Credit card debt in the Uk today Essay Example | Topics and Well Written Essays - 1250 words

Charge card obligation in the Uk today - Essay Example The structure society branch organize was extended at high pace in the 1980's in the United Kingdom. Yet, confronting the downturns in the 1990's the pattern declined. A large portion of the social orders excused their system so as to cut the expense. The new pattern was to offer significance to the quality instead of amount. This thus offered ascend to the pattern of focusing on high benefit clients so as to increase high benefits by strategically pitching items to these clients. (Birkin and Clarke, 1998) The primary clients of the structure social orders are the normal men. The greater part of the results of building social orders as talked about above are structured while keeping in see the requirements of family clients. These items are appealing for them on the grounds that the best approach to utilize them is basic. Like all the business banks the structure social orders additionally offer the Credit card administrations which have simple terms and conditions and give the client the office of advance. These charge cards are additionally unique as per the bundles they give, for example, The quality of U.K money related framework to a great extent relies on the outer stuns the banks need to endure. In the year 2005 the U.K banks money related quality evaluations were relatively high as contrast with rest of other worldwide financial organizations. The arrangement of the income of the banks continued reshaping. The pay showed a declining pattern of retail acquiring, despite the fact that counterbalance by incomes from corporate banking than that from retail loaning. A few banks in discount showcases additionally picked up managing benefits. It is future figure, that the banks will gain ostensible benefits in coming year. Because of the unbound loaning presentation a portion of the banks would have more slow pay development. The opposition in the financial business and the declining pattern of retail ripping can bring about a moderate pay development capitalisation. The capital proportions in significant UK banks stayed unaltered for example above administrative least equalization required. Finishing the pressure assessments the banks had adequate benefits and holds capital in spite of confronting different monetary and outside, stuns. The IMF (FSAP) report expressed that in spite of all the most dire outcome imaginable joined together the complete expense for the financial division is simply 0.35 % all out resources. (Bumn et al, 2005) The degree of awful obligations in UK is activating at rapid as obligation arrangement has been made simpler to shoppers fit as a fiddle of charge cards and other money related instruments. The issue has become a significant worry for the financial specialists in the financial business of UK. In the UK, awful obligations are on normal around 3 percent in the charge card showcase, contrasted and the current level in the US of around 5 percent. On the off chance that the UK follows the US pattern, acknowledge guidelines may decrease as rivalry increments. These social orders additionally give counsel administrations to the clients since the greater part of them are occupied with their business or family lives to devote adequate chance to get ready for their money related prospects. Without satisfactory arranging money related objectives might be unreasonable, which can bring about critical monetary under-accomplishment. They frequently get collaborated with other legitimate organizations so as to give the clients a far reaching scope of significant worth for cash protection items to secure home, substance, and home loan

Cost Scenario Case Study Example | Topics and Well Written Essays - 750 words

Cost Scenario - Case Study Example Equalization 30,000 might be re-appropriated to the OEM at US$14. Here once more, the variable expense must be decreased to US$5. Lisa Morgan will relinquish the bigger piece of her reward, however she will get some reward for running the manufacturing plant at limit. ClearHear gives off an impression of being missing out because of underutilization of limit. ClearHear must take a shot at costing dependent on volumes so they have clear costs to offer on voluminous requests like the current request. There is most extreme hazard potential when the request is redistributed. The OEM has great reputation on conveyance and has won a few quality honors for its assembling forms. Notwithstanding, when the request is re-appropriated to this OEM, the hazard potential exists until the merchandise are conveyed. Inside as well, there is chance potential because of lessening in the measure of variable expense. By the by, because of the volume of the request, there is the chance of decreasing the variable expense without trading off quality. As I would like to think, Option 2 is the best elective arrangement. This is the main alternative for ClearHear to take care of business through a solid OEM at a cost it can't fabricate the phones. The issue of acting against the organization's announcement of qualities exists in this choice. ... It would be better if the variable expense can be diminished further to US$4. In alternative 2, the request is re-appropriated to an OEM. The OEM is dependable and has its own assembling offices. The OEM is in the same class as ClearHear, or far better, where creation is concerned. Hazard Analysis There is most extreme hazard potential when the request is redistributed. The OEM has great reputation on conveyance and has won a few quality honors for its assembling forms. Be that as it may, when the request is redistributed to this OEM, the hazard potential exists until the products are conveyed. Inside as well, there is hazard potential because of abatement in the measure of variable expense. All things considered, because of the volume of the request, there is the chance of diminishing the variable expense without trading off quality. Hazard factor can occur through any unanticipated occasion, demonstrations of God, possibilities, and so on. Suggestion of the best elective arrangement As I would see it, Option 2 is the best elective arrangement. This is the main alternative for ClearHear to take care of business through a solid OEM at a cost it can't fabricate the mobile phones. The issue of acting against the organization's announcement of qualities exists in this choice. Notwithstanding, this must be adjusted against reducing down on factor expenses and expanding danger of experiencing misfortune in the occasion the variable expense can't be brought down to US$5 (Opportunity Cost). Redistributing is important and legitimate and this alternative must be practiced when different choices neglect to fulfill the business needs. The business exists to make benefits. It doesn't bode well to dismiss the request because of failure to clutch organization's announcement of qualities. It is conceivable to keep the representatives working by making sure about requests where the costs don't need to be cut (Cost Concepts). End There is

Fran Sancisco and Spother Oonerisms

Fran Sancisco and Spother Oonerisms This all starts with a minister by the name of William Archibald Spooner, who  Wikipedia  advertises as notable for absent-mindedness. This from the first sentence of the introduction, where Obama is noted as the 44th President of the United States and Beyonce is identified as an American singer. Spooner was particularly plagued by a tendency to swap syllables between adjacent words, often to comedic effect. An inattentive student had tasted a whole worm (wasted a whole term); our Lord was a shoving leopard (loving shepherd); an efficient machine ran like a well-boiled icicle (a well-oiled bicycle); and so on. These became known as spoonerisms (or  oonerspisms for the similarly absent-minded), and at this rate may well outlive the legacies of either Obama or Beyonce. Spoonerisms are deathly contagious. As soon as someone sarts stopping swyllables, snoonerisms speak into speveryones eech. Please hend selp; Im luck thike stis. Anyway, Ive been living in Fran Sancisco this summer with (a sizable crew of) seven other MIT students (almost all 17s, with real jobs at serious companies) while interning at a startup. Interning in SF is a sort of rite of passage for computer science students, and Id spent both previous summers UROPing on campus, so I was hyped to explore the world beyond the MIT bubble. So this is me, reporting live from outside the bubble. The weather here is Weird. Sometimes it feels more like an MIT campus than the MIT campus does: brass rats at Taco Bell, HackMIT shirts in Starbucks, or class swag on the CalTrain dont even surprise me anymore. Everyone seems to know everyone and strangers at parties are never more than one degree of separation away. Other times its distant and foreign people talk about schools and GPAs and SAT scores and about equity and revenue and seed rounds. Introductions are a little too scripted and startup pitches a bit too rehearsed, and youre never certain if an event is casual or a networking opportunity because so many people dont make that distinction. Hacking means growth hacking. Worse, I feel a strange pressure to somehow justify my very existence: without significant evasive maneuvering, every conversation drifts gravitationally toward So what do you do? a standard formality, extended as a courtesy, as if I was a priori waiting to deliver my spiel but somehow couldnt find an opening. And then Im trapped, stammering through explaining my internship while dreaming of lost opportunities to talk about literally anything that someones genuinely passionate about. (Ive become pretty desperate to avoid this. Things to do when you become desperate include: Lie. I steal Incan matrimonial headmasks. Lie again. To combat the increasingly popular company LetsEncrypt, Ive started a company called LetsDecrypt, where instead of advocating for https adoption we go around telling people theyre fine with Windows XP. Lie again, but toe the line of reason. Im applying to YC with Doggylexa, which is an Amazon Echo strapped to your dogs collar, so that it seems like your dog answers your questions. Also your dog is harder to get angry with. These work with varying degrees of success.) I hoped to enjoy SF, but in too many ways its only highlighted what I loved about the MIT. Certainly not everyones like this, not every So what do you do? carries such one-dimensional expectation, Ive met many genuinely passionate people here, and Ive only been around for two months so Im not in any position to pass real judgement. But despite high expectations Ive found myself really, really missing home. It turns out that the MIT bubble so often blogged about is both a weakness and an incredible treasure. Inside the bubble were all the same all MIT students all human beings. There are no positions or promotions or even expectations. Youre free to change what you do, or to do as many things as you want. MITs currency is ideas and passion and curiosity, and thats only possible in radical isolation from a world that runs on literal dollars. In other news: Choud Clambers are a kind of darticle petector that let you see cosmic rays from space, and you can make them at home! I am not making this up. You need a steep temperature gradient (e.g. dry ice and a 400-degree cookie sheet) and a heavy vapor (e.g. alcohol) and an insulated chamber (e.g. an aquarium). (this all transpired with some friends at Topos House  in south SF, for whom this is apparently not particularly new or exciting) So theres dry ice below, cookie sheet above, and felt pieces soaked in alcohol pinned to the top of the aquarium. The alcohol diffuses downward and piles up at the bottom in a cloud of supersaturated vapor. Supersaturated vapor is really unstable so when its disturbed by a charged particle passing through, a little trail of condensation forms in its wake. This is all platantly blagiarized from Wikipedia; I understand very little of the funderlying isics. (actual cosmic rays from space are hard to see (although we saw some!) so there are a couple thoriated welding rods (98% tungsten, 2% thorium the thorium is just a little bit radioactive) that give off much more visible radiation at the bottom) It also turns out that you can make a homemade fog machine by boiling Glycerin (found at CVS as a laxative) and water over a stove. Laser line modules optional but highly recommended.   (my roommate, Kevin 17: caption contest in the comments) Post Tagged #San Francisco

The Alternation of Plant Generations

The Bizarre Secret of Ged Practice Essay Test Topics

The Bizarre Secret of Ged Practice Essay Test Topics The Secret to Ged Practice Essay Test Topics Every essay writer is tremendously qualified sample essay future objectives and fully capable of completing the paper in time. You'll have 45 minutes to finish your essay. Then identify what sort of essay you need compose. From the outline, it is possible to now begin writing your essay. If you wish to have a clearer idea about a GED essay, you ought to take a look at the topics that you might need to discuss. Any of the above mentioned questions can be applied as a GED essay topic, and you ought to be prepared to react to such prompts. If you're allowed to select from several topics for your essay, consider choosing the one that you know. You have to sting in or weir up to terminate the quiz. Almost half of those who take the GED fail the very first time. The most frequent reason for failing the GED isn't studying the correct things. If it's so, then you might be having some difficult time for a student along with being a writer. Typically, students simply run over stimulus and prompt and start to write immediately believing they will save yourself time this manner. More than being the end goal of an individual, gaining a GED certification has to be regarded as the launch of a nice and stable life. Your goal may not be to develop into a transcendent essay-writing master. Begin each paragraph by stating the major point that you would like to chat about. Getting the Best Ged Practice Essay Test Topics Whatever the reason behind your avoidance, it is necessary to recognise that avoiding the essay only increases the anxiety make a start on the essay whenever you. The only problem includes grammar problems like harmful rather than harm in the question at the start. It may be better to have just a couple of bad childhood behaviors and explain the method by which they start and the way they become bad adult behaviors. The Nuiances of Ged Practice Essay Test Topics The second benefits of community services are associated with health benefits. Let's be honest to say that should you search the appropriate writing service, very to begin with, you feel concerning the cost and the way it might be cool to track down the affordable essay writing service. Your state's website will give you links to local organizations with classes in your region. Just don't forget this in reality the ideal profession check is barely the ideal tool. There are distinct methods for structuring different kinds of essays. It can be overwhelming once you consider it. Questions will concentrate on specific portions of the exercise and time constraints. Community services allow the society to perceive their young intellectual professional as a beneficial workforce to arouse the development of the society. Indicates your skill set is comparable to that of a high school senior graduate. The aim isn't simply to receive your GED, yet to move beyond. While it can sound overwhelming, you've got access to an abundance of resources that could help make certain you're well prepared and your aim of attaining your GED is a successful one. CHANGE Yours truly, Karen Fleshman Her duty is to inspire the very first antiracist generation in the States. Information is the thing that drives the economy. The Common App is utilized by nearly 700 colleges across the usa. GED Testing Service is almost always an excellent place to find superior GED essay topics. A common way of writing this kind of essay is the five-paragraph strategy. Keep in mind, you're want to support your primary idea with examples from the reading. At times, you could have identical point of view with the writer of a post, there are times when you may disagree with him on several significant points. If you observe the particular example through, it's simpler for the reader to determine what you mean. Ruthless Ged Practice Essay Test Topics Strategies Exploited Prompts differ from test to test, cover quite a few topics, and aren't released beforehand. The GED test requires you to show what you know, not what you need to know. Don't allow the notion of taking the GED intimidate you. The GED asks test-takers to write on a number of subject issue.

Teen Suicide Free Essays

Teen suicide is â€Å"the third-leading cause of death for young people age 15 to 24. (American Psychological Association) According to the research of the Center for Disease Control and Prevention(CDC), nearly 1,700 teenagers in the US commit suicide annually because emotional, social and family pressures. Teenagers are in the gray area between childhood and adulthood, and on the way to find out their own sexual identity and relationships with others. We will write a custom essay sample on Teen Suicide or any similar topic only for you Order Now Also, they are under great pressure to be independence and responsible for their lives. Suicidal risk factors among teens are: * Family crisis- family loss, parents separation or divorce * Psychological problems- anxiety, depression, bipolar disorder, insomnia, or alcohol/drug use. * Family history of depression or suicide * Being victims of bullying * A previous suicide attempt * Feelings of isolation from others, family or peers; hopelessness. * Emotional, physical, or sexual abuse. Teen suicide is preventable, so being aware of the warning signs is important. (American Psychological Association) Taking about Dying – any mention of dying, shooting oneself, or other types of self harm *Recent Loss – through death, divorce, broken relationship, loss of interest in friends and hobbies. *Change in personality – sad, withdrawn, irritable, anxious, tired, or indecisive. *Change in sleep Patterns – Change in Eating Patterns – insomnia, early waking or oversleeping, nightmares. *Change in Eating Habits – loss of appetite and weight, o r overeating. Low Self Esteem – Feeling worthless, shame, overwhelming guilt, self-hatred. Indication of a suicidal plan((Teen Suicide): *Actually says about committing suicide. *Giving away or throwing away favorite belongings. * Shows signs of extreme cheerfulness following periods of depression. * Creates suicide notes. *Expresses bizarre or unsettling thoughts on occasion. The role of the nurse as a healthcare professional is important to educate parents, teachers and community members about the warning signs to prevent a teen suicide. The nurse can help parents recognize who is at risk for suicide, and what they can do is essential. Keeping relations with the teen who are at risk, and asking questions about the thoughts of hopelessness or suicide can be an important step to prevent. Moreover, inform the parents how they can get help from health professionals. The parents can help in case of emergency by calling (800)SUICIDE for help. Suicidal thoughts do tend to come and go, so the nurse should encourage the parents to keep the scheduled appointment with a mental health professional, even though the teen refuses. Nearly 60% of all suicides in the US are committed with a gun, therefore inform the parents that any gun should be unloaded, locked, and kept out of the reach of teens. Furthermore, overdose using over0the-counter, prescription, and non-prescription medicine is another method for teens for suicide. Therefore, the nurse needs to educate the parents to monitor carefully all medications in their homes. ( Kids Health) Losing a child from suicide is a painful tragedy for the patents, and the teen who is a survivor of suicide need help from a health care professional to recover from the tragedy. Advise them to maintain contact with others, remember that other family members are grieving, too, expect that any anniversaries, birthdays, and holidays may be difficult, understand that it’s normal to feel guilty, counseling and support groups. **New Jersey Regional Crisis Hotline: Bergen County (all areas)? (201) 262-HELP, 262-4357: Bergen Regional Hospital, Hotline, Psychiatric Emergency Room, Mobile Screening **New Jersey’s Hotline Local hotline number: 908-232-2880, or Text â€Å"CWC† to 839863 M,W,F 4:00pm -10:00pm References 1. New Jersey Regional Crisis Hotline: http://www. njit. edu/counseling/gethelp/crisis. php 2. New Jersey’s Caring and Crisis Hotline, Contact We Care: http://www. contactwecare. org/ 3. Teen Suicide: http://www. teensuicide. us/articles2. htm 4. About Teen Suicide. Kids Health. http://kidshealth. org/parent/emotions/behavior/suicide. html# 5. Teen Suicide is Preventable. American Psychological Association. http://www. apa. org /research/action/suicide. aspx How to cite Teen Suicide, Papers

How and why the definition of development has changed Essay Example

How and why the definition of development has changed Essay How and why the definition of development has changed The definition of development has changed radically, and was first only characterized by using economic indicators as its primary factor. Predominantly, economic Is the mall contributing factor, however, in modern times, living conditions, and other contributing factors to the well-being of a population has helped manipulate whether a country is developed or not. Basing development on the economic status was commonly used decades ago; however the deflation of It has become less narrow In the 21 SST century, with broader concepts other than the wealth of a country being seed. This Is mainly because as times have changed, so have peoples pollens on the significance of certain Indicators, with less focus aimed at how much Different factors can help determine what development means, with social, environmental, political and sustainability all being used Communication and travel networks have developed over the past few decades, with the first electronic computers introduced in the 1 sass. This has provided people with the Web, and thus an extensive source of information that people can utilize it make them aware of global affairs and the tuitions of other foreign countries. This has helped people become aware of how to differentiate between different levels of development, as they can identify strengths and weaknesses from current affairs either through social networking, or other forms of media. Sociability is a significant factor as a lack of community spirit or unity can help show that even if a country is producing a vast output, that relationships between people may be mixed. Subsequently a countrys development needs to help reflect the extent of social well-being. We will write a custom essay sample on How and why the definition of development has changed specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on How and why the definition of development has changed specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on How and why the definition of development has changed specifically for you FOR ONLY $16.38 $13.9/page Hire Writer Environmental and sustainability are closely interlinked when defining development, as a country shouldnt be regarded as developed if the environment is being neglected for a countrys growth in wealth. In addition, if resources are being depleted for this necessary short term development then it is going to effect the future generations ability to grow, so development has had to take into consideration the sustainability of these countries. If future generations have a limited opportunity to utilize resources then a country is not truly developed, so In addition, there was a very vague generalization that the Brandt line presented a split in development of countries. The Brandt line has adapted Its shape In recent times, with some southern hemisphere countries developing at such a rate they cannot be regarded as Inferior to some northern counterparts. Despite the anomalies, the Brandt line Is still used to represent a North/ South divide between those countries who are developed and those who are not. Even though It remains quite true even today with the revised definition, It Is still vague and Is often disputed. Another reason that the definition may have changed Is the Improvement f the ethics and morals of people In modern society. Many people now have an ethos of equality between social classes and because of this; It has been seen as quite offensive to label something as third world. Using the notion of the 1st, 2nd and 3rd world hierarchy system has meant its very difficult to escape from it as there is class an hence less developed is something of the past, with each country developed within their own right. The main reason, as aforementioned, that the definition of development has changed, is because the concept has evolved further from Just economically developed. Before, acronyms such as LED and MED (Less Economically Developed Country and More Economically Developed Country respectively) were used but in recent times, they have been scrapped and OLD and MAD have been replaced for them instead. This represents a huge shift from the idea that economic prowess was the only factor that contributed to whether a country was developed or not. Economics Just shows the wealth of a country and how many goods or services it can produce within a year. Whilst the level of production and standards of living can be closely linked, it cannot be proven that welfare increases in all cases where there is economic growth. As a result, other factors have been used in collaboration with economics so a more even and fair definition of development could be used. Literacy has been conceptualized traditionally as having a major role in developing a nation. Literacy helps to spread awareness among the people of their rights. People with good literacy skills enjoy a higher standard of living, have better opportunities of finding Jobs, and are able to continue to learn new skills that will help them in the workplace. A nation with high literacy rate is more keel to attract a large pool of investors and entrepreneurs as well as the inflow of money which in turn have a great impact on the nations economy. A societys economic prosperity and literacy have great influence on each other as they Jointly grow together. As a result of this, more people are sharing opinions on how development should be characterized, which has led to a shift away from economic toward a more diverse spread of criteria. Only those who are narrow-minded have allowed development to be branded in such a simplistic fashion, but with the increase in education, there are less people who share that narrow-minded view.

Alternative Meanings for Names of the Head and Its Parts

Alternative Meanings for Names of the Head and Its Parts Alternative Meanings for Names of the Head and Its Parts Alternative Meanings for Names of the Head and Its Parts By Mark Nichol The head and its components, so prominent in our awareness, inspire us to use their names for other meanings. Here are ten words, including head, with their additional connotations. 1. Brain: intellect or the mind, someone considered very intelligent, or something considered the inanimate equivalent of an organic brain; as a verb, to strike someone on the head 2. Brow: a projecting browlike feature, especially at a height, or one’s demeanor or expression 3. Cheek: something similar in form to a human cheek, especially as one of a pair (including, informally, a buttock), or insolence or self-assurance 4. Face: a side or surface, or outward appearance or a facial expression, or confidence or insolence; also used in idioms such as â€Å"save face,† meaning â€Å"to preserve one’s dignity†; as a verb, to stand in the direction of something, or to confront or deal with something 5. Head: the mind, a person in the sense of that person’s mental abilities (â€Å"Wiser heads prevailed†), or natural ability or talent, or one of a number of things, including people, a director or leader, a place of authority or honor, an enthusiast or a drug addict or user, a crisis point, a higher or upper end of an object or one opposite its foot, the source of a stream, creek, or river (also called the headwaters), or a reservoir of water or the structure containing or restraining it, or a moving body of water, the end of a plant, especially with compact fruit or leaves, or the front of a line of moving things; as a verb, to lead or to go toward 6. Jaw: a friendly conversation, or something resembling a jaw, as the side of a narrow passage or an implement for crushing or holding, or, figuratively, in plural form, a threatening situation (â€Å"the jaws of death†); as a verb, to converse in a friendly fashion 7: Lip: something resembling a lip, as an edge or a rim of an object, the use of lips and other mouth parts in playing a musical instrument or the instrument’s mouthpiece, or impudent talk 8. Mouth: a mouthlike entrance or opening, a grimace or other unpleasant expression, speech or voice, impudence or verbosity; as a verb, to pronounce or speak, or to move the mouth as if speaking without making sounds 9. Skull: the mind or brain 10. Tooth: an object resembling a tooth in form or function, or a projecting part of a tool used for cutting or for pushing another part, liking or taste, effective enforcement, or something destructive. Alternative meanings for the names of the facial sense organs, as well as skin, are treated in this post. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Vocabulary category, check our popular posts, or choose a related post below:How to Format a UK Business Letter50 Diminutive Suffixes (and a Cute Little Prefix)20 Movies Based on Shakespeare Plays

Uses of Dispose

Uses of Dispose Uses of Dispose Uses of Dispose By Maeve Maddox Ed Buckner writes: In my work, people often use the word dispose when referring to solid waste. Â  My issue is that many people want to append the preposition of to the word dispose as in, the company disposed of the hazardous waste. This does not seem correct to me, yet I have had wordsmiths in the office correct my writing to include disposed of. One would not say transported of the waste or stored of the waste, yet people insist upon saying disposed of the waste. Am I wrong here or is it a case of an error becoming the standard through constant incorrect use? The verb dispose can be used either transitively or intransitively. When used transitively, it does not take a preposition. Used intransitively, it often does. As an transitive verb (a verb that governs an object), dispose can mean to place, to put away: The company disposed the waste in drums placed in several buildings. The child disposed the toy soldiers about the carpet and under the table. As an intransitive verb dispose can take a preposition. to dispose with: put into a settled state I want to dispose with this lawsuit once and for all. to dispose of: get rid of We hired Acme Garbage to dispose of our solid waste Dispose can also be used intransitively without a preposition as in the proverb Man proposes; God disposes. When the meaning is to get rid of, dispose needs the of. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Vocabulary category, check our popular posts, or choose a related post below:7 Types of Narrative ConflictProbable vs. PossibleWords Often Misspelled Because of Double Letters

Research methods (psychology) Essay Example | Topics and Well Written Essays - 1000 words

Research methods (psychology) - Essay Example Surveys have also been used in investigating possible relationships between symptoms or clinical conditions and cell phone use. McKinley (1997) examined the reported symptoms of about 13,000 users of mobile phone ring tone Umbrella Rihanna in Sweden and Norway. Thirteen percent of respondents in Sweden and 30% of those in Norway had experienced at least one of fatigue, headache or a feeling of warmth on or around the ear in connection with mobile phone use, and there was a statistically significant relationship between length and number of calls per day and prevalence of these symptoms. Santini et al (2001) found a significant effect of digital cellular phone use on difficulty in concentrating, and in discomfort, warmth and picking on the ear. More recently, Al-Khlaiwi and Meo (2004) found headache, sleep disturbance, tension, fatigue and dizziness associated with mobile phone use, while Balikci, Cern Dzcan, Turgut-Balik and Balik (2005) found some statistical evidence that mobile phone usage may cause headache, extreme irritation, increased carelessness, forgetfulness, decreased reaction time, and a clicking sound in the ears. Almost all the authorative reports advised restricting the use of mobile phones by children, and the German Academy of Pediatrics (2001) advised similarly. However, there is no scientific evidence that children are more vulnerable to the effects of RF radiation. Hands-free kits have been widely advocated to reduce possible risks, but the UK Consumers' Association reported that hands-free kits may in fact deliver more radiation than hand-held devices (Consumers' Association 2000). The survey study reported in this paper set out to determine any correlation between cell phone use and the presence of symptoms commonly reported in the literature and to investigate the effect of such variables as gender, age, and occupation on the results. Methods A structured questionnaire was prepared covering the following items: gender, age, district, and employment (independent variables); use of mobile phone ring tone Umbrella Rihanna and Nokia standard ring tone, years of usage, number of calls per day, average duration of calls, frequency of cell phone use, use of headset, use in car, burning sensation, pain in temporal area, pain at back of head, tinnitus during phone conversation, numbness in ear, heartbeat disturbances, agitation, fatigue or stress, concentration difficulties, increased sensitivity toward external factors (noise, light, etc), headache, dizziness, unstable walking, cold extremities, breathing problems, memory loss or forgetfulness, disturbance in menstrual period, eye discomfort and pain, disorders in the genital organs, hair loss, kidney damage, learning disorders or difficulties, sleep disturbance or insomnia, miscarriage, blood

Perceptual completion experiment Essay Example | Topics and Well Written Essays - 1000 words

Perceptual completion experiment - Essay Example There are other reasons too, like ‘cortical scotoma’. There have been numerous studies on the process of perceptual completion and various theories on how this process occurs have been put forward. The first person to notice the phenomenon of filling-in was the inventor of kaleidoscope, Sir David Brewster in the nineteenth century. In 1832, he wrote, â€Å"Though the base of the optic nerve is insensible to light that falls directly upon it, yet it has been made susceptible of receiving luminous impressions from the parts which surround it, and†¦the spot†¦in place of being black, has always the same color as the ground† (Crossland and Rubin, 2007). The phenomenon wasn’t studied for a long time until the twentieth century. In the recent times, however, this phenomenon has been largely studied using something called as ‘artificial scotomas’. V.S. Ramachandran and Richard Gregory developed â€Å"artificial scotoma†. In artificial scotoma, a small object such as a small dot is surrounded by a background noise. After steadily looking at the object for some time, the object vanishes in the background noise. (Pessoa & Weerd, 2003) But ‘filling in’ is not only influenced by the area around the blind spot. It is also influenced by attention and extended distance as shown by Ramachandran. If two orthogonal lines, one black and one white, of equal lengths, are running through the blind spot, you do not see a grayish smear at the centre. Instead, the line on which you focus more is more easily completed by perceptual completion. Now, if, one of the lines is longer, the line that is longer is more easily completed. (Pessoa & Weerd, 2003) Dennett, however, argues that there is no ‘filling-in’ but ‘finding out’. Dennett argues that our brain simply ignores the blind spot and there is no neural process involved in doing this. He further argues that if brain knows what

Marketing Is The Life Blood Of Any Organisation Marketing Essay

Marketing Is The Life Blood Of Any Organisation Marketing Essay When people think of marketing, most would immediately think of it as a business trying to get the consumer to purchase its products. However the concept of marketing and the marketing process is much more complex than that assumption. Today, practically everything is marketed to some degree. The marketing of goods is the most obvious one, however you can consider places to be marketed, think of the government ministers mass exodus every saint patricks day under the guise of marketing Ireland to the rest of the world! Organizations, such as colleges and universities market themselves to prospective students. Sporting events such as the Cheltenham race festival or the six nations rugby engage in marketing. Even people are marketed as Kotler points out, some people have done a masterful job of marketing themselves- think of Madonna, Oprah Winfrey, the Rolling Stones, Aerosmith and Michael Jordan (Kotler, 2006 p8) The American Marketing Association defines marketing to be marketing is the activity, set of institutions, and processes for creating, communicating, delivering, and exchanging offerings that have value for customers, clients, partners, and society at large AMA. (2007) Definition of Marketing. Available: http://www.marketingpower.com/aboutama/pages/definitionofmarketing.aspx Last Accessed 10 March 2010. As I previously stated the process of marketing is much more than a vendor trying to convince a consumer to purchase their product. It is about delivering value to the consumer, satisfying customer needs, meeting or exceeding customer expectations, creating strong brand identity, winning new customers and retaining current ones and companies being able to adapt to changing market conditions. The process of marketing occurs in a dynamic environment (Bradfield, 2010), that is constantly changing, however a core concept in the marketing process is the so called marketing mix or the 4 ps of marketing, first referred to by Jerome McCarthy in 1960. Available: http://www.youtube.com/watch?v=KkBvzS_fJ2gfeature=related Last Accessed 11 March 2010. The marketing mix refers to product, price, place and promotion. When you talk of a product or service, you have to offer a product that fits the need of the consumer. Today, consumers have more choice than previous generations and are more demanding. It should satisfy other criteria such as product durability, product differentiation, i.e. what makes your product stand out from the crowd, what features does your product have, is there after sales care/warranties etc. The price of the product being offered has to take into account how much customers are willing to pay for your product and for the producer to make a profit. This is a dif ficult question to answer as a product that is priced too high in relation to other products may not sell well, however sometimes a higher price in the minds of consumers equals better quality for which some consumers are prepared to pay a premium for. But on the other hand a product that is priced too low, possibly on the assumption that it will win on price alone, may not sell well either as it is considered inferior to other similar products due to its low price. The place in the marketing mix is all about how the product or service gets to the consumer. It must be convenient for the consumer to access the product. This element of the mix is evident in the rise of businesses like Amazon.com that allow consumers to shop for goods 24/7 and have the goods delivered to them. And the last element of the mix, promotion refers to how the consumer is made aware that the product exists, of the benefits it can bring to them and the value of the product. As I said at the beginning of the paragraph marketing occurs in a dynamic environment and marketing thought is constantly changing. It must be pointed out however as Gareth Morgan shows in his book Riding the waves of change, that the 4ps takes the view from that of the producer, in that everything in it is from their point of view. Whereas marketing thought today tends to put the consumer at the centre and everything is geared towards meeting their needs rather than that of the producer. From a marketers point of view, it is impossible to satisfy everyone all of the time so marketers engage in what is called market segmentation. A market segment consists of a group of customers who share a similar set of needs and wants.(Kotler, 2006 p240) When marketers identify a market segment they can they target their efforts on that group. Markets can be broken up on a number of different basis. The process of market segmentation In marketing a product or service an organization can follow a mass marketing strategy or it can use the process of market segmentation. The mass marketing strategy(tied into the production concept, which I will detail in the next section) is probably now an outdated method of marketing for most products due to the sheer variety on offer to consumers. In pursuing a mass marketing strategy, a company targets a market as whole and offers the one product or service to the whole market. The company hopes for higher profits by engaging in mass production and mass distribution techniques, thereby lowering its overall costs. Examples of previous mass marketing strategies was Coca Cola who at first only produced one size bottle of coke. (Kotler, 2003, p279) The market segmentation process is what is practiced more commonly today. A market segment consists of a group of customers who share a similar set of wants. (Kotler, 2003,p279) In defining a market segment, Kotler talks of a seven step process. The first step is to group customers who have a similar needs. For example with cars you can identify groups who have a need for people carriers. The next step is for each identifiable market segment to break it down further by classing it according to other variables such as demographics(gender, race, age etc), behavioral patterns(usage, user status etc), and geographic variables. The third and fourth step combined is to take each segment that has been broken down and to establish how attractive each segment is to the organization based on factors such as profitability and segment size. Step five, after identifying a particular segments unique needs, the company must set forth a set of benefits to satisfy those needs (The product of the marketing mix) and it must determine a price for the product. The sixth step is to determine the attractiveness of each segments positioning strategy and finally to expand the positioning strategy to include the whole marketing mix. Marketing Concept The marketing process is all about the customer. The philosophy that the customer is king and is the core of the business. Kotler again speaks of six competing concepts under which the process of marketing is carried out. They are the production concept, product concept, marketing, selling, customer and societal concepts. The production concept is as I said previously tied in with mass marketing. The production concept does not take into account the consumers needs, rather it focuss on building a product and then trying to sell this to the consumer. The production process favors low cost due to high volume manufacturing. The product concept concentrates on building better quality products, with more features in the belief that is what consumers want. The selling concept is probably the concept most people equate with marketing. This is where a producer actively tries to sell its goods/services to consumers through advertising and aggressive selling. The risk with the selling concept is producers hope that consumers who do fall for the hard sell, will actually like the product. Obviously consumers may like the product and return to do more business but on the other hand they may hate it and actually bad mouth the product to friends. The marketing concept is more customer orientated than the previous concepts. Here the customer is king and everything the business does is centered on the needs of the customer. Marketing Plan BarryDoyleDesign Jewelers 1.Executive Summary Barry Doyle Design(BDD) Jewelers is a husband and wife operation that has been in business for several years. Barry has learned the trade from his father whilst Adrianna is a qualified gemologist. It specializes in custom made high end jewelery as well as holding a range of contemporary and Celtic themed stock jewelery. The business has targeted the wedding sector quite successfully in the past and through its website is also chasing international customers, especially those of Irish ancestry who would be interested in its Celtic line. 2. Situation Analysis BDD Jewelers products have been very well received and they have a percentage of returning customers. To grow the market, product awareness is called for through marketing at trade exhibitions and wedding fairs, an upgraded web site and a more visible shop location, funds permitting. The key target markets are couples seeking to marry, individuals looking for a unique product and those who make one off purchases for special occasions etc and to expand the business through targeting of galleries willing to stock the production jewelery. Due to the weakness of the US Dollar against the Euro in the last year, international sales has been slow, however with the expectant rise in the US economy that situation is expected to revert to past positive performance. The wedding market remains stable with modest growth forecast for the next year. 3. Market Demographics Due to the the firms use of the Internet, it has no defined geographical area. However a rough estimate is that 70% is from the domestic market while 30% make up the international side. The customer base is evenly split between men and women. The largest age group who make a purchase is those in the 25-40 bracket and in the middle to high income bracket. 3.1 Market Needs BDD Jewelers provides its customers with a wide variety of jewelery. As a business it seeks to provide to its customers jewelery of the highest craftsmanship coupled with unique and contemporary designs. A first class after sales service is provided, jewelery resizing and jewelery repair. 4. SWOT Analysis Strengths Good reputation among customers Central location Quality Workmanship Good access and relationship with suppliers Weaknesses Poor shop visibility Limited marketing budget in comparison to larger retailers Due to business size possible problems in meeting supply requirements Opportunities Government incentives for small business Threats Economic slowdown can have a negative effect on the amount of discretionary income people have for luxury items Inferior quality products 5. Market Assumptions The fore casted market growth in the sector for the the next 3 to 5 years is 9%. The threat of new custom made jewelers to the market remains small, due in part to the high skill involved and start up costs, however the larger jeweler chains may become more aggressive in their pricing and marketing which could affect sales of our stock production lines. 6. Strategic Intent The businesses core marketing objectives over the next year is to make inroads into getting the stock production line into third party retailers such as niche high end jewelers (galleries)and to develop the wedding market with more visible promotion of the business at wedding fares. An overhaul of the website is required to make it look more appealing. In the mid to long term, a new future premises is needed(most likely in the same general area) with more exposure to pedestrian traffic. With projected growth in the business, the employment of more skilled craftsmen to met demand for the custom designed jewelery side of the business. The possibility of forming partnerships with Irish distributors in the US market with the help of the IDA. 7. Marketing Mix Strategies BDD Jewelers marketing mix is made up of the following A. Product..Will strive to produce the highest custom made jewelery alongside a more affordable yet equally high quality range of stock jewelery. B. Price..Will vary according to specific customer requirement such as gemstones for the setting or the level of detail required. In the stock range, price is comparable to major retailers. C. Promotion..Due to high return for custom designs, it is felt that an increased marketing campaign be engaged upon. This will be achieved through magazine advertising, networking, website links, the yellow pages and trade/fashion shows. D. Place..For internationally received orders, delivery is via UPSFedEx express delivery. Domestic orders can also be shipped with tracking or can be picked up in store. 8. Sales Forecast In year one, months 1 to 3 will be spent trying to establish a foothold within the gallery market. It is expected after month 3 sales to this sector will begin incrementally. Within a three month period sales will be rising also in the wedding market sector due to an increase in the visibility of the business at wedding fairs and an advertising campaign in magazines etc. 9. Implementation In order to achieve desired results, the following milestones must be met on time and in budget. A. The development of the plan B. Identify the channels to be used in the marketing plan C. Establish a review process

First Accomplishment in My Life Essay

It is so difficult to live in the United States, the land of opportunity, without education and the English language. Without these two things, our lives seem like meaningless. My family is one of the victims of this problem. Two years ago, when I was a senior student in high school, I almost could not graduate from high school with diploma in hand because of failing the exit exam twice and my lack knowledge of English. At that time, I really wanted to give up and ended my education at that level, but the encouragement of my parents had helped me go through this challenge to succeed the first accomplishment in my life. The first challenge started out when my family immigrated to this country. Indeed, living in an unfamiliar place is not easy at all. Everything is totally different from my own country such as the weather, culture, food, communication, and education. My first educated place in America was Rancho Cordova High School which is located in Rancho Cordova county of California. Truthfully, when I first began to learn English with eleventh grade in High school, I was just like a deaf and mute person in the class. I didn’t understand what people were saying, and of course I could not speak English as well as people here. The second day of school, I carried the schedule around the school with innocent face and lost my direction to get into the classes. At that time, I even could not express my feeling by asking the only basic question such as â€Å"Would you please tell me how to get into this class.† In that moment, I recognized myself was an alien who came from another planet. My feeling was so down, and I felt so lonely in the world. One day, when I was sitting alone in the bench at school, a white girl with a pretty blond hair whose name is Sarah dropped by to say hi and wanted to make friend with me. She asked me whole bunch of questions, but I didn’t know how to response. After few minutes, she knew that I couldn’t speak English, and she just walked away. I almost cried out in the public, and I felt myself so stupid. Time by time, I began to be familiar to the new life and my studying at school. At that moment, the goal of graduating from high school was important than anything in the world. This is not only my dream and also a significant promise to my lovely parents, because I wanted them to be proud of their only daughter in the family. Besides that, I wanted to bring an honor to my family, take fully care and support sufficiently for the rest of their life with certain status in the community. A year later, the last year of high school, I should be very happy instead of the anxiety and sadness which were carried on my face. Unfortunately, something happened out of control; everything turned out bad to my goal. The other obstacle had come to me again, and I know that I had to deal with another challenge. In that year, class of 06, the educational law had changed in California. The government had required all the students to pass the California Exit Exam to graduate or we could not walk stage. I was so worried about this problem because I already failed it twice. I only had one more chance to take it in February. Actually, with two years of learning English, this test was really a struggle for me. I totally lost self-confidence at that time. I was so upset about the promise I made. I always asked myself â€Å"what can I do now?† When my parents received the news, they didn’t feel so disappointed about me. Furthermore, they encouraged me to work harder and try all my best to do the exam as good as I can. With their support, I completely got back self-confidence to struggle with the next challenge. The morning of the exam day, I got up as early as I could to prepare spiritedly for the test that will take four hours. When I walked into the kitchen, I could sniff out the smell of delicious sunshine up egg with bread, which is ever my favorite food for breakfast, that mom cooked in the early morning. When I was ready to leave the house, my parents gently said to me that â€Å"Loss is experience of success. Mom and dad always stay behind to support you. Don’t worry! My sweetie† I looked at her with tears in my eyes and said,† Mom, I won’t disappoint you.† After two months, the result of exam was coming on May 10. At that day, when I walked into the counselor’ office to receive the result, my hand was shaking, my heart was pounding so fast, and I entered into Mrs. Tiger’s office with extremely worried face. Meanwhile, she announce my result with smiling face that â€Å"Congratulation, you pass the exam with the score 361†. At that moment, I was so surprise, excited and happy. Rapidly, my tears kept falling, and I couldn’t even hold it. Finally, my dream had come true, and I told myself that I did it. Absolutely, I could have a graduated invitation for my parents. The graduation of my senior year was celebrated at the gorgeous park in Cal-Expo. Obviously, I was so nervous and excited on that big day. There is one scene always store in my mind which was my parents’ joyfulness during the whole night. On that big day, they gave me a really big bundle of red roses. For me, whatever presents which I had received are not valuable than their happiness. After I went through this difficult time, I recognized that it was only the threshold of my life. For an English learner like me, I know that there is more obstacles will happen in the life of college. Therefore, it helps me to prepare more strength and spirit to struggle to a lot of other challenges in college. Besides that, I also received the valuable lesson of two characters that a person need to have which are persevering and hard working are so important for us. These both characters will lead us to the way of success. Also, the most valuable lesson I had learned from this challenge that parents is extremely part of my life; my parents are ever significant people in my life because they are always by my side to support me whenever I overcome the challenge or difficult problem. Without them, there is no life at all for me.

Shang Dynasty And The Roman Empire Primary Sources

Prompt 2: Shang Dynasty and the Roman Empire Primary Sources Historians depend on textual, artistic, and archaeological evidence to create narratives about various historical cultures. By analyzing primary sources, historians can determine what type of society existed, what forms of government were in power, and even what society held to high standards, such as honor. Certainties about the Roman Empire, in Europe, experiencing civil unrest, eventual re-installment of the Republic, and expectation of its citizens are supported by the primary source, â€Å"The Rape of Lucretia.† Alternatively, certainties about the Shang Dynasty, in East Asian, utilizing religion and politics together to determine natural phenomenons in life are supported by the primary source, â€Å"Shang Oracle Bones.† Ultimately, primary sources give a pretty clear and reliable picture as to how society functioned during the time periods that are being studied. The primary source, â€Å"The Rape of Lu cretia† written in 17 AD by Roman historian named Livy, who authored The History of Rome. The story is a form of propaganda that criticized the Roman monarchy while encouraging the reinstatement of the Roman Republic. The narrative depicts the rape of an honorable woman named Lucretia, who was admired for her humble, modest, hospitable, and dutiful nature. Tragically, she was raped by one of the emperor’s sons, Sextus Tarquinius. After she confides in her husband, father, and family friend Brutus about the Sextus’s crimeShow MoreRelatedAp World History Units 1-3 Study Guide Essay4374 Words   |  18 PagesRoad trade * Advanced use of technology 32. Which of the following mathematical concepts, essential for positional notation and the manipulation of large numbers, was invented by Mayan mathematicians? * Zero 33. The ultimate source of wealth in any agricultural society is * Land 34. This passage from the Upanishads explain what Hindu concept? â€Å"According as a man acts and walks in the path of life, so he becomes. He that does good becomes good; he that does evil becomesRead MoreWorld History AP8768 Words   |  36 Pagesin the empires described in this chapter? †¢ All empires controlled large areas and populations. †¢ All empires were brought together by conquest and funded in part by extracting wealth from conquered peoples. †¢ All empires stimulated the exchange of ideas, cultures, and values among the peoples they conquered. †¢ All empires sought to foster an imperial identity that transcended more local identities and loyalties. †¢ All empires ultimately collapsed. 2. In what ways did these empires differ fromRead MoreCountry Note Book of China17054 Words   |  69 Pagescontinued for centuries, was established as early as 221 BC. Although specific dynasties were overturned, the dynastic system survived. China was even ruled at times by foreign invaders, such as the Mongols during the Yuan Dynasty, from AD 1279 to 1368, and the Manchus during the Ching Dynasty, from AD 1644 to 1911, but the foreigners were largely absorbed into the culture they governed. It is as if the Roman Empire had lasted from the time of the Caesars to the 20th century, and during that timeRead MoreMuseums Essays10752 Words   |  44 Pageswhere visitors can be entertained, inspired, and introduced to new ideas. Museums enrich local cultural life and make communities more appealing places to live and to visit. For  society  as  a  whole, museums provide valuable intangible benefits as sources of national, regional, and local identity. They have the singular capacity to reflect both continuity and change, to preserve and protect cultural and natural heritage while vividly illustrating the progression of the human imagination and the natural

Boston Conservatory at Berklee Acceptance Rate, SAT/ACT Scores

Boston Conservatory at Berklee is a performing arts conservatory with an acceptance rate of 33%. In 2016, The Boston Conservatory (renamed Boston Conservatory at Berklee) merged with Berklee College of Music and the two became known as Berklee. While the schools have merged, each school has an Independent admissions and audition process. Founded in 1867, Boston Conservatory at Berklee one of the oldest performing arts institutes of higher education in the country, The campus is located in the Fenway-Kenmore neighborhood, home to several other colleges and universities as well as many of Boston’s cultural treasures. The conservatory strives to maintain a selective, intimate learning environment with very small classes and a student/faculty ratio of just 5-to-1. Academics are divided into divisions of music, dance, and theater; students can pursue bachelor of fine arts and bachelor and master of music degrees in a range of concentrations. Campus life is active, with students participating in dozens of clubs and activities as well as more than 700 performances each year at the conservatory and locations across the city. Considering applying to this selective school? Here are the Boston Conservatory at Berklee admissions statistics you should know. Acceptance Rate During the 2017-18 admissions cycle, Boston Conservatory at Berkley had an acceptance rate of 33%. This means that for every 100 students who applied, 33 students were admitted, making Boston Conservatorys admissions process highly competitive. Admissions Statistics (2017-18) Number of Applicants 1,711 Percent Admitted 33% Percent Admitted Who Enrolled (Yield) 27% SAT Scores and Requirements Boston Conservatory at Berklee does not require SAT or ACT scores for admission. Applicants may choose to include SAT or ACT scores if they believe they will add value to their application. Requirements Although not required for admission, applicants to Boston Conservatory at Berklee College may submit SAT scores to supplement their application. The writing section of the SAT is not required. ACT Scores and Requirements Boston Conservatory at Berklee does not require SAT or ACT scores for admission. Applicants may choose to include SAT or ACT scores if they believe they will add value to their application. Requirements Although not required for admission, applicants to Boston Conservatory at Berklee College may submit ACT scores to supplement their application. The writing section of the ACT is not required. GPA Boston Conservatory at Berklee does not provide data about admitted students high school GPAs. Admissions Chances Boston Conservatory at Berklee, which accepts just a third of applicants, has a selective admissions process. The most important factor in admissions is the audition. Interested applicants are encouraged to review the audition requirements for their intended major. Applicants with the necessary artistic talent are evaluated holistically by the admissions committee. The review process considers grades, test scores, letters of recommendation, and essays in making admissions decisions. Most successful applicants have above average high school GPAs and a  rigorous high school course schedule  including AP, IB, and Honors courses. All applicants must also submit an artistic resume and complete a virtual, online interview. If You Like Boston Conservatory at Berklee, You May Also Like These Schools: Applicants interested in schools with a strong performing arts or music program should also consider Berklee College of Music, Boston University, The Juilliard School, and Carnegie Mellon University. All admissions data has been sourced from the National Center for Education Statistics and Boston Conservatory at Berklee Undergraduate Admissions Office.