Thursday, August 27, 2020

Online Roleplaying Rules Ver 2.1 (character Creation) Essays

Web based pretending rules Ver 2.1 (character creation) Welcome Welcome to the Thiatre de More and our round of Vampire: The Past Returned in VP. Inside this content you will discover the approaches to make a character for the game and how to submit yourself to participate in the game. On the off chance that you look for more data on the Kindred a connection named Vampire Homepage in the Thiatre will take you to an extremely imformitive site A little foundation on the game. We are at present running a game mixed with both the Modern Day and Dark Ages campeign. The Thiatre de More and the terrains of Knarl hold as grounds influenced by the forces of Temporis making it be torn go into time permitting the terrains to fall under the old ways. Inside the dividers of the Thiatre a like a Dark Ages game happens the time being like 1237 advertisement. Here the game strugles with mistreatment from the Camarilla, Sabbat, Inquisition, and Baali. Character Creation The initial step to participate with the game is to make a character. This content will leed you step by step in making a Kindred inside the Thiatre de More. As you make your character work out the data on a TXT document to send to the ST's and to keep as a reffrence for yourself. A clear character sheet can be found toward the finish of the character creation divide, basically reorder the sheet onto another TXT Stage 1: Chosing your faction A vampire is a vampire regardless. Yet, similar to people the Kindred separate themselves into bunches called groups. Every family has their own particular manners of taking a gander at life (or unlife) just as their own arrangement of group quality weeknesses and in faction disciplines (forces of the Kindred). The initial phase in making your character is to picked your tribe from the rundown gave. It is recomended for more up to date players to investigate the family or families you are keen on playing. The families, their steriotype and their in tribe Disciplines: Assimites - The secretive Saracens of the Middle East have consummated the craft of the quiet execute. (Celerity, Obfuscate, Quietus) Brujah (old family) - Philosophers, researchers and warriors, the peevish Radicals persue their fantasy of an ideal society. (Celerity, Potence, Presence) Catiff (not a family) - The uncommon and unfortunate Canites with no faction are pariahs and disrespected. (any, with the exception of Magic) Cappadocians - Seeking the astuteness of the grave, the Graverobbers call upon the spirits of the dead for edification. (Auspex, Fortitude, Mortis) Supporters of Set - Orriginally hailing from Egypt, the Snakes spread debasement and bad habit in their wake. (Muddle, Presence, Serpentis) Gangrel - Wanderers and rustics, the Creatures are nearer to the mammoths of the woods than to any of their Cainite kinfolk. (Animalism, Forttude, Protean) Lasombra (old tribe) - Masters of dimness and shadows, the Magisters look to controle mortal and vampiric culture the same. (Command, Obtenebration, Obfuscate) Malkavian (old faction)- Cursed with craziness, the Psychos appreciate dreamlike and upsetting understanding. (Command, Dementation, Obfuscate) Nosferatu - Hideous incredible, the shunned Outsiders are spies and sources without equivalent. (Animalism, Obfuscate, Potence) Ravnos - Wandering drifters and peddlers, the Charlatains joyfully practice their crafts of trickiness furthermore, burglary. (Animalism, Chimerestry, Fortitude) Toreador - Lovers of workmanship and magnificence, the Craftsmans unreservedly enjoy their preferences for the stylish. (Auspex, Celerity, Presence) Tremere - A youthful and separate group of wizards, the sorcercerous Userpers battle to set up themselves. (Auspex, Dominate, Thaumaturgy) Tzimisci (old family) - Terrible Slavic fleshcrafters, the Beasts hardheartedly lord over their human subjects. (Animalism, Auspex, Dominate) Ventrue - Imperious and directing, the Aristocrats think of it as their obligation to lead vampiric culture. (Command, Fortitude, Presence) Brujah (new group) - Respecting no position and recognizing no pioneers, the Riffraff view themselves as free (Celerity, Potence, Presence) Lasombra (new tribe) - Puppetmasters in the obscurity, the Lasombra rule the Sabbat and controle the shadows. (Overwhelm, Obtenebration, Potence) Malkavian (new family) - Commonly perceaved to be crazy, the Nutcases have an uncany vision and insight. (Auspex, Dominate, Obfuscate) Tzimisci (new tribe) - Called Devils all things considered, the Tzimisci are respectable yet remorselessly cruel. (Animalism, Auspex, Vicissitude) At the point when you picked your family mark it down on your character sheet just as the controls recorded for the group. for additional data on your factions explicit imperfection please

Saturday, August 22, 2020

Garret Hobart - McKinleys Influential Vice President

Garret Hobart - McKinley's Influential Vice President Garret Augustus Hobart (June 3, 1844-November 21, 1899) served just two years, from 1897-1899 as President William McKinleys Vice President. In any case, in that time he demonstrated himself to be very compelling in his job, encouraging McKinley to have Congress announce war on Spain and being the concluding vote to accept the Philippines as a US region at wars end. He turned into the 6th VP to kick the bucket while in office. During his time in office, in any case, he earned the moniker, Assistant President.â Early Years Garret Hobart was destined to Sophia Vanderveer and Addison Willard Hobart on June 3, 1844 in Long Branch, New Jersey. His dad had moved there to open an elementary school. Hobart went to this school before going to live-in school and afterward graduating first from Rutgers University. He examined law under Socrates Tuttle and was admitted to the bar in 1866. He proceeded to wed Jennie Tuttle, his educators daughter.â Ascend as a State Politician Hobart immediately rose in the positions of New Jersey governmental issues. Truth be told, he turned into the primary man to head both the New Jersey House of Representatives and the Senate. In any case, because of his very effective law profession, Hobart wanted to leave New Jersey to get associated with national legislative issues in Washington, D.C. From 1880 to 1891, Hobart was the head of New Jerseys Republican Committee, prompting the gathering on which contender to place into office. He did, truth be told, run for the US Senate a couple of times, however he never put his full exertion into the crusade and didn't succeed ​to the national scene.â ​ Selection as Vice President In 1896, the Republican National Party concluded that Hobart who was generally obscure outside the state should join William McKinleys ticket for the administration. Notwithstanding, Hobart as per his own words was not thrilled with this possibility as it would mean leaving his rewarding and agreeable life in New Jersey. McKinley ran and won on the foundation of the Gold Standard and a defensive levy against perpetual up-and-comer William Jennings Bryan.â Compelling Vice President When Hobart won the bad habit administration, he and his significant other immediately moved to Washington, D.C., and rented a home on Lafayette Square which would procure the moniker, the Little Cream White House. They engaged at the home regularly, assuming control over the conventional obligations of the White House. Hobart and McKinley turned out to be quick companions, and Hobart started visiting the White House to exhort the president much of the time. What's more, Jennie Hobart helped deal with McKinleys spouse who was an invalid.â Hobart and the Spanish-American War At the point when the USS Maine was soaked in Havana Harbor and trough the toxin pen of sensationalist reporting, Spain was immediately laid to fault, Hobart found that the Senate over which he directed immediately went to discuss war. President McKinley had attempted to be mindful and moderate in his methodology with Spain after the occurrence. In any case, when it got evident to Hobart that the Senate was set up to move against Spain without McKinleys inclusion, he persuaded the president to start to lead the pack in the battle and request that Congress announce war. He additionally managed the Senate when it confirmed the Treaty of Paris toward the finish of the Spanish-American War. One of the arrangements of the settlement gave America power over the Philippines. There was a proposition in Congress that the region be given its freedom. In any case, when this finished in a tied vote, Hobart make the concluding choice to keep the Philippines as a US territory.â Passing All through 1899, Hobart experienced blacking out spells identified with heart issues. He realized the end was coming and really reported that he resigned from open life toward the beginning of November. On November 21, 1899, he died at home in Paterson, New Jersey. President McKinley went to Hobarts memorial service, a man he thought about a close companion. New Jersey additionally went into a time of grieving to remember Hobarts life and commitment to the state.â Inheritance Hobarts name isn't broadly perceived today. Be that as it may, he was very compelling during his time as VP and demonstrated what force could be applied from that position if the president decides to depend on their recommendation.

Friday, August 21, 2020

Cyber Bullying Argumentative Essay Topics

Cyber Bullying Argumentative Essay TopicsThere are a lot of arguments to be made in cyber bullying cases. The first is the identity of the person who is being bullied. If the person is a child, then the argument could be the innocence of the child. If it's an adult, then it will be about how the adult dealt with or reacted to the situation.The second argument of cyber bullying is the status of the victim. Is the victim a minor? Is the victim just another of the several individuals victimized by the cyber bully? Does the victim want to stop cyber-bullying? These are all questions that should be asked and answers to these questions are what can build a strong case.The last argument of argumentative essay topics is the reason for the cyber bullying. While the identity of the person might be one of the most important reasons, there might be other reasons that should be included in the argumentative essay. It might be because the cyber bully was merely in the wrong place at the wrong time , it might be because the cyber bully was in the wrong place at the right time, or it might be because the cyberbully is out there right now sending threats or at worst just boasting about the harm that he's doing.In cyber bullying cases, these are all valid reasons that have been documented. If you are facing the actual bully, or someone that's been harassed, then it's very easy to point to those reasons and not to mention the fact that a lot of that harm is right in front of you. You can argue the harm, but the victim needs to be able to make their own arguments as well.When considering cyber bullying, it's important to be able to distinguish between being attacked online and being bullied. Even if the victim doesn't recognize the offender, they will know who the bully is. They may get the message a few times before it's caught on video or audio. While these are all examples of cyber bullying, they also fall under being attacked online.Another distinction that is useful in this ca tegory is that of whether the cyber bullying was done by phone or e-mail. Sometimes, it's easy to be fooled because the victim may think that the harasser is simply pretending to be someone else online, when in fact the victim has been the one to send the threatening messages or texts or emails or had to deal with the harassing phone calls. However, sometimes, it is possible to determine who the person is over the phone because the caller ID is used as a device to differentiate between the parties and the victims are aware of it.An additional argument that you might want to make when you're looking to make the cyber bullying stand out from the other cases is the age of the person who's being bullied. Usually, the younger the victim is, the more difficult it will be to determine who is responsible for the bullying. However, it's still a valuable point to make because while the adult and the younger are probably two separate people in the cyber bullying process, they do have to intera ct and it can easily be identified by comparing the ages of the two parties.Argumentative essay topics that relate to cyber bullying can range from how to deal with a baby who needs to use the computer, how to deal with the problem of alcoholism and prescription drug abuse, the difference between the situations, to the effects of technology on human life. These are all good points that can help to move your case to the next level of your case. Try to understand how the cyber bullying process works and make your argument persuasive essay topics that include the same.

Monday, May 25, 2020

Strategy Sample Test - 663 Words

Question 1 The management at BuyRite grocery stores wishes to estimate the amount of time that customers are spending, on average, in its stores and in a checkout line. The most obvious approach for determining this information is to simply record when a customer enters and exits the store. However, it is difficult to track the entering and exiting times of specific customers. We will look at the problem using an alternative approach. Over the past two weeks, the following data have been collected at BuyRite’s newest store during busy hours (this BuyRite is rather large and typically has 7 open checkout lines). For simplicity, let us assume that the overall capacity at checkout lines is higher than the arrival rate of customers into the†¦show more content†¦(b) A direct-sale store takes both internet and phone orders. Internet orders come in every 15 minutes and phone orders arrive at a rate of 5 orders/hour. Regardless of the type of the orders, the packed merchandise (one orde r) is put on the truck and ready to be shipped in 7 hours. On average how many orders are in the store? How many of them are internet orders? Question 3 A donut store is open 8 hours a day and sells two types of donuts – blueberry cake donut and chocolate frosted donut. On average the demand is 80 donuts per day for EACH type. The store has only one machine which makes both types, and once it starts, it produces one donut every 2 minutes for either type. The production alternates between the two types, i.e., a batch of one type is followed by a batch of the other. The setup time is 20 minutes for either type. Assume the same batch size all the time for both types. (a) If the batch size is 10 donuts per batch, what is the capacity per day for each type of donut? (b) What is the minimal batch size in order to satisfy demand for both types? Question 4 Consider the following assembly line: Department Processing Capacity Yield (units/day) A 2200 80% B 1600 90% C 1800 100% D 1000 80% E 800 100% Three units of output from Department C and one unit from Department D are used to assemble one unit of final product in Department E. SupposeShow MoreRelatedInvestigating New Sampling Strategies At Domain Level For Reliability Assessment1543 Words   |  7 PagesInvestigating New Sampling Strategies At Domain Level for Reliability Assessment ABSTRACT The objective of software testing technique is to expose failures. Testers prioritize inputs based on the acquired quality attribute, e.g., correctness, robustness, reliability, security. When high reliability is to be achieved, tester wishes to sample those failure-causing inputs that have the largest impact on failure probability. This is the procedure followed by techniques based on the expected operationalRead MoreA Meta Analysis Of Schizophrenia Used By Heinrichs And Zakzanis1109 Words   |  5 PagesWithin the 47 studies, were wide ranges of neuropsychological tests including 156 cognitive test variables. This meta-analysis categorized the tests into ten broad, separable cognitive domains allowing for a general outline. These tests were categorized based on a similar outline for a meta-analysis of schizophrenia used by Heinrichs and Zakzanis in 1998. These ten cognitive domains support quantitative and interpretive comparisons and include: immediate verbal memory, attention (divided into threeRead MoreLearning and Study Strategies Inventory1124 Words   |  5 PagesLearning and Study Strategies Inventory (LASSI) Student Report | kiet nguyen | School #: 71548 | 1/20/2011 | Student Key: ng37284k | ID Number: 101909   |   nguyentuankiet1991@yahoo.com | The graph below interprets your responses to the LASSI. The numbers on the top and bottom of the chart show percentile ranks. You can use these percentile ranks to compare your scores to other individuals scores. For example, if you scored in the 80th percentile in Attitude and Interest (ATT), youRead MoreSample Project Quality Plan1676 Words   |  7 Pagesï » ¿ CCC Sample Project CCC New Platform Programme Quality PlanRegatta Quality Plan Owner: Ciaran Whyte Author: Ciaran Whyte Date of issue: 19/06/03 Version: 01.0 Date created: 19/06/03 0. DOCUMENT CONTROL 0.1. Change History Version Date Description of Changes 00.1 28/02/03 Initial version 00.2 22/05/03 Re-issued in line with 01.0 19/06/03 Final version updated 0.2. 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They have competitive advantage over their competitors and are very loyal to their customers, throughRead MoreThe Human Immunodeficiency Virus ( Hiv )1459 Words   |  6 Pagessyndrome – the final stage of HIV) can be classified as one of the most devastating epidemics in United States history (Centers for Disease Control and Prevention [CDC], 2015). Although still an alarming concern in public health, due to prevention strategies and medical advances, the disease is less fatal and is treated as a chronic disease (instead of a death sentence, as in the past). There are currently 1.2 million people living in the US with HIV (CDC, 2015). The highest rates transmitted throughRead MoreEnglish Language Learners Methodology Comparison Essay874 Words   |  4 Pages2008). 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Friday, May 15, 2020

Beginner English Grammar Review

Once youve taught a beginning level class for a few months, its time for review. There are so many new learning points over the course of a class that students need to revisit what they have learned. In order to do this, we like to do a bit of what we call grammar banging. Students take a quiz which has a question for each type of learning point the class has covered. The point of this exercise is to encourage students to discuss each point to review together. We like using this exercise in small groups to raise awareness of what has already been learned and where problems still lie. The sheets provided in these grammar banging reviews are very effective because each question focuses on one important, specific area. Aim Grammar review of the most important intermediate level English tenses, structure, and functions Activity Grammar banging multiple-choice review lesson with each question focusing on a specific point Level Beginner Outline This is straight-forward stuff. Make the copies and give them to the students.Have each student do the sheet by him/herself.Ask students to compare answers and discuss differences, each student trying to explain his/her choice.A correct sheet as a class. Review each grammar point quickly - you should get a lot of Oh, yeah.....Give the students an unmarked copy of the same exercise to repeat at home to solidify the review exercise. Grammar Banging - Review your English - 1 Choose the correct word to fill in the gap. Are there ______ apples in the kitchen?muchanysomeThat is _____ interesting book.theaanI went ______ church last Sunday.atintoWhat _____ he like? - He is very friendly.doesdidisI ________ a new car last month.boughthave boughtbuyedHow ________ money do you have in your pocket?manyfewmuchHe came ______ home late last night.-attoJack is a nice boy, and I like _____.-himhisI get up ______ seven oclock every day.inonatI like __________ music.listenlisten tolistening toWhat __________ in your free time?you dodo you doare you doingMy father _______ in a bank.worksworkis workingWould you like _______ coffee?anyansome Exercise 1 Printing Page Beginner Grammar Banging Page 2Back to lessons resource page

Wednesday, May 6, 2020

Maslow and Jung Life and the Workplace - 955 Words

Maslow and Jung: Life and the Workplace Personality Theories: Steve Domalik PSY 250 Psychology of Personality Instructor: Pamela Poynter January 24, 2006 Maslow and Jung: Life and the Workplace We work, strive, succeed, and sometimes we fail. What drives us to succeed, or in some cases keeps us from success? Perhaps a better understanding of our motives, and the motives of our colleagues would help us make the personality changes we need to succeed. The way we interact with others in the workplace and our personal life may be improved. The Freudian theories opened our minds to many of our odd behaviors but did little to provide methods of self-examination. Very few of us have the time and the funds available for in-depth†¦show more content†¦Maslow felt that no one would ever reach the top of his hierarchy but should realistically try only to get as close as possible. Through our continued journey in life, meeting problems and issues, we can either grow or slip backward. We can choose to learn and continue climbing or give up. Most people choose to continue their climb. With some, this choice is not an actual conscious decision. The choice is more of a drive to succeed or a cycle of happiness and depression that we have trouble understanding. As a supervisor or manager, our ability to understand the constant cycle of satisfaction and dissatisfaction may mean the difference between a successful career and failure. If in a career or business the only answer to dissatisfaction is monetary, excessive cost to the company can be easily caused and still have unhappy employees and a high turnover rate. Conclusion Carl Jungs introspection and self-examination have led us to the realization that childhood traumas are not the only sources of behavior and personality characteristics. Our continued learning from our experiences, our differentiation, gives us a life-long ability to make corrections. Abraham Maslows understanding of our motivation and constant striving for satisfaction has brought the person back into Psychology and given renewed attention to the truly human qualities that make up us all. Understanding the motivation and satisfaction needs of colleagues,Show MoreRelatedFinal: Motivation and Self-actualization B. Self-actualization1703 Words   |  7 Pagesquestion. Your choice must be clear. If no answer is marked, or if your choice is unclear, the qu estion will be marked as incorrect. SAMPLE: 1. Characteristics of adult learners typically include all but which one of the following? a. have accumulated life experience b. have established opinions, values, and beliefs c. are intrinsically motivated d. enjoy soda and chips e. desire meaningful learning experiences Please post your completed exam in the grade book as an attachment on or before the deadlineRead More Abraham Maslow on Self-Actualization, Motivation and Humanistic Theory2428 Words   |  10 Pagesartists must paint, and poets must write if they are to be ultimately at peace with themselves. What human beings can be, they must be. They must be true to their own nature. This need we may call self-actualization† Abraham Maslow. http://toolstolife.com/articles/Abraham-Maslow-s-Self-Actualizer-380 Self- Actualization rests at the pinnacle of Maslow’s Hierarchy of Needs. Before reaching that pinnacle, the human being rises through the various strata of motivation beginning with the basic needsRead MoreImproving Fitness Suite Discord At Junction Hotel3320 Words   |  14 Pagesmentioned bureaucracy could achieve an organisations aims most efficiently. He suggested that management was a trainable skill and had 14 principles of management to improve efficiency within the workplace. He also suggested that division of work, with specialised tasks, would increase efficiency in the workplace along with having a unified direction for each area of hierarchy. Another technique for increasing efficiency and reducing waste or cost of labour is through Rational Work Design which stemsRead MorePSYC 2301 3 Essay4271 Words   |  18 PagesSelect one: a. id, ego, superego. b. environment, behavior, thoughts. c. preconscious, conscious, unconscious. d. pleasure principle, libido, reality principle. Question  5 Not yet answered Marked out of 2.00 Flag question Question text According to Maslow, the need to _____ must be met before _____. Select one: a. feel safe; biological needs are satisfied b. self-actualize; the need to feel secure c. feel loved; security needs are met d. feel competent and gain respect from others; one can begin toRead MoreThe Effects Of Alcohol And Substance Abuse2233 Words   |  9 Pagesthe medical expenses related to injuries and poor health. The rate of absenteeism is greater than non-substance abuse and non-alcohol employees. The productivity and quality of the work are highly affected. The four major areas of concern in the workplace is attendance, productivity, safety and employee relationship (Elliott Shelley, 2006). Employees consuming alcohol and substance abuses are mostly full-time employee of all levels of management. Alcohol and substance abuse employees cause lowRead MoreCareer Planning for Hospitality Students3180 Words   |  13 Pagesduring the period of time and are still growing. Moreover the number of hospitality graduates is still very low as compared to the demand of the industry. Hence hospitality as a career is still considered as a fair option in order to grow and make life out of it. Graduate labor market As outlined by Harvey (2001, cited by Nabi, 2000) graduates should posses certain attributes and skills in order to help them find a job and have sustainable growth in it. This would further help them buildRead MoreThe Influence Of Emotional Quotient ( Eq ) Towards Novice Teachers Work Stress And Organizational Commitment4734 Words   |  19 Pagesabstract intellect. They explained social intellect as an ability to be with people. Weehsler (1940) also claimed affective component in EQ as important aspect to be achieved in life, whereas Maslow (1950) stated that human can build strength in their emotions and achievement in terms of health problems and happiness in life. Consequently, Howard Gardner (1975) has introduced the multiple intelligences concept especially in the interpersonal and intrapersonal aspects. In addition, Mayer and SaloveyRead MoreThe Essence of Organizational Behaviour3953 Words   |  16 PagesValues – what people believe to be important. ââ€"  Self-regulatory plans – the goals people set themselves and the plans they make to achieve them. Personality theories Personality is a product of both nature (hereditary) and nurture (the pattern of life experience). Personality can be described in terms of traits or types. Emotional intelligence characteristics ââ€"  Self-management. ââ€"  Self-awareness ââ€"  Social awareness ââ€"  Social skills. Types of behaviour The types of behaviour associated with individualRead MoreEssay about Phd Comprehensive Exam. in Leadership15004 Words   |  61 Pagesemphasizes problem solving. They allow latitude in action and encourage the use of reasoning before taking action. â€Å"Leaders create situational contexts and conditions in which followers engage in creative efforts to accomplish their goals† (D. I. Jung, 2000). They understand that to optimize organizational health and growth, the talents of each member must be optimized. Overly formalized organizational structures which place the emphasis upon member seniority over member talent are at risk of atrophyRead MoreEssay Wgu C351 Task 14625 Words   |  19 Pagesmodern nursing, first began to establish nursing as a profession during the Crimean War. Since then, nursing theorists have continued to expand on the thought that patients are made up of more than just the symptoms they present with, Abraham Maslow, Carl Jung, Dr. Larry Dossey and Dorothy Johnson, but none more so than Jean Watson. She developed a theory of human caring that contained several core concepts, these concepts lay forth the ground work for how we, as nurses, should care for a patient

Tuesday, May 5, 2020

Governance - Regulation & Risk Management In Banking

Question: Discuss about the Governance, Regulation Risk Management In Banking? Answer: Introduction The global financial crisis changed the scenario of the capital market throughout the globe. Economies of some of the most developed countries came crashing down to the ground. With big names in the banking sector reduced to ashes, it was high time to start from the scratch (Covitz, Liang and Suarez 2013). Banks as financial intermediaries play a pivotal role in the development of the economy of a country. Banks are separate from other financial intermediaries, as they have a much extended role to play (Flannery, Kwan and Nimalendran 2013). Risk management is an integral part of the banking business and many regulatory and legislative changes have been made in this field since the financial crisis of 2008. These stringent norms have tried to change the manner in which banking business operations are carried out throughout the world. The Basel III accord proposed by the BIS (Bank for International Settlements) is one such example of regulatory measure regarding capital adequacy and ri sk handling in banks throughout the world (Frankel and Saravelos 2012). This essay attempts to bring out a critical analysis of the notion that regulatory changes have created a fear among the banking professional, which has lead to an increase in professional misconducts opposite what these regulations intended. In doing so, two articles of The Financial Times have been referred to that speaks about the speech given by the Chief Executive of the UBS bank. Sergio Ermotti, the Chief Executive of UBS stated that stringent regulatory changes have made banks more risk adverse and this has influenced the business to a great extent. He further suggested that making mistakes by banking professionals would be tolerated as long as they are honest ones. This created a stir within the banking fraternity and has been much criticised, as it will allow executive to make mistakes knowing that they can get away with those mistakes. A sense of getting a pardon for wrongdoings will tend them to take their responsibilities in a much serious manner. From the viewpoint of a shareholder, this irresponsible mentality is a crime that requires a death penalty (Haas and Lelyveld 2014). Shareholders and customers entrust the banks with their hard earned money and if the loose this money due to lack in their sense of responsibility; it turns out to be a total disaster for the stakeholders. Lets take a look at some of the factors of the global financial crisis. Banks throughout the world engaged too much in hedging and invested most of the money of their investors in bonds and other debt instruments that were secured by faulty commercial and residential mortgages. Too many collaterized debt obligations (CDO) were issued where the underlying assets were not performing (Fratzscher 2012). Banks were busy in making money by selling bonds, derivatives, swaps, and other securities without properly evaluating the status of the underlying assets. Most of these underlying assets were commercial and residential mortgages held by the banks for which advances were also provided by them. Banks were hardly bothered about recovering these loans as long as they were making money by selling securities collateralized by these loans (Haas and Lelyveld 2014). In the absence of a proper follow-up, these loans started to turn out bad and lost their value. The fact that these mortgages were t urning bad was undetected due to the fact that the bonds and securities were being sold got AAA ratings from most of the credit rating agencies. As a result, the banks paid much less heed towards proper evaluation and classification of these assets (Covitz, Liang and Suarez 2013). Gradually, these non-performing assets surfaced and the balance sheet of the banks started eroding. Non-performing assets or NPAs pose a great threat to the banks and are considered to be a real charge on the economy of a country. Banks are required to make provisions for NPAs out of their profits. As the amount of NPAs increased, the provisioning amounts also increased (Chodorow-Reich 2014). As a result, balance sheets of most of the banks started to show negative figures. This financial status brought down the market value of their shares along with the securities issued by them. All these contributed to the overall fall down of the international economies (Kuppuswamy and Villalonga 2015). Following the slow down came an enormous change in the regulatory and legislative frameworks. There was a wind to increase accountability and transparency in the manner business activities are carried out throughout the world. The concept of responsible lending practice became very popular. Respo nsible lending involved a proper evaluation of the credit worthiness of a potential borrower (Erkens, Hung and Matos 2012). Regulators were attempting to inculcate an environment of better governance and compliance to the regulatory and legislative changes that were made to increase the efficiency of the entire banking system. As mentioned above, the changes made by regulators and the government are meant to bring transparency and accountability among banking professionals. Ethical standards and code of conducts are being formulated and implemented to ensure that banks perform their duty of financial intermediation in a proper manner so as to cater an overall growth of the industry and that of the economy (Collins 2012). Effective internal control and internal check systems are effectively being placed to ensure that the risk of making mistakes are eliminated. In such a scenario, bankers are required to perform their responsibilities in a proper manner and be accountable for such work. This in no way hampers the risk taking ability of banks. It a conventional truth that risk and return are co-related (Kuppuswamy and Villalonga 2015). Effective risk management mechanisms are being used by financial institutions to counter and resolve risks arising out of their banking activities. The regulatory environment in no way wants banks to be risk adverse. Stringent norms are being put in place so that mistakes made by bankers do not cost the stakeholders and the banks valuable financial resources. However, if bankers are thrust in an environment where they know that they can be less accountable, the entire system will fail and it will become impossible to recover from such a situation. The main objective of the implemented codes of ethics and conduct will fail throughout the sector (Shiller 2012). This is what Lucy Kellaway stated in her article (the second article referred for this essay). A banker deals with public money and so being accountable and transparent in their work is one of the pre-requisites of the job. If they are allowed excessive room for errors, they will get in the habit of making errors. Some of these errors are inexcusable such as not adhering to proper documentation requirements, lack of foresightedness in evaluating the credit worthiness of a borrower, lack of seriousne ss in following-up of the advances made (Mullineux 2012). Errors in these cases might increase the operational risk of the bank that can ultimately lead to non-compliance of important legislative norms. Therefore, it can be said that regulators and legislators are not trying to make banks risk adverse but to take risks in a measured manner by proper evaluating the pros and cons of important investment and financial decisions (Singh 2012). In such a scenario, keeping loose ends internally will result in a total failure of the banking system. Performing financial services according to the applicable rules is the only way the objectives of an organization can be achieved. Lacking a spirit of accountability not only affects the stakeholders of a bank, it also affects the entire financial system of a country and this cannot be tolerated in an form (Collins 2012). Conclusion The above discussions point out to a very important fact about the functioning of banks throughout the world and its relation with national and international regulatory and legislative norms. The global financial crisis turned the tables for many developed countries and forced them to revisit their banking systems. In order to recover from the after affects of the crisis, various changes in the legislative front were made. Governments bailed out the economy of some of the worst affected countries of the world (Haas and Lelyveld 2014). The capital market collapsed and so did the securities market. Banks and other financial institutions became bankrupt in an attempt to cut short their losses. The aim of the regulatory reforms was to restructure the entire banking system. The risk taking ability of the banks faced an enormous challenge. Risk management had to be enforced in a new form by implementing an effective risk management mechanism that re-engineered the whole business process of these banks. Managing risk and being accountable was one of the primary objectives of the legislative changes. In such a scenario, if banking professional are allowed to get away with their mistakes, frauds and misconducts will increase rather than providing a proper solution. Therefore, it can be concluded that the objective of stringent norms is to empower the banking institutions to work better and contribute much more to the economic development. References Chodorow-Reich, G., 2014. The employment effects of credit market disruptions: Firm-level evidence from the 20089 financial crisis.The Quarterly Journal of Economics,129(1), pp.1-59. Collins, M., 2012.Money and Banking in the UK: A History(Vol. 6). Routledge. Covitz, D., Liang, N. and Suarez, G.A., 2013. The Evolution of a Financial Crisis: Collapse of the Assetà ¢Ã¢â€š ¬Ã‚ Backed Commercial Paper Market.The Journal of Finance,68(3), pp.815-848. Erkens, D.H., Hung, M. and Matos, P., 2012. Corporate governance in the 20072008 financial crisis: Evidence from financial institutions worldwide.Journal of Corporate Finance,18(2), pp.389-411. Flannery, M.J., Kwan, S.H. and Nimalendran, M., 2013. The 20072009 financial crisis and bank opaqueness.Journal of Financial Intermediation,22(1), pp.55-84. Frankel, J. and Saravelos, G., 2012. Can leading indicators assess country vulnerability? Evidence from the 200809 global financial crisis.Journal of International Economics,87(2), pp.216-231. Fratzscher, M., 2012. Capital flows, push versus pull factors and the global financial crisis.Journal of International Economics,88(2), pp.341-356. Haas, R. and Lelyveld, I., 2014. Multinational banks and the global financial crisis: Weathering the perfect storm?.Journal of Money, Credit and Banking,46(s1), pp.333-364. Kuppuswamy, V. and Villalonga, B., 2015. Does diversification create value in the presence of external financing constraints? Evidence from the 20072009 financial crisis.Management Science. Mullineux, A., 2012.UK Banking After Deregulation (RLE: Banking Finance)(Vol. 23). Routledge. Shiller, R.J., 2012.The subprime solution: How today's global financial crisis happened, and what to do about it. Princeton University Press. Singh, D., 2012.Banking regulation of UK and US financial markets. Ashgate Publishing, Ltd..

Sunday, April 12, 2020

Amazon Rainforest Essays - Amazon Rainforest,

Amazon Rainforest Amazon Rainforest The Amazon Rainforest is the world's greatest natural resource, yet still it is being destroyed just like other rainforests around the world. Rainforests are being destroyed worldwide for the resources they have; timber, cattle, agriculture, and subsistence cropping by rainforest inhabitants. Many of the local land owners farm deforested land for about two years until the unfertile soil goes barren. They leave thousands of acres of useless land behind, when they should be reforested. The Amazon Rainforest is located in the Amazon river basin along the equator. About 1/6th of all the types of vegetation in the world are located in rain forests. Many of the medicines we use today also come from the rainforest. Scientists believe that the cure for HIV and AIDS are probably hiding in the rainforest, waiting to be discovered. Scientists are also concerned that by deforesting the rainforest, we are destroying the undiscovered cure to many diseases. The rainforests are also very important to the worlds oxygen level, without the rainforest, much of the earth's carbon dioxide would go unpurified, making air pollution levels higher.. The Rainforest is being destroyed at an astonishing rate, about 5 acres of the amazon rainforest is being destroyed every 30 seconds. To preserve the rainforest, governments must make stiffer laws deforestation, governments should also take part in the reforestation of the rainforest. People like ourselves have to help in the reforestation of the rainforest too, there are numerous types of funding for the preservation of the rainforest. If we make the preservation of the rain forest a top priority, it will be preserved for many generations to cherish it. Geography

Tuesday, March 10, 2020

Gigantophis - Facts and Figures

Gigantophis - Facts and Figures Name: Gigantophis (Greek for giant snake); pronounced jih-GAN-toe-fiss Habitat: Woodlands of northern Africa and southern Asia Historical Epoch: Late Eocene (40-35 million years ago) Size and Weight: About 33 feet long and half a ton Diet: Small animals Distinguishing Characteristics: Large size; capacious jaws About Gigantophis Like many other creatures in the history of life on earth, Gigantophis had the misfortune of being the biggest of its kind until its fame was eclipsed by something even bigger. Measuring about 33 feet long from the tip of its head to the end of its tail and weighing up to half a ton, this prehistoric snake of late Eocene northern Africa (about 40 million years ago) ruled the proverbial swamp until the discovery of the much, much bigger Titanoboa (up to 50 feet long and one ton) in South America. To extrapolate from its habitat and the behavior of similar, modern, but much smaller snakes, paleontologists believe that Gigantophis may have preyed on mammalian megafauna, perhaps including the distant elephant ancestor Moeritherium. Ever since its discovery in Algeria over a hundred years ago, Gigantophis had been represented in the fossil record by a single species, G. garstini. However, the identification in 2014 of a second Gigantophis specimen, in Pakistan, leaves open the possibility of another species being erected in the near future. This find also indicates that Gigantophis and madtsoiid snakes like it had a much wider distribution than previously believed, and may well have ranged across the expanse of Africa and Eurasia during the Eocene epoch. (As for Gigantophis own ancestors, these smaller, mostly undiscovered fossil snakes lurk in the underbrush of the Paleocene epoch, the period of time just after the extinction of the dinosaurs).

Sunday, February 23, 2020

Lesson 2 Student 2 DF Essay Example | Topics and Well Written Essays - 500 words

Lesson 2 Student 2 DF - Essay Example The JHNEBP model is a combination of research and non-research encompassing nursing practice, education and the research fields. In utilizing PET, the practice question is designed so as to provide an answer from results. In evidence, research finds the answers by analyzing specific proof (data). The translation of the findings provides the method of implementing the infrastructure into a pilot application for further testing and refining (Melnyk & Fineout-Overholt, 2011). As you would know, there are seven tools utilized during the PET18 steps, applied within the process. and they are: Question Development, Evidence Rating Scale, Research Evidence Appraisal, Non-research Evidence Appraisal, Individual Evidence Summary, Overall Evidence Summation and Project Management (Melnyk & Fineout-Overholt, 2011, p.270). In the 18 step PET process, the first five steps occur in the Practice Question development phase, whereby a question is identified, the practice scope is defined, leadership and responsibility is assigned, a team is developed and the project conference scheduled. In the Evidence phase, internal and external research occurs, critical appraisal is made on findings, evidence is summarized including a rate of strength, and recommendations are made. In the third phase, Translation, recommendations are set into a plan of action, the changes are implemented, outcomes are evaluated, preliminary reports are made to the decision makers, support is obtained for implementation by a step-by-step process and, finally, the findings are communicated (Melnyk & Fineout-Overholt, 2011; Dearholt & Dang, 2012). In some situations, when research is limited in regards to a particular issue, nurses will need to review and evaluate other resources such as trade journals, peer expertise recommendations, professional organizations, regulations and guidelines

Friday, February 7, 2020

Car Safety Technologies Research Paper Example | Topics and Well Written Essays - 750 words

Car Safety Technologies - Research Paper Example n the wake of high incidents of accidents, governments have been working hard with automobile producers to incorporate safety technologies in their car models. As such, it is crucial for every individual to understand car safety features before making any purchase. This paper explores some of the most crucial car safety technologies in the automobile industry for the benefit of individuals with plans of buying cars at present or in the future. What would it feel like to take a ride in a car with faulty braking system or loose wheels? Ideally, no one would ever want to put his or her life at risk by getting behind the wheel of a road unworthy car. However, many accidents have occurred with vehicles perceived to be perfect for the road, but how can this problem be solved? The incorporation of car safety technologies is the answer to improving passenger safety in cars. Advance technologies are ensuring high-level testing and thus safer vehicles. Automobile producers are actively pursuing and investing in technologies, which are aimed at improving safety of their products. The following are some of the car safety technologies available in the automobile industry: Electronic stability control (ESC): This technology is significantly minimizes the risk of car skidding when one pulls an emergency action. ESC technology is made in such a manner that it applies automatic braking to particular car wheels (Aparow et al 270). This technology also has the ability to cut the engine power temporarily so that the car driver can maintain control of the car. ESC remains a crucial safety technology in modern vehicles, thus car buyers and owners should ensure they fit this particular car safety technology. Tire-pressure monitoring technology: In the US, all passenger vehicles of 10,000 pounds or below are required by the Traffic and Safety Administration to be fixed with a system that monitors pressure of the tires. Sensors fixed on the car wheels will alert the driver in the

Wednesday, January 29, 2020

The Role of the Dead Letter Office Essay Example for Free

The Role of the Dead Letter Office Essay While Melville only mentions the Dead Letter Office in the last paragraph, he portrays its significance throughout the story. Melville reveals Bartleby previously worked in a Dead Letter Office, where he handled the monotonous task of burning undeliverable mail. Because the narrator views Bartleby as a mirthless man, he feels pity for Bartleby working at a place devoid of happiness. By employing a theme of lost hope, Melville describes the dead letters as mail, which fails to reach its destination with its encouraging message or item of value. Melville associates the melancholy present in Dead Letter Office with the strife evident in Bartlebys life. In Melvilles short story, the Dead Letter Office serves as an influence upon Bartlebys fastidious nature. Throughout the story, Bartleby expresses his preferences in regard to his work, which primarily result from the dissatisfaction he felt in his previous profession. Perhaps Bartlebys refusal in performing his duties signifies his dismissal of authority, which indicates Bartlebys desire to control his own life. By characterizing Bartleby as an isolated man, Melville demonstrates how Bartlebys environment separates him from nature and the company of others. Working in the narrators office, Bartleby occupies a secluded area near a window, where he constantly stares at a wall. Bartleby exhibits the behavior of a loner as he stays at the office even at night, when no one occupies the streets. When Melville states On errands of life, these letters speed to death, he refers to the Dead Letter Office as a symbol of mortality (Melville 52). In describing Bartlebys former occupation, the narrator even acquaints the dead letters of the mail center with dead men (51). Melville portrays the final depressing image of death through Bartlebys former workplace, the Dead Letter Office.

Monday, January 20, 2020

Social Role Play and the Search For Identity in Chopin’s Desiree’s Baby

Social Role Play and the Search For Identity in Chopin’s Desiree’s Baby When I think about women’s role in our society, especially nowadays, the first word that comes to my mind is ‘exhausted’. What I mean is that this subject is exhausted. There are so many literary and sociological interpretations of the physical and psychological female image that whatever I say or prove would be just another attempt to understand the ‘incomprehensible’. It’s not because I am a woman, or may be exactly because I am. But here the important expression is ‘I am’ and the extension can be endless. And what a human life is but an everlasting search for the right word that would complete the sentence. As if we could complete it, our personality will be completed as well. And after years of searching, finding and again searching, we finally understand that there are so many ‘I ams’ some of which have no logical explanation or certain definition and all are subjected to so many social and personal factors. Nevertheless I will turn to one literary interpretation, Kate Chopin’s Desiree’s ...

Sunday, January 12, 2020

How to Build Relationship in a Small Business Essay

According to Gronroos (1997), marketing in relational terms means â€Å"To establish, maintain and enhance relationships with customers and other partners, at a profit so that the objectives of the parties involved are met. This is achieved by mutual exchange and fulfillment of promises†. As to whether a business will profitably benefit from investing in relationship with its customers and other stakeholders, a lot depends on the nature of the business. With regards to certain sectors, like the service sectors, it becomes imperative to develop the relationship with its customers, so as to ensure consistent growth and sustainable competitive advantage. In big organizations like the banks, the bureaucracy makes it difficult for these institutions to be responsive to the needs of their customers. Hence customer relationship building becomes problematic. But taking a small business like a hairdressing salon, various relationship management techniques are blindly employed by these hairdressers to build relationships with customers. This paper uses the situation of a hairdressing salon located at Akweteyman, a suburb of Accra, Ghana to explain how relationships with customers are built over the years. Top Curls Beauty Salon, located in Akweteyman, is owned and run by Joyce Owusuwaa. She has employed three hairstylists and has six apprentices. She has operated the business for Ten years, and currently is patronized by lots of women from the locality and beyond. Relationship management techniques clearly play out in such small businesses because of the fact that those delivering the services are mostly the owners, and have the passion to see the business grow, hence making them highly entrepreneurial. Conditions that are conducive to relationship management It is not every business that can profitably practice relationship management. Certain conditions must exist to foster the development of an intimate relationship with clients. According to Szmigin and Bourne (1998), the value of a relationship, and by implication the desire to commit to it, will depend on the nature of the service, the nature of the consumers and the nature of the situation. Berry (1983), discussing the service sector identifies three conditions for the applicability of Relationship Management. First of all, the customer has to show a continuing and periodic desire for the service. Secondly, the service customer must be able to select the service provider, and finally there must be a choice of suppliers available to the customer. Berry (1995), further points out that, high involvement services, such as banking, insurance and hairstyling services have the characteristics which lend themselves to relationship building. Taking the case of Top Curls Beauty Salon located at Akweteyman, a suburb of Accra, it has the conditions conducive to Relationship building. Women, both young and old, have a continuing and periodic (which could be fortnightly or weekly) desire to have a hairstyle that enhance their beauty and appearance. The clients, in this case the women themselves; do the selection of the hairstylist. There is also a plethora of hairstylists and salons around the Akweteyman locality, in which case constitutes a large pool of hair salons available to the customers. So how does Top Curls Beauty Salon build relationship with customers? Consistency of quality of service For Joyce, quality of service is very critical to building a long-term relationship with its customers. Quality of service, in terms of a hairstylist, has to do with how good the client feels at the end of delivering the service. Not necessarily the final product in terms of pleasant appearance, but how the person was attended to at the salon upon entering it, how the salon attendants as well as the final hairstylist were gentle with the hair of the client, may be in terms of how gently they stroke and caress the client’s hair and the kind of pep talks that went on with the client during the service, all go a long way to establish an excellent quality of service in the mind of the customer. This could lead to repeat patronage as well as referrals. But the question one may want to ask is; how does she ensure that this quality of service is at least maintained, even to the extent of her brief absence? Though she has about six apprentices, she also employs three hairstylists who had undergone an extensive training and coaching from established beauty schools, and mentoring from her. These three stylists have the flair for the job and assist her as well as deputize for her in case of her absence. In fact these girls are trained all-round, and can solve every client issue. Customization Every customer, be it existing or new, that enters Top Curls Beauty Salon is unique in lots of ways. Customers differ in their appearance, shape of their head, the texture of their hair, the color of their hair, the length of their hair, the strength of their scalp, their likes and dislikes, their socialization and exposure, level of education, age and complexion etc. One style will definitely not fit all of them. This calls for customized service. In fact the business of hairstyling thrives on variety and customization of services to individual customers. The hairdresser gains a better knowledge of the customer’s requirements and needs over periods of encounters. This knowledge can then be combined with social rapport built over a number of service encounters to tailor and customize the service to customer’s specifications. But there is a challenge for Joyce when a customer wants a style which is in vogue, but which will not fit the customer. In a situation like this, persuasion is done with all the tactness, and explanations given to convince the customer that a better style, which is also in vogue will best suit her and give her that â€Å"knockout† appearance and appeal. Customization is very much aided by the next point, which is; two-way communication dialogue. Two-way communication dialogue The rapport between a hairdresser and her customers is very important if a long term relationship is expected. The kind of communication dialogue that ensues in the salon does not only bolster the relationship, but also brings a lot of client issues to the fore so that the hairdresser can best satisfy the needs of the customer. According to Joyce, she constantly engages the customers in a dialogue, all to unearth their needs. Some customers, based on how they have been conditioned in other salons, just remain quiet throughout the period that they are being attended to. These customers leave the salon only to change their hairstyle as soon as they get to the house. By engaging them in a conversation, they feel comfortable to actually come out with how they want their hair to look like, hence promoting the likeliness of future business and referrals. It is only through a two way communication dialogue that customer needs could be met. High level of interaction There is a high level of interaction between a hairstylist and her customers. The relationship between a woman and her hairdresser is unique. This is because she develops an intimate relationship with her hairdresser as a result of visiting the salon regularly. Women go to the extent of confiding in their hairdressers on issues like personal relationships or marriage and family issues. Why won’t they, if they trust their hairdressers enough to alter their physical appearance, sometimes radical? For some customers, it is all about enjoying the whole experience of going to the hairdresser. For this people, you can always have a good chart at the hairdresser’s salon, as well as catch up on the latest gossip. Hence hairdressers initiate certain lines of conversations and gossips, especially fashion, all to get the salon exciting. Some also go to the salon because they need someone to talk to. They tell their hairdresser really personal things, having in their mind that thei r hairdresser is a good person to speak to, because they are completely separated from their lives. With the advent of technology, this form of bonding with customers is enhanced by mobile phones, which makes it possible for the interactive platform to be extended outside the salon. Plays a professional as well as an advisory role Hairdressers play a professional as well as advisory role to their customers. One could classify them as â€Å"informal† psychologists, who exert a level of influence on their customers, not only to change their hairstyles, but positively impact on their lives. Moreover, by virtue of their knowledge in hair grooming and taking care of hair in terms of what hair products the consumer should avoid and those that are suitable (health wise) to them, hairdressers always have the client at heart and appear to act in the interest of the client. If a client should suffer a hair loss, or let’s say suffer a scalp infection as a result of misapplication of a particular hair product, it will adversely impact on the relationship with the client, and generate a negative word of mouth as well. This situation, the hairdresser avoids as much as she can. These are some of the main reasons why she ensures that clients’ hairs are attended to by her and the three most qualified emplo yees. Just to avoid such incidents. Hence, the clients trust the hairdresser to take care of their hair, which the hairdressers consistently do, in their daily dispensations. High commitment and fulfillment of promises From the above point, one can say that hairdressers exhibit a high level of commitment towards the client, and help the clients solve their hair problems. A typical example is when clients consult their hair dresser on problem of hair loss and breakage. The hairdresser goes the extra mile in recommending an appropriate product for solving the problem. Some hairdressers go to the extent of purchasing the product and assisting the client in applying it, all for a fee, and which helps in bonding with the customer. Hence, a constant commitment to solving the hair problems of the client goes a long way to improve on the relationship with the customer. Furthermore, the hairdresser endeavors to fulfill her promises to the client. It is not easy trusting anybody to change your appearance or outlook. What is the assurance and likelihood that you would like the final appearance you are given? Hairdressers, by leveraging their skills and flair, fulfill the promise of making the client feel good at the end of the service delivery. There are situations where some clients refer new customers, and a challenge appears in terms of satisfying this new customer, and fulfilling the expectation and hype. But hairdressers leverage the two-way dialogue to meet the expectations of this new customer. Long-term orientation and horizon Long-term orientation and horizon is a key feature hairdressers use to build a lasting relationship with customers. How long a customer is kept in a relationship and share of their wallet they spend in that salon is very important to the long-term profitability of the hairdresser. There are situations where customers had relocated to a distant suburb in the capital, and yet trek to the old suburb just to patronize the services of a trusted hairdresser. It is important to see customers as partners rather than opposite parties, as highlighted by Gummesson (1999). He goes on to pontificate that long-term collaboration and â€Å"win-win† as a key feature of building relationships. This view promotes collaboration, and creation of mutual value for both the hairdresser and the customer. There are situations where hairdressers freely apply certain pomades or sprays, at least initially, just to woo these clients in the long-term. Sometimes too, customers are given discounts just to get them to patronize the salon for a longer period. Hairdressers, in this sense, do not wholly transfer cost to the customers. Customers are handed certain benefits which in the long run make them loyal to the hairdresser. This loyalty is sometimes assured and maintained even when customers relocate to different localities. Customer lifetime value Finally, hairdressers view customers, though crudely, in terms of their lifetime value to the business of hairdressing. They nurture the notion that if you can best satisfy and delight a particular customer the more likely you are to have a sustained relationship with the client. This lifetime relationship could be extended to the client referring family members and close peers to that particular salon. Furthermore, taking such a position makes it difficult for the client to break the relationship with the hairdresser. How has Top Curls Beauty Salon benefited from developing such relations? First and foremost, the fact that she has established a bonding relationship with them, the customers do not react negatively to price increments, since they know they are getting value for money. Besides, compared to the prices competing salons are charging in the locality, Top Curls Beauty Salon’s charges could be termed as premium, yet the customers see it as appropriate. Again, some customers move to distant localities and yet regularly visit the salon. The client base of the salon has greatly increased as a result of referrals from these customers. The salon has been able to leverage their service â€Å"brand† into other forms of grooming. The salon now does manicure and pedicure as well. But all these are not without hitches and challenges. Not every relationship developed has yielded the returns. In fact some has yielded negative returns. But on the whole, building a lifelong relationship with its customers has brought some level of success. REFERENCES Gronroos, C. (1997) ‘From marketing mix to relationship marketing – towards a paradigm shift in marketing’, Management Decisions, 35, 4, 322-339 Szmigin, I. and Bourne, H. (1998) ‘Consumer equity in relationship marketing’, Journal of consumer marketing, 15, 6, 544-557 Berry, L. L. (1983) ‘Relationship marketing’, in L. L. Berry, G. L. Sostack and G. Opah (eds) Emerging Perspectives on services marketing, Chicago, II: American Marketing Association, 25-28. Berry, L. L. (1995) ‘Relationship Marketing of Services, Growing Interest, Emerging Perspectives’, Journal of the Academy of Marketing Science, 23, 4, 236-245. Gummesson, E. (1999) Total Relationship Marketing – Rethinking Marketing Management : From 4Ps to 30Rs, Oxford: Butterworth-Heinemann.

Saturday, January 4, 2020

Market Star Human Resource Management Analysis - Free Essay Example

Sample details Pages: 7 Words: 2006 Downloads: 6 Date added: 2017/09/12 Category Advertising Essay Did you like this example? Market Star Human Resource Management Analysis Brief History Founded in 1988, MarketStar is a sales and marketing outsourcing company providing flexible retail, VAR (Value-added reseller) and direct sales solutions for the worlds leading and emerging companies. MarketStar uses skilled sales and marketing professionals and industry-proven go-to-market tools and intelligence to help clients accelerate sales and achieve market dominance. Its proficiency in recruiting professional and dedicated outsourced sales staff that delivers actionable knowledge has enabled them to consistently produce predictable and profitable results. MarketStar was founded by Alan Hall in his basement in Ogden, Utah. MarketStar is still headquarted in Ogden, Utah, but serves companies all over the country. Now, MarketStar has approximately 2,500 employees worldwide serving clients in more than 20 countries on six different continents. MarketStar is a part of Omnicom Group (NYSE: OMC)—the worlds leading marketing communications company. This affiliation allows MarketStar to collaborate with other Omnicom Group members to better serve its clients. Don’t waste time! Our writers will create an original "Market Star Human Resource Management Analysis" essay for you Create order Dave Treadway, president and CEO since 2003, is responsible for the strategic and operational leadership of MarketStar. Under Treadways direction, MarketStar has accelerated investments in thought-based leadership, including market analysis. MarketStar represents several Fortune 500 companies, including Hewlett-Packard (14), Verizon Communications (17), Microsoft (44), and Cisco Systems (71). MarketStar employees drive an average of $5 billion in sales for their clients each year. Characteristics of a good Human Resource Management Most Important * Employment Security * Selectivity in Recruiting * Fair Wages/Incentive Pay * Employee Ownership/Participation and Empowerment * Information Sharing * Self-Managed Teams/Training and Skill Development * Promotion from Within Employment Security MarketStar is contracted to represent other companies, which implies that job security is not guaranteed. The companies represented by MarketStar could decide to forgo the services provided; causing a lack of jobs for the teams that represented the dismissed company. In such scenarios, MarketStar does all possible to move the employees of the dismissed teams to other teams available. The downside to employment security at MarketStar is there is simply no future work guarantee. When certain MarketStar accounts close, the company may have no choice but to lay the employees off. However, in our survey, the majority of MarketStar employees felt fairly comfortable that job security was available to an extent. Some employees were even found in the situation of an account closing, but were repositioned and kept their jobs as different employees in different teams. We feel the employment security at MarketStar is rated around the average score because even though there is no guaranteed work for life, MarketStar will help to keep their current employees with the business. Layoffs may come but mostly due to outside circumstances. Selectivity in Recruiting MarketStar helps many different types of companies and therefore attempts to place MarketStar employees to best fit the needs of their clients, other companies. MarketStar posts job opening on their website with a brief overview of their company and then the responsibilities expected of the opening they are seeking. Here is an example of a current job opening in Ogden, UT for a Player/Coach Inside Sales Rep. Marketstar currently has an opportunity available for Inside Sales Player Coach who will be responsible to work with the Inside Sales Account Managers to provide sales support and be responsible for outbound calls into prospective accounts regarding inContact products, services and provide leadership for the team. RESPONSIBILITIES: †¢ Assist manager with day to day management of the team †¢ Identify needed skill sets, and teach those skills to those he/she upervises, both in individual and group settings †¢ Understand the industry and the client’s business objectives and develop and implement a strategy that will achieve those objectives †¢ Responsible for sales lead entry REQUIREMENTS: †¢ College degree preferred †¢ 5 years+ work experience †¢ Knowledge and experience in the B2B channel and IT industry †¢ At least 1 year previous management/coa ching experience †¢ Previous sales and marketing experience needed †¢ Prior experience in handling customers †¢ Must be detail oriented Strong ability to multi task and manage time †¢ General knowledge of the business to business sales process †¢ Motivated to excel in results and be a self-starter †¢ Must have a technology aptitude MarketStar does not discriminate in any aspect of employment on the basis of race, color, religion, national origin, ancestry, gender, sexual orientation, gender identity and/or expression, age, veteran status, disability, or any other characteristic protected by federal, state, or local employment discrimination laws where MarketStar does business. This job posting shows they are very selective with requirements such as, 5 years+ experience, must be detail oriented, at least 1 year previous management, etc. If you apply online for this job it requires an answer from each one of the requirements listed above. Since MarketStar is very specific in the needs they are looking for we do not recommend in changes in this area. Fair Wages/Incentive Pay MarketStar offers competitive wages with very competitive benefits. Although exact salaries and wages are not made available, nearly all of the surveyed employees expressed feelings of being paid fairly in regards to their job responsibilities. MarketStar also offers performance-based bonuses, work related reimbursements such as mileage reimbursements and cell phone service reimbursements, and other pay incentives that are all dependent on the position and the client. MarketStar also offers competitive benefits including multiple medical and dental plan options, paid holidays with additional floating holidays, paid vacation and personal time, 401k matching, stock purchase options, and more. Some of the extra benefits that MarketStar employees receive include employee discounts, paid birthdays off work, semi frequent contests, and extracurricular activities during the paid workday such as movie days or barbeques. In the end, MarketStar seems to rank pretty highly in regards to competitive pay and benefits. Employee Ownership/Participation and Empowerment Employees are given personal and team related goals that are generally measured monthly or quarterly. Although this allows employees to have a direct affect on the organization, the consensus of the surveyed employees was that they were not involved in the goal setting or KPI setting process. Certain positions within the company do allow employees to manage their territories, work schedules, and customer base individually; however, some positions are not as flexible. It seems that employee empowerment is based on what position you have and what client you represent. I recommend that MarketStar implement a goal setting procedure that includes input from the entire team. Each team member of each team should be given the opportunity to participate in the goal setting process to give him or her more empowerment over the work they will set out to achieve. Along with participating in goal setting, employees should be given the opportunity to make decisions on individual and team procedures and requirements to meet the expectations and goals of the individual and team. Information Sharing MarketStar has an internal website where employees can view information and past articles that were written. The public website also contains some information on financials. Occasionally, MarketStar sends emails with information about the company. From an employee perspective, MarketStar does not share much information as a whole to employees, but more on an individual team base. We recommend that MarketStar focus more on sharing information about the position of the whole company through more detailed email reports. This could help employees feel more important about the job they are performing and that it is making a difference to MarketStar as a whole. Self Managed Teams/Training and Skill Development We consider MarketStar’s new hire training to be average. The overall consensus in our survey was adequate but not great. Several online trainings are provided throughout one’s employment. Some are required and some are optional. These online trainings are centered on several different skills associated with general and specific topics. New employees at MarketStar are typically trained face to face, on the job, involving a lot of ride-a-longs and observation scenarios. A leadership training section is also available to help train certain employees. In this training, skills are developed to improve leadership throughout MarketStar. Discipline, compensation, interviewing, and recruiting are some of the topics covered. We found that leadership is a big part of MarketStar because there is a large amount of work done in teams. Teams are self-managed in many situations and have helped MarketStar provide the best service to each company with an account. The recommendations we have for self-managed teams and training-skill development is to provide more in-depth training for new employees. The employees surveyed shared that the training was only considered adequate. This will also help to continue to improve the well-roundedness of employees to enable teams the knowledge to handle non-typical cases they may come across. Better self-managed teams can assist in efficiently providing the service requested. Promotion from within Recruiting within provides current employees advancement for superior performance. Recruiting within supplements and encourages other high performance characteristics such as training and employee empowerment. By promoting within, an organization is less likely see other companies benefit from its training efforts. Needless to say, an employee can feel in charge of their destiny when opportunities are available for their hard work and dedication. Like a chain reaction a list of positive attributes spring from hiring from within; high morale, high employee engagement, retention of valuable employees. At MarketStar existing employees generally have first opportunity at open positions. Although there are a number of avenues for announcing new positions, employees are generally alerted to open positions via email. One employee feels that most managers he knows were hired internally. MarketStar prefers to train and develop their employees to prepare them for more responsibility. Candidates for internal promotions or transfers must meet minimal qualifications, have performed in a current position for a period of 12 months, and must not be in any disciplinary situations. The employees at MarketStar feel they have a better chance at open positions than someone externally. They also feel they can be rewarded for their experience and performance. MarketStar deserves high marks after review their internal hiring practices. MarketStar HR Characteristics Ratings We evaluated each HR Characteristics on a rating from 1-10, 1 being the worst and 10 being the best. . MarketStar Employee Survey 1. Do you feel secure in your job? Do you feel like you could work at Market Star for as long as you would like? All of the employees who responded answered that they currently do feel secure. However, one of them was laid off from another account prior to working on their current one or knew of others who had been laid off. 2. Did you feel you received enough training for your position? If so, what kind of training did you receive? The general consensus was that training was overall adequate but could be a little more frequent and in depth. Most training was done in person for new hire training, and online training throughout their employment. 3. Do you feel that you were selected as an employee based on your experience or credentials? Yes, all employees answered that past experience and credentials as well as having a good interview. 4. Do you feel that MarketStar shares the information, financials, future plans, etc,  that you are interested in? Most employees stated that they did not know. This probably means no. They do get occasional emails and know that some of it is posted on the employee website. 5. Do you feel like you are paid fairly for the work you do? All employees answered yes. How would you rate Marketstars benefits? Every employee answered either average or above average. * Above average * Average * Below average 6. Do you feel that you are empowered in your position? The answers on this one varied from yes because employees are given control over their territories and schedule, and no, because they are not involved in goal setting or other decisions. . Do you feel that you are given a fair chance when promotions become available? All answered yes based on how long they have been there and their performance. 8. Does MarketStar give internal employees a better shot at promotions than external employees? The perception from the employees was yes that internal employees were given priority over external employees. Sources www. marketstart. com, Scott Lewis à ¢â‚¬â€œ MarketStar Employee Other Employees from MarketStar