E-commerce Strategy for Sport goods retailer Essay

E-commerce Strategy for Sport goods retailer - Essay Example Moreover, the plea and implementation of online shopping have been hampered by substandard Internet retail site design and purposes. While, historical patterns have not had adequate time to build up to forecast consumer shopping behavior (Asch, 2001). As Internet retail sales persist to enhance at a slower rate than expected, business practitioners and Internet practitioners alike are looking for the product kind that consumers will purchase from the Internet (Aspinwall, 2001). The preferences of customers for shopping on the Internet may be based on the product type, which will in turn affected the need to acquire the information of product easily and at reasonable price. Moreover, the motivations of the consumers' to purchase on the Internet may differ based on the features that Internet retailers provide online shopping such as website quality, product quality, service quality and product information. With respect to Internet business, the influence of website quality on purchase intentions and loyalty is based on a specific type of product. Describing the product classifications have a important impact on clients' choices for purchasing on the Internet, and the value they designate to the Internet retailers' characteristics. Even though it is always viewed as the kind of product b... These products will be available globally as the consumers may order online. The name of the website is Sports Unlimited. The buying decisions of the consumers are based on the products' descriptions like the image of the brand, dependability, accessibility and style of the company's service (Bakos, 1007). For example, the status and representation of an e-tailer may be presented in the product quality or representation of their brand. Sports Unlimited should recognize that buyers have different product type therefore Sports Unlimited should categorize its products through shopping goods and convenience. The price of the products can be secondary. Marketing Strategy Target Market Sports Unlimited is challenge of creating their target consumers based to their efforts to market their website (Bellenger and Korgaonkar, 1980). Since Sports Unlimited fully understands the responses of their consumers, this gives them a great advantage. As such, this online sports shop target market are the ones who spends a lot of time surfing the internet and does a lot of sports activities or they can be just simple sports fan like the NBA. The Four Ps of Marketing Product. The management of Sports Unlimited has initiated their product development approaches by marketing their present sports goods in a new market. Delivering these sports products globally and thereby grabbing some advance opportunities of expanding market penetration and market contribution (Bloch and Richins, 1983). By having their own website, Sports Unlimited had updated their models as sports good shop to offer the consumers what they need and what they desire, enhancing the sports shop's own-brand sports product which could be strategically

Mexican and Italian foods Essay Example for Free

Mexican and Italian foods Essay Many Mexican and Italian foods are very similar and still, the prepared dishes of each country have very distinct and bold flavors. Both countries use meats, grains, and produce that are grown locally to prepare their meals. However, Italian foods are regional and Mexican food is native to the whole country. Many of the spices for flavoring are the same, but they are used with a combination of different ingredients and the foods are prepared differently. Dishes from both countries often use sauces, but each country implements the use of their sauces differently to enhance the flavor of the final dish. If you enjoy cooking or eating, exploring the similarities and differences between Mexican and Italian foods will tempt anyone’s palate. The origin and influences of Mexican and Italian foods Authentic Mexican foods are native to the country and the Pueblo Indians. Corn was grown by the Pueblo’s and many Mexican recipes require corn based specialties such as tacos, enchiladas, tamales and quesadillas. Beans are also a staple food in the Mexican culture. Produce that is grown in the country like avocados, tomatoes and green and red peppers are also used in their recipes to add zest to their flavorful foods. The meat of choice that is used in many of their dishes is pork, but meat is rarely the focal point of the meal. It’s used more to add substance and flavor to the food. Authentic Italian foods vary by region. The Tuscan region uses local produced foods like produce, mellow cheeses, and game meats like boar, deer and rabbit. Beans are also a staple of that region. Rome is known for its hearty soups, lamb and pasta dishes. The main staples of Italy in more general terms are vegetables, grains, legumes and cheeses. The basic diet in Italy is called â€Å"la cucina povera† which mean â€Å"poor peoples food. † The spices and oils used in Mexican and Italian foods Mexican foods tend to be spicy. Many people confuse the spiciness with the sensation of heat. Cinnamon, saffron, cumin is some of the common spices used in Mexican dishes. Lard is used in traditional dishes like tamales. Actually a very small amount is used in frying their food. Lard is preferred and actually necessary to produce some of the authentic flavors known to Mexican food. Some of the common spices used in Italian dishes are saffron, cinnamon, nutmeg, rosemary and sage. Cinnamon is used in a lasagna dish made with cinnamon scented and sauteed chicken gizzards called Vircisgrassi. Olive oil is a staple in the cooking process and on the table. Central and Southern regions prefer a dark green olive oil which is once pressed while Northern regions prefer golden olive oil. Preparation and use of sauces in Mexican and Italian foods Mexican dishes are generally fried or oven baked. Meats are usually boiled and shredded since they are mostly used in dishes rather than as a stand alone meal. Sauces are often used in cooking, but rarely, is additional sauce added before serving. However, sometimes sauces are served on the side for dipping. The majority of Italian dishes are cooked on the stove top. Meats are usually grilled, wine braised or roasted. Italian dishes are known for their rich and thick sauces used in to top their pasta. Many people think of tomato based sauces when they think of Italian dishes, but in fact, many of the sauces are cream based. Mexican and Italian foods are very popular in the United States. American’s have adapted the recipes to their tastes. Recipes that have been adapted are referred to as Mexican-American or Italian-American cuisine not to be confused with authentic Mexican or Italian dishes. Ethnic foods such as these are popular in the diverse American culture. Works Cited Furfaro, Rosemary. Ethnic Cuisine: Italy. 2008. Sallys Place. 13 October 2008 http://www. sallys-place. com/food/cuisines/italy. htm. Peyton, James. Frequently Asked Questions About Mexican Cooking. 1999-2000. Mexican Food Cooking and Recipes. 13 October 2008 http://lomexicano. com/faq_mexican_food_cooking__recipes. htm.

the pearl :: essays research papers

Kino, Juana, and their infant son, Coyotito, live in a modest brush house by the sea. One morning, calamity strikes when a scorpion bites Coyotito. Hoping to protect their son, Kino and Juana rush him to town, to the doctor's. When they arrive at the gate, the doctor turns them away because they are poor natives who can't pay him enough. Later that same morning, Kino and Juana take their family canoe, an heirloom, out to the estuary to go diving for pearls. Juana makes a poultice for Coyotito's wound while Kino searches the sea bottom. Juana's prayers for a large pearl are answered when Kino surfaces with the largest pearl either of them has ever seen. Kino lets out a triumphant yell at his good fortune, prompting the surrounding boats to circle in and examine the treasure. In the afternoon, the whole neighborhood gathers at Kino's brush house to celebrate his find. Kino names a list of things that he will secure for his family with his newfound wealth, including a church wedding and an education for his son. The neighbors marvel at Kino's boldness, and wonder if he is foolish or wise to hold such ambitions. Toward evening, the local priest visits Kino to bless him in his good fortune and to remind him of his place within the church. Shortly thereafter, the doctor arrives, explaining that he was out in the morning but has come now to cure Coyotito. He administers a powdered capsule and promises to return in an hour. In the intervening period, Coyotito grows violently ill and Kino decides to bury the pearl under the floor in a corner of the brush house. After the doctor returns, he feeds Coyotito a potion to quiet the baby's spasms. When the doctor inquires about payment, Kino explains that soon he will sell his large pearl, and inadvertently glances toward the corner where he has hidden the pearl. This mention of the pearl greatly intrigues the doctor, and Kino is left with an uneasy feeling. Before going to bed, Kino re-buries the pearl under a stone in his fire hole. That night, he is roused by an intruder digging around in the corner. A violent struggle ensues, and Kino's efforts to chase away the criminal leave him bloodied. Terribly upset by this turn of events, Juana proposes that they abandon the pearl, which she considers an agent of evil. The next morning, Kino and Juana make their way to town to sell the pearl.

Human Growth Hormone Essay -- Drugs Health Science Essays

Human Growth Hormone Human growth hormone, a substance produced in the human body, is now being sold over the Internet. Companies are marketing the product as an anti-aging product. At the web-site, http://www.awakenhgh.com, the company claims that there is a possibility that one can "stop the aging process." On the home page, they claim that the product can reduce fat and cellulite, increase energy and muscle tone, elevate mood, improve sexual performance and sleep, remove wrinkles, balance cholesterol, re-grow and re-color hair, and more. The product is a dietary oral spray that they claim contains a product that is "identical to the growth hormone manufactured in the human body" and is designed for oral consumption. They also provide a brief history of human growth hormone and how medical professionals have used it to treat children with growing deficiencies to promote a normal pattern of development. Human growth hormone used to be available through cadavers only, so they claim an inexpensive, synthe tic form is a real breakthrough for the public. The company claims that the product burns fat by increasing one’s metabolism, and that it is the "most effective anti-obesity agent ever discovered." It also "selectively" reduces the waist, hips and thighs while increasing muscle mass. Most of the improvement claims that are made do not explain how the product will do what it is purported to do. The creators claim that the HGH product is produced in an FDA approved lab, but there is a disclaimer in small print at that says that the Food & Drug Administration has not evaluated the statements that "Awaken" makes about the products. They also claim that there have been no significant side effects in children and adults with g... ...effects on the body and the mind, and without the additional cost of an unapproved supplement. Many more studies on HGH need to be done in order to learn more about the side effects and whether or not additional hormone had any positive effects on healthy individuals. The claims that are made on the internet are enticing and may possibly have medical research to back them up in some cases, but there has not been enough research done to sell this product to healthy individuals without unbiased scientific information. Works Cited Anti-aging Hormones. Harvard Womens Health Watch, 6 (8), 2-3. 1999. Inzucchi, S. (1997). Growth Hormone in Adults: Indications and Implications. Hospital Practice, 32 (1), 79-86, 90-91, 95-96. Morley, J. (1999). Growth Hormone: Fountain of Youth or Death Hormone? Journal of the American Geriatric Society, 47 (12), 1475-76. Human Growth Hormone Essay -- Drugs Health Science Essays Human Growth Hormone Human growth hormone, a substance produced in the human body, is now being sold over the Internet. Companies are marketing the product as an anti-aging product. At the web-site, http://www.awakenhgh.com, the company claims that there is a possibility that one can "stop the aging process." On the home page, they claim that the product can reduce fat and cellulite, increase energy and muscle tone, elevate mood, improve sexual performance and sleep, remove wrinkles, balance cholesterol, re-grow and re-color hair, and more. The product is a dietary oral spray that they claim contains a product that is "identical to the growth hormone manufactured in the human body" and is designed for oral consumption. They also provide a brief history of human growth hormone and how medical professionals have used it to treat children with growing deficiencies to promote a normal pattern of development. Human growth hormone used to be available through cadavers only, so they claim an inexpensive, synthe tic form is a real breakthrough for the public. The company claims that the product burns fat by increasing one’s metabolism, and that it is the "most effective anti-obesity agent ever discovered." It also "selectively" reduces the waist, hips and thighs while increasing muscle mass. Most of the improvement claims that are made do not explain how the product will do what it is purported to do. The creators claim that the HGH product is produced in an FDA approved lab, but there is a disclaimer in small print at that says that the Food & Drug Administration has not evaluated the statements that "Awaken" makes about the products. They also claim that there have been no significant side effects in children and adults with g... ...effects on the body and the mind, and without the additional cost of an unapproved supplement. Many more studies on HGH need to be done in order to learn more about the side effects and whether or not additional hormone had any positive effects on healthy individuals. The claims that are made on the internet are enticing and may possibly have medical research to back them up in some cases, but there has not been enough research done to sell this product to healthy individuals without unbiased scientific information. Works Cited Anti-aging Hormones. Harvard Womens Health Watch, 6 (8), 2-3. 1999. Inzucchi, S. (1997). Growth Hormone in Adults: Indications and Implications. Hospital Practice, 32 (1), 79-86, 90-91, 95-96. Morley, J. (1999). Growth Hormone: Fountain of Youth or Death Hormone? Journal of the American Geriatric Society, 47 (12), 1475-76.

Kingdom of Life Essay

The Kingdom of Monera is the smallest in size in the biological world but are the most in terms of numbers. They can be found almost everywhere on earth. Monerans are the only kingdom of the prokaryotic type, organisms that lack a nucleus. The most common of this kind is the bacteria, which most people know are harmful for it causes illnesses and some degrees of food poisoning. The division of a single bacterium into two similar daughter cells constitutes the bacterial growth. This process is called binary fission which in turn promotes its population to grow exponentially. Bacteria are said to be the first inhabitants of Earth. Protozoa, fungus-like protists and the algae are the major categories under the kingdom of Protista. Members are categorized as colonial, unicellular or multi-cellular. Organisms under this kingdom are all eukaryotic, meaning they all have a true nucleus. Most undergo mitosis for their growth while some by meiosis and fertilization for their reproduction process. All organisms live in a water-based environment. Network forming which is called mycelia is the common process in which members of the kingdom of fungi grow. Fungi cause diseases in plant like smuts and rusts, while severe damage are from stem root and leaf rots. Most common in humans are athlete’s foot and ringworm among others. Animal diseases are very hard to treat because of its genetic and chemical similarity to fungi. Harmful as they may seem, some fungi members play significant roles in the ecological system. Some plants can’t grow without fungi. Breakthroughs in medicine are synthesized from fungi while others are used for food. The environment can not take form without plants. Humans can’t live without them. That is how important the kingdom of plantae is to our planet and to our lives. Said to lived 360 million years ago, plants vary in sizes, from very small kind to tall huge trees. Plants reproduce asexually and grow with the help of external factors. They are the only living organisms that are able to produce their own food through photosynthesis. Members of the kingdom Animalia are all heterotrophs. Animals, for their sustenance and survival, depends on other organisms around them. All organisms of the kingdom are eukaryotic and multicellular. Animals reproduce sexually through their special cells which when united form the zygotes that later grow into a new individual. The first recorded phyla of this kingdom was a marine specie some 542 million years ago. References: Windows Team, (1998, December 17). Windows to the Universe.    Retrieved, September 27, 2008 from, http://www.windows.ucar.edu/tour/link=/life/monera.html Carter, Stein J., (2004, November 3). SC Links.    Retrieved, September 27, 2008 from, http://biology.clc.uc.edu/courses/bio106/protista.htm   

Biography of Idi Amin, Brutal Dictator of Uganda

Biography of Idi Amin, Brutal Dictator of Uganda Idi Amin (c. 1923–August 16, 2003), who became known as the Butcher of Uganda for his brutal, despotic rule as the President of Uganda in the 1970s, is perhaps the most notorious of Africas post-independence dictators. Amin seized power in a military coup in 1971, ruled over Uganda for eight years, and imprisoned or killed at least 100,000 of his opponents. He was ousted in 1979 by Ugandan nationalists, after which he went into exile. Fast Facts: Idi Amin Known For: Amin was a dictator who served as the president of Uganda from 1971 to 1979.Also Known As: Idi Amin Dada Oumee, The Butcher of UgandaBorn: c. 1923 in Koboko, UgandaParents: Andreas Nyabire and Assa AatteDied: August 16, 2003 in Jeddah, Saudi ArabiaSpouse(s): Malyamu, Kay, Nora, Madina, Sarah KyolabaChildren: Unknown (estimates range from 32 to 54) Early Life Idi Amin Dada Oumee was born around 1923 near Koboko, in the West Nile Province of what is now the Republic of Uganda. Deserted by his father at an early age, he was brought up by his mother, an herbalist and diviner. Amin was a member of the Kakwa ethnic group, a small Islamic tribe that had settled in the region. Success in the Kings African Rifles Amin received little formal education. In 1946, he joined Britains colonial African troops known as the Kings African Rifles (KAR) and served in Burma, Somalia, Kenya (during the British suppression of the Mau Mau), and Uganda. Although he was considered a skilled soldier, Amin developed a reputation for cruelty and was almost cashiered on several occasions for excessive brutality during interrogations. Nevertheless, he rose through the ranks, reaching sergeant major before finally being made an effendi, the highest rank possible for a black African serving in the British army. Amin was also an accomplished athlete, holding Ugandas light heavyweight boxing championship title from 1951 to 1960. A Violent Start As Uganda approached independence, Amins close colleague  Apollo Milton Obote, the leader of the Uganda Peoples Congress (UPC), was made chief minister and then prime minister. Obote had Amin, one of only two high-ranking Africans in the KAR, appointed as first lieutenant of the Ugandan Army. Sent north to quell cattle stealing, Amin perpetrated such atrocities that the British government demanded he be prosecuted. Instead, Obote arranged for him to receive further military training in the U.K. Soldier for the State On his return to Uganda in 1964, Amin was promoted to major and given the task of dealing with an army in mutiny. His success led to a further promotion to colonel. In 1965, Obote and Amin were implicated in a deal to smuggle gold, coffee, and ivory out of the Democratic Republic of the Congo. A parliamentary investigation demanded by President Edward Mutebi Mutesa II put Obote on the defensive. Obote promoted Amin to general and made him chief-of-staff, had five ministers arrested, suspended the 1962 constitution, and declared himself president. Mutesa was forced into exile in 1966 after government forces, under the command of Amin, stormed the royal palace. Coup dEtat Idi Amin began to strengthen his position within the Army using the funds obtained from smuggling and from supplying arms to rebels in southern Sudan. He also developed ties with British and Israeli agents in the country. President Obote first responded by putting Amin under house arrest. When this failed to work, Amin was sidelined to a non-executive position in the Army. On January 25, 1971, while Obote was attending a meeting in Singapore, Amin led a coup detat, taking control of the country and declaring himself president. Popular history recalls Amins declared title to be His Excellency President for Life, Field Marshal Al Hadji Doctor Idi Amin, VC, DSO, MC, Lord of All the Beasts of the Earth and Fishes of the Sea, and Conqueror of the British Empire in Africa in General and Uganda in Particular. Amin was initially welcomed both within Uganda and by the international community. President Mutesa- fondly known as King Freddie- had died in exile in 1969, and one of Amins earliest acts was to have the body returned to Uganda for a state burial. Political prisoners (many of whom were Amin followers) were freed and the Ugandan Secret Police was disbanded. At the same time, however, Amin formed killer squads to hunt down Obotes supporters. Ethnic Purging Obote  took refuge in Tanzania, from where, in 1972, he attempted unsuccessfully to regain the country through a military coup. Obote supporters within the Ugandan Army, predominantly from the Acholi and Lango ethnic groups, were also involved in the coup. Amin responded by bombing Tanzanian  towns  and purging the Army of Acholi and Lango officers. The ethnic violence grew to include the whole of the Army, and then Ugandan civilians, as Amin became increasingly paranoid. The Nile Mansions Hotel in Kampala became infamous as Amins interrogation and torture center, and Amin is said to have moved residences regularly to avoid assassination attempts. His killer squads, under the official titles of State Research Bureau and Public Safety  Unit,  were responsible for tens of thousands of abductions and murders. Amin personally ordered the execution of the Anglican Archbishop of Uganda, the chancellor of Makerere College, the governor of the Bank of Uganda, and several of his own parliamentary ministers. Economic War In 1972, Amin declared economic war on Ugandas Asian population, a group that dominated Ugandas trade and manufacturing sectors as well as a significant portion of the civil service. Seventy thousand Asian holders of British passports were given three months to leave the country, and the abandoned businesses were handed over to Amins supporters. Amin severed diplomatic ties with Britain and nationalized 85 British-owned businesses. He also expelled Israeli military advisors, turning instead to Colonel Muammar Muhammad al-Gadhafi of Libya and the Soviet Union for support. Leadership Amin was considered by many to be a gregarious, charismatic leader, and he was often portrayed by the international press as a popular figure. In 1975, he was elected chair of the Organisation of African Unity (though  Julius Kambarage Nyerere, president of Tanzania, Kenneth David  Kaunda,  president of Zambia, and  Seretse Khama, president of Botswana, boycotted the meeting). A  United Nations  condemnation was blocked by African heads of state. Hypomania Popular legend claims that Amin was involved in blood rituals and cannibalism. More authoritative sources suggest he may have suffered from hypomania, a form of manic depression characterized by irrational behavior and emotional outbursts. As his paranoia became more pronounced, Amin imported troops from Sudan and Zaire. Eventually, less than 25 percent of the Army was Ugandan. Support for his regime faltered as accounts of Amins atrocities reached the international press. The Ugandan economy suffered, with inflation eclipsing 1,000%. Exile In October 1978, with the assistance of Libyan troops, Amin attempted to annex Kagera, the northern province of Tanzania (which shares a border with Uganda). Tanzanian president  Julius Nyerere responded by sending troops into Uganda, and with the aid of rebel Ugandan forces they were able to capture the Ugandan capital of Kampala. Amin fled to Libya, where he stayed for almost 10 years before finally relocating to Saudi Arabia. He remained there in exile for the remainder of his life. Death On August 16, 2003, Amin died in Jeddah, Saudi Arabia. The cause of death was reported as multiple organ failure. Although the Ugandan government announced that his body could be buried in Uganda, he was quickly buried in Saudi Arabia. Amin was never tried for his gross abuse of  human rights. Legacy Amins brutal reign has been the subject of numerous books, documentaries, and dramatic films, including Ghosts of Kampala, The Last King of Scotland, and General Idi Amin Dada: A Self Portrait. Often depicted in his time as an eccentric buffoon with delusions of grandeur, Amin is now considered one of historys cruelest dictators. Historians believe his regime was responsible for at least 100,000 deaths and possibly many more. Sources â€Å"Idi Amin, a Brutal Dictator Of Uganda, Is Dead at 80.† The New York Times, 16 Aug. 2003.Wall, Kim. â€Å"Ghost Stories: Idi Amins Torture Chambers.† IWMF, 27 Dec. 2016.

Free Essays on Puritan Views

Savage Beasts: The Puritan View of Indians Puritan society evolved from a Protestant religious and social movement rising primarily in England during the Protestant Reformation in the early 1600’s. During this reformation Puritan settlers set out towards the new found land of America in hopes of attaining religious freedom from the persecution of the Church of England. Although this promising land of America was full of golden opportunity, the Puritans were bound for hardships such as sickness and death, not to mention having to encounter the savages already inhabiting this land. Puritans viewed these people as wild animals and disagreed with their way of life. When the Puritans set out for their new freedom, they were very skeptical about the land they were traveling to. Even though it was a great environment to begin their new lives and full of resources, the Puritans were doubtful of how they would survive. According to William Bradford, America was â€Å"devoid of all civil in habitants,† and only brutish beasts existed there (168). The Puritans feared the sickness and disease that came with adjusting to a new place, but feared even more what would become of them should they survive those things. They worried and felt that the Native Americans, who in Bradford’s opinion were, â€Å"cruel, barbarous and most treacherous,† would always threaten them (169). He along with others thought that they were â€Å"furious in their rage and merciless where they overcome; not being content only to kill and take way life, but delighted to torment men in the most bloody manner that may be; flaying some alive with the shells of fishes, cutting off the members and joints of others by piecemeal and broiling on the coals, and eating the collops of their flesh in their sight whilst they live† (Bradford 169). Such inhumane acts were so very different from the way of the Puritans. Puritans believed in humanity and goodness. The Puritans fe... Free Essays on Puritan Views Free Essays on Puritan Views Savage Beasts: The Puritan View of Indians Puritan society evolved from a Protestant religious and social movement rising primarily in England during the Protestant Reformation in the early 1600’s. During this reformation Puritan settlers set out towards the new found land of America in hopes of attaining religious freedom from the persecution of the Church of England. Although this promising land of America was full of golden opportunity, the Puritans were bound for hardships such as sickness and death, not to mention having to encounter the savages already inhabiting this land. Puritans viewed these people as wild animals and disagreed with their way of life. When the Puritans set out for their new freedom, they were very skeptical about the land they were traveling to. Even though it was a great environment to begin their new lives and full of resources, the Puritans were doubtful of how they would survive. According to William Bradford, America was â€Å"devoid of all civil in habitants,† and only brutish beasts existed there (168). The Puritans feared the sickness and disease that came with adjusting to a new place, but feared even more what would become of them should they survive those things. They worried and felt that the Native Americans, who in Bradford’s opinion were, â€Å"cruel, barbarous and most treacherous,† would always threaten them (169). He along with others thought that they were â€Å"furious in their rage and merciless where they overcome; not being content only to kill and take way life, but delighted to torment men in the most bloody manner that may be; flaying some alive with the shells of fishes, cutting off the members and joints of others by piecemeal and broiling on the coals, and eating the collops of their flesh in their sight whilst they live† (Bradford 169). Such inhumane acts were so very different from the way of the Puritans. Puritans believed in humanity and goodness. The Puritans fe...

The Day That Changed America essays

The Day That Changed America essays September 11th Two thousand one. Lives were lost, freedom was challenged, and two symbols of liberty were left in ruins. On this very quiet morning of this horrible day, the United States of America was caught off guard. This was the day that changed us all forever. This caused millions of Americans to stop and realize that we were not invincible like we had been trained to think. This was the very day that I realized that there are more important things than what I want. When I first heard that this had happened, I was eating lunch outside. It was my friend that had told me what had happened. And of course not realizing the situation... I went on with lunch laughing and telling jokes as usual. It was little after that I was in for a pretty awful surprise. When I walked into my third period class, I had seen the pentagon burning on one half of the T.V screen and the World Trade Centers which had fallen by this point, in ruins. My stomach had turned inside our and I had a very awful feeling. By fourth period, I was very scared about what else these dirty, evil people were capable of, and being so close to White Sands Missile Range, and knowing that my dad was a State Police officer, I knew that if something ever happened like that, he would be one of the first ones there because thats the kind of man he is. And with that in my head I felt nothing but worry and sorrow for the children whose fathers were lost trying to save others. Till this very day, I still have very deep feelings for those people and I really do wish them the best in life. I could imagine what they have been through but I do know how it feels when your freedom is challenged. And I hope I never have to feel it again. Everybody who put their life on the line that day is considered a hero in my heart and I ...

Three Heros, A Similar Journey Essay Example | Topics and Well Written Essays - 1250 words

Three Heros, A Similar Journey - Essay Example The work The Odyssey unveils the adventurous life of Odysseus the hero, and his journey towards homeland. Thesis statement: The research on different journeys of the heroes in Beowulf, Gilgamesh, and The Odyssey prove that their journeys are similar in some way or other (special references to Beowulf, Gilgamesh and Odysseus). Comparison: Beowulf, Gilgamesh and Odysseus The comparison is based on four factors: similarities, problems, gain and effect of the journeys conducted/ undertaken by Beowulf, Gilgamesh and Odysseus. A. Similarities shared by their journeys In his adventurous journey, Beowulf primarily aims to defeat three of his enemies. His status at Geatland as a hero encourages him to help Hrothgar (a Danish king), to defeat and kill a beast and its mother (Grendel and his mother). In the work Beowulf: a new verse translation, a translation by R. M. Liuzza, Hrothgar points out about Beowulf that â€Å"he has thirty men’s strength, strong in battle, in his handgripâ₠¬  (65). Later, he undertakes another adventurous journey to kill an unnamed dragon at Earnanaes in Geatland. On the other side, Gilgamesh’s adventurous journey is similar to Beowulf’s journey. For instance, his journey to the Cedar Mountain, with his companion Enkidu, was to accomplish their dangerous task of defeating Humbaba. This journey and victory encourages them to undertake another adventurous task to kill the Bull of Heaven. One can easily identify that adventure is the motivation for Beowulf and Gilgamesh. The epic poem The Odyssey mainly focuses upon the adventurous life of Odysseus, the hero. The epic poem unveils Odysseus’s homeward journey after participating in the Trojan War. One can easily identify that Odysseus’s adventurous journey is similar to the other two adventurous journeys because his aim was to lead an adventurous life away from his homeland. Like Beowulf and Gilgamesh, Odysseus is not attracted by a peaceful life in his homela nd with his wife Penelope and his son Telemachus. In short, the similarities shared by the journeys of Beowulf Gilgamesh and Odysseus include their noble aim and unending passion towards adventurous life. Besides, they were heroes at their homelands and were brave enough to fight with supernatural forces. B. The problems they did encounter during their journeys The problems encountered by Beowulf during his first journey include the fight with Grendel and his mother. As pointed out earlier, Beowulf’s status as a hero encouraged him to undertake this dangerous journey and to fight with supernatural elements. This proves that Beowulf was ready to face problems in his life and to help others. Later, Beowulf became the king of Geatland. When a dragon began to attack his people, he decided to fight with it and to kill it. During the battle, Beowulf was severely injured and it resulted in his death in the end. One can easily identify that the natural obstacle faced by Beowulf inclu de the rocky dwelling place of the Dragon and the cave in which Grendel’s mother used to live in. On the other side, the problems faced by Gilgamesh include the fight with Humbaba and a supernatural element, namely the Bull of Heaven. But his companion Enkidu helped him to overcome the problems during their journeys. In the work The epic of Gilgamesh, translated by Maureen Gallery Kovacs, Gilgamesh is described as â€Å"There is on one stronger than he†

Comparing Byzantine and Ottoman Empires Essay Example | Topics and Well Written Essays - 1500 words

Comparing Byzantine and Ottoman Empires - Essay Example Comparison between the Byzantine and Ottoman economies Ottoman economy Economic history of the Ottoman Empire can be traced back for the period 1299-1923. The first phase of the economic history is referred as the classic era, which is known for it vast enlargement. Much of the activities that highly contributed to this growth include agriculture. The second period is referred as the reformation era. Its main focus was on state organized reforms, which begun with administrative and political realignment. This was followed by military reforms and their associates. It is believed that the military reforms were viewed as the key source of wealth. On the other hand, agriculture was considered to be more important than manufacture and commerce. Although the Ottomans continued with the trajectory of territorial expansion, conserving their land and agriculture, as well as sticking to their traditional monopolies was prioritized. By 1800, the population started to grow. Population densities were higher in several areas of the European provinces than those in Anatolia. In 1700-1922, urbanization increased due to developments in railroads. At this period, there were improvements in health and sanitation. This is also the period that saw economic and political migrations, which are argued to have made great impact across the empire.1 Improvements in land and sea transport were also another factor that facilitated economic growth across the empire. However, the situation is argued to have been better in the 16th century than in the 18th century in terms of infrastructure development. Nevertheless, in the 19th century, the empire experienced enormous economic growth mainly due to increased agricultural production. However, after a short period, the situation started to deteriorate due to scarcity of labor. In addition, although the land was rich, there was a problem with large scale farming due to lack of capital. In fact, majority of the people earned their living from sma ll scale farming. This led to low levels of taxes for the empire.2 Byzantime economy In the whole of Mediterranean, Byzantime economy was the most stunning for many centuries. Constantinople was the major center in for trading. However, trading network extended to other areas almost reaching Eurasia and North Africa.3 Until to the arrival of Arabs in the 17th century, the empire is argued to have been the most powerful economy across the world. In the 12th century, the empire was filled with luxury life, something that led to many visitors being impressed by the lifestyle. Comparison between the Byzantine and Ottoman religions Ottoman religion Between 14th and 19th centuries, the Ottoman Empire was tolerant towards Christians and Jews. The Ottoman religion formulated policies that sort out religious problems. It recognized the concept of clergy and its entire link with religion institution.4 In the past, Christian missionaries were seen to work together with colonialists. At the sam e time, Islam was not controlled in spreading at different areas under controlled by Ottoman Sultan. In fact, voluntary conversion to Islam was endorsed by the Ottoman authorities. In addition, there were no special rules regarding Christians that converted to Muslims. The empire had also the Muslim courts and non muslin courts. Byzantine religion Byzantine Empire is also referred to as Roman

Analytical Summaries Essay Example | Topics and Well Written Essays - 1000 words

Analytical Summaries - Essay Example However, author Carey, reduces the intensity of his convincing the readers. The author admits that playing a violent video game may not the exclusive reason for the violent crimes. Other factors may have triggered the violent game players to commit felonies and possibly heinous crimes. It just happened that the youth criminals were violent video game enthusiasts. In some areas, statistics show that an increase in the sale of violent video games showed a decline in the actual crime statistics. To avoid committing crimes, the youth vented their anger or grievances on the video game characters, not on real persons. Author Carey uses several evidences to convincingly support his proposed assertions. Initially, the author uses actual examples to bring his point. The Columbine High School students are purported to act out the fantasy video games’ shooting scenes within the school premises, killing several students and adults. The video gamer acted out the fantasy shooting scenes by killing the Aurora, Colorado Movie audiences. Next, author Carey uses the findings of social research scientists to persuade the readers. One research affirms violent video games can stir up influentially mild aggressive behavior immediately after playing the games. However, the hostile urges are classified as short term consequences of violent video games. The scientists’ researches validly show shooting video games bring out avoidable hostile personalities among the gamers. Finally, author Carey discusses an experiment to convince the skeptics. The experiment focuses on 47 student respondents. They play Mortal Kombat for an estimated 14 minutes. Compared to the non-gamers, the findings proved the students playing the video game were more hostile. However, author Carey insists that the above discussion is not conclusive. Other factors may contribute or aggravate the youths’ engaging in crimes or

Inflation and Deflation in the Czech Republic since 1998 Essay

Inflation and Deflation in the Czech Republic since 1998 - Essay Example Czechoslovak was famous for export industries, especially automotive ones then. But the major policy change stopped the export growth of the state. Even though the following governments tried some measures to keep economy strong, nothing could help. The Communist Regime allowed only state owned enterprises and state lead economic planning. It relied more on artificial pricing of commodities. No political, cultural or economic liberalization was allowed. Year after year the situation became worse only and it led to a total tragedy within a few decades. By 1980s, Czechoslovakia started facing deep crisis and people started protesting. In the initial days the protests were not so strong and the Government tried to suppress it. But it was not possible. Protests gathered momentum and by 1989 the Communist Government resigned. It was followed by democratic election which was the beginning of a new era as far as the history of Czechoslovakia is concerned. The major policy change in USSR allowing liberalization at to a limited extent and the weakening of power of Communists in neighboring states like East Germany and Poland also influenced the developments which led to the situation of Communists loosing power in Czechoslovakia. In the elections conducted in 1990, Vclav Havel got elected as President. The new Government formed under his leadership decided anyway to march away from the track of Communism. Policy was framed to strengthen economy following the footsteps of the already developed economies. Free market and privatization were introduced in the state for the first time. This change could create some positive signs in economy. Both Czech and Slovakia got independent prime ministers according to federal structure and later they decided to part and remain two separate independent states. Thus on 1993 January First Czech became a sovereign republic. Soon the state started making remarkable growth in its economy. But unfortunately good days didn't last long. By 1997 Prime Minister was ousted from power and this political stability along with other issues took the state to a deep economic crisis. The speculative attack on Koruna in May 1997 stopped the growth signs of economy. This made the Czech econom y 'stagflant' which led to major issues like loss of employment, lesser production, acceleration of deflation, etc. But the political leadership continued the attempt to lead the state to prosperity. They made a shift in the nature of foreign trading. More concentration was put in trade with the Western countries whereas it was towards the East earlier. For creating enough fund for various activities, Czech relied on international funding agencies. They could successfully manage to get both grants and loans from institutions like World Ban, International Monetary Fund, European Bank for Reconstruction and Development, the European Investment Bank, etc. External debt in 1999 was about 24.3 billion Dollars. Since major share of this loan amount was used for nothing but building up the nation's economy itself, indirectly the loan burden was supporting the prosperity of the state. The fact that Czech could repay some loans before schedule makes it undoubtedly clear that the policy change was going in the right direction. In 1999 inflation was very less, average rate being 2.1 % only. The significant fall in inflation cannot be seen just as the after effect of internal policies or situation alone. The deflation in other

Risk Identification Essay Example | Topics and Well Written Essays - 1000 words

Risk Identification - Essay Example For anything to qualify as an art, it is essential that an element of subjectivity lies therein. Subjectivity hitherto refers to lack of objective and empirical explanation for the factors that might be involved in the undertaking. These do tend to be absent from the dynamic identification of risk at certain junctures. Here comes the viewpoint of considering it as underdeveloped. The fact of the matter is, that classifying the true potential of a subjective quantity is never really possible - hence making risk identification an essentially underdeveloped art. It may not be taken as a negative feature, but rather as inherent trait. It is partially developed in the context that certain integral features of the process of risk management have been actualized, and can be subsequently applied to any school of thought wanting to get a risk identification for itself. However, it is reasonably underdeveloped in the context of protective and speculative abilities. After all, the primary purpose of risk identification is to rid oneself off it and possibly avoid a remission of the same. However, the complex dynamics of every operating system, man or machine, makes it a magnanimous task to recognize all possible risks. Wikipedia explains the process of risk identification, "... It is partially developed in the context that certain integral features of the process of risk management have been actualized, and can be subsequently applied to any school of thought wanting to get a risk identification for itself. However, it is reasonably underdeveloped in the context of protective and speculative abilities. After all, the primary purpose of risk identification is to rid oneself off it and possibly avoid a remission of the same. However, the complex dynamics of every operating system, man or machine, makes it a magnanimous task to recognize all possible risks. Risk Identification - Domain Wikipedia explains the process of risk identification, "After establishing the context, the next step in the process of managing risk is to identify potential risks. Risks are about events that, when triggered, will cause problems. Hence, risk identification can start with the source of problems, or with the problem itself." This explains the rationale of how things are taken, and hopefully, preempted. After this, it is desirable for the analysis of the risk to be taken. These can be further of two types: 1. "Source analysis Risk sources may be internal or external to the system that is the target of risk management. Examples of risk sources are: stakeholders of a project, employees of a company or the weather over an airport. 2. "Problem analysis Risks are related to fear. For example: the fear of losing money, the fear of abuse of privacy information or the fear of accidents and casualties. The fear may exist with various entities, most important with shareholder, customers and legislative bodies such as the government" (Wikipedia). Risk Identification - Methods Risk identification factors can be multifaceted in their origin. "The chosen method of

Inflation and Deflation in the Czech Republic since 1998 Essay

Inflation and Deflation in the Czech Republic since 1998 - Essay Example Czechoslovak was famous for export industries, especially automotive ones then. But the major policy change stopped the export growth of the state. Even though the following governments tried some measures to keep economy strong, nothing could help. The Communist Regime allowed only state owned enterprises and state lead economic planning. It relied more on artificial pricing of commodities. No political, cultural or economic liberalization was allowed. Year after year the situation became worse only and it led to a total tragedy within a few decades. By 1980s, Czechoslovakia started facing deep crisis and people started protesting. In the initial days the protests were not so strong and the Government tried to suppress it. But it was not possible. Protests gathered momentum and by 1989 the Communist Government resigned. It was followed by democratic election which was the beginning of a new era as far as the history of Czechoslovakia is concerned. The major policy change in USSR allowing liberalization at to a limited extent and the weakening of power of Communists in neighboring states like East Germany and Poland also influenced the developments which led to the situation of Communists loosing power in Czechoslovakia. In the elections conducted in 1990, Vclav Havel got elected as President. The new Government formed under his leadership decided anyway to march away from the track of Communism. Policy was framed to strengthen economy following the footsteps of the already developed economies. Free market and privatization were introduced in the state for the first time. This change could create some positive signs in economy. Both Czech and Slovakia got independent prime ministers according to federal structure and later they decided to part and remain two separate independent states. Thus on 1993 January First Czech became a sovereign republic. Soon the state started making remarkable growth in its economy. But unfortunately good days didn't last long. By 1997 Prime Minister was ousted from power and this political stability along with other issues took the state to a deep economic crisis. The speculative attack on Koruna in May 1997 stopped the growth signs of economy. This made the Czech econom y 'stagflant' which led to major issues like loss of employment, lesser production, acceleration of deflation, etc. But the political leadership continued the attempt to lead the state to prosperity. They made a shift in the nature of foreign trading. More concentration was put in trade with the Western countries whereas it was towards the East earlier. For creating enough fund for various activities, Czech relied on international funding agencies. They could successfully manage to get both grants and loans from institutions like World Ban, International Monetary Fund, European Bank for Reconstruction and Development, the European Investment Bank, etc. External debt in 1999 was about 24.3 billion Dollars. Since major share of this loan amount was used for nothing but building up the nation's economy itself, indirectly the loan burden was supporting the prosperity of the state. The fact that Czech could repay some loans before schedule makes it undoubtedly clear that the policy change was going in the right direction. In 1999 inflation was very less, average rate being 2.1 % only. The significant fall in inflation cannot be seen just as the after effect of internal policies or situation alone. The deflation in other

Health care marketing Essay Example | Topics and Well Written Essays - 250 words - 15

Health care marketing - Essay Example Usually, new businesses that are establishing are more seriously concerned about customers’ satisfaction and actually tend to modify their services to enhance the customers’ experiences, but old companies generally take these surveys just for research and development purposes. It is absolutely true that when an organization responds to the crisis immediately, it manages to set a positive impression on the stakeholders and the public before the bad publicity can have a chance. In every situation of crisis, people want to know what the organization has to say about why the crisis happened and what measures is it taking to reduce its negative implications on the environment and on the society at large. Crisis management and control is essentially an art. It takes right things to be said at the right times to convince the stakeholders that the organization is loyal to them. It is more useful for an organization to say the right things at any time than saying wrong things immediately after crisis, like placing blame on others rather than taking

The Advantages of Bilingual Education in School Essay Example for Free

The Advantages of Bilingual Education in School Essay Languages are ot only a method of expressing opinions but also a source of information about otherwise unknown societies and cultures. Bilingual languages provide individuals with diversified communication skills thereby enhancing their abilities to communicate and understand words than our family language. As example, in Malaysias schools, students are study English language as their bilingual language. This show that bilingual education is very important for our future. Therefore, what are the benefits of bilingual education in school? The advantages of bilingual ducation in school are we have high opportunities to new Job markets, more choices in resources of studying and easier to learn additional languages. A person who speaks two languages is worth two person, said my bilingual language teacher. This is because that person is have an ability to speak to non-native person and be able to read some information on the newspapers in other language than their family language. Therefore, the advantages of having these kind of abilities, we have high opportunities to new Job markets due to the need to a person who is knowledgeable n bilingual language. People with bilingual language skills are considered an asset to an organization. It helps better understanding because it gives individuals a broader view. According to Argumentative Essay Examples, 28 September 2011 by Jmssilverstone, Since Spanish widely spoken and understood in various part of the United States especially here in New Mexico, learning Spanish would support the students to widen their social circles and lead to more social interaction. This show that learning in bilingual education gives us a lot of benefits and easy to involve in ny works in our industries. Therefore, bilingual education in school give us high opportunities to new Job markets. In conclusion, the implementation of bilingual education in school should be take continuously in each countries because it has various golden advantages such as have high opportunities to new Job markets, more choices in resources of studying and easier to learn additional languages. I hope that everyone will enjoy to study in the bilingual education system in their schools so that they can have these benefits.

How has psychological well being been measured

How has psychological well being been measured Psychological well-being is an important concern for individuals, communities, and health services throughout the world, not only because of the costs associated with psychological ill-health, but also the loss of quality of life for those affected by and their relatives (Nilsson K W, Leppert J, Simonsson Bo, Starrin B., 2008). Kellam et al., (1975) believe that mental health is broadly perceived to consist of two conceptually independent dimensions. One dimension is the principal component of the traditional psychiatric view of mental health, which is known as psychological well-being, and the other is called social adaptational status (SAS). This dimension provides a societal view of the capability of the role functioning of the individual (Petersen A.C, and Kellam S.G., 1977). Psychological well-being focuses on the individuals feelings and other features of psychological functioning. Self-reports are a primary means of measuring this dimension for individuals who are able to evaluate their own psychological well-being. Many scholars have utilized the term psychological well-being for various aspects of mental health or psychological functioning. A number of researchers have also measured concepts related to our conception of psychological well-being, but have named them differently. Especially recently, scholars have frequently used psychological well-being to describe subjective self-reports about the quality of life (Bradburn and Caplovitz, 1965; Campbell et al., 1976 cited in Petersen et al., 1977). Petersen A.C, and et al., (1977) defined it as an internal, individual view of mental health. In the same line, Peteson et al., (1977) declared that psychological well-being is a multidimensional concept which consists of various aspects of psychopathology, self-esteem and other positive aspects of self. Although it may not be possible to define what Mental Health precisely is (Public Health Institute of Scotland 2003), but it seems necessary to realize the main factors which form a persons mental health or mental well-being. Mental health is generally described as, the ability to develop psychologically, socially, emotionally, intellectually and spiritually as well as the ability to, initiate, develop and sustain mutually satisfying relationships, use and enjoy solitude, become aware of others and empathise with them, play and learn, develop a sense of right and wrong and to face and resolve problems and setbacks satisfactorily and learn from them (Edwards 2003). Moreover, the measurement of health outcomes is essential to the development of health services (Hopton J L, Hunt S M, Shiels Ch, and Smith C. (1995). The Scales of Psychological Well-Being measure (SPWB) (Ryff, 1989) includes 84 items rated from 1 strongly disagree to 6 strongly agree. The SPWB consists of six subscales with 14 items in each. These are: (a) self-acceptance, (b) positive relations with others, (c) autonomy, (d) environmental mastery, (e) purpose in life, and (f) personal growth. Ryff has demonstrated the SPWB as a reliable and valid measure of well-being (1989b; Ryff Keyes, 1995). Cronbachs alpha for the 20-item scale ranged from .86 to .93 and there was excellent test-retest reliability over a six-week period (R: range from .81 to .88). The generic 22-item Psychological General Well-being Index (PGWB) has shown to be the most commonly employed questionnaire to assess psychological well-being in adult with a problem such as growth hormone deficiency (GHD) (Dupuy HJ, 1984). This questionnaire consists of six subscales (Anxiety, Depression, General Health, Positive Well-being, Self-control and Vitality), and a Total score. Yet, General Well-being Index (GWBI) is another generally used scale which is employed in problematic situation. This scale is known to be very similar to the PGWB with only some minor differences in vocabulary, for instance blue becomes sad on the British version, five response categories rather than the six, and also question order. In two samples of British patients with depression validation of the GWBI showed construct validity and high internal consistency reliability for the whole scale (in the range 0.92 0.96) (Hunt SM, McKenna SP., 1992). The GWBI contains 22 questions, each with five response options (scoring from 1 to 5). The options have been worded in a different way for each question, to define the intended meaning (e.g. During the past two weeks, have you been waking up feeling fresh and rested? Every day Most days Less than half the time Not often Not at all). As it is clear, half of the items are positively worded and the other half negatively. There are no reco mmended subscales. The GWBI Total score is the sum of all 22 items (after reversing the negatively-worded items), and ranges 22-110. Higher scores designate worse well-being (McMillan C V et al., 2006). McMillan C V et al., (2006) examined reliability, structure and other aspects of validity of GWBI in a cross-sectional study of 157 adolescents with treated or untreated growth hormone deficiency (GHD), and sensitivity to change in a randomised placebo-controlled study of three months growth hormone (GH) withdrawal from 12 of 21 GH-treated adults. The findings demonstrated that respondents found both questionnaires acceptable. Factor analyses did not show the existence of useful GWBI subscales, but confirmed the validity of measuring a GWBI Total score. The W-BQ12 is recommended more than the GWBI to assess well-being in adult GHD; it is to a great extent shorter, has three useful subscales, and has greater sensitivity to change. Another generic measure of psychological well-being is the Well-being Questionnaire (W-BQ). The 12-item version, the W-BQ12, is derived from the longer W-BQ22. W-BQ12 This has been employed in several studies to assess the effects of new treatments and interventions in diabetes (Bradley C, 1994), a condition for which it has good internal consistency and validity (Plowright R, Witthaus E, Bradley C., 1999). The W-BQ12, nevertheless, has less respondent burden than the W-BQ22, and redresses an imbalance between numbers of positively worded and negatively worded items in the longer questionnaire (Riazi A, Ishii H, Barendse S et al., 1999). Hopton J L, Hunt S M, Shiels Ch, and Smith C. (1995) also investigated the validity of a 22 item measure of psychological well-being and the adapted common well-being index (AGWBI) in 266 patients, who ranged about 16 or over years old, drawn from the computerized list of one general practice in UK. The findings are largely supportive of the validity of the AGWBI and propose that it may be suitable in the evaluation of several developing areas of primary care. In Barlow J. H, Cullen L. A, and Rowe. L. F study on 82 rheumatoid arthritis patients, the psychological well-being was evaluated employing the hospital anxiety and depression scale (HADS) (Zigmond A.S, and Sniaith R. P., 1983). The HADS contains 14 items (7 for anxiety and 7 for depression), which is quick and easy to complete, and posses established reliability and validity (35). The HADS was designed to identify the presence and severity of relatively mild degree of mood disorder in non- psychiatric, hospital out-patients. S cores range from 0 to 21, with the higher scores signifying greater anxiety and greater depression (Moorey Greer S, and Watsa M, et al., 1991). In a number of studies, scholars have utilized General Health Questionnaire (GHQ) for evaluating well-being over a whole lifetime (Nilsson K W, Leppert J, Simonsson Bo, Starrin B., 2008). Goldberg D.P et al. (1970) designed the GHQ to detect psychiatric disorder. This questionnaire evaluates the individual present functioning from his or her usual state. GHQ has several types such as 60, 32, 28, and 12 items but the most popular type of the GHQ is 28 items which has four subscales as follow: A. Somatic Symptoms (items 1-7) B. Anxiety/Insomnia (items 8-14) C. Social dysfunction (items 15-21) D. Severe depression (items 22-28) These individual subscales are merely used for diagnosis of information and identification purposes, while the total subscales score is used. Ryff (1989) developed a multidimensional model designed to capture the broad elements of eudemonia. And six dimensions of well-being are identified which include: self-acceptance, positive relations with others, autonomy, environmental mastery, purpose in life, and personal growth. The Scales of Psychological Well-Being (PWB; Ryff, 1989) indicates the ways in which people react to a range of specific experiences, such as community relocation (Ryff Essex, 1992). Ryffs measure of PWB is relevant to analysis of experience of either advantage or adversity over the lifetime (Ryff Singer, 1996 cited in Grossbaum M F, and Bates G W. (2002). The Scales of Psychological Well-Being measure (SPWB; Ryff, 1989b) contains 84 items rated from 1 strongly disagree to 6 strongly agree. This scale also consists of six subscales with 14 items in each. These are: (a) self-acceptance, (b) positive relations with others, (c) autonomy, (d) environmental mastery, (e) purpose in life, and (f) personal growth. Ryff (1989b; Ryff Keyes, 1995) established the SPWB to be a reliable and valid measure of well-being. Cronbachs alpha for the 20-item scale ranged from .86 to .93 and over a six-week period the reports showed excellent test-retest reliability (rs range from .81 to .88). Allardt (1981) suggested a model for evaluating well-being in academic setting. Allardts model of well-being is categorized in to four variables of (1) school condition (having), (2) social relationship (loving), (3) means for self-fulfilment (being) and (4) heath status. The School well-being model origins from Allardts sociological theory of welfare and is constructed to measure well-being in educational settling (Konu Rimpela, 2002). In this model, well-being is associated with teaching, education, learning activities and outcomes. Allardts model Means for self fulfilment contains situation for each student to act according to his/her own resources and capabilities. Health status is assessed based on students symptoms, diseases and illnesses. The main preference of this model is due to its diverse sub categories of well-being in students life in educational centre as well as considering the impact of pupils homes and neighbourhood. Allardth further in 1989 developed his model cross tabulating having, loving and being with the dichotomy of objective and subjective indication and obtained six cells of different types of indicators. According to the literature, Allardth model is employed in this relationship study to measure international students well-being.

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.

Haack On Fuzzy Logic Essay -- Haack Philosophy Philosophical Essays

Haack On Fuzzy Logic ABSTRACT: Much of the progress in modern logic beyond Aristotle is due to the invention of a precise and powerful formalism, and this is why Haack is reluctant to weaken it. What motivates her to regard deviant and fuzzy logic as extensions rather than rivals of classical logic is its demonstrated capacity for refinement and progress. Thus she sharply distinguishes between a logic dealing with fuzzy concepts (she accepts), and one which is itself fuzzy, i.e., where "true" and "false" cease to be precise concepts (she rejects). While it is often more convenient to retain as much as possible of classical logic because of its simplicity and familiarity, there is nothing in the hermeneutical view of logic to render it immune from revision. Yet to treat logic as a canon of interpretation conflicts with Haack's idea of what logic is and does. L.A. Zadeh who introduced the term "fuzzy logic" reserves it for the result of a second stage of fuzzification, motivated by the idea that "true" and "false" are themselves vague: a family of systems in which the indenumerably many values of truth values of the base logic are superseded by denumerably many fuzzy truth values, true, false, very true, fairly true, not very true, etc. For fuzzy logic, Zadeh tells us, such traditional concerns as approximation, proof procedures, etc. are "peripheral" because fuzzy logic is not just logic of fuzzy concepts, but is logic, which is itself fuzzy. (1) Susan Haack criticizes Zadeh on the grounds that fuzzy logic is not well motivated, since truth does not come in degrees. Inevitably some will protest that fuzzy logic is working, and so that her distaste for it can only be an expression of a Fregean prejudice. But she claims that i... ...ic Justification of a Conceptual Notation," 1882/translation by Bynum T. Ward in Gottlob Frege: Conceptual Notation and Related Articles, Oxford: Claredon Press 1982, p. 86. (6) F.S.C. Schiller, Formal Logic, A Scientific and Social Problem, London: Macmillan 1912, p. 8. (7) Haack, p. 233. (8) R. Carnap, Logical Foundations of Probability, Chicago: Chicago University Press 1950. (9) Haack, p. 233. (10) ibid. p. 234. (11) L.A. Zadeh and R.E. Bellman, "Local and Fuzzy Logics," in M. Dunn and G. Epstein, Eds, Modern Uses of Multiple-Value Logics, Dordrecht: Reidel 1977, pp. 106-107. (12) Haack, p. 236. (13) ibid. p. 237. (14) L.A. Zadeh, "A Fuzzy-Algorithm Approach to the Definition of Complex or Imprecise Concepts," International Journal of Man-Machine Studies 1976 vol.8 p.269n. (15) Haack, p.238. (16) ibid. p. 240. (17) ibid. p. 242.

Agenda Setting Theory. Summary

Agenda Setting Theory I. The original agenda: not what to think, but what to think about. A. Maxwell McCombs and Donald Shaw regard Watergate (American political scandal – 1970’s. It ended in President Nixon resigning from office) as a perfect example of the agenda-setting function of the mass media. B. They believe that the mass media have the ability to transfer the salience (importance) of items on their news agendas to the public agenda. II. A theory whose time had come. A. Agenda-setting theory contrasted with the prevailing selective exposure hypothesis, reaffirming the power of the press while maintaining individual freedom.Agenda-setting theory set to prove that we don’t have as much control over our beliefs as we would like to think. (selective exposure: says people know what they are interested in, and what they believe/find important. They choose to expose themselves to media sources that provide them with information that matches their interests and c onfirms their existing beliefs) B. The hypothesis predicts a cause-and-effect relationship between media content and voter perception, particularly a match between the media’s agenda and the public’s agenda later on. causal relationships are different than correlational relationships – note how the findings change between studies). III. Media agenda and public agenda: a close match. A. In their groundbreaking study, McCombs and Shaw first measured the media agenda. B. They established the position and length of story as the primary criteria of prominence (i. e. where it was in paper – front page – and how long of an article it was – more writing equals more important (discourse makes meaning)) C. The remaining stories were divided into five major issues and ranked in order of importance. D.Rankings provided by uncommitted voters (uncommitted = undecided; these are people who have not made up their minds yet) matched closely with the mediaâ⠂¬â„¢s agenda. IV. What causes what? A. McCombs and Shaw believe that the hypothesized agenda-setting function of the media causes the correlation between the media and public ordering of priorities. B. However, correlation does not prove causation. 1. A true test of the agenda-setting function must show that public priorities lag behind the media agenda. (this would prove that one comes before another and is the cause of the other) 2.McCombs and three other researchers demonstrated a time lag between media coverage and the public agenda during the 1976 presidential campaign. C. To examine whether the media agenda and the public agenda might just reflect current events (reality), Ray Funkhouser documented a situation in which there was a strong relationship between media and public agendas. The twin agendas did not merely mirror reality, but Funkhouser failed to establish a chain of influence from the media to the public. (this was the Vietnam War example) D.Shanto Iyengar, Mark Pet ers, and Donald Kinder’s experimental study confirmed a cause-and-effect relationship between the media’s agenda and the public’s agenda. V. Who sets the agenda for the agenda setters? A. Some scholars target major news editors or â€Å"gatekeepers. † B. Others point to politicians and their spin-doctors. C. Current thinking focuses on public relations professionals. D. â€Å"Interest aggregations† are becoming extremely important. VI. Who is most affected by the media agenda? A. Those susceptible have a high need for orientation or index of curiosity. B.Need for orientation arises from high relevance and uncertainty. VII. Framing: transferring the salience of attributes. A. Throughout the last decade, McCombs has emphasized that the media influence the way we think. B. This process is called framing. 1. A media frame is the central organizing idea for news content that supplies a context and suggests what the issue is through the use of selection, emphasis, exclusion, and elaboration. 2. This definition suggests that media not only set an agenda but also transfer the salience of specific attributes to issues, events, or candidates. C. There are two levels of agenda setting. . The transfer of salience of an attitude object in the mass media’s pictures of the world to a prominent place among the pictures in our heads. (what to think about) 2. The transfer of salience of a bundle of attributes the media associate with an attitude object to the specific features of the image in our minds. (how to think about it) VIII. Not just what to think about, but how to think about it. A. Two national election studies suggest that framing works by altering pictures in the minds of people and, through the construction of an agenda with a cluster of related attributes, creating a coherent image.B. Salma Ghanem’s study of Texans tracked the second level of agenda setting and suggested that attribute frames have a compelling effec t on the public. C. Framing is inevitable. D. McCombs and Shaw now contend that the media may not only tell us what to think about, they also may tell us who and what to think about it, and perhaps even what to do about it. IX. Beyond opinion: the behavioral effect of the media’s agenda. A. Some findings suggest that media priorities affect people’s behavior. B. Nowhere is the behavioral effect of the media agenda more apparent than in the business of professional sports. C.McCombs claims â€Å"Agenda setting the theory can also be agenda setting the business plan. † D. Will new media continue to guide focus, opinions, and behavior? 1. The power of agenda setting that McCombs and Shaw describe may be on the wane. 2. The media may not have as much power to transfer the salience of issues or attributes as it does now as a result of users’ expanded content choices and control over exposure. X. Critique: are the effects too limited, the scope too wide? A. McC ombs has considered agenda setting a theory of limited media effects. B. Framing reopens the possibility of a powerful effects model.C. Gerald Kosicki questions whether framing is relevant to agenda-setting research. 1. McCombs’ restricted definition of framing doesn’t address the mood of emotional connotations of a media story or presentational factors. 2. Although it has a straightforward definition within agenda-setting theory, the popularity of framing as a construct in media studies has led to diverse and perhaps contradictory uses of the term. D. Agenda-setting research shows that print and broadcast news prioritize issues. E. Agenda-setting theory reminds us that the news is stories that require interpretation.

Love Conquers All Essay

I believe that a relationship is more than just love, it’s a balance of communication, love, and trust. The day I fell in love was a defining moment in my life. I now had a partner and a life long friend . My husband and I spent the first part of our marriage struggling over money issues. There was never enough money to take care of all the bills and the kids, as well as our moments. Still through all the rough hills we climbed, nothing ever broke our bond to each other. My husband tried repeatedly to find work so that he could support his family; he was so determined. At last an opportunity to build bridges emerged and he went for it. Grateful we were going to be financially secure, we now have three times the income he was making. Everything was looking up! We would not have to scrape by anymore. With the new career also came new challenges, my husband would be out of town five days a week. We have never even been apart! How was this going to work? I was a little scared to be alone, so we sat down and discussed the challenges together. I learned that he was nervous too. He was going to be so far away and could not protect his family. We just bonded together, it was emotional. We knew it was going to be a great opportunity for our family. â€Å"I am going to miss you so much, this is going to be tough†, I said while standing by his packed car. He pulled me in and held me tightly in his arms, kissing my forehead ever so gently and whispered,†I love you so much and this will only make us stronger.† We kissed each other good bye and away he drove. Then I cried! Week after week it became easier to say bye, but the tears always filled my eyes when I watched him drive away. This was the hardest thing we ever went through. During the time he worked out of town I became a stronger woman and mother. I learned that love can conquer all. We worked together more than ever before and we grew to understand just how much our family†¦

Our town paper review Essay Example | Topics and Well Written Essays - 750 words

Our town paper review - Essay Example The play has been divided in to three acts and each has been separated with different titles entertaining the audience with three different experiences. The first Act entitled, ‘Daily Life’ introduces the audience to Grover’s Corners, a small town in New Hampshire in the year 1901. Here the playwright brings the audience’s attention to the Gidds and Webb family. The second act throws light to the wedding day of George and Emily. Then the playwright, in a flash back mood presents the past life of Emily and Geroge, specifically on their deep attachment each other. The final act renders the futility of human life through the removal of scenes to the grave of Emily and her desire to live some more hours on earth after death. The style of the presentation of the play makes one infer that it can certainly be regarded as a touching play. Analyzing the play, one can see various elements like acting, directing, scenery, costumes, lighting and text, exert notable rol e in enhancing the performance level of the play. Regarding the performance of the play, it is worth noticing that the performers were up to the mark that is, they exactly performed the roles the director assigned them. The presentation of the character of the Stage Manager can be cited as the best example where the Manger guides the story, intervening in the plot, and in different scenes and actions to enhance the aesthetic appreciation of the play. To a certain extent, one can infer that the Stage Manager in the play guides the plot and actions. Furthermore, the presentation of the milkman and the newspaper boy help to comprehend the daily life of the American people. The more emotional scenes in Our Town - notably the Act II wedding - suffer from the lack of a warm Stage Manager. The part as well as the absence of the Stage Manager is noteworthy when Frank Rich rightly evaluates; â€Å"The more emotional scenes in Our Town - notably the Act II wedding - suffer from the lack of a warm Stage Manager†

World Trade Organisation Law Essay Example | Topics and Well Written Essays - 2000 words

World Trade Organisation Law - Essay Example Since 1947, many General Agreement on Tariffs and Trade (GATT) panel reports proposed that "the burden of establishing a violation under Article XXIII: 1(a) of the GATT 1947 was on the complaining party"2. "As early as 1952, in Treatment by Germany of Imports of Sardines, concerning a complaint by Norway, the panel clearly put the burden of establishing a violation of the GATT 1947 obligations at issue on the complaining party."3 Many other panel reports followed to confirm this proposition. In 1978, in EEC - Measures on Animal Feed Proteins, the 1992 report in Canada - Import, Distribution and Sale of Certain Alcoholic Drinks by Provincial Marketing Agencies and the 1994 report in United States - Measures Affecting the Importation, Internal Sale and Use of Tobacco. Nevertheless, it is the 1997 panel report United States - Measures Affecting Imports of Woven Wool Shirts and Blouses from India which under the GATT 1994 constitutes the reference in the Burden of Proof issue and confirm ed that it is the complainant who should bring the proper pieces of evidence in order to prove his complaint. We will try in the following essay to explain the different rules that guide the admission, submitting and admissibility of evidence, and we will focus on the current system of Burden of Proof by analyz... Subsequently, and still at the same meeting, the party against which the complaint has been brought shall be asked to present its point of view."4 In the idea of the complainant having to show Burden of Proof, it is his duty to present the necessary evidence to prove his case. The complainant is the first party invited to do so and then the other party, the respondent, will have the possibility to present its own evidence. The evidences are usually presented at the first substantive meeting in order to build the case. This is the usual conduct of the dispute settlement procedure. Nevertheless, in Understanding on Rules and Procedures Governing the Settlement of Disputes5, we are presented the Argentina - Textiles and Apparel dispute where Argentina has argued in his appeal that evidence should not have been accepted after this first substantive meeting and that it was inconsistent with Article 11 of the DSU. Argentina requested the evidence to be rejected but the Panel replied that it gave sufficient time to Argentina in order to prepare for this new submission. It finally stated: Article11 of the DSU does not establish time limits for the submission of evidence to a panel. Article12.1 of the DSU directs a panel to follow the Working Procedures set out in Appendix 3 of the DSU, but at the same time authorizes a panel to do otherwise after consulting the parties to the dispute. The Working Procedures in Appendix 3 also do not establish precise deadlines for the presentation of evidence by a party to the dispute. It is true that the Working Procedures 'do not prohibit' submission of additional evidence after the first

The short and long term financial strategy of a listed company of your Essay

The short and long term financial strategy of a listed company of your choice - Essay Example The impression gained by lenders and investors have a direct bearing on the movement of stock prices of a company and, as is commonly known, any downward movement of stock prices immediately generates negative sentiments in the market that have a direct adverse effect on the goodwill of the organization (Arnold 2005). No organization of repute can afford to accept a smear on its goodwill as that has a very great impact on its turnover and profitability. Moreover, a company that does not have goodwill in the market is very rarely is able to gather funds from the market when it is need of it and always has to struggle with high interest rates that it has to pay if it wishes to borrow from commercial banks or institutional lenders. Thus, this report is of vital importance to any corporate entity as it can make or mar its future. To prevent any manipulation of figures, authorities all over the world have made it mandatory that such accounts must be vetted and audited by statutory auditor s and submitted to registrar of companies in prescribed formats (Pike and Neale 2009). This assignment examines in detail Annual Report of Accenture and draws important and vital conclusions about the company. Accenture – background details of the company (Oliveira 2008) Accenture is a global management consulting company that has firmly established itself in the Fortune 500 list of companies. It was in 394th position in 2007 and has steadily gained since then in stature and prominence in the global competitive arena as it became a force to reckon with in the field of technology and outsourcing services. This company has a rather checkered past as in its earlier incarnation, Anderson Consulting, it got inextricably smeared in black as the Enron scandal unfolded with all its murkiness and deceit. So before the company went for initial public offering in 2001 it had changed its name to Accenture to get rid of an unenviable past association. This company is an acclaimed global s ervice provider having a highly decentralized organization structure and services clients of international repute and global footprint in areas of increasing productivity, turnover or returns on capital employed. In order to serve a worldwide client base the company had no other option but to decentralize its operations and that is evident when one comes to know that it operates from more than 150 locations in about 50 countries. The company, like most other service providers, values its human resources as its most productive asset and goes to great lengths to maintain it properly. With more and more companies investing heavily in Information Technology to cut costs and increase productivity, one of the core businesses of Accenture has become IT consulting. This is a highly competitive market and the only way to survive and stay ahead of competition is to continuously innovate and provide cutting edge solution to clients especially with competitors as Cap Gemini SA and Atos Origin h eavily breathing down Accenture’s neck. Accenture has also built corporate alliances with other leaders as SAP and Oracle and also formed a joint

Short Term Financing Essay Example | Topics and Well Written Essays - 750 words

Short Term Financing - Essay Example The intention of going for short term financing is essentially to raise funds for operational activities of the business, these essentially means that such kind of financing is required on a very sort-notice hence the high cost of servicing it in terms of interest. Short term operation money may be secured first, any encumbered physical assets of the business second, additional funds from shareholders, or personal guarantees fro principals. On occasion, inventories can be used as temporary security for operations loans. In essence short term borrowing should be used for working requirements for day to day operations of a business. Industries with seasonal peaks and troughs and those engaged in international trade will be heavy users of short term borrowing / Banks allow their customers for certain overdraft amount. They no longer need to work with a series of pr-signed drafts .They allow customers to withdrew more funds than what is the current account up to approved limits Some banks help their customers transform book debts into cash by advancing up to 80% of the credit term invoice value. To ease the company's workload further to banks collects the cash from creditors on behalf of a customer so that cash floe can be allowed, raise additional capital easily and quickly and save administrative time. Some businesses tend to confuse which source to go for but there must be a clearly idenfiable reason why a business has to source for funds before deciding on which source to go for. This can give a clear direction. There are no guarantees that the rule of determining the source of finance ca purely be followed, at some stage the firm may go for long funds when really they should have gone for short and vice versa. This can be influenced by the cost implications of going for one and not the other. If going for short term might cost the business a lot in terms of interest, then they may opt for long term. At one point, even the real consumer need also to be on he look out on which form of way o raise funds depending on what is the problem one wants to address. One can not go for a long term loan for a school fees for kids because this necessary need to take a lot of documentation to have it processed. The same considerations are equally to be viewed fro the same perspective whether consumer or business. Conclusion. There is no confusion at all between the sources which an establishment should adopt or an individual should go for. As long as one identifies the objective of the loan or finance, it is easily determinable on which one should be opted for. All the matters is the urgency with the funds are needed and the purpose for which the funds are needed. Bibliography: 1. P.A. Pandey: Financial management, 2nd edition, Central law agency,

Conflict theory report, sociology Essay Example | Topics and Well Written Essays - 1000 words

Conflict theory report, sociology - Essay Example This is much like the economic divide between the two groups which forms the basis of the social equation although it is not the total equation itself. Some parts of knowledge such as basic sciences and arts could be exempt from the divide but the ideology which is present in a given society is the creation of the Bourgeoisie as a further means of controlling the Proletarians. According to Marx, alienation is a situation where individuals in society are controlled by the forces which they themselves have created and even though the individuals are the creators of those elements, the elements become confrontational to them. For example, a person could be alienated from the majority religion of the country or the community s/he belongs to. For any individual this alienation can be a cause of conflict or of dissatisfaction with their own lives. Marx suggests that society begins with the struggle against nature and man is almost always in conflict with nature. However, as time passes social groups are formed and an inequality develops between these groups, when the inequality is realized and the Proletarians rise up against the Bourgeoisie, a revolution takes place which brings with it many social changes. However, with time, new groups form into the ones who control the means of production and the ones who work for them and the social cycle continues in this way. Simmel suggested that sociology as a science should not borrow elements from other sciences to come into its own rather it has its own elements which depend on the forms of social interaction between individuals. While certain events and interactions can be seen as unique, there are often similarities in underlying causes which point back towards other cases of human interaction throughout history. From concrete events in history Simmel seeks to find abstractions rules for

Law and People Settings Essay Example for Free

Law and People Settings Essay 1.1 A duty of care in my own role is a legal obligation on me requiring me to adhere to a reasonable standard of care while performing acts of care. 1.2 I have a legal and professional duty of care. If I was to neglect someone and this caused them harm then a court of law could find me negligent and stop me working in care or impose sanctions on me and this is how duty of care contributes to safeguarding individuals. 2.1 There are a few potential dilemmas that can arise in care work for example individual’s rights, a person’s individual rights and dignity should be respected at all times so in a end of life situation I may wish to administer lifesaving support but can only do this with the individuals consent. Another example is if a carer does not believe in organ transplantation or blood transfusion because of their culture they would still be required to support a client who had been prescribed this type of treatment. 2.2 Conflicts and dilemmas should be dealt with by the most senior manager in charge at that time. The person in charge may delegate responsibilities to carers if appropriate but they will first identify and assess the issues and devise strategies to deal with them. 2.3 To get advice and support about conflicts and dilemmas you can talk to managers, senior carers, social workers, registering authority and other colleagues. CT236 Principles for implementing duty of care in health, social care or children’s and young people’s settings. 3.1 In the event of a complaint I would follow procedures and try and put the matter right. Ask for the complaint to be put into writing to help us avoid the same situation arising again and look into the complaint thoroughly, fairly and honestly. Dealing with it with confidentiality and politely. Give an apology if required and explain how the situation will be put right. 3.2 Agreed procedures for handling complaints are to deal with the complaint fairly, honestly, confidentially, promptly and resolve the issues effectively and appropriately.

Strategies to Gain New Customers via Internet Banking

Strategies to Gain New Customers via Internet Banking 1. Introduction It includes the following topics: a. A clear statement of the purpose of the thesis b. Reasons for the study c. Statement of problems d. Purpose of the study a. The purpose of the thesis: If students have to write their M.B.A theses, which make a large number of significant errors, this is the main reason why their projects return for audit. Disappointed and falls, they need to proofread and to work for their dissertations. It has taken so much time for them to write their dissertations, and now they should start from the exact beginning. I shall show you how to avoid failure in the basic thesis and is, as you know about this failure. The most important thing about the dissertation writing is that you should understand clearly the purpose of the letter. The main purpose of writing of a dissertation is to provide a student with an opportunity to discover something new in the field of investigation. If the student can lead a deep, wise and profound Research, and can draw a clear conclusion about his / her research with any discoveries that present in the final dissertation, he reached the end. One more important thing is to writing a thesis that you should know about th e latest discoveries in the field of investigation. That purpose, writing a dissertation, can be achieved through lectures and analysis of relevant sources thesis. A student should be aware of the position of the writer and should appreciate the critical position. There is no doubt that you will succeed in your dissertation, if you know the main purpose of writing a dissertation, which will be presented by me. Apply for M.B.A dissertation to get a piece of good advice. M.B.A dissertation is always willing to help you. For many courses forms part of a dissertation is to complete study for a degree. For some courses it is linked with work experience. It provides you with an opportunity to take a piece of individual research work and to really examine an aspect of the theme that you are studying closely. b. Reasons for the investigation: There are opportunities for the effective use of the Internet with regard to the banking industry. It is shown that may cause the appropriate application of todays cutting-edge technology at a significant competitive advantage for banks. This is illustrated by a scenario that focuses on the potentials of advising on the Internet. For many consumers, electronic banking means 24-hour access to redeem with an automated counter machine (ATMS), or direct deposit of paychecks for the checking or savings accounts. But electronic banking now involved many different types of negotiations. Electronic banking, also known as electronic funds transfer (EFT), uses computer and electronic technology as a replacement for paper checks and other negotiations. EFTS is initiated through devices like cards or codes that you can, or that you authorize to accesses your account. Many financial institutions use ATM or debit cards and personal identification numbers (NEEDLES) for this purpose. One uses other forms of payment cards such as those that require the most, your signature or a check. The federal Electronic Fund Transfer Act (EFT Act) covers some electronic consumer negotiations. Although Internet banking has been widely adopted in developed countries, there is a group of customers resisting the services. In other words, Internet banking, although proven to be a successful innovation is not yet adopted by the laggards have become, and therefore have all the expectations of banks did not hit. Therefore, the purpose of dissertation is to identify the reasons for the sales resistance to Internet banking. The special interest is to explore resistance among those who pay a customer who already has valid contracts for Internet, but preferably pays, pay their bills through ATMs. The goal is to identify the characteristics that generate resistance to Internet banking and their connections to values of individuals. To achieve the objective, 30 Finnish bank customers have used the detail ed Central finished interviewing approach and the laddering interviewing process. c. Statement of problems: To develop strategies for banks is to get people to pay online which was drawn a sample of 369 consumers from two universities in Kwazulu-Natal. Universities were chosen because they are an untapped e-commerce market segment. Workers at universities fit the profile of typical Internet users. Data were collected a used tissue based on survey. Statistical analysis has revealed that more men have used Internet banking than females. Automated telling machines custom was far greater than Internet banking usage. A large percentage of Internet bankers have used the service for burying account transfers and balance test / statements. Safety was the main issue for not paying in-line. Potential customers who have wanted guaranteed safety and loyalty rewards to get them to pay online. Internet banking has the potential to grow among tertiary institution workers. Some of the problems are explained below: Negotiation / Farms Explorers Risk Negotiation / edited risk arises holdings of dizziness, the error, system interruption, or other unexpected events that result in the inability of the institution to provide products or services. This risk exists in every product and service offered. The amount of the negotiated risk is influenced by the structure of the processing environment of the institution, including the types of services offered and the complexity of procedures and supporting technology. Credit Risk In general, the credit risk of a financial institution to mere fact not equal, that a loan will be produced by an e-banking channel. However, management should consider providing an effective management information systems, including assuring the performance of portfolios produced bear pursued through e-banking channels. LIQUIDITY, INTEREST RATE, PRICE / MARKET RISKS The Funding and investment-related risks could increase with the e-banking initiatives of an institution that depends on the volatility and judgmental of the acquired deposits. The Internet provides institutions with the ability to bring to the global market their products and services. On Internet-based advertising programs can effectively yield-focused investors with potentially high-adapted resulting deposits. But Internet-produced deposits have the potential to attract customers, which may focus exclusively on rates, and a source of funding with risk characteristics that are similar to deposits has provided care. An institution may, by this potential volatility and its extensive geographical reach agreement and deposit account control to open the practice of personal meetings and involve the exchange of paper correspondence is expected. COMPLIANCE / LEGAL RISK Compliance and legal issues arising from the rapid growth in usage of e-banking is based, and the differences between electronic and paper methods. E-banking is essentially a new delivery channel where the laws and rules that may govern the electronic delivery of certain financial institution products or services to be ambiguous or even developing. Governing laws and regulations, consumers bargaining, require specific types of disclosures, notes, recordings or tours of conditions. These conditions also apply to e-banking and federal banking agencies continue to update consumer laws and regulations, the impact of electronic banking and online customer relationships to reflect. STRATEGIC RISK A committee should understand the financial institution and manage the risks that are associated with e-banking services and the emerging risk management costs against the potential return on investment-bank Offered in essential services evaluated. Poor e-banking planning and investment decisions are to increase the strategic risk of a financial institution. Early adopters of the new e-banking services can be as forerunners who may expect to establish the needs of their customers, but by then incur higher costs and increased complexity in their decision. REPUTATION RISK One institution, e-banking services to offer, especially the more complex transactional services and significant increases in its level of reputation risk make risked. Some of the inputs, which e-banking affect the reputation of an institution may include, loss of confidence due to unauthorized activity on customer accounts disclosure or theft of confidential customer information to unauthorized parties(e.g. hackers), failure to marketing requirements, supply, failure to provide reliable service on the basis of the frequency, or duration of service interruption, customer complaints about the difficulty in e-banking practices and the inability of essential services desk to resolve problems, and confusion between services that are provided by the financial institution and the services which has been supplied by other businesses, which has been linked from the site. d. Purpose of Study E-Commerce revolutionized the way business is headed. New business models to replace outdated and organizations to think of business processes and customer relationship management strategies drafts. Banks are no exception to this transformation. This study examines the views of bankers on providing banking services to help customers use the tissue. Specifically, it speaks expenditure, such as the strategic need for Internet banking, its effect on client-bank relationships, and the experiences of customers in internet banking. Advantages of internet banking to banks I. Cost savings Orr (1999) states, the electronic processing dramatically reduce the cost per procedure, according DiDio (1998), the average transaction cost at a full service bank about $ 1.07. It reduced to $ 0.27 an ATMS and falls to a penny if the same transaction is conducted on the fabric. Also, there are opportunities for banks to hand over customer invoices electronically. The cost to deliver invoices to be electronically much lower than when the bill was in paper form, which has been delivered through the mail. Irvine (1999) states, the electronic bill presentation costs 40% less than paper delivery. These cost savings can offer customer pays, and similar reduced costs of the banking system and still provides effective and differentiated services. II. Loyal customers Loyal customers have in a new study that was conducted by Forrester Research, 61% of respondents claimed that if their banks offered financial services that they wanted, they would prefer the service of the Bank use. With this knowledge of the Offering consumers interest in mind to move banks, a hub of financial services including bill presentation and payment, financial planning, estate planning, insurance, loans, and brokerage services. The Internet allows for these converging financial services not previously available in one central location. III. Offer additional services Do you offer additional services as mentioned above, to move many banks to offer customers a financial portal? This portal concept offers banks a new role in the business of serving customers. Simply an Internet presence has not supplied one income stream banks. However, by offering a wide array of products and services that can benefit from internet banking integration. By creating financial portal where consumers can manage a wide range of financial activities, such as stocks and mortgages, banks can benefit from offering Internet capabilities to help customers (Wah, 1999). IV. Internet Profit Generation E-commerce, if properly integrated into existing banking operations can lead to significant cost savings and higher profitability. Find cost savings due to automate customer negotiations, such as fund transfers, payments, account balance inquiries etc. Strategic alliances with insurance companies, mortgage companies and stock brokerage firms can lead to additional business opportunities that will otherwise go unfulfilled. In addition, banks can retain customers more effectively if offering services, the value-addition are. High-profit customers, which some studies suggest that entice the demographic of internet banking customers. Wells Fargo Bank online customers have an annual median income of $ 75,000 with higher education levels than the average wells Fargo customer (Hoffman, 1999a). Also this group of customers is more profitable than the bricks-and-mortar counterparts. They generate 50% more income than the average wells Fargo customer, holds a 20% increase in balance, yet uses 50% product, and its wear rate is 50% of the total wear rate. Furthermore, on average, it costs 14% less compared to those customers bricks-and-mortar customers (Time well and Kung, wait 1999). Advantages of internet banking to consumers A. Cost savings Cyberspace is cheaper to operate than brick and mortar structure, and this cost advantage can often be further passed to consumers. The Internet Banking cost structure allows consumers to receive cost savings, and financial benefits for depositing online. A comparison of the (e-banking) and depositing one (parent bank a brick and mortar bank) offers an illustration of this point. For checking accounts Wingspan offers an interest rate of 4.5% interest, which is compared, one1%deposit.It also offers more options begins in the mortgage and insurance, with 60 loaning companies and 15 insurance salesmen. It also offers customers an advantage over to his parent in the field of electronic bill payment, which offers the service for no extra charge, while depositing, one invites $ 4.95 per month (, 1999). B. Access to additional services On Basic transactional web sites allows customers to check account adjustments, possession and new banking statements. Systems that allow customers to initiate negotiations on-line, such as transferring money between accounts or making payments, provides customers additional benefits. These elevated sites allow customers to pay bills to request and review loans and mortgages, credit cards and checking accounts. The financial institutions that offer extensive online services, well, are set to be a leader (Hickman, 1999). By offering this great umbrella of the service trust of one who pays the institution, these companies can save a larger share of the financial transaction from a customer. C. A good shopping stop: Banks, adds real time loan applications, added the ability to make IRA investments, the opportunity to trade shares through their websites. The tendency for flocking that is pays predicted to shape the future of Internet banking on. This concept of one-stop shopping is convenient and leads to more satisfied customers. 2. Literature review In literature review I shall discuss the following: a) Critical review of the literature as Use of relevant literature b) Evidence of understanding the ideas expressed c) Develop a critical focus Critical Review of the literature: Paying online or Internet offers consumers and business like the convenience of managing banking and financial responsibilities of home A. Online banking can also be a lifeline for those who can not leave his house, or may live in rural areas where access can be restricted to banks. To be able to check your bank, savings and justify Digital Banking customers have a range of internet banks have to meet those needs to ensure customer loyalty. Consequently, change Internet banking services in general, and on finding feedback paid online services are important to this book. Our investigations of online banks allow you to compare internet banks and to find the best service that is available with investigations of Lloyd internet banking, a paid online, a HSBC and Barclays internet charges among others. If you are Internet banking, please send us your internet, the review and makes known repaying us your thoughts and experiences of the personal Internet banking INTERNET BANKING SERVICES AND FEATURES i. Checking your balance and statements online ii. Fund Transfers iii. Bill Payments iv. Managing savings and current account v. Cards service vi. Order cheque and books request vii. Please ask for stop cheque payments viii. Fixed Deposit accommodation ix. Requested by the Statement Internet distribution strategy decisions These are the key strategic decisions for e-marketing with strategic choices for traditional marketing. They engage in selective target customer groups and giving, how to deliver value to these groups. Segmentation that aim is to have differentiation and positioning of the entire key to effective digital marketing; the main thrust of the e-marketing strategy is takes decisions on the selective targeting of client groups and different forms of value delivery for online channels. It is a similar issue with e-buyer strategies see link at the footer of the article. In an e-marketing context, we can say: a. E-marketing strategy is a channel strategy. b. Specific e-marketing objectives must be set adoption rate of e-channels have been compared to other channels for different audiences. c. E-channel strategies thrive on creating a different value for all parties to a negotiated. d. But E-channel does not exist in isolation, so we still need to manage channel integration, and acknowledges that the adoption of e-channels will not be suitable for all products or services or generates sufficient value for all partners. Thus E-marketing strategy is defined as we should: a) Communicate the benefits of using e-channel. b) Guide Put priority on public or partners for e-channel adoption of third targeted. Set priority products and has sold through e-channel purchased. c) Achieve our goals through e-channel tactics for online customer acquisition, conversion (conspiracy) and retention. A strategic option exists to replicate offline segmentation, which aims at a differentiated manner, and in the online channels. While this is relatively easy to run the company will likely lose market share, compared with more nimble competitors who modify their approach to online channels. An example of a strategy makes no grocery shopping, where some pet shops have released to all parts of the country or not, not providing the service in general. These supermarkets will lose customers to the most enthusiastic adopters of online channels, such as Tesco and Sainsbury; the victory will be difficult to be back sides in future. Segmentation / strategy aimed at company online customers have different demographic characteristics, needs and offline behavior to its customers. It follows that different approaches may be required to segmentation, and specific sectors may be choosy need to be targeted. The manner / the online product differentiation strategy competitors and service offerings are often different in the online environment. Develop a suitable online value proposition is as below describe an important aspect of this strategy. Has many examples of online information is based on the lower costs achieved distinction in and retaining online customers, which are then passed to customers. Examples include: Retailers offering lower prices online. For example Tesco (price promotions on selected products), Comet (discounted when compared to in store on some products) Lower cost airlines offers flights to online bookings. Examples: easy Jet, Ryan air, BA. Financial services firms offering higher interest rates on savings products, its lower interest rates on credit products such as credit cards and loans. Examples: Nationally, federal and Leicester. Mobile phone network provider or Utilities, the lower cost of fares or discounts offered for customer accounts that are managed online paperless billing. Examples: O2, British Gas. Other options for differentiation are available on-line for companies where their products are not suitable for sale online, such as high value or complex products or FMCG brands sold by retailers. These companies may use online to add the brand or the product value by provide additional value services or different types of experience. 1. Online CRM strategy: It will focus on various aspects of the customer life cycle for online customers in terms of: Acquisitions Strategies, attract new customers to a company, and existing customers about online channels, to migrate. Separate targets should be set for each. Retention using online channels proliferate, retention, and value of the customer company. Reactivation encouraging continued use of online channels from customers that have passed, for example, had online or home shopping service, buys the service, but has now stopped. This may be driven by setting targets for% active customers. Customer knowledge (familiarity) learning more about the customer through profiling and monitoring of behavior. 2. Online value proposition strategy: It defines the value proposal for the acquisition and retention, engage with customers is online. Close communicative and promotional incentives which use to encourage trial. Program also defines the value creation through time for example, white papers are available for example monthly or seasonal sales promotions made. 3. Online has targeted range strategy. Objective: Communicate with relevant online audiences to achieve communication goals. The communications typically include: building brand awareness and favorability build impulsive online purchase, growing offline purchase intent, list or migrating existing customers to online channels. Focus: New customer acquisition: Communication strategy with selected sections of online customers through media buying, PR, is to sending e-mail, viral campaigns and sponsorship or partnership arrangements. Driven by goals of the online audience is share and number of visitors placed in different sections. The strategy may involve: A. To drive visitors to the company office B. To achieves brand awareness and interactions on third sites. C. Building brand awareness, favorability and purchase intent on third may be a more effective strategy for low participation FMCG brands, where it will be difficult to encourage visitors to the site. D. Offline has targeted range strategy. Encourage Target: Potential customers who use online channels that Visit site and performed where relevant. Focus: New customer acquisition and migration of existing customers online. Strategy to communicate with selected customers, divide by offline direct marketing, media buying, PR and sponsorship, driven by goals of the online audience share and number of visitors placed in different sections. E. Offline Sales Impact Objective Strategy: Use on-line communications, sales achieved by offline channels. Focus: Achieving sales off-line (new or existing customers may be defined) strategy, such as on-line communications through the website and the e-mail offline sales i.e. influenced by phone, mail or in-shop can. F. Online Sales Efficiency Strategy Objective: Job visitors turn to buy Focus: Achievement sales online (may encourage new or existing customers to be) For transactional e-commerce jobs, a strategy that point visitors to purchase online mercantile, promotions, etc. For other types of agencies multiplying conversion factors leads. As part of this strategy options to convert visitors to action, exploring reduce (or attribution installments) is, i.e. first-time buyer promotions, job design improvements, website and landing page optimization. Triggered event, has e-mails are used automatically to convert potential sales to sales. Introduction: Although cost in retail banking in Europe is confronted with quite similar challenges and changes that are changing responses considerable. 1. This shows the changes in the strategic orientation: Which are apart from walking organization structures by individual banks and different characteristics of national markets? The operating authority and the capitalization of banks play an important role in the selection of a suitable banking strategy. Country-specific factors include customer benefits, the degree of competition and informal legal framework, among other things, a. This article focuses on retail banking strategies. The emphasis is on retail banking in the broadest sense of the word. In fact, many banks have re-discovered in the retail cost, which pays for the collapse, charges of operating and investing activities and the fall in stock prices over the last few years. In section two we begin with a brief summary of known trends in banking. Sections three to four focuses on domestic and international banking strategies, respectively. Both sections have the same statement. The first part describes the retail banking strategies in general. The second part of the business with strategic positioning of the Rabobank Group and explains how Rabobank Group with these general trends and challenges overcome. 2. General trends in European banking Which will be depositing the Europeans who pays the countryside, continue to experience dramatic change over the next few years (see McDonald. Trends affecting the banking industry include privatization, regulation and supervision, demographic factors, a technological innovation yet the EMU and the importance of propagating sustainable banking. The privatization of banks is high on the agenda in France, Germany and Italy. As the influence of government relations in competitive weight loss financial sector, and in the banking industry in particular, is experiencing significant change. Developments in regulation and supervision affect the banking industry through various Channels. It was not until deregulation of the financial sector will continue to eat away the barriers that deny access to the market for new suppliers of financial products. On the other hand, we see an increase in national legislation, particularly in the area of consumer protection. Regarding supervision, the new BIS capital adequacy rules, tremendous impact on the all banking business have. The combination of an aging population in Europe and financial constraints on state pensions will be a surge in filling retirement benefit plans to produce. These various developments are the implications for traditional forms of saving and, therefore, for the financing activities of banks have. In this respect, an analyst strong growth among institutional investors, including pension schemes before. 1. Does German bank Research for an analysis of banking strategies in European countries. 2. Argue that technological developments are fundamentally changing the cost structure, output mix and distribution channels of banks. Actually, he goes too far say that the developments in information technology the most fundamental force for change in the financial sector. Those procedures for deeper and more liquid markets resulting from EMU main euro will continue for some time. These will increasingly cheaper and easier for medium and large corporate do, raise money directly in these markets instead of borrowing from banks. Finally, the growing importance is sustainable banking is a tendency that can not be denied. Banks will judge on their apparent social and selected environmental responsibility by customers and investors. 3. All these driving forces behind the structural changes in the Europeans, pays the industry not only has an independent effect on the structure of the market, but also acts on each other and thus enhance can. These factors include far-reaching implications for the market structure, the characteristics, such as: concentration, capacity, competition, efficiency and profitability. There is competition among banks but also between banks and other things, the new financial intermediaries to be strengthened. 4. Internal strategy of costs in retail banking. This section describes strategies in general. The strategic vision and the election of the Rabobank Group are discussed in section 3.2. 3.1 Inside strategic options, strategies Deposit, improve performance, and grow in domestic markets, can in three Main categories are divided: To distinguish A. Cost reduction B. Income growth or organic C. Associations, and acquisitions and cost reduction frets A. Different costs, the strategies can reduce as regular as thin down, multi channeling, and outside-in and co-sourcing. Thin down refer to the assessments of banks of ways to improve their internal cost structure, and to increase efficiency. This takes place when economic conditions are unfavorable, and happens every few years. New elections are on priorities and the bands of the working staff is close been investigated by the bank. Other companies, banks tend to grow fat in prosperous times, is usually compensated for in an economic downturn. An additional driver for cost reduction is the current trend of changing distribution channels that are caused by ICT innovations. Banks will be forced to invest heavily in ICT to stay competitive. Most banks now use a multiple approach in guiding the distribution of their products and the maintenance of their customers. Use branches, telephone, ATM and Internet all at once. The public has a massive shot to the new (direct) channels, which have r educed the number of visits to the bank itself, the development of customer and a blueprint for the future. This change provides customers preferred a great opportunity to reduce the cost of relatively expensive branch network to. Many banks are therefore currently re-examining their distribution processes. However, ICT investments are high and therefore it is increasingly important for banks to organize their back offices in the most effective way. Sufficient scale to reduce unit, or transaction costs are the key. Banks can choose from several strategies to optimize their back office activities: co-sourcing, in sourcing to stock and white labeling off. Co-sourcing is the caterer of back office platform with another bank. In sourcing means the back office operations for other parties running in order to realize sufficient scale. Outsourcing is the order of activities and buying them back from other companies. White Label states the production of products for others, mostly non-financial parties without a label. 5. within organizations, can set up to scale economies of shared customer service centers are met. Shared customer centers show the interlocking of back office operations of several subsidiaries. They can be seen as an internal coor in sourcing initiatives. 6. This strategy is described under the income increases, the strategies. Technically speaking depend, is the preferred strategy Art sourcing mainly on the shape of cost curves for a certain product, the position of the bank on that curve, and the price of the option. 7. There are three hypothetical cost curves from the shape of the curves may differ for different products, because the relationship between fixed and Variablekosten varies per product. The curves do not necessarily show a continuous downward slope with wax volumes, since likely at some point need new investments to be treated, propagation, characterized scale. Theoretically, therefore, can lead insourcing, intuitive results counter: multiplying unit cost. The position of the cost curves can also differ between countries, which are the main driver behind the current trend of outsourcing ICT activities to low wage countries such as India. Expect 2 Hypothetical devel Strategies to Gain New Customers via Internet Banking Strategies to Gain New Customers via Internet Banking 1. Introduction It includes the following topics: a. A clear statement of the purpose of the thesis b. Reasons for the study c. Statement of problems d. Purpose of the study a. The purpose of the thesis: If students have to write their M.B.A theses, which make a large number of significant errors, this is the main reason why their projects return for audit. Disappointed and falls, they need to proofread and to work for their dissertations. It has taken so much time for them to write their dissertations, and now they should start from the exact beginning. I shall show you how to avoid failure in the basic thesis and is, as you know about this failure. The most important thing about the dissertation writing is that you should understand clearly the purpose of the letter. The main purpose of writing of a dissertation is to provide a student with an opportunity to discover something new in the field of investigation. If the student can lead a deep, wise and profound Research, and can draw a clear conclusion about his / her research with any discoveries that present in the final dissertation, he reached the end. One more important thing is to writing a thesis that you should know about th e latest discoveries in the field of investigation. That purpose, writing a dissertation, can be achieved through lectures and analysis of relevant sources thesis. A student should be aware of the position of the writer and should appreciate the critical position. There is no doubt that you will succeed in your dissertation, if you know the main purpose of writing a dissertation, which will be presented by me. Apply for M.B.A dissertation to get a piece of good advice. M.B.A dissertation is always willing to help you. For many courses forms part of a dissertation is to complete study for a degree. For some courses it is linked with work experience. It provides you with an opportunity to take a piece of individual research work and to really examine an aspect of the theme that you are studying closely. b. Reasons for the investigation: There are opportunities for the effective use of the Internet with regard to the banking industry. It is shown that may cause the appropriate application of todays cutting-edge technology at a significant competitive advantage for banks. This is illustrated by a scenario that focuses on the potentials of advising on the Internet. For many consumers, electronic banking means 24-hour access to redeem with an automated counter machine (ATMS), or direct deposit of paychecks for the checking or savings accounts. But electronic banking now involved many different types of negotiations. Electronic banking, also known as electronic funds transfer (EFT), uses computer and electronic technology as a replacement for paper checks and other negotiations. EFTS is initiated through devices like cards or codes that you can, or that you authorize to accesses your account. Many financial institutions use ATM or debit cards and personal identification numbers (NEEDLES) for this purpose. One uses other forms of payment cards such as those that require the most, your signature or a check. The federal Electronic Fund Transfer Act (EFT Act) covers some electronic consumer negotiations. Although Internet banking has been widely adopted in developed countries, there is a group of customers resisting the services. In other words, Internet banking, although proven to be a successful innovation is not yet adopted by the laggards have become, and therefore have all the expectations of banks did not hit. Therefore, the purpose of dissertation is to identify the reasons for the sales resistance to Internet banking. The special interest is to explore resistance among those who pay a customer who already has valid contracts for Internet, but preferably pays, pay their bills through ATMs. The goal is to identify the characteristics that generate resistance to Internet banking and their connections to values of individuals. To achieve the objective, 30 Finnish bank customers have used the detail ed Central finished interviewing approach and the laddering interviewing process. c. Statement of problems: To develop strategies for banks is to get people to pay online which was drawn a sample of 369 consumers from two universities in Kwazulu-Natal. Universities were chosen because they are an untapped e-commerce market segment. Workers at universities fit the profile of typical Internet users. Data were collected a used tissue based on survey. Statistical analysis has revealed that more men have used Internet banking than females. Automated telling machines custom was far greater than Internet banking usage. A large percentage of Internet bankers have used the service for burying account transfers and balance test / statements. Safety was the main issue for not paying in-line. Potential customers who have wanted guaranteed safety and loyalty rewards to get them to pay online. Internet banking has the potential to grow among tertiary institution workers. Some of the problems are explained below: Negotiation / Farms Explorers Risk Negotiation / edited risk arises holdings of dizziness, the error, system interruption, or other unexpected events that result in the inability of the institution to provide products or services. This risk exists in every product and service offered. The amount of the negotiated risk is influenced by the structure of the processing environment of the institution, including the types of services offered and the complexity of procedures and supporting technology. Credit Risk In general, the credit risk of a financial institution to mere fact not equal, that a loan will be produced by an e-banking channel. However, management should consider providing an effective management information systems, including assuring the performance of portfolios produced bear pursued through e-banking channels. LIQUIDITY, INTEREST RATE, PRICE / MARKET RISKS The Funding and investment-related risks could increase with the e-banking initiatives of an institution that depends on the volatility and judgmental of the acquired deposits. The Internet provides institutions with the ability to bring to the global market their products and services. On Internet-based advertising programs can effectively yield-focused investors with potentially high-adapted resulting deposits. But Internet-produced deposits have the potential to attract customers, which may focus exclusively on rates, and a source of funding with risk characteristics that are similar to deposits has provided care. An institution may, by this potential volatility and its extensive geographical reach agreement and deposit account control to open the practice of personal meetings and involve the exchange of paper correspondence is expected. COMPLIANCE / LEGAL RISK Compliance and legal issues arising from the rapid growth in usage of e-banking is based, and the differences between electronic and paper methods. E-banking is essentially a new delivery channel where the laws and rules that may govern the electronic delivery of certain financial institution products or services to be ambiguous or even developing. Governing laws and regulations, consumers bargaining, require specific types of disclosures, notes, recordings or tours of conditions. These conditions also apply to e-banking and federal banking agencies continue to update consumer laws and regulations, the impact of electronic banking and online customer relationships to reflect. STRATEGIC RISK A committee should understand the financial institution and manage the risks that are associated with e-banking services and the emerging risk management costs against the potential return on investment-bank Offered in essential services evaluated. Poor e-banking planning and investment decisions are to increase the strategic risk of a financial institution. Early adopters of the new e-banking services can be as forerunners who may expect to establish the needs of their customers, but by then incur higher costs and increased complexity in their decision. REPUTATION RISK One institution, e-banking services to offer, especially the more complex transactional services and significant increases in its level of reputation risk make risked. Some of the inputs, which e-banking affect the reputation of an institution may include, loss of confidence due to unauthorized activity on customer accounts disclosure or theft of confidential customer information to unauthorized parties(e.g. hackers), failure to marketing requirements, supply, failure to provide reliable service on the basis of the frequency, or duration of service interruption, customer complaints about the difficulty in e-banking practices and the inability of essential services desk to resolve problems, and confusion between services that are provided by the financial institution and the services which has been supplied by other businesses, which has been linked from the site. d. Purpose of Study E-Commerce revolutionized the way business is headed. New business models to replace outdated and organizations to think of business processes and customer relationship management strategies drafts. Banks are no exception to this transformation. This study examines the views of bankers on providing banking services to help customers use the tissue. Specifically, it speaks expenditure, such as the strategic need for Internet banking, its effect on client-bank relationships, and the experiences of customers in internet banking. Advantages of internet banking to banks I. Cost savings Orr (1999) states, the electronic processing dramatically reduce the cost per procedure, according DiDio (1998), the average transaction cost at a full service bank about $ 1.07. It reduced to $ 0.27 an ATMS and falls to a penny if the same transaction is conducted on the fabric. Also, there are opportunities for banks to hand over customer invoices electronically. The cost to deliver invoices to be electronically much lower than when the bill was in paper form, which has been delivered through the mail. Irvine (1999) states, the electronic bill presentation costs 40% less than paper delivery. These cost savings can offer customer pays, and similar reduced costs of the banking system and still provides effective and differentiated services. II. Loyal customers Loyal customers have in a new study that was conducted by Forrester Research, 61% of respondents claimed that if their banks offered financial services that they wanted, they would prefer the service of the Bank use. With this knowledge of the Offering consumers interest in mind to move banks, a hub of financial services including bill presentation and payment, financial planning, estate planning, insurance, loans, and brokerage services. The Internet allows for these converging financial services not previously available in one central location. III. Offer additional services Do you offer additional services as mentioned above, to move many banks to offer customers a financial portal? This portal concept offers banks a new role in the business of serving customers. Simply an Internet presence has not supplied one income stream banks. However, by offering a wide array of products and services that can benefit from internet banking integration. By creating financial portal where consumers can manage a wide range of financial activities, such as stocks and mortgages, banks can benefit from offering Internet capabilities to help customers (Wah, 1999). IV. Internet Profit Generation E-commerce, if properly integrated into existing banking operations can lead to significant cost savings and higher profitability. Find cost savings due to automate customer negotiations, such as fund transfers, payments, account balance inquiries etc. Strategic alliances with insurance companies, mortgage companies and stock brokerage firms can lead to additional business opportunities that will otherwise go unfulfilled. In addition, banks can retain customers more effectively if offering services, the value-addition are. High-profit customers, which some studies suggest that entice the demographic of internet banking customers. Wells Fargo Bank online customers have an annual median income of $ 75,000 with higher education levels than the average wells Fargo customer (Hoffman, 1999a). Also this group of customers is more profitable than the bricks-and-mortar counterparts. They generate 50% more income than the average wells Fargo customer, holds a 20% increase in balance, yet uses 50% product, and its wear rate is 50% of the total wear rate. Furthermore, on average, it costs 14% less compared to those customers bricks-and-mortar customers (Time well and Kung, wait 1999). Advantages of internet banking to consumers A. Cost savings Cyberspace is cheaper to operate than brick and mortar structure, and this cost advantage can often be further passed to consumers. The Internet Banking cost structure allows consumers to receive cost savings, and financial benefits for depositing online. A comparison of the (e-banking) and depositing one (parent bank a brick and mortar bank) offers an illustration of this point. For checking accounts Wingspan offers an interest rate of 4.5% interest, which is compared, one1%deposit.It also offers more options begins in the mortgage and insurance, with 60 loaning companies and 15 insurance salesmen. It also offers customers an advantage over to his parent in the field of electronic bill payment, which offers the service for no extra charge, while depositing, one invites $ 4.95 per month (, 1999). B. Access to additional services On Basic transactional web sites allows customers to check account adjustments, possession and new banking statements. Systems that allow customers to initiate negotiations on-line, such as transferring money between accounts or making payments, provides customers additional benefits. These elevated sites allow customers to pay bills to request and review loans and mortgages, credit cards and checking accounts. The financial institutions that offer extensive online services, well, are set to be a leader (Hickman, 1999). By offering this great umbrella of the service trust of one who pays the institution, these companies can save a larger share of the financial transaction from a customer. C. A good shopping stop: Banks, adds real time loan applications, added the ability to make IRA investments, the opportunity to trade shares through their websites. The tendency for flocking that is pays predicted to shape the future of Internet banking on. This concept of one-stop shopping is convenient and leads to more satisfied customers. 2. Literature review In literature review I shall discuss the following: a) Critical review of the literature as Use of relevant literature b) Evidence of understanding the ideas expressed c) Develop a critical focus Critical Review of the literature: Paying online or Internet offers consumers and business like the convenience of managing banking and financial responsibilities of home A. Online banking can also be a lifeline for those who can not leave his house, or may live in rural areas where access can be restricted to banks. To be able to check your bank, savings and justify Digital Banking customers have a range of internet banks have to meet those needs to ensure customer loyalty. Consequently, change Internet banking services in general, and on finding feedback paid online services are important to this book. Our investigations of online banks allow you to compare internet banks and to find the best service that is available with investigations of Lloyd internet banking, a paid online, a HSBC and Barclays internet charges among others. If you are Internet banking, please send us your internet, the review and makes known repaying us your thoughts and experiences of the personal Internet banking INTERNET BANKING SERVICES AND FEATURES i. Checking your balance and statements online ii. Fund Transfers iii. Bill Payments iv. Managing savings and current account v. Cards service vi. Order cheque and books request vii. Please ask for stop cheque payments viii. Fixed Deposit accommodation ix. Requested by the Statement Internet distribution strategy decisions These are the key strategic decisions for e-marketing with strategic choices for traditional marketing. They engage in selective target customer groups and giving, how to deliver value to these groups. Segmentation that aim is to have differentiation and positioning of the entire key to effective digital marketing; the main thrust of the e-marketing strategy is takes decisions on the selective targeting of client groups and different forms of value delivery for online channels. It is a similar issue with e-buyer strategies see link at the footer of the article. In an e-marketing context, we can say: a. E-marketing strategy is a channel strategy. b. Specific e-marketing objectives must be set adoption rate of e-channels have been compared to other channels for different audiences. c. E-channel strategies thrive on creating a different value for all parties to a negotiated. d. But E-channel does not exist in isolation, so we still need to manage channel integration, and acknowledges that the adoption of e-channels will not be suitable for all products or services or generates sufficient value for all partners. Thus E-marketing strategy is defined as we should: a) Communicate the benefits of using e-channel. b) Guide Put priority on public or partners for e-channel adoption of third targeted. Set priority products and has sold through e-channel purchased. c) Achieve our goals through e-channel tactics for online customer acquisition, conversion (conspiracy) and retention. A strategic option exists to replicate offline segmentation, which aims at a differentiated manner, and in the online channels. While this is relatively easy to run the company will likely lose market share, compared with more nimble competitors who modify their approach to online channels. An example of a strategy makes no grocery shopping, where some pet shops have released to all parts of the country or not, not providing the service in general. These supermarkets will lose customers to the most enthusiastic adopters of online channels, such as Tesco and Sainsbury; the victory will be difficult to be back sides in future. Segmentation / strategy aimed at company online customers have different demographic characteristics, needs and offline behavior to its customers. It follows that different approaches may be required to segmentation, and specific sectors may be choosy need to be targeted. The manner / the online product differentiation strategy competitors and service offerings are often different in the online environment. Develop a suitable online value proposition is as below describe an important aspect of this strategy. Has many examples of online information is based on the lower costs achieved distinction in and retaining online customers, which are then passed to customers. Examples include: Retailers offering lower prices online. For example Tesco (price promotions on selected products), Comet (discounted when compared to in store on some products) Lower cost airlines offers flights to online bookings. Examples: easy Jet, Ryan air, BA. Financial services firms offering higher interest rates on savings products, its lower interest rates on credit products such as credit cards and loans. Examples: Nationally, federal and Leicester. Mobile phone network provider or Utilities, the lower cost of fares or discounts offered for customer accounts that are managed online paperless billing. Examples: O2, British Gas. Other options for differentiation are available on-line for companies where their products are not suitable for sale online, such as high value or complex products or FMCG brands sold by retailers. These companies may use online to add the brand or the product value by provide additional value services or different types of experience. 1. Online CRM strategy: It will focus on various aspects of the customer life cycle for online customers in terms of: Acquisitions Strategies, attract new customers to a company, and existing customers about online channels, to migrate. Separate targets should be set for each. Retention using online channels proliferate, retention, and value of the customer company. Reactivation encouraging continued use of online channels from customers that have passed, for example, had online or home shopping service, buys the service, but has now stopped. This may be driven by setting targets for% active customers. Customer knowledge (familiarity) learning more about the customer through profiling and monitoring of behavior. 2. Online value proposition strategy: It defines the value proposal for the acquisition and retention, engage with customers is online. Close communicative and promotional incentives which use to encourage trial. Program also defines the value creation through time for example, white papers are available for example monthly or seasonal sales promotions made. 3. Online has targeted range strategy. Objective: Communicate with relevant online audiences to achieve communication goals. The communications typically include: building brand awareness and favorability build impulsive online purchase, growing offline purchase intent, list or migrating existing customers to online channels. Focus: New customer acquisition: Communication strategy with selected sections of online customers through media buying, PR, is to sending e-mail, viral campaigns and sponsorship or partnership arrangements. Driven by goals of the online audience is share and number of visitors placed in different sections. The strategy may involve: A. To drive visitors to the company office B. To achieves brand awareness and interactions on third sites. C. Building brand awareness, favorability and purchase intent on third may be a more effective strategy for low participation FMCG brands, where it will be difficult to encourage visitors to the site. D. Offline has targeted range strategy. Encourage Target: Potential customers who use online channels that Visit site and performed where relevant. Focus: New customer acquisition and migration of existing customers online. Strategy to communicate with selected customers, divide by offline direct marketing, media buying, PR and sponsorship, driven by goals of the online audience share and number of visitors placed in different sections. E. Offline Sales Impact Objective Strategy: Use on-line communications, sales achieved by offline channels. Focus: Achieving sales off-line (new or existing customers may be defined) strategy, such as on-line communications through the website and the e-mail offline sales i.e. influenced by phone, mail or in-shop can. F. Online Sales Efficiency Strategy Objective: Job visitors turn to buy Focus: Achievement sales online (may encourage new or existing customers to be) For transactional e-commerce jobs, a strategy that point visitors to purchase online mercantile, promotions, etc. For other types of agencies multiplying conversion factors leads. As part of this strategy options to convert visitors to action, exploring reduce (or attribution installments) is, i.e. first-time buyer promotions, job design improvements, website and landing page optimization. Triggered event, has e-mails are used automatically to convert potential sales to sales. Introduction: Although cost in retail banking in Europe is confronted with quite similar challenges and changes that are changing responses considerable. 1. This shows the changes in the strategic orientation: Which are apart from walking organization structures by individual banks and different characteristics of national markets? The operating authority and the capitalization of banks play an important role in the selection of a suitable banking strategy. Country-specific factors include customer benefits, the degree of competition and informal legal framework, among other things, a. This article focuses on retail banking strategies. The emphasis is on retail banking in the broadest sense of the word. In fact, many banks have re-discovered in the retail cost, which pays for the collapse, charges of operating and investing activities and the fall in stock prices over the last few years. In section two we begin with a brief summary of known trends in banking. Sections three to four focuses on domestic and international banking strategies, respectively. Both sections have the same statement. The first part describes the retail banking strategies in general. The second part of the business with strategic positioning of the Rabobank Group and explains how Rabobank Group with these general trends and challenges overcome. 2. General trends in European banking Which will be depositing the Europeans who pays the countryside, continue to experience dramatic change over the next few years (see McDonald. Trends affecting the banking industry include privatization, regulation and supervision, demographic factors, a technological innovation yet the EMU and the importance of propagating sustainable banking. The privatization of banks is high on the agenda in France, Germany and Italy. As the influence of government relations in competitive weight loss financial sector, and in the banking industry in particular, is experiencing significant change. Developments in regulation and supervision affect the banking industry through various Channels. It was not until deregulation of the financial sector will continue to eat away the barriers that deny access to the market for new suppliers of financial products. On the other hand, we see an increase in national legislation, particularly in the area of consumer protection. Regarding supervision, the new BIS capital adequacy rules, tremendous impact on the all banking business have. The combination of an aging population in Europe and financial constraints on state pensions will be a surge in filling retirement benefit plans to produce. These various developments are the implications for traditional forms of saving and, therefore, for the financing activities of banks have. In this respect, an analyst strong growth among institutional investors, including pension schemes before. 1. Does German bank Research for an analysis of banking strategies in European countries. 2. Argue that technological developments are fundamentally changing the cost structure, output mix and distribution channels of banks. Actually, he goes too far say that the developments in information technology the most fundamental force for change in the financial sector. Those procedures for deeper and more liquid markets resulting from EMU main euro will continue for some time. These will increasingly cheaper and easier for medium and large corporate do, raise money directly in these markets instead of borrowing from banks. Finally, the growing importance is sustainable banking is a tendency that can not be denied. Banks will judge on their apparent social and selected environmental responsibility by customers and investors. 3. All these driving forces behind the structural changes in the Europeans, pays the industry not only has an independent effect on the structure of the market, but also acts on each other and thus enhance can. These factors include far-reaching implications for the market structure, the characteristics, such as: concentration, capacity, competition, efficiency and profitability. There is competition among banks but also between banks and other things, the new financial intermediaries to be strengthened. 4. Internal strategy of costs in retail banking. This section describes strategies in general. The strategic vision and the election of the Rabobank Group are discussed in section 3.2. 3.1 Inside strategic options, strategies Deposit, improve performance, and grow in domestic markets, can in three Main categories are divided: To distinguish A. Cost reduction B. Income growth or organic C. Associations, and acquisitions and cost reduction frets A. Different costs, the strategies can reduce as regular as thin down, multi channeling, and outside-in and co-sourcing. Thin down refer to the assessments of banks of ways to improve their internal cost structure, and to increase efficiency. This takes place when economic conditions are unfavorable, and happens every few years. New elections are on priorities and the bands of the working staff is close been investigated by the bank. Other companies, banks tend to grow fat in prosperous times, is usually compensated for in an economic downturn. An additional driver for cost reduction is the current trend of changing distribution channels that are caused by ICT innovations. Banks will be forced to invest heavily in ICT to stay competitive. Most banks now use a multiple approach in guiding the distribution of their products and the maintenance of their customers. Use branches, telephone, ATM and Internet all at once. The public has a massive shot to the new (direct) channels, which have r educed the number of visits to the bank itself, the development of customer and a blueprint for the future. This change provides customers preferred a great opportunity to reduce the cost of relatively expensive branch network to. Many banks are therefore currently re-examining their distribution processes. However, ICT investments are high and therefore it is increasingly important for banks to organize their back offices in the most effective way. Sufficient scale to reduce unit, or transaction costs are the key. Banks can choose from several strategies to optimize their back office activities: co-sourcing, in sourcing to stock and white labeling off. Co-sourcing is the caterer of back office platform with another bank. In sourcing means the back office operations for other parties running in order to realize sufficient scale. Outsourcing is the order of activities and buying them back from other companies. White Label states the production of products for others, mostly non-financial parties without a label. 5. within organizations, can set up to scale economies of shared customer service centers are met. Shared customer centers show the interlocking of back office operations of several subsidiaries. They can be seen as an internal coor in sourcing initiatives. 6. This strategy is described under the income increases, the strategies. Technically speaking depend, is the preferred strategy Art sourcing mainly on the shape of cost curves for a certain product, the position of the bank on that curve, and the price of the option. 7. There are three hypothetical cost curves from the shape of the curves may differ for different products, because the relationship between fixed and Variablekosten varies per product. The curves do not necessarily show a continuous downward slope with wax volumes, since likely at some point need new investments to be treated, propagation, characterized scale. Theoretically, therefore, can lead insourcing, intuitive results counter: multiplying unit cost. The position of the cost curves can also differ between countries, which are the main driver behind the current trend of outsourcing ICT activities to low wage countries such as India. Expect 2 Hypothetical devel