Sunday, December 29, 2019

The Central Bank Of Australia - 1071 Words

The Central Bank The Reserve Bank of Australia (RBA) located in Sidney, South Wales, Australia, is the Central Bank of Australia. All the responsibility that this bank has over the country comes from the Reserve Bank Act 1959. The duty to contribute for the stability of their currency, maintain full employment and the economic prosperity with the welfare of Australian people. Using strategies as setting cash rate to settle the medium term of inflation target, managing to control a strong financial system and productive payment system, and last but not least issuing bank’s notes. On the other hand, the Central Bank delivers banking services to overseas central banks and others institutions. Also managed the gold and the exchange†¦show more content†¦APRA also issues capital adequacy for banks that are reliable with the Basel II rules. APRA also requires all of the institutions that they regulate to report a periodic basis. ASIC relays in market integrity, consumer protection, and regulation on financial institutions like investment banks or finance companies. However, ASIC does not investigate concerns about the consumer protection, its delegated to the Australian Competition and Consumer Commission (ACCC). To sum up, banks are also obligated to follow the Anti money Laundering and Counter Terrorism Financing Act 2006. It is required to monitor every customer using the risk-based approach, which is a program from the Australian Transaction Reports and Analysis Centre (AUSTRAC) to identify any suspicious activities in any account and also to file an annual report for the records. Commercial Banks Operating in the country †¢ National Australia Bank Group (NAB) is one of the four top banks in Australia. This bank has about 40,000 members and 1,700 branches globally. The income statement below shows the amounts in US Australian dollars from last year (2014). For further information about their balance sheet see appendix figure 1. †¢ Commonwealth bank: also in the top four banks of Australia with branches across the world such Asia, New Zealand, North America etc. This Bank offers life insurance, retirement income and general insurance. Is one of the

Saturday, December 21, 2019

Buzz Marketing As A Viral Marketing Tool - 1395 Words

Buzz marketing is a viral marketing tactic that is the interaction of consumers focused on maximizing the word-of-mouth potential of a particular campaign, product or service, exaggerating or sometimes modifying the original message. The emotion, excitement and brand facts are transmitted through conversations between consumers friends, family or the mass audience through word of mouth and use of social media platforms. (Rouse) Buzz marketing is a different approach to marketing than the traditional marketing strategies with use of radio, out of home, print or television. Traditional mass marketing entails advertising to the mass market with a goal of converting a portion of those consumers to a brand. Buzz marketing is all about word of mouth, and leverages, â€Å"not simply the power of the trendsetter, but also â€Å"the power of wanting to be the trendsetter†. (Walker,2004). Marketers activate buzz marketing as an effective, perceived unbiased message to gain trust and loyalty among consumers. Tremor feels that â€Å"buzz marketing is the most effective way for a message to travel through networks of real people communicating with others.†(Walker, 2004). The early starters that are originally targeted by marketers are the key to the message traveling from their internal circle to eventually penetrating the mass market. Word of mouth is not just successful when communication occurs b etween friends and family members, but acquaintances as well. 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They don’t need to browse or search for an ad it is very important to study the consumers’ attitude towards online marketing. Advertisement content is a very important factor to create positive or negative attitudes towards online advertising. (Ng Ka Po, 2006) Online Advertising is a gift for marketers. They can send online commercials and read the behaviors and preferencesRead MoreA Study on Social Media Marketing6365 Words   |  26 PagesSocial media marketing Social Media Marketing: An Overview The first aim of any business is to be known amongst their target audience. This is no different for online businesses that strive to shine out amidst billions of sites. Online businesses aim to market their site in several different manners to gain them more customers and business. One such marketing technique is social media marketing. Social media marketing is a term that defines marketing that is doneRead MoreA Study on Social Media Marketing6376 Words   |  26 PagesSocial media marketing Social Media Marketing: An Overview The first aim of any business is to be known amongst their target audience. This is no different for online businesses that strive to shine out amidst billions of sites. Online businesses aim to market their site in several different manners to gain them more customers and business. One such marketing technique is social media marketing. Social media marketing is a term that defines marketing that isRead MoreSample Resume : Revenue Performance Website Update1526 Words   |  7 PagesUNDERLINE → Add to website Home page Let’s Get To Work We are a full-service digital marketing agency, centered on hospitality marketing, devoted to the success of our clients and growing their revenue. Our team of experts in emerging, interactive disciplines want to take your online presence to the next level. We break the status quo to build your brand identity by developing measurable hotel Internet marketing solutions that maximize revenue. As a Google AdWords Certified Partner, the most respectedRead MoreOld Spice Case Strategic Marketing1444 Words   |  6 PagesSpice campaign could influence it. What are those business goals? †¢ †¢ Old Spice marketing strategy – where to shoot? Product line – who is the next ‘product hero‘ after the body washes? †¢ †¢ Promotion and all about media and communication Answering key questions: †¢ Why campaign is succesful? †¢ Should Old Spice campaign be continued? †¢ If yes, within which strategic direction? Summary of marketing opportunities. †¢ Cascading Business Objectives Let‘s restore and speak about OldRead MoreContract Food Service Providers And Vending Machine Operating Companies1011 Words   |  5 Pageswaiter.com which have a significant presence in California. 1.5 MARKETING COMMUNICATION Our advertising budget will be stretched in targeting a wide segment of customers. Hence we would require a viral campaign in the initial two months to sustain the brand on reduced advertisement for remaining 10 months. If we manage to create an initial buzz, the sales would increase on word of mouth publicity and sustained inputs from our marketing campaign. 1.5.1 Radio Radio is one of the most cost effective

Friday, December 13, 2019

Potential Collaborative Research in Infection Control

Question: Discuss about the Potential Collaborative Research in Infection Control. Answer: Introduction: Science has made advancements by leaps and bounds which has made our lives less complex and smooth. Credit for this advancement should be given to the research work that has been carried out by various scholars in different domains. The results and findings of these researches are documented in popular journals. It is essential to critically analyze and interpret those reports so that it can be successfully implemented through recommended solution in our everyday life (Schowm, 2003). The findings from different researches if interpreted properly can breakthrough several problems that the world is coping with in the present scenario. This report is aimed at illustrating the critical analysis structure that should be used while investigating the journal or research articles. For that two journal articles from reputed journals have been chosen which are from the domain of medicine and nursing which represents both qualitative and quantitative study (Vargas-Vera, 2015). This report syste matically approaches to evaluate the articles step by step. Initially it summarizes the findings of the articles and then it justifies the discussion made in the articles with special concern to the authors views about the articles. The detailed analysis of the articles has been documented in the following sections (Martin, 2012). Research critique: A research critique is a thorough analysis about the strengths and weakness of a research article. There can be several motivations for performing a critique namely, it can be done to assess whether it is a quality work or not before publishing it in a renowned journal, it may be sometimes required for finishing the research as valuable feedback before submission, sometimes it is done to understand the aims and objectives of a research for learning purpose as in this case (Long, Griffith, Selker, DAgostino, 1993). The primary function of research critique is to evaluate the research design that has been followed for a particular study and whether it is legitimate or not. There are cases where one needs to understand if the data that has been gathered are from authentic sources and their interpretation has been carried out properly (Hutnyk, 2007). It is not necessary that it has to be critical in nature, a research critique can be positive in nature admiring the work that has been done. There are several aspects of a research critique like it has to evaluate different sections of the research namely introduction, literature review, research methodology, data collection, findings and discussion, etc. A critique has to analyze the study at each and every step with utmost diligence and precision. These principles have been used while analyzing the two articles of concern from the nursing and medical domain. This report documents a brief critique on both the research articles (Honeycutt, Russell, Oldridge, 2011). Article 1: The first article is about infection control and the various aspects associated with it. It describes and delves deep into a particular type of infection control on which research has been conducted. Central-line associated bloodstream infections, in short which is called CLABSIs are considered as one of the most life-threatening diseases which affect the central venous catheters (CVCs) (Harrop, 2010). Given that approx. 41000 cases of the CLABSI is detected in the US each year, each costing an additional $16,550 to the medical system in addition to increased hospital stay, discomfort and loss of life with a mortality rate of 15-25%, it is imperative to undertake research to control and reduce the number of cases. Existing literature indicates that CLABSIs have reduced because of the introduction of CVCs coated with antimicrobials. However there is a gap in the literature with respect to understanding of the impact chlorhexidine (CHG) coated central catheters have on CLABSIs vis-a-vi s a non-CHG peripherally inserted central catheter (PICCs). The article under concern makes an attempt to understand the impact of both the PICCs on the health of the patient. The methodology that had been adopted for research was that 3 high risk units were selected for patient identification over a period of 18 months at a 800 bed tertiary hospital in the mid-west; patients were subjected to either of the PICCs, one of which consisted of the CHG-impregnated one and the other one was non-CHG impregnated one. The data was collected from the laboratory daily and analyzed thoroughly; in fact care was taken to assess the dressing site as well (Ghoulam, Barigou, Belalem, 2015). The documentation was finally vetted to understand the presence of CLABSI or VTE. Initially a a-priori method was used to determine requisite sample size based on requirement of 0.80 power and two-tailed alpha of 0.05. Based on the same, a total of 189 samples were chosen out of which 22 were eliminated due to various reasons. A total of 167 patients were involved in this study among which 3 had been diagnosed with having CLABSI among which 2 were through CHG group while others were through non-CHG group. VTE was also developed by 3 patients that was created in the reverse proportion as 2 were from non-CHG group while 1 was from CHG group (Hall Dornan, 2008). Statistically no correlation was found among the CLABSI or VTE with the CHG or non-CHG usage. However it is justified to mention as per the research there was significant bleeding for the CHG PICC line which ultimately required dressing. The conclusion from the study was that there are no considerable differences in the development of CLABSI or VTE through the use of CHG or non-CHG PICC lines (Gardner, 2008) . While the study asserts no discernible correlation of the use of CHG/non CHG with the development of CLABSI, the sample size may be argued to be a constraint to come at any conclusive proof as a result of the study. As a bare minimum to obtain the power of 80% as opposed to the meager 48% in this case, the sample size requisite would have to be around 348. Also, with blinding not possible due to the distinction of the catheters, such an action may have led to the development of the inherent bias in terms of maintenance of the PICC lines by nurses and patients. A proper demographic study and background data collection would have gone a long way in establishing randomness of the study. Overall this can be considered as a genuine attempt to investigate a research problem in the field of infection control (Embi Payne, 2009) with the limitations as stated above. Potential confounders affecting both dependent and independent variables may include diagnosis or severity of illness. With a better sample size, efficient blinding and demographic randomization the study would hit the mark to a better extent. Article 2: The second article talks about the barriers and obstacles faced by nurses while implementing central venous catheter (CVC) guidelines. The aim of the study has been explained clearly at the beginning of the study wherein it is mentioned that the study aims at investigating the barriers faced by nurses while taking care of the central venous catheter practices (Dojat Pachet, 2005). The premise for this research has been set with the iteration of the fact that CVC care practices are evidence based and there are instances where they have not been adhered which have resulted in infection which can be considered to be nosocomial. 41000 cases of the CLABSI are diagnosed in the US each year with associated cost per case ranging from $5734 to $22939, thus creating a need for efficient control and elimination. There have been several studies conducted to understand the gap in giving the healthcare services through process improvements and other observation based studies. However this researc h is aimed at plugging the gap with the help of real time monitoring of nurse and understanding their perceptual barriers towards adhering to norms that have been set with respect to CVC. Data was collected in a systematic approach wherein 10 participants were selected to investigate the matter at hand. Data collection was primarily based on interviews and then the gathered data was subjected to further analysis through the popular Colaizzis method (Creedy, Winch, Vickerstaff, 2002). The results of the research were quite astonishing as it led to the proper understanding of nurses behavior with respect to their mental approach or blockage towards handling CVC practices. The data that was collected was primarily grouped into major themes which included cognitive factors towards a nurse behavior and other consisted of the contextual factors while analyzing the nurse response which was related to the patient condition, materials, processes and culture of the organization. Finally the results were interpreted to come to the conclusion that mental barriers while servicing for CVC practices can lead to errors which limit the quality of the service and as a result recommendations were given with respect to reducing such barriers through training and development of intuitive processes (Cole, 2006). While critiquing the study conducted, the first factor that comes to mind is the choice of a single site for generalization of the findings which may significantly limit the spectrum of the results arrived at. Smallish sample size and a limited focus may be other factors of concern while evaluating the adaptability of the study. The study complemented the findings from peer studies and that adds credibility to the research and throws light on a hitherto unexplored association regarding active nurses in the acute and critical care settings. The low sample size of the nurses chosen may lead to questions about generalizing the assumptions, and for this purpose, further research with a diverse and wider volume is mandatory. In essence, the cognitive and contextual barriers that came out as a result of the interview seems to be logically consistent with contextual barriers determined to be the organizational behavior, staffing and supplies, leading to external ramifications in the nurse b ehavior. Again, choice of a single hospital as a setting may be a significant influencer, specially in the case of contextual barriers. For the cognitive barriers, the nurse sample size is an important factor and diversity of selection and randomness should be the priorities for the future descriptive studies. The research design that has been adopted is also suitable for the investigation of the given topic. It takes into concern all the attributes related to the research and then evaluates step by step to gather relevant data and finally interpret them so that we get a good idea about the results and the way forward to solve the issue at hand (Bender, 2006). Overall, the article provides a fairly logical explanation on the practices at a hospital which may induce conditions pertinent for CLABSI formation, but is limited in the scope and sample size to be generalized to a broader spectrum. New Zealand Context: The research that has been considered is of immense significance to the New Zealand healthcare scenario since it deals with two important infection control mechanisms which need to be addressed. New Zealand population and the entire healthcare system had been grappling with this issue for quite some time now and these two researches if implemented properly will provide a solution for the problems at hand (Bylander, Smith, Svirbely, 2003). This is the beauty of research studies conducted in the science domain which empowers the industry or domain with new solution or breakthrough technology thereby enabling to deal with complex issues. The critical analysis of the research study helped in validating the research process which is essential for the success of the solution as well as its implementation. The different medication techniques that have been reiterated in the research articles had to be validated by scholars before they can be taken up for implementation and a research criti que serves this purpose of validation. Once implemented these research findings will add immense value to the New Zealand healthcare system and therefore improve their services. With this expectation the research studies analyzed in this piece is expected to add immense value to the existing literature of medical domain as well (Bell, 2010). Conclusion: This report has been structured in a systematic manner to analyze and understand the research critique process so that it can be conducted in a streamlined fashion later on. It starts off by explaining the process of research critique with special emphasis on defining critique. Then it moves on to critically analyze two research articles of concern from the medical field. It gives a brief summary about the researches and then comments on the different sections of the research like methodology, literature review, etc. Finally it also talks about the significance of the research in the New Zealand healthcare context. Therefore the report has successfully developed a framework for research critique process which can be implemented for other such academic purpose as well. Reference Bell, A. (2010). Potential collaborative research in infection control.American Journal of Infection Control, 8(1), 29A. Doi: 10.1016/s0196-6553(80)80082-4 Bender, B. (2006). Thatcherism and anthropological research funding.Critique of Anthropology,6(2), 9198. Doi: 10.1177/0308275x8600600209 Bylander, T., Smith, J. W., Svirbely, J. R. (2003). Qualitative representation of behavior in the medical domain.Computers and Biomedical Research,21(4), 367380. Doi: 10.1016/0010-4809(88)90051-1 Bylander, T., Smith, J. W., Svirbely, J. R. (2009). Qualitative representation of behavior in the medical domain.Computers and Biomedical Research,21(4), 367380. Doi: 10.1016/0010-4809(88)90051-1 Cole, M. (2006). Qualitative research: A challenging paradigm for infection control.British Journal of Infection Control,7(6), 2529. Doi: 10.1177/14690446060070060701 Creedy, D., Winch, S., Vickerstaff, J. (2002). Research in infection control practice: A proposed collaborative model.Australian Infection Control,7(3), 8592. Doi: 10.1071/hi02085 Dojat, M., Pachet, F. (2005). Effective domain-dependent reuse in medical knowledge bases.Computers and Biomedical Research,28(6), 403432. Doi: 10.1016/s0010-4809(05)80002-3 Embi, P. J., Payne, P. R. O. (2009). Clinical research informatics: Challenges, opportunities and definition for an emerging domain.Journal of the American Medical Informatics Association,16(3), 316327. doi:10.1197/jamia.m3005 Gardner, A. (2008). Tropical health and infection control research directions.Healthcare infection,13(4), 107108. Doi: 10.1071/hi08032 Ghoulam, A., Barigou, F., Belalem, G. (2015). Information extraction in the medical domain.Journal of Information Technology Research,8(2), 115. doi:10.4018/jitr.2015040101 Hall, J. A., Dornan, M. C. (2008). Meta-analysis of satisfaction with medical care: Description of research domain and analysis of overall satisfaction levels.Social Science Medicine,27(6), 637644. Doi: 10.1016/0277-9536(88)90012-3 Harrop, M. (2010). Social research and market research: A critique of a critique.Sociology,14(2), 277281. Doi: 10.1177/003803858001400205 Honeycutt, M., Russell, C., Oldridge, C. (2011). A standardized approach to CLABSI elimination.American Journal of Infection Control,39(5), E157. doi:10.1016/j.ajic.2011.04.266 Hutnyk, J. (2007). Media, research, politics, culture: Review article.Critique of Anthropology,16(4), 417428. Doi:10.1177/0308275x9601600406 Long, W. J., Griffith, J. L., Selker, H. P., DAgostino, R. B. (1993). A comparison of logistic regression to decision-tree induction in a medical domain.Computers and Biomedical Research,26(1), 7497. doi:10.1006/cbmr.1993.1005 Martin, M. (2012). Preventing central line-associated bloodstream infections CLABSI.Nursing,42(6), 4647. doi:10.1097/01.nurse.0000415297.39358.d8 Schowm, J. C. (2003). Delayed diagnosis of tuberculosis in patients with human I immunodeficiency virus infection.American Journal of Infection Control,21(4), 221. Doi: 10.1016/0196-6553(93)90041-2 Vargas-Vera, M. (2015). Methodology for record linkage: A medical domain case study.International Journal of Knowledge Society Research,6(4), 1835. doi:10.4018/ijksr.2015100102

Thursday, December 5, 2019

Value Chain Analysis Operationg Companies

Question: Describe about the Value Chain Analysis for Operationg Companies. Answer: Introduction: The aim of the paper is to identify different value chain designs and structures of two companies operating in the same industry. For this purpose, Telstra, the telecommunication service provider and Samsung, the company that deals with tangible products like mobiles, laptops and other electronic and telecommunication products, have been used for the case study analysis. A detailed analysis of their value chain design will be along with the evaluation of primary Customer Benefits Packages of each firms will be carried on throughout the paper. Value chain is the set of the activities that a firm carries out in a particular industry to perform better and deliver valuable products or service to the consumers in the market to meet the demand of the consumers. The concept was characterized by Michael Porter. Value chain analysis is carried on to gain a competitive advantage among other products in the market. As point out by Erlach (2013), we live in an Omni channel world Consumers no longer depend on the availability of products from the physical stores but everything is available to them online. This has opened up the scope for better value chain design and the provision of providing personal service to the consumers. A. Firms strategic vision, strategy and competitive priorities: Telstra: Vision of the Company: The primary vision of the company is to create a better future for the consumer base. To connect the World and the future that wont happen on its own. This future has to be created by Telstra. To create a brilliant connected future. To ensure that each customer is connected. Making the nation work falls under the responsibility of Telstra (Frazelle 2012). To provide service to everyone. The aim of Telstra is to serve every people with better opportunities of communication that will help everyone to connect. Strategy used by the Company: To improve customer advocacy: The telecommunication company is dedicated to improve their customer servicing and create advocacy among all customers. To drive value to the core: To strive to build a strong customer base and network leadership and productivity improvement throughout the business activities (Holweg and Helo 2014). To build new growth opportunities: To continue with the business activity and build better opportunities to improve the business activities. Competitive priorities: Manage business activities by following strict regulations to manage any kind of competitors pressure Maintaining a good relationship with the regulations of government (Hamilton and Selen) To reduce the cost of the service by expanding the business and focusing on the enhancement of customer base Samsung: Vision of the Company: To create innovation through business: To develop high technologically developed products with advanced process that boosts the sales of the Company To build unmatched products: To offer products at a certain competitive advantage to create huge customer base (Shashi and Shabani 2016) To widespread its business: To provide large numbers of products to the consumers to select from and create huge customer base throughout the globe Strategies used: To offer best service at a lesser price. Samsung offers various mobiles in different ranges to all strata of consumers (Holweg and Helo 2014) To come up with new ranges of mobile phone to fight against competition To come up with innovative ideas towards designing and formation of their products Competitive priorities: To understand the needs of the customers and developing products that are inclined to their needs To abide by the regulations of the government to carry out a safer business To ensure better promotional activities to fight against the other major competitors B. Comparison of primary Customer Benefit package: Customer benefit package is a part of operation management that clearly defines a set of tangible and intangible service or product that a Company provides that clearly differentiates among the various Companies belonging to the same industry. Johnson (2013) pointed out a number of sub activities that supports a firms value chain design that ultimately helps in the creation of customer benefit packaging. These are: Direct activities: The activities which are directly created by the Companies to attract more consumers and create a comparative advantage in the consumers market are direct activities. These activities include, promotional and advertisement strategies. These activities are sometimes carried out intensely to fight against the competition in the market (Holweg and Helo 2014). For instance, for both Tesltra and Samsung, promotion by the means of advertisement and promotional activities holds great importance. The company has also focused on directly engaging the consumers with the Company as a part of their marketing and creation of value chain strategy. Samsung has their Priority Stores where customers can easily land up with their problems. Indirect activities: Marketing activities that include managing the sales of the product or keeping a record of the customers and designing the marketing strategy in a way to attract more consumers falls under indirect activities (Shashi and Shabani 2016). In fact, these activities require a detailed analysis of the market situation and the competitors present in the same industry. In case of Telstra, it has to be said that the Company always focuses on the presence of its competitors and design their service to attract more consumers (Bandarian 2012). In addition to this, Samsung carries out great market analysis practices to understand their position in the market. Quality assurance: Another vital point that helps to improve the value chain of the products or services offered by a particular company is by assuring quality service and product to the consumer base. Providing good quality services to match the expectation of the consumers as well as to fight the odd challenges in the market falls under the criteria of meeting the quality of service (Khosrow-Pour 2016). It has been observed that Telstra carries out market research to understand the changing demand of the consumers and provide best quality services to the consumer base. At the same time, if the case of Samsung is consider, it has to be said that it is a Global Company and in order to make a strong customer base globally, the company keeps conducting market research to meet the expectations of the consumer base. C. Comparison of value chain design and structure: The value chain design of Samsung mobile is meant for support and other primary business activities. The support activities include the firms infrastructure and other technological developments which are necessary for attracting more consumers. Product diversification: If the value chain design of Samsung is compared with that of Tesltra, it has to be said that Telstra is more focused on the diversification of the products. It has been observed that more focus is made on product diversification (Lukinskiy et al. 2014). There is no such scope for Telstra to modify or make diverse products. Therefore, it can be said that Samsung enjoys the the advantage of this value chain. Quality based management: Both the telecommunication companies focus on improving their business quality. As pointed out by Shashi and Shabani (2016) that Samsung being in a competitive business environment, have to focus greatly on the managing their quality of service. At the same time, Telstra also focus on improving its quality by providing better quality of internet and other telecommunication services to their consumers. Hybrid management system: One of the most influential value chain designs of Samsung is the Hybrid Management system of the Company. On the basis of this management system, the company focuses more on the Western market (Medudula 2016). It has to be mentioned here that Samsung is a global company but Telstra is not. Therefore, a hybrid management system that Samsung follows is indeed an efficient tool of management for Samsung but the same is not applicable for Telstra. Telstra has to focus on the market of Australia for its business operation. With this analysis, it can be said that the mode of operation of both the companies taken into consideration is different and it is for the same reason, their value chain design and structure is bound to be diverse. However, these designs are made to match with their business strategies and thus, they are rightly applicable to their respective businesses. Conclusion: It has been observed that the two companies in spite of operating in the same industry have different value chain designs and supply chain. This is evident because in case of Telstra, the Company mainly has to deal with government regulations to provide service to the consumers. Thus, there remains less scope and opportunity for the company to create customer value. On the other hand, Samsung has to directly deal with the customers and there remains greater opportunities of carrying out different types of value chain designs and activities to create huge customer base. However, both the companies have designed their value chain quite effectively and have been found to operate successfully in their business. Reference list: Bandarian, R., 2012. Exploiting value chain process concepts in research organisations.International Journal of Value Chain Management,2(3), pp.400-416. Erlach, K., 2013.Value stream design(pp. 97-229). Springer Berlin Heidelberg. Frazelle, E., 2012.Supply chain strategy: the logistics of supply chain management. McGrraw Hill. Hamilton, J. and Selen, W., 2016. Service value encounters in the virtual service value chain: a conceptual framework.International Journal of Value Chain Management,1(2), pp.139-158. Hoerl, R., 2004. One perspective on the future of Six-Sigma.International Journal of Six Sigma and Competitive Advantage,1(1), pp.112-119. Holweg, M. and Helo, P., 2014. Defining value chain architectures: Linking strategic value creation to operational supply chain design.International Journal of Production Economics,147, pp.230-238. Johnson, M.E., 2012. Product design collaboration: capturing lost supply chain value in the apparel industry.Tuck School of Business Working Paper, (02-08). Khosrow-Pour, M., 2006.Emerging trends and challenges in information technology management. Idea Group. Lukinskiy, V., Lukinskiy, V. and Churilov, R., 2014. Problems of the supply chain reliability evaluation.Transport and Telecommunication Journal,15(2), pp.120-129. Medudula, M.K., Sagar, M. and Gandhi, R.P., 2016.Telecom Management in Emerging Economies. Springer India. Singh, R. and Shabani, A., 2016. Value?Adding Practices in Food Supply Chain: Evidence from Indian Food Industry.Agribusiness.

Sunday, November 24, 2019

Did the Western Word Do Enought for the Jewsish essays

Did the Western Word Do Enought for the Jewsish essays "When they came for the gypsies, I did not speak, for I am not a gypsy. When they came for the Jews, I did not speak, because I wasnt a Jew. When they came for the Catholics, I did not speak, for I am not a And when they came for me, there was no one left to speak." -On the Wall at the Holocaust Museum in Washington It is impossible to learn about the Holocaust and the Second World War without the question of how it possibly could have happened arising, and along with that question comes another. The question of whether or not the Western World did enough to help the Jews in Europe. What was their reaction to the campaign of systematic persecution, robbery and murder the Third Reich inflicted upon the Jewish people? During the time leading up to the outbreak of World War II, the Western Press consistently carried numerous reports of the Germans anti-Jewish policies and their purposeful victimization of the Jews living in Nazi Germany as well as the annexed territories. The general public cannot claim that they did not know what was going on, that they were uninformed. Whether or not they chose to believe it however, is a completely different story. The public were indeed outraged in many of the cases but the governments of the major European democracies felt that it was not for them to intervene for they felt that the Jewish problem classified as an internal affair within a sovereign state. The truth behind this is simply that the governments were anxious to establish cordial relations with Germany and didnt want to cause any hostility. Thus they stood idly by and remained silent as Hitler went from denying the Jews of their civil rights to denying them of their means of earning their daily bread. As much as they wanted to remain neutral, the countries of the Western World were finally forced to take a stand on the issue of emigration ...

Thursday, November 21, 2019

Congressional Speech Essay Example | Topics and Well Written Essays - 500 words

Congressional Speech - Essay Example For too long we have witnessed the erosion of the power of the people. We, the people, are America. It is time we stand again and make our voices heard. Public education and its financing is paramount to our future and to our place in the world. I believe it is our role on the world's stage to play the lead in innovation and change for the good of mankind. America is falling behind in science and the arts. We lag behind in those areas in which we once dominated. We have been witness to the slow erosion of student scores as well as to the funding of our educational system. House Speaker Tip O'Neill once observed that 'all politics is local'. We all understand that education, too, is a local issue. We understand that our state, our cities and our neighborhoods have the ultimate responsibility for funding and the making of decisions. We would not have it any other way. But the federal government has a significant role in the process as well. The federal government funds local schooling in the neighborhood of ten percent of its budget (ed.gov 2006). While it is not the role of our government to wag the dog of public education, we have the right to expect the issuance of standardized guidelines within which we can all operate our school districts, refining as we see fit, taking into account that which is best for our children. We have a right to expect the very highest sta

Wednesday, November 20, 2019

The neglect of the elderly Essay Example | Topics and Well Written Essays - 500 words - 2

The neglect of the elderly - Essay Example This physical trauma can be a huge element as much research also suggests that older people who have been abused tend to die earlier, which is a huge concern. For the elderly, it highly imperative that they don’t experience this short of emotional trauma in their later years. A huge element to understand regarding elderly abuse is the fact that it can occur anywhere. There is much misconception that suggests that elderly neglect only occurs in senior homes which is not true at all. As a matter of fact, elderly abuse tends to take place where the senior lives: most often in the home where abusers are often adult children, other family members such as grandchildren, or spouses/partners of elders. Elder abuse can also occur in institutional settings, especially long-term care facilities. One of the most pivotal factors of elderly neglect is the fact that there is no single pattern of elder abuse.  Conducive research proves that sometimes elder neglect is a continuation of long-standing patterns of abuse emotionally, physical, and mentally occurs within the confinements of the home. Cooper (2008) Often time, the elderly become the victims of this trap because they are fragile and cannot speak up. With the domestic structure of the modern family continuing to grow, elderly in the family have become a more inferior group and are more likely to be abuse. Since the elderly are dependent on the family for financial and emotional support, they also easily become the target for additional mental abuse. Cooper (2008) An important aspect regarding elderly abuse that it is just not confined to just older adults who have poor physical health or cognitive inhibitions that are likely to experience this abuse.  Older individuals who are alone and depressed along with those who may have a physical disability or mental illness are vulnerable to abuse. It is evident that mental deterioration due to elderly neglect can

Monday, November 18, 2019

Reporting results Essay Example | Topics and Well Written Essays - 250 words - 3

Reporting results - Essay Example Financial results, information, and conclusion may be reported in balance sheets, activity statements, and cash flow statement amongst others. The information on the balance sheet, activity statement, and cash flow statements are connected. Whereas balance sheet provides the financial position of an organization, activity statement provides the reports on the entitlements and obligations in respect to taxation and cash statement flow projects, the cash inflow and outflow within organizations (Finkler, 2010). The cash flow statements of organizations are derived from balance sheets and activity statements. On the other hand, taxation entitlements and obligations as obtained from activity statements are derived from expenses that dependent on cash availability portrayed within the balance sheet (Finkler, 2010). In addition, the changes in stock as illustrated by balance sheet are used within activity statements to calculate the income of the organization for tax entitlements and obligations. From the above explanations there is enough evident that the information in balance sheet, activity statement, and cash flow statements are connected and not independent and some allude. The financial statements heavily borrow from each

Friday, November 15, 2019

Sainsburys corporate governance and information disclosure

Sainsburys corporate governance and information disclosure This paper attempts to demonstrate the annual report of Sainsbury from its corporate governance aspects and evaluate the information provided in the annual report from 5 parts: the main corporate governance mechanisms, the ownership structure, the audit report, the audit committee, and the voluntary disclosures. 2.0 corporate governance mechanisms The chairman of the Board is Philip Hampton since 2004. It consists of three Executive Directors and six Non-Executive Directors. 2.1 Division of responsibilities between the Chairman and the Chief Executive Corporate governance of Sainsbury set division of responsibilities between the Chairman and the Chief Executive. The chairman is the leadership of the board. His responsibilities are designing its agenda and ensuring effectiveness of the board. Also the chairman of Sainsbury keeps communicating with shareholders effectively because the Board must know the opinions of major shareholders. In addition he makes sure that the Chief Executive could get a strategy, which must be supported by the Board as a whole. Furthermore Philip Hampton promotes constructive relations between the Executive and Non-Executive Directors. Justin King is the Chief Executive of Sainsbury, his responsibilities is executing the strategy, which was agreed by the Board. He also creates a framework of values, organization and objectives to make sure the successful delivery of key targets. Finally he takes a leading role, with the Chairman, in the relationship with all external agencies and in promoting Sainsburys. The division of responsibilities can help company to increase corporate governance and reduce the principal-agent problem. Chief Executives strategy must be agreed by the Board, at the same time, the Chairman must effectively communicate with shareholders. Therefore the Board will monitor the strategy and make sure it is represent the shareholders profit. 2.2 Independence of Non-Executive Directors Non-Executive Directors are elected by shareholders at the first Annual General Meeting and appointed for an initial three-year term. If they get mutual agreement and shareholders agreement, their appointment could be extended for a second term. There has a regulation to increase the independence that all the Non-Executive Directors are independent according to the provisions of the Code. This means that there is no compromise to the independence of the Directors who have executive or non-executive roles with other companies. Directors may have a direct or indirect interest that conflicts with companys interests without independence. The Board has established procedures for the disclosure by Directors of any such conflicts, and also for the consideration and authorization of these conflicts by the Board. In accordance with the Act, the Board considered and authorized each Directors reported potential conflicts of interest during the year. The Board will continue to monitor and review potential conflicts of interest on a regular basis. 2.3 Remuneration Committee The Committee is chaired by Bob Stack who was appointed a Non-Executive Director and Chairman of the Committee on 1 January 2005. There are four main responsibilities for Remuneration Committee: First, determining and agreeing with the Board the broad remuneration policy for the Chairman, Executive Directors and the Operating Board Directors; Second, setting individual remuneration arrangements for the Chairman and Executive Directors; Third, recommending and monitoring the level and structure of remuneration for those members of senior management within the scope of the Committee, namely the Operating Board Directors and any other executive whose salary exceeds that of any Operating Board Director; Fourth, approving the service agreements of each Executive Director and including termination arrangements. 3.0 Ownership J Sainsbury plc is a PLC (Public limited Company). Also it has a limited liability, which means that no shareholder of Sainsbury is personally responsible for the debts, obligations, or acts of the company. From the data of FAME, GOVERNMENT OF QATAR via its funds has 26.01% of total shares, THREE DELTA (HOLDCO) LLP own 25%, RAZINO LTD occupy 6.98%, LORD SAINSBURY OF TURVILLE has 5.83%, LEGAL GENERAL GROUP PLC via its funds own 3.99%, and BLACKROCK, INC. via its funds own 3.52%. (Specific data will be shown on appendix) 4.0 Audit Report Sainsbury invite PricewaterhouseCoopers LLP to do the audit for the company. In Sainsburys 2009 annual report PricewaterhouseCoopers LLP demonstrate the audit report, which shows their responsibilities, basis of audit opinion and audit opinion. 4.1 Audit opinion Audit opinions in the 2009 annual report reflect three things First, in accordance with IFRSs as adopted by the European Union , the Group financial statements give a true and fair view about Groups affairs as at 21 March 2009 and its profit and cash flows for the 52 weeks then ended; Second, the financial statements and the part of the Remuneration report to be audited have been properly prepared in accordance with the Companies Act 1985 and, as regards the Group financial statements, Article 4 of the IAS Regulation; Third is about the information, which is given in the Directors report is consistent with the financial statements. From audit opinion, we can understand 5.0 Audit Committee In 2009 annual report, I find members of the Committee are independent Non-Executive Directors. Auditor independence has been strengthened by this The main responsibility for audit Committee of Sainsbury is to monitor the integrity of the financial statements and any formal announcements relating to the Companys financial performance, also reviewed any significant financial judgments contained in them. The Committee has responsibility to make sure the Companys financial controls and the systems of internal control and risk management work efficiently. Where any weaknesses were identified, the detailed actions for resolution are closely monitored through to completion. In addition, the Committee has implemented the Companys policy which restricts the engagement of PricewaterhouseCoopers LLP in relation to non-audit services. This is another useful function for audit committee of Sainsbury to increase the auditor independence. The policy is designed to ensure that such services do not have influence on external auditors independence and objectivity. Another very important responsibility for audit committee is the system of internal control. The Audit Committee has reviewed the effectiveness of the system of internal control. In addition, if there have some weakness of the system of internal control, the committee must make sure the relevant remedial actions are taken to solve these problems. 6.0 Evaluation of the quality of any Voluntary Disclosures This paper will show Sainsburys Voluntary Disclosures from four aspects: food, employee environment, and social. 6.1 Food Basing on 2009 annual report, we can see that Sainsbury tries its best to provide and inspire customers to eat a healthy food. Without decreasing the taste and quality or increasing the prices, the company makes products as healthy as possible. There also have some highlights during 2009 on this part. For example, reducing the fat in their products and reducing the sugar in all of their squash lines by ten per cent. Products are the most important elements for a supermarket. Sainsbury pay a lot of attention on improving the healthy of their products. And this voluntary disclosure can help the company to attract more customs. 6.2 Employee During the year ending March 2009 Sainsbury generated 5,000 new jobs by opening 11 new supermarkets. Also the corporation created a program called You Can, which now have over 2,000 colleagues participating in. 760 colleagues have been recruited in 2008/09 by providing job opportunities to the long-term unemployed and disadvantaged. 6.3 Environment Sainsburys was the first UK food retailer to publish an environment report which we did in 1996. The company holds Reduce, Re-use, Recycle, in order to minimize the waste from its business and customer. The highlights during 2009 are environmentally efficient stores, which was first opened Dartmouth, Devon. This green store focuses on decreasing overall CO2 emissions, energy consumption. Also, the green store efficiently uses the Rainwater to harvest, by which can reduce mains water usage by 60 per cent, saving around one million litters of mains water every year. This disclosure will highly increase the corporate reputation of Sainsbury. 6.4 Social This is another part, which can significantly improve Sainsburys corporate reputation. From 2009 annual report, we can find several highlights, for instance, Active Kids, which was beginning in 2005, in 2009 Sainsbury donated over  £70 million worth of sports equipment and experiences to schools, nurseries, Scouts and Girl guiding UK. In addition, Food Donation program, In 2008/09 the company donated over  £5 million worth of surplus food to a network of charities across the UK. Sainsbury do well in this part, it help a lot of people at the same time, companys reputation increase by disclosing these information. Even though customs lost confidence during 2008, Sainsbury still have good performance in 2008/2009, the important reason is the actions, which was mentioned in the environmental and social disclosures help the company to increase their reputation in their customs mind. 7.0 Conclusion In conclusion, Sainsbury par a lot of attention on independence not only on internal company but also on external auditors. This is very important for a company to increase its corporate governance. Meanwhile, making sure managers represent the shareholders profits. Furthermore, according to the voluntary disclosure, we find that Sainsbury regard company reputation as the most important part. Because of this, Sainsbury still performance well in recent year even the economical environment is worse in UK.

Wednesday, November 13, 2019

Joseph Stalin :: Biography, Staling

Joseph Stalin was a very powerful and murderous dictator (Joseph 1). He was the second leader of the Soviet Union (Stalin 1). Joseph Stalin’s real name was losif Vissarionovich Dzhugashvili was born on December 18, 1879 in Gori, Georgia (1). Was educated at the Tiflis Theological Seminary (Kreis 1). Was born of illiterate peasant parents, his harsh spirit have been blamed on undeserved and severe beatings by his father, inspiring vengeful feelings toward anyone in a position to wield power over him (Stalin 1). His mother set him on a path to become a priest, and he studied Russian Orthodox Christianity until he was nearly twenty (1). He studied at a theological seminary where he began to read Marxist literature ( Joseph 1). He never graduated, instead devoted his time to the revolutionary movement against the Russian monarchy (1). Stalin was not one of the decisive players in the Bolshevik seizure of power in 1917, but he soon rose through the ranks of the party (Joseph 1). After Lenin’s death in 1924, a triumvirate of Stalin, Kamenev, and Zinoviev governed against Trotsky and Bukharin ( Stalin 2). The final stage of Stalin’s rise to power was the ordered assassination of Trotsky in Mexico in 1940, where he had lived since 1936 (Stalin 2). Indeed, after Trotsky’s death only two members of the â€Å"old Bolsheviks† remained – Stalin himself and his foreign minister Vyacheslav Molotov (2). Stalin consolidated his power base with the Great Purges against his political and ideological opponents, most notably the old cadres and the rank and file of Bolshevik Party (Stalin 2). The population suffered immensely during the Great Terror of the 1930s, during which Stalin purged the party of ‘enemies of the people’, resulting in the execution of thousands and the exile of millions to the gulag system of slave labor camps (Joseph 1). He also orchestrated a massive famine in the Ukraine in which a estimated 5 million people died (Stalin 2). It is believed that with the purges, forced famines, state terrorism, labor camps, and forced migration, Stalin was responsible for the death of as many as 40 million people within the borders of the Soviet Union (2). These purges severely depleted the Red Army, and despite repeated warnings, Stalin was ill prepared for Hitler’s attack on the Soviet Union in June 1941 (Joseph 1). His political future, and that of the Sovi et Union, hung in the balance, but Stalin recovered to lead his country to victory (1).

Sunday, November 10, 2019

Of Mice And Men Report

Although Lennie from â€Å"of mice and Men† and Mrs. Jones from â€Å"Thank You Ma’am†are similar in a way the authors portray them as caring, there are diffrences in theses characters that help readers understand important themes in the two stories. Lennie and Mrs. Jones have little similarties, But yet have many diffrences There are some similarties between Mrs. Jones The main characters in the twon storys. Both characters are sympathetic towards others. Lennie from â€Å"of Mice and Men† showed many sympathetic action towards other charcters and animals. (pg. 58)An rabbits, lennie said eargily; and id take care of them tell how id do that George† this showed that lennie cared for rabbits. Mrs. Jones is Also very sympathetic for another. She show sympathy by helping out a young boy who was in need of food and money. Mrs. Jones bring a boy into her home and fixes him up a hot plate of food. The boy had once had tried stealing from her, so she sees if she can trust the boy by turning her back towards he purse while she was cooking, to see if the boy would runaway with her purse. â€Å"(Pg. 9) Theres nobody home at my house,† said the boy. â€Å"Then we’ll eat said the woman. † â€Å" I believe your hungry- or been hungry-to try to snatch my pocket book. † Mrs. Jones notices that the boy most likely had no one around to buy food or buy him clothes so she shows sympenthy by helping him out. Later on we find out that the boy was stealing to buy some knew blue suaed shoes. Mrs. Jones gives hime ten dallors,and trreaches him a very important life lesson. She shows him that you don’t need to steal to get what you want you ask or either work to get what you want in life. Despite Lennie and Mrs. Jones similarties they have very important diffrences. â€Å"Pg. 90) the woman did watch her purse to see if the boy would runaway, nor did she watch her purse when she left it behind her bed. † This action shows that Mrs. Jones is intellegant Because she left one of her great valuables behind her to test the boy if he would runoff with her purse. In contrast, lennie also had diffrences from Mrs. Jones. A matter of fact Lennie would have some else speak for him for he was mentaly slow. He was of say the wron thing and getting him self into trouble. â€Å"(Pg. 62)What the hell you laughing at? Curly † â€Å"Lennie looked blankly at him, ‘huh? ’† Lennie got him self into trouble and curly began to swing on Lennie and lennie cried for George/ George yelled for lennie to fight back to protect himself and lennie did. This action showed that Lennie wasn’t very intellegant to keep his mouth shut and be quite to himself. Also it shows how slow he is by having Gorege telling him What to do.

Friday, November 8, 2019

Renaissance and the church

Renaissance and the church The renaissance period is known to have had various effects on the Catholic Church, both positive and negative. This was the period when the Catholic Church gained a lot of popularity from people. However, it was also during this period when the church almost collapsed. This paper seeks to establish the various ways that the rise and the near collapse of the church were due to the renaissance period.Advertising We will write a custom essay sample on Renaissance and the church specifically for you for only $16.05 $11/page Learn More Despite the very many contrasts that were existent during this period, there was a declining influence of the Catholic Church. Most humanists thought that the church still had traditional rules, values and policies which they felt that they were getting outdated and should therefore change. In the earlier periods, the Catholic Church was an imperative part of the structure that was based on the faithfulness between vassals of the feudal system and the lords. In the renaissance period however, there was a shift on focus from religious matters to money matters. The church had a hard time adjusting to this fresh philosophy. As a result the church had been accused on the grounds of corruption on several occasions, an act which gave the church a bad reputation. The high regard of the church was also wounded as some church heads desecrated the biblical regulations they were delegated to uphold and existed no differently that the worldly merchants and political numbers. This was additionally compounded by the comprehension by the new sovereigns that, in order to maintain supremacy, the church had to operate according to its traditional rules and regulations, practices that were fading in the church. This was because some church leaders were acting in a manner which was in accordance to the principles of the Catholic Church. Although there was decline in the popularity of the Catholic Church during this era, there w as some growth in religious matters. This mostly happened in the 14th to the 15th century in a period which later came to be known as The Reformation. It was more critical in the 16th century. Decline of the Church The papal patio was mortified when, in the in the early years of the 14th century, the French emperor enforced them to Avignon. This strained move led the churches uppermost leaders to emerge as the subjects of France.Advertising Looking for essay on history? Let's see if we can help you! Get your first paper with 15% OFF Learn More The church, in its place of providing religious leadership to the rapidly shifting society, became pre-occupied with its management of staff and procedures. The dilemma became even worse during the Great Schism, when opponent popes vied for power of the church. This was evidence of greed in the church. The ultimate outcome further lessened the political weight of the church. There were commendable leaders of the Catholi c Church for the duration of these times. Nicholas V and Pius II, who followed after the latter, were educated, devout and dignified heads of the church. There were in addition other popes, like Alexander VI, who was pope in the year 1492, Julius II and also Leo X, who were primarily concerned with the political grounds, the endorsement of their families and the benefaction of the art. These popes additionally weakened the capability of the Catholic Church to have authority on the society and also in politics. With its destabilized authority, the church established that its papal power was getting increasingly challenged, both in the vicinity and countrywide. These tests to the papal influence, known as â€Å"heresy†, burgeoned, and critics turned out to be more candid and copious The Growth of Religion The worry of the churches situation was a consequence of the power of the church, not the flaw. The pressure of the Catholic Church was failing but there was yet increasing re cognition of religion all the way through all regions of Europe (Barry, 11). Religion started to revolutionize. Preachers called on the sinners to ask forgiveness (repent). This association believed in straight revelations from God devoid of the church as an agent. People who protested the Catholic Church, along with their contradictory beliefs, posed a menace to customary religion. Popular unorthodox movements sustained their growth and continued to dare papal authority. Some fractions of these movements happened to be so willing to have the whole Catholic Church done away with. For the duration of the 14 century, a British theorist, John Wycliffe started airing his grievances against the Catholic Church in his trainings and scripts. These heretics grow to be popular due to their attacks, but they hang about as a small underground. The preponderance of the reformers expected to modify the Catholic Church, not get rid of it. There was a very significant theologian in the early times of the 16th century at the University of Paris who supported conciliar theory. This hypothesis aimed at making a reformation to the Catholic Church by eliminating the supreme influence of the pope and putting it in a common council.Advertising We will write a custom essay sample on Renaissance and the church specifically for you for only $16.05 $11/page Learn More The renaissance period can hence be seen as a period that meant a lot of trials and consequent tribulations to the Catholic Church as a whole. It kept the church in constant upheavals (Starn, 22). Barry, William. The Renaissance. The Catholic Encyclopedia. New York: Robert Appleton Company, 1911. Vol. 12. Starn, Randolph. A Postmodern Renaissance? Renaissance Quarterly. 2007. 60(1): 1-24

Wednesday, November 6, 2019

Alcatraz essays

Alcatraz essays In western California, in San Fransisco Bay, Alcatraz rises 130 feet above the surface of the bay and is about 1755 feet long. The United States Depeartment of Justice used the island as a Military Prison from 1868 until 1933, when it became a federal prison for dangerous prisoners. The prison was closed in 1963. In 1972 Alcatraz became part of the Golden Gate National Recreation Area. The island has many natural features such as gardens, tide pools, and bird colonies. This year marks the 30th Anniversary of the occupation of the Alcatraz Island by Indians of all tribes. The name Alcataz derived from the spanish word Alcatraces. It was given to the island by a spanish explorer namedm Juan Manuel de Ayala. The name Alcatraz means pelican or strange bird. Well known prisoners that stayed in Alcatraz were Al Capone, George Machine-Gun Kelly, Alvin Karpis, and Arthur Doc Barker. At Alcatraz, a prisoner had 4 rights: food, clothing, shelter, and medical care. Everything else was a privilege and had to be earned. Privileges that had to be earned were: working, corresponding with and having visits from family members, access to the prison library, and recreational activities. Over the 29 years that the federal prison operated, 36 men, including 2 who tried to escape twice, were involved in 14 separate escape attempts. 23 were caught, 6 were shot and killed, and 2 drowned. No one ever succeeded in escaping from Alcatraz. Although, to this day, there are 5 prisoners listed as missing and presumed dead. The average population for the prison was between 260 and 275 prisoners. The prison never once reached its maximum capacity of 336. Some prisoners considered Alcatraz better than other Federal Prisons. After the prison closed, it was basically abandoned. Many ideas were brought up for the island. From 1909 through 1911, Alcatraz wa ...

Monday, November 4, 2019

Research Foundational Theorists Assignment Example | Topics and Well Written Essays - 750 words

Research Foundational Theorists - Assignment Example Sigmund Freud contributed many concepts and theories to the psychoanalytic school of psychology. Freud speculated that there were three components of the personality that existed at separate levels of consciousness -- id, ego and superego. The id controls what the person wants and nothing more, the ego tries to appease the id in realistic ways, and the superego aims for perfection, often acting as the conscience by making the person feel guilty about misbehaving (Freud, 1990). Freud also initiated the talking treatment as a way of healing, which is when a person would simply talk their way through their problems, enabling Freud to pinpoint the cause of their problems. This method is one of the more common approaches in therapy today. Harry Harlow also made his own contributions to the behaviorist school of psychology in regard to the need for a human to have a feeling of attachment to someone and to create a bond, demonstrating the importance of companionship in social and cognitive growth. He proved this by isolating baby monkeys from their mother and seeing if they preferred a wire parental figure or a cloth one. The results showed that they preferred the cloth one, as it was more warm and comfortable. Philip Zimbardo brought insights to the social school of psychology through his famous Stanford Prison experiment, which helped to understand institutional norms. Zimbardo picked a sample of normal people, brought them to a makeshift prison and gave them roles. It was not long before the â€Å"prison guards† began to treat the â€Å"criminals† as if they were real criminals. The experiment ended up getting out of hand, with many subjects experiencing severe emotional disturbances (Zimbardo, 2007). By easily falling into their roles, Zimbardo proved that people are impressionable and obedient when provided with sound ideology and social and institutional

Friday, November 1, 2019

Role & Functions of Law Research Paper Example | Topics and Well Written Essays - 1000 words

Role & Functions of Law - Research Paper Example The famed writer of Civil Law, Sanchez Roman defined law as a rule of conduct, just, obligatory, laid down by a legitimate power for common observance and benefit. (Nolledo 1978, p. 1) Another requisite is the existence of a sanction or punishment in case of non-observance of the rule of conduct. The sanction may be in the form of either or some of the following: fine, imprisonment, forfeiture of rights and properties, payment of interest or surcharges, liability for damages, expulsion or deportation, and exile. Nolledo (1978) presented following characteristics of business law, to wit: (1) it is universal because it exists in every civilized society; (2) it is progressive because as time passes, business law accumulates new ideas and keeps abreast with modern trends; (3) it is equitable because business transactions involve exchange of values and considerations; (4) it is customary because its rules are followed from time to time or are invoked in every day transactions; and finally (5) it is uniform because within a country, a business act or contract is governed by the same rules. (p. 8) In an article written by Bushman (2007), she recognized the importance of law in the successful operation and existence of business and society. Accordingly, she stipulated that â€Å"laws regulate social behavior, which leads to a society that runs efficiently. Laws also supply ethical standards and expectations, while providing rules of conduct, measures to enforce those rules, and a means for settling disputes. According to Gillies (2004), â€Å"the formal view of law is that it functions to regulate human behavior in obedience to an infinity of different policies. In particular, it aims to regulate relations between persons for in a crowded society, people have to co-exist and occasionally their interests collide†. (p. 4) Other functions of law include: peacekeeping; checking government power and promoting personal freedom; facilitating planning and the

Wednesday, October 30, 2019

Medical ethics Essay Example | Topics and Well Written Essays - 250 words

Medical ethics - Essay Example To some degree I would classify myself as a secular humanist and believe that ethical decisions should be based on firm logic and ethical theory, instead of religious doctrine. One of the major issues of in medical ethics has been the question of whether individuals in severe and life-ending pain should be able to commit euthanasia. Currently, individuals such as Dr. Jack Kevorkian have been imprisoned for practicing euthanasia. I believe this should not occur. I object entirely to the notion that individuals in such situations should not have the option of terminating their life. I believe that if an individual is clearly in a strong level of pain and their life will be hindered beyond enjoyment and wellness, then the individual should be given the option of ending their existence. Furthermore, allowing religious doctrine to dictate medical ethics is a dangerous slope, wherein progress and outstanding care may be compromised because of outdated

Monday, October 28, 2019

Types of Essay Writing Essay Example for Free

Types of Essay Writing Essay Essays are major part of academic education. In US almost all college and university admission can be done by writing essay. The admission officers with better insight about your essay and how you differ from the other applicants essays. In crucial stages the essays are used to make a decision whether an applicant will be selected. In academic education students regularly have essay writing activities based on their course content. The initial steps are usually deciding what topic to discuss. The next choice that essay writers tackle is what type of essay to write. There are various types of essays such as critical essays, reflective essay, admission essays, narrative essays analytical essays and many others. In addition there is variety of essay types, most of them are related to academic coursework written to study an exact topic and reflect the outlook of the writer. However, the students should focus on specific topic and what types of essays will be wrote. Admission essay The main point of an admission essay is conducted by admission board that you are worth entering the college. Nowadays almost all college and university admission can be done by using admission essay. You should write your best and demonstrate your superior writing skills. The admission essays are the best chance to show your commitment to a career in business by demonstrating those experiences, people, and events that influenced your decision to enter the field. Argumentative essay In Argumentative essay writing we try to convincing others to agree with our facts, share our values. When writing argumentative essay you should state or position regarding of a subject for the main point of opinion. While writing you can add statistics report, well expert view and well support advice about a state or debate. The well argumentative essay should be clear, exact, and highly focused. Cause effect essay In Cause effect essay writing you have to talking about a troubled with why things occur (causes) and what happens as a consequence (effects). The cause and effect essay is the best technique of organizing and talking about ideas. At university and college cause and effects essays are most general papers in a composition course. Classification essay Classification essay writing is not only writing about other essay types, but also the ability to organize the ideas and things into sort. Most of students are well experts in writing classification essays. Since years the students studying in the field that have need of them to sort out ideas. Hence, the students can be written his classification essay without difficulty. Critical essay When critical essay writings you have to state agree with the fully subject. The word critical is telling about the attitude when you have read editorial or part of the book. The critical essays start with a psychoanalysis or explanation of the article or part of a book. Definition essay The definition essay writing you can talk an understanding about certain idea or things. Such things as bird, water are very exact and well concentrate. The way of writing your definition essays you have to give your readers with a new way of looking at things your way. Five paragraph essay The five paragraph essay is the classic format of composition. Its only the format of writing essays; its the types of essays which help for college and university students to develop your composition skills. The name represents like this essays should have five paragraphs. The introduction should include with thesis statement and following paragraphs must be talking about the core your essay topic or subject. The conclusion should be concluding the topics or idea of your topic given.

Saturday, October 26, 2019

The Abominable Pig by Marvin Harris Essay -- Abominable Pig Marvin Har

The Abominable Pig by Marvin Harris Is it possible that the almighty God is wrong? The bible explicitly states, in no questionable terms that whatever is of the hoof and is cloven footed and chews the cud among animals, you may eat. Obviously, the pig has fallen short of the statement’s requirements, hence the reason why, Marvin Harris author of the article â€Å"The Abominable Pig,† has opted to explore the reasons why this is the case as his central argument. Harris does not seek to completely refute this theory; in fact, even though he pinpoints certain flaws in the biblical proclamation, he scrutinizes the reasons why God has chosen to isolate this particular animal, for it is no more a carrier of disease than any other. Harris contends that if the statement is reworded to state, â€Å"Flesh of swine thou shalt not eat until the pink has been cooked from,† and then that would have sufficed as opposed to eradicating its use completely. Firstly, Harris looks at the Old Testament’s characterization of the pig and then compares it to a trichinosis perspective (which is a di...

Thursday, October 24, 2019

Impact of Cosmetic Advertisements on Women Essay -- Advertising Market

The Shape of America As marketing strategies have evolved, they have enhanced the ability of advertisers to communicate to the "masses" more effectively than ever before. This ability has allowed advertisers to not only reach more markets, but to be more influential in the decision making process of the audience. American society, especially young women, is being influenced by advertisers more now than in previous generations. It is not by accident that teenagers and young adults are targeted by advertisers, especially since their purchasing power as a group exceeds that of any other consumer group. Not only have advertisers learned to identify specific products that appeal to men and women, but they have also found that the "want" of the consumer can be turned into a "need" for the advertised product. Many of the beauty product companies advertise their products as a "need" which ultimately appeals to a vast majority of women. Estee Lauder’s beauty product is one such advertiser. In an August 2004 issue of Vogue magazine, enclosed was a two-page ad campaign intended to sell Estee Lauder’s â€Å"Future Perfect Anti-Wrinkle Radiance Moisturizers SPF.† This advertisment is appealing to the consumer because it stresses the importance of remaining young by the use of this product. This advertisement then goes further to stress that, â€Å"The past is forgiven, the present is improved, and the future will be perfect.† This advertisement includes three alluring models, all of which are of different ethnicity but essentially have the same physical attributes. This image is used to appeal to all sorts of American women. The models all have famished bodies; this includes their angular, somewhat gaunt faces and protruding collarbones. Located right below this image is the company’s slogan which reads, â€Å"ESTEE LAUDER. Defining Beauty.† The attempt is made with this adverti sement to define beauty with images of starved and malnourished models which Estee Lauder claims to be the standard for beauty. Estee Lauder is presenting its view of beauty to the consumer as the defining truth. The issue with the advertisment is the acceptance by the consumer that the Estee Lauder definition of beauty is truthful and factual. The targeted audience for this advertisement is women of all ages. Beauty is something extremely important to women and is constantly being reinforced in the socie... .... Of course these women are not "real" women, but far to often do women take drastic measures look like these fashion models; this eventually will lead to eating disorders or severe depression. According to Natural Health magazine, 44% of women who are average or underweight think that they are overweight. The average woman's dress size is 12 and the average mannequin/model's dress size is 4 (NBC.com); this makes women feel as if they will never be good enough. According to Melissa Raftery, "When we open a magazine, we never see some 400-pound woman on the first page. Instead we see a woman who is 23% skinnier that the average American woman" (What Is Beauty?). Unfortunately, Estee Lauder is not the only beauty product company that puts forth this â€Å"definition of Beauty† and beauty product companies are not the only companies â€Å"defining beauty.† As long as the targeted market continues to buy into the advertisers â€Å"perfection line,† the advertiser s will continue to deceive the public. For those who are gullible enough to believe this line of advertising, Estee Lauder ensures confidence and beauty all in one product. After all, their slogan does read, â€Å"ESTEE LAUDER. Defining Beauty!†

Wednesday, October 23, 2019

DM Bicycle Company

As the HR director of DMBC I have witnessed first hand the change in Mr. Duncan’s responsibilities to the company. He has become deeply afflicted by the diagnosis of Batten disease to his nine year old daughter Nicole. Wanting to begin a new CSR program aimed at combating Batten disease Mr. Duncan has gone out on his own accord to use the windfall created by the FY11 projections to help fund this endeavor of his. Though I’m empathetic and personally feel for what he and his family are going through, Mr. Duncan still has a responsibility to the employees and shareholders of DMBC. By combining his role as CEO with his role as a father it is clear he has gotten off track and has overstepped his responsibility as the face of the company. My concerns with what is happening at DMBC has to do not just with the proposed CSR program for Mr. Duncan and it’s effects towards the company, but also with the duties of the senior leadership and the current culture amongst them. If he goes through with funding a new CSR program in order to help his daughter Nicole, Mr. Duncan will be doing more than just taking away bonuses from our well deserved employees. He will be changing the core principles and key practices of DMBC. When I approached Jim Miniter in order to get some resolution about the situation he told me several things that created a feeling of unease. As we talked in his office he said â€Å"We’re going to have to present this change (new CSR program for Batten disease) in the annual report and at the shareholder meeting—but I guess Gino can finesse those things,† and when I asked him if he would talk to Mr. Duncan he responded with â€Å"I can’t. It would be like betraying a brother. This rationalization by Mr. Miniter and his loyalty to Mr. Duncan has skewed his primary duty as the CFO of DMBC. I believe as the CEO, Mr. Duncan is an agent to the individuals who own the corporation and its employees not the other way around. By letting him fund this project without debate, he has created an environment where employees are afraid to speak up about his direction. He wants to change the current CSR program of Ride for Life towards a cause that personally benefits his interests which is ethically unsound. Senior leadership has been passive in letting Mr. Duncan force his future CSR program for fear of disloyalty and reprisal. While talking to other employees they’re also afraid. They’re afraid of possible effects on promotions and evaluations if they do not follow suit or participate in helping Mr. Duncan use the projected windfall for his daughters fight against Batten disease. I make these following recommendations in order to thwart off any negative effects Mr. Duncan’s professional choices could have against DMBC. Create an indoctrination program for all new employees and a refresher training course for all current employees to establish the company’s code of ethics and values. By doing this, we’ll have employees who are responsible into ensuring that leaders are consistent in their commitment to proper ethical behavior. Rather than put the Ride for Life program on hold we need to expand on it by creating a program that raises the issue of Batten disease. Raising awareness for Batten disease doesn’t have to be just monetary. The Ride for Life program has been so successful—both in raising employee morale and in creating positive public relations that Dottie Thompson had been working for nearly a year to take the program national. Though Mr. Duncan is the CEO, he should lead the Ride for Life/Fight Batten Disease CSR program so it allows him to focus on his cause and spend more time with his family. By having him focus directly on what has been side-tracking him from his professional duties for the last several months he will have a greater impact with everyone who is connected to DMBC. It also allows him to expand awareness of DMBC CSR programs from Greensboro to Rochester, New York that will benefit the company. Lastly, employees should be allowed to dictate where their bonuses and participation goes without fear of retaliation from corporate. I can assure you by allowing them to decide where their bonuses and volunteer work go they will end up supporting Mr. Duncan and his cause even more than despising him. I understand my position as the HR Director at DMBC, but it is also my duty regardless of title to uphold my values, integrity, and my overall responsibility to the employees and shareholders.

Tuesday, October 22, 2019

Interrogations Of Chinese Immigrants At Angel Island Essays

Interrogations Of Chinese Immigrants At Angel Island Essays Interrogations of Chinese Immigrants at Angel Island Chinese immigration, after being shut down for many years by governmental legislation and an anti- Chinese climate resumed quickly after 1906. The major earthquake and fire that occurred in San Francisco lent the Chinese immigrants a window of opportunity to regain entrance to America. Immigrants could now claim, without proof, that they were indeed the son or daughter of a citizen or a partner in a legitimate business. These paper sons and paper merchants increased the number of Chinese immigrants by an unbelievable rate. It was this supposed population explosion that would lead the United States to investigate all incoming Chinese immigrants. Being wary of the impossibility of so many legitimate children of U.S. citizens of Chinese descent, the department of immigration and naturalization sought out to verify that these people were indeed the true sons and daughters or the actual businessmen that they claimed to be. Therefore it was against this historical background and unde! r these particular auspices that the interrogations at Angel Island were carried out from 1910 to 1940. These interrogations were by no means fair, nor were they based on any other legal or practical precedent. While unreasonable detentions were already the norm, the act of interrogating immigrants to the extent that the Chinese were interrogated was unheard of in history. These interrogations were intricate and detailed, and designed to ensnare unwitting Chinese immigrants seeking entrance into the United States. The interrogations not only presented a hurdle for incoming immigrants by prolonging their detention at Angel Island and increasing the bureaucracy required to process Chinese immigrants, but would deeply scar the Chinese landing in the United States. Moreover, the traumatic experiences at Angel Island coupled with other practices following the detentions such as raids of Chinatown during the Red Scare of the 1950's led to a persistent fear of deportation by landed C! hinese. The interrogations were more than just simple interview questions about one's village or parents, rather they were, taken as a whole, another method to exclude the Chinese from America. The entire interrogation was loosely structured but by no means were they were regular or fair. After being held at Angel Island on a writ of habeas corpus, Chinese immigrants were interrogated by a Board of Special Inquiry which was composed of two inspectors, one of which was the Chairman of the Board, a stenographer, and finally an interpreter. This board was not held to technical rules of procedure or evidence as used in other federal courts but rather was allowed to use any means it deemed fit under the exclusion acts and immigration laws to ascertain the applicant's legitimacy to enter the United States (Lai 20). Nevertheless the lines of questioning were generally the same for all immigrants. The questions usually started with personal information then proceeded onto family information, village information, and then finally information on the home. Within these groupings there were multiple side questions concerning details of the family or village. Immigrants were aske! d extremely detailed and far ranging questions within these side questions. They were asked questions similar to the questions Jow Yick faced in 1909 in case #1424, "Is she (your mother) a small footed woman?" or "Is any body of water near or within sight of your house?" Other questions concerning the village became increasingly detailed. In the case of Ung Shee, case #16778/2-12, the husband had to testify on the entire village and all the particulars of the inhabitants of each home. In one instance the inspector asked the husband of Ung Shee whether or not the woman in the third house and fourth row of the village had bound feet. In Ung Shee's case, detailed questioning about every family in every house was continued up until the seventh row of the village. Her husband also endured questions such as, "Do you cross a stream going to the market?" and "How large is the bridge over that stream?" as well as other questions such as, "Did your brother have a picture of yourself in ! his house?" (Box 1211 National Archives). This however, was not far from the norm for most immigrants. To give a general idea of the structure of the interrogation,

Monday, October 21, 2019

Tips for Applying to Clinical Psychology PhD Programs

Tips for Applying to Clinical Psychology PhD Programs Clinical psychology is the most popular and competitive area of study in psychology, and arguably the most competitive of graduate programs in all social and hard sciences. Counseling psychology is a close second. If you hope to study either of these fields you must be on your game. Even the best applicants dont get into all of their top choices and some dont get into any. How do you improve your odds of gaining admission to a graduate program in clinical or counseling psychology? Obtain Excellent GRE Scores This one is a no-brainer. Your scores on the Graduate Record Exam will make or break your doctoral application in competitive fields like clinical and counseling psychology. High GRE scores are important because many clinical and counseling doctoral programs receive hundreds of applications. When a graduate program receives more than 500 applications, the admissions committee looks for ways to weed out applicants. GRE scores are a common way of narrowing the applicant pool. Excellent GRE scores not only gain you admittance to graduate school, but they may also get you funding. For example, applicants with high GRE quantitative scores might be offered teaching assistantships in statistics or a research assistantship with a faculty member. Get Research Experience Applicants to graduate school in clinical and counseling psychology need research experience. Many students believe that applied experience working with people will help their application. They look for internships, practica, and volunteer experiences. Unfortunately applied experience is useful only in small doses. Instead doctoral programs, specifically Ph.D. programs, look for research experience and research experience trumps all other extracurricular activities. Research experience is out of class experience conducting research under the supervision of a faculty member. It usually begins with working on a professors research. Volunteer to help in any way needed. This might include administering surveys, entering data, and looking up research articles. It often also includes tasks like copying and collating papers. Competitive applicants design and carry out independent studies under the supervision of a faculty member. Ideally, some of your research will be presented at undergraduate and regional conferences, and perhaps even published in an undergraduate journal. Understand the Value of Research Experience Research experience shows that you can think like a scientist, problem solve, and understand how to ask and answer scientific questions. Faculty look for students who show a good fit to their research interests, can contribute to their lab, and is competent. Research experience suggests a baseline skill level and is an indicator of your ability to succeed in the program and complete a dissertation. Some applicants gain research experience by earning a masters degree in a research-oriented field such as experimental psychology. This option often appeals to students with little preparation or low-grade point averages as supervised experience with a faculty member highlights your potential to become a researcher. Know the Field Not all clinical and counseling doctoral programs are the same. There are three classes of clinical and counseling doctoral programs: ScientistScientist-practitionerPractitioner-scholar They differ in the relative weight given to training in research and practice. Students in scientist programs earn PhDs and are trained exclusively as scientists; no training is offered in practice. Scientist-practitioner programs train students in both science and practice. Most students earn PhDs and are trained as scientists as well as practitioners and learn to apply scientific approaches and techniques to practice. Practitioner-scholar programs train students to be practitioners rather than researchers. Students earn a PsyD and receive extensive training in therapeutic techniques. Match the Program Know the difference between a Ph.D. and PsyD. Choose the type of program that youd like to attend, whether it emphasizes research, practice, or both. Do your homework. Know each graduate programs training emphases. Admissions committees look for applicants whose interests match their training emphases. Apply to a scientist program and explain that your professional goals lie in private practice and youll receive a rejection letter instantly. Ultimately you cannot control the admission committees decision, but you can choose a program that fits you well, and you present yourself in the best light possible.

Sunday, October 20, 2019

Free Essays on Review Of Narrative Of The Life Of Frederick Douglass

. At this point in his lesson Mr. Auld encountered what his wife was doing for Frederick and forbid her to continue. He believed that "if you give a nigger an inch, he will take an ell" and continuing with "learning would spoil the best nigger in the world". The masters felt that an ignorant slave formed a choice slave and any beneficial learning would damage the slave and therefore be futile to his master. His next step on the road to success was during his seven years living with Master Hugh’s family. Frederick would make friends with as many white boys as he possibly could on the street. His new friends would be transformed into teachers. When he could, Frederick carried bread on him as a means of trade to the famished kids for knowledge. He would also carry a book anytime he had an errand to run. The errand would be completed quickly, allowing extra study time. When Frederick was working in Durgin and Bailey’s ship-yard he would notice timber marked with various letters... Free Essays on Review Of Narrative Of The Life Of Frederick Douglass Free Essays on Review Of Narrative Of The Life Of Frederick Douglass Review of Narrative of the Life of Frederick Douglass Frederick Douglass was born in Tuckahoe, Maryland, near Hillsborough. He doesn’t know for sure of his age, he has seen no proof and his master will not inform him. Most masters prefer for their slaves to stay ignorant. He believes that he was around twenty-seven and twenty-eight when he began writing his narrative - he overheard his master say he was about seventeen years of age during 1835. His mother, Harriet Bailey, was separated from him when he was an infant and she died when he was seven years old. Frederick’s father was a white man who could have been his master but he never found out. Education was of utmost importance in his life. He received his first lesson while living with Mr. and Mrs. Auld. Sophia Auld, Frederick’s "mistress", was very humane to him and spent time teaching him the A, B, C’s. After he mastered this, she assisted him in spelling three and four letter words. At this point in his lesson Mr. Auld encountered what his wife was doing for Frederick and forbid her to continue. He believed that "if you give a nigger an inch, he will take an ell" and continuing with "learning would spoil the best nigger in the world". The masters felt that an ignorant slave formed a choice slave and any beneficial learning would damage the slave and therefore be futile to his master. His next step on the road to success was during his seven years living with Master Hugh’s family. Frederick would make friends with as many white boys as he possibly could on the street. His new friends would be transformed into teachers. When he could, Frederick carried bread on him as a means of trade to the famished kids for knowledge. He would also carry a book anytime he had an errand to run. The errand would be completed quickly, allowing extra study time. When Frederick was working in Durgin and Bailey’s ship-yard he would notice timber marked with various letters...

Saturday, October 19, 2019

Of Mice And Men by John SteinbeckYou will need to develop an Research Paper

Of Mice And Men by John SteinbeckYou will need to develop an argumentative thesis statement based on the idea of The American - Research Paper Example Crooks, also desiring not to be left alone on the ranch, wants to join their dream of independence. Curly’s wife, before she dies, confesses her dream to be a movie star. In fact, the only characters that do not admit to such a dream are those who stand atop the social and economic hierarchy. Curly, for instance, enjoys his place of power and represents a repressive force in the story insofar as he suppresses and controls the dreams of others. These are dreams of independence that reflect the concept of the American dream generally; however, at least from Of Mice and Men, the reader comes to realize that such dreams are economic, and spiritual, impossibilities. The impossibility of the stereotypical American dream is only strengthened by the overarching economic climate in which the men live. As Crooks tells George, â€Å"Nobody never gets to heaven, and nobody gets no land† (Steinbeck 74). What Crooks says here is particular interesting because it indicates that men ar e both economically and spiritually deprived of what they truly need. While George and Lennie are seeking the seemingly simple goal of acquiring their own land and independence, Crooks’ observation is that such land would provide more than substance and bodily satisfaction.

Friday, October 18, 2019

Vehicle Pay-As-You-Go Insurance Essay Example | Topics and Well Written Essays - 8250 words

Vehicle Pay-As-You-Go Insurance - Essay Example These may include efficiency, equity, safety and environmental protection. This essay describes and appraises the Pay As You Go system. I wish to deliver an excellent and understanding piece of report. After the completion of my Businesses Information Technology degree I wish to do future studies in Software Engineering. This would allow me to focus on software development and go beyond programming to include such things as eliciting customers' requirements, and designing and testing software. I would learn how to assess customer needs and develop usable software that meets those needs. I am keen on how companies market their product which could help me when I have to do this at work. I will put in all the knowledge and skills that I have learnt throughout the course of my studies to my project. I would also like to learn more about marketing and how this chosen system works. By the end of the project I am hoping to gain a good level of understanding of how the systems work and the reasons for such system. In order to write this report I researched into different materials, which included books, journals articles, various publications and web resources. I widely used the internet which was essential as the time was limited and plenty of information can be extracted from various websites. Certain web resources are not reliable but I managed to avoid them by choosing only those which were official or had references given with the data. This allowed for enough accuracy in order to write this article. Some books and journal articles were also available on the internet and they were looked into. The books and journals usually provide with accurate information and data that is helpful in writing an essay. Apart from these, there were case studies and research findings also that I read up and reviewed. Such resources are very reliable thus I made use of them. Background Car insurance premiums can take a bite out of your household budget. There are many tips available to reduce your car insurance costs but the fact remains you are required by law to carry a minimum amount of coverage if you own and drive a car. While most people are aware that car insurance providers offer discounts for people who travel fewer miles than their high mileage partners many people are not aware that some insurance provide