Electronic Funds Transfer Essay

Living in an electronically controlled world today, it is not that hard to accept the fact that almost everything is primarily controlled by technology. Here comes the age when almost everything happens within a single click. Apparently, almost everything in the society happens within seconds. This has been primarily enhanced through the existence of online connections through the development of the internet. The developments of banking systems at the same time have also been pushed through. With the existence of the online trading procedures, the development of fund transfer processes also demanded several progresses in terms of creating the possibilities of handling the money the fastest way possible. To be able to meet the needs mentioned above, it could be observed that the need for express money transfers is heightened. With the many money exchanges happening around the globe regularly, the old system of money transfer that requires time and several complicated procedures of claiming the transferred funds already is being gradually eliminated in the human society. The need for a speed enhanced transfer of money could obviously not be met by the said type of fund transfers. On the other hand EFT’s or Electronic Fund Transfer gives the best possible way of sending money from all over the world towards the different regions of the world. More than that, the security of money transfer has also been heightened by this particular type of monetary transaction procedure. To be able to learn more about the said procedure of money transfer, it is necessary to know the basic information pertaining to its primary developments. How it all Began The developments of EFT’s have been primarily handled by banks who wanted to increase the services that they provide their clients with. It could be noted that through the increased concern of investors and economic enthusiasts in enhancing the processes of fund transfer around the globe gave the bankers an idea on what to actually apply in the procedures of developing the said system of money transfer from person to person and company to company transactions. At first, the development of this particular process assisted on credit transactions, the use of cards in monetary transactions and other basic procedures concerning monetary procedures of transfer. However, when the bankers found out the possibility of utilizing the benefits of online connections in this particular process, the development of the integration of online internet connections within the procedures of completing bank to bank monetary transactions has been pushed through. Now, through the internet alone, investors, businessmen and even just ordinary bank depositors could already transfer and receive funds through the internet. The said procedure of monetary fund transfer enhancement also involves several other types of other monetary transactions such as: †¢ Sale: where the cardholder pays for goods or service. †¢ Refund: where a merchant refunds an earlier payment made by a cardholder. †¢ Withdrawal: the cardholder withdraws funds from their account, e. g. from an ATM. The term Cash Advance may also be used, typically when the funds are advanced by a merchant rather than at an ATM. Deposit: where a cardholder deposits funds to their own account (typically at an ATM). †¢ Cashback: where a cardholder withdraws funds from their own account at the same time as making a purchase. †¢ Inter-account transfer: transferring funds between linked accounts belonging to the same cardholder †¢ Payment: transferring funds to a third party account †¢ Inquiry: a transaction without financial impact, for instance balance inquiry, available funds inquiry, linked accounts inquiry, or request for a statement of recent transactions on the account. Administrative: this covers a variety of non-financial transactions including PIN change. (Source: Wikipedia. http://en. wikipedia. org/wiki/Electronic_funds_transfer. ) These types of transaction involves client to company, company to bank, then bank to bank communication to be able to complete the transaction transfers. It has been found out through studies system of electronic fund transfer transactions receive a considerable number of people who are able to appreciate the benefits of the said monetary transaction procedures (Davies, 1989, 34). The said system of fund transfer involves numerous communicating procedures between several parties. This is to verify the identity of the senders as well as the identity of the receivers for the sake of security purposes. The Benefits of EFT Looking through the view point of the senders of the monetary funds that are to be transferred, it could not be denied that there are several benefits that outline the entire EFT procedures making it more practical for investors, business enthusiasts as well as local depositors to make use of. The said benefits include the following: (a) Speed Most fund transfers that are assisted through electronic devices such as online bank connections and other transferring agents, the transfer time processing takes at least tow to three days if the location is just within the country, whereas it takes four to five working days when the transactions are to be done internationally. Either way, the procedures of the transfer in the case of EFT is far much faster than that of other mailing based transfer procedures. (b) Security  Since no actual money is going to be transferred from party to party, there would be fewer cases of funds being lost. Everything is tracked through network systems, enough reason for senders to be rest assured that what they sent would be received by the people that they are sending the funds to as it is. (c) Minimal Fees Since the speed is heightened, this particularly means that the parties involved in the transactions are minimized as well. Hence, the fees that are charged are much lowered down in rates that are most likely more acceptable to the senders of the money. (d) Transaction Order Details are Intact  It has been much necessary for this particular type of money transfer to keep everything on track. This particularly means that the transaction details are kept for repeated updating of the people who are sending the money to help them keep good track of their funds basing from the amount of monetary funds that they send out. (e) Money Managing assistance The tracking details of the systems actually encourage the clients to have an effective way of managing their money. It is through this procedure that they are able to assist their clients in controlling their use of their money. With the benefits mentioned herein, it could be observed that the EFT procedures indeed increase the capabilities of the senders and the receivers of money to control their funds through continuous and accurate tracking procedures. It is through this that the clients are well served by the banks through the integration of bank systems, electronic transfer and online connections. This is particularly the main reason why most business enterprises today choose to pay their investors and their employees through EFT procedures. They intend to give their employees bank cards that would allow them to withdraw their payments through ATM automation. The investors on the other hand receive their shares of the company profit in the same manner. At times, they give their accounts to the business financial administrators and then the funds are simply transferred to their accounts in time of cut-offs. The Governing Laws According to Roland E. Brandel’s book entitled â€Å"The Law of Electronic Fund Transfer Systems† (2005, 15), â€Å"the impending large influence of technological innovations within the economic advancements of the human society is indeed making a great change in the way the people used to view banking systems†. It is through the development of the said systems that the people already view banks to be one of the most efficient performing sectors of the human society. However, because of several security measures, the government along with the basic regulations of the banks has passed several outlines of procedures that should be used to be able to access EFT systems in a much safer way. It could not be denied that it is also through the existence of EFT’s that some computer hackers are able to access the identity of other people and worse, are able to make machinations to be able to fraudulently steal form their accounts through online connections. It is for this particular reason that the security measures have been pushed to the limits. Everything is highly being tracked especially when it comes to fund transfer procedures. According to Tan Beng Chye Dennis: â€Å"The U. S. Government monitors EFT compliance through Regulation E of the Federal Reserve Board, which implements the Electronic Funds Transfer Act (EFTA). Regulation E governs financial transactions with electronic payment services, specifically with regard to disclosure of information, consumer liability, error resolution, record retention, and receipts at electronic terminals. † This is only among the ways by which the government protects the funds of the people who are using the said transfer system. The security of the money that they send through electronic procedures is one of the primary concerns of the banks and the online financial companies that process the service. With the close observation of the procedures of the EFT system, it could be noticed that the authorization of who should only be involved in the transfer as well as with the receiving of the funds are held in direct tracking, this is particularly to address the safety of the fund and the efficiency of the service. Conclusion The modern day business procedures are indeed engaging in the band wagon of becoming highly high-tech in completing the services that they ought to give their clients as well as their employees. Through the existence of EFT systems, the business transactions of many multinational business organizations experiences ease at present. Book keeping procedures have been reduced and paper works have been gradually minimized. It could be observed that through the integration of the new technology with the procedures of helping the business companies perform their most important roles of providing funds to the society their jobs became much easier to complete. Moreover, the enhanced security of fund transfer procedures through electronic application and the integration of the law within the system give much promise to a more efficient service provided by the banks in coordination with the online financial assisting companies. True, technology has not only increased the efficient capabilities of the bank systems in transferring funds, it also eased the procedures of business transactions and assured the clients in receiving their money in a secure procedure. It could be observed that the expectation for a more complicated and comprehensive procedure in fund transferring processes in the future is indeed reasonable. The never-ending changes that happen in the banking systems are certainly to be enhanced for better service to the clients that the banks and financial companies ought to lend some service to. Indeed, the researches that are done today regarding this particular matter certainly would bring much better results for the business industries.

Alcoholism and its link to poor self-esteem

Prior to maturity is the stage of adolescence. This is the period where physical and psychological changes take place. The beginning of adolescence is indicated by physical changes known as puberty. With these changes, entail the teenager’s self-perception regarding his physical transformation. Although this aspect is only one of the areas that might seriously affect an adolescent’s self-esteem, it is also a major consideration in the understanding of the youth’s developing self (Halonen & Santrock, 1996).These physical changes affect personality; radical changes in attitudes and interests may occur, but there is consciousness in acting the role of adults. Conflicts may be experienced or may arise as a result of psychosocial behavior patterns in the attempt to achieve maturity. Accepting one’s physique, therefore, is considered one of adolescent’s developmental tasks(Hilgard, 2001).In addition, there is also the emotional independence from parents; developing intellectual skills and concepts necessary for civic competence; desiring and achieving socially responsible behavior and building values in harmony with adequate scientific world-picture (Halpern, 1992). These are actually innate cravings of every individual person and must be resolved especially in such a critical period as adolescence. Problem statements Basic theoretical viewpoints in social psychology are divided on the effects of self-esteem on an individual’s functioning relative to his/her world.One extreme views self-esteem as the root cause of all of society’s problems and that raising it is to solve many social ills. Where poor performance in school is a perennial problem, unemployment or poverty is concerned, the advocates say that poor self-esteem is at their roots. Alcoholism for instance may indicate that an adolescent is having a problem with self-esteem (Pritchard, 2007). This research intends to show that there is a strong correlation betwe en the poor self-esteem and adolescent alcoholism in terms of a teenager’s deficiency and maladaptive patterns in confronting issues concerning himself and his role in his community.Also, in an attempt to provide appropriate recommendations that might be useful for a possible reduction to the incidence of adolescent alcoholism, underlying causes of such phenomena will be analyzed. Specific Main Questions and Sub-questions: Based on the developmental tasks that are expected to occur during the adolescent stage and the context in which self-esteem plays a role in alcoholism, the main research question of this study was drawn as to †¢ What is the correlation of poor self-esteem to adolescent alcoholism?The subsequent research sub-questions that will guide the framework of the research study are as follow: A. What is self-esteem? B. What are the effects of low self-esteem to adolescents? C. To what extent does alcoholism in adolescents a reflection of low-esteem? D. What are the reasons that contribute why adolescents with low self-esteem lead to such maladaptive behavior as alcoholism? E. What are the interventions available to help adolescents with low self-esteem who suffer in alcoholism. F.What strategic approaches could be used to reduce the incidence of lowered self-esteem? CHAPTER TWO LITERATURE REVIEW Title: Self-esteem and its relationship to alcohol and substance abuse prevention in adolescents Author: Joseph, Donnelly, PhD. Studies regarding substance abuse (alcohol included) yielded results that clearly associate self esteem closely to it. Those who are engaged in alcohol use in later or older age do so because they have learned the use of it in their early and moldable years (11 years old or 5th & 6th grade).Consequently, attempts have been made to deal with the area of self-esteem in hopes that when this psychological problem among teens is addressed properly, substance abuse might somehow be curbed. There are programs that cater to this need and they are actually placed side by side with the traditional curriculums of some schools. The specific aim of the program is prevention and anticipates a positive effect since it seeks to deal with the potential problem of alcohol use before its actual occurrence.Experts and researchers believe that this quandary of alcohol abuse among teens may be helped by treating it in a stage where it is less obvious – that is, when the youngster is not yet manifesting or is obviously using alcohol, but on the brink of experimenting on it (Donnelly, 2007). Advocates of the program are optimistic to the efficacy of their method. The line of attack of this particular method is directed towards factors that are crucial to the make up of adolescents’ life experiences.Understanding the transitions that teenagers most likely will go through is the underlying principle that facilitated the study that eventually led to the formation of this program. Hence, the high hopes that the p roponents of this program maintain. In this paper, the author tries to explore and explain the rubric of the particular synopsis mentioned above and to finally (in the process) convince its readers of its viability in decreasing the problem of alcoholism among teens and young adults in the coming years.It will explain the rationale behind the effectiveness of the curriculum since the whole program is aimed at the core level of the perpetual potential problem of alcohol addiction. ~Feasibility of the Program The National Association for Self-Esteem (NASE), as the very name of the association clearly implies, believe that the self-esteem of the individual plays a major role why or why not that particular person is using/abusing or not using/abusing alcohol.The observation is that teenagers with low self esteem have higher likelihood to experiment not only with alcohol but with other harmful psychoactive substances than those with high self-esteem. Furthermore, their studies yield evid ences that point to the fact that individuals with positive self-esteem show not only little serious involvement with addictive substances but lesser tendency to risk trying the pleasures of these drugs. Convinced of this observation, self-esteem proponents constantly research and write articles that speak to the issue.They support a prevention program which has within it as crucial part â€Å"self-esteem enhancement. † Not any prevention program or traditional approach to the problem will achieve a longer-lasting effect. Overwhelming data available have proven that traditional school programs are not sufficient to address the issue; in order to be really effective in curbing alcoholism among teenagers, it is very important that as researches yield additional information, new strategies should be incorporated and employed as well.Important factors along with self-esteem that must be tackled include: personal efficacy, ability to decide wisely for oneself, and communication sk ills, etc. These areas must be developed since they influence and affect the behavior of an individual. It is believed that when these basic skills are taught and cultivated, rather than concentrating on the harmful effects of alcohol, tobacco, and illicit drugs, the benefits will be much more than the reduction of the likelihood of teenagers and young adults to use and abuse drugs.Involvement with other behavioral correlates like unsafe sexual encounters, and teenage pregnancy, will also diminish. The timing of the implementation of this kind of preventive program in schools for it to really achieve its goal among teenagers is also emphasized. It has to be implemented early, or else, its efficacy will lessen. Dr. Joseph Donnelly (self-esteem proponent) said: â€Å"It is much easier to prevent adolescents from ever engaging in the use of substances than it is to deter that use once it has begun. † Title: Self Esteem Author: Dr. E. PritchardAccording to the author, the concept on self esteem hinges around the physical attractiveness of a person rather than on objective values or qualities. Dr. Pritchard attempts further that for most people who regard physical attractiveness as pre-eminent to be on top of the world of men, self-esteem then will become an issue. The author narrows the two important salient features in concept of self esteem which includes: -â€Å"a feeling of being lovable† -â€Å"a feeling of being competent† He qualifies also such distinction that low self esteem is not the same as depression.He also identifies two strong motivations people have: the need for praise or compliment or a positive feedback, and the need for self-verification. He further mentions that ecological niches in every individual provide a clue as to the degree that our self-view is adversely affected. In a related study on Marital Bliss, couples are said to be observed as more committed to each other due to their consistent self-view; i. e. , one who has a positive self-view is more committed to the other who also has a positive self-view.Furthermore, Pritchard examines the validity of the claim and states his own argument against what is seemingly narrow understanding of the concept: if self-esteem may be a root problem in society’s problems and if the resulting ills that society is recipient of is suffering from poor self-esteem, then it is logical that raising it will positively eradicate if not remove the problems of people. Title: Urban-rural differences in adolescent self- esteem, leisure boredom, and sensation-seeking as predictors of leisure-time usage and satisfactionAuthor: Winsome Rose Gordon and Marie Louise Caltabiano The author seeks to establish the mediation of low self-esteem over the adolescents’ choice to opt for deviant behavior rather than on more socially acceptable conduct. Deviant behavior refers to use and abuse of drugs as observed in the study. Other factors such as leisure boredom and se nsation-seeking as possible mediators as self-esteem is known to be more effective in drawing an adolescent to engage in rather in more productive venues. Title: Evaluating the effects of self-esteem on substance abuse among homeless men (evaluating self-esteem)Author: Barris P. Malcolm It is especially significant that even in studying homeless men, it is important that studies like these further cement the role of self-esteem plays in the choice to use chemical or other substances. It also reviews the studies done by Kaplan in that a strong link tying self-esteem to the possible dependence of individuals to alcohol and other harmful substances. The study seeks to provide the theoretical framework to support the notion risky behaviors including indulgence with alcohol and drugs are associated with low self.In similar attempts to elaborate the research, the author also cited the inconsistent reports and studies done by several authors which claims that alcoholism results to higher s elf-esteem rather than its opposite. Title: Self-esteem: the costs and causes of low self- worth Author: Nicholas Emler Emler collated and presented his facts on several studies that support the close correlation that a poor self-esteem influences the individual’s choice to adopt a destructive lifestyle. However, in this study, Emler clarifies that o Self-esteem can actually be measured and quantified reliablyo Parental influences play a direct part in developing the child’s view of self hence, a low self-esteem stems from such factors as parenting styles, physical and sexual abuse o The interventions that have been developed by experts are still limited and are not known to be effective for a long period of time. o Strategic approaches implemented and public policies have their specific outputs as a response to the position that low self-esteem can be equated with self-destructive patterns. o Other factors such as belonging to a particular minority group, race or gend er may be root causes that a person like an adolescent is specifically tempted.The review and in-depth report reflect the negative correlation between self-esteem and the factors just enumerated. Reference: 1. Donnelly, Joseph. 2004. Self-Esteem and it's Relationship to Alcohol and Substance Abuse Prevention in Adolescents. Dept. of Health Professions/PERLS National Association for Self-esteem. 2. Emler, Nicholas. 2001. The costs and causes of low self-esteem. Joseph Rowntree foundation. 3. Gordon, Winsome Rose. 1996. Urban-rural differences in adolescent self-esteem, leisure boredom, and sensation-seeking as predictors of leisure-time usage and satisfaction. Adolescence. p. 1 4. Halonen, JS, & JW Santrock.1996. Psychology: contexts of behavior. Dubuque, IA: Brown and Benchmark, p. 810. 5. Hilgard. E, et al. 1983. Introduction to Psychology. 7th edition. New York: Harcourt Brace Jovanich. 6. Malcolm, Barris. 2004. Evaluating the effects of self-esteem on substance abuse among homele ss men (evaluating self-esteem. Journal of Alcohol and Drug Addiction. 7. Pritchard, John. Self Esteem. Accessed September 27, 2007 < file:///D:/Documents%20and%20Settings/alan/My%20Documents/ALCOHOLSIM%20AND%20SELFESTEEM/social98b. html> 8. Halpern, D. F. 1992. Sex differences in cognitive abilities. 2nd ed. Hillsdale, NJ; Lawrence Erlbaum.

The Economy and the Impact on Students, Parents and Colleges Coursework

The Economy and the Impact on Students, Parents and Colleges - Coursework Example education and training of the country’s workers. The wage rate of a particular country is affected by the education as well as training of a particular worker. It is a well known fact that a well-trained as well as educated worker is found to be more prolific and tends to earn more money in comparison to illiterate workers. It is the difference in the level of the training that has a propensity to separate the rich as well as poor nations. Most of the employers prefer staffs who tend to be efficient and productive as well as necessitate minimal management. There are various factors that need to be considered by the employer when making plan whether to pay for the employees training or not such as the enhancement of the productivity of the employees, loyalty of the employees and employees commanding a higher wage among others (Sturm, 2012). Most of the workers are found to be enhancing their earning capacity by emphasizing upon their capabilities about a particular job. The emp loyees are found to be interested in learning to operate the new technologies in order to compete for high wages. The employees are supposed to consider numerous factors when taking training. They need to consider the extra productivity that they expect to attain, the cost of training program and the trends in labor market for trained professionals. Most of the countries focus upon the creation of the education system so that they can attain skilled workers. The economy of the country is found to be flourishing with the increment in the number of the educated personnel (Sturm, 2012). Education and Its Impact upon Economy of New Jersey The impact of the recent economic downturn has been hard-hitting in New Jersey. This downturn has compelled the... This essay approves that two factors tend to determine how well a country’s economy will do i.e. education and training of the country’s workers. The wage rate of a particular country is affected by the education as well as training of a particular worker. It is a well known fact that a well-trained as well as educated worker is found to be more prolific and tends to earn more money in comparison to illiterate workers. It is the difference in the level of the training that has a propensity to separate the rich as well as poor nations. Most of the employers prefer staffs who tend to be efficient and productive as well as necessitate minimal management. Most of the workers are found to be enhancing their earning capacity by emphasizing upon their capabilities about a particular job. This report makes a conclusion that there is a considerable impact of education on the economy. With the increase in the number of the educated personnel in a particular economy, there is rise in the economy as well. It is the knowledge as well as the dexterity of the workers accessible in the labor market that determine the growth of the businesses as well as the economy. The economies possessing supply of skilled personnel brought up by means of school and college education and training is capable of capitalizing on this through creation of value added industries. The workers with high college degrees earn relatively high wages in comparison to the ones without college degrees. Hence, it is significant for the economy to place greater emphasis upon the training and education of the citizens.

Security Engineers Inc Research Paper Example | Topics and Well Written Essays - 1000 words

Security Engineers Inc - Research Paper Example On what other jobs in private security that they have held, I was told they were protective services for VIP’s threatened employers, and surveillance. Supplementing of the interviewee experience was the reason he pursued career in private security. I asked what their opinion was, what was the difference between public and private organizations. His answer were, private security do not have much red tape when substandard employees are detected. In government institutions, there are restrictions to terminate employees. Para-military organizational structure was the answer I got after asking what the similarity was between public and private organization in their community. Weapon qualifications, annual in-service classes and eight hours of training were the answer to the minimum qualifications for employment. I asked how the media image of local law enforcement is and he told me that public views the local police agencies as inadequate. I asked him about the name and location, o f employer, which he gave me as Security Engineers, Inc, in Birmingham, Alabama. I asked for his contact numbers and he gave me (205)-251-0566. He had worked for nine years and he had previously been employed at National Guard MP Unit. He did bachelor in criminal justice after asking about his education. He said that opportunities for advancement are average due to limited size of department. Security Engineers, Inc Company is a private security organization, which is in Guard, Detective, and Armored Car Services industry located in Birmingham, Alabama with contracts all over the southern states. Their postal address is; P. O. Box 10231 (35202), Birmingham, AL 35203 (Security Engineers, Inc, 2010). Their fax and telephone number are; Phone: (205) 251-0566, Fax: (205) 251-6827 (Security Engineers, Inc, 2010). Administrative functions like accounting, training, human resource; payroll and central operations in the entire of Birmingham are hosted by the security engineers. They work 24 hours in a day, 7 days in a week and a total of 365 days in a year. The primary difference between public security, for example, the police and private security is that private security does not have much as much red tape when sub-standard employees are detected. On the other hand, government agencies have all kinds of restrictions to terminate employment of substandard employees. However, both public and private security organizations, for example, Security Engineers, Inc, have a Para-military organizational structure. Security Engineers, Inc also combines forces and resources to prevent and combat crime by providing eyewitness information that assists law enforcers to pursue criminal activities, in Alabama. Although the media views the local police department and the sheriff’s department as in adequate in the area, not much media attention is given to Security Engineers, Inc. The company’s mission is to bring forth quality uniformed security services to private secu rity industry particularly to the communities they serve (Security Engineers, Inc, 2010). Development of strategic operation centers is very essential in establishing reputation in any security industry. Security Engineers, Inc has strategically operational centre and professional management is practiced in the company, which sets the company aside from competition n the industry. Experience is their strongest element; since their managers are, have a broad collection of experience in military, private security

Econometrics Asignmnet using E-VIEWS SOFTWARE Essay

Econometrics Asignmnet using E-VIEWS SOFTWARE - Essay Example The company can estimate the sales to be using a regression model. The sales depend on the variables mentioned such as the USA nominal GDP, USA unemployment rate and the PMI index. The report provides a correlation matrix and regression model with the data on the sales being regressed and the output analysed. The correlation matrix shows that the variable for sales is significantly correlated with the USA GDP nominal with a positive Pearson coefficient of .957 (which shows a very strong positive correlation). The other two variables are also correlated with the dependent variable (with PMI index being negatively correlated with the dependent variable while USA unemployment rate having a positive correlation) they are however not significant at 5% significance level. The results from the regression model show that the explanatory variables have a lot of impact on the dependent variable (Sales). The study established that approximately 95.91% of variation in the dependent variable (sal es) is explained by the three explanatory variables (USA nominal GDP, USA unemployment rate and the PMI index) in the model. According to Creswell (2003), regression analysis is a statistical tool that is usually utilized by many researchers to investigate the relationship that exists if any between two or more variables. The aim of the investigation is to find a causal effect relationship. Using the data, the researcher can assess the statistical significance of the relationships that have been estimated. The level of confidence that is to be established is that the estimated relationship is close to the actual relationship. Regression analysis has been in use for many years and it has increasingly been applied in various disciplines (Jankowicz, 2005). This study uses regression analysis to establish the relationship that exists between the actual sales made by 3M Company and the independent variables. Using a regression model, the company will find a viable way of determining its

Bispecific antibodies Research Paper Example | Topics and Well Written Essays - 5750 words

Bispecific antibodies - Research Paper Example In recent years, antibody therapy has become a new treatment modality for tumor patients, although the majority of responses are only partial and not long lasting. Based on evidence that effecter- cell-mediated mechanisms significantly contribute to antibody efficacy in vivo, several approaches are currently perused to improve the interaction between Fc receptor-expressing effecter cells and tumor target antigens. With this purpose the invention of monoclonal antibodies in vivo started. In the initial phase the results were not satisfactory and these antibodies in trial in vivo showed a only 20% clearance of the tumor cells but after letting it go through different formatting processes it went up to achieving 80% clearance. Bispecific antibodies have got 2 hinging sites which are specific for getting attached to immune recruiting cells and also to target antigens which are mostly transformed cells. "Bispecific antibodies (BsAb) can, by virtue of combining two binding specificities, i mprove the selectivity and efficacy of antibody-based treatment of human disease. Recent studies underline the importance of both the 'anti-trigger' and 'anti-target' modalities of BsAb for therapeutic efficacy". (Spriel, A.B., Ojik, H.H.V, & Winkel, J.G.J. 2000). There has always been an issue of side effects when it comes to cancer therapy and a lot of patients would not even go for therapies due the bad side effects. In the past few decades things have started improving an the standard mode of ontological therapies which were chemotherapy and radiation it is now switching more towards treatment of cancer with more of antibiotic and immunoglobulin. This has brought a lot of hope for future success in getting a strong hold of cancer with fewer emergences of side effects. Bispecific antibodies do not occur in nature and they need to be synthesized in vivo, through either recombinant DNA, or cell fusion technique. "Bispecific antibodies have been manufactured by fusing the DNA encodi ng a single chain antibody (ScFv) after the C terminus (CH3-ScFv) or after the hinge (Hinge-ScFv) with an antibody of a different specificity. The fusion protein is expressed by gene transfection in the context of a murine variable region. Transfectomas secrete a homogeneous population of the recombinant antibody with two different specificities, one at the N terminus (anti-dextran) and one at the C terminus (anti-dansyl). The CH3-ScFv antibody, which maintains the constant region of human lgG3, has some of the associated effectors functions such as long half-life and Fc receptor binding. The Hinge-ScFv antibody which lacks the CH2 and CH3 domains has no known effectors functions". (Coloma, M.J. &'Morrison, S.L. 1997). Production of Bispecific antibodies has been a challenging task but has still been encouraged because of the advantages it has towards treating cancer with less side effects. There are still some disadvantaged of cost and failure rate, and future challenges and tasks are also to be taken in consideration. We will have an overview of the rational of producing Bispecific antibo

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It's a personal statement to apply a graduate or phd of economics

It's a to apply a graduate or phd of economics major. (2 pages, around 750) - Personal Statement Example Being an international student, I want to learn more and study in an international university to be successful. I read â€Å"The Wealth of Nations† when I was in high school in Shanghai, China. From that time, I have studied a number of other books and have realized the importance of economics not only in our daily life but in the overall system. By studying this book, I analyzed why some people are poor and some are rich and several other secrets of life. This was just the first book that I read on the subject of Economics and from then, I have read a number of books related to economics, Macroeconomics, Microeconomics, Econometrics, Environmental Economics, Economic Issues in China, Developmental of economics and several others. I love economics but this does not mean I have not valued other subjects. I like different subjects such as Mathematics, Philosophy, Law, Politics, Arts, History, Aesthetics and Sociology. I have studied different subjects throughout my academic career such as Western Art, History, Eastern and Western Civilization, Psychology, Music Appreciation and Theatre Appreciation. I am very good with subjects related to mathematics as well. When it comes to calculations I believe I am a champion. I have also studied different subjects in the domain of mathematics such as; Probability, Statics, Linear Algebra, Real Analysis and Geometry. Besides my academic career and studies, I have been a very popular and social person. I have been involved with different clubs and groups and this has helped in increasing my confidence and communication skills. I am an Executive Board Officer of KU Chinese Student’s Book Club. The aim of our club is to create awareness and enhance the knowledge regarding international affairs, western civilization and other important international issues that can help students in their professional life. The club focuses a

Close Reading of a Short Fiction Essay Example | Topics and Well Written Essays - 1000 words

Close Reading of a Short Fiction - Essay Example She went to the extent of even changing her name just to show her real ethnical identity. The name ZitkalaSa means ‘red bird’ in the Indian language. In writing her autobiographies: School Days of an Indian Child and Impressions of Indian Childhood, we learn more of the kind about her life and experiences. Discussion The publication, The School Days of an Indian Girl, has a purpose of explaining the experience the author had while attending boarding schools meant for teaching and civilizing Indians. In a much broader outlook, the publication aims at showing the whole world the suppression that the inherent American culture faced after the colonization of the United States. Zitkala uses the power of the pen to express the pains she underwent while trying to keep true to her beliefs and roots. The publication achieved its purpose for which it was written. The plot of the story is well defined, it begins with Zitkala as young girl of eight years, whose curiosity and innocen ce has given an intense desire for the apple orchards to be educated by missionaries. The plot develops as we are told of the experiences and suffering she undergoes together with her friends while at the mission school. However, the climax comes when she returns home to meet her mother. There is a sudden twist of events as she does not feel happy being at home; she wants to go back to school. The conflict comes in when her mother does not allow her to go back to the mission school. She goes back to school against the wishes of her mother and this creates a rift between them. The rift makes Zitkala unhappy and it is so unfortunate that the story ends before the rift between them is resolved. Zitkala is the main character in the publication. She is portrayed as a brave individual who is not threatened by anything despite her young age and small size. Her bold nature is seen in the way she was very adamant to cut her hair. The mission staff had to look for her and grab her by force. S he is also emotional, and this is seen in the way she always hid in her room and cried because they were not in good times with the mother. The lady at the mission school is also another character that helps in plot development of the story. She is a symbol of pain and suffering. She is very cruel and often punished Zitkala and her friends even in situations where they did not misunderstood each other. Zitkala tells in a melancholic way how sometimes they were punished unjustly for the misunderstandings. This made her seek for revenge in some little ways. She narrates how she blames the well-meaning, hardworking and ignorant woman who was inculcating superstitious ideas in their young and pure hearts. In addition to the sadness that those days bring to her, they cast darkening shadows of how her past years had been. Loss of freedom clearly portrays itself as a main theme in Zitkala’s publication, The School Days of an Indian Girl. Being an Indian, she had got used to self-det ermination and independence. This is clearly shown when she finds it weird and difficult to cope up with the life at school. The fact that whistles and bells signaled every action that was to be done did not please her at all (Zitkala, pp.35). She was irritated with this kind of life and thus she calls it ‘iron routine’. According to her, all that was testing the chains which had bound her individuality tightly like mummies ready for burial. She had grown up in Dakota knowing that people did

Key Concepts in Health Promotion Essay Example | Topics and Well Written Essays - 1500 words

Key Concepts in Health Promotion - Essay Example It is thus imperative to promote health in the best way in order to treat and prevent majority of these diseases and thus increase the life expectancy. The assignment will cover the concept of health promotion and its challenges. It will also cover the present situation of coronary heart disease in the United Kingdom and what the government and other partner agencies are doing to promote health among the population in the United Kingdom. Health promotion can be defined as the process of allowing the individuals to have control over the health determinants and thus improving their health. It is a set of practical strategies and a concept and it remains to be an essential guide when addressing the main health challenges that are faced by both the developing and the developing countries. It also includes the non-communicable and communicable diseases, and other issues that are related to the health and human development (Health Promotion Agency 2009, p1). The main aim of health promotion is to strengthen the capabilities and skills of the people to take action and the capacity of the communities and groups to act in a collective manner to exert control over the health determinants and attain a positive change (Health Promotion Agency 2009, p1). There are certain prerequisites that are required in the promotion of health and they include; enough and well distributed economic resources, peace, clean water, shelter and food, sustainable resource use, access to the basic human rights, and clean water. The failure to meet all these challenges remains the main goal for all the activities that are directed towards social, health and economic development (Health Promotion Agency 2009, p1). Coronary heart disease (CHD) is the leading killer disease in the United Kingdom; it is estimated that around 1 in 5 men and 1 in 7 women die from CHD. The disease is estimated to cause approximately 94,000 deaths per annum in the United Kingdom (UK). In the UK, approximately 2.6

Three Step Matrix in Strategic Marketing Essay Example for Free

Three Step Matrix in Strategic Marketing Essay Strategic marketing comes into place to standardize the marketing practice, ultimately satisfying the customer needs through increasing companys competitive advantages. The base of any corporate to develop the winning strategically needs close monitoring in the internal and external environment. There are many instances where some company failure due to not been able to monitor the market situation adequately but in other instance we also can see the growth of company due to innovation, diversification and became the market leader. So for well understood of the marketing behaviour we have to see their strategy. So to be the market leader or winning in the market place needs right decision at right time using right technology, which ultimately creates the Sustainable Competitive Advantage (SCA). To be a sustainable winner the company have to invest in RD function, have to study market environment, have to study the competitors, have to study the changes in strategic move of the industry, have to study the customers behaviour etc. For well understood of the market situation to take strategic movement there are many models implemented by different company. The Boston Consulting Group’s (BCG) four cell matrix, GE/McKinsey’s multifactor matrix, Robinson’s directional policy matrix, Sheth and Frazier’s financial model, Capron and glazer’s technology portfolio model are some of the models which have implemented for the assessment of market situation. However, the use of single matrix is not sufficient to know the true picture of the market situation. Therefore, Yin-Ching Jan has proposes a three-step matrix method for strategic marketing management. Step 1: Industry Perspective Matrix The industrial perspective matrix is basically using to see the external market environment, through which a company can find the opportunity and  threats. From this matrix the company can assess the market and can classify as high opportunity high threats (HOT MARKET), high Opportunity-Low Threats (NICHE MARKET), LOW Opportunity- High Threats (MERCHANDISE MARKET) and Low Opportunity-Low Threats (DEGENERATE MARKET). HOT Market means where many company compete each other to get advantaged from the high level of market opportunity, Products such as tablet PCs have huge opportunities but with the ease of new entry, it challenges major threats too. Like as the NICHE market has a unique features that allow many competitors due to its high opportunity but less threats, many people come to market seeing the high level of opportunity, but after all when many people start coming it became a strong competition after all. In the degenerate there are low opportunities and threats but still have competition from the rivalry, real estate market these days’ falls into Degenerate market category as it has slumped hugely in the past few years. If company unable to invent new products, consumer will be lost. Noodles can fit into Merchandise market, where the opportunities are low and threats are high. Competitive Position Matrix The objectives of the competitive position matrix are to assess the strength and weakness of the company and find out the possible strategy. Basically ROA is the tool which gives the figures of the advantage which is used to set indicators. Also we also see the profit margin to see whether it is leading or not. So analysis of the ROA and profit margin gives insight for the competitive position matrix. There are four cell in the diagram which shows the status of the company based on CPM i.e. Leader, Nicher, Penetrator and follower. Higher the ROA and Profit margin is Market leader, Higher the ROA and lower the Profit is Penetrator, in this situation company basically low the price to expand the market share Low ROA and Low ROA is Follower and in this circumstances they are following the market leader and last but not least high Profit margin and Low ROA is stand for Nicher, where market opportunity is high and investment might be high so even though they have high rate of profit retur n but less as expected ROA. Market Situation Matrix Market situation matrix is a combination of industry matrix and competitive matrix. Analyzing it a manager can take a decision about the company. For  example when a company is in hot market it has to invest more to increase its share in the market because many competitors are preparing to enter in that market. Like as in Nicher, there is need to expand the market aggressively and innovation is crucial to maintain its leadership position. Three step matrix: Nepali Product: Every year Television channels are increasing in Nepal and most of their market is the same and their strategy are the same. Some of the televisions are still under process of establishment. So here opportunity seems high and the threats is seems high as well so the market of TV Channel is now at HOT stage. So as a growing market there are always uncertainties of the risk of failure. we can see some channel are out of the competition now, they are failure and some are still leading , but now no one can say that who is going to win the game. So this opportunity is leading many threats even though there is high opportunity, so in this regards one TV channel have to increase the investment to win the game. The leaders now is Kantipur TV , it has also get high returns , now NEWS 24, ATV , Mountain TV are following KTV, so it is the time to think innovatively to keep the high market share of KTV

Promotional Strategies in the Branded Denim Industry

Promotional Strategies in the Branded Denim Industry The global fashion apparel industry is one of the most important sectors of the economy in terms of investment, revenue, trade and employment generation all over the world. Apparel industry has short product life cycles, tremendous product variety, volatile and unpredictable demand, long and inflexible supply processes. The industry has been in a transition over the last 20 years. Some of the major contributors are: Significant consolidation in retail, Increasing use of electronic commerce in retail, and Wholesale trade Given below is a diagram of the types of markets for the fashion industry globally/ India as can be seen comes under Emerging Fashion market. viewer.png Figure: Global Fashion Market. The Indian Fashion Industry Fashion Industry growth in India is mainly driven by the growing exposure of domestic designers at international forums, but growth is also supported by other factors such as the launch of focused business education courses for emerging designers and the establishment of an industry association. The Indian fashion industry has gained international acclaim and recognition at several global forums. This has also helped attract a large number of international clients to the country Rising affluence has increased brand awareness among Indian consumers. According to theNielsen Global Luxury Brands Study, India is among the most brand conscious countries in the world, with 35% of Indian survey respondents reporting to buy designer brands India is considered an attractive market for luxury brands; about 50 premium and luxury brands, including Jimmy Choo, Gucci, Christian Dior, and Chanel, have opened stores in India in recent years. Consumer spending on fashion products has grown at 7.1% annually from 2002 through 2007 Denim Industry in India Denim Brands in India Jeans the working class garment has something about it which has fascinated the poor and the rich alike, and has survived fashion trends and technology changes for over a century. The jeanswear market in India is currently pegged at approximately Rs 6,000 crore the bulk of it in the unbranded market according to recent reports. However, the branded segment is believed to be growing at a faster pace, with brands giving tough competition to one another. According to industry sources, the total size of the jeans market in India is about 40-45 million pairs of denims out of which 44 million pairs are in the value segment(less than Rs 1,000). The Indian retail market size of jeans (men`s and women`s) in 2007 was Rs 3,080 crore with a healthy growth of 18 per cent over last year as per research conducted by Technopak. According to an Indian expert, denim production in India in 2006 was estimated to be at 400 million metres, of which 250 million metres was for domestic consumption and the rest for exports. The Indian denim market is still in the nascent stages but it`s definitely a growing market which is growing in the right direction. Brand-conscious market With changing lifestyles, the organised players are coming up with contemporary designs to target the youthful, stylish, trendy and fashionable consumers. Today`s consumer is educated and very well informed about different brands and knows what to buy and what not to buy. Indian consumers are no longer price conscious rather they are willing to spend money on high-end denim brands. Denims are not only restricted to jeans, shirts, jackets and skirts, but are also a popular choice for accessories like bags, belts and caps. In denims, low rise, slim fit and twisted fit are in vogue. Ripped, brushed, torn, bleached, laser finishes acid and ice-washed are enough to tempt the brand conscious customers. The organised denim players are not only catering to the premium class, but are also catering to the upper-middle and mid-segments as well. Today`s customer is definitely brand conscious and asking for brands. Consumers are looking at innovations rather than just a pair of jeans and T-shirt. The key to catching up with these changes is to innovate, as the Indian denim customer is more variety driven, says Shah. The brand has been quick to gauge that the young Indian consumers were getting bored with just a five pocket pair of jeans and hence Pepe Jeans today is a one-stop destination for the young premium segment customer with its exhaustive range of fashion wear, club wear, and evening wear along with the core jeans. India is an emerging nation and has a huge potential to harness the untapped market. The denim industry has registered impressive growth in the last five years. This growth has also changed the consumer preferences- he has become more discerning and fashion conscious. Major players in the denim market A number of players, both Indian and international, have entered the Indian market. The brands of both categories that were studied are listed below: Indian Players The Indian players include the following: Spykar has established itself as the Indian youth icon and the brand of the Generation Next in the Indian apparel industry, with a vast and staggering array of designer wear- from the first manufactures of Cargo in India unto the authentic five pocket Jeans to fashionable denims, fatigues, jackets, tees, shirts, etc. to trendy bags, belts, caps, wallets, socks and other accessories like shoes, deodorants, junk jewellery, eyewear. Having provided clothing for the last 15 years to the brand conscious youth, Spykar Lifestyle intends to now offer complete styling solutions to patrons through the Spykar Style Lab, with a reach to 3 million customers, influencing the youth culture across India. The brand Deal: was born in the year 2000 and is today an innovative international design company, manufacturing jeans and casual clothing as well as accessories. It is present in over 22 states with 400 points of sale. From the beginning, Deal jeans team turn their back on the style-dictator and consumer fore-casters of the fashion establishment and lead their own tastes lead them. It is for this reason that Deal became the leader in developing the styles, manufacturing methods, fabric and quality control and guaranteeing an outstanding quality product Levi Strauss (India) Pvt. Ltd (LSIL) is a Bengaluru based, wholly owned subsidiary of Levi Strauss Co. (LSCO.). The company markets the Levi`s ®, Dockers ® San Francisco Levi Strauss Signature ® brands in India. The company was established in 1994 and brought authentic American jeanswear to India by launching the iconic Levi`s ® brand. It has since built a strong retail and distribution network spanning more than 250 cities and 750 outlets backed by an equally strong sourcing base. The company, with strength of about 200, is headquartered in Bengaluru. International players The International players studied are the following: Pepe Jeans London: Pepe Jeans London originated from the fashionable Portobello area of London in 1973 as a result of the efforts of three NRI brothers. In a very short span, the brand became the best selling denim brand in England. The company entered the Indian market in 1989 and today is amongst the premium brands in India in this segment. Pepe Jeans is an absolute casual wear brand and sells everything one would associate with such as casual cotton shirts, denim shirts, lightweight jeans, T-shirts, shirts, jackets, cotton casual pants and accessories such as bags, caps, belts, wallets, wrist bands, etc. Lee Cooper: Founded in London in 1908, Lee Cooper offers a wide range of lifestyle jeans and products to men and women of all ages. In 2006, Lee Cooper International entered into an equal joint venture with India`s largest retailer, now known as Lee Cooper India Pvt. Ltd, under which the first franchisee store was opened. At present, the company has 31 exclusive brand outlets, 50 shop-in-shops and 250 selling points in India. By the end of this fiscal, it will double the selling points and add 24 new stores to its kitty. The company aims to grow to 100 stores within the next two years. An investment of about Rs 35-40 crore has been earmarked for retail expansion this year. The competitors at each segment are given below: Super Premium Segment (Rs. 2000+)- brands like Tommy Hilfiger, Hugo Boss, AN Jeans, Rocky S Jeans Premium Segment (Rs. 1000-2000)- Pepe, Levis, Lee, Wrangler Middle Segment (Rs. 500-1000)-Most Indian brands cover both Middle and Premium categories Economy Segment (Rs. 300-500)-Ruf n Tuf, Newport, Impact, Thunder as well as in store labels like Westsides SRC and 2Fast4U that are priced between Rs. 375 to Rs. 600 Benefits of this study to the organizations: As compared to the booming international denim market, India is still emerging. Indian brands haven`t enjoyed much success. International brands, which are present in India, are doing extremely well. Competition is increasing with the presence of a number of denim brands in India. To stay ahead of competition, the players will have to raise their standards to international levels; only then will they be able to make a strong foothold in the country. Every company is coming up with aggressive marketing, promotional campaigns and constant publicity to make their brand popular. Various companies have been successful in the Indian market using different approaches and different strategies. For example Pepe Jeans London works on a 360 degrees approach on the marketing communications strategy, involving both above the line and below the line activities. Billboards print advertising in both national and regional newspapers and all lifestyle magazines constitute Pepe`s above the line strategy. The companies in the denim market have to ensure that they have strategies that are successful and make a positive impact on the target segment due to all the competition and the challenges that they face in this environment. With the Indian youth becoming increasingly fashion conscious and with spending power being consistently on the rise, making life easier for the fast-growing premium category of jeanswear brands. On the other hand, it has been tough times for other segments of the business one of the underperformers being a mass-market jeanswear brand. This study helps analyze the promotional strategies of five different popular denim brands in India. This study helps to recognize the success or failure of the brands through the perception that consumers have towards the brand. The study helps recognize the weak points in the strategies. Chapter 2 Research Design This chapter details the procedures that were used for obtaining the information needed to structure the marketing research. It provides details such as the Purpose, Aim of the study, and Scope of the study, Objective of the study, Research methodology and Data collection. Aim of the study: The aim of this study is to observe and evaluate the promotional strategies that are used by Levi Straus, lee and Pepe jeans, Spykar and Deal . Scope of the study: The study was aimed at understanding and analyzing the promotional strategies implemented by Levi Strauss, Lee, spykar, Deal, Pepe Jeans The research was conducted in the geographical area of 1 city- Bangalore North (Karnataka). Objectives: It will present the promotional activities used by the major players in Branded Denim industry. It will present the awareness of the promotional strategies that the consumers have. Further the study will generate some suggestions that could be implemented by the companies. Research methodology: An analytical study, descriptive and quantitative in nature was undertaken to study the promotional activities used in the Branded Denim industry. Based on the data and knowledge gathered thus, a tool in the form of a questionnaire was prepared to elicit primary data for the study. The customers of the company have been used as the respondents for the study. Questionnaire method was adopted to gather necessary primary data. Secondary data was gathered from previous other records, journals, papers and books. The data collected by the study is compiled, classified and tabulated for the purpose of analysis. Analysis was done using averages for data consolidation and interpretation. Methods of data collection: Survey- Through a closed and structured questionnaire administered to 50 respondents of Bangalore City in the area of New BEL Road (Bangalore North). Sources of Data collection: The study required data to be collected from both primary sources and secondary sources. * Primary research -also known as field research, which involves the conduction and compilation of research for the purpose it, was intended. Questionnaires were used to collect the primary data. * Secondary research -also referred to as desk research, is initially conducted for one purpose, but often used to support another purpose or end goal. Secondary research was collected from Internet sites, books, journals, magazines and research materials provided by other research. Sample design: This refers to a set of rules or procedures that specify how a sample is to be selected.   We have used simple random sample  which is a subset of  individuals  (a  sample) chosen from a larger set (a  population). Each individual is chosen  randomly  and entirely by chance, such that each individual has the same  probability  of being chosen at any stage during the sampling process Sample size: The number of elements in the obtained sample. The sample size for this study is 50 respondents. Sampling bias: This refers to the notion that those selected are not typical or representative of the larger populations that have been chosen from. Here we were limited to north Bangalore so it does not reflect the bigger side of the actual population. Limitations: The limitations of the study are as follows: Questionnaires are impersonal, so it is difficult to understand the answers given by the customers also there is a chance that the questions may be misinterpreted, rendering the answer useless to the study. Questionnaires also invite people to lie and answer the questions very vaguely which they would not do in an interview. Though a lot of effort was put in at designing the questionnaires, some peoples preferred answers may not have been included, and this also does not allow for much detail. The research was limited to the city of Bangalore (north Bangalore) The research did not include the infrequent customers of the company, so a lot of valuable input could have been lost Chapter 3 Analysis and Interpretation Q. No. of Male and Female Respondents. Gender No of Respondents Male 26 Female 24 Total 50 Interpretation: From the above chart it is quite evident the numbers of male respondents exceed female respondents. Q. Average age of Respondents. age No of Respondents Less than 20 1 20-30 42 30-40 6 40-50 0 Above50 1 total 50 Interpretation: From the above chat it can be interpreted that the highest range of respondents belongs to the age group of 20-30. Q. what are the different occupation of the respondents. occupation No of Respondents students 31 professional 17 businessman 2 unemployed 0 total 50 Interpretation: From the above chat it is clearly visible that the maximum numbers of respondents are students, followed by professionals. Q Salary of the respondents. salary No of Respondents Less than 2lakh 28 2-4 lakh 15 4-6 lakh 6 Above 6 1 total 50 Interpretation: Since the most respondents are students and are just employed the salary range is below 2 lakh and for professionals it is 2-4 lakhs. Q Do you buy anything of these brands (Levis, Lee, Spykar, Pepe jeans, Deal). Response No of Respondents yes 43 no 07 Total 50 Interpretation: It can be clearly interpreted that 43 out of 50 Respondents have tried one of the brand and rest have not. Break-up of the different brands bought by the sample group: Brand name No. of respondents Levi Lee Spykar Pepe Deal 16 15 6 12 1 Total 50 Q Other than the brand you purchase from, Are you aware of the promotional activities followed by other brands. Responses No of respondents Yes 40 No 10 total 50 Interpretation: From the above chart it can be understood that the people are aware about the promotional scheme of the other brands even if they do not purchase products from the other brand. Levi Q. Why did you buy this brand? Characteristics Number of Respondents Good Service Good Quality Price Design Brand Name Discount Schemes 1 3 10 2 Total 50 Interpretation: it is clearly visible from this chart that most of the people are going for Levis because of the brand name. Q. Would you like to purchase this brand again? Willingness to purchase Number of respondents Yes No 15 1 Total 16 Interpretation: It is clearly visible that all those who have purchased this brand want to go again for this brand. Q. Are you aware of the various promotional schemes available in this brand? Awareness Number of respondents Yes 16 No 0 Total 16 Interpretation: all the respondents are aware of the promotional schemes of Levis. Q. As per your knowledge what type of promotion activity is undertaken by the organisation characteristics responses Advertisement 3 Publicity 0 Personal selling 0 Social media networking 3 Sales promotion(discount offers, seasonal sales, loyalty programs) 10 Total 16 Interpretation: It is found that most consumers are aware of the promotional schemes that Levis has in the form of sales promotions. They also seem to be aware of promotions through advertising and social media networks. Q. If yes how were you made aware? Mode of Awareness No. of respondents Newspapers O Magazine Ads 6 Television Ads 0 E-Mailer from store 2 Word of mouth 9 Others 1 Total 16 Interpretation: it can be interpreted that people are aware of Levis promotional skills because of tools like newspapers and various emails that are being send from the store. 12. What according to you makes the brand more attractive than others? Characteristics Number of Respondents Quality 1 Price 0 More sizes 4 Better customer services 2 More designs 4 Brand Name 5 Brand Ambassador 0 Total 16 Interpretation: From this table we can see that consumers are attracted to the brand due to its brand name- the perception towards the brand is positive and also they feel that more designs are available in this brand Lee Q. Why did you buy this brand? Characteristics Number of Respondents Good Service Good Quality Price Design Brand Name Discount Schemes 1 2 1 3 8 0 Total 15 Interpretation: The graph shows that maximum people bought the jeans from this brand due to the brand name. Followed by the designs available, and no one bought the jeans due to the discount schemes available Q. Would you like to purchase this brand again? Willingness to purchase Number of respondents Yes No 13 2 Total 15 Interpretation: From the table it is obvious that a large number of the respondents would buy jeans from this brand maybe because they have a positive perception towards the brand Q. Are you aware of the various promotional schemes available in this brand? Awareness Number of respondents Yes 12 No 3 Total 15 Interpretation: From the table it can be seen that most consumers are aware of the promotional schemes available in this brand Q.As per your knowledge what type of promotion activity is undertaken by the organisation characteristics responses Advertisement 5 Publicity 0 Personal selling 0 Social media networking 4 Sales promotion(discount offers, seasonal sales, loyalty programs) 6 Total 15 Interpretation: Most of the consumers are aware of the sales promotion schemes like discount offers, seasonal sales, followed by advertising and social media networking. Q.. If yes how were you made aware? Mode of Awareness No. of respondents Newspapers O Magazine Ads 2 Television Ads 0 E-Mailer from store 2 Word of mouth 7 Others 1 Total 12 Interpretation: In this we can see that most consumers were made aware of the available promotional schemes through word of mouth followed by e-mailer from store as well as magazine ads. None were aware of the television ads of the brand. Q. What according to you makes the brand more attractive than others? Characteristics Number of Respondents Quality 1 Price 1 More sizes 2 Better customer services 2 More designs 4 Brand Name 5 Brand Ambassador 0 Total 15 Interpretation: As can be see, the brand is found to be attractive due to the brand name and the positioning of the brand, followed by the fact that consumers perceive that plenty of designs are available in this brand. Better customer service also seems to have made an impact on the consumer. Spykar Q. Why did you buy this brand? Characteristics Number of Respondents Good Service Good Quality Price Design Brand Name Discount Schemes 0 2 4 0 0 0 Total 6 Interpretation: The primary reason that the respondents seem to have bought the jeans was since they perceived the jeans to be cheaper than the other branded jeans. The next reason was since the jeans were perceived as good quality. Hence Spykar can be said to be a value for money brand. Q. Would you like to purchase this brand again? Willingness to purchase Number of respondents Yes No 3 3 Total 6 Interpretation: Only have the consumers who bought the product have the willingness to repurchase the product. The reasons could be that they were dissatisfied with the design, or with the service. Q. Are you aware of the various promotional schemes available in this brand? Awareness Number of respondents Yes 0 No 6 Total 6 Interpretation: Out of the six respondents who had purchased the jeans from this brand, none were aware of any promotional schemes that were conducted by the company. Q. As per your knowledge what type of promotion activity is undertaken by the organisation Since no one was aware of the promotional schemes, this table was Not Applicable Q. If yes how were you made aware? Since no one was aware of the promotional schemes, this table was Not Applicable Q. What according to you makes the brand more attractive than others? Characteristics Number of Respondents Quality 1 Price 3 More sizes 0 Better customer services 0 More designs 2 Brand Name 0 Brand Ambassador 0 Total 6 Interpretation: The main reason that people seem to go for this brand is the price since the jeans are more pocket friendly as compared to the other branded jeans. Pepe jeans Q. Why did you buy Pepe jeans? Characteristics No of respondents Good service 0 Good quality 2 Price 1 Design 8 Brand name 1 Discount Scheme 0 total 12 Interpretation: From the above graph it can be easily interpreted that more people are going for the design in pepe jeans than the other factors. Q Would you like to purchase goods and services from this store again? Responses No of respondents Yes 10 No 2 Total 12 Interpretation: From the above chart it is clearly seen that people are willing to purchase the goods and services as they are happy with their experience. Q. Are you aware of the various promotional schemes and offers available in the store? Responses No of respondents Yes 5 No 7 Total 12 Interpretation: From the above chart we can easily understand that people are not much aware of the promotional schemes carried out by Pepe jeans. Q. As per your knowledge what type of promotion activity is undertaken by the organisation characteristics Responses Advertisement 4 Publicity 0 Personal selling 0 Social media networking 3 Sales promotion(discount offers, seasonal sales, loyalty programs) 5 Total 12 Interpretation: Most of the consumers were aware of the sales promotion strategy followed by Pepe Jeans followed by Advertising. Q .If yes, how you were made aware? Characteristics No of respondents News paper 2 Magazine 1 Television advertisement 5 E-mail 0 Word of mouth 4 total 12 Interpretation: From the above chart its clear that tools like television ads and words of mouth plays a very important role in creating awareness for Pepe Jeans. Q. what according to you made the brand more attractive from the other leading brands of jeans? Characteristics No of respondents Quality 2 Price 1 More fashionable 1 Better customer services 0 More diverse design to choose from 2 More customized product 2 Brand name 4 Brand ambassador 0 total 12 Interpretation: From the above pie chart it can be concluded that the quality, more customized products and more diverse design to choose from are some of the features that makes this brand attractive as compared to others. Deal jeans Q. Why did you buy Deal jeans? Characteristics No of respondents Good service 0 Good quality 0 Price 1 Design 0 Brand name 0 Discount Scheme 0 total 1 Interpretation: Price is the only characteristics that pull the customers to stores. Q. Would you like to purchase goods and services from this store again? Responses No of respondents Yes 1 No 0 Total 1 Interpretation: The person who has bought the product is satisfied and is ready to try the product again. Q. Are you aware of the various promotional schemes and offers available in the store? Responses No of respondents Yes 1 No 0 Total 1 Interpretation: The person seems to know about the promotional schemes that are carried out by Deal jeans. QAs per your knowledge what type of promotion activity is undertaken by the organisation characteristics Responses Advertisement 1 Publicity 0 Personal selling 0 Social media networking 0 Sales promotion(discount offers, seasonal sales, loyalty programs) 0 Total 1 Q. If yes, how were u made aware? Characteristics No of respondents News paper 0 Magazine 0 Television advertisement 1 E-mail 0 Word of mouth 0 total 1 Interpretation: The person is aware of the product through the television ads. Q what according to you made the brand more attractive from the other leading brands of jeans? Characteristics No of respondents Quality 0 Price 1 More fashionable 0 Better customer services 0 More deserve design to choose from 0 More customized product 0 Brand name <

Fake News: A Global Problem

Fake News: A Global Problem Mathangii Balasubramanian Carla Nyssen Do you remember the dress worn by American First lady for the presidential inauguration back in January of 2012? Several thousands of people looked at the photo posted online of her striped dress and had overwhelmingly different opinions about what color it was. Many thought it was navy blue and white, some said it was black and white, and few others even thought it was green 4xand yellow. So what was the actual color of that dress and what was the truth? What was the reasoning behind such contrasting opinions and what does this lead to? Dress worn by The First Lady is an example how the same information was interpreted in several different ways. This comes to mind amid discussions about how fake news and outright lies has taken precedence and its serious impact.mk In this so-called world of fake news where there is unlimited freedom of information sharing, anyone can spread anything they wish on the internet around the globe and anyone can find the information and rely on the fake news which confirms their beliefs. This clearly shows the lack of publics critical thinking and fall prey to fake news. This representation of the lack of critical thinking skills is quite worrying and in order to prevent the spread of fake news and control this serious problem, root cause concerning human mind has to be understood. The unprecedented rapid growth in technology leading to a widespread increase in fake news, understanding the inherent nature of human cognition, loopholes in the media and ways to control the spread of fake news has to be understood. In order to be a discerning news consumer, it is important for oneself to be a critical thinker with the ability to differentiate fake news from real news. There were various forms of media such as television, newspapers, magazines, and radio to spread and disseminate information before internet came into existence. Ancient media methods allowed advertisements and supplements which paved way to mask the real news. Television was a phenomena in the 1960s which glued people to sit in front of their media box. Advertisements, seen as ways to mask real news was telecasted during prime time with an opportunity to reach millions of homes every day. Later, fantasy based reality shows closed the gap between real and staged events. In todays world, professional looking websites can be published and search engines and social media platforms can be programmed to create influential news. Even a technological savvy computer science or information technology graduate student can create such websites. The news media doesnt tailor its content to specific individuals, hence its varied content and far reaching impact. Information shared with the media will spread at a faster pace and to a greater extent compared to the one without media coverage. Media targets a set of people whom the message needs to be communicate. Online media provides unlimited free access to information through websites, blogs, and various applications. Internet coverage and smart devices allow easy access to news media with a finger touch. Due to the volatile nature of politics, economy, and safety environment in the world, news media plays an important role. The news media do play a significant role on the negative side as well spreading fake news through various tabloids. There were lots of fake news involving gossips, scandals and manipulated information. The news media is a profit making organization with an ulterior goal of multiplying profits. Hence advertisements and sponsored content may contain unappro ved content causing huge impact to the society. Fake news doesnt mean its outright lie, rather news that are more likely to be biased or misleading in a gentle way. It is the information that is clearly fabricated and that has been customized to look like genuine news. Its content is specifically created to appeal to an audiences pre-existing preferences. The spread of fake news with the evolution of technology has been widespread causing a huge impact. According to a historian, dating back to 18th and 19th centuries, fake news was a commonly accepted practice and newspapers were more opinionated and agenda driven. Later with the introduction of penny press in 1830s, sensational news and gossip started proliferating. Though readers didnt believe everything they read is true as many newspapers published short stories and poetry and satire was mainly used by entertainers and not journalists. Most of the fake news thats viral online consists of written pieces and recorded segments that promotes false information through means of factual reporting. For example, several reports were published by news organizations highlighting examples of hoaxes, fake news and misinformation on Election Day 2016. Fake news is created intentionally by entrepreneurs who seek to make money from advertising, and false information can also arise from misinformed social media posts by normal people who posts regularly, which spreads through a biased blogosphere. One such example was the recent post on social media by a businessman regarding protests where he connected seeing several buses lined up in downtown and the protests reports which he heard in the news media. He assumed the two were connected and posted his thoughts on social media which were soon followed by many of his followers, then taken to reddit community, blogs and were shared among the internet world causing a huge stir and confusion. Initial content of the message got manipulated in several ways leading to incorrect information sharing driven by incorrect assumptions. This is one typical example how fake news originates and propagates with the help of social media and blogs in the internet world. Incidents affecting humanity and human values signify the dark real world consequences caused by fake news. Just for political propaganda, there were lot of websites that publish completely fake and fabricated news. Fake news grew into fame taking advantage of peoples attention seeking skills, meaning if human mind pays attention to a particular topic, more articles pertaining to that topic will be produced. More than the real news, its about page views that matters as in more sensational the headline is, the more views you get and the more money that could be made from manipulating eyeballs. It is tough to ignore the historical facts about how newspapers were agenda driven in the past and how it has changed now with a focus towards free speech and unbiased content. In the recent past, some of the headlines in the newspapers and social media have left people thinking in the wrong direction before they figure out that its fake news after reading the entire article. There were several instances where one reads various fake news pages and comes up with one on his own based purely on his exaggeration with a fancy and a sensational headline, making it go viral. It is imperative for people to differentiate fake news from real ones and prevent proliferation of such fake news even for the fun aspect of it. Because of the nature of social media, most of what is published goes unmediated. While traditional journalism subscribes to strong rigor, righteous editors and a history of fact-checking, these disciplines dont exist on social media, where fake news thrives. Given the veneer of respectability of a legitimate-looking site, its easy to see how the outrage can kick off a chain reaction of commentary and public finger pointing. Any lie can gain general acceptance if it gets repeated frequently and this is one sole reason for the alarming increase of fake news. Achieving repetition is easy in this so called era of social media with a few button clicks. Social media and online search giants should take efforts to prevent fake news sites, applications and advertisements from appearing. When there is an iota of doubt concerning a website or news content, it is better to search google for confirmation reports from reputable news sites to check whether they have picked up the same news. There are many reputable online websites such as Snopes, Factcheck, etc., to name a few, to verify the authenticity of the news content. Social media users have the opportunity now to flag articles they think are intentionally false, and these articles will be screened using third-party fact checkers. Warning signs on articles such as disputed and fake tags would negatively impact its rating score on social media making it visible to fewer people in their news feeds. Technology savvy scholars have created several applications detecting fake news sites. Such applications could be installed on web browsers as extensions and warnings provided by those applications could prevent the spread of fake news and help human beings detect and recognize fake sites. Fake news could be controlled by installing fake detector applications on gadgets which analyzes its authenticity and flags fake pages. First and foremost place to look for ways to control fake news is within oneself. Rather than checking the veracity of the news content using different verification websites and fancy tools, one should check their own self to believe or not. If the story is so outrageous, it is too true to believe. Individuals should make sure that they are not being told what they want to hear. In order to become a more insightful, discerning news consumer, it is important to differentiate real and fake news and become more of a critical thinker. Part of being a critical thinker is to always question whether they are only getting part of a story or the complete one. Developing oneself as a media literate person would help overcome this situation. The government must focus on education policy in order to develop a literate society which will help people decipher between real and fake news. Government can also introduce stricter regulations on media and individuals sourcing fake news articles. Though it may cross toes with freedom of speech, it is imperative to have government backing for individuals to fight against defamation and control the spread of fake news. Government can impose fines on social media companies and websites those spread fake news, as this will force sourcing websites to impose verification checks and control the spread of fake news. Fake news is a phenomena whose spread could be controlled through collective responsible actions by the means of governmental regulations, education policy, literate society, technology and applications. At this stage, determining the legitimacy and utility of information is ultimately the responsibility of the people. Work Cited: Agrawal, Nina. Where Fake News Came in and Why Some People Believe It. The Los Angeles Times, 20 Dec. 2016, www.latimes.com/nation/la-na-fake-news-guide-2016-story.html , Accessed 08 Feb, 2017. Anand, Bharat. The U.S. Medias Problems Are Much Bigger than Fake News and Filter Bubbles. Harvard Business Review, 05 Jan, 2017 www.hbr.org/2017/01/the-u-s-medias-problems-are-much-bigger-than-fake-news-and-filter-bubbles, Accessed 16 Feb, 2017. Akpan, Nsikan. The very real consequences of fake news stories and why your brain cant ignore them. PBS NEWSHOUR, 05 Dec, 2016, www.pbs.org/newshour/updates/real-consequences-fake-news-stories-brain-cant-ignore/, Accessed 18 Feb, 2017. Yeats Poem | Second Coming | Yeats Poem | Second Coming | As the title of the poem suggests, Yeats poem is a prophetic poem that clearly shows Christs second return to the earth after the world has been engulfed in sin and sorrow. The poem was written after the first world war to depict hope for earthly occupants who have experienced torture, suffering, death ,hunger and disillusionment .The writer uses imagery to create a sense of waiting and arouse the readers interest in what is the second coming. Gyre is a word used to mean how things were moving in a spiral movement after the Second World War to bring to the readers mind the theme of confusion. Turning and turning is used to create repetition of the worlds cruel events which could present Christs Second Advent as revealed in the book of revelation. All Christians who read the bible and especially the events presenting the second coming were ready for the world to end after world war 1 because the bible warns of the war which will come before Christ returns to the earth to take his people to joyous life in heaven. The falcon cannot hear the falconer is used symbolically. In studies of wild birds, falcon is a bird of prey which kills and eats animals like hedgehogs and its flying speed when targeting its prey is more than that of cheetah. The Sentence means that the attacker or the worlds trouble maker cannot hear the creator. Falconer is the instructor of peace who can be God. Here it means the world has reached a point of no return where evil and the father of evil (the devil) is instructing the leaders of the world to seek war among nations. Suffering is the centre stage where people go hungry, and prostitution and crime are the order of the day, religious fanatics and false prophets are in the world. Concept of brotherhood has seized and the only theme in the world is every man for himself. Then things fall apart. The devil has taken much control of the world. The word mere anarchy is used to mean only and very pure. Writer uses these words in order to show the unleashing of wrath by the serpent who is the prince of darkness and together with his evil angels can cause great trouble in the world if it were not for divine power of God. During the First World War, bombs were dropped to the earths surface and people thought the end had come. These fires can be compared to the lake of fire in revelation which is portrayed as burning with brimstone where the beast, the false prophet and the dragon (that serpent of old) are tormented daily. Anarchy means lawlessness and shows how the worlds justice has been buried in an abyss. Fires of wrath dominate the whole world; diseases with no cure and immortal human suffering are used symbolically to mean the tension in the world. The words ceremony of innocence is drowned are an imagery used by the writer to show how the world is not free again and the innocent must suffer for sins which they did not com mit. Whoever commits the sins who is the anarchist, enjoys life and is unquestionable at any court jurisdiction. William butler uses this word to show how the world likes was in the days of civilization is not a place to admire. Like nowadays, the poem is very much applicable where international criminal courts have been established to prosecute evil doers who can escape punishment in their own countries because they are power barons and corrupt leaders like those of the medieval ages. The words best lack conviction and bad are always full of passion is a paraphrase. Here it can also mean that the good people need power to govern others very well in the society and that has been foiled by corruption and injustice. Powerful people on the contrary dont deliver accordingly when given the power but the wise governors say they want to be loved and those people who love believe in wisdom and how they can use it for the benefit of others and themselves. This leads to a vicious circle and c onfusion during the last days here on earth as William butler puts it. Words like revelation is coming are used in order to further develop the title of the poem and always to keep in the mind of the reader just as the title suggests, Christ must return to the world. The concept of time span is revealed by those words. Just as Christ came to the world, then in the same way will return to save mankind from destruction by the sinister person. The poet uses words like spirits mundu to bring the theme of religion in the poem and develop the poems title. Words mean that in the world, there is a pure spirit which rests in the minds of every human being and informs him about Godly issues. People then wait joyously and obey Christs commandments so as to escape eternal torment. The poet uses words like a lion like body with mans head to create fear among the readers and depict dangers associated with the weird creature. Simile is used to show how unforgiving and cruel the beast is. The beast is portrayed as passing through the desert just like the falcon of the second line to scare desert birds. Like the falcon, the beast is a symbol of evil and danger for the occupants of the earth. Desert birds are personified to human beings and again tormentation is a must. The beast represents the anti -Christ who comes before Christ return to cause a religious sway in the world. Beasts power was granted to him by the dragon (serpent) in or der to destroy loot and kill Christs followers. Rough beasts arrival brings the idea of suffering. Centuries of stony sleep is used symbolically to represent the suffering in Ireland during Williamss butlers time where he suffered to a point, and through religious meditations, thought the First World War can lead to the end of the world and Christ can come for rescue. In reality, the world was not ending but it was just beginning because the Second World War was fought but the world can end anytime .The poet uses imagery, symbolism, personification and simile to develop the theme of religion, fear, suffering, and history in his poem. In conclusion, the words used in the poem clearly fit to the message being communicated and they contribute to the development of the title second coming no other words could have been used to achieve the writers objectives.

The Impact of Eleanor Roosevelt as First Lady Essay -- biographies bio

The Impact of Eleanor Roosevelt as a First Lady   Ã‚  Ã‚  Ã‚  Ã‚  Before Eleanor Roosevelt, the role of the first lady was not a political role; it was merely just a formal title of the president’s wife. Eleanor Roosevelt paved the way for all presidents’ wives to come by being active in politics during and after her husband’s presidency. Of course, she did not have instant success; she had many trials which helped her become an important and influential role model. Eleanor Roosevelt’s dedication to her husband, her activeness in politics, and her volunteer work enabled her to change the role of the First Lady.   Ã‚  Ã‚  Ã‚  Ã‚  Eleanor Roosevelt was born on October 11, 1884 to Elliot and Anna Hall Roosevelt. Her mother was very beautiful and thought of Eleanor as a disappointment and would even make fun of her and call her mean nicknames like â€Å"Granny† (Cook, 21, vol. 1). Her father adored her and she adored him but he was never around due to the fact that he was an alcoholic and a drug addict (Morey, 14). When Eleanor was seven years old, her parents got a divorce; which left her mother, Anna, to raise the children alone (Spangenburg, 4). Eleanor’s parents both died shortly after, her mother when she was eight, and when she was ten she learned that her father had died as well. Eleanor and her two younger brothers were sent to live with their Grandmother Hall (Morey, 16-17).   Ã‚  Ã‚  Ã‚  Ã‚  Although Eleanor did not have a pleasant childhood, things started to look up when she started dating her fifth cousin, Franklin Delano Roosevelt. They were married on March 17, 1905 (Cook, 162, vol. 1). Eleanor’s Godfather, Theodore Roosevelt, the current president, agreed to walk her down the aisle at her wedding (Morey, 25-27). After their wedding, Franklin and Eleanor’s house was still not ready, so they lived with Franklin’s mother, Sara, who was not very fond of Eleanor. Once Eleanor started having children Sara even insisted on helping raise them because she considered herself to be a better mother than Eleanor (Morey, 28). Eleanor gave birth to 6 children, but lost one and from this became depressed. This was a hard time for her especially living with Sara. Finally, in 1910 they moved away from Sara to Albany, New York so Franklin could run for Senator (Cook, 184-186, vol. 1).   Ã‚  Ã‚  Ã‚  Ã‚  Eleanor Roosevelt was dedicated to Franklin and was always helping him out behind the scenes. When Franklin became... ...er own experiences and observations. Eleanor also said, â€Å"I had really only three assets: I was keenly interested, I accepted every challenge and every opportunity to learn more, and I had great energy and self-discipline.† (Spangenburg, 99) Eleanor Roosevelt changed the role of the first lady by her dedication to her husband through everything, her involvement in politics, and her willingness to help others through her volunteer work. Works Cited Black, Allida M. Courage in a Dangerous World. The Political Writings of Eleanor Roosevelt. New York: Coumbia University Press, 1999. Cook, Blanche Wiesen. Eleanor Roosevelt 1884 1993. Vol. 1. New York: Penguin Books Ltd, 1992. Eleanor Roosevelt 1933 1938. Vol. 2. New York: Penguin Books Ltd, 1999. Lash, Joseph P. â€Å"Eleanor Roosevelt.† Encylopedia Americana. 1997 ed. Levy, William Turner, and Cynthia Eagle Russett. The Extraordinary Mrs. R. A Friend Remembers Eleanor Roosevelt. New York: John Wiley and Sons, Inc., 1999. Morey, Eileen. The Importance of Eleanor Roosevelt. San Diego: Lucent Books, Inc., 1998. Spangenburg, Ray, and Diane K. Moser. Eleanor Roosevelt A Passion to Improve. New York: Facts on File, 1997.