stable and this presents a problem for Zipcar. The cost of living has gone up and people look for ways to minimize costs. Zipcar has to look for ways to attract its customers and convince them that it is the cheaper option. Socially, Zipcar is embraced by the society and with the increase in a variety of cars available to consumers; it has been able to increase its popularity. Zipcar operations depend majorly on technology. It is paramount, therefore, that Zipcar is aware of changing technology and that it changes with changing times. Conclusion Zipcar at the moment has partnered with a lot of companies which has made it easy for them to penetrate the European market. Zipcar has also has also developed an apple application that honks car horns and unlocks some Zipcars. In June 2010, the company filed registration process for the initial public offering. The company finally went public when the first Initial Public Offering in April 2011 raised more than $174 million by issuing 9. 68 million shares. They exceeded their target during this process. Goldman Sachs amp; Co. and J. P. Morgan Securities LLC are acting as the joint book-runners for the offering. Cowen and Company, LLC, Needham amp; Company, LLC and Oppenheimer amp; Co. are acting as co-managers. The reason for going public was to help raise funds for debt repayment and expansion of the business. They needed more working capital to help develop new services, sales, marketing activities, capital expenditures and general corporate purposes. Zipcar has overall membership of over 400,000. This is a sensitive market hence every marketing strategy used by the company reflects in its overall operations. Car sharing reduces parking commotion in cities and provides services to its customers. Since the benefits are intangible, the company focuses on satisfying their customers to maintain and improve its market share. Consumers’ great influence is value, utility, and benefit of the product or service. The decision- making process involves stages that the marketer can influence and intervene to attract customers. Recommendations The marketer should trigger the need of the consumer and know the time to emphasize its product or service to consumers to survive in the market. The marketers should put efforts to establish its distribution channels and the location of the business to access more customers to improve profits. Markets should have a comprehensive marketing strategy to produce better results and acquire customer loyalty. The company should take time to analyze its competitors in order to formulate and implement programs that are customer focused. The marketer should identify changing goals of consumer trends in future consumer behavior to ensure a good future performance of the company. The researcher should conduct effective and reliable market research to help the company making the right decision in the process of marketing its product or service. Zipcar has so far done well with its marketing strategy. However, with increased competition and other challenges, the company needs to devise other ways of marketing its products. This can include short term price concessions. This will enable the company to continue expanding while at the same time maintaining its existing clientele. Price concessions would easily boost up the sales of the company given that Zipcar’s products are price elastic. This strategy would also work well for the company given that its competitors have less financial power to compete on the basis of price concessions (Pride, 2011). Groupon and Linvingsocial is another great resource they should be taking advantage of. These are companies that aim at giving customers services at discounted prices while helping companies create awareness of services they have to offer. These two companies have become very popular to young adults, graduates and new parents. New deals on these sites everyday are sorted out by lots of clienteles who want to enjoy freebies during this recession period. Using such marketing schemes will help build awareness for Zipcar while creating a new set of customers. Zipcar also needs to invest more on e-mail marketing. Zipcar can use e-mail marketing strategy to developed and expand its clientele. This can be done through linking its services and or portal to emails through permission channels. This would make it possible for a person surfing to get more information about Zipcar deposited on their mails. It should be done in a manner that would enable information on up-coming expeditions deposited into the e-mails of subscribers. E-mail marketing of Zipcar should be designed to provide feedback mechanism. This means that hyperlinks and hypertexts should be incorporated in its design to enable bloggers to get into Zipcar portal in the shortest time possible. E-mail marketing would be far much better than print mail advertising. This is because e-mail advertising would provide for. I major advantage they should be exploring is franchising. This will enable them grow very fast in the global market rather than just relying on merger and acquisitions only. Reason why is because the local market knows their customers already and would be easier to convince the community of the benefits of Zipcar. The trust of a local owner in a developing country is highly beneficial for the company who is aiming at going global. The communities will not see Zipcar as a corporation who is trying to impose their eco-friendly values on them but as a business that understand their needs and is ready to offer its services to ease their everyday struggle. Reference Pride. W. (2011). Marketing. New York. Cengage Learning. Smith. T. (2011). Pricing Strategy: Setting Price Levels, Managing Price Discounts, amp; Establishing Price Structures. New York. Cengage Learning. Capon. N. (2009). Capons marketing framework. London. Wessex Publishing Basenese, Louis. Zipcar, Inc. : steer clear of the â€Å"winner’s curse† (Part 2). 2011. Web. June 29, 2011. www. Zipcar. com

The life and works of Margaret Mead

The life and works of Margaret Mead Margaret Mead was a sociology scholar, an eminent anthropologist, a scientist and a great author on anthropology, sociology, religion and ancient society’s issues. She was an intelligent woman and used both knowledge and action to achieve her goals. She was also involved in politics and helped many presidents in formulating policies in ecological and nutrition matters. Advertising We will write a custom research paper sample on The life and works of Margaret Mead specifically for you for only $16.05 $11/page Learn More As a politician she served as an ambassador, without a portfolio, to many presidents in the areas of ecology and nutrition something that gave her the title, Mother of the World in 1969.Her works are still used in learning by students and also for understanding various issues that characterize the world today. She was born in Doylestown, Pennsylvania, to a religious family and both of her parents were sociologists. She was dropped out D ePauw University in 1919 after one year of studying and then joined Barnard College where she graduated with a Bachelors degree in 1923. She did her masters at Columbia University with the help of Professor Franz Boas and Dr. Ruth Benedict and later received her PhD from the same university in 1929. She was married three times; once to a fellow student, then to an anthropologist, Reo Fortune, who divorced her because she could not give birth to children then. Her third marriage to Gregory Bateson an anthropologist was the best according to her, and their daughter, Mary Catherine Bateson also decided to follow in their footsteps and became an anthropologist. She closely worked with her husband and even went to Bali for field work with him, they were married for fifteen years then divorced and when questioned about this she said that was her best marriage and that, American women are good mothers, but they make poor wives (Lapsley 1999). She defended women rights in her writings an d also educated them on child rearing and many other family issues. She filmed the life of her daughter since childhood and observing her grow assisted in writing many of her publications. She was also recognized as a national and an international leader and at a time the president of the following major associations: American Anthropological Association, Anthropological Film Institute, Scientists Institute for Public Information, Society for Applied Anthropology and the American Association for Advancement of Science. Mead lectured at the New School and Columbia University1954 to 1978, and she was the chair of the department of social sciences at Fordham Universitys and founded founding their anthropology department in 1968.Advertising Looking for research paper on biography? Let's see if we can help you! Get your first paper with 15% OFF Learn More She also worked during the World War II as an executive secretary of the committee on food habits of the Natio nal Research Council and during this time she wrote she pamphlets for the Office of War Information. Mead is one of the major contributors in the sociology discipline she has done a lot of research and wrote about families, children and the male and female gender. Her works have been used in understanding problems and issues that face families and also gave an insight on how to solve them. She also has made it possible for sociologists to understand societies and how they influence an individual’s life, not forgetting also her commitment to find solutions to the global social issues facing the world so as to make it a better place for people to live in. Her greatest works that made her known were the most controversial books â€Å"Coming of Age in Samoa† and â€Å"Sex and Temperament in Three Primitive Societies†. In the first book Mead wanted to understand adolescence and determine whether it is the same for all individuals worldwide. Her goal was to answer t he question â€Å"Are the disturbances which vex our adolescents due to the nature of adolescence itself or to the civilization? Under different conditions does adolescence present a different picture?† (Caton 1990). In her survey, she went to Samoa in a village of 600 people where she interview 68 adolescents between 9 and 20 years. She found out that adolescence for them was a peaceful change with no emotional or psychological misery, apprehension, or disorder as it happens in the United States. She also realized that the Samoa girls were better child raisers than Americans. When she published the book, many westerners were offended by the findings and claimed them to be false; with others even going to an extent of going back to Samoa for more research and claim that some of her informants say that they were forced to give false answers. Her colleague, Franz Boas, defended the book and said that â€Å"courtesy, modesty, good manners, conformity to definite ethical stand ards are universal, but what constitutes courtesy, modesty, very good manners, and definite ethical standards is not universal. It is instructive to know that standards differ in the most unexpected ways (Caton 1990). The other book â€Å"Sex and Temperament in Three Primitive Societies† was about three societies in which she studied the nature of women and men. One of the societies was Chambri, (Tchambuli) in Papua New Guinea where women are dominant that menAdvertising We will write a custom research paper sample on The life and works of Margaret Mead specifically for you for only $16.05 $11/page Learn More The men primped and spent their time decorating themselves while the women worked, did all the chores and were the leaders of the society without causing any problems completely opposite of what was happening in America then. In the other society Melanesia males were dominant and also some few women who mostly were witches hence making both gend ers equal and similar in temperament. The other community Arapesh was different; both genders were nonviolent and avoided war although sometimes they went into war with other communities when necessary. The society share land, brought up their children together and relationships among relatives were good. She therefore concluded that temperaments were communally instilled into people and they were not personal. Mead continued writing and some of her major works were: Male and Female: A Study of the Sexes in a Changing World, after observing the behaviors of people in the South Pacific and the East Indies. She said we know of no culture that has said, articulately, that there is no difference between men and women except in the way they contribute to the creation of the next generation. Her other books include: An Anthropologist at work (1959), which was about her friend and colleague Ruth Benedict, The memoirs Blackberry winter (1972), and A rap on race (1971). Controversies have r isen concerning her relationship with Benedict because some people have claimed that she was bisexual and her daughter confirmed that by saying that their relationship was a little sexually due to the letters they wrote to each other. In her life Mead did not state her sexual orientation although she had mentioned in her writings that an individual can decide to change it later in life. She died of cancer in 1978 and she was buried at Trinity Episcopal Church in Buckingham, Pennsylvania. Her greatest legacy is the Presidential Medal of Freedom awarded by the former President, Jimmy Carter. â€Å"Margaret Mead was both a student of civilization and an exemplary of it. To a public of millions, she brought the central insight of cultural anthropology: that varying cultural patterns express an underlying human unity. She mastered her discipline, but she also transcended it. Intrepid, independent, plain spoken, fearless, she remains a model for the young and a teacher from whom all may learn. (Bateson 1984).Advertising Looking for research paper on biography? Let's see if we can help you! Get your first paper with 15% OFF Learn More Reference List Bateson, M. C. (1984). With a Daughters Eye: A Memoir of Margaret Mead and Gregory Bateson. New York: William Morrow. Caton, H. (1990). The Samoa Reader: Anthropologists Take Stock. Cambridge: University Press of America. Lapsley, H. (1999). Margaret Mead and Ruth Benedict: The Kinship of Women. Amherst, Massachusetts: University of Massachusetts Press.

Financial Report Case Study Example | Topics and Well Written Essays - 1500 words

Financial Report - Case Study Example rn on equity output with the industry ratio, the company’s 28 percent ratio is favourably higher than the average industry return on equity ratio of 19 percent. b) Gross profit margin. Both years generated a similar 30 percent output. Comparing the 2013 28 percent gross profit ratio output with the industry ratio, the company performed financially better than the 10 percent average industry gross profit ratio. c) Net profit margin. The 2013 net profit ratio output is 6 percent. On the other hand, the 2012 net profit ratio performance an unfavourably lower 3 percent output. Comparing the 2013 6 percent net profit ratio output with the industry ratio, the company performed financially better than the 3 percent average industry net profit ratio output. d) Current ratio. The 2013 current ratio output is unfavourable at 0.47. On the other hand, the 2012 current ratio shows a more unfavourably lower 0.37. Comparing the 2013 current ratio output with the industry current ratio, the industry average current ratio is better than the company’s 0.47current ratio. The industry average current ratio is company’s 1.70. The ratio indicates there are not enough current assets reserved for the payment of currently maturing debts. e) Inventory (stock) turnover period. In terms of number of days converting inventory into cash, the company’s inventory turnover period for 2013 is 7.53 days. The 2012 annual period’s inventory turnover period, 10 days, is financially less favourable than the 2013 accounting period’s output. Comparing the 2013 inventory turnover ratio of 7.53 days, the company’s turnover ratio is far better than the average industry, 50 days inventory turnover ratio. f) Trade payables’ (creditors’) turnover period. The payables turnover ratio during both years is similarly pegged at 3 days. Comparing the 2013 return on equity output with the industry payables turnover ratio, the industry average’s 20 days payables turnover ratio is favourably

Research paper Example | Topics and Well Written Essays - 1000 words - 29

Research Paper Example However, the case was dismissed since Ali sued the human resource director rather than United States; therefore, the complaint was dismissed based on the deficiency of jurisdiction. Comparing the case of Ali v Rogers and Jack’s case both cases base complications on nationality issues. However, Jacks case base more ideas on employees rather than states. The case between Ali v Rogers base legal ideas on public vessels Act and Admiralty Act should have developed a case against United States rather than the human resource director. Therefore, both cases are dismissed because of insufficient jurisdictions in the two cases (Ali v. Rogers, 2015). Equal Employment Opportunity Commission (EEOC) sued Peabody 2001, alleging Peabody implementation of tribal hiring was illegal (EEOC v. Peabody, 2010). It was alleged that Peabody violated Title VII of Civil rights Act 1964. Additionally, Peabody had violated Title VII of record keeping requirements. In jack’s case, Jack was accused of violating the company’s records on laws touching policies of the Grocery just as EEOC case v Peabody. According to Zeinali v Raytheon business case, the court of appeal reversed the district court judgment (The Recorder, 2011). The court maintained federal precedent in excluding judicial evaluation of security authorization verdicts had no interest on employees’ and, therefore, discriminating against a private employer. Comparing, the case with Jacks, security issues have been addressed in Zeinali case by developing critical security issues for employees while Jacks case, security of employees is not taken into consideration. In July 2011, a black employee from South Africa called Jack secured recruitment as a chief security officer in a California grocery store. In the second week of work at the store, Jack spotted a white female customer robbing items from the store. Jack alerted Chris to assist her in stopping the theft at

English as Official Language Debate Essay Example for Free

English as Official Language Debate Essay The United States is a nation founded by immigrants. Throughout the years the US has struggled with discrimination and close-mindedness. But, when we put our differences aside we can achieve the impossible. We are a country united by our differences. We celebrate our diversity, independence and individuality. We are a country that believes in choice, and one of those choices should be the option to speak the language which we relate to and understand. It was our forefather’s ambition that got us to the Land of The Free and our determination that made us successful. So how can we say we stand for freedom if we don’t give our people, immigrants (illegal or not), the right to speak their language? We are a country for the people, but not all of our people speak English. Many Americans argue that those who live in America should speak English but think about this: English is the sum of many other languages. The British brought English to America and forced the Native Americans to convert to their language and their ways. In modern society, we cringe at the idea of oppression and encourage those who are oppressed to speak out for themselves, yet turn a blind eye when we are the oppressors. A parallel can be drawn with bullying. It is an issue that many children, teens, and adults experience. Bullying has been an active topic in the media in recent years. Teachers, parents and authoritative figures continue to urge those who are bullied or have witnessed an act of bullying to stand up for themselves and get help. Thus, America is not only being hypocritical and ignorant, but it is also being a bully by forcing other’s to speak â€Å"our† language. We are oppressing their beliefs. We are telling them that they must speak our language if they want to be American; they must speak our language if they want to be successful. Understandingly, those who come to America should be educated in our history and be required to pass a citizenship test. But speaking English does not make one an American. A citizen is not inferior because he/she cannot speak English. Americans today are born with this innate sense of superiority. Yet, over the years we have overcome most of our selfish and antiquated ways and this is just another obstacle which we must surmount. We cannot force a diverse group of people to speak one language when our nation consists of so many. We cannot force a language upon our people without oppressing those people. Making English the official language would make us hypocrites and bullies. Therefore, English should not be the official language of the United States.

The Scarlet Letter :: Literary Analysis, Hawthorne

Revenge consumes the soul of the beholder, and leaves him a shell of his former self. Revenge often leads the avenger down an irreversible path that ultimately proves to be detrimental to him. Such acts are especially grave in the view of Puritans, who believed that vengeance belonged only to God. Nathaniel Hawthorne was a master of words, a literary genius who had a deep understanding of human emotions and boundaries. Hawthorne uses The Scarlet Letter to reprimand revenge as a detrimental act that can radically alter a person, and yet never allow them to be satisfied, using Chillingworth’s own thoughts, and dialogues to characterize his transformation from a scholarly person to a devil whose sole purpose was to torment Dimmesdale as retribution for committing adultery with Hester. In his exposition, Chillingworth, a learned man justly demanded that his wife’s fellow sinner â€Å"will be known! – he will be known! – he will be known!† (61). This was no doubt a perfectly normal response for a man, who after being in the company of Native Americans for over three years, happen to come to the right place at the right moment to see his wife on the scaffold, humiliated by the overbearing sin of adultery. In his conversation with Hester in jail, Chillingworth made it clear that he did not intend to harm neither Hester nor Pearl. Instead, like a true man, he claims that because of â€Å"[his] folly, and [her] weakness† (71), she had to â€Å"ascend to the pedestal of infamy† (71). He contended that had he been a more caring husband, and not devoted his youth to books and the pursuit of wisdom, such an incident would had never occurred. In the ensuing exchange of dialogue, Hawthorne impressed upon the reader that Chillingworth was a just and noble man, admitting partial responsibility for Hester’s sin. The medicine he gave Pearl was â€Å"potent for good; and were it [his] child – yea, [his] own, as well as thine! – [he] could do no better for it† (69) demonstrated his courteous manner, since if he was evil, he would not have given any second thought to killing the bastard child. His intentions of extracting revenge on the man â€Å"who has wronged [them] both† (72) was clear, and indicated his desire to reclaim the honor of a cuckold. These dialogues marked the beginning of Chillingworth’s descent to infamy. After he had settled in town for three years as the resident physician, Chillingworth had no doubt been vigilant in his search for Pearl’s father.

Internet’s Adverse Effects on Teenagers Essay

Adverse Effects of Internet on Teenagers: Introduction: The use of internet has grown tremendously among the teenagers over the last few decades. This has largely been caused by a variety of reasons such as education and the need for entertainment. The internet provides a variety of free information and resources that can either build or destroy the life of a teenager. As a result, many teenagers have ended destroyed morally and psychologically due to excessive use of the internet for the wrong reasons. As a matter of fact, research shows that many teenagers get excessively addicted to the internet from the first time they gain access information in the web (Kraut ; Kiesler, 49-74). The growing and excessive use of the internet among the teenagers has also largely been influenced by the affordability and availability of internet both at school and home. This continued use of internet by the teenagers has tremendously affected the teenagers adversely with time. To be precise, most teenagers who have excessively use internet have continued to have problems academically, socially and even morally. Background Information: Research indicates that in every ten teenagers, nine are regular internet users. According to statistics, 87% of the teenagers in the Western World aged between 12 and 17 are regular users of the internet. 51% of these teenagers visit the internet on regular basis. This actually represents about 21 million teenagers who visit the internet. It has also been found that 81% of the teenage internet users basically use the internet for playing video games. This percentage represents about 17 million teenagers (McKenna ; Green, 9-31). The figures above are a direct indication that there is an overwhelming increase in the number of teenagers accessing the internet over the last few years. This information implies that most teenagers are therefore openly vulnerable to some of the evil practices that go on over the internet. As a result, the society has continued to bring up teenagers who are morally corrupt. Refutation: It is important to note at this point that most teenagers are quickly getting addicted to internet use. Most teenagers get addicted to the internet because of the following reasons: First, most teenagers believe that the internet is the best source of entertainment. There are many internet sites that provide free games of that the teenagers can play. Most teenagers therefore visit these sites and spend quite a lot of time playing those games. The teenagers find fulfillment in these games and therefore dedicate much time to play such games. The addiction to internet games by the teenagers has largely been encouraged by lack of enough co-curriculum activities in the schools in the current society. With the current globalization, most schools tend to focus more on impartation of academic knowledge to the teenagers paying less attention to other extra-curriculum activities that are important for the mental development of the teenagers. This has therefore left the teenagers seeking for alternate sources of entertainment which they easily find over the internet. These teenagers have therefore grown to believe that the internet is the best source of entertainment. This is absolutely wrong since the internet games ideally promote the culture of selfishness because it gives the teenager a chance to find solace and fulfillment in the machine. This makes the teenagers to become selfish even as they grow up. Secondly, most teenagers believe that the internet is the best source of informant for academic research. Whenever the teenagers are given class assignments to do, the first research source they run to is the internet. This is because they believe that the internet provides accurate and ready information that can help them to quickly complete their assignments. As a result, many teenagers have been become so addicted to the internet for academic purposes. However, the teenagers need to understand that taking academic materials and reproducing information from the internet can often to academic frauds like plagiarism. The teenagers therefore need to be careful in conducting their research over the internet due to the crime risks they expose themselves to. As a matter of fact, the teenagers need to seek alternate sources of information such as books, journal articles and newspaper articles in conducting their research. This will help them to get information that they fully trust because it is easy to verify the sources of information from books and journal articles. Lastly, most teenagers believe that the internet is the best form of communication. This is because of the various technologies for communication that are actually provided over the internet. Most teenagers tend to lack cellular phones for communication. This gives them the option of communication technologies such as email and chat sessions in different applications over the internet. Through such technologies the teenagers get a chance to effectively communicate with their friends. This has made them believe that the internet is the best source of information since they can easily share their issues with friends over the internet. This is however wrong and should be discouraged. Proper socialization can only be healthy through physically contacting someone. Electronic communication through the internet reduces the relational skills of the teenagers and therefore makes them vulnerable to becoming irresponsible and selfish adults when they grow up. It is important to have good social skills which can only be enhanced through physical relationship (Lee ; Kuo, 7) Supporting Arguments: Internet use has adverse effects on the teenagers because of the following reasons: Internet expose the teenagers to Internet Crimes against Children. The internet is one of the platforms through which predators tend to find teenagers and grooming them for criminal activities such as the production and distribution of children pornography, stalking and contacting the teenagers for sexual acts engagement and even exploitation through sexual tourism. Most of the criminals tend to look at teenagers as perfect targets for achieving their criminal motives. This is mainly because most teenagers tend to be naive, trusting, adventurers, curious and seeking attention as well as affection. This, therefore, makes the teenager so vulnerable to being victims of such kind of criminal acts over the internet. In addition, the criminal acts could turn the teenagers into criminals too especially when there are monetary benefits attached to it. Secondly, the internet has the ability to corrupt the good morals of the teenagers. The internet provides quite a lot of free information and services that have the capacity of corrupting the good morals of teenagers. Illicit and immoral information such as pornography can easily become objects of admiration of teenagers over the internet. It is important to note that most teenagers tend to be at the peek of adolescence whereby they enjoy all manner of new things and are very curious to adventure into things. Due to peer pressure and pressure from their physical bodies, the teenagers are most likely to get addicted internet pornography. Accessing such illicit and immoral information can therefore corrupt their innocent minds. This information is dangerous because it can easily transform them into criminals such as rapists. Anytime the teenagers access the illicit information over the internet, they tend to develop the desire to practice what they read and watch over the internet. As a result, such kinds of teenagers end up not concentrating in their academic work and so scoring poor grades in school. Some also drop out school as they turn out to be frequent law offenders (Handbook of child psychology, 1-101).

Introduction To Fraternity Bylaws And Standing Rules

Association Delegates The alumnae association President must submit the Delegate Submission Form by April 15. Proposed Bylaws The 2018 General Convention is right around the corner. The proposed amendments to the Fraternity Bylaws and Standing Rules, which will be considered at Convention, will be available in March 2018. If you are attending Convention, there is an educational session scheduled regarding the Fraternity Bylaws and Standing Rules. This will be an opportunity for you to ask your final questions about the proposed amendments. Adviser Representatives Each chapter is entitled to send one Advisory Board representative whose hotel, meal, and transportation expenses are paid by the Fraternity. An alumna can serve in only one†¦show more content†¦CHAPTER/ADVISORY BOARD RELATIONS AWARD Awarded to the chapter and Advisory Board that work together harmoniously in programming, mutual two-way communication, and with respect to achieve chapter goals. EXCELLENCE IN CHAPTER MANAGEMENT AWARD Awarded to chapters with the most efficient and effective chapter management, capable officers, continuou s chapter education, excellence in performance, and use of resources, current chapter documents, good relations with Advisory Board and House Board. This award has three categories based on chapter size. FINANCE AWARD Awarded to the chapter with the best financial management, including the education of members, maintenance of financial standards, and timely submission of reports and fees. This award is presented to both a housed and an unhoused chapter. GRACIOUS LIVING AWARD Two awards, presented to a housed chapter and an unhoused chapter that exemplify chapter graciousness, practice hospitality to one another and visitors to the chapter facility and on campus, and whose members have best acquired the art of living and working together harmoniously. GREATEST IMPROVEMENT AWARD Awarded to the chapter with the greatest all-around improvement in all areas of programming during the biennium. HERITAGE AWARD Awarded to the chapter that shows the greatest interest in searching forSho w MoreRelatedGoal Plan Essay1146 Words   |  5 Pagesofficers are aware of and feel supported by Fraternity volunteers — locally and regionally — so that officers understand their roles in the â€Å"bigger picture of Kappa.† †¢ Chapter Council officers are continually encouraged and better supported to fulfill their roles and responsibilities to the highest standard so that errors, risks, and delays in chapter operations are reduced. Fraternity volunteers are more aware and connected to chapter operations so that Fraternity volunteers can better inform, influenceRead MoreCommunity Leadership Plan1751 Words   |  8 PagesSpecialists. Outcome †¢ Chapter Council officers are aware of and feel supported by Fraternity volunteers — locally and regionally — so that officers understand their roles in the â€Å"bigger picture of Kappa.† †¢ Chapter Council officers are continually encouraged and better supported to fulfill their rol es and responsibilities to the highest standard so that errors, risks, and delays in chapter operations are reduced. †¢ Fraternity volunteers are more aware and connected to chapter operations so that they canRead More65 Successful Harvard Business School Application Essays 2nd Edition 147256 Words   |  190 PagesSchool. 1. Sullivan, Lauren. II. Harbus. III. Title: Sixty...five successful Harvard Business School application essays. HF1131.A1352009 808.06665-dc22 2009012531 First Edition: August 2009 10 9 8 7 6 5 4 3 2 1 CONTENTS Acknowledgments Introduction ix xi I. Defining Moment Stacie Hogya Anonymous Anonymous David La Fiura Anonymous Avin Bansal Anonymous Brad Finkbeiner Anonymous 4 7 10 13 17 20 23 26 29 ii. UndergradUate experience John Coleman Maxwell Anderson Lavanya AnantharmanRead MoreFundamentals of Hrm263904 Words   |  1056 PagesLABOR–MANAGEMENT ENVIRONMENTS Understanding Labor Relations and Collective Bargaining 340 Endnotes 367 Glossary 389 Company Index 395 Subject Index 398 v Contents PART 1 UNDERSTANDING HRM Chapter 1 The Dynamic Environment of HRM 2 Learning Outcomes 2 Introduction 4 5 Understanding Cultural Environments 4 The Changing World of Technology What Is a Knowledge Worker? 6 How Technology Affects HRM Practices 6 Recruiting 7 Employee Selection 7 Training and Development 7 Ethics and Employee Rights 7 Motivating