Wednesday, July 31, 2019

Economic midterm

SST. Charles Hospital, located in an upper-income neighborhood of a large city, recently received a restored mansion as a gift from an appreciative patient. The board of directors decided to remodel the mansion and use It as recuperative quarters for patients willing to pay a premium for luxurious accommodations. The cost to the hospital of using the mansion includes Selected Answer: d. Both b and c Question 2 O out of 0. 5 points Which of the following statements Is false? Selected Answer: c. D If economic profit is positive, accounting profit must also be positive. Question 3Economic profit is the best measure of a firm's performance because the opportunity cost of using ALL resources Is subtracted from total revenue. Question 4 Mallory decides to spend three hours working overtime rather than watching a video with her friends. She earns $8 an hour. Her opportunity cost of working is the enjoyment she would have received had she watched the video. Question 5 Russell spends an hour studying Instead of playing tennis. The opportunity cost to him of studying is Selected Answer: c. The enjoyment and exercise he would have received had he played tennis. OF 22 Economic profit Selected Answer: a. Al never exceed accounting profit. Question 7 Bee is opening her own court-reporting business. She financed the business by withdrawing money from her personal savings account. When she closed the account, the bank representative mentioned that she would have earned $300 in interest next year. If Bee hadn't opened her own business, she would have earned a salary of $25,000. In her first year, Bees revenues were $30,000. Which of the following statements is correct? Selected Answer: c. B Bees total explicit costs are $25,300. Question 8 Suppose that the firm's only variable input is labor.When 50 workers are used, the average product of labor is 50 and the marginal product of labor is 75. The wage rate is $80 and the total cost of the fixed input is $500. What is average var iable cost? Selected Answer: b. $1. 60 Question 9 Suppose that you run a house-painting company and currently have 2 workers painting a total of 4 houses per month. If you hire a third worker, 6 houses can be painted per month. If you hire a fourth worker, 9 houses can be painted, and a fifth and sixth worker will increase the number of houses painted to 13 and 15, respectively. Diminishing returns Selected Answer: set in when the sixth worker is hired.Question 10 When marginal cost is rising, average variable cost Selected Answer: a. D must be rising. Lorry's Lunchmeats is a small street vendor business. If Larry makes 15 pretzels in his first hour of business and incurs a total cost of $16. 50, his average total cost per pretzel is $1. 10. Question 12 At all levels of production higher than the point where the marginal cost curve crosses the average variable cost curve, average variable cost rises. Question 13 Teacher's Helper is a small company that has a subcontract to produce i nstructional materials for disabled children in public school districts.Then the Selected Answer: b. A Question 18 Consumer surplus all of the above Question 19 Suppose a frost destroys much of the Florida orange corp.. At the same time, suppose consumer tastes shift toward orange Juice. What would we expect to happen to the equilibrium price and quantity in the market for orange Juice? Price will increase, quantity is indeterminate (may increase or decrease). Question 20 You lose your Job and, as a result, you buy fewer romance novels. This shows that you consider romance novels to be a(n) Selected Answer: c. A luxury good.Question 21 Consumer surplus is the amount a buyer is willing to pay for a good minus the amount the buyer actually pays for it. Question 22 Which cell in the following table represents an increase in equilibrium quantity and an indeterminate change in equilibrium price? An Increase in Supply An Increase in Demand A A Decrease in Supply Selected Answer: b. D c Qu estion 23 An example off price floor is Selected Answer: a. B rent control. Question 24 Which of these statements best represents the law of demand? When the price of a good decreases, buyers purchase more of the good.Question 25 In the housing market, rent control causes quantity supplied to fall and quantity demanded to rise. Question 26 If the market price of eggs rises at the same time as the market quantity of eggs researches decreases, this could have been caused by a decrease in supply with no change in demand. Question 27 Question 28 Use the following demand and supply functions to answer the following question: Demand: Q = 50 – UP supply SQ = 20 + UP If the price is $10, there is a surplus of 30 units. Question 29 Which of the following will cause an increase in consumer surplus? Technological improvement in the production of the good Question 30 Suppose you are in charge of setting prices at a local sandwich shop. The business needs to increase its total revenue and your Job is on the line. If the demand for sandwiches is elastic, you Selected Answer: d. C should not change the price of sandwiches. Question 31 Merrill's income elasticity of demand for football tickets is 1. 50. All else equal, this means that if her income increases by 20 percent, she will buy 30 percent more football tickets.Question 32 Which of the following could be the cross-price elasticity of demand for two goods that are complements? Question 33 Selected Answer: d. B demand is inelastic and supply is elastic. Question 34 When we move upward and to the left along a linear, downward-sloping demand curve, price elasticity of demand Selected Answer: b. C always becomes smaller. Question 35 When the price of bubble gum is $0. 50, the quantity demanded is 400 packs per day. When the price falls to $0. 40, the quantity demanded increases to 600.Given this information and using the midpoint method, we know that the demand for bubble gum is elastic. Question 36 At age 40, Joe is considering quitting his Job and going back for a college degree. He needs two more years full-time. Tuition is $10,000 per year. He earns $30,000 per year. A college degree would raise his annual income by $10,000 per year. He will retire at age 70. From an investment standpoint, Joe will go back full-time if Selected Answer: a 10,000 x > 40,000 x Question 37 Martha and Sarah have the same preferences and incomes.Just as Martha arrived at the theater to see a play, she discovered that she had lost the $10 ticket she had purchased earlier. Sarah Just arrived at the theater planning to buy a ticket to see the same play when she discovered that she had lost a $10 bill from her wallet. If both Martha and Sarah are rational and both still have enough money to pay for a ticket, which one of the following statements is correct? Martha and Sarah will take the same action (either to pay for another ticket or not to ay) because the ticket lost or $10 lost is a sunk cost and it should not fa ctor into their decisions.Because bagels and cream cheese are often eaten together, they are complements. Suppose we observe that the equilibrium price of cream cheese has risen but the equilibrium quantity of bagels has fallen. Which of the following explanations is consistent with these changes in the bagels and cream cheese markets? Price of milk increased. Question 39 complements. Suppose we observe that both the equilibrium price of cream cheese and the equilibrium quantity of bagels have increased. Which of the following Price of flour decreased.

Tuesday, July 30, 2019

Romance of the Three Kingdoms

Brief: This book is one of â€Å"Four Great Classical Novels† of Chinese literature; it is the first river novel writes by chapters in China . It is a Chinese historical novel based upon events in the turbulent years near the end of the Han Dynasty and the Three Kingdoms era of China, starting in 169 and ending with the reunification of the land in 280. The whole book has 120 chapters, and a total of 800,000 words and 1,798 dramatic characters and nearly 40 battles. The story begins with the end of Eastern Han Dynasty. The government becomes extremely corrupt on all levels, leading to widespread deterioration of the empire. During the reign of the penultimate Han emperor, Emperor Ling, the Yellow Turban Rebellion breaks out under the leadership of Zhang Jiao; And finishes with the early Western Jin Dynasty, the three regimes return to a unified national. During those 100 years, there were many conflicts among the various warlords and nobles, then the three kingdoms were appeared on the stage of the history, we cal l them ——Cao Wei (Cao Cao), Shu Han (Liu Bei, Zhuge liang), Eastern Wu (Sun Quan). This book focuses on describing the three countries competing for the land, people, people in the process, there are many scenes of great wars, and ups and downs in the story as if it can help people back to thousands of years ago where a bloody battlefield, to give readers a thrilling sense of deep. The wits of the strategy of heroes in the book is very fascinating, whether it is good ideas, or intrigue, all of them are make readers feel the great wisdom and wonderful imagination of our ancient. There are many main characters in the Romance of the Three Kingdoms, however the main focus is on the hero, Liu Bei(Shu Han), who is a distant relative of the reigning family. The story opens up with the decline of the Han Dynasty, the ruling dynasty of all of China for the past 400 years. As the royal throne begins to crumble and lose power, a rebellious cult arises that brings together wonderful and terrible generals to fight off the rebellious menace. This sets the stage for the heroes of the Han army to make a name for them and to gain power. As the story unfolds over many, many chapters, the throne eventually loses all power and is basically controlled by one of its ministers, a former hero of the rebellions, Cao Cao. He ends up being the villain of the story as he forms the Wei kingdom that manipulates the throne and the Emperor for personal gain. In fact,the 70% of the story is real history, and the other 30% is besides unofficial historical records, folk stories and Sanguozhi Pinghua(another historical book about Three Kingdoms), some were created by the author on his own. So I want to show you two differences between the stories of the real history. Hua Rong Dao(a name of place) Story In the book, it described that Guan Yu intercepted Cao Cao on the Hua Rong Dao after Cao Cao loss the Chi Bi War. And at that time, Guan Yu had very high chance to kill Cao Cao. If that, it won`t happen the situation that there are three countries. But Guan Yu remembered out some past and liberated Cao Cao finally. He lost the chance. But in the reality, the person who went to intercept Cao Cao is not Guan Yu. While it`s Liu Bei. And it`s too late when Liu Bei got there. So Cao Cao run away. This story is mainly in order to play down Cao Cao and set up the perfect image of Guan Yu. Zhou Yu Story In the book, Zhuge Liang angered Zhou Yu three times and Zhuge Liang died finally. In the reality, Zhou Yu is smarter than Zhuge Liang. For example, the strategy of Chi Bi is thought out from Zhou Yu, not Zhuge Liang. At that time, Zhou Yu even didn’t pay attention to Zhuge Liang. They have less chance to meet each other. From Chi Bi War to two years after Zhou Yu’s death, Zhuge Liang were doing the logistics and had no chance to see Zhou Yu. Even in the memorial meeting, the representative of Shu Country is Pang Tong, not Zhuge Liang. The course of death of Zhou Yu is overwork. The preferred country of author is Shu country. And the most preferable people of author is Liu Bei and Zhuge Liang. So at here, the author played down Zhou Yu and enhances the image of Zhuge Liang. When I was a middle school student, my father asked me to read this book, but it was hardship and boring for me, I just read it without thinking. But now I like it better with age, I love Cao Cao’s cunning, Guan Yu’s loyalty, Zhuge Liang’s extremely intelligent; I love Lu Bu’s single-minded, I love Zhao Yun’s brave, Zhang Fei’s impulse. All of them are vivid and interesting. I think the biggest advantage of this book is that everybody can learn something from it. In Romance of the Three Kingdoms,there are a lot of knowledge about military science, psychology, science of resourcefulness, public relations, science of personnel and so on. The schemers of the three kingdoms use various sorts and varieties of knowledge to help their lord to win the wars and earn the lands. And by reading this book, I realized that a lot of truth in life, for example, in this book the author always stressed a sentence: ‘This world will separate after long time united. Also it will do the opposite after long time of plighting. ’ This sentence has been verified many times in Chinese history after that. And in China, we have many Chinese proverbs in use today are derived from the novel, like â€Å"Three reeking tanners (are enough to) overcome one Zhuge Liang. † The meaning is three inferior people can overpower a superior person when they combine their strength. Because Zhuge Liang was very smart, but if we can make us unity, we can overcome Zhuge Liang. The Romance of the Three Kingdoms is definitely a challenging book, but is really a hidden treasure as most people who interested in Eastern culture. Mainly being a popular book in the Asian countries, it is a great book for those that enjoy historical fiction books with a twist of fantasy or for those that enjoy war/strategy novels. This is a great book and is highly recommended for anyone looking for something different to read.

Monday, July 29, 2019

Monopoly †economics Essay

In this chapter, look for the answers to these questions: ? Why do monopolies arise? ? Why is MR < P for a monopolist? ? How do monopolies choose their P and Q? ? How do monopolies affect society’s well-being? ? What can the government do about monopolies? ? What is price discrimination? Economics PRINCIPLES OF N. Gregory Mankiw Premium PowerPoint Slides by Ron Cronovich  © 2009 South-Western, a part of Cengage Learning, all rights reserved 1 Introduction ? A monopoly is a firm that is the sole seller of a product without close substitutes. Why Monopolies Arise. The main cause of monopolies is barriers to entry – other firms cannot enter the market. Three sources of barriers to entry: 1. A single firm owns a key resource. E. g. , DeBeers owns most of the world’s diamond mines 2. The govt gives a single firm the exclusive right to produce the good. E. g. , patents, copyright laws 2 ? In this chapter, we study monopoly and contrast it with perfect competition. ? The key difference: A monopoly firm has market power, the ability to influence the market price of the product it sells. A competitive firm has no market power. MONOPOLY MONOPOLY 3 Why Monopolies Arise 3. Natural monopoly: a single firm can produce the entire market Q at lower cost than could several firms. Example: 1000 homes need electricity ATC is lower if one firm services all 1000 homes than if two firms each service 500 homes. MONOPOLY Monopoly vs. Competition: Demand Curves In a competitive market, the market demand curve slopes downward. But the demand curve for any individual firm’s product is horizontal at the market price. The firm can increase Q without lowering P, so MR = P for the competitive firm. 4 Cost Electricity ATC slopes downward due to huge FC and small MC ATC 500 1000 Q P A competitive firm’s demand curve $80 $50 D Q 5 MONOPOLY 1 10/23/2012 Monopoly vs. Competition: Demand Curves A monopolist is the only seller, so it faces the market demand curve. To sell a larger Q, the firm must reduce P. Thus, MR ? P. P ACTIVE LEARNING A monopoly’s revenue Common Grounds is the only seller of cappuccinos in town. The table shows the market demand for cappuccinos. Fill in the missing spaces of the table. Q 0 1 2 3 4 5 6 P $4. 50 4. 00 3. 50 3. 00 2. 50 2. 00 1. 50 7 1 TR AR n. a. MR A monopolist’s demand curve D Q MONOPOLY 6 What is the relation between P and AR? Between P and MR? ACTIVE LEARNING Answers Here, P = AR, same as for a competitive firm. Here, MR < P, whereas MR = P for a competitive firm. Q 0 1 2 3 4 5 6 1 Common Grounds’ D and MR Curves P TR $0 4 7 9 10 10 9 AR n. a. $4. 00 3. 50 3. 00 2. 50 2. 00 1. 50 8 MR $4 3 2 1 0 –1 Q P MR $4 3 2 1 0 –1 $4. 50 4. 00 3. 50 3. 00 2. 50 2. 00 1. 50 0 $4. 50 1 2 3 4 5 6 4. 00 3. 50 3. 00 2. 50 2. 00 1. 50 P, MR $5 4 3 2 1 0 -1 -2 -3 0 1 2 3 Demand curve (P) MR 4 5 6 7 Q 9 MONOPOLY Understanding the Monopolist’s MR ? Increasing Q has two effects on revenue: ? Output effect: higher output raises revenue ? Price effect: lower price reduces revenue ? To sell a larger Q, the monopolist must reduce the price on all the units it sells. Profit-Maximization ? Like a competitive firm, a monopolist maximizes profit by producing the quantity where MR = MC. ? Once the monopolist identifies this quantity, it sets the highest price consumers are willing to pay for that quantity. ? Hence, MR < P ? MR could even be negative if the price effect exceeds the output effect (e. g. , when Common Grounds increases Q from 5 to 6). 10 ? It finds this price from the D curve. MONOPOLY MONOPOLY 11 2 10/23/2012 Profit-Maximization 1. The profitmaximizing Q is where MR = MC. 2. Find P from the demand curve at this Q. Q Costs and Revenue MC The Monopolist’s Profit Costs and Revenue MC ATC P D MR Quantity As with a competitive firm, the monopolist’s profit equals (P – ATC) x Q P ATC D MR Q Quantity Profit-maximizing output MONOPOLY 12 MONOPOLY 13 A Monopoly Does Not Have an S Curve A competitive firm ? takes P as given ? has a supply curve that shows how its Q depends on P. A monopoly firm ? is a â€Å"price-maker,† not a â€Å"price-taker† ? Q does not depend on P; rather, Q and P are jointly determined by MC, MR, and the demand curve. So there is no supply curve for monopoly. MONOPOLY 14 CASE STUDY: Monopoly vs. Generic Drugs Patents on new drugs give a temporary monopoly to the seller. Price The market for a typical drug PM When the patent expires, PC = MC the market becomes competitive, generics appear. QM D MR Quantity QC MONOPOLY 15 The Welfare Cost of Monopoly ? Recall: In a competitive market equilibrium, P = MC and total surplus is maximized. The Welfare Cost of Monopoly Competitive eq’m: quantity = QC P = MC total surplus is maximized Monopoly eq’m: quantity = QM P > MC deadweight loss Price Deadweight MC loss? In the monopoly eq’m, P > MR = MC ? The value to buyers of an additional unit (P) exceeds the cost of the resources needed to produce that unit (MC). ? The monopoly Q is too low – could increase total surplus with a larger Q. ? Thus, monopoly results in a deadweight loss. P P = MC MC D MR QM QC Quantity MONOPOLY 16 MONOPOLY 17 3 10/23/2012 Price Discrimination ? Discrimination: treating people differently based on some characteristic, e. g. race or gender. Perfect Price Discrimination vs. Single Price Monopoly Here, the monopolist charges the same price (PM) to all buyers. A deadweight loss results. Price Consumer surplus Deadweight loss ? Price discrimination: selling the same good at different prices to different buyers. PM MC ? The characteristic used in price discrimination is willingness to pay (WTP): ? A firm can increase profit by charging a higher price to buyers with higher WTP. Monopoly profit D MR QM MONOPOLY 18 Quantity 19 MONOPOLY Perfect Price Discrimination vs. Single Price Monopoly Here, the monopolist produces the competitive quantity, but charges each buyer his or her WTP. This is called perfect price discrimination. The monopolist captures all CS as profit. But there’s no DWL. MONOPOLY Price Discrimination in the Real World ? In the real world, perfect price discrimination is not possible: ? No firm knows every buyer’s WTP ? Buyers do not announce it to sellers Price Monopoly profit ? So, firms divide customers into groups MC D MR Quantity based on some observable trait that is likely related to WTP, such as age. Q 20 MONOPOLY 21 Examples of Price Discrimination Movie tickets Discounts for seniors, students, and people who can attend during weekday afternoons. They are all more likely to have lower WTP than people who pay full price on Friday night. Airline prices Discounts for Saturday-night stayovers help distinguish business travelers, who usually have higher WTP, from more price-sensitive leisure travelers. MONOPOLY 22 Examples of Price Discrimination Discount coupons People who have time to clip and organize coupons are more likely to have lower income and lower WTP than others. Need-based financial aid Low income families have lower WTP for their children’s college education. Schools price-discriminate by offering need-based aid to low income families. MONOPOLY 23 4 10/23/2012 Examples of Price Discrimination Quantity discounts A buyer’s WTP often declines with additional units, so firms charge less per unit for large quantities than small ones. Example: A movie theater charges $4 for a small popcorn and $5 for a large one that’s twice as big. Public Policy Toward Monopolies ? Increasing competition with antitrust laws ? Ban some anticompetitive practices, allow govt to break up monopolies. ? E. g. , Sherman Antitrust Act (1890), Clayton Act (1914) ? Regulation ? Govt agencies set the monopolist’s price. ? For natural monopolies, MC < ATC at all Q, so marginal cost pricing would result in losses. ? If so, regulators might subsidize the monopolist or set P = ATC for zero economic profit. MONOPOLY 24 MONOPOLY 25 Public Policy Toward Monopolies ? Public ownership ? Example: U. S. Postal Service ? Problem: Public ownership is usually less efficient since no profit motive to minimize costs CONCLUSION: The Prevalence of Monopoly ? Doing nothing ? The foregoing policies all have drawbacks, so the best policy may be no policy. ? In the real world, pure monopoly is rare. ? Yet, many firms have market power, due to: ? selling a unique variety of a product ? having a large market share and few significant competitors ? In many such cases, most of the results from this chapter apply, including: ? markup of price over marginal cost ? deadweight loss MONOPOLY 26 MONOPOLY 27 CHAPTER SUMMARY ? A monopoly firm is the sole seller in its market. Monopolies arise due to barriers to entry, including: government-granted monopolies, the control of a key resource, or economies of scale over the entire range of output. CHAPTER SUMMARY ? Monopoly firms maximize profits by producing the quantity where marginal revenue equals marginal cost. But since marginal revenue is less than price, the monopoly price will be greater than marginal cost, leading to a deadweight loss. ? A monopoly firm faces a downward-sloping demand curve for its product. As a result, it must reduce price to sell a larger quantity, which causes marginal revenue to fall below price. 28 ? Monopoly firms (and others with market power) try to raise their profits by charging higher prices to consumers with higher willingness to pay. This practice is called price discrimination. 29 5 10/23/2012 CHAPTER SUMMARY ? Policymakers may respond by regulating monopolies, using antitrust laws to promote competition, or by taking over the monopoly and running it. Due to problems with each of these options, the best option may be to take no action. 30 6.

Philosophy business ethics Essay Example | Topics and Well Written Essays - 1750 words

Philosophy business ethics - Essay Example He has to take some initiative to spare his company from grave losses. First of all, I argue that if habitual drug use was the main cause of the declining profit, Mr. Bowie has the right to defend his company by conducting the drug test. As the leader of a company, Mr. Bowie has to fulfill his duty and responsibility to ensure the safety of the company to satisfy the stockholders. It is natural for him to feel so dejected about his company’s future, since he has struggled a lot for the betterment of the company’s productivity. Still, bad performance began to be displayed by his employees due to lack of professionalism and loyalty for the last fifteen years. Finally, he discovered that the root cause of all the mishaps is that most of the employees relied on drugs. Now, when he is finally familiar with the root cause of the problem and the effective results implemented by the strategy of drug testing, he unequivocally has the right to use the drug test and it is even his job to do so, because if he goes on ignoring the method, it would mea n that he is not fulfilling his duty as the chief manager of the company. The strategy that is to be discussed presently and which I support, is â€Å"drug testing†, that includes having an employee tested for their urine in the presence of two other persons of the same sex in the same room. Now, this idea of having the urine tested explicitly in front of two other persons, no matter if they may be of the same sex, can very potently appear to be extremely humiliating and embarrassing for any employee, and that is the major reason why people stand up against this method. That does not mean this strategy should be eradicated or banned completely. I, personally, believe this to be profoundly vital for the long-term success of any company because sometimes, the very threat of drug testing can work miracles. This threat is especially functional when it is effectively used at the time of employing new persons as

Sunday, July 28, 2019

Film review-Pressure(Horace Ove 1975) Essay Example | Topics and Well Written Essays - 250 words

Film review-Pressure(Horace Ove 1975) - Essay Example I believe that one of the major themes of the movie is that the main character is disillusioned with regard to his perception of the contemporary society. Unlike the older generations he is not willing to give in, but ultimately results that nothing can be done with the help of legitimate measures. There is no doubt that it is something that many people of that time can relate to. All this makes the movie in question some kind of a mirror that the public can take a close look at and analyze its fundamental problems. It is particularly important that a black director was able to make such a film (Bourne 198). Another important point that is made is that when it comes to social injustice, colors do not matter. The main character concludes that some white people suffer as mush as blacks. This means that all the population should unite against social inequality and build a society where everyone will be enjoying his or her state of

Saturday, July 27, 2019

Honesty In Contemporary Politics Essay Example | Topics and Well Written Essays - 1250 words

Honesty In Contemporary Politics - Essay Example The columnist Charles Blow in his issue has mainly discussed honesty, hypocrisy, and lies of the politicians. He talks mostly about Romney, the Republican nominated candidate for the presidency. He sides with the results of the Gallup poll that surveyed the sentiments of Independents and Republicans about Romney’s chances of re-election. This group surveyed is the group considered least likely to vote a Democrat and therefore the fact that they predict that Romney will lose by 20% of the votes is credible since they go against their biases. Blow’s sources are all credible, which is a clear indication of his commitment to veracity. This shows Charles Blow is unbiased, thus he gets views from all sides. The critical arguments made in the article are those that talk about Romney hypocrisy and dishonesty throughout his campaign trail (Blow). Romney contradicts himself countless times and this clearly shows that Romney was not honest about all the promises he was making. The article on Romney’s son intimated to Vladimir Putin personally, that his father Mitt Romney was intending to keep relations with Russia if elected. Blow states that Romney’s son, Matt, recently traveled to Russia and delivered a message to President Vladimir Putin. Later, Romney contradicts himself by saying he told a Russian known to be able to deliver messages to Mr. Putin. As a result of these contradictions, it’s unclear if the message actually got to Mr. Putin. This also does not give us actual evidence of whether Romney’s son actually intimated to the president of Russia. However, the article does accurately represent the state electorate before the United States 2012 elections (Blow). Charles Blow writes another column â€Å"The G.O.P fact vacuum.†

Friday, July 26, 2019

Learning By Doing and Using Instructional Technologies Research Paper

Learning By Doing and Using Instructional Technologies - Research Paper Example   Introduction of microcomputers and internet has greatly influenced teaching and learning. Technology motivates students to learn since it encourages use of hands-on-technology activities making learners more autonomous. Appropriate use of technology in teaching motivates students since encourages creative methods of learning and enables students to remain attentive. Use of technology for teaching affects the learning process in different ways. The instructional methods are affected since teacher or educators act more like facilitators (Hung, 2001; Candace, Sheri, & Lane, 2011).Several theories relate the theories of learning to use technology in teaching. Educational theories embrace any phenomena that contribute to education in either philosophical or general approach. Instructional theories deal with aspects pertaining to instructions. The four main models of learning which include social constructivism, cognivitism, behaviorism, and constructivism form the framework of learnin g and teaching. The learning theories are distinct from the instructional approaches. Behaviorism and cognitivist models showed that the manner in which instructions are given determines the ease of learning. This is because the mind acts as an information processor. It is thus important to use technology base instruction approaches to encourage learners to reason.Constructivism and social constructivism models focus on the influence of interactions on learning or assimilation and accommodation of knowledge. People tend to interpret ideas depending on how they perceived them. Use of technology to provide instructions can thus aid learners in constructing knowledge as opposed to acquiring knowledge. Technology increases the level of interactions between teachers and students as well as amongst students (Clark & Mayer, 2008; Tennyson, 2010). Instructional technologies should consider the learning theories to encourage practice and feedback, promote self-regulated learning, employ cogn itive learning approaches, and provide frameworks that enable students discover different perspective and meanings of concepts (Candace, Sheri, & Lane, 2011). The theory of Project-Based Learning, which is based on John Dewey’s philosophy of learning by doing, supports use of instructional Technology. This theory promotes learning as a social activity that takes different context but encourages students to use previous experiences to explore, create, and interpret. Use of instructional technology encourages learners to use the different intelligences, which include musical, logical-mathematical, linguistic, body-kinesthetic, spatial, and interpersonal as well as the intrapersonal ones. The theory of Multiple Intelligences is another theory that encourages use of technology as a teaching tool. This theory encourages educators to adjust their teaching designs to incorporate facets such as use of instructi

Thursday, July 25, 2019

ENTREPRENEURSHIP IN THE PUBLIC AND PRIVATE SECTORS Essay

ENTREPRENEURSHIP IN THE PUBLIC AND PRIVATE SECTORS - Essay Example They are therefore coming up with new models and innovations to solve health issues, social problems, conflicts, and environmental concerns such as global warming with principles which may not or may directly involve setting up an enterprise for trading. I will therefore highlight the main concepts and approaches that may be used in the development of entrepreneurship within non-profit and in profit making organisations. I will also outline the challenges, risks and opportunities that the healthcare sector (voluntary and profit-making organisations) in the UK experience when adopting these entrepreneurship skills citing an example of the Royal College of Nursing. Its goals and objectives as it strive to enable students to gather enough knowledge on entrepreneurship (RCN Entrepreneurship team report, March 2007). Finally, I will discuss in detail how entrepreneurship concepts can be applied in day to day running and development of business globally. In a layman's language, entrepreneurship is the starting in of a new business either existing or a totally new innovation (Berger, 1991). The history of entrepreneurship dates back to 1950 when a lecturer at the Austrian school of Economics Joseph Schumpeter developed the idea and defined an entrepreneur as a person who turns an invented idea into a meaningful business by pioneering change through actions. The common definition of entrepreneurship is the practice of developing new businesses in response to an identified opportunity within a specific sector. Entrepreneurship is a difficult adventure that is usually characterised by massive investments, employment of skills, research and capital. Schumpeter also argues that entrepreneurship entails any principle that advocates for risks undertaking for the sake of gaining a profitable advantage. This means that opportunities are discovered, exploited and practiced with a view to engage in a business venture that is more likely to gain a market share from the existing types (Bhide, 2000). It can also be viewed as the development of new products, production methods, entering new markets or forming new organisations. Characteristics of an entrepreneur (Berger, 1991) He has to have a driving force for the business. He is very enthusiastic in nature and vision-wise. A quick decision maker and a positive thinker. Translates his vision into a success. A strong persuader who seeks to have other people on board. Has very high aptitude. It is not usually easy to develop an enterprise and as quoted by Dr. Stacy of the Harvard School of business economics, it takes a lot more analysis and considerations from the undertaker of entrepreneurship process (Reinhardt, 2000). She also suggests that, the main stages that are commonly applied in the profit-making and non-profit organisations would be classified according to the ability of the business to quickly catch up with the current business momentum most importantly form the inventor himself. The first stage of development is the inception stage which first starts as an imagination from the entrepreneur in that opportunities are identified, studied and defined. The concept of the business idea responds directly to the defined purpose and need. At this stage, issues of capital, partners and viability of the business are looked into. The entrepreneur at this stage is keen on getting policies,

Wednesday, July 24, 2019

Global Theological Analysis Essay Example | Topics and Well Written Essays - 3250 words

Global Theological Analysis - Essay Example It has its origin in the eastern Mediterranean and rapidly grew in quantity and influence for several decades. By the fourth century, it had developed into a prominent religion within the Roman Empire. During the early part of the twenty-first century, statistics show that Christianity has between 1.5 billion and 2.1 billion followers. About one-third of the world's population is represented by Christianity and therefore is considered as the world's largest religion. Many countries around the world have made Christianity as their state religion. Among the adherents of Christianity, Christian theology has become an aspect of Christian doctrine where many have varied views and methodologies. This research report deals with global Christian theology from an evangelical perspective and looks into the nature and scope of theology. Furthermore, it identifies the factors that impact theological discourse. Dr. Alvah Hovey, the great Baptist theologian defined Christian theology as the "science of the Christian religion, or the science which ascertains, justifies, and systematizes all attainable truth concerning God and His relation, through Jesus Christ, to the universe and especially to mankind." (Hovey, pp. 14-16) "It is the science of God and divine things, based upon the revelation made to mankind in Jesus Christ and variously systematized within the Christian church" (Pope, p. 14) is the definition given by William Burton Pope. The Nature of Christian Theology Christian theology is also known as Dogmatics which is a branch of theological science that has its objectives of presenting in a systematic way the teachings of the Christian faith. The term theology comes from the two Greek words theos and logos. It indicated a discussion about God. Aristotle applied the term theology to his highest or first philosophy. The Greeks apply this term to their poets and their teachers which they honor. The term theology, therefore, maybe applied to an investigation which is systematic or scientific, of true or supposed sacred persons, things, or relations. If the subject matter pertains to that which is considered sacred then the term theology is used. Qualifying terms such as Christian or ethnic are used to make the term theology specific and definite. The Scope of Theology In order to understand a wide range of examination or research, the study of Christian theology must be stretched and put in an orderly and organized manner according to the main beliefs or philosophies regarded as foremost in the history of the Christian thought. Subjects which must be given consideration are as follows: God being the foundation, the theme, and the conclusion of all theology; Religion as the the agent which provides consciousness in man without which man cannot receive spiritual revelations; Revelation as a resource of facts wherein systematic theology is built upon; The relation of these facts to Jesus Christ , who is the Eternal Word and The Personal Word; The organization and development of theology in the church as the manifestation of the Christian life under the power of the Holy Spirit; and lastly, The relation of Christian theology to contemporary thought. A Brief History of Christian Theology Early Christian Theology Proofs of some of the earliest forms of reflection of the Christ

Tuesday, July 23, 2019

Define three level of viewing images Essay Example | Topics and Well Written Essays - 250 words

Define three level of viewing images - Essay Example And what is excluded in the image that should be included? To illustrate these points, the paper will use an image from one of the widely read internet news sites and attempt to answer all the questions above. The paper will also describe the surface meaning of the image, explain how the image has been manipulated to articulate a certain perspective, and evaluate the image using the checklist provided above. (Reuters) - Mitt Romney and Paul Ryan engaged in tag-team attacks on President Barack Obama and the Federal Reserve on Monday at a joint appearance that showcased the chemistry between the Republican presidential candidate and his running mate. A picture is worth a thousand words, so goes the popular saying. As Porter and Scheer suggests, analyzing an image requires three key steps. One has to observe the image and describe exactly what is seen in it. One has to identify the people and objects in the image, scrutinize the physical setting, and discern how everything is arranged. The second step is to summarize what one already knows about everything that is in the image. One should take note of the people, the subject matter, the situation, the social context and the time when the image was constructed or the period it depicts. The third step is interpretation. The observer has to use what they see in the image to make conclusions on what is going on, what the functions of objects in the picture are, who the people are, what the people are doing and what the period implies. Observation answers the questions of what, where and when. Observation takes cognizance of what is literally visible in the image. From the picture by Holland (2012) showed above, it depicts two men in the foreground and a crowd in the background. One of the men on the foreground is carrying a microphone and the people in the crowd are carrying placards and cameras. The background also shows the sky, some trees, and the steeple of a building. One’s

What are the most important factors that contribute to job Research Paper

What are the most important factors that contribute to job satisfaction What are challenges to improving job satisfaction - Research Paper Example In pursue of career our dreams and aspirations are one thing and practicalities are another. If an employee can have both – that is a treasure job to pursue. However, often times the two does not go together. Yet, it is possible to be getting job satisfaction even doing menial tasks. It can be greatly influenced by a variety of factors. Work plays a significant role in our lives. In our quest to be happy and productive, having a strong sense of job satisfaction is important. When you are dissatisfied with your job, this tends to have an influence on your overall outlook on life. While you may not be in the career of your dreams right now, it is still your responsibility to make sure that what you are doing is satisfying to you.( †Creating Job Satisfaction. Getting the most from your job.†) Why is it important anyway? What difference does it make if one is satisfied with his job or not? There are many answers, yet one thing is sure – when stress mounts, job s atisfaction lowers, which leads to more stress and then it becomes a vicious circle. But, fortunately, there is a way to break that routine. The first thing to evaluate is an attitude employee has for his job. He might see his job as a carrier, or a job or, perhaps, a calling. If the job is only a way to get money, the employee would be moderately satisfied receiving his monthly salary for a fair number of tasks completed. If it is a carrier the employee pursues, he will be looking for position advancement and will be working harder to get it; and if it is a calling – the employee will work passionately, finding a sense in the fulfilling of the job itself. There are not so many people, though, who would not want to advance in their job at least in some way. For some of them it would only be important to grow in their skills and performance, others would prefer additional knowledge and growth in hierarchy. In either case, advancement is one key element in job satisfaction. Of course, it is not possible for all the workers to be completely satisfied with their job all the time and increasing job satisfaction is a challenge faced by managers. There is no across the board solution to the problem that would work well for everybody, since each company is different and must find their own unique and efficient way. But let’s take a look at different factors that contribute to job satisfaction. Besides personal motivation for the job, another factor in employee being more satisfied is positive working environment. According to Fran Tarkenton â€Å"you  have to find what turns people on† then you will know how to motivate them. Motivating working environment means caring for the needs of workers. That includes benefits for the workers, such as health care, childcare etc, as well as retirement benefits rising with the experience and age of the employee. Also, it really stiffens people’s productivity and satisfaction when they have many cumbe rsome and difficult policies and rules. Working place set-up and its comfort has a positive effect on workers’ job satisfaction, so it has to be considered how comfortable and ergonomic desks and chairs are and if there is a proper lighting etc. Another challenge is personal recognition and financial compensation for the job. All the employees have a need for recognition in some ways. While receiving salary is something the employee expects, his skills being noticed, or achievements, or personality etc, is something that comes as a bonus, and, though often it is not tangible, it can significantly improve employee’s self-esteem and job satisfaction. Simple acts, like a greeting, a pat on the back, approving smile etc, do wonders. Yet, though it is simple, it

Monday, July 22, 2019

Effective emerging leader Essay Example for Free

Effective emerging leader Essay It is very important for an effective emerging leader such as me, to become stronger in a stimulating, educationally-rich environment. To become great, a student leader must have many great examples of leadership, teaching and truth. The University of South Florida embodies all of these traits for me, and that is why this university appeals to me in every way. I have had the opportunity not only to practice leadership in middle school as the student body President, but also be the Relay for Life Captain for three years, Yearbook Club Editor, Cross Country Captain and senior Student Government President to finish my high school years. Another advantage I have is the fact that my Aunt Graduated from USF and my mother will be attending USFs School of Education in a couple of years. My Aunt has introduced me to the campus, and through her I have heard about the awesome opportunities and great times that await me. Leadership has always been the role I was meant to assume and effective degree-holding leaders are crucial in our fast paced, ever evolving world. I believe The University of South Florida will teach me how to become such a leader with its world class faculty and all the opportunities Greek life and volunteering affords. In conclusion, leadership traits I have learned from experience, mentors and teachers over the years will truly benefit my USF life and other USF Bulls as well! Whether it is through volunteer opportunities such as Relay for Life, or running for a position on the student Senate, I intend to be a very effective leader at the University of South Florida and leave an everlasting mark of greatness on its campus.

Sunday, July 21, 2019

The Scope Of Marketing Communication Marketing Essay

The Scope Of Marketing Communication Marketing Essay Advertising is a type of communication used to persuade viewers to take some action with respect to products and services. This assignment is based on the scope of marketing communication. The first segment gives brief detail about the structure, role and functions of different advertising parties (advertiser, client, ad agency etc) in the communication industry. After the identification of parties involved in communication industry, I had discussed the relationship between different parties of communication industry. In the second section, different current trends have been discussed. I have also discussed in detail about the current trends in Pakistani market and also used different ad images with examples. I have identified the impact of current trends Micro marketing and sales promotion on advertising industry and parties of advertising industry. In the third section, traditional response hierarchy models (AIDA, hierarchy of effects model, innovation adoption model and information processing model) have been discussed. Then I have selected two ads, one of Ufone and the other of Mobilink Jazz for evaluation considering the response hierarchy models and also confirm the response hierarchy models of these ads. In the last and final section, I have evaluated the ads and made an effective judgment on the selected ads that weather they are developed to satisfy the hierarchy models or not. P1: Explain the structure, role and relationship between parties in communication industry COMMUNICATION Communication is defined as Two-way process of attainment mutual understanding, in which participants not only exchange (encode-decode) information but also create and share meaning ( sense). (communication, 2009-2010) (Communication process, 2010) BUSINESS COMMUNICATION Communication is the lifeblood of an organization (business). Business communication is any communication used to endorse a product, organization or service with the objective of making sale. In business communication, message is transferred through various channels of communication as well as internet, print (publications), television, radio, outdoor and word of mouth. In business, communication is considered center among business, interpersonal skills and manners. PARTIES INVOVLED IN COMMUNICATION INDUSTRY There are different parties involved in communication channels through which adverting takes place. These are Advertisers Advertising agency Media Clients ROLE FUNCTIONS OF DIFFERENT PARTIES Advertisers The role of advertiser is to focus on gratifying the general consumers by addressing their requirements through goods and services. As for the communication role, this refers to the mass communication purpose that advertising is capable to fulfill. It is a stunning means to inform the clients (customers) and communicate to them about the goods and services they wish to buy. Normally an advertisers objectives behind creating an advertisement are to generate sales. (advertiser, 1999) Also it helps the consumers to assess the value and benefits of the products. Advertising agency An ad agency or Advertising Agency is a service provider that works for clients to create an effectual and goal oriented advertising campaign meant at representing the organization positively in the eyes of its target customers. Companies hire advertising agencies to connect with their end customers. An advertising agency starts by getting well familiar with the clients goals, products target audience. This information proves beneficial in planning and making an effective advertising campaign. Once an advertising agency knows its clients needs, the course action of brainstorming and planning begins. This includes creating interesting attractive jingles, slogans and attention clutching body copy for advertisements. (Sinha, 2005 2011) Media Media plays a very significant role in advertising. There are different types of media for example press, outdoor advertisements, television, posters, radio, cinema, internet and mobile advertising. It helps the businesses to develop the market equity. It builds the positioning of the company and eases the image of the company which it wants to generate in the minds of the customers. It also helps to send the message to large audience. Different kinds of medias present the different forms and concepts of advertising. Moreover, different varieties of media also improve the affordability of the companies and different advertising podiums (platforms) can be used by the companies to spread the me (Wazzan)ssage. Clients Clients use advertising agencies, helps them to spread a message about their product and spread knowledge through television, print media etc. There are definite roles and responsibilities of a client that the agency can do their jobs as proficiently as possible and help the clients to make their business more successful. The role of a client is to explain his product or company message clearly; it allows advertising agency to understand better about the product and company which allows them to package and market it properly. The client should tolerantly listen to each idea of advertising agency as it is presented and decide that which campaign will draw the most concentration to the product. The clients responsibility is to make the advertising agency come up with the best probable ideas for product or company. (Clients roles and responsibilities in advertising industry , 2010) RELATIONSHIP BETWEEN THE DIFFERENT PARTIES OF ADVERTISING INDUSTRY Advertising agencies had worked for the endorsement of product by making advertisement campaigns. The first job of advertising agency is to well-develop a brief consideration of companys product, its potential, position in the market place and its target market. This helps advertisers to turn out effectual advertising campaigns to best publicize the product. They vigilantly study products and then guide company about the marketing strategy, which paper the ad supposed to be placed, how several times it should run etc. Keeping the clients objectives in mind, the advertising agency able to build advertising campaigns, like slogans, jingles, etc. The campaign is built with the mean to push the sales of the companys products, attract new customers belt while retaining the old ones, repeat the brand image, market the product and make brand awareness if the brand has been just forayed into the market. After the campaign is prepared, the advertiser looks for media medium to popularize / publicize the product. The campaign may be publicized in a range of media agencies like, television, print, radio, depending on the clients budget. For companys advertising needs, advertising agency chooses newspaper as the best mode of advertisement. Through its keen page, which appears as a colored addition in four to eight (depending on companys budget) leading newspapers and magazines, it reaches its clients services to a huge readership of approximately 5 million viewers. Advertising agency also helps in choosing the right newspaper to help company to market their product so that it reaches utmost viewers in the most effective way and in the end its the duty of the supplier to allocate the product where the company wants. Thats how; the parties in advertising agencies perform their roles to communicate the companys message to the end customer. P2: Identify the trends in advertising and promotion and evaluate (advantages and Disadvantages) of their impact CURRENT TRENDS IN ADVERTISING Current trends are a general direction in which something tends to move. For a long period now, advertising have been used as a strategic tool to endorse product awareness and build up brand preference, thereby increasing sales, as well as to promote customer loyalty by building customer relationships. The current trends in advertising are smart phones, internet (websites, banner ads, pop-ups or pop-behinds which stays an ad behind your windows, email promotions, sponsored links (like Google ads, community media such as you tube and my space.), social networks, TV, games, radio and print media. Micro marketing Micromarketing is designing, forming and manufacturing products, marketing and advertising campaigns for the benefit of very precise geographic, demographic, or psychographic segments of the consumer market. A marketing strategy, in which advertising efforts are, centered a small set of highly-targeted customers. Micromarketing requires a company to barely define a particular audience by  a particular characteristic, job title and modify campaigns for that particular segment. Now a days marketing is done on internet, smart phones and TV. If a new local company wants to launch its product and cant afford the expense of e-ads. So they can use print media which is effective and of low cost for advertising their product. Brand proliferation Brand proliferation is defined as when one company introduce new brands in the same product lines and hence try to cover each and every market segment for that product line. (Wazzan) For example: Huggies, a firm, owned by Kimberley-Clark. Huggies is well known for manufacturing disposable diapers, and has different product lines such as Little Swimmers and Pull-Ups. 7up also comes up with diet and lemon flavor. Sales promotion Sales promotions are short-period incentives to encourage the sale of a product or service. Sales promotion includes a number of communications activities that attempt to give added value or incentives to customers, wholesalers, retailers, or other organizational customers to encourage immediate sales. These efforts can effort to stimulate product interest, test or purchase. Examples of devices used in sales promotion include samples, premiums, coupons, point-of-purchase displays, rebates, contests and sweepstakes. (Sales promotion, 2000 2011) Sales promotion strategies There are three types of sales promotion strategies. 1) Push A push strategy engages convincing trade intermediary channel members to push the product through the distribution channels to the final consumer via promotions and personal selling efforts. Trade-promotion goals are to persuade retailers or wholesalers to carry a brand, promote a brand in advertising, give a brand shelf space, and/or push a brand to final consumers. Typical strategies employed in push strategy are: allowances, free trials, contests, specialty advertising items, buy-back guarantees, displays, discounts and premiums. 2) Pull Pull strategy efforts to get customers to pull the product from the manufacturer through the marketing channel. Consumer-promotion objectives are to attract consumers to try a new product, attract customers away from competitors products, hold reward loyal customers, get consumers to load up on a mature product and build customer relationships. Typical tactics employed in pull strategy are samples, cash refunds and premiums, coupons, advertising specialties, rebates, loyalty programs, contests, games, sweepstakes, and point-of-purchase (POP) displays. 3) Combination of the two Car dealers often offer a good example of a combination strategy. If you give attention to car dealers advertising, you will frequently hear them speak of dealer incentives and cash-back-offers. CURRENT TRENDS IN PAKISTANI MARKET Advertisement is one of the most significant tools for bringing awareness in people about products. In Pakistani market, we have generally seen two types of advertising trends of micro marketing and sales promotion. Especially sales promotion trend is normally more in from the last 2 to 3 years. Its because of the economic condition of the people, thats why the companies try to attract people more on sales promotion. Price promotion Sales promotion stands on a price discount offer. Its a promotion of a product by momentarily reducing its price. The price decline may be at, or below, cost, but it will have to be important enough, relative to challenging products, to persuade customers to purchase the product. In Pakistan, in 2010 Service Shoes offers discounts (discount ki barsaat up to 50% off) all over the country to attract more more customers in order to gain market share, customers and increase their sales. Gift with purchases This strategy to buy a service (product) by using trade loaders or a gift with purchase dates back to the very sunrise of marketing itself. Its a idea that still working today. Many companies and retail shops used this strategy to attract customers towards their products. IN Pakistan, ZONG is using gift with purchase technique to attract customers towards their product. By this technique they are going to increase their sales and gain market share. Coupons Coupon is just like a legal paper which can be exchanged for some sort of discount or special offer when buying a product. Coupons technique can be used by organizations to attract prize conscious by convincing them to purchase more by giving away a small prize discount. In Pakistan, K n is offering membership cards to customers on purchasing of more than Rs. 3000 and gives them discount on 10 to 20% discount. Samples Sampling is the practice of offering little quantity of product free of cost or at a very low price so that customers can experience their service or product at first hand. In Pakistan, this technique is basically practiced by pharmaceutical companies. IMPACT OF CURRENT TRENDS ON ADVERTISING Impact of Micro marketing The impact of micro marketing on advertising industry is that it effects user-initiated like product awareness, purchase intent, consideration and consequent consumer on online behavior. The impact of micro marketing on advertising industry is that to rightly target a very specific segment and it increased the media population year by year (newspaper, TV, internet, billboards and sites visitors etc). New medium is brought up in advertising due to which the micro marketing impact, old one is getting decreased day by day like internet marketing, online marketing etc. Due to current impact, many companies launched their product sites or company sites for customers awareness with some innovation and creation, which makes difficulties for the advertising industries. Impact of sales promotion Increasing Competition The first impact of sales promotion on advertising companies is that it increases the competition in the market. Due to raise in competition, this makes difficult for the advertising agencies to compete. Therefore, they are choosing more innovative techniques. Customers Have Become More Price Sensitive Sales promotion increased price sensitivity as the result of inflation. Due to economic recession consumers and dealers become more perceptive towards prices because they want value for their money. So its become difficult for the advertising agencies to set price of the product. Advertising Has Become More Expensive Less Effective The advertising media have turn out to be pretty expensive. Audio-visual medium may cost in excess of Rs. 1 lakh for a 10 second exposure during prime time which is considered as the most effective for short-duration ads. In many cases, consumers have reached a point of monotony due to unnecessary advertising on TV. Sales promotion is a more gainful promotion method to generate sales results for small companies which cannot compete with big companies. Sales Promotions Maximize Profits Sales promotion maximizes profit for companies, sales promotion department and advertising agencies as well. Sales promotion allows a finest brand to compete with a lower level brand amongst price sensitive consumers. P3: Use any two response hierarchy models on the two ads selected by the students HIERARCHY RESPONSE MODELS THE AIDA MODEL AIDA model was offered by Elmo Lewis to explain how personal selling works. It shows a set of stair-step phases which describe the process (procedure) of leading a potential customer to buy. The phases are attention, interest, desire, and action, form a linear hierarchy. It reveals that customers must be aware of a products existence. Be attracted enough to give attention to the products features/benefits. Have a desire to advantage from the products offerings. Action, the fourth stage, would come as a natural result of movement through the first three phases. Although this idea was elementary, it led to the later rising field of customer behavior research. HIERARCHY EFFECT MODEL Among advertising theory, the hierarchy-of-effects model is prime. Hierarchy can be briefly explained with the assist of a pyramid. First the lower level objectives such as awareness, knowledge are achieved. Succeeding objectives may hub on moving prospects to higher levels in the pyramid to draw out desired behavioral responses such as associating feelings with the brand, trial or regular use etc. It is easier to achieve ad objectives positioned at the base of the pyramid than the ones towards the peak. The % of potential customers will decline as they move up the pyramid towards more action leaning objectives, such as regular brand use. INNOVATION ADOPTION MODEL This model has significance to new product openings and mainly useful for adoption of non-commercial services. The phases of assessment and trail before adoption are considered important in the design of advertising program. The result in favor of making an evaluation is probably to be influenced by information accessible from various sources including advertising. Evaluation comprises a major step towards the adoption of the product or service. INFORMATION PROCESSING MODEL The procedure by which we create that skill selection is through the information processing system. This system is also known as the DCR process. We detect information, evaluate it with previous experiences and then react. Wellfords model proposes that we get in information through our senses and for the time being store all of these inputs previous to sorting them out. The inputs that are seen as related to the decision are then stored in the quick-fix memory. A decision is made by evaluating the information in the short-term memory with preceding experiences stored in the long-term memory. With position to the long term memory for the necessary action the decision is carried out. The action and the results are stored for future reference. The two ads are taken for the analysis of customer response hierarchy. These are Ufone Internet ad Now the four steps of AIDA model will be applied on this ad. Attention: In this ad, Ufone is trying to attract people attention about their new internet packages. In this ad to get customers attention, Ufone is showing a girl having mobile in her hand which is happy to use internet service. Interest: In this ad, a fast moving bike and a little blur waves shows about the fast speed of internet to gets peoples interest. Ufone is also showing social networks page (face book), yahoo, gmail and youtuube etc. Desire: In this ad, by showing fast moving bike, yahoo, skype and face book, shows the speed of internet which is directly the desire of people to use fast net in order to be connected with friends. Action: The given extra information about different internet packages encourages customers to take action. Mobilink Jazz ad Now the six steps of Hierarchy of effect will be applied on this Ad. Awareness: In this Ad, Mobilink has used model, the hero of Asian games and SAF game gold medalist Naseem hammed for their campaign. Actually in Pakistan, most people are not familiar with Naseem hammed. But Mobilink has used to Naseem hammed because people in Pakistan loves their national heroes and they follow them. Secondly in Pakistan, women are in majority so this factor is also making good awareness. Knowledge: The target audience might have product awareness but not know much more; hence this stage involves creating brand knowledge. In this step, Mobilink has provided little information about their services but there is not so much information about the model. The information is limited which will produce sometimes difficulty for customers. The message is that great people of Pakistan use Mobilink. Liking: As in this Ad, information is added which results in liking because in Pakistan, people follows their heroes. So this Ad is creating liking. Preference: As Mobilink is market leader, so they are preferred mostly because of good signal quality. As Naseem hammed is hero for most of young womens, so she is followed. So the product of Mobilink is preferred over other companies. Convince and purchase: When customers are convinced by the services, then they buy the services. M1: Make an effective judgment on the ads selected whether you think the ads are appropriately developed to satisfy the hierarchy models. Give reference to books or internet sources used. Analysis of Ufone ad: In Pakistan, currently there are many cellular companies working, for example Telenor, Mobilink, Zong and Warid. There is a tough competition between these companies; are trying to gain market share by lowering the charges and offers best services (packages) to their customers. In this ad, Ufone is informing customers about new packages and fast working internet services to makes people interest desire people with low rates and unlimited downloading. In this ad, Ufone is showing their existence in the market by giving good services to customers and offer best packages. The ad is overall good to attract people. They make their customers aware, informed them about their services and created interest. In this ad, they did not highlight the main package offer of their service. In my opinion, Ufone have to highlight the price and package on the top of ad, which can more attract customers towards their service and make it desire. They also did not highlight this sentence (ye slow motion ka nahià ¢Ã¢â€š ¬Ã‚ ¦.. balky fast action ka zamana hai), by doing this they can attract more customers because majority internet users is youth which is the target market of all the cellular companies. Analysis of Mobilink Jazz ad In this ad, Mobilink used Naseem Hameed, who is the champion of Asian games and SAF game gold medalist as a model to show their market existence and attracts people towards their services. Approximately, they had covered all the six steps of hierarchy of effect model. It is an innovation and creativeness in the ad by bringing up the female hero which makes people awareness, liking, knowledge, preference and convince them to purchase. By this ad, they are taking competitive advantage over the other companies. The ad is overall good to attract people and to gain market share but I think some more Improvement can be done in this ad. The information about the model champion should be there and they should have to highlight that statement Himmat aur yaqeen ki sachi kahanià ¢Ã¢â€š ¬Ã‚ ¦.. khwab se tabeer tak and the timings of the show should be prominent(large font). BIBILIOGRAPHY advertiser. (1999, 11 19). Retrieved 4 18, 2011, from suite101: http://www.suite101.com/article.cfm/advertising/28925 Clients roles and responsibilities in advertising industry . (2010, 5 17). Retrieved 4 19, 2011, from ehow: http://www.ehow.com/list_6524998_client-roles-responsibilities-advertising-agency.html communication. (2009-2010). Retrieved 4 21, 2011, from people communicating: http://www.people-communicating.com/what-is-communication.html Communication process. (2010, 11 1). Retrieved 4 21, 2011, from Success for career: http://exampapers123.blogspot.com/2010/11/communication-process-verbal-and-non.html Sales promotion. (2000 2011). Retrieved 4 20, 2011, from marketing teacher : http://www.marketingteacher.com/lesson-store/lesson-sales-promotion.html Sinha, A. (2005 2011). Role of advertising agencies. Retrieved 4 18, 2011, from contentwriter.in: http://www.contentwriter.in/articles/advertising-marketing/advertising-agencies.htm Wazzan, N. S. (n.d.). Brand cannibalization, Brand proliferation Brand Rejuv . Retrieved 4 19, 2011, from Citesales: http://www.citesales.com/712-brand-cannibalization-brand-proliferation-brand-rejuv.html

Saturday, July 20, 2019

The Importance of Religion to American Slaves Essay -- Exploratory Ess

The Importance of Religion to American Slaves Whether one notices or not, each person has the right to make choices concerning his or her life. Being able to make these decisions is a God-given right that vibrates in the heart of every human being who claims possession and mastery over his or her own self. However, for slaves, this concept did not exist, and they became the property of someone else with no place to call their own. For this reason, many slaves turned to religion to comfort them in their darkest hour, to help them gain the strength to continue in their struggles, and to hope that a day would come when they would rise above their condition to a better place. For slave-owners, the Bible became a place where the institution of slavery was justified, but for the slaves, Christianity became a symbol of redemption in which they envisioned a future free from bondage, and if earthly escape was not possible, their faith would be rewarded in the afterlife, securing them a home of their own in a free heaven. While many white slave owners discouraged slaves from learning the Bible for fear it would encourage slaves to seek freedom, slaves, nevertheless, felt the Bible was their source for obtaining earthly freedom; thus "their persistent hope for the future was tied to their faith in God." (Stammering Tongue, 57). Their convictions gave them the ounce of hope they needed to believe that there was a better life awaiting them. "The Spirit of the Lord allowed black slaves to transcend the horizon of their immediate experiences and to hope for a future in which they would be free." (Stammering Tongue, 60). In Frederick Douglass’ "Narrati... ...ome of his own in a free heaven. WORKS CITED Cut Loose Your Stammering Tongue: Black Theology in the Slave Narratives. Ed. D. Hopkins and G. Cummings. New York: Orbis Books, 1991. Douglass, Frederick. "Narrative of the Life of Frederick Douglass, an American Slave." The Heath Anthology of American Literature. Ed. Paul Lauter. 3rd ed. Vol. 1. Houghton Mifflin Co., Boston, 1998. 1762-1813. Escott, Paul D. Slavery Remembered. Chapel Hill: University of North Carolina Press, 1979. Raboteau, Albert J. Slave Religion. New York: Oxford University Press, 1978. Stowe, Harriet B. Uncle Tom’s Cabin. The Heath Anthology of American Literature. Ed. Paul Lauter. 3rd ed. Vol. 1. Boston: Houghton Mifflin Co., 1998. 2310-2356. Wilmore, Gayraud S. Black Religion and Black Radicalism. Garden City: Doubleday and Co., Inc., 1972. The Importance of Religion to American Slaves Essay -- Exploratory Ess The Importance of Religion to American Slaves Whether one notices or not, each person has the right to make choices concerning his or her life. Being able to make these decisions is a God-given right that vibrates in the heart of every human being who claims possession and mastery over his or her own self. However, for slaves, this concept did not exist, and they became the property of someone else with no place to call their own. For this reason, many slaves turned to religion to comfort them in their darkest hour, to help them gain the strength to continue in their struggles, and to hope that a day would come when they would rise above their condition to a better place. For slave-owners, the Bible became a place where the institution of slavery was justified, but for the slaves, Christianity became a symbol of redemption in which they envisioned a future free from bondage, and if earthly escape was not possible, their faith would be rewarded in the afterlife, securing them a home of their own in a free heaven. While many white slave owners discouraged slaves from learning the Bible for fear it would encourage slaves to seek freedom, slaves, nevertheless, felt the Bible was their source for obtaining earthly freedom; thus "their persistent hope for the future was tied to their faith in God." (Stammering Tongue, 57). Their convictions gave them the ounce of hope they needed to believe that there was a better life awaiting them. "The Spirit of the Lord allowed black slaves to transcend the horizon of their immediate experiences and to hope for a future in which they would be free." (Stammering Tongue, 60). In Frederick Douglass’ "Narrati... ...ome of his own in a free heaven. WORKS CITED Cut Loose Your Stammering Tongue: Black Theology in the Slave Narratives. Ed. D. Hopkins and G. Cummings. New York: Orbis Books, 1991. Douglass, Frederick. "Narrative of the Life of Frederick Douglass, an American Slave." The Heath Anthology of American Literature. Ed. Paul Lauter. 3rd ed. Vol. 1. Houghton Mifflin Co., Boston, 1998. 1762-1813. Escott, Paul D. Slavery Remembered. Chapel Hill: University of North Carolina Press, 1979. Raboteau, Albert J. Slave Religion. New York: Oxford University Press, 1978. Stowe, Harriet B. Uncle Tom’s Cabin. The Heath Anthology of American Literature. Ed. Paul Lauter. 3rd ed. Vol. 1. Boston: Houghton Mifflin Co., 1998. 2310-2356. Wilmore, Gayraud S. Black Religion and Black Radicalism. Garden City: Doubleday and Co., Inc., 1972.

Social Construct of a Pool Hall Essays -- Billiards Bars Games Essays

Social Construct of a Pool Hall Billiards, or more commonly referred to as pool has been played for many decades. In the late nineteenth century and early twentieth century it was played by those of upper class standing in their homes. Over the twentieth century pool shifted roles, becoming part of middle and lower class society. With the class change, pool also moved out of the home and into bars and halls. Pool has been forever transformed; today there are three main groups of pool players to be found in pool halls; professional players: blue collar players, and teenage players. Non-pool players hold a very stereotypical view of what makes up a pool hall and its patrons. It tends to be a bar, full of drunkenness and fighting. Gambling, smoking, and trashy women standing next to their men. As one mother of five children stated in her interview, "it's motorcycle people." Here she was referring to the type of people who go to pool halls. And while she has never been herself, nor does she plan to go, she describes her motorcycle people as wearing, "leather jackets with fringe over dirty white t-shirts." These stereotypes could be possible for the lack of families and older couples who would go to pool halls. As with many stereotypes, this one is also inaccurate, of the three groups, the description of a "motorcycle person" does not fit in. To define the groups of pool players, I studied a pool hall in Waterford, Michigan. This pool hall is located on the Waterford border with Pontiac, right off the main highway, in a collapsing business district. This area has seen its better days; it is now falling down the economic ladder. Now it resembles many inner cities of America. The hall is tucked back in off the highway, next ... ...oup that should be left unrecognized, the women. Players from the lower groups do not strive to become members of the professional players, as professional players do not wish to move down in the ranks. The order is set; there are very few transfers between the groups. The three groups: the professional players, the blue-collar players, and the teenagers, have forever transformed the atmosphere of the pool hall. While many stereotypes exist concerning what a pool hall is, many are not true. It is not full of "motorcycle people," nor is it a drunken scene as depicted in movies. It is a place of social construct, such as everything in society. Works Cited Jennifer. Gender Relations and Alchol: An examination of The Cocktail Waitress: Women's work in a Man's World. 5 November 2001. http://www.geocities.com/Wellesley/6265/papers/gender/cocktailwaitress.html.

Friday, July 19, 2019

Euthanasia and Assisted Suicide - Who Wants It? :: Euthanasia Physician Assisted Suicide

Euthanasia - Who Wants It?      Ã‚  Ã‚   In Los Angeles, former respiratory therapist Efren Saldivar was charged with six counts of murder in January for allegedly giving lethal injections to patients at Glendale Adventist Medical Center in 1996 and 1997. Saldivar has reportedly called himself an "angel of death" and confessed in 1998 to hastening "anywhere from 100 to 200" deaths, but later retracted the confession. He is also the plaintiff in several civil suits for wrongful death, though some of these have been dismissed for lack of evidence. A hearing in his criminal trial is scheduled for the end of March [Los Angeles Times, 3/10/01, 1/13/01, 1/11/01].    In Springfield, Massachusetts, jury deliberations began February 23 in what has been called one of the most sensational murder cases in western Massachusetts history. Kristen H. Gilbert, a 33-year-old nurse, is accused of killing four patients at the Veterans Affairs Medical Center in Northampton and trying to kill three others in 1995 and 1996, using unauthorized injections of adrenaline [Springfield Union-News, 2/25].    Cases of involuntary euthanasia keep making headlines, but who wants it?    Certainly not the elderly and terminally ill. Numerous studies have established that the Americans most directly affected by the issue of physician-assisted suicide -- those who are frail, elderly and suffering from terminal illness -- are also more opposed to legalizing the practice than others are:    * A poll conducted for the Washington Post on March 22-26, 1996, found 50% support for legalizing physician-assisted suicide (Washington A18) Voters aged 35-44 supported legalization, 57% to 33%. But these figures reversed for voters aged 65 and older, who opposed legalization 54% to 38%. Majority opposition was also found among those with incomes under $15,000 (54%), and black Americans (70%).    * An August 1993 Roper poll funded by the Hemlock Society and other euthanasia supporters indicated that voters aged 18-29 supported "physician-aided suicide" 47% to 35%; voters aged 60 and older opposed it 45% to 35%. Hemlock's newsletter commented that "the younger the person, the more likely he or she is to favor this legislation." The newsletter added that "this is somewhat at odds with how Hemlock views its membership," since it sees itself as defending the interests of elderly citizens. (Humphry; Poll 9) A study of cancer patients found that terminally ill patients experiencing significant pain are more opposed to physician-assisted suicide than other terminally ill patients or the general public.

Thursday, July 18, 2019

Coffee and Starbucks Essay

Walk several blocks in almost any city in America and you’ll pass at least one Starbucks, if not more. And the same is true for most cities outside of the United States. The Starbucks empire has grown to 6,000 U.S. outlets and about 2,500 international locations. For some consumers, Starbucks is an obsession, and they just can’t begin their day without their cup of Starbucks coffee! In addition, while years ago people used to hang out at the corner candy store, today many people spend considerable time at their local Starbucks. They drink coffee, tea, and/or other specialty beverages, they bring their laptop and wirelessly connect to the Internet, they meet friends to chat, or they meet business associates to make deals. Is there anyone in America, at least old enough to be in kindergarten, who doesn’t know what Starbucks is? Questions Since everybody knows Starbucks, answer the following questions in the Indian context. For example, against question 1 below view the person as an India; and in response to question 4, identify an Indian celebrity. Some search on the internet about Starbucks and what its brand imagery stands for would help you with your answers. 1. If Starbucks was a person, describe the person in terms of demographics, personality, and lifestyle characteristics 2. If Starbucks was an animal, which animal would it be, and why? 3. If Starbucks was a color, which color would it be, and why? 4. If Starbucks was a celebrity (e.g., a sports figure, a movie or TV star), which celebrity would it be, and why? And why was your choice male or female?

Credit Appraisal Process of Sbi

APJEM ArthPrabhandAjournalofEco no.icsand worry Vol. 2 unloosen1,January2013,ISSN2278? 0629 address approximation PROCESS OF SBI A CASE STUDY OF BRANCH OF SBI IN HISAR NANCY ARORA* DR. ARTI GAUR** MS. BABITA*** *Student, surgical incision of Business Administration, CDLU, Sirsa. **friendProfessor, Department of Business Administration, CDLU, Sirsa. **Teaching Associate, Department of Business Administration, CDLU, Sirsa. ABSTRACT extension find is a endangerment related to non refund of the assent obtained by the customer of a posit. Thus it is necessary to appraise the credibility of the customer in order to lower the creed peril.Proper evaluation of the customer is performed this measures the fiscal condition and the ability of the customer to satisfy back the loan in emerging. quotation Appraisal is a process to check stunned the attempts associated with the extension of the credit facility. It is generally carried by the monetary institutions which ar involv ed in providing fiscal funding to its customers. In this physical composition, we look at the Credit take chances Assessment mock up of SBI aver and to check the commercial, monetary & practiced viability of the toil proposed & its funding pattern.Also to observe the movements to deoxidise various risk parameters which are in the main categorized into financial risk, melody risk, industrial risk and effment risk. The scope of the paper is restricted to branch of SBI in Hisar. flower question diarys10 http//www. pinnaclejournals. com KEYWORDS Credit Risk Assessment dissuaderent example, Credit Appraisal, Technical Viability. _____________________________________________________________________________ excogitation Credit appraisal means an probe/ judgment done by the bank building prior originally providing any loans & advances/project finance & also checks the commercial, financial & expert viability of the project proposed its funding pattern & and checks the primary & collateral hostage even out available for recovery of such funds. Credit Appraisal is a process to ferret out the risks associated with the extension of the credit facility. It is generally carried by the financial institutions which are involved in providing financial funding to its customers.BASIC TYPES OF commendation on that point are four basic types of credit. By understanding how each works, you will be able to get the most for your property and avoid salarying unnecessary charges. APJEM ArthPrabhandAJournalofEconomicsandManagement Vol. 2 matter1,January2013,ISSN2278? 0629 1. Service credit is periodic defrayments for utilities such as telephone, gas, electricity, and water. You a lot deliver to give way a deposit, and you whitethorn consecrate a late charge if your payment is non on time. 2. Loans let you draw cash. Loans squirt be for small or large amounts and for a few eld or several years.Money hindquarters be re paying(a) in one lump check or in several unremitting payments until the amount you borrowed and the finance charges are paid in full. Loans can be secured or unsecured. 3. Installment credit may be described as buying on time, financing through the store or the easy payment plan. The borrower takes the goods home in replace for a promise to pay later. Cars, major appliances, and furniture are often purchased this way. You usually sign a contract, nock a down payment, and agree to pay the balance with a specified return of equal payments called installments. The finance charges are include in the payments.The item you purchase may be used as security for the loan. 4. Credit cards are issued by individual retail stores, banks, or businesses. exploitation a credit card can be the equivalent of an interest-free loanif you pay for the use of it in full at the end of each month. CREDIT APPRAISAL PROCESS Receipt of application from applier Receipt of documents (Balance sheet, KYC papers, Different govt. regis tration no. , MOA, AOA, and Properties documents) Pre- promote visit by bank officers pinch for RBI oversighters list, willful defaulters list, CIBIL in governance, ECGC caution list, etcetera Title clearance reports of the properties to be obtained from empanelled advocates military rank reports of the properties to be obtained from empanelled valuer/engineers Preparation of financial info Proposal preparation Assessment of proposal Sanction/approval of proposal by appropriate sanctioning authority Documentations, agreements, mortgages disbursal of loan PinnacleResearchJournals11 http//www. pinnaclejournals. com APJEM ArthPrabhandAJournalofEconomicsandManagement Vol. 2Issue1,January2013,ISSN2278? 0629 Post sanction activities such as receiving stock statements, review article of accounts, renew of accounts, etc (On regular basis) REVIEW OF belles-lettres Uwe (2005)13 analysed and further development of the building blocks of in advance(p) credit risk steering D efinitions of default Estimation of default probabilities Exposures Recovery rate Pricing Concepts of portfolio dependence Time horizons for risk calculations Quantification of portfolio risk Estimation of risk measures Portfolio analysis and portfolio improvement Evaluation and comparison of credit risk models Analytic portfolio loss distributions.Christian (2006)15 cerebrate on the changing intensity of triad policies that are commonly associated with financial repression, namely interest rate controls, statutory preemption and directed credit as healthy as the effects these policies had. The main findings are that the degree of financial repression has steadily change magnitude between 1960 and 1980, and then declined somewhat before rising to a new broadsheet at the end of the 1980s. Since the start of the general economic reforms in 1991, the level of financial repression has steadily declined.Despite the high degree of financial repression, no statistically significant nix effects on savings, capital formation and financial development could be factualised which is contrary to the predictions of the financial liberalization hypothesis. Arnoud and Anjan (2007)17 survey appear as the lead chapter in a readings entertain on unified finance, financial intermediation and market little structure. The unifying theme in the word of honor is optimal frame, and various chapters deal with the architectural plan of contracts, securities, institutions, market mechanisms, and order from an information-theoretic perspective.Each chapter in the book is an original review article that seeks to compound the literature in a addicted area. Six topics are covered design of contracts and securities market microstructure credit market implications of bank size, scope and structure bank regulating and finally the interaction between interbank competition, regulation and banking stability. Gary (2009)28 examined that the shadow banking system at the heart of the menstruation credit crisis is, in fact, a real banking system and is vulnerable to a banking panic.Indeed, the events head start in August 2007 are a banking panic. A banking panic is a general event because the banking system cannot honor its obligations and is insolvent. unlike the historical banking panics of the 19th and early twentieth centuries, the underway banking panic is a in large quantities panic, not a retail panic. In the earlier episodes, depositors ran to their banks and demanded cash in exchange for their checking accounts. Unable to impinge on those demands, the banking system became insolvent.The current panic involved financial firms running on other financial firms by not renewing sale and repurchase agreements (repo) or increasing the repo margin (haircut), forcing massive leveraging, and resulting in the banking system being insolvent. RESEARCH methodological analysis The present paper is a parapraxis survey which is restricted to branch of SBI in Hisar. The objective of research paper is to study the Credit Risk Assessment homunculus of SBI border and to check the commercial, financial & adept viability of the project proposed & its funding pattern. To observe the movements to land various risk parameters which are generally categorized intoPinnacleResearchJournals12 http//www. pinnaclejournals. com APJEM ArthPrabhandAJournalofEconomicsandManagement Vol. 2Issue1,January2013,ISSN2278? 0629 financial risk, business risk, industrial risk & wariness risk. For the purpose, the secondary data is collected through the Books & magazines, Database at SBI, Websites, E-circulars of SBI. data ANALYSIS A) CREDIT riskiness perspicacity & APPRAISAL PROCESS OF SBI CREDIT peril ASSESSMENT RISK Risk is unfitness or unwillingness of borrower-customer or counter-party to meet their repayment obligations/ honor their commitments, as per the stipulated terms.LENDER childbed Identify the risk factors, and Mitigate the risk RISK ARI SE IN CREDIT In the business world, Risk arises out of Deficiencies / lapses on the part of the management (Internal factor) Uncertainties in the business environs (External factor) Uncertainties in the industrial environment (External factor) Weakness in the financial position (Internal factor) TO PUT IN another(prenominal) WAY, SUCCESS FACTORS BEHIND A billet ARE PinnacleResearchJournals13 http//www. pinnaclejournals. om Managerial ability Favorable business environment Favorable industrial environment Adequate financial strength CREDIT & RISK Go hand in hand. They are like twin brothers. They can be compared to two sides of the same coin. APJEM ArthPrabhandAJournalofEconomicsandManagement Vol. 2Issue1,January2013,ISSN2278? 0629 All credit proposals birth some inherent risks, excepting the almost minimal volume of lending against liquid collaterals with equal margin.LENDING DESPITE RISKS So, risk should not deter a Banker from lending. A bankers parturiency is to identify/ assess the risk factors/ parameters & manage / mitigate them on a regular basis. But its always heady to beget some idea somewhat the degree of risk associated with any credit proposal. The banker has to take a calculated risk, ground on risk-absorption/ risk-hedging capacity & risk-mitigation techniques of the Bank. CREDIT RISK ASSESSMENT (CRA) MINIMUM SCORES / bank vault RATES 1.The CRA models adopted by the Bank take into account all executable factors which go into appraising the risks associated with a loan. These have been categorized broadly into financial, business, industrial & management risks and are rated separately. To take at the boilersuit risk rating, the factors duly weighted are aggregated & calibrated to arrive at a single point indicator of risk associated with the credit decision. 2. FINANCIAL PARAMETERS The assessment of financial risk involves appraisal of the financial strength of the borrower based on surgical operation & financial indicators.The overall financial risk is assessed in terms of static ratios, future prospects & risk mitigation (collateral security / financial standing). PinnacleResearchJournals14 http//www. pinnaclejournals. com 3. persistence PARAMETERS The sideline characteristics of an application which pose change degrees of risk are built into Banks CRA model Competition intentness outlook Regulatory risk modern-day issues like WTO etc. 4. MANAGEMENT PARAMETERS The management of an enterprise / group is rated on the following parameters Integrity (corporate governance) Track recordAPJEM ArthPrabhandAJournalofEconomicsandManagement Vol. 2Issue1,January2013,ISSN2278? 0629 Managerial competence / commitment expertise Structure & systems Experience in the industry Credibility ability to meet sales projections Credibility ability to meet pelf (PAT) projections Payment record Strategic initiatives distance of relationship with the Bank 5. The risk parameters as mentione d above are individually collide withd to arrive at an aggregate score of one C (subject to qualitative factors negative parameters).The overall score thus obtained (out of a max. of 100) is rated on a 8 point scale from SB1/SBTL1 to SB 8 /SBTL8. SALIENT FEATURES OF CRA MODELS (A) TYPE OF MODELS S. none (i) (ii) Exposure Level (FB + NFB Limits ) Over Rs. 5. 00 crore Rs 0. 25 crore to Rs. 5. 00 crore Non avocation Sector (C&I , SSI , AGL) rhythmic Model Simplified Model Trading Sector ( Trade & Services) Regular Model Simplified Model PinnacleResearchJournals15 http//www. pinnaclejournals. com

Wednesday, July 17, 2019

Leadership from the Bible Essay

The pages of History be cluttered with stories and legends of societies spacious leaders Napoleon Bonaparte, a first-class and charismatic military strategist Mahatma Ghandi, the peaceful ultra Pope derriere capital of Minnesota II, the vibrant Roman pontiff that continues to inspire millions Ronald Reagan, the Great Communicator and the list goes on and on. And these leaders are looked upon, adore, and modeled in straight away(predicate)s society as those having exemplary leading skills, having the appoints to motivating, influencing, inspiring, and moving the masses to accomplish great and the right way things.But at that place was only whiz perfect, harmless leader one who led by example, and enforced the wisdom keys from the Word of God Jesus Christ. And He gave to us His Word, the Bible, the perfect manuscript for looks, including key leading constructs that we can be apply forthwith. Using the life of Christ as the primary example and compounding His life wi th Gods word, one finds perfect, holy, and lucky leaders treasures that excel in relevance and unfaltering point beyond historys layperson leaders examples.This cover is my exploration into how the Word defines a great leader and those wisdom nuggets that we can wasting disease to daylight finished the judgments of depressed beginnings, peck, service, and season management. When Israel returned from captivity to rebuild the entitles Temple, the Lord state through the Old Testament Prophet Zechariah, Do non despise the day of small beginnings ( upstart King James Version, Zechariah 410). Referencing this verse, subgenus Pastor mackintosh Hammond of Living Word Christian center on rhetorically asks the question, If it cant be directly huge, why bother? (Small Beginnings).The world is consumed with the concept of winking gratification, the desire to be the biggest and the best without tolerate the struggle that comes with growth, barely Jesus started his ministry sm all, with 120 passionate, committed followers. The LORD also started the Hebrew Nation with in force(p) one man, Abraham. And from that man, a great nation has bighearted and endured for thousands of geezerhood. And even in the first place that, God created the first family, one man and one woman, to fill the earth and invalidate it. Our God, the Christian God, is a God of small beginnings.I attend the mega- church service Family adoration touch in Lakeland, FL. The churchs pastor and charismatic shepherd is Reggie Scarborough. worry the greater church body, the nation of Israel, and the beginnings described in Genesis Pastor Reggie did not despise Family hero-worship Centers day of small beginnings. In fact, I believe, he embraced it. Nearly 26 years ago, the church began with exactly 100 members and has flourished to a crowd of nearly 4,000. Great leaders do not despise or forsake the day of small beginnings.For those who suffer those small beginnings the Lord is faithfu l to gestate much. In the fiscal world there are ternary mutually owned financial firms that mark themselves from the rest New York Life, Massachusetts Mutual Life, and north Mutual Life. All three companies were founded in the mid-19th atomic number 6 with a strategy for small, slow, conservative growth. Today, the bear-sized collar Mutuals are Fortune 100 companies with credit ratings and assets that outflank just about other rivals in the financial markets.These companies truism the value of small beginnings, and the payoff has been a good, strong name. For me, leadership key number one is do not despise the day of small beginnings. To the oracle Habakukk, the Lord said, Write the mickle and make it discipline (Hab 22). This was the Lords reply to Habakukks complaint of the wickedness befalling Judah. Habakukk was externaliseking justice from the Lord and an answer on Judahs future. In quasi(prenominal) measure, the Lord spoke through Proverbs to say, Without a b atch, the mess parish (Prov 2918). A great leader essential have a vision for the future.The text uses the vocalize mission narration to summarize why an brass instrument exists (Kiniki and Kreitner 459). In desire manner, the Word of God uses vision to give the people a purpose, an answer to the question, why do we do what we do? A vision or mission argument also delivers those in the plaque to glimpse the big picture. Pastor Mac Hammond encourages his readers to, Find out where you fit in the super acid scheme of things. (The Big Picture). It also allow for goal-setting. How pull up stakes the organization accomplish the vision?Referring to the conversion from Habakukk, Pastor Mac Hammond states, Setting specific, measurable goals is a powerful exercise Its one of the or so important motivational tasks for winning (The Exercise of end Setting). Just as Pastor Reggie started Family Worship Center with small beginnings, he also had a vision for the congregation. Tha t vision is espoused in the mission educational activity of Family Worship Center which reads Our mission is to create a worship environment through a sexual union of the Word of God and the Spirit of God that will stimulate a progressive Pentecostal community. Our explosive charge).Its vision allows its congregants to know why they are there and how they fit in. The vision also helps Pastor and his control panel of Advisors create and manage goals for Family Worship Centers growth. And from that growth through goals formed from the vision, Family Worship Center has grown to a mega-church that sows into ministries throughout the world. Likewise, the Big triad Mutuals all had separate, yet similar, visions. All of their stories are likewise in that each of their founders laid out a vision or mission for long-term financial security and conservative growth.The following mission statement was released in 1911 from the Northwestern Mutual Life (NML) dining table of Trustee, and r eads as follows The ambition of the Northwestern has been less to be large than to be safe its aim is to consecrate first in benefits to policyowners rather than first in size. Valuing quality above quantity, it has preferred to secure its concern under certain salutary restrictions and limitations rather than to compile a much larger stage business at the possible sacrifice of those valuable points which have make the Northwestern pre-eminently the policyowners comp whatever. Shannon and Poley)This mission statement has allowed NML to grow in an efficient conservative manner for nearly 100 years, and its reputation and name is revered in the industry. Like Family Worship Center, NMLs vision has giving its policyowners and staff the ability to see NMLs big-picture, and the vision has been the guidebook NML uses when setting goals and future plans. A Vision does multiple things for any organization It gives the organization purpose, it shows the people where they fit in with the big-picture, and it gives a communicate path for goal-setting.For me, leadership key number twain is have a vision. Another prominent leadership concept is retainer-leadership. Although the term servant-leadership was coined by Robert Greenleaf in 1970, the concept was espoused by Christ two millennia before (What is handmaid Leadership). Jesus promoted the idea of servant-leadership when He said to His disciples, whoever wants to become great among you essential be your servant (New International Version, Matt 2026). His focus was putt others before oneself.I like the way antic MacArthur describes the passage In this rich text, the Lord was program line the disciples that the style of greatness and leadership for believers is different than for no(prenominal) believers Christians lead by being servants and giving themselves away for others, as Jesus did. (1430) Servant-leadership gives the leader wreak, builds moral, and provides him or her understanding. through and throu gh Jesus example, He did all those things. He had influence He inspired the crowds and His leadership style showed understanding.From a business point of view, there is an old saying, He who serves best, profits roughly. (Source unknown). And its true in any organization. Leaders in a church must serve the sheep, just as Pastor Reggie has through with(p) at Family Worship Center. Leaders in business must serve their clients, just as the Big trio Mutuals. For me, leadership key number three is service. The Apostle Paul said to the church at Ephesus, Be very disturbanceful, then, how you livenot as foolish but as wise, making the most of any opportunity (Eph 515 16).In comparison, the New King James uses the phrase redeeming the propagation instead of making the most of every opportunity. For the leader, what Paul may be inferring here is, Use your time wisely. In support of Pauls letter, John MacArthur opines We are to make the most of our time on this evil earth in fulfi lling Gods purposes, lining up every opportunity for recyclable worship and service (1812). In Scripture, we constantly see Jesus redeeming the time and making the most of every opportunity. He had priorities in place, taking care of the most pressing divisions, first.Many of his miracle healings were interruptions in His schedule, but He often turned aside from His journeying to touch the sick and heal the blind, making the most of the opportunity. He redeemed the time He had on the earth. For the Christian, Pastor Mac Hammond says, one of the most life-and-death lessons any leader can learn is how to use time wisely. (Time Management). For me, leadership key number four is time management. Although this paper has addressed four keys to successful leadership, the wealth of leadership treasure in the Bible is without end.It does not matter the type of organization that applies these concepts. Whether a church like Family Worship Center, or one of the Big Three Mutuals biblical leadership keys work. For me, if I only master key these four, I believe I will be successful in both Christian ministry and the secular business world small beginnings, the willingness to forgo instant gratification vision, the idea that gives me purpose service, putting others before myself and, time management, making the most of every opportunity.