Insurance in 2020

INSURANCE 2020 – THE PATH AHEAD Introduction Insurance is a social device which help the public to transfer the risk which is integrated part of the human life. It’s been years this term called insurance generated. Now one of the most emerging and greening sector in India is insurance. The needs and preference of a customer is changing day by day. The people are more aware about the need for diverting the risk to a third party by taking insurance. They also consider insurance as an investment. Now day’s insurance companies are following certain marketing strategies. It includes understanding needs and preference of the customers by conducting marketing research and customizing the products and services to the benefit of the society. The companies follow different retail and wholesale distribution channels to reach the customers. Agents, Bancassurance, Brokers and others are some of the distribution channels which prevail in the current market. This paper talks about considering the current facts and features of insurance sector in India, what will be the insurance scenario in 2020. It also talks about upcoming marketing strategies and distribution channels in 2020. Objectives of the study †¢ Primary Objectives o Identify the major changes in the Indian insurance sector on a road to 2020 †¢ Secondary Objectives o Analyze the consumer perception of insurance how it can be tackled by the insurance companies in the upcoming future o Identify the future marketing strategies of insurance as a business in 2020 o Identify the distribution channels of insurance in 2020 and how the features are differentiated themselves from the current distribution channels Research Methodology Descriptive research method is followed in this study Change in Indian insurance industry by 2020 Indian insurance is expected to be going through a significant change of 70% as per the survey conducted by IBM insurance 2020 survey 2006. Among the 30 samples taken 30 % states that insurance industry will be having an incremental change of 30 % by the end of 2020. [pic] There are some reasons for saying that the Indian insurance industry will be facing significant change. The customers are living in era of latest technology and advanced services in which customers are treated not as king, he is the god which decides the existence of a company whether it deal with products or services. If the business fails to please their lord i. e. customers then there won’t be any existence for that particular business. Because of the latest technologies strengthening the demand and bargaining power of customers the customers are active and well informed about the services that they can get from the insurance companies. Another reason would be the increasing competition among the players in Indian insurance sector. Each company is trying to get a competitive edge over other companies by giving most importance to the word ‘Innovation’. The companies can’t run their business without innovation because all the businesses believe in ‘survival of the fittest’. And more over the customer wants the companies should predict their needs and preference well in advance and to serve them. Last but not the least people consider insurance as a strategic investment in life or we can put forward like people consider insurance as life time planning which starts from cradle to graveyard. Now it’s time for us to think about the upcoming trend of Indian insurance industry in the coming years. The ultimate users of the insurance services are people. When companies target people for selling or marketing of insurance they will think only think about their demographic characters like age, income, family etc. But classifying the customers as per their demographic characters and social characters may not help the insurance companies to survive for future. Insurance companies need to further classify the people into innovators and non innovators. Innovators are the people who buy the product or service as and when it reaches the market. Innovators are early buyers of the product. Non innovators are late buyers. Now the point to be discussed is what is the relevance of innovators in a service sector like insurance and why people should buy insurance policies or plans as and when it reaches the market. As I mentioned earlier insurance policies are good stage for strategic investments. When a share or a fund of a blue chip companies are announced in the market, people would be demanding those funds even if it is not there in market. In future most of the companies would be designing their insurance plans as a strategic investment plus risk covering plan, so such companies would targeting high growth funds or shares. So when an insurance company launch their new insurance products in market they will be targeting innovators. Another reason for targeting innovators is that the people who are in the category of non innovators would seek the advices from innovators during purchase of services since innovators are opinion leaders in the market. Another important trend that, the insurance sector would be mostly adopted the concept of virtual office in terms of physical presence. The technology is so updated, now it self a consumer can avail the facilities of insurance companies through the use of internet. Another reason for this trend would be increasing the number of insurance companies in the market. This also will pressure the companies to fully adopt the concept of virtual insurance. The insurance companies in 2020 will be targeting a modern value chain which is the collection of process and services that are linked together to create, develop, sell, deliver, process and service an insurance policy over the life of the contract. It would be hard to find the paper documents or trend of e-documents are no longer away from the insurance market in 2020. The insurance products that is going to capture the markets would be rather known as insurance packages which would cover all the risk of a human being in his life time i. e. once if he is taken an insurance plan it will cover all the risk till his death and investment requirements. The insurance products in 2020 would be concentrating on the concept of ‘Just in Time insurance’ as a person moves through set of spaces. Each stage of his life would be consisting different set of spaces. The new insurance package policies would be concentrating this set of spaces in human life. Insurance sector is one of the mostly regulated sectors in India. The economic crisis which struck globally will be forcing the IRDA and other regulatory bodies to come out with more rules and regulations especially in the foreign institutional investments and foreign direct investment. In 2020 the barriers in availing facilities of insurance with in the boundaries of the respected country, would be started to change since the insurance sector itself demands the emergence of a globally accepted standard of global insurance bodies. Another important thing that we can see sometimes before 2020 would the concept of ‘risk – to – opportunity’. Climate change is big question mark for the insurers. We can see a trend of insurer responds to climate change also. Considering the carbon trade and green business development project the insurance sector can’t close its eyes towards the natural environment. The insurance packages that are going to be prevailing in the insurance market will have certain features. It would a socially enabled product which would be designed to market through online word of mouth. It would also concentrate the concept of a mass produced, multi – component pre-packaged one click solutions which will find a gap in the market place. These packages would be allowing plan conversion exchange which would allow people to convert defined contribution assets into income for life through making into annuities. Another important point to be discussed is that considering the latest technologies that is going to be adopted by the insurance scenario in 2020, most of the insurance companies will have direct tie up with software companies for the use of Information Technology [pic] Marketing strategies of Indian insurance sector in 2020 Indian insurance marketing strategies mainly concentrating on the concept of CRM i. e. customer relationship management. Since insurance sector concentrating on the societal and demographic features of customers, future CRM would be all about creating online communities of customers via emerging social media, such as face book, twitter and similar websites. The companies will take initiative to create such communities which will increase the customer handling efficiency of the company. Another strategy that the insurance companies started to adopt is 80:20 principles. It means retaining the customer who contributes to the majority of the business and serving him as the primary customer. Concentrating in the existing customers will help to get business through cross selling and reduction of the acquisition cost of a new customer. Another trend in the marketing strategies adopted by insurance would be based on the concept of ‘being with the customer’. For example if there is an insurance policy for a corporate is being taken, while providing statements and newsletters the insurer include success stories and pictures that people in that particular corporate works. The future climate of insurance will be forced to emerge new distribution marketing strategies. We can see different strategies for each distribution channels. Banks have long established programs and accounts for ‘young savers’, and have made available courses on handling credit for teenagers. In the future insurance arena, a similar program might involve school presentations on the mechanics of risk, or, rather than the typical sponsorships of sports, taking a logical next step with youth organizations. These kinds of steps include activities such as insurance sponsored clubs which will tune the kids mainly in the concepts of risk management and practising safety in their environment where they interact most. One another strategy would be different approaches to people who have different demographic characteristics. For example, old aged customers can be approached with statistical details and promotional campaigns while the younger group prefers the carries like orkut, face book and other online communication devices. The trend show like more and more consumers are increasingly disenchanted with mass marketing and seek individual attention as well as customization of their customer interactions. The next generation of risk management is one where the focus is not on simply mechanizing the processing of data, but on modelling and automating the smart processing of risk information. The upcoming insurance industry is going to take advantage of social technologies in two ways, like first would be empowering the agents to take advantage of social media as their CRM systems. It is the best way to reach the customers with common interests, while the other is connecting with people engaged in similar occupation. Second would be the extreme widening of products and services. Innovative thinking needs to be built in existing products around their social ability and connectivity. The life insurance business has innovated in less obvious ways by combining coverage’s and adding flexibility to standard coverage’s. Life companies need to attack the oft-quoted maxim that ‘life insurance is sold, not bought’ and overcome the negative perceptions that plague this industry. Change in the distribution channel and their features Insurance companies have got different distribution to reach the customers. It would include agents, brokers and Bancassurance. The upcoming trend in case of distribution channel has to be compared with each of these levels. An insurance agent is a person who identifies himself and the insurance company of whom he is an insurance agent. Earlier insurance companies were used this particular distribution channel, they only require people to sell their products. Now days the trend of insurance companies is selecting the agents changed because these are the persons who represent the company in front of the public. By 2020 the concept of virtual office would come into play. And any person named as agent, he would be having information not only about the product, he will be an expert to advise the customer about how to do the strategic investment and investment options etc. The insurance marketplace is undergoing a transformation that may eventually lead to significant changes in how consumers purchase insurance products. A variety of distribution channels are currently used in this market place and some insurers utilize a combination of distribution channels. In terms of Bancassurance when the insurance products are sold as a third party products along with banking products. In the new era it would be in a relation with the banking product which functions jointly. Another important trend that you can expect from the market would the concept of ‘hyper –efficient direct distribution model’. This concept would be working the idea of super low cost of solution. Now days when the insurance companies are using the multiple distribution channels to reach the customers, the cost associated with this purpose is increasing. Because of the non-traditional competitors have much lower distribution costs than insurers, insurers face intense pressure to operate more efficiently. Distribution costs are one of the largest expense items associated with life and annuity policies. In the upcoming years we can see the trend of an emerging hyper – efficient distribution model which works on low cost. Change in consumer perception of insurance Indian consumers have big influence of emotions and rationality in their buying behaviour. There are certain factors which are going to be very crucial in 2020 in terms of buying behaviour of insurance. They are: †¢ Company loyalty †¢ Services quality †¢ Ease of procedures †¢ Satisfaction level †¢ Company Image †¢ Company Client Relationship Initially the Indian insurance sector was in the major hands of LIC. The people didn’t have a second name or second thought to think from where they should take the insurance plan or policy. Now the trend is changing. The main proof of the change is that the monopoly entertained by LIC was started to capture shares by other private companies. The private players are also able to provide the services and they are also able to generate the trust as LIC could create among the mindset of people. The private companies pitch the products in such a way that it was more acceptable to the customers. For example, One of the promotional objectives designed was to create a feel good factor around retirement and change customers’ perception of retirement as a mark of old age and loss of financial independence. Today’s behavioural patterns are different rather than the traditional ones, but still predictable. The concept of predictive analytics as applied to consumer behaviour follows reaction to control triggers (like marketing campaigns) and thus allows companies to manage their customer portfolio into an optimal spread on a value/ loyalty matrix. The consumers are expecting an insurance product/service like a direct sale of mid market lifetime income solution with a lower premium which also helps to invest for future purpose. Challenges of Indian Insurance Sector on a road towards 2020 One of the big challenges that are going to be faced by 2020 would be estimating local market potential for insurance products is continual challenge for the insurance industry. One solution for this big challenge would the concept of ‘insurance CLOUT’. Based on the actual purchase patterns, the idea like insurance CLOUT provides the most reliable local estimates for all type of insurance products and includes key detailed information like household counts, policy deductibles and premiums. Insurance CLOUT includes both current year estimates and five year projections for all of the data provided. Insurance CLOUT helps you to focus the marketing strategies of a business. It’s an indispensable tool for numerous marketing applications like †¢ Allocating market dollars against market potential †¢ Estimating potential for specific products within local markets †¢ Identifying high opportunity areas †¢ Measuring agency performance relative to market potential This idea also helps to assess the key market potential data for insurance companies. Conclusion The study was trying to give some information about the picture of insurance preferences and features in 2020. It identifies the factors that are going to be very crucial in terms of consumer buying behaviour with respect to insurance. The marketing strategies and distribution channels are also tried to portray considering the big limitation of the uncertainty of future. The study states that as time passes insurance sector in India will be undergoing through changes which can be giving a new face for the Indian insurance sector in 2020. As the insurance industry will be facing difficulties along with the rest of its financial services brethren to operate in the current global recession, it must consider the actual value of true innovation. No insurance business can’t exist in business in the upcoming future with out innovation. Innovation can come in the form of modified process, new business models, distribution channels and simple organizational changes. Innovation with out knowing the consumer buying behaviour would be fruitful. Creating innovative products like energy savings insurance, innovative renewable energy project insurance products, green building insurance and insurance for developing world (Micro insurance) would help the insurance companies to smoothen their road towards 2020. In the upcoming trend of insurance will be focusing on ‘pay as you live and active risk management in which active risk management means where proactive actions are taken to reduce total impact of risk. REFERENCES: †¢ Insurance 2020 – Insurance beyond old models by IBM †¢ Ceres report ‘From risk to opportunity’ 2008 by Evan mills [pic]

Athlete Classification

Athletes: the Good, the Bad, and the Ugly As a casual reader of the sports section of this newspaper, you come across many articles depicting the triumphs of local athletes. However, very rarely do these articles describe the actual athlete behind the success. Athletes come in all sorts of sizes and shapes. They range from the incredibly talented to the horribly uncoordinated. Some are great teammates while others would rather be a one man team. Certain athletes seek out attention from the people around them while others are modest and stay in the background.The fact of the matter is that there is a wide spectrum of different types of athletes that exist in this world and no two athletes are exactly the same. However, each can be put into one of nine general categories that they best fit. General Paton: the athlete who stands out as the captain of the team by helping their fellow teammates and managing their team. They are a well-rounded athlete, fairly skilled at their sport, but mo re importantly excellent at inspiring their team to perform to the best of their ability. This athlete is the backbone of the team and without them chaos could quite easily break out.The other athletes look up to this leader and follow their orders. When your team is losing, the leader is the one who gets everyone together and says things like â€Å"We can still win this† and â€Å"Don’t give up yet, we’re still in this one†. You can expect to see these athletes to do great things in their sports careers and in their regular lives. Effort King/Queen: the athlete who is known for doing everything they can to improve their game, from staying after practice to do extra to going to the gym every day before practice to workout. They are extremely motivated, determined and dedicated to what they do.These athletes are the ones that coaches very much want to be on their team. These players are known for being highly beneficial not only to the team’s succes s, but also to the other players around them. They set a great example for others around them and can leave a lasting mark on people. They may be referred to as a â€Å"gym rat†, but don’t think that’d a bad thing because when it comes to game time, don’t be surprised if they outperform the opposing team’s â€Å"star† player. The Natural: the athlete who was given the gift of natural athleticism. They are known as the â€Å"MVP† of their team.Most often, they are three sport athletes who do pretty well in each. They don’t have to work as hard as others to be able to have relative success as they are often naturally strong and talented. Many other people loathe these athletes because they have all the tools they need to succeed. There is no guarantee that these athletes will be good teammates or have good work ethic, but coaches can be assured that these people are a great place to build upon and make a team around. The Anti-ath lete: the athlete who was not given much natural ability. They are weak, uncoordinated, and clumsy.They can get by playing some sports, but they have limited options as most sports require decent athletes at a competitive level. They are the â€Å"benchwarmer† of teams, the weak link in the chain. Other athletes get easily frustrated with these players when they make mistakes even though it may not be entirely their fault. Although their athletic output may not be as high as some would like, no one can question their effort and dedication. They play sports not because they are good at them, but because they truly love them, and in some cases, that can bring someone further than natural talent. Timmy/Tina Tries Too Much†: the athlete who â€Å"overworks† and goes beyond what’s necessary in unimportant situations. Everyone has seen at least one of this type of person before, whether they know it or not. The most common place to find these types of people is in gym class. They are the ones that you see coming to every class and trying as hard as they can to win. Many people don’t like these people too much because they exert themselves in unnecessary situations. Many times, these people develop a poor reputation as a â€Å"try hard† among their friends.They may not be the most talented person there, but you can always count on seeing them breaking a sweat. â€Å"Sammy/Susie Suck up†: the athlete who does everything they can to suck up to their coach. They try to get all the brownie points they can in hopes of getting more playing time. They follow all directions given by their coach, they help out whenever possible, and they give full effort when the coach is looking. They are very similar to a teacher’s pet that you would most commonly find in elementary school. Much like the other students find these eacher’s pets to be annoying, a coach’s pet’s teammates often think that these people a re annoying and not fun to be around. â€Å"The Tornado†: the athlete who is overly aggressive when playing sports. They are known to push other players around and often get in trouble with the ref. Also, they are a coach’s nightmare as they are hard to control. The athletes aren’t always good to have on a team because they give the team a bad reputation and make it seem as though everyone on the team plays like they do. Also, they are much more prone to being benched and as a consequence, letting the rest of the team down.Many times, other athletes don’t like participating with people like this because these aggressive people take the fun out of competition. .The Crowd Pleaser: the athlete who likes to show off in front of their fans. They wear the flashy equipment, they perform the crazy stunts, and they are the cocky personality in the locker room. To give you a clear picture of this kind of athlete, just imagine the player that has the best gear, the flashiest jersey, performs the â€Å"coolest† moves, and seems to put on a show for their â€Å"fans†.It isn’t uncommon for their teammates to call them a â€Å"show boat† right to their face. But that doesn’t stop them from doing what they do best because they thrive on the attention. Garbage Can: the athlete who throws away their athletic abilities and coasts. They are lazy, unmotivated, and not dedicated at all. They may be one of the best athletes around but they don’t apply their abilities. Everyone knows at least one person who completely wastes the natural talent that was given to them.It’s a shame to see these athletes waste talent when there are other athletes with considerably less talent who work twice as hard. Many people don’t like these athletes because they take their abilities for granted and don’t realize that half of the battle towards being successful in a sport has already been fought for them. All th ey need to do is put in just the slightest bit of effort and they will start to see considerable success. In most cases, these athletes are looked down on by others and carry a negative connotation with them everywhere they go.There is a lot more to a team’s success than just the wins. The players involved are what really define a team and they ultimately determine how successful a team can be. You don’t always need a team full of superstars to win. This is where many sports coaches go wrong. They think they can build a championship caliber team from a bunch of players that would rather prove they are good than their team. It’s important to remember that it takes the right combination of these nine types of athletes to make the perfect team.

Bigfoot: in Search of the Truth Essay

Bigfoot is, without a doubt, the most recognized mystery in all of North America. The apelike being has reportedly been sighted thousands of times since the beginning of the 19th century. According to eyewitness testimonies, Bigfoot, also known as Sasqautch, is a gigantic beast that towers in at eight feet tall and weighs as much as six hundred pounds. Reports also say that the monster’s form is well built and usually covered in a thick, brownish fur. Many have asked if such a creature could possibly be roaming through the wilderness of North America and around the world, and the answer is yes. The amount of evidence supporting such a creature’s existence is astonishing. From footprint casting and fur samples to video evidence and numerous human sightings, Bigfoot’s existence cannot be doubted. There are three pieces of evidence supporting the existence of Bigfoot, the first of which is the thousands of eyewitness accounts. The first recorded sighting occurred in 1870 near a small town in California. The town newspaper, the Antioch Ledger, reported that a â€Å"gorilla man† or â€Å"wild man† had been sighted in the woods near the town. The paper deemed it unsafe to travel outside unless absolutely necessary because of the beast. Next, in 1901, a lumberjack on Vancouver Island reported seeing a â€Å"man beast† washing itself in a river near his base camp. The courageous lumberjack decided there and then to approach the beast and confront him. The strange â€Å"monkey man† quickly fled, though, as the man approached the river. Upon examining the tracks left behind, the lumberjack concluded that the prints were almost identical to that of a human, except for the extremely large size. After the incident, many reports began pouring in from the Vancouver area of Canada. The residents of the area became well aware of the existence of a very elusive creature in the area, and it was they who first coined the term Bigfoot. By 1960, thousands of reports on the existence of Bigfoot flooded in from all over the United States. The sightings usually occurred in mountainous, woodland areas near rivers and streams. Many thought that those who claimed such things were crazy, but it was at this time that the inevitable happened: Bigfoot was captured on film. On October 20, 1967, Roger Patterson and Bob Gimlin, two Bigfoot researchers, were horseback riding in the dried river bed of Bluff Creek in Northern California. It was an area with an extraordinary number of sightings, but the two did not believe what they saw next. There before them, kneeling in the dried creek bed was Bigfoot. The creature spooked the men’s horses which forced them to dismount. They quickly grabbed their video camera and started filming. The beast slowly stood up, looked around, and then proceeded to stroll off into the woods. The film was soon released to the press and caused quite a commotion around the world. Researchers quickly arrived on the scene and found that the sequence of events had happened just as the tape had shown. Studying the film, it was also concluded through the creature’s movements, that its neuromuscular system was of something not human. Furthermore, it was determined that human reenactment was not possible because a suit so sophisticated and detailed could have been made by only two manufacturers in the United States, but both companies denied all allegations against them (Bigfoot). After the study was concluded, there were still many skeptics on the whole ordeal. These skeptics have suggested that the first two pieces of the puzzle are not enough to prove the existence of a new type of creature. The numerous stories and reports are believed to have been made up and the video footage faked. There is evidence that cannot be ignored, though. That evidence is the physical remains that have been collected over time. This physical evidence includes footprint castings, and samples of fur and feces, all of which have been found to be something not known to modern science. According to many experts, including Dr. Henner Farenbach, director of the Oregon Regional Primate Center, the collected evidence supports the existence of an animal that has not been classified scientifically. He also states that every specimen from over the last 60 years is nearly identical to the next, making the theory of Individual pranksters responsible for a hoax nearly impossible (Sasquatch FAQ). Besides this fact, tracks studied by researchers from institutions, such as Washington State University, Ohio State University, Yale, and even the University of London, have been found to follow the law of the Gaussian Distribution of Weight. This means that the footprints have a life-like shape and the distribution of weight over the print is correct. All of these facts are bittersweet though, since sample specimens have nothing to be compared to since no actual creature specimen has been collected. It can be concluded, however, that these remains did not come from any animal currently known to modern science. Bigfoot’s existence can no longer be denied. No longer is it a question of Bigfoot being real, but rather a question of man’s capability in being able to believe the truth. The facts cannot be mistaken. Besides being seen time and time again, video footage has been collected. This alone is enough to make many believe, but for the rest, the physical evidence is unmistakably real. As the theory progresses, more and more credible researchers come forward to show support in such a creature’s existence. They do this at the risk of losing their own credibility. None, however, are capable of an explanation for Bigfoot’s uncanny ability to remain hidden from human observation, the nature of which remains to be a question. Perhaps, though, as more and more people start to believe in the truth, questions will be answered and the mystery solved.

Journal 4 Assignment Example | Topics and Well Written Essays - 250 words

Journal 4 - Assignment Example Ms Kim Eunja and her husband are amongst the sufferers who are scared of returning because of the risks posed by the radiation. Many villagers like Ms Kim do not wish to return but they explain that they do not have any option left. This is because the government has declared that after next March, evacuation of the temporary residence provided to these villagers as well as the monthly stipend that is being given to them would end. Furthermore, the compensation for returning and for rebuilding their homes has just been set to half the worth of the property that existed before the accident. Also, it has been announced that the people who would return earlier would be given an additional bonus worth nine thousand dollars. The steps of the government and the nuclear power plant industry have been criticized by Mayor Yukei Tomitsuka under whose jurisdiction the village of Miyakoji lies. He has argued that injustice is being done against the villagers who should be provided with a better compensation. Despite of these complaints, there has been no offer made by the government and the nuclear industry as yet. The villagers feel that they are being forced to return to Miyakoji without the negative aspects being considered and compensated

Legal and Ethical Considerations Research Paper Example | Topics and Well Written Essays - 750 words

Legal and Ethical Considerations - Research Paper Example The document is significant because both the contractor and the client  are protected  in terms of legal and ethical issues. Contracts  provide  terms and conditions that are either verbal or written (Susan and Katherine, 2000). In this context, we  review  how conflicts arise due to disagreements between the client and the contractor whereby part of the  crucial  details  has been omitted  in the contract documents and; therefore, this eventually affects the  progress  of the intended project. In the project, that  is intended  to help the community and the hospital by the provision of water supply whereby a water reservoir is to built, the contractor and the management team of the BAMC disagree on the ongoing  project  of  reservoir  construction. The disagreement occurred because the location of the reservoir  is situated  on  hard  granite rocks that require  expertise  and heavy machinery to blast the rocks before construction  i s commenced. ... Some of the mutual solutions that the contractor and the management team decided include the relocation of the reservoir site. The  reservoir  is supposed  to help the community and the hospital; therefore, the location should be at a central location. On the other side, if the  entire  location  is composed  of the hard rocks, then the  management  personnel of BAMC should reconsider the  compensation  of the contractors because the rocky  place  will require heavy  machinery  for blasting the rocks and this may be quite  costly  to the contractors. For a  consensus  to be achieved, both parties need to  comply  to the need of the other so that no  party  feels oppressed. A matter of  vast  concern  to contractors is how they can  make  stability  between quality and  security  against expenditure. Contractors  want  to  plan  a product that is of high quality but the  business  administrators  want  to  maintain  a low cost in the expense of quality product. At the end of this, various issues, which include business, official, and ethical issues, arise (Creswell, 2002). The  business  matters evolve around what organizations must do in order to  compete  in the business sector. The officially authorized and  moral  issues centers around what the organization should do. The contractor has a legal  responsibility  to  grant  safe  services and products. However, the contractor is legally responsible only for contractual  indemnity  and not for any additional destruction that the client may incur.  Although if the contractor commits fraud  deliberately, then he or she may be criminally  accountable  for the fraud committed. There are  various  challenges that are facing

Ecology Case Study Example | Topics and Well Written Essays - 250 words - 1

Ecology - Case Study Example The expected time of extinction is approximately 1400years. 6. What would T(N) be for the killer whale population at its largest and smallest sizes? If a population grows just by chance, does this mean that its prospects for long-term survival improve? Assume that the sample standard deviation of r in the spreadsheet accurately estimates the underlying value of S. 7. If this were always the case, why should we be worried about small populations? Under what conditions might you expect a population not to increase when reduced to low population size? This certainly has been the case for many endangered species that have gone extinct or now teeter on the edge. Do some populations simply not â€Å"have what it takes† to maintain healthy levels? Few fertile males à ·if a population contain only a few fertile males, the rate of growth will be low since only a few females will be fertilized. This will lead to few births than deaths, hence the population will approach extinct

Integrated Marketing communication plan of Honda Civic in the US Assignment

Integrated Marketing communication plan of Honda Civic in the US - Assignment Example Communication plays a pivotal role in determining the success of an organisation in as much as marketing of the product offered is concerned. It can be observed that modern communication technology has made dramatic changes in the contemporary marketing communication landscape given that the consumers are now able to evaluate the choice of the goods they want. On the other hand, the marketers are also aware of these indispensable changes brought about by new information and communication technology and these have compelled them to adopt the use of an integrated marketing communication plan in their operations. An integrated marketing communication (IMC) plan is ideal for Honda Civic in the US. In order to outline the communication plan that can be used by Honda, it is important to begin by explaining the meaning of IMC concept in order to gain a full understanding of it. Basically, an integrated marketing communication can be defined as, â€Å"a concept of marketing communication planning that recognises the added value of a comprehensive plan that evaluates the strategic roles of a variety of communication disciplines such as advertising, personal selling, sales promotion, direct marketing, public relations, sponsorship,† (Cant, 2000 p.285).... ises the added value of a comprehensive plan that evaluates the strategic roles of a variety of communication disciplines such as advertising, personal selling, sales promotion, direct marketing, public relations, sponsorship,† (Cant, 2000 p.285). These communication channels are integrated and coordinated to deliver a clear, consistent and compelling message about the organisation and its products. Kotler & Armstrong, 2004 also posit to the effect that all the corporate messages, positioning and images, and identity are coordinated across all marketing communication venues which reinforce the image and identity of the organisation. The main objectives of marketing communication mainly depend with what the company seeks to achieve through the integration of different communication disciplines. As such, Honda’s IMC plan should include the effective use of advertising, personal selling, public relations, direct marketing as well as sales promotion. In this case, the aim of the IMC will be to create loyal customers through giving them the right information about a particular product or brand offered. Against this background, this report seeks to develop an IMC plan for Honda Civic. According to AutofairHonda (2011), the 2011 Honda Civic GX is powered by natural gas and it does not use fossil fuels like other conventional vehicles. This model of car was developed after the realisation that the environment also needed to be protected given that carbon gas emissions from vehicles significantly contribute to global warming which is seen as an environmental concern across the whole world. Honda Civic 2011 is a luxury vehicle which is environmental friendly. However, of notable concern is the fact that this particular type of vehicle appeals to a unique segment and this is

Adult Learners in Higher Education and Training(Human Resource Essay

Adult Learners in Higher Education and Training(Human Resource Development) - Essay Example The main aim of contract learning is to make students learning centers in their own learning process rather than making teachers the center of learning. Therefore, the use of contract learning is to solve learning problems by reducing several differences between different learning groups. Learning contract aims at harmonizing learning environment for adults students with varied differences. Notably, learning institutions often receive learners from different backgrounds, interest, experiences, lifestyle, learning, and learning speeds as well as varied commitments. Thus, didactic teaching will aim at the middle (Knowles, Holton III, Swanson, 2012) will allow all these interests to be severed and catered for during the teaching process. This process often concentrates at the middle with the aim of pulling other ends. The lower end will be pulled towards the middle so that they are not left far behind while the upper end will be involved so that they are never bored during the leaning process. Therefore, the contract learning is a sure way of helping student meet their learning or educational needs on their own (Knowles, 1995). Developing learning contract need the teacher to have both cognitive and personal learning styles. Moreover, the teacher has diagnostic sense to enable personal learning and understanding of the teaching tools and needs of students Knowles, Holton III, Swanson, 2012. These tools enable the teacher to draw specific needs and objective of the contract learning process. Therefore, it is upon the teacher to formulated specific, clear, realistic, and understandable objectives of the contract learning. Knowles, M. S. (1995).  Designs for adult learning: Practical resources, exercises, and course outlines from the father of adult learning. Alexandria, VA: American Society for Training and Development

Emergency preparedness flyer Essay Example | Topics and Well Written Essays - 500 words

Emergency preparedness flyer - Essay Example The primary focus would be to draw up a community preparedness plan, the default thing to do in any foreseeable emergency in which certain things have to be taken into account. Firstly, know what to expect. Educating oneself about the kind of disaster along with some information regarding their location would help prepare them accordingly. Populations living near the coastline should prepare for a tsunami whereas those living near or on a fault line should know what to do in case of an earthquake. Coming up with an emergency plan related to the specific disaster would be much more highly effective than a generic plan encompassing all that could go wrong (Kehayan & Napoli, 2005). Ironically, the very technology that has been put in place to help during a calamity has also put us at a disadvantage, primarily due to our dependency upon it. Today's masses live in a very different world compared to an earlier generation, when cross community communications were an intrinsic part of life a nd as such are much more ill prepared when things such as electricity, internet, gas, and water, which they are so dependent upon, are suddenly unavailable.

Distance Measurements and Scientific Notation Essay

Distance Measurements and Scientific Notation - Essay Example Help students grasp our place in the enormous universe by reviewing your school’s â€Å"galactic address†Ã¢â‚¬â€beginning with its street address and ending with its place in the universe. Review the units of measurement that are used to represent distances in each part of the galactic address. Give students examples for each step, or have them use reference materials to provide their own examples. Help them appreciate unfamiliar units of measurement, such as light-years and astronomical units. By thinking about their location on a small scale first and then moving out to a much larger scale, students begin to learn a sense of how distance is measured at each scale. This understanding will motivate them to learn through the lesson further. 1. Tell students that one means of putting these unimaginable sizes and distances into perspective is to compare them to smaller scales that are easier to understand. In this activity, students will convert and sizes in space to smal ler units. Distribute the Class Activity Sheet: Understanding Sizes and Distances in the Universe. Instruct students to work in pairs to answer the questions. Solution: Three pieces of information are needed in order to determine this scale distance to the moon: the diameter of the quarter, Earth’s diameter, and the actual distance from Earth to the moon. Measuring the quarter reveals that it has a diameter of 1 inch. Earth’s diameter is about 8,000 miles. The actual distance from Earth to the moon is an average of 240,000 miles, although this distance can vary with the moon’s orbit around Earth.

The Ukrainian Genocide Essay Example for Free

The Ukrainian Genocide Essay â€Å"Holodomor† means fake famine or slow killing by starvation in Ukrainian. Joseph Stalin, the premier of the Soviet Union, created an artificial famine to destroy the will of the Ukrainian people that sought independence from his rule. This famine lasted for three years killing an estimated seven to ten million people. Ukraine was known as the breadbasket of Europe before this happened. This was one of the worst cases of mass killing ever recorded. It also is one of the worst cases of food, or lack of it, being used as a weapon. Some people to this day ignore the fact that this artificial famine even existed. Ukraine had been under the domination of the Imperial Czars of Russia for two hundred years. Finally freedom had arrived in March of 1917. Some optimistic Ukrainians declared Ukraine to be an independent nation and began to re-establish Kiev, the nation’s capital. However, they did not stay free for long. Vladimir Lenin, the first leader of the Soviet Union, wanted to reclaim Ukraine. Four years of chaos and fighting followed. By the end of 1921 the Soviets were able to crush the Ukrainian people and win the war. Half of Ukraine was then divided up between Poland, Romania, and Czechoslovakia. The rest of Ukraine was kept by the Soviet Union. The Soviets began shipping grain out of Ukraine to satisfy hungry Russians. While the Soviets banqueted, Ukrainians suffered. Then a drought occurred resulting in widespread hunger and popular resentment towards Vladimir Lenin and the Soviets. To lessen this animosity, Lenin lessened his grip on the Ukrainian people and even encouraged a free-market. People started to relax and renewed their interests in independence, folk art, music, and literature. The Soviets began slowly losing control of Ukraine because of this revival. However, when Lenin died Stalin, one of the most cold-blooded humans to ever hold this much power, took over. Stalin thought the gradual loss of Ukraine was completely unacceptable. To crush the free spirited revival he started using the same ruthless methods used on the Soviet Union. In the beginning of 1929 over five thousand Ukrainian scholars, scientists, cultural and religious leaders were arrested with false accusations of planning an armed revolt against the Soviets. Everyone that was arrested was either shot or deported to prison camps where they would be tortured with out a trial. Stalin also disapproved of Ukraine’s system of land management. He began seizing all privately owned farms in a country where eighty percent of its people are farmers. There was a class of farmers called â€Å"kulaks† by the communists. Kulaks were wealthy farmers who made a profit by themselves. Stalin believed that all farms should be collective farms run by the government. Stalin started forcing people to join these collective farms or else they would be classified as Kulaks and put into jails, which began appearing in most Ukrainian villages. By the summer of 1932 eighty percent of Ukraine’s population started working in collective farms. They were afraid of seeing their own children die of starvation so they gave in. He thought that any revolt in the future would be led by the Kulaks so he began destroying them as a class. Kulaks were declared â€Å"enemies of the people† and were left beaten in the streets with out any possessions of their own. The Red army stole all of the kulaks possessions. It was against the law to help Kulaks or their families in any way. Millions of people were put onto railroad boxcars and were shipped to prison camps in the wilderness of Siberia. One-third of the people sent to these camps died because of the horrible conditions. Back in Ukraine things were getting worse and worse each day. Stalin sent out henchman Lazar Kaganovitch to destroy all Ukrainian resistance. He made quota shooting 10,000 innocent Ukrainians weekly. Eighty percent of all intellectuals were executed. Stalin began stealing food that was made from the Ukrainian’s own hands. All farms were raided for any possible food, blankets, cattle, and fuel. The secret police looked for â€Å"hidden grain† under men and women’s clothing. Even the smallest amounts of grain were confiscated. They blocked all railroads and streets so nothing could get in or out of Ukraine. Ukrainians began to quickly die of starvation, cold, and sickness. During the winter of 1932-1933 the famine hit full force. Soon people were eating shoes, belts, tree bark, pets, and some even ate infant children and dead bodies to stay alive. Many begged neighbors for potato skins and other scraps, but they found their neighbors equally starved. There were unbelievably emaciated bodies in the street. I remember all this I was swollen from hunger; my brother was even in the worst condition He was dying; his swollen body was leaking fluid. I was sitting beside him, he was gritting his teeth and kept asking for a cucumber Then he died His dead body had been wrapped in a blanket, the color of this blanket is still in my memory. This is the testimony of Hanna Nelasa, born in Luhansk region. She was one of the few people brave enough to give her testimony about the famine. In Russia it has been made illegal to commemorate this event. To this day people do not know the exact amount of people that died during this tragic time. At the famine’s height 25,000 people were dying per day. They estimate the number of people that died to be around seven to ten million. In the end the Soviet collective farms never succeeded. The livestock were poorly cared for on these farms and the conditions were very unhealthy. Inexperienced young communists ran all the farms. They became jokes throughout Ukraine about how uneducated they were on simple things like farming and cleaning. An American Journalist wrote this horrifying description of what he saw: â€Å"About twenty miles south of Kiev (Kyiv), I came upon a village that was practically extinct by starvation. There had been fifteen houses in this village and a population of forty-odd persons. Every dog and cat had been eaten. The horses and oxen had all been appropriated by the Bolsheviks to stock the collective farms. In one hut they were cooking a mess that defied analysis. There were bones, pigweed, skin, and what looked like a boot top in this pot. The way the remaining half dozen inhabitants eagerly watched this slimy mess showed the state of their hunger. † On a personal note, my grandfather lived through this time. He was once walking and thought he saw a log and went to go sit on it, but it was a frozen body. They were living at the edge of the woods so his father buried potatoes and grain two hundred feet deep in the back of the woods. The Secret Police came to their house and took bayonets poking them into the soil looking for any food they had. Adults and children constantly came begging to their house for scraps of food and they gave it to them. This is why I chose this as my topic because my grandparents told me hundreds of stories about growing up during these times.

Postcolonial Theory & Feminism Essay Example for Free

Postcolonial Theory Feminism Essay Postcolonial theory is actually a growing as well as a controversial field. Some of the critics understand postcolonial theory as hypothetically and incoherent not worth mentioning at its best and political harmful at its worst. Post colonial theory is however superficial as an uncritical condemnation of the Western nations, cultures as well as values. For some reasons, these wrong interpretations materialize from a lack of intellectual commitment with the topics in that same field. These critics are actually motivated by a political desire which is out to sustain and legitimize the power of Western values, nations together with the cultures. This paper will respond to these types of distortions. The paper will identify how philosophical reflections might assist people to understand the nature of connections between dissimilar cultures. After the introduction together with the main problems in the field of postcolonial theory, the paper will talk so much about the early theorists of anti-colonialism. However, postcolonial theory must be conceptualized as an extension of the aforementioned anti colonial struggles. In this situation one is able to understand fully the connections between colonialism and the western philosophy. At times when the West tends to control as well as shaping different cultures and the way of their thinking, the study of the way different cultures interacted during the past seems tremendously necessary. As a result, feminist theory is the expansion of feminism into philosophical or theoretical position. It tends to encompass the work done in a very broad variety of disciplines, importantly including the approaches towards women’s roles and lives together with the feminist politics in sociology and anthropology. Feminist theory always aims at understanding the natural history of inequality and it actually focuses on power relations, femininity politics as well as sexuality (Tiffin, 9). Postcolonial feminism is the main form of feminist philosophy which tends to criticize the Western forms of feminism, particularly liberal feminism as well as fundamental feminism plus their universalism of female experience. The postcolonial feminists argue that the cultures that are impacted by the colonialism are often vastly different and it should be treated that way. Colonial oppression might result in glorification of pre-colonial culture in which in cultures with traditions of stratification of power along the lines of gender, could somehow mean the acceptance or refusal to deal with, inherent matters of gender inequality. Postcolonial feminists does not present a united front on feminist issues, but it can be described as the feminists who have always reacted against both universalizing tendencies in the Western feminist thought as well as a lack of attention to gender issues in mainstream postcolonial thought (Tiffin, 9). A lot of postcolonial feminists tend to argue that the oppressions connecting to the colonial experience, more especially class, radical together with ethnic oppressions, have marginalized women in postcolonial societies. In one way or the other, they tend to challenge the assumption whereby the gender domination is the most important force of patriarchy. Furthermore, postcolonial feminists point to the superficial interpretation of women of non-Western societies just like the passive and people who don’t have a voice, as opposed to the depiction of Western women as educated, modern as well as empowered. At the same time as demanding gender oppression contained by their individual cultures, postcolonial feminists in addition tends to fight the charges of being Western, just the way some would contend within their cultures (Reina, 46). As a result, feminism is the conviction in the social, political as well as the economic equality of women. It involves a variety of movements, philosophies and theories which are concerned with the idea of gender dissimilarities as well as campaigning for the rights of women together with their interests. Feminist theory came as a result of these particular feminist movements. The idea of postcolonial feminism arose right from the gender history of colonialism. The regal powers regularly imposed Westernized norms on top of colonized areas. In the year 1940 to 1950, immediately after the creation of the United Nations, previous colonies were being supervised for what was deemed as social development by Western principles. The progression of women, in the middle of other variables, has always been supervised by questionably Western organizations for example the United Nations. Consequently, customary practices together with the roles taken up by women from time to time is regarded as objectionable by Western standards which could sometimes considered as a type of rebellion in opposition to colonial oppression. Postcolonial feminists, they really work so hard in order to fight femininity oppression in their individual cultural models of the social order relatively than from those of the Western. The fundamental theoretical principle of postcolonial feminism is that the concept of freedom, equality as well as rights stems right from the enlightenment together with privilege European and Western norms, instead of representing a universal ethical system (Boniface, 14). Postcolonial feminist writing tends to overlap a great deal with transnational feminism together with the third world feminism. Postcolonial feminism is somehow connected with post colonialism. However, there is an essential alliance among black feminists plus the postcolonial feminists because both of them have really struggled for identification by the Western feminists as well as men in their own individual ethnicity. As a result, feminist discourse actually shares a lot of similarities with post colonial theory and consequently both fields have always been thinking of being associative. They are both predominantly political and they are concerned with the struggle against injustice and oppression. However, both of them tend to refuse the established patriarchal, hierarchical system which is actually conquered by the hegemonic white men as well as passionately denying the hypothetical supremacy of mannish power together with the authority. The demoralized women are in this sense of the same kind with the colonized subject matter. Basically, exponents of post colonialism are very much reacting in opposition to colonialism in both the political and economical sense. The feminist theorists on the other hand are refusing colonialism of a sexual environment. In one way or the other, colonialism is the biggest iniquity for the reason that it mechanically entails the danger of misogynistic. Colonial oppression do affect the lives of women both socially and economically whereby it has forced postcolonial critics to take on a keener awareness of gender roles during the time when they are discussing imperialist exploits. In the same way, feminism has become very much aware of the post colonial counterparts in the latest period of time. The failure to acknowledge the historical specificity is actually damaging like any other assumptions which are based in chauvinism as well as ignorance. Feminists also tried to apply the intolerance of blanket terms towards post colonialism and they as well have subsequently been so much critical of post colonialists’ tendencies to construct one category of the colonized, hence ignoring the essential issues of gender differences (Reina, 29). There are quite a number of significant literary texts which are written both from post-colonial and feminist stand point. The texts usually share views about individuality and disparity of the subject and agreements on shared strategies of resistance against the external forces that are doctorial. Bill Ashcroft in his book, â€Å"Key Concepts in Post Colonial Studies† compares â€Å"writing place† in post-colonial theory to â€Å"writing the body† in feminism. This clearly indicates that colonized space in the discourse of feminist is the highly vulnerable body of the female. This therefore reflects the fertile and productive nature of the place and body that has got the power to yield crop and also to destroy it. They are both capable of ruthlessness when forced to it. Caryl Churchill’s controversial play â€Å"Cloud Nine† written in 1979 deals in a broader length with ‘double colonization’ towards women by their male counterparts and the colonial powers. Consequently, there is a critic of gender of familial and sexual duties in the ‘Victorian colonial society’. The play utilizes both cross-dressing and role-doubling in a comical way to fully explore the association between colonial and sexual oppression throughout history. The first act takes place in a British colony within Africa whereby Clive, one of the racist and sexist colonial administrator brings forth his stringent ideals both to his family and the natives of Africa. Being the superior white male, he identifies the roles that women and the natives must play. His doting and self effacing female counterpart is Betty. She says she is a man’s creation and what men want is what she wants to be. The boundaries of gender are fully closed as Betty is played by a man. This foregrounds her gender as a fiction that is constructed by a â€Å"male gaze†. The patriarchal society of Clive can not be able to envision the identity of women. Betty therefore, must just be played by a male actor and through Betty’s character; Churchill satirizes the traditional role of women who are subordinate in history. This forces us to recognize that the female identity is both a historical and a cultural construction. There are also some constructions of the pre-colonial that are strongly influenced by phallocentrice prejudice which defines a native woman as passive and subsidiary inferior. There are also more representations of female native figures in Western Art and Literature which perpetuate the myth of the female that is charged erotically. For instance, the primitive exotism danger of Ayesha in H. Rider Haggards novel â€Å"She† which is full of prejudice. And truly much of the 19th century, the black skin depicted sexual promiscuity and bad behavior It has been made clear that during the time the artists were attempting to make an ultimate change and the oppressive power connections encoded in the sense of nation, race and empire, together with those of class, gender and sexuality in tracing a path of feminist postcolonial concerns. The present feminist postcolonial theory goes on exerts a pressure on mainstream postcolonial theory on its constant iteration of the necessity to consider gender issues. Some time ago, feminist postcolonial theorists tent to criticize male theorists because of assuming the behavior of British men might take a stand for the behavior of imperial subjects in general or to symbolize the empire as a whole. The feminist postcolonial theories always engage the two fold project, to racialise mainstream feminist theory as well as to insert feminist concerns into conceptualizations of colonialism and post colonialism. Feminist postcolonial theory is concerned, among other things, to analyze the relationship among the western women and that is indigenous women (Tiffin, 9). Feminist is at present abandoned in a good number of feminist theories. The acknowledgment of subjectivity which tends to ground the feminist practice apparently doesn’t ground it for others. People don’t think the same way. However, ant-liberal feminist theory as well demonstrated and enacted its own failure to resolve the conflicts it debates so energetically. The conflicts are not going to be resolved by the theory. They cannot be resolved for the reason that women are human beings in spite of everything. Finally, that unbearable reality makes feminist theory important.

Black Soul Of The 1960s Music Essay

Black Soul Of The 1960s Music Essay In the early 1960s before the British invasion black soul music, Doo wop, Motown and RB dominated the American audiences. The 1960s saw the civil rights movement. In 1963, a march on Washington saw the passing of the civil rights act of 1964 which outlawed discrimination in public accommodations and employment. This followed with the assassination of Malcolm X and Martin Luther King, spurring riots in 125 US cities in 1968, coinciding with the civil rights act of 1968. The 1960s saw Billboard change the name of its RB chart to Soul, but the term Soul had been used as a label since the mid 50s. It had its beginnings in the 1950s when Ray Charles exploited the gospel sound to create fusions of black religious and RB music with songs such as I got a woman based on the gospel song My Jesus is all the World. Sam Cooke also contributed a great deal to Soul. Cooke produced an almost unbroken sequence of hits from 1957 to 1964, the year of his death his music gave proof that anything was possible. This influenced artists who would later become global black Soul performers such as Aretha Franklin, The Falcons and James Brown. Groups such as The Angels, The Shirelles and The Righteous Brothers helped to popularize the music as mainstream. For much of the 1960s soul could be seen as the umbrella term for black popular music, which dominated American audiences in the early to mid 1960s. However one of the biggest success stories was the Detroit based Motown, which could be seen as pop soul which gave fame to names such as Diana Ross, Gladys Knight and Smokey Robinson. Tamla Motown was created by Berry Gordy Jr and although the stars were all black, you couldnt fully define it as black music as the intent was to make music palatable to white audiences. Gordy was also known to have controlled the performing styles and clothes in a way to prepare them for the wider mainstream audience. Amongst the most successful of his artist was Marvin Gaye, who was the first to take his artistic control over his recordings and repertoire. The East Coast DooWop and girl groups also made a contribution to African-American music during the 1960s. They were singers and groups whose origins were found on the street corners in the form of cappella groups found in many urban centres. With very rare exceptions, these groups did not write their own songs, but relied on their handlers to set up the recording sessions, pick the material, and produce the records. In fact, many of these behind-the-scenes people eventually became stars in their own right in the seventies. The influence of Doo Wop can be seen in soul music through groups such as William Robinsons, The Miracles who started a Doo Wop group whilst at school. White popular music of the UK developed into one of the most leading musics in the world. Through the 1950s there existed a barely understood American style. Rock and Roll. At the beginning of 1960 American pop music continued to set the patterns of the native musical efforts in the UK. The US contribution to the British charts was large and extremely important At this point- the twist was in full swing, Chubby Checker, Elvis Presley and Jerry Lee Lewis dominated the British charts. After rock and roll, Britain returned to its traditional values with the likes of Cliff Richard and Living Doll which brought mums and dads along as well. For a short while in Britain at the end of the 1950s into the early 60s there was a revival of American Skiffle, made popular by Skiffle artist, Lonnie Donegan. Skiffle was the first attempt undertaken to appropriate American popular music. It was a growing interest in rural and urban blues. Many of these interests involved a conservative nostalgia for the authentic of some imagined yesteryear. Skiffle would later influence John Lennon and Paul Mcartney in their first band The Quarrymen and The Beatles. We can also see the influence of African American artists through British RB which developed as a major musical movement in the early 1960s, initially in London, but also in other urban centres in the UK, as predominately young white male musicians attempted to emulate the style and recordings of African American RB artists. We can see this influence through The Rolling Stones. Muddy Waters used song extension to transform 1940s Chicago Blues. This was achieved by reviving repertoire he had learnt and increasing amplification. 15 years later The Stones and subsequently Cream and Canned Heat followed his example in substance as well as spirit by themselves drawing from the same source. Thus The Stones recorded I Just want to make love to you and I cant be Satisfied. Blues songs and influences continued to surface in the Rolling Stones music throughout their long career. Cream made versions of the delta blues and Canned Heat took their inspiration from the delta bluesman Tommy Johnson. This song copying tradition played a big role in the pop music.- All these African American influences such as Skiffle, RB and Soul along with white American Rock and Roll gave way to Beat music or the Merseybeat. Bands who defined this genre were largely the Beatles but also Hermans Hermits and Gerry and the Pacemakers, to name a few. In Walter Everetts The Beatles as Musicians he describes their compositional style as imitations of buddy holly and RB techniques practised by the witty guitarist Chuck Berry, the energetic Little Richard, and the humorous and skilful coasters After the large success of the Merseybeat in the UK, it transformed over to the US led by The Beatles on the 7th of February 1964. This would be then followed by other beat, pop and rock groups. Among the most successful bands in the genre were the Rolling Stones, The Yardbirds, The Kinks, Manfred Mann, The Animals, the Spencer Davis Group and The Who. Many of these bands dominated the UK and US charts from 1964, becoming a second wave of British Invasion acts in the US, and in the UK were central to the Mod subculture. Several of the bands and their members went on to become leading rock music performers of the late 1960s and early 1970s, helping to create sub-genres that included psychedelic, progressive and hard rock and making RB a key component of that music. However the British Invasion ended careers of black artists such as chubby checker and fats domino with only a handful surviving such as the Motown artists. However soul music did remain popular through evolved forms such as Funk which can be associated to James Brown. This later developed into Funk and Soul influenced by Phychedelic Rock. A good example would be the band Sly and the Family Stone and their album Stand! who were successful. However groups such as The Miracles and The Supremes found it hard to keep up with the changing trends and could never recover. Black music charted a musical path different from white rock. Although much black music crossed over to the pop charts, black performers did not share common ground with their white counterparts.-

How to Read Body Languauge :: essays research papers

If the eyes are the windows of the soul, then the body is the mirror of our feelings. If we are feeling great it shows in how we hold and use our body. Conversely, if we look at someone else’s body we can often tell how they are feeling by the signals their body is giving. So when it comes to dating, using/reading body language signals is a great tool. You can observe this by watching a couple flirting with each other. In case you don’t think learning how to read and use body language is not important, here are some statistics about the messages we receive from someone we meet. †¢ 7% of the information we receive is from what they actually say. †¢ 38% of information we receive is from the tone, inflection and speed of their voice. †¢ A staggering 55% of the information we receive is from their body language. These non-verbal signals will help you in dealing with the person but stay focussed on what the person is saying. If you focus too much on their body language signals, you and/or the other person may feel uncomfortable. It is useful to be able to read people’s body language, but it is equally useful to learn how to get your body to send the right signals and eliminate the wrong signals. See below for some body language signals. Be warned: body language is very much open to interpretation. Many signals have different meanings depending on the person/situation. Keep this mind when you assess a body language signal. Note: Look for 3 or 4 signals that convey a similar message or the oneoff inconsistent signal. Also, consciously practise reading/doing some of the signals as much as you can. Learning, as you practise, what works and what doesn’t work for you will help you gain confidence to use body language techniques consciously. How to Read Body Language 3 Body Language Signals: †¢ Open arms: o Energetically open and possibly feeling vulnerable o A good way to show you are approachable, especially when combined with open palms †¢ Palms up/open hands: o Defences down o An open heart †¢ Palms on chest – When a person uses open palms that occasionally touch their chest, they are signalling honesty †¢ Outward, upward hand movements – This conveys an open and positive message †¢ Folded arms: o A defence mechanism that shows the person is not open to what is being said or done o May mean rejection o Physically cold o Stubborn in their outlook †¢ Hands closed – A closed heart †¢ Doodling – Bored †¢ Fist: o Anger and to be avoided o Physically cold o Very tense How to Read Body Languauge :: essays research papers If the eyes are the windows of the soul, then the body is the mirror of our feelings. If we are feeling great it shows in how we hold and use our body. Conversely, if we look at someone else’s body we can often tell how they are feeling by the signals their body is giving. So when it comes to dating, using/reading body language signals is a great tool. You can observe this by watching a couple flirting with each other. In case you don’t think learning how to read and use body language is not important, here are some statistics about the messages we receive from someone we meet. †¢ 7% of the information we receive is from what they actually say. †¢ 38% of information we receive is from the tone, inflection and speed of their voice. †¢ A staggering 55% of the information we receive is from their body language. These non-verbal signals will help you in dealing with the person but stay focussed on what the person is saying. If you focus too much on their body language signals, you and/or the other person may feel uncomfortable. It is useful to be able to read people’s body language, but it is equally useful to learn how to get your body to send the right signals and eliminate the wrong signals. See below for some body language signals. Be warned: body language is very much open to interpretation. Many signals have different meanings depending on the person/situation. Keep this mind when you assess a body language signal. Note: Look for 3 or 4 signals that convey a similar message or the oneoff inconsistent signal. Also, consciously practise reading/doing some of the signals as much as you can. Learning, as you practise, what works and what doesn’t work for you will help you gain confidence to use body language techniques consciously. How to Read Body Language 3 Body Language Signals: †¢ Open arms: o Energetically open and possibly feeling vulnerable o A good way to show you are approachable, especially when combined with open palms †¢ Palms up/open hands: o Defences down o An open heart †¢ Palms on chest – When a person uses open palms that occasionally touch their chest, they are signalling honesty †¢ Outward, upward hand movements – This conveys an open and positive message †¢ Folded arms: o A defence mechanism that shows the person is not open to what is being said or done o May mean rejection o Physically cold o Stubborn in their outlook †¢ Hands closed – A closed heart †¢ Doodling – Bored †¢ Fist: o Anger and to be avoided o Physically cold o Very tense

Nothings changed-Choose two poems which make a connection between the :: English Literature

Nothings changed-Choose two poems which make a connection between the past and the present, and explain what this connection means to each writer. When he goes back to the district it's all overgrown. He steps through the rubbish and weeds. It says the weeds are 'amiable' which means friendly, as if the weeds don't know what he knows. He knows in his bones this is where he used to live. It's as if the feeling starts in his feet and works its way up through him, and he gets hotter and more intense, until he suddenly sees this 'brash' new building. 'Squats' makes you think of a toad, or something heavy and solid, and also squatting is when you live somewhere illegal, like the inn shouldn't ever have been there. When he peers in through the glass it's all cool and elegant inside, not the sort of place they would let in anyone. He says 'we know where we belong', meaning outside looking in. So although it no longer says 'Whites Only' on a board, like it used to, only rich white people would feel they had the right to be there. Charollte o neils song-Choose two poems which communicate a sense of injustice, and show how the poets have succeeded in doing this. The rhythm of the poem is very vigorous and assertive. You can imagine it sung in a rebellious way - she's had enough. The stress falls on the important words in each line, especially the verbs, which emphasises all the physical actions that are being described. Words like 'scrape' and 'scrub' echo each other, and when you say the 'scr' you can hear the effort involved. There's also a strong contrast between 'I' and 'you' right through the poem, which emphasises how different their lives are. In the second half of the poem (after the 'But') she shifts into the future tense as she imagines her new life. The poem finishes on a very definite note, with the final rhyme, like she's slammed the door behind her - her old life's all done and dusted. Half caste-Choose two poems where the style and language of the poem seem particularly suited to what the poet has to say, and explain in each case why you think this. The argument of the poem comes out in the way it is written. You could almost say that the poem is written in a mixed language - it's a kind of English, but it's also in Caribbean. The poet writes 'wid' and instead of 'with' to show that the speaker has a Caribbean accent.

Electronic Arts and the Global Video Game Industry Essay -- Video Game

Electronic Arts and the Global Video Game Industry Demographic trends   Ã‚  Ã‚  Ã‚  Ã‚  Gaming has become an important part of growing up for people who were born in the last 25 years. Approximately 3.9 - 4.7% of total world population (250 to 300 million people) is  ¡Ã‚ §very active ¡Ã‚ ¨ or a  ¡Ã‚ §frequent ¡Ã‚ ¨ player of video games or at least owns the necessary equipment. This target group spends five or more hours a week playing video games. The United States is the largest video game market in the world with about 50% of the US population (145 Million people) spending 6.5 hours a week on computers and video games.   Ã‚  Ã‚  Ã‚  Ã‚  The majority of video game players are preteens, teenagers, and young adults (between the age of 20 and 40). A full 70% of college students play video games at least occasionally in a year and 100% had played at some point in their life. The average age of game players in the US in 2003 is 29 years old and hard-core gamers purchase 10-15 new games annually. Indeed, the average age of game players is rising because gamers continue to play into their adult years, of those over age 50, 17% play video games up from 13% in 2000. The number of females who played console games dramatically rose also to about 40%. It is interesting to note that gamers over the age of 35 like to play games on PCs while those younger than 35 preferred console systems. Socio-cultural   Ã‚  Ã‚  Ã‚  Ã‚  Many people think spending many hours in front of either PCs or video game consoles is not a good hobby for kids. There are many issues such as health, personality, motivation and especially violence and aggression . Some people believe violence in video games and in other media promotes violent behavior among participants. It can contribute to players becoming overweight by decreasing outdoor activity and reducing the capability of eye-sight. The content of violent games could account for changes in the player's mood and cause him or her to become more aggressive or emotional. Political/Legal   Ã‚  Ã‚  Ã‚  Ã‚  The video game business is an interdependent industry. Companies have to pay a customary royalty to the console makers. The console manufacturer have the power to authorize all games, limited the number of games, marketing plan and even the quantity of production. The guidelines and restrictions put forth by the Software Rating Board (ESRB) effects the content, storylines and features of vi... ...at encourages creativity but also will pull the plug on ideas in the early stages so that they can concentrate resources on ventures that are more likely to pay off. Because of this most of the games EA creates are sequels to previously successful franchise brands. Finally, the company is one that prides itself on moral character. EA ¡Ã‚ ¦s Chairman and CEO Lawrence Probst states that  ¡Ã‚ §EA will not publish games with gratuitous sex and violence. ¡Ã‚ ¨ This is an important distinguishing point in an industry that is know for pushing the edge of decency with regard to sex, violence and drugs. SWOT Analysis Strengths „X  Ã‚  Ã‚  Ã‚  Ã‚  Dominate Player in market „X  Ã‚  Ã‚  Ã‚  Ã‚  Great game franchises „X  Ã‚  Ã‚  Ã‚  Ã‚  International reach „X  Ã‚  Ã‚  Ã‚  Ã‚  Strong talent pipeline „X  Ã‚  Ã‚  Ã‚  Ã‚  Moral leadership  Ã‚  Ã‚  Ã‚  Ã‚  Weaknesses „X  Ã‚  Ã‚  Ã‚  Ã‚  Poor Relationship with Microsoft „X  Ã‚  Ã‚  Ã‚  Ã‚  Overly focused business (on games) Opportunities „X  Ã‚  Ã‚  Ã‚  Ã‚  Mobile market „X  Ã‚  Ã‚  Ã‚  Ã‚  Cell phone market „X  Ã‚  Ã‚  Ã‚  Ã‚  In car equipment „X  Ã‚  Ã‚  Ã‚  Ã‚  Branch out into other forms of media (TV, movies) „X  Ã‚  Ã‚  Ã‚  Ã‚  Online gaming  Ã‚  Ã‚  Ã‚  Ã‚  Threats „X  Ã‚  Ã‚  Ã‚  Ã‚  Rising production costs. „X  Ã‚  Ã‚  Ã‚  Ã‚  New entrants especially in the mobile market „X  Ã‚  Ã‚  Ã‚  Ã‚  Console upgrades „X  Ã‚  Ã‚  Ã‚  Ã‚  Increasing development costs

Economic Recovery in UK Essay

Introduction Over the past few years, UK economy has been is a recession period characterized by decline in positive business conditions. This period indicated unfavorable business environment due to aspects of high taxation, reduced demand and high cost of imports. The period was also characterized by low cost of imports which results to unfavorable balance of trade in UK. Economic downturn in UK has great influence in business especially the high street brands (Holley, 2012). With that kind of economic, grow conditions there was increased concerns about the future of high street s. this trend threatened the long term survival and attractiveness of high street brands since the economic conditions undermined the ability to attract a range of potential customers and other businesses. However, signs of economic recovery are evident in United Kingdom. The United Kingdom is returning to economic growth, this is according to a range of economic indicators which reveal a stable housing market; firm’s raising confidence and employees’ readiness to hire (Irvin, 2006). According to economic data is growing faster where effects are felt throughout the economy. The data suggests that the economic recovery is evident in nearly all sectors in the United Kingdom economy. According to economic data in UK, the economy grew by 0.8 percent compared to last year economic grow denoted by 0.4 percent (Holley, 2012).  Ã‚   Considerably, economic recovery in UK has greatly boosted business in the country. For instance, many organizations have grown considerably in the current business environment that is ensured by the economy recovery. More precisely, companies such as Tesco has registered and increase in the total sales compared to recent past (Tesco annual report, 2013). This in turn has enhanced organizations strategic approach in regard planning in the current business environment. Most important, the constant economic recovery mood in UK is improving as most businesses are reacting to the increased business confidence through search of new markets. The situation has also encouraged investment and saving in United Kingdom. Increase in business confidence is accelerating; this is a fundamental financial performance signal in UK that indicates reported profit and turnover rise and is expected to improve further (Irvin, 2006). According to economic data, unemployment level has decreased drastically since the start of economic recovery in the country. This situation is characterized by increased demand, growth of most of sector especially retail. In addition, economic firing has ensured favorable balance of payment in UK (Holley, 2012). The economic recovery in UK also indicates enhanced future for high streets brands since it is improving its attractiveness and survival. According to economic data, improved economic conditions in UK will attract more potential investors and retailers to high street brands business. This because of the enhance business confidence and favorable business climate in United Kingdom. Generally, all sectors of United Kingdom economy are growing considerably showing continuing creation of employment opportunities by the government, educated workforce and enhanced living standards through reduction of costs of living (Irvin, 2006). According to economic data, there are indications of enhanced consumer confidence in United Kingdom. This phenomenon is precisely defined by the current economic recovery in  Ã‚   the country. According to Holley (2012), the level of consumer confidence is high indicated by the current economic conditions in a country. The improvement in consumer confidence is also ensured due the decline in unemployment in UK which helps to boost confidence. In addition, decline in house prices has also accounted for the improved consumer confidence in UK. Consumer confidence is fundamental as it influences economic policies in a country. Considerably, increased consumer confidence in UK has caused households to opt to invest instead of savings since they are confident of better returns with the prevailing economic conditions in the country. Positive trading conditions as a result of economic growth in U.K Growth in business confidence is a major indicator that enhances economic growth. This has lead many investors in the UK to invest in many sectors since they have confidence on the business has there is a confirmed stable growth that motivates them to even invest more in other different sectors. This trading condition has highly encouraged many businesses to search for new markets in the UK and this comes a result of them many investors within and outside UK having enough confidence on what they are investing thus, these has attributed much to enormous growth in their economy. In addition, they expect growth to create a huge pace now as the recovery continues to build steadily and business investment and net trade are also expected to offer increasing support to enhance over the coming years (Trade and investment for growth, 2011). Fairtrade sales in U.K have highly increases going up to â‚ ¬2.89bn globally towards the end of 2008 (Cofnas, 2012).   On the same line with the economic growth there is a high increase in demand that helped to avoid the economic crisis and demonstrate the difference that depict with Fairtrades. Consequently, Fairtrade is highly attributed towards enhancing the economic growth in UK. Many of the latest research prevail that through the mechanisms entailed, Fairtrade grants a positive economic opportunity for those individuals with smallholder farming families competent and ready to join producer associations and provide products of the right provisions for the required market. Consequently, numerous Fairtrade co-operatives are appropriate and are becoming stronger, frequently showing a higher capacity to survive in intricate times and becoming capable to grant important services to their members. This strengthening is mainly noticeable where producer ownership supplementary along the assessment chain is attained as demonstrated by the share ownership of producers (Cofnas, 2012). Increase in supply is another positive condition that has resulted from the economic growth in the UK. This came into consideration has the government offers and subsides to those producers of the necessary goods and services which generates external benefits that will diminish the cost of production as well has encourage more supply. This has been enacted to encourage the supply of merit goods in the UK. For instance in the education sector, health and those issues dealing with the housing finance and therefore, these particular merits can easily be funded from the local government taxation or from the nongovernmental organization and this has highly contributed to the economic growth over the last few years. This is basically because they focus on the public goods, for example they concentrate on building roads, bridges, airports and other more areas that are considered to be generating more income thus showing an increase in tax revenue. In addition, the food processing industry such as Cadbury plc is among those who have heavily benefited from the positive trading conditions, thus it noted to be among the largest leading confectionary with a wide range of products. Back in 2007, the Cadbury plc closed down the keynsham chocolate factory and this lead to about jobs closed. This was enhanced by the wake of wake of the global economic crunch, however, Presently, Hershey Chocolate Company, a US based plc is making tireless efforts to acquire Cadbury so as to enjoy broad world markets due to the positive tradition conditions that have been put in place and enhanced fully. Lastly, tariffs or free trade is another indicator that has enhances economic growth in the UK.   According to the economists, when high tariff was not formulated, UK was not economically productive as it was stuck in a huge economic depression in the early years. In contrast, the tariff has currently created appropriate economy in that there is large proportion of the entire population at the same time dependent on commerce and industry sector. The imposition of free tariff has highly promoted growth of several industries. According to the economists, the persistence in economic history, it shows the free trade provides long-run conditions for growth that maybe better than any other way (Aldridge, 2013). How positive trading conditions affects approaches to strategic planning Strategic planning is the process in an organization which leads the organization to coming up with news strategies and ideas and finding for means of achieving those strategies as one way of improving an organization or company. It deals with knowing what is to be done, how it is going to be done and for what purpose and the means of doing it. Strategic planning involves understanding a company’s mission, vision, strategies, aims, objectives, goals and achievements. The tools required for this include the pestle factors example economic, social, political, legal, environmental and technological and informatics factors. The construction industry which had been affected by the economic breakdown is now improving as various business strategies are being enhanced. United Kingdom’s GDP is pushed upwardly through enhancing the positive trading conditions. The trading conditions in the United Kingdom are currently improving amidst many challenges facing the economy of Britain thus if the GDP is to move upwards then the trading conditions must be improved. Last year November, the United Kingdom’s exports had a small positive change which made the imports to decrease thus enhancing positive trading conditions which in return reflected a positive change in the GDP (Great Britain & Great Britain, 2013). Change in trading conditions impacts greatly on the GDP thus it is determined by trading conditions. United Kingdom’s sterling pound is weakening which contributes to an increase in the amounts exported because of recovery in trade worldwide. Thus as the number of exports increases the GDP maintains a positive move thereby stabilizing the economy thereby maintaining the strategic planning in order to maintain that positive move in the economy. Trading conditions determines which strategies to be put in place, when they will be made, who will make those strategies and resources required for the strategies to remain successful. The United Kingdom’s trading conditions has suffered challenges over the last few years but lately the trading conditions are taking a positive direction. The manufacturers have learnt their lessons and identified their mistakes which enable them make strategic plans in order to avoid such mistakes in future. Strategic plans have been made in such a way that employment and investments remain balanced. By doing this, the economy of United Kingdom is getting boosted and the sterling pound is gaining value (Great Britain, 2007). Investors and employers are applying good strategic planning which is greatly reflected by improvement of trading conditions and economy at large. The manufacturers are now getting huge profits, importing less and exporting more which shows that the trade market is improving greatly. The United Kingdom is trying to balance its trade which is affected by a number of factors (Middleton, Rodger & MacCulloch, 2008). The production cost of the exports should always remain lower than the cost of importation for the economy to remain stable. United Kingdom is strategizing that there are enough and available raw materials instead of importing them. It has put restrictions on trade in terms of taxes and made sure that the trading environment is maintained inclusive of standards of health, safety of its people and conducive environment. Foreign exchange is a key strategy and a contributing factor in the economy of the United Kingdom. The high the foreign exchange the more stable the economy is and vice versa. In addition, it has come up with the strategy of minimizing the cost of the goods sold locally and increasing the cost of its exports. In addition, it has reduced the amount of imports in the country by producing most products locally. The commercial banks and investments banks were greatly affected by the economic decline then followed by the construction and insurance firms and companies. Through the good strategies enhanced the economic started to rise and is now growing to higher standards. The merits, effectiveness and relevance of prescriptive and emergent approaches to strategic planning in this improving economic climate The effectiveness on the strategic planning is based on the ability on how managers and leaders are able to establish concrete strategies which help them attain their vision and mission in the most appropriate means possible.   Strategic planning is fundamental to address long term issues which might which might be as a result of prescriptive and emergent approaches.   During hard economic times, strategic planning is vital for organization to draw up tangible strategies capable to enable the firm to reach out its desired goals and objectives. Prescriptive strategic planning can be defined as a strategy established before the whole implementation process starts (Jeffs, 2008). The whole idea revolves around investigation, planning, development and full implementation.   This approach is vital particularly to ensure analysis of a firm is stable in relation to the economic conditions. Prescriptive strategy is more focused towards developing enough ability to predict the changes occurring on the external environment. This approach makes it achievable to systematize difficult activities and conditions as a way of addressing the current environmental changes (Friend & Zehle, 2004). On the other hand, emergent approach is an appropriate alternative to the prescriptive strategic planning.   Emergent approach strategies are developed as time elapses but usually without any objectives or reasons.   This approach is a bit flexible because it allows creation of more creative and responsive process in relation to the present economic conditions.   This approach is not only important but also appropriate mainly to address the volatility evidenced in the present creative and responsive process. This approach is important because it can be easily altered in the best way possible to suit the current economic conditions (Rao, Rao & Sivaramakrishna, 2008). It is also be applicable in unpredictable environment in order to address some key issues of concern.   As evidenced the climate is changing rapidly, and therefore it is important to adapt good strategies to ensure and maintain firm’s survival. Effectiveness of both prescriptive and emergent approaches is based on the ability to establish clear business objectives and aims.   The level of flexibility between different companies matters a lot in relation to adaptation of these strategies.   Evidently, firms must develop tangible strategies to tackle the current changes in the environment in order to ensure their survival.   Effectiveness of the strategic planning is based on the fact how a firm is prepared enough to handle all maters presented by economic conditions (Jeffs, 2008).   The focus towards attaining business objectives is the key driver towards establishing effective strategic plan. The numerous changes happening in both developing and emerging countries have led to establishment and diffusion of efficient strategic planning.   The effectives of both prescriptive and emergent approaches are determined by how an organization is able to polish its operations and implementation of viable strategies. In other works it can be stated as the degree at which firms are able to successfully achieve its desired objectives in the most appropriate procedural.   The effectiveness of strategic planning is closely linked with its achievements as a result of established objectives.   Basically, strategic planning is more concerned with objectives and results despite presence of economic conditions (Rao, Rao   & Sivaramakrishna, 2008). Strategic planning is relevant to address all issues emerging as a result of economic trading conditions.   According to Friend and Zehle (2004), both prescriptive strategies and emergent strategies are so relevant to address the current situation as witnessed in the in the current economic climate of instability. There is need for companies and organizations to effectively implement and adapt these strategies mainly to ensure their survival.   The aim of these strategies is to ensure that an organization has proper mechanism put in place to handle changes which might be as a result of environmental changes (Jeffs, 2008). Strategic planning has gained more popularity with many companies adapting strategies with more efforts focused towards achieving the aims and objectives goals.   Evidently, strategic planning helps organizations to grow progress and successfully adapt effective strategies to address the constantly changing environment. Conclusion From the above paper it is evident that, over the past few years, UK economy has witnessed a recession period characterized by decline in positive business conditions. This period indicated unfavorable business environment due to aspects of high taxation, reduced demand and high cost of imports. The implication is widespread low imports hence attracting all trading businesses. The economic recovery in UK also indicates enhanced future for high streets brands since it is improving its attractiveness and survival. According to many indicators, UK economy appears to be emerging from the turbulence of the past five years; with its devastating impact on many businesses including well known high street brands. Strategic planning is vital to address long term issues which might which might be as a result of prescriptive and emergent approaches. Reference Aldridge, I. (2013). High-frequency trading: A practical guide to algorithmic strategies and   Ã‚  Ã‚  Ã‚  Ã‚   trading systems. Cofnas, A. (2012). Trading binary options: Strategies and tactics. Hoboken, NJ: Bloomberg   Ã‚  Ã‚  Ã‚  Ã‚   Press/Wiley. Friend, G., & Zehle, S. (2004). Guide to business planning. London: Economist in association    with Profile Books. Great Britain. (2007). 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