Thursday, September 3, 2020

Human Resources, Competitive Advantg Essay Example | Topics and Well Written Essays - 500 words

HR, Competitive Advantg - Essay Example HR should guarantee that they are given equivalent chance and they are secured against issues, for example, sex separation. 2. Inappropriate behavior has been characterized as sexual moves that are unasked for by the person in question, solicitations of favors that are sexual in nature in return of advancement or danger of terminating the worker and physical and verbal activities and developments that are sexual in nature. Inappropriate behavior that is perceived as Quid Pro Quo happens when an individual is offered advancement or is taken steps to be terminated from his/her position if the worker dismisses or acknowledges favors that are sexual in nature. Inappropriate behavior that is perceived as Hostile condition happens when individuals on a similar degree of the chain of command direct exercises that are sexual in nature and are undesirable and make the earth hard for the casualty to keep on working in a productive way. 3. While during the strategy of determination and recruiting the HR utilizes a various obstacle model, the candidate needs to remain fruitful during various strides of a test and they need to end up being effective in each progression. On the off chance that they neglect to accomplish the breezing through score in a specific assessment, they are esteemed as unfit for the activity. On the off chance that the HR has utilized a compensatory model, they will settle on their recruiting choice dependent on the general scores of the considerable number of tests. This model depends on the reason that if a candidate performs well on one test and neglects to perform well on the other test, the previous score will make up for the score of the subsequent test. 4. As indicated by the activity trademark model, there are five qualities of a specific activity. The main trademark is expertise assortment, which is characterized as the quantity of abilities that are required to play out a specific activity; the second is task personality, which is characterized as the consummation of the activity from the beginning stage to the completion point. The third is task criticalness which is characterized as how

Wednesday, August 26, 2020

Roles that International Non-governmental Organizations Play in Global Essay

Jobs that International Non-administrative Organizations Play in Global Issues and the Role that Transnational Civil Society Play in Global Governance - Essay Example In any case, numerous worldwide non-administrative associations apparently emerged not many decades prior that planned for progressing in the direction of similar objectives on willful premise. They have consistently had a basic influence in such manner by partaking in plan setting, concocting of strategies and joining of rules, rules and administrative systems (Held and Hervey 96). In actuality, as of late, networks have started to depend on them intensely for different social developments and battling for philanthropic causes. With expanding desires, these bodies have additionally improved their attention on defining answers for defeating worldwide obstructions and advancing worldwide administration. In any case, huge numbers of these associations have worked less and publicized their endeavors more so as to make better notoriety, pull in increasingly altruistic gifts and affirmation and confining their stream to entitled recipients (Holmen and Jirstrom 442-443). By and by, a large portion of such elements have solid philosophies and don't advertise their exercises or ideas; rather they have their influence in settling worldwide issues and carrying harmony to world. A large number of them guarantee to be given authority status and be legitimized so as to work all the more viably towards their causes yet thinking about the idea of their exercises, there isn't a lot of substance in the inquiry whether they should be approved or not. These activities need duty and certified worry for abolishment of some social or ecological wickedness. These associations have endeavored to accomplish a significant number of their objectives producing social advantages for masses yet at the same time need to show more devotion and work on their order, which becomes open picture of such endeavors. Job of Transnational Civil Society Apart from private and open society... This article focuses on that national governments have consistently had the essential duty of conceiving answers for issues looked on worldwide level. Be that as it may, numerous global non-legislative associations supposedly emerged barely any decades back that planned for moving in the direction of similar objectives on intentional premise. They have consistently had a basic influence in such manner by taking an interest in plan setting, formulating of approaches and fuse of rules, rules and administrative structures. This article makes an end that Kaldor in her book brings up the issue whether new time of globalization can figure out how to reestablish realness at national and worldwide levels, while alleviating savagery at transnational level through such worldwide establishments. As per her, the association between worldwide administration and organizations’ authentic specialists is confused. Accordingly, the exertion put by such substances must be sponsored up with their definitive structures and should be planned for improving worldwide administration. It is basic to acknowledge that these endeavors have consistently assumed critical job in discovering answers for worldwide emergency. Hence, the opportunity has already come and gone that non-administrative and transnational associations hold hands and work on building more grounded connections and coordination among them to make synergetic impacts and thus settle the referenced worldwide issues on perpetual premise, making this worldwi de town a superior spot to live in.

Saturday, August 22, 2020

Forward the Foundation Chapter 23

5 â€Å"Dad,† said Raych with some worry, â€Å"you look tired.† â€Å"I dare say,† said Hari Seldon, â€Å"I feel tired. Be that as it may, how are you?† Raych was forty-four now and his hair was starting to show a touch of dim, yet his mustache stayed thick and dim and very Dahlite in appearance. Seldon thought about whether he cleaned it up with color, however it would have been an inappropriate thing to inquire. Seldon stated, â€Å"Are you through with your addressing for a while?† â€Å"For some time. Not for long. What's more, I'm happy to be home and see the child and Manella and Wanda-and you, Dad.† â€Å"Thank you. In any case, I have news for you, Raych. No all the more addressing. I'm going to require you here.† Raych grimaced. â€Å"What for?† On two distinct events he had been sent to do fragile missions, yet those were back during the times of the Joranumite danger. Apparently, things hushed up now, particularly with the oust of the junta and the restoration of a pale Emperor. â€Å"It's Wanda,† said Seldon. â€Å"Wanda? What's going on with Wanda?† â€Å"Nothing's the matter with her, however we will need to work out a total genome for her-and for you and Manella also and in the end for the new baby.† â€Å"For Bellis, as well? What's going on?† Seldon faltered. â€Å"Raych, you realize that your mom and I generally thought there was something adorable about you, something that motivated warmth and trust.† â€Å"I realize you suspected as much. You said so regularly enough when you were attempting to get me to accomplish something troublesome. Be that as it may, I'll be straightforward with you. I never felt it.† â€Å"No, you prevailed upon me and†¦ and Dors.† (He experienced such difficulty saying the name, despite the fact that four years had gone since her pulverization.) â€Å"You prevailed upon Rashelle of Wye. You prevailed upon Jo-Jo Joranum. You prevailed upon Manella. How would you represent all that?† â€Å"Intelligence and charm,† said Raych, smiling. â€Å"Have you figured you may have been in contact with their-our-minds?† â€Å"No, I've never believed that. Also, since you notice it, I believe it's crazy. With all due regard, Dad, of course.† â€Å"What on the off chance that I disclosed to you that Wanda appears to have guessed what Yugo might be thinking during a snapshot of crisis?† â€Å"Coincidence or creative mind, I ought to say.† â€Å"Raych, I knew somebody once who could deal with individuals' brains as effectively as you and I handle conversation.† â€Å"Who was that?† â€Å"I can't talk about him. Trust me, though.† â€Å"Well-† said Raych regrettably. â€Å"I've been at the Galactic Library, keeping an eye on such issues. There is an inquisitive story, around twenty thousand years of age and in this manner back to the cloudy birthplaces of hyperspatial travel. It's about a young lady, very little more than Wanda's age, who could speak with a whole planet that circumnavigated a sun called Nemesis.† â€Å"Surely a fairytale.† â€Å"Surely. What's more, deficient, at that. However, the closeness with Wanda is astonishing.† Raych stated, â€Å"Dad, what are you planning?† â€Å"I'm not certain, Raych. I have to know the genome and I need to discover others like Wanda. I have a thought that youths are conceived not regularly however sporadically with such mental capacities, yet that, when all is said in done, it only gets them in a tough situation and they figure out how to cover it. What's more, as they develop tip, their capacity, their ability, is covered profound inside their psyches kind of an oblivious demonstration of self-conservation. Doubtlessly in the Empire or even just among Trantor's forty billion, there must be a greater amount of that sort, as Wanda, and in the event that I know the genome I need, I can test those I think might be so.† â€Å"And what might you do with them in the event that you discovered them, Dad?† â€Å"I have the idea that they are what I requirement for the further advancement of psychohistory.† Raych stated, â€Å"And Wanda is the first of the sort you think about and you plan to make a psychohistorian out of her?† â€Å"Perhaps.† â€Å"Like Yugo. Father, no!† â€Å"Why no?† â€Å"Because I need her to grow up like an ordinary young lady and become a typical lady. I won't make them sit her before the Prime Radiant and make her into a living landmark to psychohistorical mathematics.† Seldon stated, â€Å"It may not end up like that, Raych, however we should have her genome. You realize that for a great many years there have been recommendations that each person have his genome on record. It's just the cost that is shielded it from turning out to be standard practice; nobody questions its convenience. Clearly you see the focal points. In the case of nothing else, we will know Wanda's propensities toward an assortment of physiological issue. On the off chance that we had ever had Yugo's genome, I am sure he would not currently be biting the dust. Definitely we can go that far.† â€Å"Well, possibly, Dad, however no further. I'm willing to wager that Manella will be significantly firmer on this than I am.† Seldon stated, â€Å"Very well. Be that as it may, recollect, no more talk visits. I need you at home.† â€Å"We'll see,† Raych said and left. Seldon stayed there in a situation. Eto Demerzel, the one individual he realized who could deal with minds, would have comprehended what to do. Dors, with her nonhuman information, may have realized what to do. For himself, he had a diminish vision of another psychohistory-yet simply that. 6 It was anything but a simple assignment to get a total genome of Wanda. In the first place, the quantity of biophysicists prepared to deal with the genome was little and those that existed were consistently occupied. Nor was it feasible for Seldon to talk about his needs straightforwardly, so as to intrigue the biophysicists. It was significant, Seldon felt, that the genuine explanation behind his enthusiasm for Wanda's psychological forces be left well enough alone from all the Galaxy. What's more, if another trouble was required, it was the way that the procedure was diabolically costly. Seldon shook his head and said to Mian Endelecki, the biophysicist he was currently counseling, â€Å"Why so costly, Dr. Endelecki? I am not a specialist in the field, however it is my particular understanding that the procedure is totally modernized and that, when you have a scratching of skin cells, the genome can be totally constructed and investigated in a matter of days.† â€Å"That's actual. Be that as it may, having a deoxyribonucleic corrosive particle loosening up for billions of nucleotides, with each purine and pyrimidine in its place, is its least; its least, Professor Seldon. There is then the matter of concentrating every one and contrasting it with some norm. â€Å"Now, consider, in any case, that in spite of the fact that we have records of complete genomes, they speak to a vanishingly little division of the quantity of genomes that exist, with the goal that we don't generally have a clue how standard they are.† Seldon asked, â€Å"Why so few?† â€Å"A number of reasons. The cost, for a certain something. Hardly any individuals are happy to spend the credits on it except if they have solid motivation to think there is some kind of problem with their genome. What's more, on the off chance that they have no solid explanation, they are hesitant to experience investigation for dread they will discover something incorrectly. Presently, at that point, are you certain you need your granddaughter genomed?† â€Å"Yes, I do. It is horribly important.† â€Å"Why? Does she give indications of a metabolic anomaly?† â€Å"No, she doesn't. Or maybe the converse in the event that I knew the antonym of ‘anomaly.' I think of her as a most surprising individual and I need to know exactly what it is that makes her unusual.† â€Å"Unusual in what way?† â€Å"Mentally, however it's incomprehensible for me to go into subtleties, since I don't completely get it. Possibly I will, when she is genomed.† â€Å"How old is she?† â€Å"Twelve. She'll before long be thirteen.† â€Å"In that case, I'll need consent from her parents.† Seldon made a sound as if to speak. â€Å"That might be hard to get. I'm her granddad. Wouldn't my consent be enough?† â€Å"For me, absolutely. Be that as it may, you know, we're discussing the law. I don't wish to lose my permit to practice.† It was fundamental for Seldon to approach Raych once more. This, as well, was troublesome, as he fought again that he and his better half, Manella, needed Wanda to carry on with a typical existence of an ordinary young lady. Consider the possibility that her genome turned out to be strange. Would she be whisked away to be goaded and examined like a research facility example? Would Hari, in his over the top dedication to his Psychohistory Project, press Wanda into an existence of all work and no play, stopping her from other youngsters her age? However, Seldon was stubborn. â€Å"Trust me, Raych. I could never really hurt Wanda. Yet, this must be finished. I have to know Wanda's genome. In the event that it is as I presume it may be, we might be very nearly changing the course of psychohistory, of things to come of the Galaxy itself!† Thus Raych was convinced and some way or another he got Manella's assent, too. Furthermore, together, the three grown-ups took Wanda to Dr. Endelecki's office. Mian Endelecki welcomed them at the entryway. Her hair was a sparkling white, yet her face gave no indication old enough. She took a gander at the young lady, who strolled in with a look of interest all over yet without any indications of dread or dread. She at that point turned her look to the three grown-ups who had went with Wanda. Dr. Endelecki said with a grin, â€Å"Mother, father, and granddad am I right?† Seldon replied, â€Å"Absolutely right.† Raych looked hang-pooch and Manella, her face somewhat swollen and her eyes somewhat red, looked worn out. â€Å"Wanda,† started the specialist. â€Å"That is your name, isn't it?† â€Å"Yes, ma'am,† said Wanda in her intelligible voice. â€Å"I'm going to let you know precisely what I will do with you. You're correct given, I suppose.† â€Å"Yes, ma'am.† â€Å"Very well, at that point, I'll shower a little fix to your left side lower arm with a sedative. It will just fe

Duo Singapore Exchange Fellowship Award free essay sample

Application Essay †DUO-Singapore Exchange Fellowship Award First of all, I am happy that to be allowed to trade to Germany for my examinations in NUS. Germany is an incredible spot with numerous world-class colleges. Through the trade program, I will build the estimation of my degrees, as study abroad is a proof of autonomy, versatility and a readiness to take on a test. The DUO-Singapore Exchange Fellowship Award will important and supportive as the everyday costs in Germany is very high. This honor will assist with decreasing the weight of my folks as I won't need to stress over the accounts on my trade. The DUO-Singapore Exchange Fellowship grant will absolutely make the most grounded bond between the understudies from Europe and Asian ASEM part nations. With the assistance of this honor, I will have the option to open my sights by voyaging and concentrating in Germany in the coming semester. We will compose a custom exposition test on Pair Singapore Exchange Fellowship Award or then again any comparative point explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page As we as a whole know, training is the one of the columns connecting Singapore and Germany, particularly at the college level. I accept that understudies in Germany will have an incredible enthusiasm for Singapore as the lives in Singapore are a blend of West and the East, where you can't discover in wherever else. With the trade program and the assistance of DUO-Singapore Exchange Fellowship grants, I will get the opportunity the offer plans to the understudies and speakers in Germany in regards to the new program in Singapore, which is first presented in Asia. Moreover, as I am presently taking a shot at a three-year venture about the future transportation in Singapore, I may increase some understanding about the advancements in Germany through conversation or looks into with the educators and understudy in regards to on my task. Being an international student, it isn't just about close to home encounters, however in a greater setting, I am speaking to my college, NUS and furthermore Singapore. The vast majority of us don't have the chance to study or travel abroad regularly to have a vibe of various societies of different nations. Through the trade program, I will get the opportunity to inundated completely into another culture and improve my German with local people through day by day communications. I accept that the valuable experience of living in a remote nation must be fulfilling and vital. I trust that solid obligation of kinship will be created during my trade in Germany and we can unreservedly trade thoughts and perspectives. Speaking to NUS and Singapore, I will attempt my best to present the foundation or uniqueness of Singapore since it is a potential spot to remain and work here. It is my obligations, as a student from abroad, to elevate Singapore to the individuals in Germany. It is unquestionably a groundbreaking encounter to be an international student to Germany, yet it is just made conceivable with the assistance of DUO-Singapore Exchange Fellowship Award.

Friday, August 21, 2020

Health Hazards in Construction Research Paper Example | Topics and Well Written Essays - 2250 words

Wellbeing Hazards in Construction - Research Paper Example Outside specialists face a bunch of risks relying upon the kind of occupations, season, geographic area and the term of presentation. A peril alludes to a potential for hurt as reported by the Occupational Safety and Health Administration, OSHA (2012). For all intents and purposes, it would be an action or condition which, whenever left uncontrolled could cause ailment or injury. Subsequently, distinguishing such dangers and controlling, in any event, dispensing with them in great time would be gainful in forestalling ailments, wounds, and even passings. To do as such, a strategy that centers around the errands identified with a vocation in order to recognize and potential risks before their event, alluded by Weeks (2011) as employment peril examination, would be embraced. This method assesses the connection between the workplace and the specialist, assignments, and devices utilized. In a perfect world, the distinguishing proof of uncontrolled perils triggers the selection of procedu res that would decrease them to satisfactory dangers levels or totally dispense with them. Development is one of the open air industry divisions where occupation danger examination serves a critical job. Felperin (2013) sorts the development business as either legislative or private associated with the erection of structures for business or home purposes and open works that incorporate streets, burrows, extensions, air terminals, and dams among others. In this way, the development work involves building, fixing, keeping up, altering, redesigning or obliterating of such offices. In industrialized nations, development laborers comprise somewhere in the range of 5% and 10% of the all out workforce and comprehensively, 90% of these laborers are male. A dominant part of these are untalented workers.

Tuesday, August 11, 2020

Assignment 1 - PROFESSIONAL DEVELOPMENT PROGRAM Assignment

Assignment 1 - PROFESSIONAL DEVELOPMENT PROGRAM Assignment Assignment 1 - PROFESSIONAL DEVELOPMENT PROGRAM â€" Assignment Example > ContentsIntroductionA brief overview of the recipients of the training programsThe expected outcomeMultiple curriculum areasDealing with the studentsComprehensive needs analysisThe Assessment Detailed explanation of the development programThe matrixMarking instructionsProfessional Development Program: Training Unemployed youthUnemployed youth are mainly prone to scores of stress since they usually have income related problems and therefore it is always important to develop a friendly plan that will accommodate the metal state of the unemployed youth. Since these youths are destined for a building and construction site, the best thing is to come up with an orientation that will include all the basics of building technology that are related and one of the essential. Learning Outcomes: The program is aimed at ensuring that all the youths have in hand all the theory work and what is expected of them before they get on to the building site. This will ensure that they are faster and mor e efficient in their works and it will also be a good introduction into building technology. In class, there should be maps that have an entire construction site setup that will be used as demonstration (Perry 1975). Multiple curriculum areas: There are multiple curriculum areas since the course will also involve public and work relations which are very important to avoid negligence and ignorance at the work place. The core areas in the curriculum are the building styles and the concrete mixtures that need efficiency and economization. I will come up with a teaching strategy that will make all the students active participants in class. This will be done by ensuring that I always set a couple of minutes after the end of every class to ask a number of questions. I will have rewards that will work as incentives and this will motivate the students to listen so that they can get rewards at the end of the lesson. I will also ask questions while I am teaching and this will be done random ly and this will mainly be aimed at ensuring that the students are keen and attentive. I intend to have classes that last short periods to give the students enough time to relax between classes and to avoid bombarding the young minds with too much information at a go. This will allow them to digest the information in understandable bits. What is it that students will know and be able to do to demonstrate the intended outcome? The students will be able to learn various ways of handling cement jobs and concrete mixtures. They will also know how to put up steel structures prior to slab preparation and they will also know the durations that cement slabs need to be left untouched. They will know how to repair cement cracks and the ways in which they can alter the design to conform to the owner’s preference. The students will able to demonstrate using dummy structures what a slab looks like and how to create the steel structures. Student learning achievement curriculum specificI will ensure that by the end of the course I test the students on an actual construction site to make sure that they have understood. This will also make sure that the students have some practical knowledge of all the building works.

Saturday, June 20, 2020

How Family with Elders Influence the Asset Allocation of Household - Free Essay Example

ABSTRACT This paper tries to redo the model from the Bogan’s paper (Bogan,2014) with a more reasonable dataset. Although the data I used is insufficient large, it is convinced to use since the dataset from Bogan’s paper is nearly the same size. The time, however, is 2007 -2009 versus 2011 – 2015, which make more sense considering the financial crisis in 2008. By comparing the result of two different models, I have similar findings regarding having elder person in the household and also the number of kids on holding safe assets and risky assets. 1. INTRODUCTION As we could expect, there are many things could influence the decision of household about the next generation’s education. Despite the main factor would be the difference of their class, the education level or their parents, or the ethnicity/race, there are still a lot of interest factors which could influence the assets’ allocation of the household, especially the educational savings for the next generations. Although it has been researched by Vicki L. Bogan in â€Å"Household Asset Allocation, Offspring Education, and the Sandwich Generation†, household with elder dependent will tend to reduce the risk assets which indicate the reduction of next generations’ education saving, the data set being used is 2007 – 2009, which may cause some effects due to the financial crisis in 2008. Intuitively, people would tend to invest more in the safe asset while the expectation of the future is not well. In this case, having elder person in the household will decrease decreases the probability of risky asset holding by 0.129 (over twice as much as the household head having poor health) and decreases college savings account holding by 0.012 (twice as much as the household head having poor health) (Bogan, 2014). The reason I believe the result should not be representative is because the effect of the 2008 financial crisis seems not be considered in the paper. In the contrary, I will try to use the later data set to redo the process. What I expect is during year 2011 – 2015, there will be more representative result to explain what a household with elder person would influence the assets allocation, especially for next generations’ education savings. What I find is quite interesting. The result from those two different databases is very similar which indicates that how people decide the assets allocation of their family is not influence by the financial crisis, or we can say it influenced, but not in a very considerable dimension. From the paper â€Å"The Impact of Skewness and Fat Tails on the Asset Allocation Decision† by James X. Xiong and Thomas M. Idzorek, there should be a different allocation comparing with other time (James and Thomas, 2011), which leads to the idea that why there are two contrary results. The possible reason is the different to define the variables, the different model used and different database. 2. DATA The data I used is the 2016 SCF (Survey of Consumer Finances) which is the most recent survey conducted by the Federal Reserve System. Due to the large amount of questions containing in the survey, the sample size is just 31,240, not many people are willing to answer all the questions. The original data contains more than 5,000 variables, and most of the them is categorized by â€Å"yes† or â€Å"no†). The average age of this sample is 52. Only 40 percent of them are categorized as married right now, others may be divorced, widowed or others. Approximately 69 percent of the them have own at least one home. 93 percent of the household holds safe assets, while 30 percent of the household holds risky assets and nearly 3 percent of the household hold education saving account. In the situation I defined in this paper, dependent elder who does not have savings for the retirement or any emergencies and also over 65 years old is 20 percent of the household. The reason I defined dependent elder in this situation is because that over 65, people are more likely to retire and live without any wages. So, people without having any savings for emergencies and retirement would unlikely to solve the problem by his own, which indicates they need depend on someone whom more likely be their children. The variables I used for the final dataset are â€Å"id†, â€Å"age†, â€Å"kids†, â€Å"cgrad†, â€Å"married†, â€Å"black†, â€Å"hisp†, â€Å"employed†, â€Å"loginc†, â€Å"homeown†, â€Å"elderdum†, â€Å"Eexpcos†, â€Å"healthins†, â€Å"nothealthy†, â€Å"safe†, â€Å"risky† and â€Å"eduplan†. Among those variables, â€Å"cgrad†, â€Å"married†, â€Å"black†, â€Å"hisp†, â€Å"employed†, â€Å"homeown†, â€Å"elderdum†, â€Å"Eexpcos†, â€Å"healthins†, â€Å"nothealthy†, â€Å"safe†, â€Å"risky† and â€Å"eduplan† are dummy variables). â€Å"id† is ascending on the year which is 2011 to 2015 and the household who took the survey. Normally, the last number will represent the people and year according to this manner. â€Å"age† represents the age of household head, and to avoid any problems, like people may cross section to be count as different group, we assume the age is same for the last year. In other words, the age appears in the data represent the age of the head of household in 2015. â€Å"kids† represents to the number of children, including natural children, step children and foster children. To define â€Å"cgrad†, we first collect the information from all heads’ education levels, then categorized those levels as four type. (1: no high school diploma, 2: high school diploma, 3: some college or Assoc degree, 4: Bachelor’s degree or higher). Then we took all 3’s and 4’s as 1 in the â€Å"cgrad†, 0 otherwise. â€Å"married† represents the ma rital status of the head of household and we count the first two types as married. (1. Married; 2. Living with a partner; 3. Separated; 4. Divorced; 5. Widowed; 6. Never married). â€Å"black† and â€Å"hisp† represent black or African-American non-Hispanic and Hispanic or Latino respectively. â€Å"employed† represents those who work for someone else not self-employed, partnership with others, retired, disabled or under 65 and not working. â€Å"loginc† represents the log of the household income in previous calendar year. â€Å"homeown† represents whether the household has the house or mobile home. â€Å"elderdum† represents those who are over 65 years old and don’t have savings for the retirement or any emergencies, such like illness, medical or dental expenses. â€Å"Eexpcos† represents that there is a considerable amount savings for the expect cost of children’s’ future or college education. â€Å"healthins† represents those who have health insurance or have saving for future investment. â€Å"nothealthy† represents those who have poor healthy. â€Å"safe† represent all types of transactions accounts (including checking accounts, saving accounts, money market accounts, prepaid accounts and call accounts.), certificates of deposit, bonds (including tax-exempt bonds, mortgage-backed bonds and US government and government agency bonds and bills.). â€Å"risky† represent mutual funds (including stock mutual funds, tax-free bond mutual funds, government bond mutual funds and other bond mutual funds.) and all kinds of stocks. â€Å"eduplan† represents that household has education saving account or 529 plans. 3. MODEL AND RESULTS The model we use is similar with the one appears in the paper I found, but what I do is not only using probit model, but also using logitistic model. I try to explain the result better by comparing those two models and hopefully to have a different result as I expected. The three independent variables are number of kids, whether or not having a remarkable amount of kids’ education expense as dummy variable and the whether or not having elder person in the household as dummy variable. The three dependent variables are holding safe assets as dummy variable, holding risky assets as dummy variable and having education saving account as dummy variable. The control variables are those been shown be influenced in household investment and college savings behavior : log of household income (Bertaut, 1998), total household size (Keister, 2003), a respondent married dummy variable (DeVaney Chien, 2002), a respondent age variable (Yilmazer, 2008), a respondent college graduate dummy variable (Lee Hanna, 1995; Lefebvre, 2004), a respondent employed dummy variable, a respondent managerial or professional occupation dummy variable (Bogan, 2008), a home owner dummy variable (Babiarz Yilmazer, 2001; Lefebvre, 2004), a poor health dummy variable (Rosen Wu, 2004; DeVaney Chien, 2002), a has health insurance dummy variable (Bogan Fertig, 2013), a year 2009 dummy variable, and race dummy variables (Bogan, 2013). For probit model, the reason I use it is that all dependent variables are binary variables. If we use linear regression model, the result will show the model and data doesn’t fit. If we can transform dependent variables into continuous variables, then we take those transformed variables as probability between 0 and 1 as a cumulative normal distribution ?. Then from Y= ?(X? + ?), we can conclude ?-1(Y) = X? + ? or in this case, ?-1(Yit) = ?0 + ktXikt + ?it. Where i refers to safe assets, risky assets and education saving account, k refers to those three dependent variables, and t refers different time periods, which in this case year. By running probit model in STATA, we find out that in this case, the data fits all three probit models very well (the models are statistically significant because the p-value is less than .000). here is the table that summarize all three tables. As we can see from the summary table of probit model, the number of kids will decrease the probability of holding safe assets, while the number of kids will increase the probability of holding risky assets and education saving accounts. (all of them are significant at 0.01 level). Having a remarkable amount of kids’ education expense in the future will decrease the probability of holding safe assets, while the expect education expense will increase the probability of having educational saving accounts. (expect cost for future education expense to hold safe assets is significant at 0.1 level, while having educational saving accounts is significant at 0.01 level). Having elder person in the household will increase the probability of holding safe assets, while having elder person in household will decrease the probability of holding risky assets and having educational saving accounts. (all of them are significant at 0.01 level). To have a better idea about the result, I then choose to use logistic model to enforce the result I have above. The reason I use logistic model rather than logit model is that logistic model is easier to interpret. Since the dependent variables are binary variable with values 0 and 1, if we let p = E(Y|X) then the logistic model would be log(p/(1-p)) = ?0 + ktXikt, where ?0 is the odds ratio of constant, ktXikt is the summation of the odds ratio times three different independent variables. VARIABLES safe risky eduplan kids -0.172*** 0.157*** 1.079*** (0.0422) (0.0370) (0.130) Eexpcos -0.233*** 0.0399 0.491*** (0.0806) (0.0588) (0.117) elderdum 0.373*** -0.553*** -0.973*** (0.0905) (0.0465) (0.160) Constant -11.21*** -6.590*** -7.244*** (0.429) (0.186) (0.435) Observations 30,983 30,983 30,983 Robust standard errors in parentheses *** p

Saturday, May 23, 2020

Management - 1019 Words

On-Line Therapy BSHS 352 On-Line Therapy Like most traditional therapies, online counseling and support could have various effects on various people. Most of those who need mental health services, they have varying personal needs and not everyone could benefit from an online support. There are also people that would find what they are looking for on online mental health services. They are also who would feel more comfortable finding restorative assistance at their own homes rather than typical doctor’s visit. In the Stress Group website, an individual could find essential information in various categories such as depression, anger management, anxiety, counseling and therapy,†¦show more content†¦The online support group works similarly with the traditional group therapy discussions wherein the basic organizational structure and regulations are still in effect without the need to go personally into the sessions. DBSA informs their clients that just like the traditional therapy meetings, client s in online sessions are guaranteed confidentially. Whatever things that has been said in online sessions, stays within the group. It is similar in meeting for Alcoholics Anonymous (DBSA, 2011). Nowadays, there are no existing laws in California that prohibit professionals from offering online services to their clients. However, the time would come wherein certain regulations would be implemented as to what types of services would be provided online. When such a time would come, online therapy sessions would become more accepted as a way of acquiring mental health service (Leslie, 1999). However, Minnesota has promulgated an internet therapy committee which consists of professional therapist, who started to be more aware that the online therapy sessions are becoming more popular. The committee has assisted on creating a set of regulations that would cover all internet services to make sure that all sessions were done in the same ethical and moral standards as traditional services ar eShow MoreRelatedManagement : Management And Management1504 Words   |  7 Pagesassuring an organization to be able to run smoothly is called as Management. Managers are capable to make decisions that will impact an organization in every phase. These decisions vary from employing new staff to taking a company public. Management is not an easy task, and good managers are highly respected. Management is like investment. Its main purpose is to extract the most out of every resource available in the organization. Management can be called as achieving targets in such a way that all theRead MoreManagement : Management And Management Essay1740 Words   |  7 Pagesproposals, and compliance training must meet the standards and requirements of both organizational structures, requiring Mr. Aranda to be fluent in both organizational cultures. Mr. Aranda was chosen for this project due to my observance of his management capabilities over the past twelve years. Mr. Aranda was an engineering technician who then earned a BS in business, resulting in being promoted to Engineering Manager, which enabled me to observe his triumphs and failures, and watch the evolutionRead MoreManagement Theory Of Management And Management937 Words   |  4 Pagesbeen used in company management. However, management of company could not be effective if only rely on theories. In fact, a good company development requires not only suitable theories selection but also consistency with practice in appropriate organization environment. Further, a company’s successful also need team work, creatively to together process. This essay focuses on how to make the company management effectively with some cases. There is no doubt that theory of management plays an importantRead MoreThe Theory Of Management And Management1690 Words   |  7 PagesIntroduction Management is one of the remarkable activities within human society began with a group or to an larger organization that are able to accomplish a same goals and objectives, by defining what is management and how is important to human being society many management theorists have produces (many models that can be used for successful organization change and winners respond to the past and complexity of change and adapt learn and act quickly (Mildred,G. Sonia T. 2008 ) different theoriesRead MoreLeadership, Management And Management1081 Words   |  5 PagesLeadership and Management Businesses require some sort of hierarchy of power to be successful. They cannot operate on the basis that everyone has the same job level if they plan to make a profit. However, the individuals that are placed in the higher power positions fall into two categories, leaders and managers. Many would say these are the same thing, when in reality they are not. They are two different styles that are used when operating a business and using the right one at the right time isRead MoreLeadership, Management, And Management876 Words   |  4 PagesLeadership and Management Name Institutional Affiliation Leadership and Management The achievements of organizations depend on their management and the manner in which their leaders conduct several operations within the organization. It is worth mentioning that successful organizations attribute their positive impacts in the market and general employee-employer relation to the influence spearheaded by the management team (Hiriyappa, 2013). This paper narrows down to evaluateRead MoreManagement And Functions Of Management1063 Words   |  5 PagesManagement in business and associations is the capacity that facilitates the endeavors of individuals to achieve objectives and targets utilizing accessible assets proficiently and adequately. Management includes planning, arranging, staffing, heading or steering, and controlling an association to achieve the objective. Resourcing includes the arrangement and control of human assets, budgetary assets, innovative assets, and regular assets. Administration is additionally a scholarly teach, a socialRead MoreQuality Management : Management And Management932 Words   |  4 Pageslines, it became more commonly understood that quality management may help organizations to repeat work less often, as the initial product or service that was delivered, was of a higher caliber, resulting favorably for the company as well as for the client. 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Monday, May 18, 2020

The Firm Lancaster Colony Corporation - 1108 Words

Kimber Harrison November 1, 2015 FIN Analysis Paper The Firm: Lancaster Colony Corp. Lancaster Colony Corporation specializes in making salad dressings, dips, Texas toast, croutons, and homemade rolls. Lancaster offers retail products as well as foodservice products. It’s top brands include Marzetti ®, New York Brand ®, and Sister Schubert’s ®. The company started in 1961 when several companies combined to be a manufacturer of small glass and housewares products. It wasn’t until 1969, with the purchase of T. Marzetti Company, that Lancaster entered the specialty food business. Lancaster has paid consecutive quarterly dividends since just a few years after its genesis, and part of their strategy is rewarding shareholders through annual†¦show more content†¦The majority of the specialty food market grew between 2012 and 2014, with an overall growth of 19.2 percent. The specialty food industry has been the fastest growing segment of the overall food industry. There have been shifts toward non-GMO foods that are naturally or organical ly produced. This shift is caused by an increase in health awareness, cooking at home, and an increase in environmentally conscience customers. The top cuisines include Mediterranean, Italian, Latin, and Spanish. Balance Sheet According to Lancaster Colony’s Balance Sheet, the company is doing well. Overall, it had consistent growth until it’s fourth year in 2014, where there was a slight dip. While 2015 is lower than 2014, its numbers are still fairly healthy. First, we’ll look at total cash, an important asset for any company. Lancaster’s total cash for 2015 is lower than that of 2014, but it is still higher than the five-year average. Lancaster’s total cash seems to indicate that they are growing at a good rate—not so fast that they can’t keep up, but not too slow so that they don’t have access to the cash they need. Their cash flow is consistent, which is a good sign. Lancaster Colony’s inventories are also notable. There was a sharp decrease in the third year, after which it leveled out. Next, I’ll look at Lancaster’s total current

Tuesday, May 12, 2020

Roles Of A Financial Manager - 861 Words

The Roles of a Financial Manager are many, but their primary goal is to warrant growth of the proprietor’s wealth and to ensure maximum profit of the company. When a financial manager achieves his or her personal goals of a company, they too will be successful, (Moyer, et al, 2008). The decisions of financial managers are capital structure, working capital management and capital budgeting. A financial manager has to decide on the type of investments that the company should undertake (Siegel Shim, 2009). Financial managers help the company make decisions on how the company invests their funds; company has to have a diversity of real assets in order to operate successfully. Most of the company’s assets are tangible, meaning things such as machinery the company use, offices equipment etc.†¦; the company’s trademark, and patents are intangible. In order for the company to pay for all of their assets it has to sell assets, or securities, for instances, if a company borrows money from a financial institution, the financial institution would have that financial asset; in turn that asset gives an institutional claim on the interest payments. Therefore, the company’s real assets need to produce sufficient revenue to satisfy the financial instit ution s entitlements. Their decisions on working capital management involve short-term assets of the corporation, such as inventory, cash, and debtors. In most situation financial accounting of the firm overlaps with financial management,Show MoreRelatedRole of the Financial Manager1139 Words   |  5 PagesRole of the Financial Manager Paper Introduction Shareholders own companies and are therefore entitled to a return on their investments when the companies are performing well. It becomes the financial managers role to ensure that shareholders are receiving a maximum return on their investment. This project will concentrate on defining the different roles and objectives of financial managers in their attempt to maximize shareholder value. Furthermore, the viewpoint of stockholders will alsoRead MoreRole of Financial Manager1220 Words   |  5 PagesRole of the Financial Manager The role of the financial manager has changed drastically during recent years. Previously, financial managers were seen as the stewards of the organization, since they were responsible to ensure the accountability of all organizational assets and to generate accurate financial reports. Today, their main goal is to maximize shareholder value. In order to achieve this goal, they have to be information managers, cost managers, controllers, consultants, and risk managersRead More Role of Financial Manager Essay657 Words   |  3 PagesWhen I think of a financial manager, accountant quickly comes to mind. The role of accountant and financial manager are similar in several ways and often times they work closely together on various projects. The role of an Accountant is to ensure that their organization is run efficiently, make sure their records are accurate, and that their taxes are paid properly and on time. Accountants perform a broad range of accounting, auditing, tax, and consult ing activities for their clients. They recordRead MoreRole Of The Financial Manager On Today s Business World Essay1797 Words   |  8 Pages The role of the financial Manager in today’s business world has been rapidly changing. The change is fuelled by technology innovation in particularly, digital technology and increasing information processing power. Since the financial crisis in 2008, firms have been working to restructure their operations as a means of survival. This has led to the modification of many management roles, more so the role of the Chief Financial Officer (CFO). As a means for survival, firms started by cutting onRead MoreRole Of Financial Manager Responsible For The World s Third Largest Entertainment Corporation Essay2019 Words   |  9 PagesChinese company ranked as the world’s second largest entertainment corporation. During this negotiation, Andy will be the senior manager responsible for permits issues, Kristine will have the role of fina ncial manager responsible for financial demands, Linh will be the marketing manager responsible for press release issues and finally Laetitia will be the international manager responsible for issues regarding visas. Our goal is to find solutions concerning the main issues. Moreover, we would like toRead MoreChoosing A Long Term Career Essay1255 Words   |  6 Pagescomprised of positions such as Company Controller, Director of Finance, as well as Chief Financial Officer. Finance managers act as the responsible party for the financial health of an organization. As a Finance Manager, it is a requirement to both develop and motivate staff. Financial managers require an in-depth working knowledge of the entire financial industry. The Finance manager plays a crucial role in how the organization functions collectively. I will benefit from the information in thisRead MoreFunctional Areas of Business1020 Words   |  5 Pagescoordinating employee benefits, and coordinating employee training and development strategies. Human resources personnel function as consultants to the managers in a business, advising them on issues that relate to the employees and help layout how managers are essential to t he overall success of an organization. The HRM form relationships with managers in the organization, collaborating continuously on how to best develop employees’ skills. In some organizations employees need to have the ability andRead MoreCareer Choice For Becoming A Finance Manager1505 Words   |  7 PagesCareer Choice: Aspiring to Become a Finance Manager Introduction Choosing a long term career is an essential life decision. Therefore, I have concluded that my five-year objective consists of obtaining my degree as well as pursuing a career in Management within the Finance industry. With 15 years of finance experience achieved it makes considerable sense to continue my pursuit within this industry. This provides a significant amount of available career options. Career options include managementRead MoreWhy I Want For A Financial Manager1721 Words   |  7 PagesPart One: Why I Want to Be a Financial Manager It all started a few years back when I realized that I wanted to enter a career in the world of business and finance. However, it came to me after seeing movies about people in the finance world, and after hearing information from my cousins and dad who went to school to study economics and business. Everything about this career path was enormously intriguing to me, and it was something that I knew right away, would be for me. One example of a movieRead MoreCorporate Governance : Walmart Inc.1544 Words   |  7 Pagesout the rights and responsibilities of all the stakeholders within that company. (Brusseau, 2012) The stakeholders can be anyone with interest in the business such as shareholders, governments, communities, customers, suppliers, financiers, and or managers. Corporate governance provides the structure on how the companies will establish their objectives. (Brusseau, 2012) The objectives of the companies also incorporate all levels of management such as plans, performance and key functions that allows

Wednesday, May 6, 2020

Economic Theories and Theorists Essay - 1212 Words

1. Response of socialism to Classical liberalism: Classical liberalism is an ideology that embraces the principles of individualism such as rule of law, individual rights and freedoms, private property, economic freedom, self-interest, competition. Classical liberalism stresses the importance of human rationality. Just as it values, political freedom, classical liberalism also holds freedom to be the basic standard in economics, and believes the most beneficial economic system to be the free market. Whereas, the term socialism, when generally used refers to any ideology that believes that resources should be controlled by the public for the benefit of everyone in society and not by private interests for the benefit of private owners and†¦show more content†¦This began to change in the 1960s and 1970s, and Hayeks theories gradually started becoming more and more widely accepted. Most of Hayek’s work from the 1920s through the 1930s was in the Austrian theory of business cycles and capital and monetary theory. Hayek saw, that the price system did a remarkable job of co-coordinating peoples actions, even though that co-ordination was not part of anyone’s intent. Hayek believed that the market was unplanned and was not designed by anyone. However, it did evolve slowly as a result of human actions. Nevertheless, no market works perfectly causing booms and busts throughout the market. The Boom and Bust Cycles: In Hayek’s opinion one cause for the cause of the booms and bust in a free-market economy, was an increase in the supply of money created by the central bank. Such increases caused an in prices and production, driving down interest rates, making credit artificially cheap. Causing businessmen to make capital investments that they would not have made if they had understood that they were getting distorted price signals from the credit market. However, capital investments are not homogeneous (all alike). Proving that long-term investments are more sensitive to interest rates than short-term ones, just as long-term bonds are more interest sensitive than treasury bills. Therefore, Hayek concluded that artificially low interest rates not only cause investment to be artificiallyShow MoreRelatedThe Marxist Theory Is The Political And Economic Theories Influenced By German Theorists852 Words   |  4 PagesThe Marxist theory is the political and economic theories originated by German theorists: Karl Marx and Friedrich Engels. Marx was born in Germany in 1818 and studied philosophy and law. He was among many the most important authors of sociology and was best known as the â€Å"father of Marxism† (McIntyre, 21). Along with Friedrich Engels, he wrote and published The Communist Manifesto. 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Compare of Cococolla and Pepsi Companies Financial Statements Free Essays

string(80) " the other hand Saiham textile had only425,320,371 tk total asset in 2003-2004\." Comp In our country textile companies are doing very well business. So many competitors are in this sector. Lots of new companies entered this market. We will write a custom essay sample on Compare of Cococolla and Pepsi Companies Financial Statements or any similar topic only for you Order Now From all of them we choose two cement company for our report. We collect their financial statement amp; analyze them within three methods amp; we identify their comparative advantage. 1. 1 Origin :This is the report comes from our FIN-245 subject. The course instructor Ms. Tarana Majid orally authorized the task of preparing the report to a group of student. She gave this report to learn the way to analyze the financial statements.To follow the syllabus of our subject so we have to do some relevant study based on our report. That’s why this topic comes forward. 1. 2 Scope :We worked on Ashraf textile mills ltd. amp; Saiham textile mills ltd for our report. 1. 3 Limitat ion:We are very happy because we made our report within some limitations and overcome it almost. For prepare this report we faced some barrier. When we prepared this report all necessary data is not available. For this we assume some of the data to complete the report. On the other hand when we go to collect the financial statement we were unable to found our needed statement books.Finally, one limitation was on shortage of knowledge that was reduced to make this report a better one. 1. 4 Sour ce of Data:For our report we collect data for finding amp; analysis. At first we collected the annual report amp; take financial statements of two companies’. We also collected some data from the internet. 1. 5 Methodol ogy : As a rule, we had to follow a particular method for collecting data to complete the report accurately. At first we make Income Statement, Balance Sheet amp; Cash Flow on a excel sheet. Than we analysis the Income Statement amp; the Balance Sheet using the common sizing amp; indexing method.Finally we used the eleven financial ratios for our ratio analysis. 2 2. 0 Brief History of company: Saiham Textile Ltd. Late Syed Sayeed Uddin Ahmed amp; Begum Hamida Banu, in remembrance of whom, Saiham Textile Mills Limited has derived the name of the company; would have been proud to know how well their offspring have managed and extended the organization. Saiham Textile Mills was set up in Noyapara, Hobiganj district in the year 1982 with an annual capacity of 7. 5 m yards of finished cloth. It was equipped with modern and sophisticated machineries from Japan.Initially it was a weaving, dyeing printing and finishing plant. Saiham Textile claims to be the pioneer in introducing the concept of modern fabrics in Bangladesh. They were one of the first textile mills to start international standard polyester fabric, TC fabric, synthetic and Georgette sarees with cross border. The mother company of the present conglomerate is now comprised of different industrial concerns. The entrepreneurship of Saiham, consists of five directors, all from the same family. Although a company run and managed by relatives, the standard and efficiency of the management does not compromise on its quality. Ashraf Textile mills Ltd. Ashraf textile mills ltd is one of the another company which is run and managed by relatives, the standard and efficiency of the management does not compromise on its quality. Addressed: Ashraf Textile Mills Ltd. New DOSH, Mohakhali Dhaka – 1212 Ph : 9887051-53 Fax : 9887033 3 3 . 0 Findings amp; Analysis: According to our report subject our main objective is identifying the difference between two companies financial statement. Also we want to find out which company is more stable amp; which is not stable.From the financial statement we can find out our requirements. In below we give our finding amp; analysis in basis of company’s financial statement. 3. 1 Analyze of Income Statement, Balance Sheet between two companies’s: In below we are going to discuss about the two companies balance sheet, Income Statement amp; Cash flow comparison in a briefly : 3. 1. 1 Balance Sheet Comparison: Assets: From the balance sheet of the both companies we can identify that Ashraf textile had504,741,251 tk total assets in 2005 but on the other hand Saiham textile had only425,320,371 tk total asset in 2003-2004. You read "Compare of Cococolla and Pepsi Companies Financial Statements" in category "Papers"Next year Ashraf textile companies total asset was decreased and Saiham textile company’s total assets increase and in 2007 Ashraf textile reached in167,726,578 tk whereas in 2005-2006 Saiham textile’s total asset436,650,516 tk. For the total asset volume we can say that Saiham textile has more powerful rather than Ashraf textile. Liability: The total liability we saw that Ashraf textile had623,823,012 tk liabilities in 2005 amp; Saiham textile had152,581,718tk only in 2003-2004. Both companies’ liabilities were also increased in next year. But clearly we can comments that Ashraf textile had least liability than the Saiham textile.How ever Saiham textile had the more Net asset than the Ashraf textile. share holder’s equity we can easily understand that Saiham textile had the more equity and it was 818,663,635 tk for 2004-06 amp; Ashraf textile had -1,123,244,182. So we can say that Saiham textile had the more investment in the market. 4 3. 1. 2 Income Statement Comparison: From our income statement we can identify that Saiham textile has a profit 74,932,529tk in 2004 amp;52,001,246 tk in 2005 amp;57,295,427 tk in 2006. From this we can say that the profit is decreasing by next two years.And this shows that sale for Saiham textile decreasing during the next two year. On the other hand Ashraf textile is in a loss of-62,609,854 tk in 2005 amp; -122,738,787 tk in 2006 amp;-14,064,257 tk in 2007. They continue their business in loss where Saiham textile doing their business with profitability. 3. 1. 3 Analyzing Common Sizing amp; Indexing: In common size analysis we express the various components of a balance sheet as percentage of the total assets of the company. In addition this can be done for the income statement,but here items are releted to net sales.In Ashraf textile balance sheets over the three year span the percentage of current assets increased. On the other hand Saiham textile current assets fluctuated. We see that Ashraf textile account receivable showed a relative diccreased from 2005 to 2007. Saiham textile account receivable flactuated from 2003-04 to 2005-2006. On the liability amp; equity portion of the balance sheets, Ashraf textile total debt of the company decline on a relative basis from 2005 to 2007. but Saiham textile total debt diccreased in 2004-2005 amp; increased in 2005-2006.The common size income statement show the gross profit/loss margin from year to year. We see that Ashraf textile operating expenses increase year to year amp; in 2007 increases sharply. whereas Saiham textile operating expenses diccreased in 2004-2005 amp; increase again in 2005-2006. In 2005-2007 Ashraf textile’s net profit had negetive percentage, whereas Saiham textile’s net profit increased. In indexes analysis all financial statement items are 100%. In 2006 amp; 2007 Ashraf textile current assets indexed is 91. 53 amp; 9. 95 whereas Saiham textile current assets s indexed is 116. 26 amp; 100. 3 in 2004-2005 amp; 2005-2006. The indexed income statements give much the same picture as the common size income statements – namely, fluctuating behavior. In Ashraf textile income statement total gross loss indexed are 100, 196. 037491 amp; 22. 46332822 in 2005 , 2006 amp; 2007. Whereas Saiham textile’s gross profit are 100, 69. 3974 amp; 76. 4626 in 2003-04, 2004-05 amp; 2005-2006. 5 4. 0 Financial Statement Analysis by ratio: For the performance measurement of Ashraf textile amp; Saiham textile mills Ltd. In below we are going to analysis about the two companies financial statement using ratio analysis.We used 11 methods to analyze the ratio. Here are belongs: 4. 1 Liquidity Ratio: i) Current Ratio: Current assets divided by current liabilities. It shows a firm’s ability to cover its current liabilities with its current assets. In below there is the graph of the two textile company’s current ratio: 0 0. 2 0. 4 ratio year current ratio(Ashraf textile) Series10. 32332 0. 13204 0. 16733 2005 2006 2007 01 2 ratio year current ratio(Saiham textile) Series11. 044 0. 764 0. 982 2003- 2004- 2005- From the graph we can see that Ashraf textile current ratio is 0. 32 times in 2005 and 0. 67 times in 2007. Here we see that current ratio has been decreased and go down in less than 1. On the other hand Saiham textile current ratio is 1. 044 in 2003-04 amp; next two year stay remain but it also be below the 1 and from the Ashraf textile. In the last year for both company we suggested that the current liabilities cannot be covered if existing current asset are liquated at their book values. 6 ii)Quick Ratio: Current assets less inventories divided by current liabilities. It shows a firms ability to meet current liabilities with its most liquid assets. 0 0. 05 0. 1 0. 15 0. 2 ratio ye arQuick ratio(Ashraf textile) Series10. 197173 0. 069725 0. 138913 2005 2006 2007 0 0. 1 0. 2 0. 3 0. 4 ratio year Quick ratio(Saiham textile) Series10. 2643053 0. 15642413 0. 38213114 2003-2004 2004-2005 2005-2006 From the graph we can easily identify that in 2006 Ashraf textile amp; Saiham textile quick ratio is decreased dramatically. We say that in the last year of the both company’s quick ratio increased. But Saiham textile has good position than the Ashraf textile. 4. 2 Financial Leverage debt ratio: i)Debt-To-Equity: Ratios that show the extent to which the firm is financed by debt. – 100 Ratio yearDebt to Equity(Ashraf textile) Series1-5. 239 -2. 17 -1. 253 2005 2006 2007 0 0. 51 Ratio year Debt to Equity(Saiham textile) Series10. 559443 0. 887395 0. 59995 2003- 2004- 2005- If we consider the year 2007 of Ashraf textile, the ratio is -1. 253 that creditors are providing for each tk 1. In the case of Saiham textile in 2005- 2006 the ratio is 0. 599 that creditors are providing. So we can say that Ashraf textile is in a better position than the Saiham textile. 7 ii) Debt-To-Total Asset Ratio: The debt to total asset ratio is derived by dividing a firm’s total debt by its total assets. 0246 ratio ear Sebt to Assets (Ashraf textile) Series11. 235926 1. 854987 4. 95805 2005 2006 2007 0 0. 2 0. 4 0. 6 ratio year Debt to Assets(Saiham textile) Series10. 358745 0. 470169 0. 374981 2003- 2004- 2005- From the graph we can realize that Ashraf textile ratio is more than Saiham textile in their last three year. We know that the higher the debt to assets ratio, the greater the financial risk; the lower the ratio, the lower the risk. So Ashraf textile has more risk than the Saiham textile. 4. 3 Coverage Ratio: i) Interest Coverage Ratio: Ratio earning before interest and taxes divided by interest charges.It indicates a firm’s ability to cover interest charges. It is also called times interest earned. 0 0. 51 1. 5 2 2. 5 3 ratio year Interest coverage(Ashraf textile) Series1 Series11. 7272998 2. 7067618 0. 3935626 2005 2006 2007 012345 ratio year Interest coverage(Saiham textile) Series14. 3453871 3. 1634257 2. 5946142 2003- 2004- 2005- This ratio serves as one measure of the firm’s ability to meet its interest payments and thus avoid bankruptcy. The higher the ratio the greater company could cover its interest payment without difficulty.So analyze after the two graphs we can said that Saiham textile has more interest coverage than the Ashraf textile Cement. Ashraf textile ratio is fluctuated highly in 2007. 8 4. 4 Activity Ratio: i) Receivable Turnover: the receivable turnover ratio provides insight into the equality of the firm’s receivables and how to successful the firm is in is collections. This ratio is calculated by dividing receivables into annual net credit sales. 0 20 40 60 80 100 120 140 Days year Receivable turnover(Ashraf textile) Series1 101 6 125 2005 2006 2007 0 10 20 30 40 50 Day Ye ar Receivable turnover (Saiham textile)Series1 14 6 42 2003-2004 2004-2005 2005-2006 From the graph we can say that Ashraf textile received their receivable money from the buyers within 101 days in 2005, 6 days in 2006 amp; 125 days in 2007. On the other, Saiham textile received within 14 day in 2003-2004, 6 day in 2004-2005 and 42 days in 2005-2006. Eventually we can say that Saiham textile was received money within short time rather than the Ashraf textile. ii) PAYABLE TURNOVER: There may be occasions when a firm wants to study in own promptness of payment to suppliers or that of a poten tial credit customer.This ratio is calculated by dividing purchase into total A/C payable. 0 50000 100000 150000 200000 250000 300000 350000 400000 Days year Payable turnover(Ashraf textile) Series1 138 276 360420 2005 2006 2007 05 10 15 20 25 30 35 Days year Payable turnover(Saiham textile) Series1 35 10 15 2003-2004 2004-2005 2005-2006 From the graph we can say that Ashraf textile paid their payable money to the sales within 138 days in 2005, 276 days in 2006 amp; 360420 days in 2007. On the other, Saiham textile paid within 35 day in 2003-2004, 10 day in 2004-2005 and 15 days in 2005-2006.Eventually we can say that Saiham textile was paid money within short time rather than the Ashraf textile. 9 iii) INVENTORY ACTIVITY: To help determine how effectively the firm is managing inventory and also to gain an indication of the liquidity of inventory. This ratio is calculated by dividing inventory into COGS. 0 100 200 300 400 Days year Inventory Activity(Ashraf textile) Series1 60 53 369 2005 2006 2007 0 50 100 150 200 250 Days year Inventory Activity(Saiham textile) S eries1 170 225 176 2003-2004 2004-2005 2005- 2006 The figures tell us how many days, on average, before inventory is turned into accounts receivable through sales.Here we see that Ashraf textile was faster than Saiham textile in case of inventory activity. iv) TOTAL ASSET TURNOVER: The relationship of net sales to total assets is known as the total asset turnover, or capital turnover. 0 0. 1 0. 2 0. 3 0. 4 0. 5 0. 6 0. 7 ratio year Total asset turnover(Ashraf textile) Series10. 6780095 0. 4476056 0. 05087134 2005 2006 2007 0 0. 1 0. 2 0. 3 0. 4 0. 5 0. 6 0. 7 0. 8 ratio year Total Asset turnover(Saiham textile) Series10. 77632571 0. 56348701 0. 5969018 2003-2004 2004-2005 2005-2006 The median total asset turnover for the industry is 1. 66.For this ratio analysis we saw that Ashraf textile amp; Saiham textile both are less efficient than the industry in this regard. On the other hand Saiham textile is in a better position than the Ashraf textile. 10 4. 5 Profitability Ratio: i) PROFITABILITY RATIO IN RELATION TO SALES: The ratio we consider is the gross profit margin or simply gross profit divided by net sales. 0 0. 51 1. 5 2 2. 5 3 3. 5 4 ratio year Profitability in ratio to sales(Ashraf textile) Series12. 1829524 2. 6889593973. 648320722 2005 2006 2007 1. 74 1. 75 1. 76 1. 77 1. 78 1. 79 1. 8 1. 81 1. 82 1. 83 ratio year Profitability in relation to ales(Saiham textile) S eries11. 773060426 1. 820902862 1. 780171958 2003- 2004 2004- 2005 2005- 2006 It is a measure of the efficiency of the firm’s operations, as well as an indication of how products are priced. From the above graphs we saw that Ashraf textile has relatively more effective at producing and selling products above cost.ii)PROFITABILITY RATIO IN RELATION TO INVESTMENT: this profitability ratio relates profits to investment. One of those measures is the rate of return on investment, or return on asset. -2 -1. 5 -1 – 0. 50 ratio year Profitability in relation to investment(Ashraf textile) S eries1-0. 35798631 -0. 507839396 -1. 707107588 2005 2006 2007 0 0. 005 0. 01 0. 015 0. 02 0. 025 ratio year Profitability in relation to investment(Saiham textile) Series10. 023235772 0. 018004789 0. 023118956 2003- 2004 2004- 2005 2005- 2006 The standard ratio compares for this is nearly 8%. From our analysis we found that Saiham textile ratio simply fluctuates. Their percentage is not so good. On the other handAshraf textile had negative percentage from 2005- 2007. 11 5. 0Conclusion: We examine the analysis of Ashraf textile amp; Saiham textile mills ltd. We see that the liquidity position is nit good both of the company.Comparatively Saiham textile better than Ashraf textile mills ltd. Ashraf textile mills ltd. should change the credit policy amp; proper use of its assets. The profitability ratio of Ashraf textile mills ltd. Good than the Saiham textile mills ltd. The company should avoid the use of debt; otherwise company would be fall into bankruptcy. 12 6.Bibliography: i) Annual report- -Ashraf textile mills ltd. For the year of 2005, 2006 amp; 2007. -Saiham textile mills ltd. For the year of 2003- 2004, 2004-2005 amp; 2005-2006. ii) Fundamental of financial management (Twelfth edition) -James C. Van Horne amp; John M How to cite Compare of Cococolla and Pepsi Companies Financial Statements, Papers

Sports And Agression Essay Research Paper Sports free essay sample

Sports And Agression Essay, Research Paper Sports and Aggression A Research Paper Presented to # 8212 ; # 8212 ; # 8211 ; at # 8212 ; # 8212 ; # 8212 ; # 8212 ; # 8212 ; # 8212 ; # 8212 ; # 8212 ; # 8212 ; # 8212 ; # 8212 ; # 8212 ; # 8211 ; In Partial Fulfillment of the Requirements for English 12A By # 8212 ; # 8212 ; # 8212 ; # 8212 ; # 8212 ; # 8212 ; # 8212 ; # 8212 ; Period 1 March 27, 2000 Make athleticss make aggressive behaviour, or merely attract people who are already aggressive? Aggression and athletics have gone together every bit long as athleticss have been around, be it the participants themselves, to the parents, managers, or witnesss, they merely seem to be an inseparable portion of each other. The term force is defined as physical assault based on entire neglect for the well being of ego and others, or the purpose to wound another individual ( 2. Coakley ) . Intimidation normally does non do physical injury, but frequently is designed to bring forth psychological effects, enabling one individual to physically over power or rule another. These statements as defined by the writer, Jay J. Coakley, is what people today have made a must portion on athletics. Pleasure and engagement athleticss perfectly can non be grouped with power and public presentation athleticss when in relation to aggression.Pleasure athleticss are merely played for pleasance. Mark is normally non maintain. The jocks take parting are normally on juncture making it for merriment and exercising. A bulk of jocks who have been playing athleticss since they were small, have likely been pounded into their caputs that to be successful in athletics, you need to be aggressive, and at some times, unneeded. Besides that to acquire what you want, you have to travel at it with all force. Not that this is incorrect but, this attitude in today # 8217 ; s society has been a major job factor to the jocks when they get older, to acquire into problem with the jurisprudence. Those long-run effects of so called subject, patterns develops these destructive behaviours. ( 9. Montague ) Although some people are still in belief that aggressive behaviours in all signifiers, are grounded int o inherent aptitudes, but they besides relate these actions to athleticss. Their parents played, who were known for their aggressive behaviour, so the kid feels that they have to populate up to that outlook. ( 6. Storr ) Athletes do hold to be aggressive to a point, so that the squad can organize a scheme to win. There is besides a bound to aggression when it turns into force. Peoples might state that it # 8217 ; s non aggression or force, it # 8217 ; s merely adrenaline pumping. Adrenaline International Relations and Security Network # 8217 ; t even similar to force. Aggression, possibly, but nil that would be harmful to anyone else. This might be a factor to why contact athleticss are so popular. For illustration, football, hockey, rugger, wrestle, and packaging. Contrary to anticipations of replete theory, several surveies show that contact athleticss exist and thrive in the same societies that have high rates of aggression and force. Unfortunately, another belief is that cont act athleticss Teach subject, self-respect, and self-defence. ( 8. May ) Contact athleticss aren # 8217 ; t a positive manner to learn these things. Bing physically tough aid, but it besides needs to be left on the field when the game is over. This can besides take to the maltreatment of household, girlfriends, fellows, friends, and any other individual who gets in their # 8220 ; manner # 8221 ; , because jocks use these athleticss as a manner to acquire their aggression and cholers out. ( 10. Hauser, Powers, Noam ) Other # 8217 ; s might reason that it # 8217 ; s skill, and non in the least manner violent. Although we truly can # 8217 ; t give a heterosexual and to the point reply to the inquiry # 8220 ; Is aggression an Instinct? # 8221 ; We can state that in adult male, as in other animate beings, there exists a physiological mechanism, when stimulated, it rises both subjective feelings of choler and to physical alterations, which relate to contending. This is easy set of f, and like other emotional responses, it is really stereotypic, and natural. Just like one individual is like a really angry individual ; they resemble one another at the psychological degree. The manner in which worlds adapt to and command their feelings of fury. ( 5. Toch ) The mechanisms in which these organic structure alterations, the maps that come about is still wholly misunderstood. ( 5. Toch ) Experiments from animate being # 8217 ; s show that it appears that there is a little country from the base of the encephalon in which the feeling of choler starts. This, from which is sent to the nervous urges that cause the blood force per unit area to lift. This country is called the hypothalamus. Its map is to organize responses like choler. ( 3 Diamond ) The relationship between choler, fury, and force, and abnormal psychology that is unnatural, or unnatural in human behaviour and experience. Peoples demonstrate their choler reactions in different ways. Similar to most human be haviour, force has a significance that it merely seems # 8220 ; senseless # 8221 ; or # 8220 ; meaningless # 8221 ; to the extent that we are unable to understand it. Most force starts the fiery human emotions of choler and fury. Not all violent behaviour has its beginnings in choler and fury ; some of it is learned, as mentioned before. Some force is driven chiefly by as Friedrich Nietzsche referred as # 8220 ; the will to power # 8221 ; . In other words, fury. ( 3. Diamond ) Fury is an instinctual and defensive reaction to severe emphasis, or physical menace. This is an automatic physiological reaction that people portion with animate beings. This response to serious menace is referred to by Walter Cannon as the # 8220 ; fight or flight # 8221 ; response. It # 8217 ; s the first defence for the endurance of the species. Any other menace to the continued physical being, a individual would hold the inherent aptitude to seek to go forth, or if they can # 8217 ; T, so physic ally support them by assailing the beginning of the menace. ( 7. Hawkynss, Fredman ) Associating to the fact that work forces are more aggressive than adult females are, surveies shown in several instances those testosterone degrees in immature work forces particularly are. The high degrees of endogenous testosterone seem to promote behavior seemingly intended to rule, to heighten one # 8217 ; s position over other people. ( 9. Montague ) Sometimes aggressive behaviour is aggressive, it # 8217 ; s evident purpose being to bring down injury on another individual, but frequently laterality is expressed nonaggressively. Measurement of testosterone at a individual point in clip presumptively index of a adult male # 8217 ; s basal testosterone degree, predicts many of these dominant behaviours. Numerous carnal experiments, this one specific to gnawers, show that raising testosterone additions aggressiveness. This is in relation to the laterality and antisocial behaviour related to the persons. An person can be said to move dominantly if it # 8217 ; s evident purpose is to accomplish or keep high position, to obtain power influence, or valued privileges. Rodents do typically rule sharply, but it isn # 8217 ; t true of worlds. Much of interpersonal behaviour is overtly or subtly concerned with pull offing laterality and subordination without doing physical injury. It is harder to place cases of aggression of a dominating motivations, things related to spiritual forfeits. It is understood that motives are different from different state of affairss for laterality and aggression. ( 1. Felson, Tedeschi ) Clinical scientific discipline assumes that all work forces are capable of bloody destructiveness. It maintains that image with most people who do off with their hates and, and although There are some cases where this attempt fails. Some people are so diffident about their aggressiveness that when they are provoked in the least small manner, they become so violent t hat they are intolerable. Even a little reappraisal of violent behavior suggests that force International Relations and Security Network # 8217 ; t blind, and random. Members of active packs are often nonviolent when separated from their members. Many highly unsafe people seem to specialise in certain countries of victims. This is in relation to taking the aggressiveness off the field. There is sometimes a relationship between being violent and being socially improper. Violence normally takes topographic point in certain circles, certain scenes, and on certain occasions. If force is truly unsighted and random, it # 8217 ; s difficult to understand why we should happen so much in specific state of affairss. Does a adult male assault his married woman instead than the jock who messed up merely because she # 8217 ; s available? Violence can # 8217 ; t be associated with angry detonations. There is form and signifier to force. Patterns of destructiveness show systematically, and the y relay from individual to individual. As for each of us, force seems to be tied to a restricted scope of life state of affairss. It seems to reflect intent, and implies the presence of concealed significances. So, how do we fulfill it? How is it provoked? How do violent people map? ( 4. Stepansky ) The degree of testo sterone circulating in the blood stream may impact ruling or aggressive behaviour by triping receptors in variety meats or the nervous system. Concentrating on immature males who have passed through pubescence. There are associated studies that show a comparatively high degree of testosterone with dominant, aggressive, or antisocial histrions including several surveies of work forces in gaol. The scientists found that no important testosterone difference between those who fought in prison, and those who did non, between the ages of 18 to 35. However, captives with a anterior record of force and aggression related offenses, they had a significantly higher testosterone degree than those without a history. In the age group of 18to 45, sorted into the same groups, those with chronic aggressive behaviour, those socially dominant without physical aggressiveness, and those who were neither aggressive or dominant, their testosterone degrees were non significantly different between the aggres sive and dominant groups, but they besides had significantly higher testosterone than the group that was either aggressive or dominant. ( 7. Hawkynss, Fredman ) A similar survey was tested on college hockey participants. ( 1. Felson, Tedeschi ) They studied 14 male college participants ages 18 to 23, and found a important correlativity between testosterone and manager evaluations of player’s aggressiveness in respond to menace. Another survey was done on four male doctors. Ranging from ages to 23 to 38, they were confined on a boat for a two hebdomad holidaycruise. The testosterone degree to be correlated with the physician’s assertiveness and dominant behaviour, as ranked by three adult females on the boat. Overall, there is considerable grounds from a assortment of scenes that in work forces, go arounding testosterone is correlated with dominant or aggressive behaviour, and antisocial norm breakage. Correlation doesn’t connote any ground, and the inquiry is st ill being pondered, â€Å"Is high testosterone a cause of dominant and antisocial behaviour? † ( 9. Montague ) There has besides been argument whether or non that adult females can be as aggressive and dominant as work forces. Despite considerable guess that testosterone is associated with aggression or position in adult females, the literature is few and far between. Scientists report that testosterone degrees in 55 adult females increased the position of their businesss. Another survey was done with adult females who were patients in a neurological clinic, found significantly higher testosterone degrees among comparatively aggressive patients compared to less aggressive 1s, but they besides differed in diagnois, and doing the comparing suspect. ( 5. Toch ) The issue of sex differences has been addressed by inquiring how work forces and adult females respond to an indistinguishable competitory state of affairs. Testosterone was given by spit to immature work forces and adult females before, during, and after viing with a same sex spouse in a picture game. The hormonal response to the competition was different in each sex. Males showed the usual pre – competition rise in testosterone, but females did non. Males did non demo the usual consequence that testosterone degrees of victors is higher than that of also-rans, seemingly because the picture game produced no temper difference between male victors and also-rans. A temper difference was produced between female victors and also-rans, but the female showed no specific response to the competition. These consequences show that the result of the competition on testosterone specific to work forces. ( 7. Hawkynss, Fredman ) From research lab consequences and athletic surveies, the testosterone degree rises in work forces expecting a competition, irrespective of the eventual result competition. Generalizing to the street, endocrine degrees should be elevated in immature work forces who are invariably ag ainst assaults on their reputes. Of class, testosterone degree is besides affected by the result of the competition, so relentless also-rans might be hormonally down, but most work forces, those with assorted result or better, should hold elevated testosterone degree. ( 3. Diamond ) Leaving behind the historic roots of the South, there may be a general hypersensitivity to diss in any subculture that is, or one time was organized around immature work forces who are invariably constrained by traditional community agents of societal control, as after occurs in frontier states, packs, among Gypsies, and after societal dislocation or natural diseases. When immature work forces place particular accent on protecting their images and reputes, and they are non restrained from making so, laterality competitions become necessary, the trademark of male to male interaction. ( 5. Toch ) To construe racial differences in testosterone, a comparing of black and white male childs ages 6 to 18 old age s, largely preteens, showed no important race different in testosterone. By maturity, black males do hold significantly higher testosterone degrees than white males, perchance reflecting the higher defensive demands on black work forces during maturity. ( 10. Hauser, Powers, Noam ) The mutual linkage between endocrines and behavior suggests that if testosterone degrees among immature work forces in the interior metropolis are highlighted by their changeless defensive position against challenge and these high endocrine degrees in bend encourage farther laterality competitions. Feedback between challenge and testosterone may make a assorted circle, sometimes with deadly effects. ( 7. Hawkynss, Fredman ) During pubescence, the effects of testosterone on behavior appear to work chiefly through long term reorganisations of the organic structure and neurohormanal system, and merely secondary through short term activation. By the terminal of pubescence, normally around 16 old ages, the org anic structure is about at it’s grownup signifier so behavior is affected chiefly by the degree of testosterone circulating in the blood watercourse, which can trip steroid receptors. ( 10. Hauser, Powers, Noam ) There is a string correlativity and experimental grounds that testosterone degrees respond in predictable ways both before and after competitions for position. First, testosterone rises shortly before a competitory event, as if expecting the challenge. Second, after the decision of competition, testosterone degrees in victors rises relative to that of also-rans. Testosterone besides rises after position ratings, and it falls after position demotions, These effects require the presence of appropriate temper alterations. Limited grounds suggests that this form of testosterone responses is specific to work forces. ( 4. Stepansky ) As these surveies have suggested, aggression in athletics is at that place, but the work forces chiefly showcase it. Aggressive people are at tracted to reach violent athletics competitions, to where they can suit in while being violent. On the other manus, athleticss can make aggressive behaviours that could take to worse things. Womans can and will showcase this, but as said before, work forces show a stronger instance of it. Thingss of this nature have been traveling on for centuries, every since the beginning of athletics, unluckily, if these behaviours aren’t controlled, the immature kids might be the 1s to endure by an result that cipher wants to see, making off with athleticss in general. 1977 5. Violent Men ; an enquiry into the pychology of force, Hans Toch 1969 6. Human Aggression, Anthony Storr 19681. Aggression and Violence, societal interactionists positions. , Richard B. Felson and James T. Tedeschi 1993 2. Sport in Society, Issues and Controversies 6th edition, Jay J. Coakley 1998 3. Anger, Madness, and the Daimaonic ; the pyschologists generation of Violence, immorality and creativitiy. Stephen A. D iamond 1996 4. A History of Aggression Freud, Paul E. Stepansky 7. The Creation of Deviance, Interpersonal and organized determiners, Richard Hawkins, Gary Fredman, 1975 8. Power and Innocence, Rollo May 1972 9. Man and Aggression, Ashley Montague 1968 10. Adolescents and their Families, Paths of Ego Development, Stuart T. Hauser, Sally I. Powers, Gil G. Noam 1991 Plants Cited 1. Aggression and Violence, societal interactionists positions. , Richard B. Felson and James T. Tedeschi 1993 2. Sport in Society, Issues and Controversies 6th edition, Jay J. Coakley 1998 3. Anger, Madness, and the Daimaonic ; the pyschologists generation of Violence, immorality and creativitiy. Stephen A. Diamond 1996 4. A History of Aggression Freud, Paul E. Stepansky 1977 5. Violent Men ; an enquiry into the pychology of force, Hans Toch 1969 6. Human Aggression, Anthony Storr 1968 7. The Creation of Deviance, Interpersonal and organized determiners, Richard Hawkins, Gary Fredman, 1975 8. Power and Innocence, Rollo May 1972 9. Man and Aggression, Ashley Montague 1968 10. Adolescents and their Families, Paths of Ego Development, Stuart T. Hauser, Sally I. Powers, Gil G. Noam 1991

Saturday, May 2, 2020

Marketing Consumer Behavior Information of Product

Question: Describe about the Marketing Consumer Behavior for Information of Product. Answer: Activity 1 Sydney Institute is a non-profit organization that applies marketing concept. It is a private institute in Australia that belongs to the education industry. The institute exchanges education services for educational fee. The institute applies marketing concept by studying the needs and requirements of the demography and offering the courses that are in demand as per the requirements of the masses. They target their market and advertise and promote their services to the public so that they can attract students to their institutes (Solomon 2014). The profit is in the form of educational fee that they get from the students of the institute and donations. Billabongs websites throws a lot of light n the surfing, skating and skiing industries. However, it does not offer much information about its products. This can work against the company and can turn out to be its shortcomings. The customer needs and demands depend on the utility they would receive from a product or service. Thus, it is important that more information about a product is provided to the customers and consequently, the product is adequately advertised or promoted to the customers. Displaying of information about the product on the internet is a form of advertisement and promotional activity and scarce information about a product can be the shortcoming of a company. in this case, Billabongs lack of information about the information might pave the way to be the companys undoing since the customers will remain oblivious of the products the company offers to the public. Activity 2 The Nestle Australian website depicts that Australian parents are not aware of the appropriate level of nutrition that is needed by children so that they develop healthy eating habits. According to this survey, which was conducted by Nestle Healthy Active Kids as a part of Raising Nutrition Savvy Kids Report, it was shown that more than 1300 parents were asked about the nutrient portion that was being served to the children (www.nestle.com.au 2016). However, more than 78% were oblivious of the correct nutrition mix and the knowledge of the healthy eating habits fell short. When they were asked particular question, none of the parent could secure full marks regarding diet and nutrition as suggested by the Australian Dietary Guidelines. The purpose of this survey was to incorporate healthy eating habits among kids. Peters Brand Pilsner is the latest product that is being introduced in the market. It can be seen that this is the current product, which is grabbing the attention of the people from youths to adults. The product is a German style pilsner, which is brewed by United Export Breweries (www.beeradvocate.com 2016). This product has a wide demographic reach and is appreciated and purchased by customers ranging from different age group and the reasonable price makes it a successful campaign since the price and the quality of the beer will escalate the sales of it. Activity 3 Household income is the major indicator of the distribution of income of New Zealand. The sources of data like Qualification and occupation shed critical light on the socio-economic level of the Northern Territory. One fact that is important to note in the case of Northern Territory is that income is not the same as wealth. For instance, the high number of retired people in the Northern territory forms the bulk of Household income with low income but they have significant amount of wealth. For the purpose of assessment of household income, it should be viewed as a combination of Household composition and age. There are higher numbers of high income earning group compared to low income earning group. Around 23.8 % comprised of high income earning group (Bray, Gray and Katz 2014). The income of an individual depended on status of the employment, age, qualification etc. The retired people will receive less income. The demographic of the Northern territory and the age pattern of the popu lation has to be studied to understand the income distribution of the place. Activity 4 On evaluating the web services of three fast moving consumer goods company; namely Bega Cheese Company, Coca Cola and Goodmand Fiedler, it was observed that these companies followed the segmented marketing approach. The segmented marketing approach is a systematic approach that these companies adopt as they segment the market into different categories and make the products available for the market depending on their needs and requirements. On evaluation of their market approach, it could be seen that Coca Cola has the most systematic market segmentation approach, followed by Bega Cheese and then by Goodman Fiedler. Coca Cola uses multi-segmenting, which is based on different segments of the market. The company aims at different age groups, ethnicity, lifestyle, income group etc. as a part of the market segmentation policy (Coca-cola.com 2016). This gives the company a clear edge over it rivals. Bega Cheese has a segmented marketing approach. It responds to the market demands based on the different segments it aims to address (Bega.net.au 2016). Depending upon the requirement of the market, and the demographic and geographical location, the company produces cheese and other dairy products. Goodman Fiedler also follows segmented market approach (Goodman Fielder.com 2016). There are certain recommendations that these companies can use to improve its market segmentation. One of this could be investing more in secondary research to have a better understanding of the market. These companies can further break the market segmentation into behavioural segmentation and market their products accordingly. Improving their products or upgrading their products can also be used for improving their market segmentation. Activity 5 The worldwide demographic trends tend to offer business opportunities to various organizations. The population explosion and increasing rate of population growth will mean that that businesses have to increase their production scale and in the process it will increase the profitability of the company. It will mean that the business will have to increase their product portfolio and will have to produce more commodities that will meet the needs and requirements of the consumers. The cultural diversity in a population will present new opportunities to the business to increase their production and introduce diversified products in the market. At the same time, there major rise in urbanisation will lead to rise in fast moving consumer goods. At the same time, the age pattern in the demography of a place will lead to an increase the production scale of a commodity (Leonidou et al. 2013). It can be seen that the health industry is set to benefit from ageing baby boomers. It is seen that the rise in the baby boomers has an important impact on demographic and the health industries is set to majorly benefit from this. The increase i the population of old age people will see improvisation in the technology related to health and medical equipments. The need for better facility of health and social care will lead to improvisation and upliftment of the health and medical industries. Health and medical instruments will seen an increase in the production scale and at the same time the health and nursing industry is seemed to benefit from ageing baby boomers (Leonidou et al. 2013). Reference List Bega.net.au. (2016). Bega Cheese | Real Town, Real Cheese. [online] Available at: https://www.bega.net.au [Accessed 24 Aug. 2016]. Bray, J.R., Gray, M., Hand, K. and Katz, I., 2014. Evaluating new income management in the Northern Territory: final evaluation report.Social Policy Research Centre, University of New South Wales. Coca-cola.com. (2016). Coca-Cola Global: Soft Drinks Beverage Products. [online] Available at: https://www.coca-cola.com [Accessed 24 Aug. 2016]. Goodman Fielder. (2016). Home - Goodman Fielder. [online] Available at: https://goodmanfielder.com/ [Accessed 24 Aug. 2016]. https://www.beeradvocate.com Beers Union Export Brewery, (2016). [online] Available at: https://www.beeradvocate.com Beers Union Export Brewery [Accessed 24 Aug. 2016]. https://www.nestle.com.au. (2016).Home. [online] Available at: https://www.nestle.com.au/ [Accessed 24 Aug. 2016]. Leonidou, L.C., Kvasova, O., Leonidou, C.N. and Chari, S., 2013. Business unethicality as an impediment to consumer trust: The moderating role of demographic and cultural characteristics.Journal of Business Ethics,112(3), pp.397-415. Solomon, M.R., 2014.Consumer behavior: Buying, having, and being. Engelwood Cliffs, NJ: prentice Hall.