The Problem Of Attending College - 1330 Words

In the current state of our society, the most financially satisfying jobs typically require a college degree. This becomes a problem to an individual if they choose not to attend college and try to enter the workforce right out of high school, or attend college only to later decide it is not working for them and, consequently, end up dropping out of college, possibly accumulating thousands of dollars in student loan debts but no degree. Rewind back one generation, to the parents faced with the choice of whether or not to attend college, and it is very unlikely that they are planning their future family at this point, let alone how their level of education will affect their children – the children of this generation who are now being†¦show more content†¦They know that satisfactory grades in college are the result of long hours of hard work and studying as well as how burdensome it can be to work a part-time job while being a full-time student. Their advice can lighten the load of their child and give them at least an idea of how to merge into college life successfully. (Medley-Rath) Even though they do recognize how grueling college can be, they still hold high expectations. Aside from knowing the â€Å"rules of the road† in college, having a college degree also gives parents an ascendency in parenting techniques when raising children and a greater availability of unique privileges for them, like extracurricular activities, just by having a professional career. Young children that come from a household with a professional career were found to be exposed to fifteen hundred more words in just one hour compared to children of the same age from welfare or working class homes, and also over five hundred thousand more instances of encouraging feedback, giving their kids an abundant immersion into literacy and vocabulary at a young age. Being spoke to in a proficient demeanor boosted achievements and academic triumph for these young children. (S henk) Belonging to an intrinsic social class also shapes how involved the parents are in their child’s life and how the child fosters. Parents of a more exclusive social circle are more likely to â€Å"helicopter

The Expectations On Personality Types - 1319 Words

Introduction Expectations on Personality types – a strategic view of relationships at work 1 List your gap and why it is important to theory and practice, unaddressed, and advancing (see Grant Pollock, 2011) o GAP †¢ Previous research has not yet investigated how different personality types may have different expectations towards leaders within the workplace. Neither Expectancy theory, Leader-Member Exchange Theory or Metaperceptions have addressed which expectations followers might have towards leader’s personality types. Thus, how differences between followers’ expectations and leaders’ actual personality traits affect job performance is the gap considered by the present work. A better understanding of these interactions o IMPORTANT TO THEORY AND PRACTICE †¢ Matta, Scott, Koopman, and Conlon (2015), argue that employee work engagement was higher when leaders and subordinates agree about the quality of their relationship. Leaders who acknowledge what are expected from them regarding their way of leading may help them to tailor a more efficient leadership model and consequently improve performance. Also, Lopez (2013a), suggests that there is a significant relationship between personality features and leadership style. Moreover, academic work has highlighted the positive impact of Transformational leadership on organizational performance. (Garcà ­a-Morales, Jimà ©nez-Barrionuevo, Gutià ©rrez-Gutià ©rrez, 2012) o UNADDRESSED AND ADVANCING †¢ This work proposes the assessmentShow MoreRelatedPerfectionism As A Multidimensional Personality Disposition Essay1284 Words   |  6 Pagesperfect is impossible. But the ability to achieve the impossible is the temptress. Perfectionism has been described as a multidimensional personality disposition. 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Decision logic for outsourcing - involvement of risks and risk control

Question: Discuss the decision logic for outsourcing, involvement of risks and risk control strategy? Answer: Introduction The term Outsourcing can be defined as the strategy for cost-effectiveness when implemented properly into a business. It can be well explained by taking the example of a giant coffee company Starbucks in the following discussions. This concept is sometimes very important to consider as it provides a platform for affordability in the business by outsourcing of goods rather than producing internally. It may also include shift in the operations area that can provide growth in the economy of the business. The company Starbucks had massively used outsourcing over the years to expand the supply chain which also led to significant cost inflation. Decision Logic for Outsourcing The decision logic includes the analysis of relevant costs and benefits related to the outsourcing of materials, resources or products of a business organization. The decision logic are developed and explained on the basis of two factors like make buy of a product or service by any company. The factors of deflation in costs must be excluded while decision analysis for outsourcing of a product/service by the company (Acharyya and Brady, 2014). For instance in this case of Starbucks, the decisions for outsourcing should be made on the basis of some questions like should I outsource my customer feedback call centre? Should I outsource transport and logistics or hire in-house facilities? Thus the proper decision making can increase the cost-effectiveness and efficiency in the business process of organization (Chen and Chen, 2014). Outsourcing can help to introduce fresh business policies or procedures as well as it can free up time for innovation or other important tasks related to the business. However, making wrong decisions can lead to put the business into a competitive disadvantage which will lead to control loss over proper information, or product/services that does not meet the quality standards of the organization. So in context to Scordis et al. (2014), as the Operations Manager of the giant coffee industry Starbucks I would like to highlight upon the detailed logic map based upon the decision logic of outsourcing. The outsourcing decision matrix is used to clearly identify the process, product/service of function which can be kept in-house and which can be safely outsourced (Dionne, 2013). The Outsourcing decision matrix can be developed on the basis of two factors: 1. How important is the task to our business? As strategically tasks are important resources for competitive advantage. 2. What is the impact of the task on the performance of business operations? The Outsourcing Decision Matrix The modules of the matrix are as follows: Formation of strategic alliance The tasks in this module are of strategic importance though contributes less to the performance of the business operations. So, control over them must be retained to ensure the exact work of the tasks as we want or get good quality. These are of no significance to the costs or even running and focus on in-house operations. In this instance we can say that Starbucks is aligned with an advertising company to spread the message to customers but it will not affect the daily performance of the operations (Santos and Silva, 2012). Retain This involves tasks of high priority as well as have an adverse impact on the daily performance of the organization. These are to be kept in-house so as to retain the maximum control of the organization. In this context, the production and packaging should be kept in-house as it is strategically crucial and contributes to the smooth and successful running of the organization (Duckett and Busby, 2013). Outsource The tasks in this sector are important for the success of performance in the operations of the organization. So, these tasks can be safely outsourced as it would reduce the time of in-house management. For example, this coffee company can outsource its logistics operations to another specialist company that deals with logistics. How the product is delivered is definitely not a part of competitive advantage as it does not concerns the customers experience. But it has impact on operational performance as how well it is done means the timing andquality of the product. Eliminate- This sector does not concern the total strategy or contributes to the operational performance of the business. These tasks can be totally eliminated as they are of no importance but must be well considered as to why it should be eliminated. An example of this in context can be given as removal of unnecessary raw materials used for packaging or old unusable inventories in the company (Elahi, Sheikhzadeh and Lamba, 2014). The logic map for the company can be demonstrated as: Performance objectives Strategic Analysis According to Roberts et al. (2013), the idea of strategic analysis has been presented in the business in the year 1960s, with a point of upgrading the business execution and it has been likewise raised in the business setting as a goal of guaranteeing the long haul supportability for an association. The five performance objectives used to analyze the factors that influence the decisions to outsource or remain in-house in this context is explained below: Cost In order to analyze the operations performance objectives, it can be stated that cost is one of essential aspects, which is usually helping a company to ensure its current position as well as future prospects in an effective manner. Thus, most of the global companies usually emphasize towards manufacturing cost of its products as well as services for enhancing the ability of the company in the operating marketplace. In this context, more specifically it can be argued that Starbucks has highly emphasized towards its manufacturing/ production cost for enhancing its business competencies in the operating marketplace (Gjerald and Lyngstad, 2015). Quality This plays an important role so as to attract customers at the same time it also may enhance its market share within the operating marketplace. Moreover, better quality products may enhance brand recognition for a company. In this regard, more specifically it can be stated that during the manufacturing of coffee products or services, Starbucks has highly emphasized towards the specification of the products. At the same time, Starbucks has highly concentrated towards its quality related aspects and aiming to maintain the standards. Thus, it can be stated that quality assurance related decisions help a company to gain better competitive advantage in the operating marketplace (Kazmer, 2014). Speed The growth of the company can be ensured by concentrating on the operation process which may enhance operational efficiency of the company. In this regard, more specifically it can be stated that Starbucks always has provided its highest attention towards the speed of the business process along with its operations, for making better strategic decisions. At the same time, quick response of the company may reduce challenges for the organization by enhancing customer demands and it also has led the company towards better success in future. Dependability This is an essential aspect as it helps the organization to fulfill the needs and stand up to the expectations of the customers by enhancing the ability to deliver products as well as services amid the customers. In this context, it can be mentioned that Starbucks has enhanced its dependability on the customers by extending its overall range of product and services (Lacity and Willcocks, 2014). Flexibility In addition to the above mentioned aspects this one is also considered as one of the essential aspects for making business decisions as it can enhance the quality of operations. In this context, more accurately, it can be argued that Starbucks has always emphasized towards its flexibility related aspects with an intention of extending its business performance in around the globe. Thus, by analyzing the operations performance objectives, it can be evidently stated that through considering these factors BP may also identify appropriate strategic decisions for its outsourced as well as kept in-house products. Involvement of Risks The management of uncertainty lies on recognizing, measuring, and examining the factors that can influence the outcomes. This will help to identify potential risks and their impact. The types of risks involved in the decision making process include: Strategic Risks These types of risks emerge from the ventures an association makes to seek after its main goal and destinations. The risks are often involve the competition and can include various risks like macroeconomic dangers (the arrangement of purchasers and dealers steady with the standards of supply and interest), exchange chances (the operational dangers from merger and procurement action, divestitures, or organizations), and speculator relations chance (the dangers connected with corresponding adequately or incapably with the venture group) (Lacity and Willcocks, 2014). Financial Risks These identify with potential monetary misfortunes that can come about because of deprived distribution of assets, changes in rates of interest, shifts in move towards duty, expands or diminishes in the cost of things, or vacillations in the evaluation of cash (Lair, 2012). Operational Risks This type of dangers can emerge because of decisions about outline and utilization of procedures to make and convey merchandise and administrations. They can incorporate creation slips, substandard crude materials, and innovation breakdowns. Legal Risks These dangers stem from the risk of case or equivocalness in relevant laws and regulations (counting whether they are prone to change); these dangers make insecurity in the strides an association have to take to deliver its commitments to consumers, workers, suppliers, stakeholders, groups, and governments. Additional types of Risks - Dangers are regularly connected with power failure or occasions outside the ability of the organization. These can incorporate climate debacles, surges, seismic tremors, and war or different dangers (Madon and Sharanappa, 2013). Risk Control Strategy Risk Control is focused at those dangers that were not considered as worthy. E.g. theirs quality is over the agreeableness level. Restraint comprises in proposition, tolerating and acknowledgment of measures, that can take out those dangers or their worth is influenced somehow. Choice is the last aftereffect of the danger control stage and is typically the yield of considering a few arrangement variations. As, the decision makers the risks level, size and nature must be predetermined so that proper decisions can be taken to enhance the business process of the company (Office, 2015). The risks are evaluated and can be controlled according to the principles of 4T as discussed below: The first step comes is to terminate the risk by evaluating the affects of the risk on the system. In this regard, to make decisions for Starbucks the threat is that the decision to outsource the logistics may affect the business standards. So, as to maintain the business, the risks are to be eliminated by taking proper actions like keep track of the performance of the logistics company (Pratap, 2014). Next in context of risk control this step involves on how to manage and treat the risks as potential threats to the business. This is done by classifying risks into three categories as high, medium or low risks and can help to deduce the recovery option according to the risk involved in the process. This step involves the transfer of operations that consist of the risks which could hamper the competitive nature of the business. The modules of operation that are affected can be transferred to different locations or isolated such that it cannot affect the whole process of business. This may also be achieved by outsourcing of certain services of the company like in this case it is the outsourcing of customer feedback call center to other state to continue the business process. This step is implemented to tolerate the risks and thus controlling the risks so that the business process is not hampered due to the risks. This can be achieved by developing a tolerance strategy according to the risks predetermined in the business process of the company. Conclusion Decision making is the intellectual procedure prompting the determination of a course of activity among varieties. There are loads of risks in each stage. The reason for danger administration is to guarantee levels of danger and instability are appropriately overseen. All together to oversee dangers in the decision making is important to comprehend what is. The essential help for issue of danger in choice making procedure is utilizing the choice techniques for each stage. Thus, as the operations manager for the Starbucks coffee company the decision making should be done on the basis of risks and strategic analysis to continue the business process flow of the company. References List Acharyya, M. and Brady, C. (2014). Designing an Enterprise Risk Management Curriculum for Business Studies: Insights From a Pilot Program.Risk Management and Insurance Review, 17(1), pp.113-136. Chen, Y. and Chen, Y. (2014). Strategic outsourcing under technology spillovers.Naval Research Logistics (NRL), 61(7), pp.501-514. Dionne, G. (2013). Risk Management: History, Definition, and Critique.Risk Management and Insurance Review, 16(2), pp.147-166. Duckett, D. and Busby, J. (2013). Risk amplification as social attribution.Risk Management, 15(2), pp.132-153. Elahi, E., Sheikhzadeh, M. and Lamba, N. (2014). An Integrated Outsourcing Framework: Analyzing Boeing's Outsourcing Program for Dreamliner (B787).Know. Process Mgmt., 21(1), pp.13-28. Gjerald, O. and Lyngstad, H. (2015). Service risk perceptions and risk management strategies in business-to-business tourism partnerships.Tourism Management Perspectives, 13, pp.7-17. Kazmer, D. (2014). Manufacturing outsourcing, onshoring, and global equilibrium.Business Horizons, 57(4), pp.463-472. Lacity, M. and Willcocks, L. (2014). Business process outsourcing and dynamic innovation.Strat Outs, 7(1), pp.66-92. Lacity, M. and Willcocks, L. (2014). Business process outsourcing and dynamic innovation.Strat Outs, 7(1), pp.66-92. Lair, C. (2012). Outsourcing and the Contracting of Responsibility*.Sociological Inquiry, 82(4), pp.557-577. Madon, S. and Sharanappa, S. (2013). Social IT outsourcing and development: theorising the linkage.Information Systems Journal, 23(5), pp.381-399. Office, J. (2015). Acknowledgement to Reviewers of the Journal of Risk and Financial Management.Journal of Risk and Financial Management, 8(1), pp.1-1. Pratap, S. (2014). Towards a framework for performing outsourcing capability.Strat Outs, 7(3), pp.226-252. Roberts, J., Henderson, J., Olive, L. and Obaka, D. (2013). A Review of Outsourcing of Services in Health Care Organizations.Journal of Outsourcing Organizational Information Management, pp.1-10. Santos, J. and Silva, M. (2012). Cost Management in IT Outsourcing Contracts: The Path to Standardization.Journal of Outsourcing Organizational Information Management, pp.1-17. Scordis, N., Suzawa, Y., Zwick, A. and Ruckner, L. (2014). Principles for Sustainable Insurance: Risk Management and Value.Risk Management and Insurance Review, 17(2), pp.265-276.

PESTLE Analysis of SingTel-Free-Samples for Students-Myassignment

Question: Discuss about the PESTLE Analysis of SingTel. Answer: Introduction The company considered in this report is Singapore Telecommunications, an organisation based in Singapore. Singapore Telecommunications also known as SingTel is one of the leading communication industry which offers services of wide ranges. The wide range of services includes data, internet services and mobile. The company also includes the technology of info-communications and pay-television along with the said services. SingTel is considered to be Singapores one of the largest organisation that is public-listed through capitalisation of market. The organisation is having the branches in India, Pakistan, Indonesia, Thailand, Australia and Philippines. They are other than been recorded on the Australian Securities Exchange by help of obtainment of Optus, the second most noticeable communication supplier in Australia since September 2001. For fulfilling the necessities for multinational affiliations, SingTel runs approach of 36 working environments in 19 different countries and zones all through Asia Pacific, Europe and besides the USA. The SingTel Group is serving around 383 million customers in 25 different countries (Chua, 2011). In Singapore SingTel is working for the last 130 years and they also plays significant role in the development of the country. In the current era the company is having vital part in computerizing the media in ICT market of the country. Though, the government has imposed an end of monopoly market but the organisation is still retaining 3.2 million clients and the share of the markets is as high as 46.4% (Market Analysis for the SingTel Group, 2015). In 2007 SingTel launched Mio TV and take an entrance in the world of entertainment providing in home. In 2016 fiscal year organisation earned a profit of net value around S$ 3.87 billion (Annual report, 2016). PESTLE Analysis PESTLE analysis is considered to be one of the best tool which are been utilised by the market analysers for analysing and monitoring the macro factors of environment which influences as well as having impact on the organisation (Marketing Theories PESTLE Analysis, n.d.). Political Factors: The holding of the Singapore government beyond the organisation has a positive impact on the organisation. Temasek Holdings have owned the majority portion of the organisation. Temasek Holdings is one of the investment wings of the government of Singapore. SingTel with the help of market capitalisation in the exchange of Singapore has a total portfolio value of 223 billion Singapore dollars. Under the laws and constitution of Singapore, President as well as Minister of Finance of Singapore and shareholder of Temasek are not been involved in the decisions of business, investment and divestment (Nga, 2017). But as the company get the backing of the Singapore government the investors have confidence for investing which maximizes the companys creditability. Economic Factors: Globalisation affected the reputation of the company. When there was an economic turndown on 2008 the company offered the rebates services to the customers. The customer paid rebated bills as well as the post-paid plan was without any contract. The plans of SuperSim were the first plan of post-paid mobile without any contract. This adaptability of the organisations enhanced the customers confidence (Market Analysis for the SingTel Group, 2015). In recent times the government of Singapore have concentrated on the heavy investment on the economy diversification. Therefore every economical sector will attain a significant growth and therefore SingTel has the opportunity in strengthening the business. The company should take the advantages of spending habits of customers and alteration in income. Social Factors: SingTel develops social program. The philanthropy program includes SingTel Touching Lives Fund which raises the fund for helping the children as well as youth who are in the requirement of special needs. Project Silverline of SingTel helps in improving the lives quality of the elderly people who are alone. The organisation also helps the kids. The organisation partnered with Optus for the Helpline of kids since 1999. It helps in creating the interesting strategies for assisting kids and then connects them through online counselling services in the real time. Technology Factors: SingTel has strengthened the services of digital marketing. The services like Hooq and Data Spark has made the company to gain the technological process. This helps the company in providing the maximum synergy to the customers and offers bundle of services to the customer. It offers solutions for multiple industries. Technology changed and developed rapidly and constantly nowadays. New relationship, for instance, Internet Telephone and the extension of media transmission customers are the illustrations behind relationship to put becoming new types of progress in things and affiliations (Nga, 2017). Starting at now, SingTel gives telephone lines, online business, web, and versatile relationship with key change in electronic business and Internet-based activities with customer packs. Along these lines, SingTel has seen that the creative endeavours are a critical bit of SingTel's methodology for whole course of action progress. On 21 September 2010, Singapore Telecommunications Limited point by point it has set up SingTel (Innov8), a corporate twist relationship to place assets into creative developments and answers for make future progress engines for the Group. Innov8, a totally had teammate of SingTel, will have a covered resource size of S$200 million. Legal factors: The competitors of SingTel are accounting legal action after Telco in Singapore apologized for conducting campaign through the agency of social media. The company had roped for running campaign targeting the youth people but the local blogger have published internal brief instructions against the organisation and the organisation faced a great danger at that time. Environmental Factor: SingTel manages as well as minimizes the environmental impact by conservation of resources as well as preventing the pollution. The Environmental Management System helps in providing the guidance process of the business as well as operation for ensuring that the policies of environment are been met. The organisation is committed for providing the safe health and work environment for the employees and also managing the footprint of environment. Porters Five Forces Analysis Porter Five Forces Analysis is considered to be powerful tool to understand the location of power in an environment of business. This is helpful as well as useful as it helps in understanding the strength of the competitive position of the business as well as the strength of the position which is been considered at the time of moving the business (Porters Five Forces, 2015). Rivalry Intensity (High) The competition is stiff because the companies of telecommunication are supplying the same products which are been considered as undifferentiated. Customers are having the power of high bargaining which yields in wars of prices and this is happening from the past. The emergence and introduction of optic fibre for the services of internet showed that there is a trend in increasing the number of service providers. In recent times many service providers has introduced the utilisation of fibre products. As the industry of telecommunication was liberalized in the past decade therefore the introduction of innovative optical fibre will attract maximum customers. Risk related to New Competitor (Low) There are several obstacles for entering because of this industries nature. These obstacles comprise infrastructure related expenses like high telecom signal towers for mobile phone users as well as data houses for the purpose of managing cloud storing. Moreover, businesses that belong from this industry have a possibility to maximizing economies for extra reduced expenses and keeping out new competitors. As an example, for the purpose of installing infrastructure, initially mobile users had to pay elevated usage cost. Then the minimal charges to add each user was reduced that bought down unit charges. As it will be tough for the newcomers to be consistent within the telecommunication industry, there are less chances for locating any such new competitor. Suppliers Authority over the Industry (Moderate) In Singapore, always there is a moderate control stability amongst the telecommunication firms and suppliers. It is not possible for suppliers to contest with present users in a direct way for the high estimated networks located geographically and the struggle for making long-term agreements are generally challenging for this telecommunication industry. A deficiency of suppliers is noticed because of their precise capability of providing multifaceted, dependable mobile networks. Assumed the stability of authority amongst telecommunications firms and suppliers, suppliers influence is generally reasonable. Buyers Influence (High) In the rich country of Singapore, customers retain extraordinary control on bargaining, as they have the extreme authority for changing companies. Furthermore, often a great level of transparency can also be seen that lets price cautious customers for having a decent valuation of the available existing choices for taking a well-versed choice. Therefore, buyers affect a company through their ability to drive prices down, bargain for higher quality and more services and play competitors against each other. Risk related to Substitute Products (High) The menace related to substitute products is very high because of less number of changing expenses as well as less number of variation amongst mobile network service provider firms. Customers are very cautious about mobile charges and often incline to change to a provider that costs less. At present, for the purpose of making overseas call, clients have the option for selecting Internet telephony on top of fixed-line service. The need of fixed-line is declining by means of a convenient process. Intimidations as alternative of fixed-line telecommunication is great and it is substituted by Voice over Internet Protocol (VOIP) as well mobile phone apps that eventually helps in decreasing communication along with expenses related to the setup.(Chang, Tham, Cheng Chung 2016) Tactical Recommendations For achieving enhanced result, SingTels brand appearance as well as its amenities have to be highly user-centric, better governed, the company needs to take social responsibilities and need to look for innovation all the time. User-centricity Accomplishments of SingTel comes from user centricity. It has to sustain decent communicative rapport with its consumers by the means of innovative and thrilling facilities as these are crucial for dodging the rivalry. SingTel, through understanding its customers requirements and fathoming to them, need to boost its viability through providing value added as well as worth service. Consecutively, it will grab users attention that eventually will help in establishing a vast client-base. Therefore, SingTel need to continue its search to formulate new and pioneering means for doing trade and withstand desire to show a change. Worthy Domination Decent commercial control along with transparency are crucial for confirming durable feat and guarding curiosities of the share-holders. Additionally, it also need to align with the commercial goals steadily for strengthening leading the industry and its status within the telecommunication business industry. For the purpose of the companys viable growth, SingTel's have to integrate top-notch HR policies for talent acquirement, retaining, teaching, growth and employee along with nurturing and grooming imminent leaders. Variation in workers is a vital part for the firm to attain accomplishment as each staff brings their exclusive expertise along with working knowledge that facilitates company growth. Hence, SingTel need to make every effort for attracting and hiring the best talents available round the globe. Social Duty Along with the assurance of offering a vigorous as well as harmless work atmosphere to its staffs, SingTel have to be devoted in decreasing environmental track by the means of intensive business performs. It need to talk about and be attentive in protecting the environment, conserve natural resources, reducing chemical waste as well as operational impacts. Looking over such in-house practices will eventually let SingTel monitoring, assessing as well as mitigating the importance of any hostile business effect on the atmosphere, humanity, its consumers, and lastly its workers. Additionally, SingTel need to address the social fears which are dire to the welfare as well as viable community growth where it functions. Presently, the company funds a vast kind of agendas those are mainly focused on two policies: SingTel Touching Lives Fund (STLF) It is the corporate philanthropy agenda within the Singapore for supporting community related plans, needy teen-agers as well as youngsters. SingTel backs community growth for preventing catastrophe aid and decrease disease within the geographical area where SingTel maintains high-potential influence. These are considered as good initiatives and these to be sustained for noble work that covers more areas in future for contributing further to the humanity and society. Continue Innovating It has become a great challenge for SingTel to be able to avoid the competition and continue as a leading service provider in the present volatile industry of telecommunications. Ergo, the innovation part is indeed a key for resisting within the market. For exploring and identifying ways in which innovative facilities like Internet Telephony can further be exploited and incorporated within its prevailing telecommunications facilities, SingTel must team up with firms like government agencies, top innovators, equity providers as well as Research Development (RD) groups within its service areas. Transformation should be the plan to succeed and stay ahead of the competition, SingTel must adopt cost efficiency which instigates high performance and growth.(Roy, Halder, Roy, Mehedi Shamim 2013) Conclusion SingTel remains maintaining a resilient stance being the leader of telecommunication industry along with a robust consumer-base and attainment as it is able to frame and apply decent approach. However, still there is considerable space of advancement. Even now, Voice over Internet Protocol (VOIP) is an intimidation as there is no plan framed to fight it. Through refining its operational structure and constant scanning of in-house financial subtleties, there is a high possibility of production decline, delivery, and service charges. It can be beneficial for both customers and the business. Therefore, SingTel can attain the position of being the lowermost cost telecommunication services provider within the region. RD is a venture to secure the future of the company.Singapore Telecommunications Limited must carry on investing in SingTel Innov8 for identifying innovative know-hows and resolutions for further growth. (Harpur, 2016 Reference List Annual report. (2016). Transforming with you [webpage]. Retrieved from https://info.SingTel.com/annualreport/2016/files/SingTel_AR2016.pdf Chang, R., Tham, XS., Cheng, KF., Chung, C. (2016). NUSINVEST[webpage]. Retrieved fromhttps://www.nusinvest.com/wp-content/uploads/2016/01/FA-%E2%80%93-Industry-Report-Telecommunications-Industry-December-2015.pdf Chua, A. (2011). E-resources[webpage]. Retrieved from https://eresources.nlb.gov.sg/infopedia/articles/SIP_1610_2011-03-21.html Harpur, P. (2016) Budde[webpage]. Retrieved from https://www.budde.com.au/Research/Singapore-Telecoms-Infrastructure-Operators-Regulations-Statistics-and-Analyses Market Analysis. (2015).Market analysis for The SingTel Group[webpage]. Retrieved from https://www.ukessays.com/essays/marketing/market-analysis-for-the-SingTel-group-marketing-essay.php Marketing Theories. (n.d). Marketing Theories PESTLE Analysis[webpage]. Retrieved from https://www.professionalacademy.com/blogs-and-advice/marketing-theories---pestel-analysis Nga, L. (2017). Fool[webpage]. Retrieved from https://www.fool.sg/2017/04/13/2-risks-singapore-telecommunications-limited-is-facing-and-how-it-plans-to-address-them/ Porters Five Forces. (2015). Porters Five Forces [webpage]. Retrieved from https://www.mindtools.com/pages/article/newTMC_08.htm Roy, A, Halder, P, Roy, S, Mehdi, MA, Shamim, MSH. (2013). Projonmerpokaaiub[webpage] Retrieved from https://projonmerpokaaiub.blogspot.sg/2013/07/paperon-SingTel-submitted-to-hasan-prof.html SingTel group sets up.(2010)SingTel Group sets up S$200 million corporate venture capital fun to drive innovation [webpage]. Retrieved from https://innov8.SingTel.com/about.html

W.A. Mozart Essays - Operas, Wolfgang Amadeus Mozart, Opera Buffa

W.A. Mozart 1756-91, Austrian composer whose oeuvre represents one of the great peaks of musical history. His works, written in every genre, combine beauty of sound with classical grace and technical perfection. He learned to play harpsichord, violin, and organ from his father, Leopold Mozart, 1719-87, a composer and violinist. A remarkable prodigy, the young Mozart was composing by age five, presenting concerts throughout Europe as a child, and by age 13 had written concertos, sonatas, symphonies, and operettas. In Italy (1768-71) he absorbed Italian style, and in 1771 he was appointed concertmaster to the archbishop of Salzburg, a position in which he was restless. Idomeneo (1781), one of the best examples of 18th-cent. OPERA seria, was the first opera of his maturity. He moved to Vienna (1781), married, and met HAYDN, to whom he dedicated six string quartets (1782-85), testimony to the two composers' influence on each other. The Abduction from the Seraglio (1782), a singspiel combining songs and German dialogue, brought some success. He turned to the Italian opera buffa, creating the comic masterpiece The Marriage of Figaro (1786). Don Giovanni, considered difficult in its day but now recognized as one of the most brilliant operas ever written, followed in 1787. In the same year Mozart succeeded GLUCK as court composer to Joseph II; Eine kleine Nachtmusik (1787) is an example of the elegant occasional music he wrote in this role. In 1788 he wrote his last three symphonies, Nos. 39-41, which display his complete mastery of classical symphonic form and intense personal emotion. In Vienna he produced his last opera buffa, Cosi fan tutte (1790). In The Magic Flute (1791) he returned to the singspiel, bringing the form to a lyrical height. He then worked feverishly on a requiem commissioned by a nobleman; it proved to be Mozart's own, and the work was completed by his pupil Franz S?ssmayr. The composer died at 35 in poverty and was buried in a pauper's grave. A catalogue of Mozart's works was made in 1862 by Ludwig von K?chel; they are usually identified accordingly, e.g., the Piano Concerto in B Flat, K. 595. Music Essays

Prohibition1 essays

Prohibition1 essays As under a spell, the people had suffered this act to be brought to its fatal conclusion, but with the first touch of cold reality the charm was undone, and the law appeared in its true aspect. Brought about by the Eighteenth Amendment and enforced through the Volstead Act, lasted for over a decade. Despite a growing lack of public support for both Prohibition and restraint itself, the ban on alcohol continued throughout the United States-at least in the law books. In practice, however, National Prohibition was much less effective than restraint and Prohibition leaders had hoped, in the end causing more problems than it solved. Once passed, Prohibition directly led to the increase in crime and corruption during the twenties, the public health problems associated with bootleg liquor and alcohol substitutes, the irritated tensions between religious, racial, and social groups, and the political disturbance in response to its existence. Yet in the end, it was the discussion of the supre me public hatred of the Amendment, caused by all of these factors combined, which brought about Prohibitions repeal. Yet Prohibition did enjoy some success. Records reveal that alcohol consumption did initially drop after the onset of National Prohibition and the Volstead Act. However, this decrease on a national level was not all that significant compared to the effect of previous temperance measures in specific communities. Also, after this initial drop alcohol consumption continued to rise steadily throughout Prohibition to the point where it was thought consumption would actually surpass pre-Prohibition levels. The same was true of alcohol related diseases-while initially declining, alcoholism and alcohol-related illness climbed to new heights, all while Prohibition was still in effect (Thornton, Failure 7071). Thus, in the long run, the initial success of Prohibition was soon reversed. Crime, however, was a problem thro...

Reflective Critical Report Essay Example | Topics and Well Written Essays - 1000 words

Reflective Critical Report - Essay Example At the onset, (instructor) proactively set the classroom policies that everyone should follow. (Instructor) outlines the aims of the course and communicated these effectively to the students. (Instructor) also allowed the students to raise their concerns and own goals to ensure that they are reasonably in-line with the course objectives. Introduction Throughout the class discussions and lectures, I learned that teachers need to be flexible and able to balance between keeping up with the schedule and ensuring that students fully understand what is being taught inside the classroom. Some classes may have students who have previous knowledge in the subject, some may have students who are able to catch-up easily and deal with fast-paced learning. However, this is not always the case. What I learned during the observation is the way (instructor) responded to these circumstances. This is why teachers need to be flexible and quick in solving concerns such as things or schedules not happenin g as planned. (Instructor) also maximized the opportunity for learning by making effective use of the limited time for lectures. I learned that it is important to make the most of classroom time while students are fully involved in the learning activities (Eggen & Kauchak 2007, p. 372). ... Overall, the feeling it gave the students most probably was eagerness to learn. Questions were always encouraged, and every question was treated like it was the most important question ever asked. This encouraged the students to probe more, thus improving the interactive learning process. However, it must be hard to balance paying attention to every question and staying within the schedule of activities and topics. I never saw any waning of attention from the students because the class was very lively since (instructor) encouraged class participation. Methods/Approaches/Techniques (Instructor) gave a small test at the start to gauge the knowledge of the students. I observed it was a good strategy and it gave me valuable insight on the importance of an almost particularized approach in teaching. Also, in every lesson, (instructor) provided the logic behind the importance of learning what is about to be taught. My favourite part of the classroom activity was when (instructor) played a taped and allowed the students to discuss in pairs what they just listened to. It encouraged the students to encourage their partners to analyze more. It also provided an opportunity for the partners to develop teamwork and constructive evaluation of each other’s ideas. In this listening and comprehension activity, (instructor) gave statements or phrases which students needed to arrange in proper order to make the overall thought in line with what they just listened to. Some students merely guessed, showing that active listening should be improved. I found these group activities very interesting and valuable because they help make students learn through immersion and application of classroom theories.

Argument shows islamic banking is not only targeting people from Essay

Argument shows islamic banking is not only targeting people from muslim backgrounds or in muslim countires - Essay Example As a result of the strict lending rules, Islamic Banking is gaining popularity among Muslims and non-Muslims globally at a high rate. Although referred to as Islamic Banking, non-Muslims have currently been included in the system. Some observers have defined it as a sophisticated banking and finance structure that takes into consideration moral and social values, highly compatible with the modern financial needs, which make the bank, receive overwhelming support from all people. The incorporation of strict sharia economics and the modern lending economics have been the major contributing factors for non-Muslims’ indulgence in the Islamic banking system (Syed, 2012). Previously, Islamic Banking was attractive only to a limited number of Muslims whose main purpose was to avoid interest charged by the conventional banking system. However, the increased support it has received from the rich Gulf Muslim investors has increased its popularity, luring more people into the system. The rising demand for ethical investing and the need for less risky alternatives of investing have pulled more numbers of non-Muslims into the Islamic Banking. Additionally, the Islamic finance sector is yet to develop into a fully-fledged financial sector. Therefore, more people are required to chip in their little share so as to expand the market share. Driven by the vision of offering an alternative banking system to the conventional banking, designers of the Islamic Banking allowed non-Muslims to take part in order to accelerate its growth (Abdullah, 2012). The high potential shown by Islamic Banking has seen the introduction of classes based on the ideals of Islamic Banking system (Khan, 2013). In fact some of these institutions have greatly advocated for Islamic Banking to the extent of recommending it among their students. Harvard for example has set up an Islamic Finance Project since 1994 that is based on

The Euro Crisis in Portugal ( European Union) Essay

The Euro Crisis in Portugal ( European Union) - Essay Example The crisis continued to spread and by the end of the year 2011, two other countries Italy and Spain were affected. By the end of October in the same year, these countries were compelled to pay absolute risk premia on the order of 500 basis points. As a result of this, the public finance structures of both the countries became vulnerable as their sustainability became subjected to risk. During the first half of the year 2012, many bonds reached their maturity date in both Italy and Spain. During this phase, there were both positive and negative possibilities – either the debt crisis could be managed in an efficient manner or further severe repercussions on the global economic structure. In the entire course of the European debt crisis, every effort was taken by the policy makers so that they could provide relief to the money market. However, most of the times it was realized that any strategies that were adopted were either too insufficient or were too late. In the year 2010, t here were many deliberations over the benefits or detriments of monetary assistance or intervention from International Monetary Fund (IMF). As a result of this no fixed solution could be found for the euro debt crisis. In July of 2011, a decision was taken to enhance assistance to the Greek sovereign with permission of involvement from the private to some extent. However, this decision was rejected by another decision made in the late October of the same year. This latter decision â€Å"required much deeper (50 percent) haircuts for private creditors, supplemented by an announced policy intended to build a firewall through major leveraging of the European Financial Stability Facility (EFSF)† (Cline & Wolff, 2012, p.v). Subsequently, in the beginning of December the famous summit took place which provided all the member countries of the European Union (EU), except the United Kingdom for its reluctance to participate in the

Space Defining Elements And Space Defined Cultural Studies Essay

Space Defining Elements And Space Defined Cultural Studies Essay Definition from Oxford dictionary: the dimensions of height, depth, and width within which all things exist and move. Space is a three-dimensional place where objects and people exist and move and where events take place. In psychology, space is defined as the recognition of objects appearance and how its perceived. In architecture, space is a special form of free space which the architect creates by giving it form, shape and scale. Space is prime material is the designers palette and an essential element in interior design (Ching D. K. 1943, page 10). The function of space is first defined in two dimensions, breadth and width, but the manipulation of space bring out the third dimension, the height, giving the opportunity for the inhabitants to develop yet further dimensions. In reality, architects dont make or create a space, they just cut off a part of the continuum and design recognizable sub-spaces. Each space has special function and represents a special entity expressing the relationship between humans and things besides creating architectural boundaries. Space is a fundamental element in architecture, since architecture is about spatial creation and depends on the disposition of space and form relating to human behavior. [Dimensions Charles Moore page 7] Museums are special buildings designed around a set of characterizing attributes. The main concerns in designing a museum are its interiors and spatial organization. The kind of interior space differs according to the function of the building. Interior spaces in museums are expressive in many ways, not only because they provide information but also because they reflect different concepts. So, space can be seen as a medium of communication and interpretation in museums. It can provide a division in zones, each with its own activities and uses. This paper is mainly concerned with the importance and effect of space in public places, mainly in museums. The relationship between space defined and space defining elements as well as the relationship between objects and the observers are studied. Relationship between space defining elements and space defined: Space itself has no definition or meaning unless visual objects or elements are placed inside it, establishing a relationship between space and the elements and between the elements themselves. Narrowing it down to architectural scale, the main elements defining a space are walls, roofs, floors, coloumns and beams. Interior design considers a deeper definition of space concerned with its layout, furnishing and planning. In design philosophies, the space and form are always regarded as the negative and positive, where the solid is the elements filling the big void, which is the space. Architecture can be considered as a creative expression of the coexistence of space and form on a human scale but its understanding together with all other concepts, is rooted in psychological space of our thoughts.(Tom Porter, 1997: page 26). The display layout depends on some main configurational properties such as control, connectivity and integration, as well as some spatial qualities like hierarchy, symmetry and perspective. Different combinations of these properties result in three different spatial-display relationship strategies: objects enhancing space, space enhancing objects and fully autonomous independent space-display relation. In the first setting, the qualities of the objects are used and exploited to emphasize the qualities of architectural space instead of bringing out the qualities of the exhibits themselves. In the second setting, the architectural space maximizes the impact of the objects while keeping the space in the background. Curators might emphasize certain exhibits by displaying them in high hierarchy areas. These galleries are privileged with respect to others by being directly accessible, visible from far distances and have many connections to and entrances from other parts of the building. To conclude, the link between design choices and display goes far beyond the visual and aesthetic aspects. The spatial aspects and the proximity of spaces combined with the exhibited objects in a certain layout form a correspondence relationship. This helps the observer to identify the relation between the exhibited objects and become a part of their history. Relationship between observers and space: People perceive the interior and exterior spaces in a sensual way, involving movements. Movement can be described as a transition between spaces and different spatial impressions. Each movement in space causes a variety of experiences to the visitor which affect their senses. This causes a huge number of stimulations inside the human brain resulting in different responses and feelings. For example, being in a theme park gives a different response as being in a cathedral. Nature as well as man-made environments are rich in spatial diversity. Wherever you go, you experience different types of spaces. Unlimited spaces could be experienced standing on tall buildings, on high grounds or from vantage points. You can also experience partially defined spaces while moving in canyons or through streets and totally enclosed spaces from inside caves or windowless rooms like elevators. The movement from one type of space to another, such as from restricted to a more free space or vice versa, makes the experience more impressive. Psychologically, the volume taken by ones body is related to the ones perception of the space. Animals and humans share similarities in that each creature has his personal space bubble of a certain size, which fluctuates according to the psychological spatial relation. For example, the size of this personal bubble grows in small spaces like elevators and oppositely diminishes in enormous spaces such as cathedrals and auditoriums. That mea ns that humans feel their body larger in small spaces. In museums, space is of huge importance, since users dont only read the information on the exhibits and look at them, they also take in the space and become a part of it. The experience of the visitor is more inclusive, unlike reading the information in a book or in the internet, which is spatially unequal. Space is formed by the relationship between the observers and the elements defining the space. In order to enhance the observers experience in taking in the exhibits, space must be interactive. This means that there should be a physical response from the visitors or receivers. Visitors can be guided by the designs of the space to move in a particular way. Observers can be guided by the designs to an exploratory movement in the space, where they are introduced to an unknown environment with prominent and strange surroundings where the architecture of the space is a foreground element. People move more slowly and whisper. On the other hand, visitors can be guided to a more habitual movement, where the architecture is a hardly noticeable background and people move without awareness of the surroundings, only thinking of their goal. The Psychology behind designing a museum space: The architectural design of a museum can be very difficult and varies with the purpose of the building. The exhibits of the museum must be preserved and yet visible and exposable for the visitors. When designing a museum space, one must understand the psychology of the visitors in crowded rooms. For example, it has been proved that people prefer making right turns than left turns as well as sitting or standing at the edges of a room instead of in the middle feeling more secure and giving themselves the chance to observe others without being observed and without their privacy being endangered. In a museum, the objects must be arranges so as to encourage exploratory movement of the visitors. The structure of space and organization of exhibits should work together to enhance local exploration and decrease the speed of movement of the visitors and slow down the rhythm of perception in order to make them take in all the information conveyed by the displayed objects. For example, a statue placed in the far distance and displayed from the back encourages the visitor to come closer and move around it to fully explore it. What defines a museum space is the existence of two types of spatial organization: the visit-able sequence as well as the gathering space which observers repeatedly visit during the tour. These two types of spaces help create two kinds of interfaces: the informational and the social dimension. The former (informational) is due to the arrangements of the exhibits inside the museum as determined by the curators, while the latter (social) is between the visitors themselves. There are different geometrical layouts for museums which help us to draw a fundamental difference between museums, some give choice of routes, others give a choice of galleries. The former layouts give the visitor the freedom to choose the route from one part of the building to another which creates a probabilistic distribution of visitors, causing less crowding in central gathering spaces. The latter layouts give the visitors only a restricted choice between chambers or galleries and drives him / her back to the overall defined route. In some cases the geometrical layout of a museum causes conflicts between the social and informational functions. This is especially the case when the layout separates the galleries for informational reasons, cutting off the social functions. In other cases, enhancement of the informational function strengthens the social function as well. This happens when the geometrical structure enforces proximity of the visiting areas and galleries. In this case, the randomness of encounter is maximized, causing social interaction. These geometrical layout strategies suggest that visitors dont only experience the objects (informational) and other people (social), another critical dimension is introduced, which is the experience of space itself. While designing a museum space, we should consider the different patterns of exhibitions such as object-based exhibitions, demonstration-type exhibition and topical exhibitions. Object-based exhibitions concentrates on the exhibited object itself, its background and its social, cultural, historical and religious values. Demonstration-type exhibition is used to demonstrate the existence of non-visible natural phenomena such as heat, electricity, light, sound and wind. Topical exhibitions on the other hand use movies, scripts, articles, collages and stage performances to tell stories and present whole pictures about a certain field. To conclude, a museums space should be designed to be informative, interactive and enforce the discovery and exploration spirit of the visitor. A museums architecture must connect, sense, move, show and site. Not only must a museums design encourage the visitor to learn and discover, but it must also must teleport the observer into another world. Besides, a museums space must be easily accessible and should allow for many public functions including workshops, informative lectures and social events. Case study of two different museums: Griffith observatory (LA USA) vs. Alexandria Museum (Alexandria Egypt) Alexandria Museum Alexandria National Museum is located in an Italian style palace in downtown Alexandria on the main street of Alexandria (Tariq el Hurreya). The building was first built in 1928 and owned by one of the wealthiest wood merchants in Alexandria. It was turned into a museum in 2003. Nowadays, it contains more than 1800 artifacts, revealing the history of Alexandria. The historical building consists of 3 stories, each floor exhibits a different era of the Egyptian history starting from the oldest in the ground floor and exhibiting more modern pieces as the visitors move upstairs. While the ground floor is concerned with the Pharaonic era, the 1st floor exhibits Greco Roman antiques and the 2nd floor demonstrates the more modern Coptic and Islamic eras. The museum is considered as one of the most important in Egypt. The museum is considered an object-based exhibition, where the observer enjoys walking around the objects and focusing on them, understanding their history and the era where they come from. The building consists of a central gathering space, from which the visitors can decide which exhibition room to enter first on the same floor. Its layout can be considered a partly guiding layout, since the visitors are forced to move from the older eras in the lower floor to the more modern eras upstairs in a sequential way. However, it still gives the observer the freedom to choose which gallery to visit first on the same floor when standing in the central area. The interior design of the museum separates each era by exhibiting it in a different floor, but connects the objects from each era together by displaying them on the same floor in adjacent galleries. This partly guiding layout minimizes the control that the layout enforces on the visitors and increases the randomness in the movement, which causes exploratory behaviour of the observer. However, the layout may cause the visitor to miss some of the objects and the fact that the central area is entered every time the visitor go es from one gallery to another may cause local crowding.

effects of television on children :: essays research papers

THE FOLLOWING DESCRIBES THE TERMS ON WHICH EBAY OFFERS YOU ACCESS TO OUR SERVICES. Welcome to eBay Inc.'s User Agreement. This Agreement describes the terms and conditions applicable to your use of our services at http://www.ebay.com and our general principles of our International affiliates. If you have any questions, please refer to our User Agreement Frequently Asked Questions at (http://pages.ebay.com/help/basics/f-agreement.html) or our User Agreement Revision Frequently Asked Questions at (http://pages.ebay.com/help/basics/uarevision1-faq.html). We may amend this Agreement at any time by posting the amended terms on our site. Except as stated below, all amended terms shall automatically be effective 30 days after we initially post them on our site. This Agreement may not be otherwise amended except in writing signed by you and eBay Inc. This agreement is effective on March 21st, 2001 for new registering users, and is otherwise effective on May 15th, 2001 for all users registered prior to March 21st, 2001. 1. Membership Eligibility. Our services are available only to individuals who can form legally binding contracts under applicable law. Without limiting the foregoing, our services are not available to minors or to temporarily or indefinitely suspended eBay members. If you do not qualify, please do not use our services. Further, your eBay account (including feedback) and User Id may not be transferred or sold to another party. 2. Fees and Services. Joining and bidding on items at eBay is free. Our Fees and Credits Policy is available (at http://pages.ebay.com/help/sellerguide/selling-fees.html) and is incorporated by reference. We may change our Fees and Credits Policy and the fees for our services from time to time. Our changes to the policy are effective after we provide you with at least fourteen (14) days' notice of the changes by posting the changes on the announcements board. However, we may choose to temporarily change our Fees and Credits Policy and the fees for our services for promotional events (for example, free listing days) and such changes are effective when we post the temporary promotional event on the announcements board. When you list an item you have an opportunity to review and accept the fees that you will be charged for the use of our listing services. We may in our sole discretion change some or all of our services at any time. In the event we introduce a new service, the fees for that service are effect ive at the launch of the service. Unless otherwise stated, all fees are quoted in U. effects of television on children :: essays research papers THE FOLLOWING DESCRIBES THE TERMS ON WHICH EBAY OFFERS YOU ACCESS TO OUR SERVICES. Welcome to eBay Inc.'s User Agreement. This Agreement describes the terms and conditions applicable to your use of our services at http://www.ebay.com and our general principles of our International affiliates. If you have any questions, please refer to our User Agreement Frequently Asked Questions at (http://pages.ebay.com/help/basics/f-agreement.html) or our User Agreement Revision Frequently Asked Questions at (http://pages.ebay.com/help/basics/uarevision1-faq.html). We may amend this Agreement at any time by posting the amended terms on our site. Except as stated below, all amended terms shall automatically be effective 30 days after we initially post them on our site. This Agreement may not be otherwise amended except in writing signed by you and eBay Inc. This agreement is effective on March 21st, 2001 for new registering users, and is otherwise effective on May 15th, 2001 for all users registered prior to March 21st, 2001. 1. Membership Eligibility. Our services are available only to individuals who can form legally binding contracts under applicable law. Without limiting the foregoing, our services are not available to minors or to temporarily or indefinitely suspended eBay members. If you do not qualify, please do not use our services. Further, your eBay account (including feedback) and User Id may not be transferred or sold to another party. 2. Fees and Services. Joining and bidding on items at eBay is free. Our Fees and Credits Policy is available (at http://pages.ebay.com/help/sellerguide/selling-fees.html) and is incorporated by reference. We may change our Fees and Credits Policy and the fees for our services from time to time. Our changes to the policy are effective after we provide you with at least fourteen (14) days' notice of the changes by posting the changes on the announcements board. However, we may choose to temporarily change our Fees and Credits Policy and the fees for our services for promotional events (for example, free listing days) and such changes are effective when we post the temporary promotional event on the announcements board. When you list an item you have an opportunity to review and accept the fees that you will be charged for the use of our listing services. We may in our sole discretion change some or all of our services at any time. In the event we introduce a new service, the fees for that service are effect ive at the launch of the service. Unless otherwise stated, all fees are quoted in U.

Differences between the Compensation and Benefits Programs used in U. S. and Germany

Compensation refers to the salary and/or wage structures and programs such as job descriptions salary, bonus-based benefits programs, merit based programs and commission-based programs (Patricia & David 125). Compensation and benefits are provided either as variable pay and/or base pay. Stock option plans In Germany, stock option plans are only available for leading employees and German board members. These are usually in the form of phantom stocks, stock appreciation rights or convertible bonds (Ohle 1). At the moment of their exercise, these stock options are taxable.In German stock options are granted in two forms whose difference is primarily based on the tax treatment on them. Stock options in U. S encompass Non-Qualified Stock Options, Put Options and Incentive Stock Options. However, a great percentage of these stock options are not exercisable immediately and are non-transferable thus making it impossible to readily determine their fair market value. This implies that stock o ptions are not taxable when granted in the context of U. S (Patricia & David 127). Operational retirement provisionsUnlike U. S, Germany has operational provisions for its retirement pension plans through which employers make it possible for their workers to change some of their wages into retirement operation plans. This revolves around various models such as the assistance funds, direct insurance, pension funds and direct benefits. U. S lacks such provisions which are not bound to taxation. In German’s case, the most common retirement operational provisions encompass plans such as the 401 (k) and the cash balance plans (Ohle, 1).On a different note, the pension program of US was not made such as to offer old age insurance by itself while that of Germany is considered to be primarily a grant for a basic insurance. Thus private and operational retirement plans are very vital to American retirees unlike for Germans. Private retirement provisions In Germany, there are a social security programs to which employees’ payroll taxes account for half of the contributions while the employers contribute the other half.These include long-range nursing care, unemployment benefits, pensions and health insurance and are the four major German social security parts (Ohle 1). Other social security programs cover social indemnity catered for by the government and the accident insurance handled by the employer. The U. S system on the hand comprises of: the state program for children’s health insurance, supplementary security income, temporary assistance for needy families, health insurance for the disabled and aged, unemployment benefits, state grants for medical assistance programs (DOL 1).The U. S social system is majorly funded through payroll taxes and the overall program is divided into three main parts: survivors, retirement and disability insurance. Unemployment benefits The unemployment program in U. S is funded by the federal and state unemployment taxes paid by employers. Unemployment benefits in Germany are divided into two categories: the unemployment insurance (UI) applicable to previously employed workers who were insured during their tenure; and the unemployment assistance (UA) which comes after UI and has no time limit. The U.S unemployment benefit system differs from the one in Germany in that it covers a wide range of areas not covered by the German program (DOL 1). This is because the U. S program includes a self employment assistance package for the re-employment period, trade readjustment allowance, extended benefits, and assistance for the unemployment due to disasters. Heath care insurance The compensation and benefits program in Germany encompasses a mandatory contribution towards social security in terms of payments to the legal state health care insurance program.However, big salaried employees can opt to join a private health care system rather than the state health care system which is also considered a bene fit to some extent. On the other hand, U. S. has a different health care program known as the Federal Employees’ Health Benefits (FEHB) that enables eligible employees to be part of a group plan for health insurance (Patricia & David 131). U. S also has two other options contributing to health insurance unlike Germany. These include: life insurance under the standard additional and family options and the long-term care insurance paid for fully by the employees. Leave and public holidaysThe terms of employment in German usually include a minimum of twenty-four paid leave days annually for those employees working six days a week on full time basis and 20 days to those working 5 days a week (Ohle, 1). Public holidays however vary form state to state. This includes other paid and protected leave days such as sick leave and maternity leave. U. S on the other hand has different terms when it comes to leave and public holidays. For instance, the U. S Family and Medical Leave Act doe s not entitled employees to any leave provides for a job-protected 12 weeks unpaid leave per any twelve month period incase of care emergencies.

Islamic credit in Britain financial market and especially for the Islamic bank of Britain. The WritePass Journal

Islamic credit in Britain financial market and especially for the Islamic bank of Britain. Introduction Islamic credit in Britain financial market and especially for the Islamic bank of Britain. IntroductionAimWhat Is Credit CardHistory of Credit CardThe Credit Card In Britain  Credit Card System  Islamic Bank Of BritainLiterature reviewsJustificationHypothesisResearch MethodologyScopeLimitationsConclusionRelated Introduction I m aiming in my dissertation to built a model of Islamic credit in Britain financial market and especially for the Islamic bank of Britain. There is no Islamic Credit Card present at the moment in the Britain and the only Islamic financial institute is Islamic Bank Of Britain. My study is based on the Islamic credit cards which are prevailing in the financial markets of Middle East and Malaysia. Most Banks in Asia they been offering such cards based on deferred payment knows them (bay to the inah) concept which is later on been discovered as controversial, mock and totally against the Islamic law (Shariah). As for as Shariah is concerned most of banks in Asia have their own Shariah compliance tribunals for decision-making but I know the problem was that at same Time most of Shariah boards to were adverse opinion on the same subject matter. These But all of solutions providing by these Asian banks to were not compatible according to the Holy Book Quran Said By the â€Å"Bankers from Middle East†. While in the Gulf countries banks have new plans to access the Muslims believes and offering them credit card. Their approach is very seemlier to principal and granter, or guarantee based system. My financial model will carry out the religious and financial prospective both at the same Time. This model may also have loads impracticabilitys as for as adoption by the Islamic Bank Of Britain or their might be I know much complex procedures required. Aim I am aiming to construct, regarding Britains Islamic bank Islamic credit cards financial model and especially for Britains financial market. The goal follows on somebodys heels is the academic lecture core goal. To finds out credit cards effect according to Islamic law (Shariah)   regarding the payment pattern. In the British appraisal credit card market as well as may Muslims use these card. May provide credit cards reliability and the effect in the market revelation Islamic. What regarding uses in Islamic credit cards appropriate model existence these concept use aspect in credit cards function finding out the latent Islamic principle credit card is? What Is Credit Card The credit card possibly is defined to arrive invariable compensation card that to propose may to purchase cardholders credit specific quantity which and pay the flowered amount. Outstanding widespread balanced, in is assigned in the time is may pay, or the interest will cause on surplus balanced. (Paxon and five, 1998) History of Credit Card The credit card systems first type is developed in the US. Later in 20 centuries at the beginning, will use in the metal plate to the Western Alliance and other financial institute recording the customer detail and the account. The FlatbushState bank introduced its monthly allowance account bank accountholders in 1947. In 1951, the FranklinState bank was issues credit cards first financial institute to other bank customer. (Lindsey 1980). the diners club issued in 1950 the first modern credit card, and was called the travel and the entertainment (T E) card. The US express followed the visitor who ate meal to club and to provide in had the credit period characteristic between the expense and the payment for the credit card 1958, but did not have the partial payments facility. (Wonglimpiyarat 2005) the national credit card first developed and allows it to stretch across Earths other banks in 1966 from the American Bank. Will become all things as for the result rival by later to result in the card between the bank and the main charge name which will provide is joined. (Frazer 1985) The Credit Card In Britain Barclays issued in 1966 the first credit card in the agreement later by the American Bank. Barclays imports all facilities and the structure in Britain revises the American Bank operation. (Wonglompiyarat 2005)   Credit Card System The visa, the switch and Master manage under the four directions plan. These all transactions through the plan involvement are four main parties; Holder of   the card, through the use of   card, pays the payment, The card publisher, provides the card to the user, and runs the trading account, The retail merchant, sells the goods or the service back-spacing promise for the payment. Merchant acting as a purchasing agent, the absorption retail merchant, obtains from the card publishers payment and the repayment gives the merchant. They have frequently with the merchant, but its Relations; does not force.   Islamic Bank Of Britain Islamic Bank Of Britain is only Shariah the obedient financial service authority (FSA) authorization financial institute in Britain. It started its operation and located at three British various cities and the branch in 2004 in London and the main office in the Birmingham. Other Islamics bank, I elect likely the bank goal also will provide the choice for the regular mechanics of banking through to avoid interest (Riba) and definitely to maintain the money only spends at the moral enterprise. At present the bank expands its product rapidly and serves two pair of current finances and the banking industry crisis, the Islam community in Britain, the availability non-interest credit card, in massive the growth Islamics mechanics of banking, chooses the choice modern mechanics of banking product and the service, the integrated Islamic financial concept is looking like Lloyds TSB modern bank neutral HSBC and is not voluntarily the high interest rate strong existence rule credit card. (www.i slamic-bank.com) Literature reviews In today’s society the credit card uses the achievement to pay money a basic way. Has to credit cards various uses for example payment, the Credit facility, the cash advance easy way and as for the status symbol. Presented the payment proposition money value way compared with Islamic credit card and the conventional credit card, has various questions which a lower penalty spends, provides free bonus year after year, a fancier look and the proposition expense gives up. (Ma Sum total Billah 2001). Islam permission use credit card, because it does not incur the interest, and at the same time it does not violate Shariah any rule. (Ahamad and lake huron 2002). Whether I did know the credit card service only pays the main amount as for the user to add on operates and the overhead charge credit card, the financial entry is permitted, because it does not involve any kind in the Islam the element benefit which forbids. (in el Azura 2006). The use to pays money other way credit cards ad vantage for the purchase, the cost effectiveness, the security and the world acceptability is easy to use. (Mohammad 2003). Justification In the Middle East and Malaysia the method which discussed, anticipated financial model and gift payment method and religious belief flaxen cloth. The research possibly completes the explanation, but is may be the description possibly takes the bank with it to this domain research union important work. Hypothesis The hypothesis has the limited research in the region Islamic credit card in Britain. (2007) the Shah pale research which and the discovery conducts has in the human limited aware about Islamic credit card. Mohd (2008) has identified influence Islamic credit card usage several factors for them. Had has developed following three hypotheses; H1: Technical and the function services quality has to immediate influence Islamic credit card user. H2: The religion has positive influence to the usage of Islamic credit card. H3: The culture is directly affects Islamic credit cards choice, the usage and satisfaction. Research Methodology The research methodology based on secondary data heavily. My research may use to the bank website in the Middle East and Southeast Asia and various origin together for example article, the research, the journal and the book. Other origins and insure London including on-line Islamics institute mechanics of banking, the Middle East banker magazine library Islamic finance (www.maktabonline.com), journal and complete other on-line resources. Because appears self-confidently in the promiscuous method has the research qualitative and the quantitative method mix. Except that beside further studies may be appears to the possibility to it with the current research findings. Scope Core goal, if the research is the development to the financial model Islamic credit card Britains Islamic bank. Bank possibly for theirs credit card research applications research at that time credit card in theirs stock list, but its long waiting. The report will also highlight the key question for example in massive the general manner, the belief and the perception about the non-interest Islamic product and the service option and the usage. The report is willing in the modern day mechanics of banking also to show the convention mechanics of banking system choice and Islamic financial concept integration, and, when result trend toward mechanics of banking Islamic way. Limitations Limits all hates diligently, the research has the loading limit. First it is limited Islamic the credit card and Britains Islamic bank. Next, the sample will be small, and will not provide to the population overall picture. It will concentrate mainly signs in upon arrival at work a broader picture in the merchant, because of it True s stemming from found individual the control use Islamic financial organ. Also the will did not think that perhaps the religious responder and it neglects to the Islamic financial service Islam users great proportion. Conclusion What the conclusion Islamic Bank of Britanavoids establishing likely is the regular mechanics of banking provides chooses other Islamic bank interest (Riba) and definitely maintains the money only spends at the moral enterprise. Two pair of current finances and banking industry crisis, the Islam community in Britain, is not the availability strong existence non-interest credit card, to chose the modern mechanics of banking voluntarily in massive, Islamic financial concept integrated choice in has looked like HSBC in the modern bank, and a higher interest rate in the regular credit card, there was in the non-interest giant hidden growth potential sum

Free Essays on Happiness; Plato Vs. Aristotle

Webster’s Dictionary defines happiness as, â€Å"an agreeable feeling or condition of the soul arising from good fortune or propitious happening of any kind; the possession of those circumstances or that state of being which is attended enjoyment; the state of being happy; contentment; joyful satisfaction; felicity; blessedness.† Many attempts have been made throughout history to better define the word happiness, and the two best-known philosophers of Antiquity, Plato and Aristotle, spent much of their studies on the subject. Both men felt that happiness was an important factor of life. Plato argues on behalf of a life of justice leading to happiness while Aristotle argues that happiness is â€Å"the good† for man and the end goal of humanity. This paper will discuss the arguments of each Philosopher using the arguments posed in The Gorgias by Plato and the Nichomachean Ethics by Aristotle. In the opinion of Plato, the just life is its own reward, and he offers three basic arguments to prove this theory. Plato writes of a conversation between Socrates and Polus in The Gorgias. In this selection Plato utilizes questionable definitions for certain terms such as â€Å"happy† being defined as â€Å"admirable, or just, and good† and â€Å"miserable† being defined as â€Å"wicked or unjust†(G. 470e). First, Plato defines being happy as an attribute of being admirable and good. Using these definitions Plato can adjust his wording to show that â€Å"admirable† is opposite to â€Å"unjust† and therefore prove initially that an unjust person cannot be happy. Next, he approaches the topic of whether a person of great power can be happy and unjust, which, by Plato’s definitions is impossible, with the example of King Archelaus and his unjust activities (G. 470d – 471a). Plato shows through the conversation that having g reat power does not ensure happiness because one who has great power is not necessarily just. Using this example Plato ... Free Essays on Happiness; Plato Vs. Aristotle Free Essays on Happiness; Plato Vs. Aristotle Webster’s Dictionary defines happiness as, â€Å"an agreeable feeling or condition of the soul arising from good fortune or propitious happening of any kind; the possession of those circumstances or that state of being which is attended enjoyment; the state of being happy; contentment; joyful satisfaction; felicity; blessedness.† Many attempts have been made throughout history to better define the word happiness, and the two best-known philosophers of Antiquity, Plato and Aristotle, spent much of their studies on the subject. Both men felt that happiness was an important factor of life. Plato argues on behalf of a life of justice leading to happiness while Aristotle argues that happiness is â€Å"the good† for man and the end goal of humanity. This paper will discuss the arguments of each Philosopher using the arguments posed in The Gorgias by Plato and the Nichomachean Ethics by Aristotle. In the opinion of Plato, the just life is its own reward, and he offers three basic arguments to prove this theory. Plato writes of a conversation between Socrates and Polus in The Gorgias. In this selection Plato utilizes questionable definitions for certain terms such as â€Å"happy† being defined as â€Å"admirable, or just, and good† and â€Å"miserable† being defined as â€Å"wicked or unjust†(G. 470e). First, Plato defines being happy as an attribute of being admirable and good. Using these definitions Plato can adjust his wording to show that â€Å"admirable† is opposite to â€Å"unjust† and therefore prove initially that an unjust person cannot be happy. Next, he approaches the topic of whether a person of great power can be happy and unjust, which, by Plato’s definitions is impossible, with the example of King Archelaus and his unjust activities (G. 470d – 471a). Plato shows through the conversation that having g reat power does not ensure happiness because one who has great power is not necessarily just. Using this example Plato ...

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Accreditation Audit Essay Example for Free

Accreditation Audit Essay A1. Evaluation Nightingale Community Hospital (NCH) is committed to upholding the core values of safety, accountability, teamwork, and community. In preparation for the upcoming readiness audit, NCH will be launching a corrective action plan in direct response to the recent findings in the tracer patient. Background information on the tracer patient is as follows: 67 year old female postoperative patient recovering from a planned laparoscopic hysterectomy turned open due to complications. Patient developed infection that formed an abscess and was readmitted to the hospital for surgical abscess removal and central line placement for long term IV antibiotics. The tracer methodology was employed when auditors reviewed this patient’s course. Many things were done well and right with this patient and NCH is pleased to know that the majority of items analyzed with this patient proved that NCH was in compliance with regulatory standards; however, there were some troublesome areas that we need to focus on. The primary focus area that we will put our energies into will be the fact that there was not a history and physical completed on the patient within 24 hours of admission, and in fact it was greater than 72 hours before one was completed. See more: My Writing Process Essay The Joint Commission mandates standards that are to be met in order to maintain compliance. Standard PC.01.02.03 states that history and physicals must be documented and placed in the patient’s medical record within 24 hours of admission and prior to procedures involving conscious sedation or anesthesia. History and physicals are also considered in compliance if documented 30 days prior to procedures as long as there are no changes documented or the changes in status are specifically noted. (Joint Commission Update, n.d.) A2. Plan Often, rules and regulations are met with disdain and it is usually because there is no explanation provided as to why the rule exists. The rules for History and physical documentation are in place for a reason and are not just to make things more complicated. History and physicals provide  all health care providers that participate in a patient’s care a glimpse into that patient’s health status and immediate concerns. (Shuer, 2002) The information provided in a history and physical paints a portrait for all other health care team members to follow and treat accordingly. Often, emergent situations may arise where other health care specialty providers may not have the time to glean medical background information from patients and/or their representatives and the history and physical then serves as the go to source of information. Compliance regulations can be hard to understand the reasoning behind them sometimes, but if we all work together to make sure that we meet them, then NCH will continue to embrace the core values that we have worked so hard to instill and embrace. The following outline is a corrective action plan that will ensure compliance with the Joint Commission and bring us up to par for the readiness audit. Action Accountable Parties Timeframe Measurement History and Physical Physicians physician assistants 1. Within 24 hours of admission. 2. Within 30 days prior to a procedure involving conscious sedation or anesthesia. Chart reviews and if requirements are not met, patients will be held in the surgical admitting unit and procedures will be delayed. There must be 100% compliance. B. Sources Joint Commission Update Study Guide. (n.d.). Retrieved August 31, 2014, from med2.uc.edu/libraries/GME_Forms/Joint_Commision_Upd_1.sflb.ashx Shuer, L. M. (2002). Improvement needed on hp documentation. Medical Staff Update, 26(5), Retrieved from med.stanford.edu/shs/update/archives/May2002/chief.html