How The Student Loan Interest And Penalties A Guide For...

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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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