The Munich Agreement of September 1938 Essay Example | Topics and Well Written Essays - 2000 words

The Munich Agreement of September 1938 - Essay Example This has settled on these states consider the understanding as a Munich direct, whose point was to permit the Germans to proceed with the control of the Czechoslovakia land. The paper will talk about the reasons why Neville Chamberlain consented to the Munich Arrangement. Why Neville Chamberlain consented to the Munich Arrangement Neville Chamberlain was the Prime Minister of the United Kingdom at the time the Berlin understanding was marked in Munich Germany. He is viewed as a traditionalist legislator who works under the settlement strategy. All through his residency in office as British Prime Minister, he is depicted as a pioneer who rehearsed hostile to war strategies and would do everything conceivable to guarantee that harmony win. This saw him consent to the Munich Arrangement in spite of being mocked and marked as a defeatist. This is on the grounds that, Chamberlain considered the issue that was bringing difference among Germany and Czechoslovakia as something which could be unraveled carefully (Caputi 2000 p.187). He, in this way, looked for a political course by taking a stab at everything conceivable to persuade Hitler who was highly restricted to the consent to surrender, consent to the arrangement, and maintain a strategic distance from war ((McDonough 1998). One of the fundamental reasons Chamberlain consented to the Munich Arrangement was to guarantee that Britain kept up super force status in Europe, both regarding the economy and supreme force. McDonough (1998 p.4) contends that chamberlain was a self-assured government official who was practical and capable yet was a lot of mindful that Britain was not in a position both military or monetarily to keep up control of the world. He, along these lines, needed Britain to hold its impact in Europe and hold the freedom of Britain. For Britain to accomplish its crucial, felt that the most ideal approach to do this was by dodging a universal war, which was prominent (Parker 1993 P.48). He was, in this way, obliged to consent to the arrangement so Britain can stay super power both financially and supremely. For a nation to go into war, it needs to get backing of the country for it to be fruitful. Chamberlain consented to the arrangement since he didn't know with respect to whether he could get the help of his nation in the event that he acknowledged to go into war (Grayson 2001). Prior to the consenting to of the arrangement, Chamberlain continued looking for the country and bureau support in his arrangement Z system on the off chance that war was unavoidable. He, notwithstanding, didn't get the sort of help, which made him question whether his country would tail him into war. This provoked him to consent to the arrangement to stay away from analysis from his country (Caputi 2000 p.187). War is constantly connected with significant expenses, as it requires utilization of assets, munititions stockpiles and the military (Rowe 2004). Chamberlain felt that it was honorable to for him to think about consenting to the Munich Arrangement, which would keep Britain from acquiring such substantial expenses related with war. This shows Chamberlain was not restricted to war as certain history specialists marked him as a quitter yet rather he was being guided by virtues. It is just Germany that was set up to pay these expenses by guaranteeing that the battle for the extension of Nazi Germans in Czechoslovakia. Chamberlain and legislature of France were anyway much contradicted to exposing their countries to these expenses since the current issue to them was not worth the expenses. This is found in the Munich puzzle that doing battle need solid reason, readiness, stockpiles and the men, which to Chamberlain and Daladier were missing as indicated by Caputi (2000 p.192). In this way, Chamberlain had no real option except to consent to the Berlin Arrangement. It is

Role of Religion in Early American Literature Essay Example

Job of Religion in Early American Literature Essay Job of Religion in Early American Literature American Literature, particularly of the early pilgrim and provincial period is set apart by a profound feeling of religion and a worry after expounding on issues identified with religion. The improvement of early American writing in this way can be believed to be an impression of the strict beliefs followed by the early pilgrims and settlers and it turned into a methods for advancing a good and moral lifestyle. Early American writing is loaded up with an undeniable articulation of religion and its recovering force just as an affirmation of its solidarity to enable people to manage affliction and triumph in troublesome circumstances. The intensity of religion, as communicated in early American writing manages a feeling of appreciation to God for offering boldness to the new pilgrims and this is found in progress of Mary Rowlandson, who, recorded as a hard copy of her long imprisonment by the locals communicated consistently her thankfulness to God for giving her fortitude in those troublesome occasions. The significant job of religion in early American writing is likewise comprehended with regards to the strict idea of the soonest pilgrims in America, the Puritans. The explanation the Puritans had made the journey over the Atlantic and to America was for reasons of rehearsing their confidence and recording gave a way to lay their desires from their new life and the difficult work expected to support life was improved by accounts of mettle and fearlessness. The strict segment of American writing can likewise be comprehended comparable to the solid impact applied by the Puritans in the early long stretches of settlement. We will compose a custom exposition test on Role of Religion in Early American Literature explicitly for you for just $16.38 $13.9/page Request now We will compose a custom paper test on Role of Religion in Early American Literature explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer We will compose a custom paper test on Role of Religion in Early American Literature explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer An intrinsically strict gathering, the compositions of the Puritans comprised principally of lessons, psalms and verse and diaries of their lives. These diaries, being a record of their day by day lives were instilled with strict thoughts as a result of the significant pretended by religion in the day by day lives of the individuals and the worry upon difficult work as one of the approaches to serve God. The job of religion in early American writing can likewise be followed to the significance set on learning and instruction among the Puritans. While the Puritans are commonly seen as dedicated and God dreading individuals, they were likewise a profoundly taught individuals and their instruction discovered its demeanor in their works. Their works mirrored their engrained convictions, particularly religion which was fundamental to their reality and consequently early American writing is imbued with strictness. The job of religion in the writing of this period can likewise be ascribed to the diaries kept by the early pioneers who recorded their day by day existence with accuracy. Religion got vital to their diaries since Puritanism called for reflection on the profound and this was communicated in their works, which became records of their strict encounters and along these lines loaded up with strict thoughts. The period when America saw the convergence of British pilgrims in its properties was additionally when the Bible was placed in the hands of the basic man and more noteworthy number of individuals approached strict composition. The pilgrims conveyed the sacred book with them, which was a wellspring of motivation and food for them in their difficult occasions. The effortlessness of the early American writing can be followed to the basic composing style portrayed by the Bible and its strict message. The job of religion in early American writing is incredibly inescapable and it shapes the undeniable subject for most composed work created during the period. The exceptionally strict nature of the early pioneers and their profound situated faith in God and his kindness is appeared in these works, giving it an unmistakably strict tone.

Writing About the Value of College Education

Writing About the Value of College EducationWith the economy so weak, students are finding that it is harder to find the amount of money needed to finance their college education. One way to help reduce the cost of the education is to write a value of a college essay.Writing an essay about how the money one would save by not going to school, can help you realize that it may not be such a bad idea after all. The purpose of the essay is to draw a comparison between your current circumstances and the college education that you can get without having to take out loans or save up enough money. You should write in your own voice but your objectives should remain the same.Writing about the value of your education in terms of time and money will appeal to people who think they are entitled to every gift that life has to offer. Your essay will appeal to people who feel as though people who are willing to go through school already have the right to have all of the things that they want in life . This is why your essay is so important; it can prove to people that there are other ways to get there without having to go to school.Students who want to obtain an education are often faced with a balancing act. They want to get an education while still making sure that they have enough money coming in to support themselves. The goal of your essay should be to try to convince people that the options they currently have are not always the best options. When people see your essay, they will see that there are other ways to go about getting an education without having to spend the money on loans or personal savings.When writing about the value of your college education, it is important to give a good reason for why the person should pursue an education without the amount of money he or she currently has. The essay will prove to the reader that the choice you made, may be the right one. After all, you are not going to make a very good living off of getting an education.Writing about t he value of college education is like solving a riddle. In order to solve it, the writer must give the people reasons to why going to school is not so important. In other words, people need to see what is at stake if they do not go to school.The essay will prove to people that the decision they make today could change their life for the better. With this, people will look at your essay with a different perspective. This is the main reason why it is important to write your essay well and thoroughly.You should learn to write well about the topic that you are writing about. Don't be afraid to ask questions. If you are unsure of something, ask your professor or the professor at your school's library.

Risk Management Techniques And Systemic Risk Finance Essay - Free Essay Example

Sample details Pages: 6 Words: 1936 Downloads: 10 Date added: 2017/06/26 Category Finance Essay Type Research paper Did you like this example? In my opinion, existing risk management techniques are not fit for purpose when examined in the context of overall financial stability. This is because current regulation and risk management techniques focus on protecting individual institutions rather than protecting the economy as a whole. As a result, there is no framework to alleviate systemic risk which has led to financial crises such as the most recent crisis in 2007. Don’t waste time! Our writers will create an original "Risk Management Techniques And Systemic Risk Finance Essay" essay for you Create order Section 1 will begin by defining systemic risk which is a central theme in this discussion. It will then give a brief insight into how the banking system has evolved from the traditional model to the shadow banking system which allows the use of securitization to protect individual institutions from credit risk. Finally, it will identify the negative macro consequences of the shadow banking system. Section 2 will examine the Basel Accords (I and II) to give an insight into past and current regulation of financial markets. Although the Basel Accords originally intended to regulate the macro economy, this section will show that unfortunately this has not been the case. The current focus of financial market regulation centres incorrectly on the micro economy. Section 3 will recommend new regulations for the future with a significant focus on macro-prudential regulation and the implementation of Basel III to ensure financial stability in the future. Section 1 (a) Systemic Risk Systemic risk is a central concept to this discussion however it is an ambiguous term with no clear defintion. My understanding of systemic risk combines three frequently used concepts as outlined by Kaufman Scott in 2003: When a large unexpected shock occurs, it has negative consequences for the entire banking, financial or economic system, rather than just affecting a few institutions. This definition distinguishes between the entire system as one entity (macro) and individual institutions (micro). Risk management techniques should consider both the macro and micro consequences of an event. However, up to the present day risk management techniques have concentrated on micro events. (b) Evolution from Traditional to Shadow Banking System In the traditional banking model, banks were obliged to hold loans (and associated risks) until they were repaid. (Brunnermeier, 2009) If the bank issued a twenty year mortgage, it was obliged to hold this mortgag e and its risk of default for the full twenty year term. However, the banking system underwent a transformation that led to loans being pooled, tranched and resold through securitization. This shadow banking system got its name from the fact that it sold short-term asset backed investments that were not recorded on the balance sheet. (Brunnermeier, 2009) Rather than a bank holding a twenty year mortgage, it was pooled with other loans, rated according to its risk level and sold to an investor who was willing to take on that level of risk. The aim of this technique was to identify risk accurately and divide the various levels of risk between parties who could easily bear them. (Caprio, Demirgà ¼Ãƒ §-Kunt and Kane, 2008) However, this was a micro-focused technique allowing individual banks to protect themselves from risk by offloading it to investors. Unfortunately, this technique also had negative macro effects. (c) Macro Effect of Shadow Banking System Securitization ha s had significant effects on the economy as a whole as it led to a decrease in overall credit quality and increased access to home ownership. There was no incentive for a bank to monitor the quality of loans it created when it didnt have to bear the consequences of default on a bad loan. Instead, there was an incentive to issue poor quality loans because this risk was passed on and the individual bank was protected. This is why mortgages were approved for individuals who were previously viewed as less creditworthy under the traditional banking model when banks were not able to offload risk. Therefore, securitization through the shadow banking system increased access to home ownership. (Caprio, Demirgà ¼Ãƒ §-Kunt and Kane, 2008) These mortgages were granted under the false pretence that house prices would only increase so there was no need to undertake background checks. It was believed that if a mortgage holder couldnt afford to make repayments, they would always have the opt ion of using the increased value of the property to refinance the loan incurring no loss. (Brunnermeier, 2009) Ultimately, this was not the case and mortgages were approved to people who now cannot afford to repay them. This was due to the shock of the recession causing the property bubble to burst and house prices to fall significantly. Therefore the macro effects of the shadow banking system are that overall credit quality has fallen and home ownership has been extended to people who cannot afford it. Section 2 Basel I Basel I was implemented in 1988 to regulate capital requirements in banks. It aimed to ensure banks had enough capital to cope with unexpected losses in order to protect the global financial system. (Council of Mortgage Lenders, 2010) Evidently, the aim of Basel I was macro-prudential regulation. However, it regulated in a way that continued to provide incentives for banks to act recklessly in order to protect themselves. Banks were required to hold total capital of 8% of risky assets, with 4% of this held as Tier 1 Capital i.e. shareholders funds and preference shares. (Caprio, Demirgà ¼Ãƒ §-Kunt and Kane, 2008) Basel I further encouraged securitization because securities backed by mortgages were considered less risky (20%) than holding mortgages themselves (50%). Therefore Basel I failed to protect the global financial system due to its micro focus. In section one I have already identified the significant negative consequences of securitization for the macro econom y. (Caprio, Demirgà ¼Ãƒ §-Kunt and Kane, 2008) Basel II Basel II was implemented in 2008 to promote stronger risk management practices and address the weakness that Basel I was too simple. Basel II consists of 3 pillars relating to minimum capital requirements, supervisory review of banks capital adequacy and strengthened market discipline of capital adequacy. Borio (2008) claims that Basel II is a much better method of regulation than Basel I. Pillar One ensures that capital is much more sensitive to the relative riskiness of exposures. It measures risk according to external credit ratings assigned to the borrower rather than having a fixed risk weighting as seen under Basel I. Where a residential mortgage was weighted as having a 50% credit rating under Basel I, this may be higher or lower depending on the risk associated with the particular borrower under Basel II. This seems more appropriate as mortgages do not carry a single risk level. In this manner, Pillar 1 red uces opportunities for regulatory arbitrage. In the most recent 2007 crisis, investors trusted credit rating organisations to assess risk on their behalf until it was too late and it became apparent that these ratings could not be trusted. They did so because they only had to hold the risk for a few months until it was passed on to the next investor in the securitization chain. It was easy for them to trust that credit ratings were correct because if they werent, it was unlikely that they would personally suffer a loss. Basel II promoted holding assets with good credit ratings while underestimating the fragile position of banks portfolios. In the U.S. many highly rated securities have since defaulted and been downgraded proving that they should not have been rated so highly in the first place. (Caprio, Demirgà ¼Ãƒ §-Kunt and Kane, 2008) Pillar 2 gives national regulators discretion to require additional capital to the minimum in order to compensate for additional risks tha t are not captured under Pillar 1. (e.g. interest rate risk) which may apply to individual institutions. This is a significant development from Basel I. It recognises that individual banks are faced with different risk factors. By allowing individual institutions to protect against individual risk, this should protect the financial system as a whole. Pillar 3 aims to improve market discipline and risk disclosures by requiring financial institutions to provide details of their risk management and risk distributions through the publication of financial statements. Unfortunately, Basel II does not include any measures to prevent financial institutions from becoming insolvent. It also doesnt impose any requirements on regulators to step in and implement corrective action if this does occur. This implies that under current regulation, banks may not be able to cope with shocks to the system which may lead to negative consequences for the macro economy. Section 3 Basel III Objective In September 2009 the Basel Committee agreed the basic framework for a new agreement, Basel III. This agreement aims to implement both micro and macro regulation to improve the ability of banks to absorb shocks arising from both economic and financial stress (it also includes the aims of previous Basel agreements to improve risk management and transparency). In essence, the Basel committee is attempting to alleviate systemic risk from financial markets in the future. Basel III should be fully implemented by 2018. (Bank for International Settlements, 2010) Basel III Techniques In 2008, Caprio, Demirgà ¼Ãƒ §-Kunt and Kane recommended that a simple leverage requirement is worked into Pillar 2. They believed that the current emphasis on weighting risk is a mistake and that this technique should be abandoned. In its place, they recommended that all items, both on and off the balance sheet should be included in a ratio that determines maximum leverage. This would include securitized assets and would eliminate arbitrage opportunities to acquire securitized products in order to minimise capital requirements as was the case under Basel I. The Basel Committee have announced that Basel III will supplement risk based capital requirements with a non-risk-based leverage ratio. This will reduce the emphasis on risk weighting. These combination of these two methods will result in a stronger treatment of non balance sheet items. (Bank for International Settlements, 2010) Basel III recognises that not all financial institutions pose systemic risks. Persaud (2009) advises that systemically important banks should receive closer scrutiny and have a greater requirement to contain their behaviour. Basel III has acknowledged this need for systemically important institutions to have a loss absorbing capacity beyond the minimum standards. This improves upon Basel II which did not include any method to reduce the risk of insolvency to institutions. R equiring systemically important banks to hold more capital will reduce their risk of insolvency. In short, Basel III has proven that we do not need more regulation, we need better regulation. This latest agreement addresses the need for an increased focus on macro prudential regulation. By regulating individual institutions in this manner with a view to protecting the overall macro economy, systemic risk can be alleviated. Conclusion Although Basel I and II aimed to protect the global financial system, they regulated in a way that provided opportunities for individual banks to gain through the shadow banking system that encouraged securitization. Ultimately, they encouraged micro risk management techniques that had negative implications for the overall economy. However, Basel III has moved away from this approach by introducing a non-risk based leverage ratio that will regulate in a way that monitors all assets both on and off the balance sheet. This means that banks will not be able to gain via securitization in the future. This, together with recognising that some financial institutions are of greater systemic importance and must be monitored more closely will lead to better regulation focused on the macro economy in future years. To conclude, I agree with Persaud (and it seems the Basel Committee also) that micro-prudential regulation is not adequate by itself and must be complemented by macro-prudenti al regulation that catches the systemic consequences of all institutions acting in a similar manner. We cannot prevent crises but we can reduce the number of them and their impact by implementing better regulation with a greater focus on macro-prudential regulation. (Persaud, 2009)

Harley Davidson Target Market Free Essay Example, 3000 words

In marketing, positioning has come to mean the process by which an attempt is made to create an image or identity in the minds of their target market for its brand and range of products, or the organization itself. The aim is to develop a perception in the mind of the target market about the brand and image. It has been stated by Hamel and Prahalad (1996) that companies that desist from competing for future market opportunities are doomed and forgo corporate value creation that they had achieved in the past. Growth is dependant on momentum and it is an integral part of business strategy. Growth is also a very difficult decision as it involves investments, and investment may become wasteful or a burden if there is no adequate return in a reasonable period of time. Corporate strategies have been divided into Five Ps by Mintzberg (1992) and they are Plan, Ploy, Position, Pattern, and Perspective. While each is a separate type of strategy with its attendant qualifications, yet they are usually present in all strategies to some degree. We will write a custom essay sample on Harley Davidson Target Market or any topic specifically for you Only $17.96 $11.86/pageorder now The real difference lies in the fact that one of them will be dominant and others will play a supportive role. Among the strategies, Positioning is a long term objective of corporate operations and requires more attention to detail and a firm commitment to accept the consequences and to overcome roadblocks. It is an assertive policy that will require substantial investments and total cooperation of all stakeholders otherwise it might fail. The stakes are huge and the results are very rewarding. The one big risk is that in case the objective is changed due to the influence of external factors, the whole strategy will have to be abandoned at great cost. Therefore it has to be planned and well thought out over a period of time. It is preferable to first test this strategy for a short period on a smaller scale to confirm its feasibility and acceptance before making a full-fledged commitment. When a company embarks on a positioning strategy, it is beset with several roadblocks en-route. It is able to surmount them but within these attempts, it sometimes prolongs the effort and at times is able to quickly realize its goals.

Analysis Of Chekhov s Miss Julie - 1215 Words

Naturalism in theatre displayed the concept of creating ‘real life’ on stage. Notable practitioners such as Emile Zola, Anton Chekhov, and August Strindberg, illustrate in their plays this illusion of reality on stage. Director and practitioner, Konstantin Stanislavski, created a method where actors achieved naturalistic performances. Moreover, the key features seen in Naturalism theatre is the determinism of the environment, the actors portrayal of the characters and the concept of happiness. Both of this concepts can be seen in Anton Chekhov’s Three Sisters and August Strindberg’s Miss Julie. Determinism in the environment is the idea that the characters are victims of their own circumstance. In Miss Julie, Julie is infatuated with Jean, this is displayed by her actions. To illustrate, Julie tells him to go dance with her, and later she asks him to take her to the lake. Ultimately, Jean takes advantage of Julie’s naivety and tells her to go away with him to open a hotel. However, Jean soon realizes that Julie does not have any fortune, which causes Jean to not go anywhere with Julie. â€Å"Julie: ‘I can’t do that, I own nothing myself†¦ Jean: ‘Things stay as they are’† (Strindberg 58). Miss Julie feeling ashamed and not wanting to ruin her father’s reputation chooses to commit suicide. Strindberg creates a cycle of who has the power between Julie and Jean. Julie is first seen commanding Jean and at the end of the play, Jean commanding Julie. â€Å"Julie: †¦Bark me an order andShow MoreRelatedAn Exploration Of Au gust Strindberg s Life Through Its Cruel And Powerful Struggles1536 Words   |  7 Pagesâ€Å"I find the joy in life through its cruel and powerful struggles† (Strindberg 57): An Exploration of August Strindberg’s Personality through Hypnotism in Miss Julie In the preface of the â€Å"brutal... cynical... heartless drama† (Strindberg 57), Miss Julie, August Strindberg gives an in depth analysis of his play and himself. Fashioning his characters as â€Å"souls† (Strindberg 91), Strindberg permits mobility in personal development and reflects the complexity of the self. Through his drawing of the characters

Longitudinal Analysis of Leading Advertising †MyAssignmenthelp.com

Question: Discuss about the Longitudinal Analysis of Leading Advertising. Answer: Introduction The report is based on the different methods of business communication that is used by the organizations in order to attract more customers towards the products and services provided by them. Advertisements are the best method of communication that can be used by the companies as to attract different customers towards them (Kim et al., 2014). The name of the company is Tower Insurance and it is located in New Zealand. The founder of Tower Insurance Company is founded in the year 1869 by Michael Stiassny. The organizational structure of Tower Insurance is shown as follows: The organizational structure that is followed in Tower Insurance Company is a top down approach that is followed by the company. The different products and services that are dealt in Tower Insurance Company, New Zealand are the different kinds of insurance related to different items including car are the products and services, Tower Insurance is dealing with in New Zealand (Nelson, Ham Ahn, 2017). The mission statement of the respective company is to be the first choice by properly delivering accessible and relevant insurance solutions to the customers (Khang et al., 2016). Regarding the first choice, Tower Insurance delivers the best offers in the competitive market based on the different advantages as well as benefits of the organization. Tower Insurance helps in ensuring that proper achievement helps in performing better in the competitive market as well. The mission is to be accessible in nature along with proper and competitive value of money. Lastly, the aim of the company is to offer as well as tailor combination of advice, service and protection (Greene, Tanner Wright, 2015). The vision of the Tower Insurance is to actively enhance and protect the lives of the people. The Tower Insurance Company plays a proactive as well as leading role in improving the lives of the people through providing insurance. The main aim of the respective company is to manage and mitigate different kinds of risk of institutions as well as individuals. The main vision of the company is to deeply care about the individuals who are the target customers of the respective company and create an impact on the quality of the lives of the different individuals (Park et al., 2015). Identification of the business communication method The business communication method that has been used by Tower Insurance is the Advertising technique as this will help the respective company in attracting customers around the world (Mueller, 2013). Advertising technique can help the company in gaining more response of the customers. The advertising technique will help Tower Insurance Company to expand in the entire competitive market along with increasing the entire sales of the company. This advertising technique will help the entire company in educating the different customers about the new product that has been introduced by the company regarding the insurances. Advertising technique is dynamic in nature and it makes the consumers familiarize about the diverse uses of the different kinds of insurances (Wang et al., 2016). There can be different issues in the advertising technique that can be faced by Tower Insurance Company in New Zealand as it adds to the costs of the different products related to the insurance (Harris et al., 2017). The advertising technique will confuse the buyers as this will misguide them with different kinds of behavior and this will make the customers upset when the same thing that has been displayed by the company is not the same in the company (Lou, 2016). The problem that is faced by Tower Insurance is the increase in the cost of the expenditure and this can impact the sale of the other goods in the company and it is confusing the buyers of the company as well (Avant, Kim Hayes, 2017). The goal of the advertising method used by Tower Insurance Company is to get proper attention and promoting proper and immediate attention on the advertisement of the company as this will help the customers to get a proper brief about the product. The goal of the advertisement is to understand proper building of the sales and the profit in the organization. The goal of the advertisement is to build proper awareness about the different brands of the insurance among the different customers. The goal of the advertisement is to create long term communication among the customers and this will increase the sales of the company as well. Usage of advertisement technique The advertising technique that is used by Tower Insurance Company are promotions, Bandwagon as well as Repetition as this will make the company gain more competitive advantage in the industry. Tower Insurance Company has to analyze the different techniques of advertising as this will be effective in nature to attract more customer base in the entire industry. Tower Insurance Company has to use the repetition technique as this is the most effective technique and this will help in attracting customers through television as it contains both sound and audio clips of the advertisements that are helping the respective company to attract the customers. Similarly, bandwagon technique is effective and efficient in nature as well as this will help Tower Insurance Company in convincing the target customers in the entire competitive market by providing valued ideas and convincing advertisements as this will helps in connecting the individuals through the services that are provided by them. The advertisement method is implemented by Tower Insurance Company with proper utilization of the advertising in making the public aware about the different services that are provided by the Tower Insurance Company in order to attract their attention towards their insurance services provided by them and not the other competitor companies in the competitive market. The advertising technique has to be properly applied by the company as this will help in developing proper strategy of marketing in the company as to attract the different customers. The implementation is successful in nature as the creativeness in the advertising technique will help them in making the customers aware of the different strategies implemented by them (Yoon Oh, 2016). It helped in bringing new products and services to the notice of the customers as well as providing proper advertising helps in marketing of the different services provided by the respective company. Advertising helps in gifting different ideas and this can help in making the advertisement more convenient in nature. This will help in increasing the volume of sales in the market as this will help Tower Insurance Company in generating huge revenues in the market as well. The advertising will help in increasing the morale of the employees in the company and it will help in developing proper trust among the public. Lastly, the advertisement technique will help in reducing the cost of product and services with proper merits of economies of scale as well as elimination of the middlemen. Demerits of the advertisement technique From the above diagram, it can be analyzed the percentage of the advertisements in the world has been increasing in the last few years and this has been in huge demand by the customers, however there are customers who do not prefer proper advertising technique as according to them, advertising is the technique that misleads them and this can affect the expectations of the customers they are having regarding the services provided by the company (Avant, 2014). The advertising rate has been in huge demand by the customers in the competitive market in the current years as this is the best technique that is used by the companies in order to attract the customers and help them in deciding from different options available to them. This is an artificial living in the competitive market as the advertisement technique encourages wasteful consumption as well as the advertisements that are used by the companies are misleading in nature as this can misguide the different customers in the competitive market. Advertisement is the wasteful technique and unethical resources as the advertising can offend the sentiments of the public in general and this can hamper the brand of the respective company. Lastly, the advertisement technique used by the companies is of higher prices as this will lead to increase in the cost of distribution in the company. Conclusion Therefore, it can be concluded that advertising is essential in the company as this will help in making proper decisions relating to the different advertisements of the goods and services in the organization. In Tower Insurance Company, proper advertising technique has been applied as this will make the company aware of different techniques that can attract customers in the competitive market and this can help them gain proper competitive advantage. Advertising technique has few disadvantages wherein it is one of the misleading techniques of attracting the customers as this will mislead the customers regarding the different services provided by the respective company. Lastly, it can be concluded that advertising is a positive technique in order to make proper efforts in attracting more customers in the competitive market. The company needs to be attractive and effective in nature as this will help in making proper use of the techniques in making the customers understand about the services that are provided by them is better in nature than the competitors in the competitive market. References Avant, J. A. (2014). In Trends in Advertising Research: A Longitudinal Analysis of Leading Advertising, Marketing, and Communication Journals, 1980 to 2010 by Kyongseok Kim, Jameson L. Hayes, J. Adam Avant, and Leonard N. Reid, published in Journal of Advertising, 43 (3), pp. 296316, doi: 10.1080/00913367.2013. 857620, the affiliation for J. Adam Avant and Leonard N. Reid was incorrect. The correct affiliation follows.Journal of Advertising,43(4), 417. Avant, J. A., Kim, K., Hayes, J. L. (2017). Thirty Years of Advertising Research in Leading Communication and Marketing Journals: Learning From the Parent Disciplines.Journal of Current Issues Research in Advertising,38(1), 44-64. Greene, S. G., Tanner, J. R., Wright, P. (2015). An Analysis of the Impact of the Motor Carrier Act of 1980 on the Use of Advertising by General Motor Freight Carriers. InProceedings of the 1986 Academy of Marketing Science (AMS) Annual Conference(pp. 246-250). Springer, Cham. Harris, M. L., Musgrove, C. F., Ernstberger, K. W., Cox, K. C., Choi, P. (2017). Differential Effects of Marketing Messages in Online Advertising for an MBA Program.International Journal of Technology and Educational Marketing (IJTEM),7(1), 15-25. Khang, H., Han, S., Shin, S., Jung, A. R., Kim, M. J. (2016). A retrospective on the state of international advertising research in advertising, communication, and marketing journals: 19632014.International Journal of Advertising,35(3), 540-568. Kim, K., Hayes, J. L., Avant, J. A., Reid, L. N. (2014). Trends in advertising research: A longitudinal analysis of leading advertising, marketing, and communication journals, 1980 to 2010.Journal of advertising,43(3), 296-316. Lou, D. (2016). When firms increase advertising spending, their stock prices climb in tandem.LSE Business Review. Mueller, B. (2013). JMS 460: Principles of Advertising. Nelson, M. R., Ham, C. D., Ahn, R. (2017). Knowledge Flows Between Advertising and Other Disciplines: A Social Exchange Perspective.Journal of Advertising,46(2), 309-332. Park, J. H., Venger, O., Park, D. Y., Reid, L. N. (2015). Replication in Advertising Research, 19802012: A Longitudinal Analysis of Leading Advertising Journals.Journal of Current Issues Research in Advertising,36(2), 115-135. Wang, Y., Rodgers, S., Wang, Z., Thorson, E. (2016). A seventeen-year study of graduate student authorship in advertising journals.Journalism Mass Communication Educator,71(1), 69-83. Yoon, S., Oh, S. (2016). Introduction to the special issue on social and environmental issues in advertising.

ABEKA VOCABULARY, SPELLING, POETRY IV REVIEW QUIZ 3 Flashcard

ABEKA VOCABULARY, SPELLING, POETRY IV REVIEW QUIZ 3

Federalist No. 51 essays

Federalist No. 51 essays In the Federalist No. 51 by James Madison seems to be addressing the issue of separation of powers and the system of checks and balances. The first issue Madison tries to explain the need, purpose and justification for separation of powers for each branch of government. James Madison states that as all these exterior provisions are found to be inadequate, the defect must be supplied, by so contriving the interior structure of the government, ....be the means of keeping each other in their proper place. I believe that this statement was saying that having a strong structure for the national government would add stability to a country that was dealing with each state exercising its own powers, which in its self was becoming so troublesome to control. Madison has stating that even though the national government would be essentially united as one. Each section would have its own distinct characteristics. Each department should not need to rely and depend much on any other department, but be strong enough to carry out its duties specified in the Constitution. Having a separation of power within the national government continues to acknowledge the need for a strong national government, but by delegating certain duties and activities to the different branches establishes a sense of cooperation and unity with this entity of government. Separation of powers leads to the next issue, checks and balances. As addressed in No. 51, constant aim is to divide and arrange the several offices in such a way that each may check on the other; that the private interest of every individual, may be a sentinel over the public rights. Here Madison addresses the idea of checks and balances, where each branch has certain powers that when used can overstep certain powers of any one branch. Madison also brings up the idea of the governments concern with not just public rights and liabilities, but showing con ...

Business report Essay Example | Topics and Well Written Essays - 2500 words - 1

Business report - Essay Example Walmart’s leadership is often attracts criticisms for visionless business strategies. Debate about the replacing of present CEO is going on. Walmart’s failure to incorporate technology properly with the supply chain operations is bringing lot of criticisms. In any case, business practices in Wal-Mart are undergoing microscopic examination at present. In short, Walmart’s business practices need lot of modifications. This business report critically analyses Wal-Mart’s business practices and provides recommendations to improve it. Founded in 1962 by Sam Walton, American based Wal-Mart is the largest retailer in the world at present. Retail revolutions were taking place in America in the 60’s and 70’s and Sam Walton exploited the opportunities very well with the help of innovative business strategies. â€Å"Sam Waltons strategy was built on an unshakeable foundation: The Lowest Prices Anytime, Anywhere. As of 2012, the company employs 2.2 million associates worldwide and serves 200 million customers each week at more than 10,000 stores in 27 countries† (Wal-Mart: History timeline, 2012). Despite of unfavorable market conditions, Wal-Mart was able to maintain its growth in recent years also. â€Å"Net sales increased by 5.9 percent to $443.9 billion, and consolidated operating income grew by 4 percent to $26.6 billion in 2012† (50 years of helping customers save money and live better, 2012, p.3). (See appendix 1 for more details about Wal-Mart’s performance in last 50 years). It should be noted that global markets are currently going through a bad patch because of the ongoing recession problems. Yet, Wal-Mart seems to be less affected by these problems. Even though, Wal-Mart’s published financial results in recent times are extremely good, many people believe that the company is facing too many strategic problems at present. It is believed that

How malt liqour is bad for health Research Paper

How malt liqour is bad for health - Research Paper Example The variety of injurious health effects produced by Four lokos is so abnormally huge that this particular brand of malt liquor was even banned from being sold in the market. A range of heart and blood pressure problems originate from consuming malt liquors. This is a sad reality that many malt liquors are marketed to children by masking the overwhelmingly bitter taste of alcohol with fruit flavors and people have certainly no idea about their markedly high alcohol content. People most often have no information how inebriated they are concerning the high level of stimulants contained in those liquors. The following discussion illuminates the majorly researched ill health effects produced by malt liquors. (Bellamy) stresses on the adverse results produced by consuming malt liquor Joose by mentioning that a large percentage of health researchers have linked Joose drinking and impaired mental performance due to which motor vehicle accidents result. Impaired or loose driving is one of the most fatal and common results produced by consuming Joose liquor. ... The Joose drinks are advertised as premium quality malt beverages with alcohol content ranging from â€Å"9-12% ABV† in 24oz. cans, which roughly equals alcohol content of wine. (Buzz Brands). A more reliable source claims that 24 oz. Joose cans contain 9-9.9 percent alcohol depending on the flavor. (Joose: Steel Reserve Killer). Here, the brand Four Loko clearly differs from Joose because it contains even higher alcohol content (and is capable of intoxicating an individual even more. This is because people new to malt liquor initially go for Joose and only after developing tolerance for that, they turn to Four Loko’s. Four Loko energy drinks have been the subject of critical legal, moral, and health concerns regarding the high alcohol content and injurious combination of caffeine and alcohol. â€Å"Four Loko has as much caffeine as two eight-ounce cups of coffee, and has 12 percent alcohol by volume.† (Johnson). This comparison of two of the most popular brands Joose and Four Lokos gives an insight into how the marketers of alcohol-based energy drinks rigorously try to outrun each other in increasing the alcohol content in an order to survive in the market. But, the sad reality is that this ferocious trend adopted by the marketers proves to be injurious and also fatal for the consumers, eventually. There has been much controversy and legal issues related to marketing of Joose and Four Loko drinks. The US state attorneys began investigation of companies selling alcohol-based energy drinks like United Brands Co. and Phusion noticing their rise in market share. This rise in market share occurred because the brands Joose and Four Loko were particularly marketed to teenage consumers, who

Peers Essay Example for Free

Peers Essay For this essay, I researched how peers can influence the physical, cognitive, social and personality development of their adolescent friends. In addition to this, my research also included ways the parent-child relationships can have more or less influence on an adolescent. â€Å"Peer pressure is a specific instance of social influence, which typically produces conformity to a particular way of acting or thinking,† states Jeffrey Lashbrook, professor of Sociology at State University of New York College (Lashbrook, 2000, pg. 1). Even when just considering the time adolescents spend with their peers, it really shouldn’t be too surprising the impact and influence adolescent peers can have on one another. Cross-behavior analyses of five activities—alcohol consumption, cigarette smoking, marijuana use, tobacco chewing and the adolescent’s introduction to sex were analyzed in a longitudinal study conducted by The National Longitudinal Study of Adolescent Health. The study found that adolescents were twice as likely to engage in a risk behavior if their friend engaged in it also. The study found that peer influence can be both beneficial and harmful. In the use of cigarettes and marijuana, there was only influence to initiate the behavior. However, for alcohol consumption, the study showed that there was equal influence to conform to friends who drank and to conform to friends who did not drink. Whereas with tobacco chewing, there was shown to be significantly more peer pressure to stop chewing than to begin chewing. This was used as evidence that teens also can protect their peers in risk activities. One of the results the study showed was, not too surprisingly, that best friends were more influential than close peers. The study concludes to say that â€Å"peer influence is a real phenomenon that takes on varying roles across adolescent risk behavior† (Maxwell, 2000, p. 1). This includes the physical, cognitive, social and personality development of the teen. As far as the ways parent-child relationships have more/less influence, I read some additional research in this specific area. In research conducted by Barnes, Hoffman, Welte, Farrell and Dintcheff, (Barnes, 2006), 6 sets of data were analyzed including interviews of 506 adolescents to determine how parental support and monitoring influenced adolescent behavior. The results of the study concluded that effective parenting and adolescents avoidance of associations with delinquent peers proved to be important factors which correlate with the decrease of alcohol misuse, other substance use, and delinquency (Barnes, 2006). Some studies I read through seem to reiterate that parents often wait for â€Å"the right time† to influence adolescents. However, in reading through the various research, it seems to indicate that those parents who remain open to communication with their children all along will have greater influence in their adolescent’s choices. For example, in an article I read titled, â€Å"Parents Communication with Adolescents about Sexual Behavior: A Missed Opportunity for Prevention,† (Eisenberg, 2006), it stated that parents often wait to talk to their teens about sex at the time they know their adolescent is in a romantic relationship. However, the article examined how it is not parallel when the teen stated they had their first sexual experience and when the parent(s) states they believe their teen will or has had his or her first sexual experience. In the various readings I have researched for this essay, I have seen this to be the case with most things in general. Often the parents believe the adolescent doesn’t know or hasn’t experienced various things when the teen states they have. The research I have read does indicate that peers can influence their adolescent peers in a variety of ways depending upon other factors. In the research I have also found that how a parent can influence their adolescent usually begins a long time before they are adolescents and can vary from person to person.

Essay --

The American people love fast food, but little do they know about what is really in their â€Å"hamburger† or â€Å"chicken nuggets†, and what damage the real ingredients in these foods can cause. Fast food has become a great part in many people’s lives today because you could get it fast and on the move and it’s also cheap. Everyone has eaten fast food at one point in their lives, unless of course they don’t eat meat, but they really don’t have a clue as to what they’re ingesting. This paper will inform you as to what scientists have found in these deadly foods and what can happen in the future if you continue to eat these foods. Since 1980 the total number of overweight and obese Americans has doubled. The fattest state in America is Mississippi, with 1 out of every 4 people being obese. Each day approximately one out of fourteen Americans eats at a McDonald’s, and each month about nine out of ten American children visit one (Schlosser and Wilson 7). There are more than 31,000 McDonald’s selling Happy Meals in 120 countries, when in 1968 there were only about 1,000 McDonald’s that were solely located in the United States (Schlosser and Wilson 7). Due to McDonald’s excessive advertising their â€Å"Golden Arches† of the â€Å"M† are now more widely recognized than the Christian cross (Schlosser and Wilson 8). One of the most important things people buy is food and yet most people don’t think, nor care where it comes from (Schlosser and Wilson 9). Fast food is sold everywhere all across the globe. Americans spent approximately $6 billion on fast food in 1 970; in 2006 they spent about $142 billion (Schlosser and Wilson 10). These number changes are astonishing and only increase by the year. What’s even more astonishing is that according to ... ...es telling them to not eat the company’s food. They had a list of diet suggestions on the website. A direct quote from the article was â€Å"Fast foods are quick, reasonably priced and readily available alternatives to home cooking, while convenient and economical for a busy lifestyle, fast foods are typically high in calories, fat, saturated fat, sugar and salt and may put people at risk for becoming overweight.† They inform their employers of the risks of their food, but push their food into the face of the public. In concluding this paper, there are many horrifying facts about fast food. I bet no one expected all of the damage these foods could actually cause. The sad thing is most people don’t know these facts, and don’t care to know they’d rather live in denial and enjoy their â€Å"delicious food† than help their bodies and feed them the proper, necessary foods.

Electrical Substation

1. INTRODUCTION Electrical substation for distribution system is the main supply to convert the high voltage (HV) to low voltage (LV) and the place where load are distributed to the consumers. In Malaysia, Tenaga Nasional Berhad Distribution (TNBD) used the 33/0. 433kV, 22/0. 433kV, 11/0. 433kV and 6. 6/0. 433kV voltage system for the electrical system to supply for domestic consumer and industrial consumer such as factory which will supplied directly from Transmission Main Intakes (PMU), Main Distribution Sub –station (PPU) or Main Switch Sub – station (SSU).Electrical substation is the place where all electrical equipments such as high voltage switching, three phase transformer, high voltage cables, low voltage cables, low voltage feeder pillar, battery charging and etc which are used for electrical supplying in power system and to make sure the safety of the system by the protection scheme. Basically, electrical system have one or several in coming and out going circ uit which are controlled by high voltage switching and meet in one or more in the same of busbar system.Generally, electrical substation is a point in distribution system where: * A place where several electrical equipments are installed and used for electrical energy in power system. * A place where the safety of the system is provides by automatically protection scheme. * A place where one or several incoming and outgoing circuit are met at one or more busbar system and controlled by high voltage switching equipment which is used for switching. * A place where voltage value is changed and controlled. A place where load are distributed, controlled and protected FUNCTIONS OF A SUBSTATION * Supply of required electrical power. * Maximum possible coverage of the supply network. * Maximum security of supply. * Shortest possible fault-duration. * Optimum efficiency of plants and the network. 2. OPERATION OF 11 kV MODULAR POWER PLAN LAB Electric power is normally generated at 11-25kV in a power station. To transmit over long distances, it is then stepped-up to 400kV, 220kV or 132kV as necessary. Power is carried through a transmission network of high voltage lines.Usually, these lines run into hundreds of kilometres and deliver the power into a common power pool called the grid. The grid is connected to load centres (cities) through a sub-transmission network of normally 33kV (or sometimes 66kV) lines. These lines terminate into a 33kV (or 66kV) substation, where the voltage is stepped-down to 11kV for power distribution to load points through a distribution network of lines at 11kV and lower. The stepped-down voltage of 11kV is channelled to the RMU(Ring Main Unit) and outgoing feeder of the substation.This is to ensure the continous supply of electricity even during maintenance. The RMU unit is speacially designed that during maintence the affected users will receive supply from a different substation which is interconnected. This is because maintenance have to b e carried out in an ON condition. 3. BLOCK DIAGRAM OF 11kV MODULAR POWER PLAN 4. FUNCTIONS AND MAINTAINENCE OF ALL EQUIPMENTS 5. 1 Switch gear/ circuit breaker In an  electric power system,  switchgear  is the combination of electrical disconnect switches,  fuses  or  circuit breakers  used to control, protect and isolate electrical equipment.Switchgear is used both to de-energize equipment to allow work to be done and to clear  faults  downstream. This type of equipment is important because it is directly linked to the reliability of the  electricity supply. Typically, the switchgear in  substations  is located on both the high voltage and the low voltage side of large power  transformers. The switchgear on the low voltage side of the transformers may be located in a building, with medium-voltage circuit breakers for distribution circuits, along with metering, control, and protection equipment.For industrial applications, a  transformer  and switchgear line-up may be combined in one housing, called a unitized  substation  or USS. Types of circuit breakers: I. Oil Oil circuit breakers rely upon vaporization of some of the oil to blast a jet of oil through the arc. II. Gas Gas (SF6) circuit breakers sometimes stretch the arc using a magnetic field, and then rely upon the dielectric strength of the SF6  to quench the stretched arc. III. Vacuum Vacuum circuit breakers have minimal arcing (as there is nothing to ionize other than the contact material), so the arc quenches when it is stretched to a very small amount (

Case Analysis Essay - 885 Words

Case Analysis Background In early April, ABC Inc., needed to recruit several new hires. These new trainees needed to be ready to work by June 15. During this case study we will discuss the problems that the company and its workers had to confront. Carl Robins had been hired six months earlier as the campus recruiter. He had just graduated from a community college and was extremely excited to commence his work at ABC Inc. Carl was known as an industrious man, who had to work his way through to college. Coming from a low income family, Carl had to attend school and work full time to pay for his education. This was Carl’s big opportunity to begin his lifelong journey. Monica Carrolls had worked for ABC Inc., for more than 25 years as†¦show more content†¦Carl went for a walk to clear up his head and come up with a solution to the horror he was living. Analysis After going for a walk, Carl re-organized his task. He prioritized the tasks needed to get done sooner. The most important task was getting the new hires tested for drugs. Carl called a nearby clinic and scheduled the most available dates for testing. Fortunately he was able to schedule the new hires that were missing the drug test. Carl decided it was time to ask for help, he send an email to Monica letting her know about the situations. In that same email he included the barriers he come up with and what he was planning to do. Carl asked Monica if she could re-schedule the technology specialist department for the month of July instead of June. He also wrote that he needed help organizing the orientation manuals. As soon as Monica saw the email, she wanted answer. She scheduled a conference call with Carl and her boss Daniel Ross. The purpose of the meeting was to investigate why the material was not ready and the new hires application was not complete. Carl began the conversation by apologizing and informing them both of the situation. He provided a full description of what was missing. Carl also informed Monica and Daniel that he had schedule the drug test for the new trainees and that he was finishing the application process for all 15 new trainees. In addition toShow MoreRelatedCase Study : Case Analysis : Case Study2888 Words   |  12 PagesRunning head: CASE ANALYSIS 1 CASE ANALYSIS 9 Case Analysis (Author’s name) (Institutional Affiliation) Introduction The case is about Modrow Company, the subsidiary of Tri-American Corporation based in Canada. The branch has 1000 employees whose primary function is fabricating aluminum. The advantages of Modrow are its locationRead MoreImp Case Analysis739 Words   |  3 Pagesâ€Æ' 1. Would a TNA be needed in this situation? Why or why not? If yes, who would you want to talk to? Training Needs Analysis is a formal process required for the purpose of identifying the training gap that is in existence and its related training need. 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