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How to Erase Student Loan Interest and Penalties - A Guide for International Student Most American understudies move on from school with about $30,000 in understudy credit obligation. The weight that paying off these credits puts on you can debilitate, and your future starts to look bleaker and bleaker. Regardless of the fact that you get a not too bad paying occupation, you ll be spending so much cash paying down your credits every month that you won t have sufficient energy to make the most of your more youthful years. Try not to stress You are not the only one. There a million wrong approaches to approach paying off your understudy obligation and just a couple right ones. This article is going to help you tell the great from the terrible. There are some ways you can lower or even invalidate your financing costs, and there are approaches to return from punishments. The Grace Period Interest Game In the event that you ve just as of late graduated, you re likely overpowered with paying back your understudy credits, as well as finding an occupation, a spot to live, acclimating to another city, and so forth. This will be a standout amongst the most attempting times of your life. That is accurately why understudy advance organizations offer elegance periods, yet don t be tricked into suspecting that they re doing this to be pleasant folks. Six months of no installments implies a bigger main equalization, and a bigger chief parity implies more cash for them. Try notShow MoreRelatedFinance6839 Words   |  28 Pagesof issues in international finance and global financial markets. It covers topics such as sport and forward exchange rates, interest rate parity, currency hedging and exchange rate forecasting techniques. 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Introduction This subject extends financial management to an international context and is an essential component of international business studiesRead MoreFjjj7044 Words   |  29 Pages10:30 - 12:30, 67-104 Wednesdays (Repeat Lecture), 17:30 - 19:30, 20.4 Pre-requisites: ACCY201 Co-requisites: Nil Restrictions: None Contact Hours: 2 hours lecture and 2 hours tutorial Online Subject Material: http://www.uow.edu.au/student/index.html (enrolled students can log on to the eLearning Space through SOLS using their UOW email login user account name and password for authentication) Teaching Staff Teaching Role Coordinator, Lecturer and Tutor Lecturer Name Mrs Sandra Chapple Ms SanjaRead MoreA Project Report on Study of the Axis Bank Its Financial Services and Consumer Perception of Its Services.12807 Words   |  52 PagesIn Pondicherry University Session- 2009-2011 Submitted by : - Farhan Khalid Enrolment no. : - 2209370009 MBA :- Finance DIRECTORATE OF DISTANCE EDUCATION PONDICHERRY UNIVERSITY PONDICHERRY- 605 014 2011 CERTIFICATE OF THE GUIDE This is to certify that the Project Work Titled â€Å"AXIS BANK- ITS FINANCIAL SERVICES AND CONSUMER PERCEPTION OF ITS SERVICES† is a bonafide work of Mr. Farhan Khalid, Enrolment No.: 2209370009 Carried out in partial fulfillment for the award of degreeRead MoreFactors Affect Choice of Bank Services23387 Words   |  94 PagesLIST OF ACRONYMS AHP AIB ATM BOA CBE CBO CP CPA DB ERCA KMO LIB n.a. n.d. SPSS UB WB Analytical Hierarchy Process Awash International Bank Automated Teller Machine Bank of Abyssinia Commercial Bank of Ethiopia Cooperative Bank of Oromia Customer Preference Principal Components Analysis Dashen Bank Ethiopian Revenues and Customs Authority Keiser-Meyer-Olkin Lion International Bank no author no date Statistical Package for Social Science United bank Wegagen Bank ix ABSTRACT To plan a suitableRead MoreBusiness organisation Essay5280 Words   |  22 Pagesand Douglas Wood 1. INTRODUCTION The case study is concerned with how a long-standing market leader tries to maintain market share and develop its business in an industry undergoing significant change. Students are challenged to formulate, evaluate and compare a range of strategic options and to choose the best way forward for Barclaycard 2. POSITION OF THE CASE The Barclaycard case study lends itself to illustrate how to identify and evaluate possible courses of action. In particular,Read MoreAccounting for Non Accounting Students45396 Words   |  182 PagesinggLecturer’s Guide Accounting for Non-accounting Students Sixth edition J R Dyson ISBN 0 273 68301 2  © Pearson Education Limited 2004 Lecturers adopting the main text are permitted to download the manual as required. Pearson Education Limited Edinburgh Gate Harlow Essex CM20 2JE England and Associated Companies around the world Visit us on the World Wide Web at: www.pearsoned.co.uk First published in Great Britain under the Pitman Publishing imprint in 1997 Second edition publishedRead MoreInternship Report on One Bank13005 Words   |  53 Pagesinternship program in an integral part of the BBA program that all the students have to undergo of North South University. The students are sent to various organizations where they are assigned projects. At the end of the program, the internships are required to place the accomplishment and finding of the project through the writing of the internship report covering the relevant topics. During the program, supervisor guides each student-one from the university and the other from the organization. ThisRead MoreSolutio of Gitmans Finance.Doc5855 Words   |  24 PagesPART 6 Special Topics in Managerial Finance CHAPTERS IN THIS PART 16 Hybrid and Derivative Securities 17 Mergers, LBOs, Divestitures, and Business Failure 18 International Managerial Finance INTEGRATIVE CASE 6: ORGANIC SOLUTIONS CHAPTER 16 Hybrid and Derivative Securities INSTRUCTOR’S RESOURCES Overview This chapter focuses on other sources of long-term financing: leasing, convertible bonds, convertible preferred stock, and warrants. The basic features, costsRead MoreThe Role of Financial Institutions in the Economic Development of Bangladesh11088 Words   |  45 Pagesfinancial institutions are highly regulated by government. Broadly speaking, there are three major types of financial institutions: 1. Deposit-taking institutions that accept and manage deposits and make loans, including banks, building societies, credit unions, trust companies, and mortgage loan companies 2. Insurance companies and pension funds; and 3. Brokers, underwriters and investment funds. Function Financial institutions provide service as intermediaries of the capital and debt marketsRead MoreSingapore- Essay6469 Words   |  26 Pagesschools  receiving  government  funding, but also has an advisory and supervisory role in respect of  private schools. For both private and state schools, there are variations in the extent of independence in their program, scope of government aid and funding,  tuition  burden on the students, and admission policy.[4] Education spending usually makes up about 20 per cent of the annual  national budget, which subsidies state education and government-assisted private education for Singaporean citizens and funds the  Edusave  programmed, the

Media Violence Persuasive - 1556 Words

Is Your Child Exposed to Media Violence? We live in a society where violence is meticulously and silently engraining in our daily lives. As time progresses, the entertaining media that children and adolescents have access to everyday such as movies, commercials, TV shows, children’s cartoons, video games, toys, etc. become more and more violent. Media violence negatively affects the behavior of those exposed to it, especially children and teenagers who experience violent media on an everyday basis. With the new generations being born and raised in a society where violence is widely accepted and expressed, children are showing violent behavior in earlier stages of life, which often begins with verbal threats or minor incidents, but†¦show more content†¦Children are ought to believe that in reality violence is the way to end conflict and that in doing so they need to be rewarded instead of corrected. There is a fine but real line between what is healthy and not in television for children to watch, with b ig prosecutions that in the long run include police involvement, jail, and ultimately death. Furthermore, death is not only one of the causes of youth violence; in present time death is also the most common. â€Å" In the year 2000, violence -- suicide, homicide, accidents, and assaults -- was the leading cause of death among young people† (Media violence: facts,† 2005). If none of the above statements made against media violence have been convincing, this should at least be shocking to most. How is it possible that living in a society where we call ourselves superior and modernly developed, acts of violence account for the most part of youth deaths? And not only that but nothing is done to change this pattern. It could be arguable that the youth’s violent behavior involved with the deaths mentioned is not necessarily correlated with violence in the media, but to a genetic disparity. Even though this could be it has been researched that â€Å"very young children will imitate aggressive acts on TV in their play with peers† (Beresin, 2009).These agg ressive imitation soon outgrow from just play to real case scenarios when the children grow up, causing atrocious effects. Media violence and its consequences areShow MoreRelatedMedias Influence of Society Essay1137 Words   |  5 Pagesphone won’t get reception and your computer wouldn’t turn on. You’ve lost your music, your favorite TV show, your Facebook and lots more. As you can see the media is very important and popular. The media has been a popular creation throughout the decades. As time passed the media develops from magazines to the television to the internet. The media in our society is everywhere. We see it everywhere from the time we wake up until we go to sleep. We wake up, eat breakfast then we turn on the televisionRead MoreEssay on Violent Media...Good for Kids? 970 Words   |  4 PagesIn â€Å"Violent Media is Good for Kids† Gerard Jones introduces us to his fearful and lonesome childhood. He lived in a world where he was taught to be the violence fearing, and passive boy his parents wanted him to be. But, when one of his mother’s students gave hi m a Marvel comic book, his fearfulness was transformed into inspiration. He found a way to escape these discouraging feelings through the â€Å"stifled rage and desire for power† (Jones 285) that he had newly found. The popular comic book heroRead More Exposure to Media Violence Essay1460 Words   |  6 PagesThe relationship between the viewing of violence in such forms as video games and television shows has been widely contested and thoroughly researched. Various conclusions can be drawn from multiply sources, though as of yet there has been no one final conclusion as to the nature of the relationship. Some research has studied how media violence can affect other aspects of behaviour, such as memory (Bushman 1988), or the long-term effects that it can have from early childhood, to adolescence (HuesmannRead MoreThe Effects Of Television Violence On Children1735 Words   |  7 Pagesbabysitter or even as a parent. Violence and obesity are two major effects of television on children. In fact, violence on television is harmful to all viewers, especially children. Countless studies have been done in the past 30 years that maintain that television violence has strong effects on young people. Researchers purport that many consequences result from spending a large amount of time viewing television. Those who have found a correlation between television violence and real life aggression repeatedlyRead MoreRhetorical Analysis Of Violent Media Is Good For Kids 1912 Words   |  8 Pages10 October 2017 A Rhetorical Analysis of Violent Media is Good for Kids From early childhood, parents, teachers, and other adults instill in us that violence is bad and unethical. We can all agree that we should avoid certain forms of violent behavior if possible; however, it is incorrect to assume that all forms of violence is bad. In his article Violent Media is Good For Kids, Gerald Jones argues that creative violence such as gory video games, Comic books, and play fighting giveRead MoreViolence Essays1626 Words   |  7 PagesViolence Boink! Boom! Crack! The sounds of the fight scene rage on. Many have fallen in this particularly bloody battle. The good guys have taken their losses but struggle on to what is seemingly a victory. Their aggression is fierce and helps them. Fires consume the background; men and women lie on the ground in pain. Even if it werent for the bombs, missiles, bullets, etc. that are flying around, hand-to-hand combat would have got the better of them. It was a classic battle scene when lookingRead MoreAre Violent Video Games Are Harmful To Children And Adolescents?1729 Words   |  7 Pagesover time, usage of violent video games among youth has increased dramatically. This occurred because of the introduction of â€Å"first-person shooter†. This feature has led to video games becoming more and more graphic. It is because of this increased violence, researchers concluded that video games do alter the way players make decisions in their lives. It changes the way that the brain function s. This altered brain activity is correlated to increased aggression. In the position of first-person shooterRead MoreViolent Video Games And Aggression1780 Words   |  8 Pagesoutcomes and what outcomes supported their hypothesis ignoring those that did not support their hypothesis.() There are many on the opposing view side who believe that the media and technology, along with violent video games, have been negatively influencing the children of today s society. In order to restrict this kind of media violence, researchers will display evidence that supports their viewpoint, even if that evidence is insignificant to representing the population. According to , the estimationRead MoreMedia s Effect On Society1496 Words   |  6 PagesMedia presents us with many types of negative messages. Mass media tells us how we should look and behave in society. Adds in the media sell more than product they are selling an image. Violence is persuasive and now a troubling aspect of the new wor ld. Media shows us that women need to have the newest trends and ultra-thin bodies to be considered beautiful in society. It tells us that the most important thing is our image. Jean Kilbourne talks about how the image of woman has changed so much overRead MoreViolent Media Is Good For Kids By Gerard Jones864 Words   |  4 PagesIn the article, â€Å"Violent Media Is Good for Kids†, the author, Gerard Jones, begins by providing background information about himself. As a child, Jones was taught that violence was wrong, and as he grew up, he learned that violent comics and stories aided him to become an action movies and comic book writer. In his article, the author addresses why violent media are good for children. He points out that it helps them transform better socially, explore and conquer their feelings, and improves self-knowledge

Critical Analysis of the Integrated Marketing Communications in the UK Free Essays

INTRODUCTION Over the last decade, product marketing and ways through which communication takes place between manufacturers and consumers has changed tremendously (Belch Belch 2004). Due to the technological revolutions and the rise of innovations such as the mobile phones and the internet, control over information has shifted apparently from the manufacturer’s hands to the hands of consumers (Belch Belch 2004). The market environment has also changed due to globalization of marketing strategies, loss of confidence in mass media advertising, increased reliance on targeted communication methods, and media fragmentation and so on (Belch Belch 2004). We will write a custom essay sample on Critical Analysis of the Integrated Marketing Communications in the UK or any similar topic only for you Order Now Given the changing market environment, the need for more efficient and cost effective marketing strategies has induced changes to the way marketers conduct their marketing activities and led to the adoption of more integrated approaches (Dewhirst Davis, 2005). The consequence has been the adoption of a more holistic customer oriented approach to conducting marketing communication activities, a process often known as Integrated Marketing Communications (IMC) (Dewhirst Davis, 2005). IMC CONCEPT A vast number of studies have made attempts to define the term Integrated Marketing Communications. One of the most succinct and widely accepted definitions of the IMC concept is that defined by the American Association of Advertising agencies (AAAA). That is, â€Å"a concept of marketing communications planning that recognizes the added value of a comprehensive plan that evaluates the strategic roles of variety of communications disciplines (for example, general advertising, direct response, sales promotion, and public relations) and combines these disciplines to provide clarity, consistency and maximum communications impact† (Arnott Fitzgerald 1999: p.4). RATIONALE OF THE STUDY IMC has moved beyond simple communication to the use of promotional elements in a unified way in order to create a synergistic communication effect (Cornelissen 2001). It has become a powerful tool for developing and implementing marketing communications consistently and more effectively; and is certainly one of the most innovative marketing functions endorsed by advertising and marketing practitioners (Cornelissen 2001). Despite its continuing appeal, this concept has become a subject of great controversy with regard to its merits and validity. In the recent years, a controversy has emerged between the proponents and opponents of the IMC concept. While the proponents suggest that the concept represents a revolutionary way to organizing marketing efforts and enhancing the brand awareness, critics argue that the concept is simply a â€Å"pop management theory† without a solid theoretical base (Duncan, 2002). Others contend that the IMC concept suffers from ambiguity in its definition and practice (Eagle Kitchen 2000). It is thus the sole purpose of this analysis to critically explore on the IMC concept and its synergetic communication effects in relation to advertising strategy and planning in the UK. HISTORY OF THE IMC CONCEPT The origin of the IMC concept can be traced back to the 1990s when Prof. Don Schultz first introduced it at Northwestern University (Kitchen Schultz 1998). Back in the 1960s and 1970s, marketers relied primarily on the advertising agency for the development of all marketing communication activities (Kitchen Schultz 1998). In the recent years, two strands of change have however occurred. That is, the wider appreciation of techniques and the creation of specialist companies that deal with specific marketing communication areas (Dewhirst Davis 2005). As a result, there has been a progressive fragmentation of provisions in this field. Initially, there was an emergence of specialists in the various fields of marketing communications such as direct marketing, public relations, and sales promotion among others (Duncan Moriarty 1997). Today, there are various companies with the ability and expertise to advertise their brands using a wide range of communication medium (Dewhirst Davis 2005). As a result of the IMC concept, marketers are increasingly employing several devices which were once the domain of dedicated and specialist companies (Dewhirst Davis 2005). This concept has been embraced in practice by many companies not only due to the acquisitions and mergers which have resulted in consolidation of the advertising industry but also due to the synergies that have emerged from the integration of the various communication activities within the IMC framework (Dewhirst Davis 2005). LITERATURE REVIEW The IMC concept has also received greater attention in the academic sphere. Several academic journals have devoted space to explore on the deeper implications of IMC in advertising and planning (Low George 2000). These include: journal of marketing communications, journal of Advertising research and journal of Business research among others. Scholarly work on IMC, however, seems to be evolving from the limited view of effective coordination to a strategic process (Low George 2000). The depth and breadth of research in the field of IMC has also evolved since its initial inception in the late 1980s. A review of the various publications and scholarly work on IMC shows recurring themes, in particular, themes related to the definitional issues of the IMC concept and its theoretical development (Low George 2000). Several scholars have undertaken and sufficiently discussed on the IMC concept by providing more in-depth literature reviews, which will not be repeated here. Of particular interest is the work undertaken by Shultz et al., (1993). CRITICAL ANALYSIS OF THE IMC CONCEPT IN RELATION TO ADVERTISING AND PLANNING IN THE UK According to Shultz et al (1993), the IMC concept is based on a holistic view of marketing communications whereby brands capitalize synergies among advertising, public relations, direct response and sales promotion; and combines these communication disciplines to provide consistency, clarity and maximum communication impact. Each of these promotional elements plays a major role in marketing communications. Advertising: – due to its amplified expressiveness, persuasiveness and public presentation, advertising campaigns have become extremely important in creating awareness about the product, company or brand (Peltier, et al 1992). Sales promotion: – campaigns for sales promotions offers some kind of stimulus (free sample, discount etc.) and are more preferable in cases where new products are being launched (Hutton 1997). Public relations: – since public relations are characterized by high credibility, PR campaigns enjoy a high level of trust among the potential customers (Riley James 1991). Direct marketing: – this approach is based on databases that contain information of potential customers. Therefore, direct marketing offers greater opportunities to reaching the target audience (Peltier, et al 1992). As Shultz et al (1993) asserts; the coordination of these promotional activities is necessary to deliver a clear, consistent and competitive message about the brand. It is important to recognize that consumers often combine information from various media. In order to prevent them from integrating this information inconsistently, marketers must take charge of this process so as to deliver clear and consistent information about the brand (Schultz, 1996). The overriding purpose of the IMC framework is managing all marketing activities that impact profits, sales and brand equity (Schultz, 1996). A good example in the UK can be seen with Wrigley Company which developed an integrated marketing communications program in January 1998 that brought with it tremendous effects in terms of the cost and time devoted to the campaign (Anon 2000: p.89). The program cost the company approximately 500,000 pounds in the first 18 months. The aim of the program was to persuade the dental profession to recommend the use of sugar free chewing gum by raising awareness of the role of saliva in dental health (Anon 2000: p.89). Among the promotional elements included in the program were advertising in the trade press, a quarterly magazine, a patient education action pack, posters and leaflets (Anon 2000: p.89). The results were amazing with about 73% of the dentists recommending sugar free gum to patients, up from 44% before the campaign (Anon 2000: p.89). This provides a good illustrative example of the synergetic effect of combining several communication instruments (advertising, personal selling, sales promotion, and public relations) in a solid integrated campaign. COMPARISON OF THE IMC MODEL TO THE STANDARD MODELS The main advantage with the IMC model over other models is that it provides for the joint effects or synergies which are generated by the orchestration of the multiple marketing activities discussed above (Duncan Everett 1993). The major difference between the IMC model and the standard models is that, unlike traditional marketing, the effectiveness of each activity depends entirely upon the other communication activities (Eagle Kitchen 2000). Also, while traditional marketing employs a â€Å"push† strategy whereby communications are designed to promote the firms products, the IMC model on the other hand employs both the â€Å"push† and â€Å"pull† strategies by incorporating feedback from the customers so that the firm’s products and communications can be adjusted to meet the needs of the end user (Eagle Kitchen 2000). CONCLUSION Clearly, we have established that the major benefits of the IMC framework is its ability to create synergies among the various marketing communications disciplines and to combine these disciplines to provide clarity and consistency of the set of messages conveyed to target audiences. It therefore follows that, in order for firms in the UK to remain successful in the competitive environment, they must adapt to this new approach to marketing. All marketing communications must be designed from the view point of the customer and interwoven together in a manner that forms a coherent whole. Undoubtedly, the integrated planning and implementation of the various communications mediums is far more effective in achieving maximum communications impact than their separate usage. (1, 569 words) REFERENCES Anon, 2000. Some aspect of measuring integrated marketing communications. In: Economics and organization, p. 89 Arnott, D., and M. Fitzgerald, 1999. Marketing communications classics: An international collection of classic and contemporary papers, Thomson Learning Belch, G. E., M.A. Belch, 2004. Advertising and promotion: An integrated Marketing communications perspective. 6th edition. New York: McGraw-Hill/Irwin. Cornelissen, J. P., 2001. Integrated marketing communications and the language of market development. International Journal of Advertising, vol. 20(4), pp.483-499. Cornelissen, J. P., A.R. Lock, 2000. Theoretical concept or management fashionExamining the significance of IMC. Journal of Advertising Research. Vol. 40(5), pp.7-15. Dewhirst, T., B. Davis, 2005. Brand strategy and integrated marketing communication (IMC). Journal of Advertising, Vol. 34(4), pp.81-92. Duncan, T., 2002. IMC : Using advertising and promotion to build brands. New York: McGraw-Hill. Duncan, T., S.E. Everett, 1993. Client perceptions of integrated marketing communications. Journal of Advertising Research, Vol. 33(3), pp.30-39. Duncan, T., S. Moriarty, 1997. Driving brand value: Using integrated marketing communications to manage profitable stakeholder relationships. New York: McGraw- Hill. Eagle, L., P. Kitchen, 2000. IMC, brand communications, corporate cultures. European Journal of Marketing, Vol. 34(5), pp.667-686. Hutton, J. G., 1997. A study of brand equity in an organizational-buying context. Journal of Product Brand Management, Vol. 6(6), pp. 428-437. Kitchen, P. J., D.E. Schultz, 1998. IMC – a UK ad’ agency perspective. Journal of Marketing Management, Vol. 14, pp. 465-485. Low S. George, 2000. Correlates of Integrated Marketing Communications. Journal of Advertising Research, Vol. 40, pp. 27-39. Peltier, et al., 1992. Direct Response Versus Image Advertising. Journal of Direct Marketing, Vol. 6 (1), pp.49-66. Reilly C. James, 1991. The Role of Integrated Marketing Communications in Brand Management, The Advertiser, Vol.1 (Fall), pp.32-35. Schultz, D. E., 1996. The inevitability of integrated communications. Journal of Business Research, Vol. 37, pp. 139-146. Schultz, D.E., et al., 1994. The new marketing paradigm: integrated marketing communications. NTC Business Books, pp. 105-156. How to cite Critical Analysis of the Integrated Marketing Communications in the UK, Essay examples

Supreme Court Nominees free essay sample

Examines the politics involved in the nomination of a new judge to the Supreme Court. Focuses on recent, ideological battles over the confirmation of nominees Robert Bork and Clarence Thomas. Many Presidents have found that the persons they nominate to the Supreme Court make decisions that are not in accord with the ideological views of President himself. There was a time when Supreme court appointments were undertaken in a pro forma fashion. Then, the Court was not considered an institution with as much power or importance as Congress and the Executive even though the three branches of government were supposed to be equal to one another. Yet, more recently battles over Supreme Court nominees have been heated, showing a shift in attitude as more and more policies are set by legislative fiat based on a reading of the Constitution. Presidents today want those they nominate to follow their ideology closely, but there is still no guarantee that this will occur. We will write a custom essay sample on Supreme Court Nominees or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Judges are human beings, and they change their views just as the public does, just as the political

History of Que Corporation

10 Steps for Finding Your Family Tree Online

10 Steps for Finding Your Family Tree Online From cemetery transcriptions to census records, millions of genealogy resources have been posted online in recent years, making the Internet a popular first stop in researching family roots. And with good reason. No matter what you want to learn about your family tree, there is a pretty good chance you can dig up at least some of it on the Internet. Its not quite as simple as finding a database that contains all of the information on your ancestors and downloading it, however. Ancestor hunting is actually much more exciting than that! The trick is learning how to use the myriad of tools and databases that the Internet provides to find facts and dates on your ancestors, and then going beyond that to fill in the stories of the lives they lived. While each family search is different, I often find myself following the same basic steps when beginning to research a new family tree online. As I search, I also keep a research log noting the places Ive searched, the information I find (or didnt find), and a source citation for each piece of information that I find. The search is fun, but less so the second time if you  forget where youve  looked  and end up having to do  it all over again! Begin with Obituaries Since family tree searches generally work their way back in time from the present, searching out information on recently deceased relatives is a good place to start your family tree quest. Obituaries can be a gold mine for information on family units, including siblings, parents, spouses, and even cousins, as well as the date of birth and death and place of burial. Obituary notices may also help lead you to living relatives who can provide further information on your family tree. There are several large obituary search engines online which can make the search a bit easier, but if you know the town where your relatives lived you will often have better luck searching the obituary archive (when available online) of the local paper. If you arent sure of the name of the local paper for that community, a search for newspaper and the city, town or county name in your favorite search engine will often get you there. Be sure to search out obituaries for siblings and cousins as well as your di rect ancestors. Dig Into Death Indexes Since death records are usually the most recent record created for a deceased individual, they are often the easiest place to begin your search. Death records are also less restricted than most records by privacy laws. While monetary restrictions and privacy concerns mean that the majority of death records are not yet available online, many online death indexes are available through both official and volunteer sources. Try one of these major databases and indexes of   online death records, or do a Google search for death records plus the name of the county or state in which your ancestors lived. If youre researching American ancestors, the Social Security Death Index (SSDI) contains details of more than 77 million deaths reported to the SSA since about 1962. You can search the SSDI for free through  several online sources. Details listed in the SSDI generally include the name, date of birth and death, zip code of last residence, and social security number for each listed individu al. Further information can be obtained by requesting a copy of the individuals   Social Security Application. Check Out the Cemetery Continuing the search for death records, online cemetery transcriptions are another huge resource for information on your ancestors. Volunteers from around the world have traipsed through thousands of cemeteries, posting names, dates, and even photos. Some larger public cemeteries provide their own online index to burials. Here are a number of free   cemetery search databases  online which compile links to online cemetery transcriptions. RootsWebs country, state, and county sites are another great source for links to online cemetery transcriptions, or you can try a search for your familys surname plus cemetery plus location in your favorite Internet search engine. Locate Clues in the Census Once youve used your personal knowledge and online death records to trace your family tree back to people who lived around the beginning of the twentieth century, census records can provide a treasure trove of information on the family. Census records in the United States, Great Britain, Canada, and many other countries are available online some for free and some through subscription access. In the United States, for example, you can often find living and recently deceased family members listed with their parents in the 1940 federal census, the most recent census year open to the public. From there, you can trace the family back through previous censuses, often adding a generation or more to the family tree. Census takers werent very good at spelling and families arent always listed where you expect them, so you may want to try some of these search tips for census success. Go On Location By this point, youve probably managed to narrow down the search to a particular town or county. Nows the time to head to the source for more detailed information. My first stop is usually the county specific Web sites at USGenWeb, or their counterparts at WorldGenWeb - depending upon your country of interest. There you may find newspaper abstracts, published county histories, biographies, family trees, and other transcribed records, as well as surname queries and other information posted by fellow researchers. You may have already come across some of these sites in your search for cemetery records, but now that youve learned more about your ancestors, you can dig even deeper. Visit the Library In the spirit of location, my next step in the family hunt is to visit the Web sites for local libraries and historical and genealogical societies in the area in which my ancestor lived. Often you can find links to these organizations through the locality-specific genealogical sites mentioned in step 5. Once there, look for a link labeled genealogy or   family history to learn about the available resources for genealogical research in the area. You may find online indexes, abstracts, or other published genealogical records. Most libraries will also offer  online searching  of their library catalog. While most local and  family history books  arent available for online reading, many may be borrowed through interlibrary loan. Search Message Boards Many great nuggets of family history information are exchanged and shared via message boards, groups, and mailing lists. Searching the archives of the lists and groups which pertain to your surnames and areas of interest may yield obituaries, family histories, and other pieces of the genealogy puzzle. Not all of these archived messages can be found via traditional search engines, however, necessitating manual searching of any lists of interest.  RootsWebs genealogy mailing lists  and message boards  include searchable archives, as do most genealogy-related organizations using  Yahoo Groups  or  Google Groups. Some may require you to join (free) before searching the archived messages Ferret Out Family Trees Hopefully, by this point, youve found enough names, dates, and other facts to help you distinguish your ancestors from others of the same name making it a good time to turn to the family research already done by others. Thousands of family tree have been published online, the majority of them included in one or more of these Top 10 Pedigree Databases. Be warned, however.  Many online family trees  are basically works in progress and may or may not be correct. Be sure to  verify the validity of a family tree  before incorporating it into your own family tree, and  cite the source of the information  in case you find conflicting data as your research progresses. Search for Specialized Resources Based on what youve learned about your ancestors, now you can search out more  specialized genealogical information. Databases, histories, and other genealogical records may be found online which focus on military service, occupations, fraternal organizations, or school or church membership. Stop by the Subscription Sites By this point youve exhausted many of the free online genealogy resources. If youre still having trouble finding information on your family, it may be time to tackle the pay-for-use genealogy databases. Through these sites you can access a wide variety of indexed databases and original images, ranging from the  digitized WWI Draft Registration records  at  Ancestry.com  to the birth, marriage, and death records available online from  Scotlands People. Some sites operate on a pay-per-download basis, charging only for the documents you actually view, while others require a subscription for unlimited access. Check for a free trial or free search feature before plunking down your money!

The Threat of Fraud in the Organization Assignment

The Threat of Fraud in the Organization - Assignment Example Crooks have been getting ever smarter and now target executives of small to medium enterprises where for instance fictitious orders for goods or credit lines are initiated and the goods are shipped to a third party. This causes considerable losses to companies and executives. Identity theft can be managed by ensuring stronger internal control and monitoring systems such as using the RCSA, encrypting sensitive data, and obtaining insurance for the executives. A workshop organized to sensitize executives on fraud would include a participatory and self-assessment session to monitor uptake of information by attendants. Literature 1. The answer to question 1 (a and b); How would you protect corporate executives of fraudulent acts against them? Identity theft refers to the act of stealing or gaining another person’s identifying and personal information such as a social security number or credit card numbers by unauthorized means and using or having the intention to use the informati on fraudulently (van der Meulen, 2011). The first step in protecting executives would be to get insurance in the director and officer insurance form to cover against loss of wealth and associated assets. An executives' signature can, for example, be used to fraudulently get a binding agreement with the company, which would be detrimental to the company such as using the executive’s identity to access credit lines, which are not approved. The company would need to ensure it and its and executives are under the 'Merchant Risk Council' which is a group of over 7 800 merchants, financial institutions, law enforcement agencies and vendors who work together to enhance cyber frauds, for example, financial institutions would have to call the company before processing a credit card application. Of course, improving cybersecurity at the business would be a viable step. Cybercrime occurs when three principal factors are present; opportunity, rationalization, and pressure as the fraud tr iangle shows. Financial pressure Opportunity Rationalization                                                                                                         Financial The pressures to steal ID's are primarily financial or hobby and the fraudsters never share their problems or intentions to solve them, especially through fraud. Rationalization is the act of someone justifying their fraudulent behavior and reconciling themselves with it so that they commit it without feelings of guilt. Opportunity refers to the capability to steal identities or commit fraud and crooks do their best to cover their tracks. Opportunity is the result of weak control systems in the company and is the one area where most business entities are most vulnerable since while they take steps to minimize fraud, crooks devise ever sophisticated methods to go around the security systems (Singleton & Singleton, 2010). A lot of focus would b e directed to minimizing the opportunity for ID theft by having firewalls and current anti-spyware in addition to installing anti-malware and ant viruses in the computer systems and networks at the company.  

Arabic Language and English Language Essay Example | Topics and Well Written Essays - 1000 words - 1

Arabic Language and English Language - Essay Example Arabic is from the Semitic language family, subsequently, its grammar is altogether different from English. There is an expansive potential for lapses of impedance when Arab learners produce composed or spoken English. Arabic has a three-consonant root as its premise. All words (parts of speech) are shaped by joining the three-root consonants with altered vowel designs and, in some cases, an affix. Arab learners may be befuddled by the absence of examples in English that might permit them to recognize nouns from verbs or descriptive words, and so forth. The Arabic sentence is generally separated into two primary parts: the column and the supplement (extra) if any. The column could be mapped to the thought of the atomic in expository structure hypothesis. The satellites of the logical structure hypothesis could be equal to the supplement. The column has two parts: the data furthermore the subject. The subject could be acknowledged as the member where an activity, a state, or a depicti on is alluding to. The data could be seen as the movement, the state, or the portrayal itself. An Arabic sentence may be either ostensible sentence or a verbal sentence. The ostensible sentence begins fundamentally with a noun and the verbal sentence begins with a verb. The mainstay of an ostensible sentence is constituted by a primate and a predicate. The primate is a noun that generally a sentence begins with. The capacity of the primate is the subject-work (the member). The predicate qualifies the primate and fills the data a piece of the mainstay of the ostensible sentence. The mainstay of the verbal sentence is constituted by a verb and an operator if the data is a known verb or a star executor if the data is a disregarded verb. While proceeding towards the comparison in details it is necessary to first shed some light on the definition of culture as defined by Geert Hofstede. According to the cultural dimensions premises acknowledged by Geert Hofstede, the westernized nations like the United States, Australia, United Kingdom, etc. creates the individualist bunch and is placed at one severe end of the band whilst the Asian nations such as Pakistan, Hong Kong, India, Thailand, etc. forms the collectivist bunch and is placed at the other intense end of the range.  

Writing assignment Example | Topics and Well Written Essays - 250 words

Writing - Assignment Example Daniel medical attention amazed me. He quickly requested me whether I needed any assistance immediately I checked in the clinic. He loved and sympathized with his patients. He would offer adequate medical counseling to patients. You never pursued but compassion for humanity and alleviation of patients’ suffering. When men of his generation were making history in the medical field, Daniel you courageous performed successfully the first-open heart surgery in the USA. Daniel also made history as the first person to employ interracial staff in his Provident hospitalHe was a man on a great mission, never backtracked on any challenges. He was best as everything that he dreamed of accomplishing. He was a man who commanded great respect in medical history. Everybody was proud of his brain and humane heart. I believed in his values and abilities. A man who I could only admire, respect and take great inspiration from. Daniel, you were very special to my heart, I am Grateful for the little time we spent together here on earth. You kept the faith and completed your race. Rest in eternal peace Daniel Hale Williams, (January 18, 1856- August 4,

Role Of A Strategist Of Today Business Essay

Role Of A Strategist Of Today Business Essay ABSTRACT: Strategists are the people who implement the powerful strategy which consists of ingredients like information, imagination, purpose and action. There are various kinds of strategists in any kind of organization like board of directors, chief executive officer, entrepreneurs, senior management, SBU-level executives, corporate planning staff, consultants, middle level manager, and executive assistants. Each one plays a different role in an organization. Apart from the specified roles and functions for a strategist, the common and general important roles are sooth sayer, sculptor, politician, guru and jail buster. As a sooth sayer strategist must helps his team to imagine the future world within which they will be competing. The sculptor strategist creates a unique role or purpose for the organisation. They forecast the reason why the organisation will be successful within the soothsayers imagined future. The politician strategist knows the power players in the organisation. They know what drives each leader and they also know who is motivated by ego, who by money, who needs to be recognised, who thrives on making a difference. The jail buster strategist shows employees how to escape from their prison of boredom and fear without alerting their fearful managers. They provide the key to unlocking their talents, creativity, and energy. This paper presents a framework to aid in understanding the seven major deadly traps prevailing in any organization and how a strategist can overcome the negative outcomes of those poisonous traps which are taking deep roots in the organizations worldwide. Some basic human intellectual tools like Intellectual Intelligence (IQ), Emotional Intelligence (EQ), and Spiritual Intelligence (SQ).,which are necessary for a strategist also discussed. INTRODUCTION: The work a strategist did yesterday, Set the foundation for the achievements and challenges of today. The work a strategist does today, Creates the world of tomorrow. Ruth (Placeholder1)Tearle Strategists are individuals or groups who are primarily involved in the formulation, implementation and evaluation of strategy. There are various kinds of strategists like managers, board of directors, chief executive officers, entrepreneurs, senior management, SBU-level executives, corporate planning staff, consultants, middle level managers, executive assistants. (Terry Mcnulty 1999) Boards of directors are the owners of an organization such as shareholders, controlling agencies, government, financial institutions, etc. They are responsible for governance of an organization, technology collaboration, new product development and senior management appointments. They guide the senior management in setting and accomplishing objectives, review and evaluate organization performance.The chief executive officer is answerable for all aspects of strategic management from the formulation to the evaluation of strategy. They play a major role in strategic decision making and provide the directi on for the organization so that it can achieve its purpose. They assist in setting the mission of the organization. They are responsible for deciding the objectives, formulating and implementing the strategy. Entrepreneurs are strategist who starts a new business, initiator, searches for change, respond to it and exploits its as an opportunity. By their nature, entrepreneurs play a proactive role. They are implementers and evaluators of strategies. Senior management or top management consists of managers at highest level managerial hierarchy. They look after renovation, technology up progression, diversification and expansion and also focus on new product development. They assist the board and chief executives in formulating, implementing and evaluating the strategy. SBUs are profit center heads or divisional heads. They manage a diversified company as a portfolio of businesses, each business having a clearly defined product-market segment and an unique strategy. SBU executives maintain harmonization with other SBUs in the organizing, formulating and implementing the SBU level strategy. Corporate planning staff plays a supporting role. They put in order and communicate the strategic plans. They make available administrative support and fulfill the function of assisting the introduction, working and maintenance of strategic management system. Consultant may be individuals, academicians or consultancy companies who are specialized in strategic management activities. They will advise and assist managers to improve the performance and effectiveness of an organization. They provide services of corporate strategy and planning. Middle level managers look after operational matters, so they rarely play an active role in strategic management. They are the implementers of decision taken by top level and followers of policy guidelines. They contribute to generation of ideas and in development of strategic alternative. They also help in setting objectives at departmental level. An executive assistant will assist the chief executive in the performance of his duties in various ways. They assist the chief executive in data collection, analysis and in suggesting alternatives. Coordinating activities with internal staff and outsiders and acting as a filter for information are also performed by the executive assistant. The role of a powerful strategist: A powerful strategist plays the major important roles like sooth sayer, sculptor, politician, guru and jail buster. A strategist must be a soothsayer or seer who helps his team to imagine the future world within which they will be competing. They begin by reading the palm of the organisation and also identify its competencies and unique strengths. They then use the crystal ball of scenarios, and imaginative thinking to help the team to visualise the future within which the business will operate. A strategist should also be a sculptor like an artist who carves a form out of raw materials. The sculptor strategist creates a unique role or purpose for the organisation. They predict the reason why the organisation will be successful within the soothsayers imagined future. The sculptor begins by defining the organisations future target markets. They then provide the future shape of the organisation by defining why its future customers will choose to support it, rather than any future imagined competitor. So the strategist changes systems, structures, rewards, alliances, products and services to ensure t hat everything supports the organisational purpose. A politician is someone who is skilled in the art of manoeuvring and manipulation. The politician strategist knows the power players in the organisation. They know what drives each leader and they also know who is motivated by what external and internal factors. A guru is a person who gives personal spiritual guidance to his disciples. The strategist guru, shows how each individual employee in the company, can contribute to the greater, noble goal. They help individual employees to discover their inimitable personal purpose. Then they show them how to channel their energy and talent towards living their purpose, whilst acting in ways that support the companys goal. A strategist must also plays a role of jail buster, while at work, many employees find that their talents, passions, creativity, imagination, and energy are locked behind bars of the company culture. Timid managers who want to be in control, and avoid making mistakes, often hide the keys to creativity, energy, passion, self-assurance, and innovation. The jail buster strategist shows employees how to break out from their prison of tediousness and fear without alerting their fearful managers. They provide the key to unlocking their talents, creativity, and energy. Strategy in companys perspective- Strategy is about choice. The heart of a companys strategy is what it chooses to do and not do. (Rivkin 2005).They develops a long-range course of action or set of goals to align with the organizations vision. (LOREN APPELBAUM n.d.) Problems: Strategist should avoid the seven main deadly traps of strategy effectuation. The seven deadly traps are squeeze strategy in between other more important events dates are booked for a strategy session, but there is little dedication or energy from the leaders. The strategy sessions get negated, or delayed. The time available to do strategy is reduced from three days, to two days and finally to the afternoon just before a public holiday. The second trap is doing strategy through presentations and debate. The leaders go away for a 2-day strategy conference. They spend one and a half days listening to presentations and asking questions of the presenters. The last half a day is spent with a catalyst engaging the group in a debate. Somehow, a few strategic focus areas become known. These are written into the companys strategic plan, but nothing really changes. The next trap is delegating strategy to a project team. A team of potential leaders is given the task of formulating strategy. They begin with hope, enthusiasm, and by doing research and analysis. They use every model available: Trend analysis, Porters 5 forces, scenario development, SWOT analyses, balanced scorecard and financial analyses. They analyse their current mission, objectives and strategies. The strategist develops strategic options. They evaluate these options and present their findings to the administrative management. The leaders demonstrate through their questioning (or an interrogation) who holds the power in the company. The youngsters leave with their self-esteem in tatters. The fourth is doing strategic analyses without a solid foundation of research, leaders analyse trends, markets, and competitors. They do scenarios and SWOT analyses. But they do this without any research. The outcomes of their analyses are indistinct and nothing really changes. The fifth is ignoring the creative side, while the strategic research, and analysis may be excellent, little creative thinking takes place. No paradigms are broken. No excitement is generated. The strategies that emerge are predictable. People leave with a feeling of why did we bother? The next trap is failing to act on a brilliant, inspiring strategy, the focus then moves to the question of what do we need to do, to make the strategy work? Leaders suddenly become aware of how the strategy will impact on their power bases, and their careers. They then try to find flaws in the strategy or the process to rationalize their need to sustain the status quo. The last deadly trap is failing to motivate the people, the CEO and the team go on exhausting road shows to communicate their strategy to their people. A quiet comment is heard after the presentation. Why should I encumber myself with additional work to make the CEO richer? What are the chances of this strategy being? Suggestions: A strategist is like a root of an organization. In order to overcome the deadly traps in any organization a strategist must first think outside of the box and they must focus on both forest and the trees They must need to concentrate on three aspects of human intelligence like intellectual Intelligence (IQ), Emotional Intelligence (EQ), and Spiritual Intelligence (SQ). The mind of strategist must try to decide when to do strategy and when not to do strategy, clear target markets, competitive advantage, 80/20 focus and alignment. They need to do research, analyse the given situation with the available informations and comes out with the best solutions. The heart of strategist must have the concepts, rules, power and politics play an important role in the development of any strategy. The end result of a strategy (the strategic plan) determines what is, and what is not important to the companys future, who will get scarce resources such as budgets, and skills, who will be gain and who will lose power. The soul of strategist must have ingredients to inspiration include energy, creativity, action or doing, wisdom, purpose, fun, awareness of the mystery, caring, motivating the people, stimulating the new innovative ideas.

A Career in Graphic Arts Essay -- Careers Jobs Artistic Essays

A Career in Graphic Arts A career in graphic design is perfect for a creative individual who has a sense of design. "A graphic designer is one who creates ideas that are expressed in words and/or pictures, and generally solves problems of visual communication," says Paul Rand, a professional designer (23). Employment in this profession is projected to increase 29% by the year 2006, which is the highest of any career according to a study done by the American Institute of the Graphic Arts (3). A graphic designer may work in a variety of places including a large firm or corporation, a specific design agency, a magazine or newspaper, or even in his own home as a freelance designer. There are few specific requirements needed to be involved in graphic design. However, there are similar traits and qualities that most designers generally possess, including training, knowledge of specific elements, using criticism positively, and a keen eye for color and balance. The cost of being a graphic designer must also be factored in. Graphic design is a career that offers a creative outlet but can be quite stressful, which is why designers must be cooperative and work well with others. A dexterous designer knows how to use criticism positively. Oftentimes criticism is what makes a piece of art better. Depending on the project, job duties may include designing and preparing layouts, sketching out ideas, arranging the materials needed, or putting together the final image. Since there may be different requirements for each client, a graphic designer (on average) should have the ability to be spontaneous and creative and work well under pressure and stressful in situations. "DO NOT be a designer if you stress out easily!" says Steve Jones (interview). In many cases a designer has deadlines which may not be negotiated with his clients, and therefore he must work productively. There is also the downside of creating an image that is not accepted by the client; the designer must then discuss what is wrong with it and perhaps start over. "Any job becomes creative when the doer cares about doing it right, or doing it better." (Borenstein) Certain clients leave the project completely open-ended and up to the designer, while others have a specific idea in mind. It is important for the designer to remember that he is creating a piece of work for someone else’s liking, and it... ...e final product will be worth it. As any artist knows, the cost of supplies adds up fast. The image(s) can either be taken from a photograph, a sketch, a painting, or any other type of art. There is also the need for access to a computer, scanner, and printer. Computer programs that are specifically designed for the graphic arts can be quite costly, such as Photoshop (about $600). In order to produce a nice piece of work, these materials are necessary. Other computer programs include Quark, Adobe Illustrator, and Corel Draw. In order to be a leading designer in the future, individuals in the profession must have the ability to come up with original and unique ideas. One who enjoys preparing layouts for school projects or arranging art into a final composition would excel in the graphic design field. Not anyone can be a graphic designer; only those who accept responsibility and have a natural ability in design will enjoy this career. Modern-day designers will be the leaders of the next millennium and will produce the designs that will be seen for years to come. The opportunities as a graphic artist are endless. Bibliography: Paul Rand American Institute of the Graphic Arts