Company logistic analysis and drawbacks and recomendation Research Proposal

Organization calculated examination and downsides and recomendation - Research Proposal Example The organization is recorded on the New York stock trade and in the doe Jones. The organization appreciates great income. In the finical year of 2011, the organization made a benefit of 3.9 billion and their gross deals were up to 70.4 billion. The company’s stocks appreciate great appraisals and exchanging the stock trade. The profits paid for the stocks are acceptable and investors appreciate numerous advantages that accompany the quality of the stocks (Burritt). In the year 2010, home stop purchased a versatile gadget innovation. This innovation is planned for facilitating the way toward loading racks. It additionally permits them to watch out for clients regardless of which part of the store they are in. this has helped a great deal in improving client support. The organization is an all adjusted organization. This is on the grounds that when clients have cash, it permits them to do home upgrades all the more regularly. This stocking innovation has permitted home terminal to make tremendous benefits. This innovation encourages them in knowing which items have been lifted from the racks and need substitution. On account of the positive input that they are getting a direct result of this innovation, it is protected to expect that they will put more in these kinds of innovation. The organization is likewise looking for new innovation that will assist them with loading their racks better. Elements Leading to its Success Home Depot is targeting serving clients better. They need to improve customer’s fulfillment with the goal that they can get more income in deals. A portion of the measures that home terminal has embraced in order to improve their administrations are, Customer administration †proceeded with center around client support is driven by ways of thinking of making an emotive connection with the client. These methods of reasoning are putting the client first and making the business straightforward. Home stop has opened new call habita ts in Utah and Georgia essentially to have an increasingly customized association with the clients. Every one of these focuses have been opened in the last money related year. This has assumed a significant job in expanding the income and net revenues for the organization. In increases, new brains, for example, the new course of action framework for optional and brought together come back to dealer process has over 57% of all work hours committed to client administrations and before the finish of the money related year of 2013 the work hours will have arrived at 60%. Moreover, different estimates will be set up to guarantee total consumer loyalty. This will prompt expanded deals carrying the stock cost to a more significant expense. This will place the stocks in a superior situation than the earlier year. Item authority †center around item mastery is empowered by selling change and an assortment of systems, which are planned for conveying item curiosity, assortment and worth. I n augmentation of this methodology, new product and significance for both our skill and D-I-Y customer in an assortment of divisions are the focal point of the methodology. What's more, development of showrooms to suit more items particularly the Electrolux, whirlpool and Frigidaire will help in helping these brands to move and arrive at more shoppers. This is a direct result of the introduction that these brands will have on the open market. Controlled capital dissemination, proficiency and capability †the strategy to driving profitability and viability is progressed through constant operational updating, steady flexibly chain government aides, restrained cash dispersions and use control. Likewise constructing investor worth through complex

Medical terminologies for dummies

This site is devoted to helping fakers comprehend the wordings utilized in medication. It is appropriate for anybody new to the field of medication, just as anybody with an enthusiasm of the clinical language as well as clinical education.Advertising We will compose a custom basic composing test on Medical phrasings for fakers explicitly for you for just $16.05 $11/page Learn More The creators clarify that information on clinical wordings will just beginning by knowing the arrangement of the body and perceiving the clinical words that are ordinarily utilized. They likewise give a clarification of the impact of Greek in clinical phrasings. Furthermore, they give a rundown of the clinical words that consistently appear to be difficult to spell. In clarifying the body’s framework, the creators clarify that the body is a perplexing framework with segments that cooperate. They give a rundown of terms that speak to various parts that make up the body framework. These incorporate the skeletal, which speaks to the bones, joints, pivotal skeleton and the attached skeleton. The other term is solid, which speaks to the ligaments and muscle. The other term is tactile organs, which speaks to the eyes, mouth, ears, nose and the skin receptors. Moreover, there is the lymphatic framework, which incorporates the spleen, lymph hubs, tonsils, thymus, lymph liquid and the lymphatic vessels among different frameworks (Henderson and Dorsey 2). A rundown of the regular root words utilized in medication is given. The site tries to give the importance of certain body parts. Instances of the words recorded incorporate the abdomino, which implies midsection; Adeno meaning happy; anterio importance front; arterio meaning supply route; bio, which implies life; cardio, which implies the heart; cyto meaning a cell, and a rundown of numerous different words. The other segment gives a clarification of the clinical terms that are gotten from the Greek language. The site clarifies that th e organizers of present day medication are the Greeks subsequently the beginning of most clinical words. Instances of such words recorded on the site incorporate Semantics. This word is gotten from the Greek word semantikos that alludes to noteworthy. The coccyx is a term gotten from the Greek wording cuckoo. Basically, this is like a cuckoo’s bill. Cardium meaning the heart is gotten from the Greek word kardia. The creators additionally give a rundown of clinical words that are usually incorrectly spelled, for example, youth, alopecia, vaccinate skin inflammation, and gonorrhea among others. (Henderson and Dorsey 3).Advertising Looking for basic composition on wellbeing medication? How about we check whether we can support you! Get your first paper with 15% OFF Learn More This site is explicitly coordinated to individuals who are totally new to the clinical field and might want to comprehend the various terms utilized in medication. Medication is viewed as one of the most pi votal necessities to everybody. It is a subject matter, and a science concerning the body framework, the sicknesses, and methods of treatment. People have sooner or later in their lives visited a medical clinic or has seen a specialist for one explanation or the other. There are notices in the media like in magazines, radios, TVs and the web. Every one of these mediums attempt to clarify about wellbeing and how to manage it. They utilize various phrasings that are now and again difficult for the layman to comprehend. In this manner, it is imperative to be acquainted with the various wordings utilized in medication so as to comprehend the human bodies and the issues that influence them. This site gives a clarification of the essential terms utilized in the field of medication. For this situation, I will promptly acquaint it with my locale and my work place as a source of perspective manual for various terms utilized in medication. Works Cited Henderson, Beverley and Jennifer Dorsey. Clinical phrasing for fakers. 2013. Web. https://www.dummies.com/vocations/clinical professions/clinical wording/clinical phrasing for-fakers second release/ This basic composition on Medical wordings for fakers was composed and presented by client Ayanna Parker to help you with your own investigations. You are allowed to utilize it for research and reference purposes so as to compose your own paper; nonetheless, you should refer to it as needs be. You can give your paper here.

Tips to Help You Get How to Write an Essay Topic

Tips to Help You Get How to Write an Essay TopicIf you've ever struggled to write an essay on the topic of men and relationships, there's a good chance that you could benefit from some free advice on what you should and shouldn't do when writing your own essay. Of course, there are lots of things you can do to make sure that you don't get things wrong when you're trying to write an essay.This is especially true if you're writing an essay for a specific audience. It's very hard to predict what they'll want to see in an essay or how they might react to different things. By reading tips from other people, you can help yourself avoid getting something wrong.You don't need to panic if you're not writing an essay for college. That's why there are online courses that offer free tutorials on how to write an essay. You can learn how to be better at it by spending time looking at others' essays and taking notes on what they're doing right and what they're doing wrong. This will also help you b ecome more comfortable with the craft of writing.If you're writing an essay for a particular kind of audience, then you should be sure to be as objective as possible. Don't try to write about your personal experiences or the things that you've observed. Instead, simply use this as an opportunity to give an overview of the subject and then offer your opinion on it.For example, instead of describing your experiences in an article about what you like to do when you're bored, explain what you're thinking in short sentences. This will give you more room to describe your feelings and helps you stick to the topic of the essay. If you really want to get all your thoughts out, think about using a diary instead of writing in a journal.The usual advice given to writers includes doing plenty of research. This is so that you know what you're talking about and can avoid being accused of plagiarism. The more information you have on your topic, the better your chances are of having something worth writing about.Even if you plan to take another look at your essay before you send it off, make sure that you actually check it before you publish it. Be aware of any spelling mistakes or grammatical errors. They won't matter if someone can prove them. Make sure that you're free from any potential legal issues.No matter what the topic, make sure that you write as if you were in front of a mirror. Try to stay as cool as possible and make sure that you approach the task at hand with the right attitude. If you're feeling nervous, think about trying to write an essay on what's behind you rather than on what's in front of you.

The Lack Of Mental Health Treatment - 1528 Words

There are plenty of stories to share when discussing someone’s experience with the lack of mental health treatment. Throughout my research a couple stories jumped out at me and one of them was about a young man named Lorenzo from California suffering from schizophrenia. This was a brief story that was shared and his turn around to recovery because of the help provided. Lorenzo’s Story According to his mother, Lorenzo was a typical boy growing up in California. He enjoyed helping around the house and playing with his friends. But around the age of ten or eleven, Lorenzo’s mother noticed a change in him. He stopped spending time with his friends and began spending more and more time alone. His mother thought it might just be typical pre-adolescent changes until she came home one day and Lorenzo asked her, â€Å"Do you hear them? They’re trying to get me!† Her first worry was that Lorenzo had begun to use drugs, so she immediately took him to the emerg ency room for an evaluation. That’s when Lorenzo was diagnosed with schizophrenia. Over the next two decades, Lorenzo’s illness drove him to the streets where he committed petty thefts in order to survive. He spent a great deal of time in and out of jail for these offenses, but never got the treatment he needed for sustained improvement. All of that changed when he became a participant in San Francisco’s mental health court. There, working with a team of mental health practitioners and court and law enforcement officials Lorenzo wasShow MoreRelatedInadequacy Of The United States Mental Health Care System1104 Words   |  5 PagesStates Mental Health Care System: Barriers to Care According to the World Health Organization, mental illness will affect approximately 25% of people at some point in their life (â€Å"WHO Qualityrights†, n.d.). Despite that, the current mental health care system in the United States is inadequate. Many aspects of the system need improving, especially the barriers to service. In fact, approximately 20% of individuals are left without necessary treatment for their mental health disorder (â€Å"Mental Health†Read MoreMental Health Problems Are Still With Us1406 Words   |  6 PagesMental health problems are still with us because scientists haven’t developed the right drug treatments yet This assignment will attempt to identify how mental health issues are a problem in society today because the lack of development in pharmaceutical intervention. The essay will endeavor to give evidence on how the lack of understanding in some mental health illnesses has prevented the development in drug treatment. One such problem is seen in dementia, scientist have some understanding on whatRead MoreDescription Of Clinical Problem Of Mental Health Care1238 Words   |  5 Pagesspecialized treatment physically and/or mentally easier to obtain and an individual can have multiple choices. With the advancement of technology, living in rural areas does not mean that consumers cannot have the same access. Transportation to mental health follow up appointments can be challenging for rural consumers especially the elderly. Therefore, access can be challenging but with the education of consumers and their families, today consumers have a choice of whether or not to seek mental healthRead MoreMental Illness Of Mental Health Disorders1590 Words   |  7 Pagessomewhat reliable evidence has been gathered on mental illnesses and their prevalence. Before around the 1980’s though, the evidence that was gathered on mental illnesses was too inconsistent to be credible. In a survey conducted by the World Health Organization’s department of World Mental Health, data was gathered on the prevalence of mental health disorders in 14 countries around the world. The results of these surveys conclude that mental health disorders are more prevalent than any other chronicRead MoreThe Link Between Homelessness And Mental Health983 Words   |  4 PagesWhat’s the issue? The lack of mental health services available to the mentally-ill and the deinstitutionalization of mental health hospitals have created a public health concern. These issues along with a failed continuum of care plans and a lack of community mental health services have been major contributing factors to homelessness. In addition, the strict guidelines for psychiatric hospitalization are critical when analyzing homelessness. In many cases, only the critically ill are meeting clinicalRead MoreMental Health For The Mentally Ill999 Words   |  4 PagesMental Health Brief What’s the issue? The lack of mental health services available to the mentally-ill and the deinstitutionalization of mental health hospitals have created a public health concern. These issues along with failed continuum of care strategies and a lack of community mental health services are major contributing factors to homelessness. In addition, the strict guidelines for psychiatric hospitalization are critical when analyzing homelessness among the mentally-ill. In many cases,Read MoreA Brief Note On Mental Health And Health Care762 Words   |  4 Pages 4. Reasons for Treatment Gap Barriers to mental health care, which increase the treatment gap, are originated both at the governmental and the individual level (Kohn 2013). Barriers to care at the individual level result from the individual’s attitudes, false beliefs about mental illness, stigmatization, and lack of compliance with medicines. Andrade et al., (2014), using data are from the WHO World Mental Health (WMH) Surveys found that for among those with a DSM-IV disorder in the past twelveRead MoreThe Negative Effects Of Mental Health1050 Words   |  5 Pages Mental health is a critical aspect of anyones well-being. However, struggling with a mental illness can negatively affect that. Mayo Clinic defines mental illness as a wide range of mental health conditions — disorders that affect your mood, thinking and behavior. Struggles with mental health are a major obstacle for anyone to endure, no matter their racial identity. However, racial minorities tend face further struggles in their j ourney. Understanding the underlying factors that play into mentalRead MoreMental Health Awareness And Improvement Act802 Words   |  4 PagesMental Health Awareness and Improvement Act The shortage of aid for treating mental health disorders is often disregarded as inconsequential because of a lack of awareness surrounding the subject. Both the general public and policy makers seem blind to the prevalence of the problem, even though mental illness affects 1 in 5 Americans and costs the country an estimated $247 billion dollars annually (Blumenthal, 2015). The Mental Health Awareness and Improvement Act of 2015 was written to address mentalRead MoreMental Health Awareness And Improvement Act Of 2015972 Words   |  4 PagesMental Health is a state of social, emotional and psychological well-being. Mental health affects every part of our life and determines our ability to function, handle stress and make decisions. Throughout life, we have good and bad experiences which affect how we handle situations. The Mental Health Awareness and Improvement Act of 2015 was passed on September 30, 2015. The purpose of this act is to improve programs ordered by the Department of Health and Human Services to increase awareness, prevention

Ethical Issues in Business (Body Shop) - 2915 Words

The Body Shop: Ethical Issues in Business It is nearly impossible to pick up any newspaper and avoid reading a section that deals with the unethical or even illegal conduct of the people who run our companies. Whether it’s stock manipulation, dubious accounting practices, or discarding of environmental waste, the stories keep on emerging. Ethical standards mostly relate to performance or behavior that is not covered by law, and the rule of law covers behaviors that may not necessarily be covered by moral or ethical standards. The principles for social or ethical conduct are embodied within each member of staff as well as within the business itself. Ethics are â€Å"the code of moral values and principles that rule the behavior of a†¦show more content†¦The Body Shop used shop windows and stocking space to support and advertise this cause and encourage awareness with problems in domestic violence in the home. The campaign is successively running in more than 35 markets around the globe and is making a considerable difference. They have also been increasing funds and raising awareness about HIV and Aids for several years now but from 2007 there will be the initiation of a new campaign in which they are in no doubt confident that it will aid those who are affected by Aids or HIV. â€Å"The Body Shop Foundation is committed to supporting innovative global projects working in the areas of human and civil rights and environmental and animal protection. To date The Body Shop Foundation has donated over  £8million to organizations worldwide (Body Shop webpage, 2006).† 2. ‘Protect our Planet’ The Body Shop has a definitive aim of being economically, socially, and ecologically sustainable. They also seek to ensure that they are responsible and ethical in all of their actions and activities. This strategy envelops all the environmental impacts that The Body Shop creates or can influence. It focuses on their responsibilities and keeps impacts that aim in protecting the environment all through their global business. It places interest on the environmental issues that are main priorities in supporting theShow MoreRelatedSustainability And Ethical Concerns Of The Body Shop1627 Words   |  7 Pages Sustainability and ethical concerns The Body Shop was always considered as sustainable and ethical business. ‘The company s campaigns against human rights abuses, in favour of animal and environmental protection and it commitment to challenge the stereotypes of beauty perpetuated by the cosmetics industry’ (THE BODY SHOP, 1999). The Body Shop sources the best quality raw ingredients around the world, they have ‘twenty-five Community Fair Trade suppliers’ (THE BODY SHOP, 2015) and their purchasingRead MoreEthical Issues in Marketing1566 Words   |  7 PagesEthical issues in marketing The importance of ethics in marketing is growing. Recognition and respect for ethics, covering a wide range of issues can be used as USP (unique selling point) for a company. Each society will have it own unwritten code of behavior. However view of matter will change over time. Due to this societal marketing concept has emerged which requires that marketer adhere to socially responsible and ethical practices in the marketing of their goods and products. Below is the definitionRead MoreFacts about The Body Shop655 Words   |  3 PagesOne of the biggest concerns when the Body Shop was taken over by LOreal was the issue of corporate culture. The cultures of the two organizations are very different. The Body Shop has positioned itself as an ethical firm, avoids animal testing and has made its ethics a core part of its marketing message. A recent situation in Colombia illustrates the ethical culture at Body Shop. A palm oil supplier there had attempted to evict farmers from a ranch wher e they had been living. This situation createdRead MoreEssay on Business: Mission Statement1372 Words   |  6 PagesBody Shop Case Study In this case, how does The Body Shop address the four components of social responsibility? In the Body Shop, what tensions among these components were at work? Legal- the Body Shop avoided animal testing and used all natural ingredients to avoid any lawsuits. They knew the products were safe since people have been using them for years. Ethical- Anitas personal and moral beliefs into her work is that she is against animal testing and made a great effort to make sureRead MoreValue Chain Analysis of the bodyshop1064 Words   |  5 Pagescategories: primary activities and support activities. It highlights the explorations of internal analysis of a chain of business activities and explores the role and contribution of organizations resources corresponding to primary and support activities in a cost-effective way to gain cost advantage (Lynch, 2000). 4.1 Procurement: As for the Procurement in support activities, the Body Shop has developed long-term sustainable trading relationships with key suppliers and created a special purchasing programme-CommunityRead MoreEssay about A Role of Ethics and Social Responsibilities in Management.1153 Words   |  5 Pagesroused ethical issues. Those issues concern fairness, justice, rightness or wrongness; as a result it can only be resolved according to ethical standards. Setting the ethical standards for the way of doing business in corporation is primarily task of management. Corporations have to maintain the same standards as an individual person and, in addition, corporations, as organizational units, have their own social responsibilities toward customers, employees and society. However, any business shouldRead MoreCorporate Social Responsibility: A case study of The body shop1223 Words   |  5 Pagesï » ¿Explain with examples what is meant by Corporate Social Responsibility and discuss why it is important to modern business In today’s world, Corporate Social Responsibility (CSR) has been one of the topics that every company must be concerned with. It is usually viewed as a legal obligation for every company to create social benefits alongside with the profit gains (Peng and Meyer 2011, p.297). CSR is a crucial factor for our society and environment. If there is no campaign to encourage us toRead MoreI Have A Love Of Two Things : Music And Classic Cars1388 Words   |  6 Pagesand classic cars. It was of no surprise that I purchased my first muscle car at the age of 17. It was a 1973 Mach I Mustang. In 1999 I began employment at Bob’s Auto Body in Rochester, Minnesota. I was a general shop assistant that was responsible for cleaning of the shop, maintenance of equipment as needed, and assisting the auto body technicians. Within six months I had applied and been accepted to Wyoming Technical Institute (WyoTech) in Laramie Wyoming with the goal of obtaining the knowledge necessaryRead MoreT he Potential Benefits of Csr Relative to the Costs for Businesses and Their Stakeholders.1223 Words   |  5 Pagescontrol their business processes to provide an overall positive impact on society. There are many factors that determine how socially responsible a business is, but alongside these are the benefits and costs relating to the level of CSR produced in this essay, I will be analysing companies from the retail industry and a car manufacturer to discuss the potential costs and benefits to both business and their stakeholders of CSR. The Body Shop is well known for being an extremely ethical company. BecauseRead MoreWhat is Social Responsibility?931 Words   |  4 Pagesan ethical ideology or theory by an organization or individual, has an obligation to act to benefit society at large. Social responsibility is a duty every individual or organization has to perform so as to maintain a balance between the economy and the ecosystem. A trade-off always exists between economic development, in the material sense, and the welfare of the society and environment. Social responsibility means sustaining the equilibrium between the two. It pertains not only to business organizations

A Brief Note On Israeli And Japanese Pregnancy Processes

Tsipy Ivry’s book on Israeli and Japanese pregnancy processes is an important work towards feminist anthropology and the study of pregnancy and birth in anthropology. The focuses of pregnancies brought to term in Israel and Japan, and the U.S. have many differences. The importance of genetic testing in the U.S. and Israel, and the lack of importance of it in Japan is very interesting and culturally-based. In an updated paper from 2011, Rayna Rapp expands on birthing practices and childbearing in New York City, in regards to genetic testing. Rapp also spread their studies into how western reproductive technology has spread to â€Å"developing nations† and the phenomena of wealthy westerners heading to less economically developed countries for IVF, stem cell, and other reproductive treatments and services. For example, embryotic tissue is regarded differently and more secularly in India than many Euro-American discourses and thus many seek medical treatment in India that are from other countries. The IVF process greatly effects marriages and depending upon its success further impacts partnerships and marriages, as well as gendered expectations of motherhood and fatherhood. Many women in rural countries, in good health, will donate their eggs too for monetary gain. Furthermore, IVF can be complicated by cultural and religious beliefs and practices. For example, in Israel traditional IVF is banned but obtaining eggs from other non-Jewish women is permitted, or in Sharia Iran, theShow MoreRelatedPsy 244 Essay10464 Words   |  42 Pagesthe examination will come from the lectures (Topics I – X) and the assigned chapters and parts of chapters in the textbook. To help frame the questions for you, they will be organized under the same main headings and subheadings used in the Lecture Notes. The only exceptions will be a few subheadings that pertain to material covered only in the text. Under each heading will be a mix of true-false and multiple-cho ice questions, and possibly a few analogies, with all answers to be recorded on a scantronRead MoreOne Significant Change That Has Occurred in the World Between 1900 and 2005. Explain the Impact This Change Has Made on Our Lives and Why It Is an Important Change.163893 Words   |  656 Pagesto the processes and misguided policies that led to decades of agrarian and industrial depression from the late 1860s to the 1890s, as well as the social tensions and political rivalries that generated and were in turn fed by imperialist expansionism, one cannot begin to comprehend the causes and consequences of the Great War that began in 1914. That conflict determined the contours of the twentieth century in myriad ways. On the one hand, the war set in motion transformative processes that were

Chris Christie free essay sample

At the end of the first decade of the twentieth century, both the United States and global economy plunged into crisis. During the prosperity, authorities of each country try not to disturb the economy. On the other hand, over recession, those authorities try different ways to strengthen the economy. Governor of New Jersey, seen through the eyes of Matt Bai, in â€Å"How Chris Christie Did His Homework†, and David Leonhardt in his article: â€Å"Union Contracts, Not Pay, Are States’ Problem† presents their â€Å"toolkits† how to fix the economy. As a United States citizen, who grew up in a different country and came to Land of Liberty with shaped economical view, I agree with Christie’s and Leonhardt’s ideas, aimed at cut unnecessary benefits, decentralization of power, and eliminate irrational expenditure. As history shows, economy of each country after a period of prosperity turns into recession and vice versa. Time of recession, irrespective of the political system, is the hardest period for authorities. We will write a custom essay sample on Chris Christie or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page They have to go with the general dissatisfaction of public and must make difficult decisions that may be hard to accept for majority of citizens. Governor Chris Christie and David Leonhardt in his article: â€Å"Union Contracts, Not Pay, Are States’ Problem† demonstrate necessary, but hard to accept by most part of the society â€Å"toolkits’ to cure broken budgets of New Jersey and the United States. Cutting benefits, decentralization of power and eliminating irrational expenditure is the most effective way to get out of recession. And this is how to do it.

Fears Associated With Pregnancy And Childbirth Essays - Midwifery

Fears Associated With Pregnancy And Childbirth Melender, H. S. Lauri, S. (1999). Fears associated with pregnancy and childbirth-Experiences of women who have recently given birth Midwifery, 15(3), 178-183. This descriptive study was undertaken to describe fears associated with pregnancy and childbirth. Also to see whether women who have recently given birth feel that their fears were justified. A convenience sample of 20 women, 10 primipare and 10 multiparae were interviewed in the maternity units of two university hospitals in Finland. A qualitative study was used, and data were collected by semi-structured interviews held 2 or 3 days after childbirth. Data interpretation was based on the method of content analysis. The authors found that the most common fears associated with pregnancy and childbirth were concerns with the babys well-being, the course of pregnancy, and childbirth. The fears found expression in different kinds of behaviors, emotions and physical sensations. Many of the participants felt that their fears had not been justified, but some maintained that their fears had been justifiable. The authors conclude that there was much inter-individual variation in the fears associated with pregnancy and childbirth. The findings further verify the importance that diagnosis during pregnancy is undertaken sensitively and that the care-giver remember that pregnant women may have very serious fears associated with pregnancy and childbirth. Critique: This study is timely, and in general, well done. The sample size was small, therefore, generalizations to an entire population cannot be made. The authors have done an adequate job of explaining their findings in understandable terms and document their rationale with a concise literature review. They give an appropriate rational for the convenience sampling of the Finnish women. The discussion is clearly written. The conclusions the authors draw are consistent with the data presented, and they conclude with a well defined point that it may not be essential to try to protect women against these fears, but to give every pregnant women the opportunity to deal with her own fears and to obtain the help she needs in her situation. Medicine

Healthy Eating Essays

Healthy Eating Essays Healthy Eating Paper Healthy Eating Paper Eating is one of the most important activities that people do everyday. â€Å"All humans eat to survive. They also eat to express appreciation, for a sense of belonging, as part of family customs, and for self-realization† (Rodriguez, n.d.). People eat to satisfy their hunger. The nutrients that food can provide also help people become stronger and healthier both physically and mentally. Eating habits differ from one culture to another. Food types and cuisines also vary across countries. However, no matter how different people are when it comes to their eating habits and to the food they eat, it is essential to remember that eating will not be beneficial if this does not include healthy food products. It will also not be beneficial if people do not observe healthy eating habits. Many people question why they need to eat healthy when they have lived their life without doing so but still remain disease-free. What these people do not realize, however, is that some diseases take time to manifest themselves and can only be seen or detected when it is too late. There are numerous benefits of eating healthy, which include preventing the development of â€Å"heart disease, hypertension, diabetes, gastrointestinal disorders, some forms of blindness, and birth defects† (Gilbert, Junge Allison, 2003, p.19). Eating healthy also improves ones mood and outlook in life, which can in turn improve his or her relationships with the people around him or her. It can reduce ones stress levels and can provide the energy to be able to do more things in life (Bruton, 2007). Eating healthier would also decreases the chances of becoming overweight and battling obesity, which is one of the most serious problems that the United States is facing at this time. The number one reason as to why people prefer to practice unhealthy eating is because the food products that are healthy are not as tasty and delicious compared to the food that they normally eat. Further, Weinstein (2004, p.98) indicates that there are three reasons why people choose to eat unhealthy foods: â€Å"(1) they are conditioned to have an emotional attachment to certain foods; (2) they are bombarded by the relentless advertising and marketing campaigns of the manufacturers of these food products; and (3) they have hormonal imbalances.† These things make it difficult for people to change their eating habits and become healthier. Aside from the numerous diseases and illnesses that people may develop from unhealthy eating, they may also develop eating disorders that can affect their growth, development, and mental status. Anorexia is an eating disorder that the person becomes too thin but he or she still does not eat because of fear of getting fat (Medline Plus, 2009). This is a serious eating disorder because anorexia can lead to death. Numerous fashion models have been reported to have died due to anorexia mainly because of the demands of the industry but also because they do not know how to eat properly and healthily. Many teenagers are conscious about their bodies and how they look. They choose not to eat at all to become thinner and lose weight. What they do not know is that this will only make their health much worse. These young people need to be educated that to be able to achieve and maintain the body that they want, they would have to practice healthy eating habits and a positive lifestyle. Another eating disorder is bulimia, which is the act of overeating and then feeling guilty about it afterwards and purging the contents of one s stomach by vomiting or the use of laxatives (Medline Plus, 2009). People who suffer from this type of eating disorder believe that purging themselves will not make them gain weight, which makes overeating acceptable. Overeating allows them to lose self-control and the act of purging is a way for them to compensate for their actions. Like anorexia, bulimia can also lead to death and serious physical and mental problems. Binge-eating is eating in such a way that the person loses self-control and overeats. This leads to obesity. People who are unable to practice good eating habits and eat healthy food products become overweight and obese, which can lead to heart problems and diabetes. Overeating along with an unhealthy lifestyle can make a person overweight and obese. This will make life difficult for the individual because he or she will not be able to do all the things that he or she needs to do and has greater chances of having low self-esteem and confidence because they do not feel good about themselves and how they look.

Athens and Florence Essay Example | Topics and Well Written Essays - 250 words

Athens and Florence - Essay Example Freestanding sculpture became a popular culture amongst artists in Athens between 300 and 400 BCE. Political structures of renaissance Florence comprised of city-states wherein a more or fewer residents shared authority. This made politics slightly core complex for Italy considering the rest of Europe during this era had monarchial structures of government. City-states in Florence made oath-making and duties a world of civil conflicts amongst leaders. By 1425, Florence had a population of 60,000 with twelve artist guilds acting as a foundation for social life. These guilds controlled social influences within Florence through highly held positions. Lastly, culture in renaissance Florence depended largely on wealth. A trend for self-marketing by merchant guilds slowly turned into a cultural feature of Florence and its renaissance benefaction. Wealthy individuals reveled in personal adoration and spiritual prosperity that founded Florence’s culture during the 1400s. The most important similarity between Athens during its golden age and renaissance Florence is their introduction of democratic or representative types of administration, profound literature, and art into their respective regions. The most important difference between these two cities is that Athens serves a model for determining accomplishments made by western cities from the fifth to fourth centuries B.C.E. and Florence used wealth to identify its culture, government, and

B202 TMA01 Essay Example | Topics and Well Written Essays - 2000 words

B202 TMA01 - Essay Example It is applied when there is a new employee who takes a new position in an organization. This process involves a new worker being introduced to his or her managers, supervisors and colleagues. They are also shown new ways of doing things, new environment and the employment conditions to help them learn the job. For instance, at the workplace, one is introduced to the orientation on; the job requirements, office layout, local workplace issues or customs, health and safety information and the workstation. It also involves the use electronic mail and communication system, working conditions, processes and procedures. Apprenticeship is another training program where an agreement is established between a person (apprentice) who wishes to learn a skill and an employer who needs skilled employees. Apprenticeship is an industry -based learning system that involves combining the on-the -job experience with the theory learnt in the classroom. For example in an institution, apprenticeship for learners in a technical classroom may be a continuation from the secondary school system and then followed by successive years of on-the-job-training. When the apprentice completes the specified training period, a certificate of qualification is awarded. Shadowing is the type of training where individuals are given a chance to broaden their knowledge and understanding of a particular role that concerns their current department or other departments. In organizations for instance, it involves making observations on the day to day aspects of the roles, asking questions on various work practices and sharing of the best approaches that can improve on the performance of employees of an organization. Mentoring is the kind of developmental relationship whereby a person who has a long experience in a given field of study assists a person with less experience. At the workplace for instance, mentoring can take place in form of interacting face to face with persons that need constant help on how to carry out their activities. Coaching is a way through which a group of people are directed, instructed and trained with the aim of achieving a particular goal or the development of specific skills. For instance, when people are directed, it involves motivational speaking while training may involve the attending of workshops, seminars and supervised practice (Carter, and McMahon, 2005: 192). Job rotation is a situation whereby there is a lateral transfer of employees among the different positions and tasks within the workplace with the aim of acquiring different skills and responsibilities. In job rotation, the workers are given an opportunity to learn several different skills and perform those duties for a specific time period. In essence, job rotation enables individuals to gain some experience at the various phases in a business to expand their perspectives. For instance, at the senior management it may be done in readiness for a succession plan while at the lower management level job rotation may be done to ensure skill enhancement and also promotions. Tesco Supermarket It is a British supermarket with profits surpassing over billions of dollars. It has employees who are over 400,000 in number and the number of stores exceeds 3,720. It generally deals with foods, drinks, software, financial services, insurance, dental plans, electronics, clothing and internet services. Training at Tesco

Military appts Essay Example for Free

Military appts Essay Doctors appointments are missed each and every day by people who either forget to show up or choose not to call and cancel their appointment. One of the reasons why it is best to try and keep your doctors appointment is because it is the polite thing to do. Would you arrange a job interview with a company you were serious about working for but then fail to show up? No, not in the civilian world. It is very important to schedule routine doctor appointments regularly to ensure proper treatment as needed to care for my health as an injured soldier. I schedule my appointments so I can work on treating my injuries physically and mentally so when I medically retire I can hope for a better future of recovering and living a healthy life with a greater chance of being alive a lot longer than if I didnt take proper treatment. If I didnt think appointment were important than I would see my health go downhill and the recovery would be nearly impossible. Its very important to be on time to my appointments because if I were late I wouldnt receive the proper treatment I need, I would be taking time away from another soldier that thinks his appointments are just as important for his treatment and it wouldnt be fair to anyone, including myself and my healthy life and another reason is because it is my place of duty while in the military. When scheduling appointments you do not want to miss them for a number of reasons. If you miss the appointment, you are not only wasting your doctors time. You could also place your health at risk if you do not start your treatment as quickly as possible. It is rude to your doctor and you are not following through with treatment thats important for your health. Someone who also needed treatment sooner could have had the opportunity to be seen if I was going to schedule and miss my appointment. One of the primary concerns with missed appointments is that they limit access to care for multiple patients. When patients fail to appear for their appointments or they dont call and cancel in advance, its kind of hard to have enough appointments to meet the health-care needs of other patients. Making an appointment is the same as guaranteeing you will be somewhere at the agreed upon time. Just as you expect a provider to be there as scheduled, the provider expects you to be there as well. The dental office supports hundreds of members a day and works hard to keep the process of seeing Soldiers flowing smoothly. Missing an appointment interrupts that process and creates unnecessary additional work for schedulers, providers, and staff. Our goal is to support the organization that supports us by meeting all appointments. Although I can understand your missing an appointment because of recent distractions, there is no valid excuse for missing an appointment. We must find a way to make sure you dont miss future appointments. People use a variety of methods but they all share one thing in common: they all realize, at the moment they make the appointment, that they have made a promise to be present at a certain time and place and must find a way to make sure they meet their obligation. Some people have established methods that they use over and over such as writing the appointment down in an appointment book and reviewing it daily. Others write it down on a sticky note and put it somewhere where they will see it every day to remind them of the impending appointment. I will not dictate the method you use because our goal is to make sure you meet all future appointments and the method I suggest may not work for you. You must choose a method that works for you and ensure you make all future appointmets because further missed appointments will result in more severe action and affect your career.

Isolation Through Symbolism in Nathaniel Hawthorne’s The Scarlet Letter :: essays research papers

Isolation Through Symbolism in Nathaniel Hawthorne’s The Scarlet Letter   Ã‚  Ã‚  Ã‚  Ã‚  A symbol is an object used to stand for something else. Symbolism has a hidden meaning lying within it; these meanings unite to form a more detailed theme. Symbolism is widely used in The Scarlet Letter to help the reader better understand the deep meanings Nathaniel Hawthorne portrays throughout his novel. He shows that sin, known or unknown to the community, isolates a person from their community and from God. Hawthorne also shows this by symbols in nature around the town, natural symbols in the heavens, and nature in the forest.   Ã‚  Ã‚  Ã‚  Ã‚  First, two symbols in the town show how sin isolate people. In the first chapter there is a plant that stands out, â€Å"But on one side of the portal, and rooted almost at the threshold, was a wild rosebush, covered, in this month of June, with its delicate gems† (46). It stands out as wild and different among the grass and weeds as Hester does in the Puritan town. She wears her scarlet letter as the rosebush wears its scarlet blossoms. Later in the book Arthur Dimmesdale and Roger Chillingworth (Hester’s unknown husband) discuss a strange dark plant that Chillingworth discovered. â€Å"I found them growing on a grave that bore no tombstone, nor other memorial of the dead man, save these ugly weeds that have taken upon themselves to keep him in remembrance. They grew out of his heart, and typify, it maybe, some hideous secret that was buried with him, and which he had done better to confess during his lifetime† (127). Here there is a man whos e sin was not publicly discovered while he was alive. This person tried to keep wrongdoing a secret by hiding it within himself. Yet the sin was too strong to hide and later reveled after his death. There remains nothing honorable about the place where this person lies, but the weed that grew out of the blackness of this person’s heart.   Ã‚  Ã‚  Ã‚  Ã‚  The next area is a symbol in the heavens. This occurs during the second famous scaffold scene. Dimmesdale, Hester, and Pearl are on the scaffold when, â€Å"a light gleamed far and wide over all the muffled sky. It was doubtless caused by one of those meteors† (150). â€Å"The minister looking upward to the zenith, beheld there the appearance of an immense letter-the letter ‘A’- marked out in lines of dull red light† (152).

Ritz – Carlton

?The case â€Å"The Ritz- Carlton: Managing the Mystique† deals with the strategic marketing decision of how the hotel chain should continue its operations in order to satisfy its customers more. By overcoming the challenges of being one of the top ranking hotels in the world and hiring the right people to do so, the success of your marketing startegy would be inevitable. In this way Ritz- Carlton could potentially increase its sales and and expand in different countries.Therefore, this case will deal with possible solutions and ways of operating in order to create hotel uniqueness and gain a cometitive advantage compare to other five- stars hotels. Ranked as the best luxury hotel chain in America out of thousands others, for the past years it still provides the same exceptional standard of quality, comfort and fittings (Power, 2012). The essence of the Ritz Carlton experience lies in the quality of the service provided by the company which is also the intangible product the c ompany is selling.The manager makes sure that the service is tailored to the individual and is earnest and helpful. Every guest and employee is treated with respect and the general managers pay special attention to every visitor from the moment of airport picking until the moment the visitor leaves the hotel. An essential part of the service process is the guest recognition procedure, part of the service quality indicators (SQIs) which when implemented â€Å"creates a sticky relationship† between the guest and employee, in particular or the hotel, in general.The staff’s responsibility is to make each â€Å"guest feels well when they leave† and create an unforgettable, personalised experience which satisfies even the most discerning visitors. Moreover, the company also recognize the technology as a key to a high service level. It is something that the customer expects to receive when stays at a five- star hotel. In order for Ritz-Carlton to be a leader in what it is selling, the company has realized the need for continuous improvement of its core competences by placing total quality management (TQM) as a central point in their strategy implementation.It has to concentrate on hiring the right people who enjoy looking after other people, and provide a pleasant environment for them to work in. Moreover, the hotel-chain improves its weak areas based on the feedback it receives from evaluators when applying for awards. Moreover, the ability to satisfy all kind of customer’s claims makes them more loyal. In this situation, the Ritz- Carlton manages to fill the customer gap by providing the customer’s expectations, what he believes should receive, and at the same time his perceptions, what he gets in addition (Wilson, 2012).This rise some challenges for the hotel manager, such as the ability to close the other four gaps called provider gaps. The first one of which is to not knowing what customers expect, which applies the difference between the customers expectations and the company’s understanding of them. In order to overcome this challenge a more direct contact with the guests of the hotel is needed. In particular, establishing strong and long- term relationships with regular customers and satisfying their needs in every moment.To succeed in this, interviews and surveys could be conducted among the customers to establish their requirements and expectations. Afterwards, building a system with all of their responses would contribute to stay closer to them. Therefore, to conduct all the relevant information, the empowered and front line people play an important role. In the hospitality management, the communication between the manager and his employees plays and important role to avoid establishing a gap. As a second provider gap is considered not selecting the right service quality designs and standards.In order to deliver the highest quality service, the service design and the company’s performa nce standards should be developed in a way to reflect the customer expectations and perceptions. The new plan should be focused on customer driven design and together with it meeting the employees needs. The third gap is not delivering service designs and standards. As being developed in the second stage of the customer gap system, now the firm has to succeed in delivering the new way of serving its guests. The employees should be selected effectively to complete their obligations.They should have the right characteristics to complete the job. Conflicts on the workplace should be avoided as well as the inability of team work. Moreover, appropriate systems and facilities should be developed and provided, to follow if all the factors for achieving the high standard level of service are in place. The last but not the least provider gap is not matching performance to promises. The marketing advertisement plays an important role in this stage. By creating an advertisement with promotion of over- promising services, the customer expectations also increase and it is difficult to meet the standards you cannot provide.This interactive marketing strategy might be created together with external companies to communicate effectively with current and potential customers (Wilson, 2012). To create the same policy in every of the Ritz- Carlton hotels, the top manager has to follow the same policy and stick to the same standards in order to create a successful business chain. This will result in customer loyalty concerning every hotel location and will build a better reputation for the company. Therefore, to create a uniquness in its services, the famous luxury hotels are known as the ones who treats its guests as royalties (Michelli, 2008).This something is called â€Å"The Ritz-Carlton Mystique. † Being in any of the seventy worldwide locations gives you the opportunity to see the art of service. By creating a data with all the customers perceptions, Ritz- Carlton wins a high reputation among its competitors. However, in order to collect this data and proceed it in a right way, the company relies on its employees who are the one next to the people and contributing to their memorable experience. The reason for being one of the most successful chains is that Ritz- Carlton look for things that most companies ignore and then uses its findings in a unique way to attract more people.Another characteristic of the company’s policy is the meetings organized to share relevant information for providing better services, this has a positive impact on the whole organizational process as well as the team work within the employees. In the case example of the family in Bali, the impact it has on the work performance is really significant and the easiest way to reach all thousands of employees all around the world. It reinforce the actions in everyone and contributes to the service values.The high quality, standardised service could be considered as an impo rtant factor in the luxurious hotel business. It creates uniquenessness and something that makes people feel valued. That is also the reason why in establishing the company’s key success factors, Ritz- Carlton puts on first place the mystique followed by employee engagement, customer engagement, product service excellence, community involvement, and financial performance. The employeers are playing an important role of the Mystique strategy. The popular chain is really careful in selecting its staff and at the same time training them.Moreover, they expect from them a high engagement with their job because this would result in a lower management turnover, fewer safety incidents, and higher profitability and productivity (Gallup, 2007). As a customer- driven company, the hotel chain builds its success on factors such as service characteristics, where the business meets all customer needs and create a product and competitive advantage. Moreover, it focus on the strategy characte ristics, where the human resource management in the face of the employees take place in the operations.Process and marketplace characteristics are defined as marketing based to establish the best way of presenting the business potential (Wilson, 2012). Therefore, the best hotels in the world started launcing their loyal programmes in order to survive the downturn. Ritz- Carlton aim has always been to build a loyalty in its customers habits. The company is striving for broadening its customer base, increasing the cometitiveness of its service, motivate a profitable behaviour together with increasing its market share . The loyalty program is truly build on the customer feedback in demanding the world- class respect.It provides services from airline tickets to unique traveling experiences and adventures which no other luxury hotel chain would be able to provide. Moreover, the loyal programme is personal for each of Ritz’s clients. It is customised towards his prefernces and expe ctations for experencing a memorable holiday. This is another proof that the company is totally based on the idea of customer- driven policy. The Ritz- Carlton is succeeding in exceeding the guests expectations in every aspect. But the question is how exactly it reaches this success compared to other top brand hotels?It pays attention on its internal resources and by doing that is manages to build a good reputation among the customers and attract new ones. Moreover, by creating programs to train its employees and empower them with the mission to satisfy their guests, contribute to their job satisfaction and the recognition of feeling part of the organization. However, to be known from the people who are potential customers but are not part of the loyal programme, a special marketing communication channel should be created. Nowadays, the marketing communications have become really complex way of reaching customers.The term is part of the whole marketing strategy and could be defined as the promotion aspect of the â€Å"Marketing Mix†. Specifically it applies the practice of advertisement through mass- media, websites, cinemas and etc. Moreover, it is a really important aspect of how the branding image would be build in order to reach the right potential target group. At the moment, Ritz- Carlton is using different, unstandard approach to reach the attention of its future guests. It is going back to old style brochures sent by classic post. It is producing a high quality, perfectly designed cards, honourly signed by the CEO of the company.This is a good way to promote its unique service for luxury chains. However it should straighten its positions according to the services marketing triangle (Wilson, 2012). It applies the theory of the involvement of the employees, customers and the company for the creation of a successful marketing communication. By starting with the external marketing communication, including advertising, corporate websites, sales promo tion and public relations and continuing with interactive ones, for instance, personal selling, customer service interactions or in particular concentrating on the customers habits.In order to avoid miscommunication and successfully create a promotion channel, these two factors should be linked together. The way of doing this is by having a third sector, internal marketing, which assures that the communication line is accurate. The things that are mentioned in the company and explained to the employees should be matching with what are the customer demands. The whole combination is called the services marketing triangle (Wilson, 2012). In order to establish more effective way of promoting its unique services, Ritz- Carlton would meet some challenges in its strategy.Since the service is intangible it is more difficult to reach its consumers and convince them in the uniqueness of what is being offered. The company should assure that they make clear what is differating them from all the competitors and what is the advantage of purchasing their services. Therefore, they should be really accurate in the information which is provided in the promotion material, and assure they would provide the same thing they are claiming in their announcement. Ritz- carlton may use the approach of grabbing the first attention.It could create an advertisement which pop up online and a a link which is going to lead the user to further information. In this way, the company wins an advantage of providing knowledge to the people who are not aware of the luxury services. As a final challenge the marketing communication strategy should be coordinated with the operations of the company to achieve its optimal goal. Employees should be train in a way to meet the company’s requirements. The advantage that Ritz- carlton is providing to its employees is the opportunity of highly educated training program.The program called, The â€Å"Seven Day Countdown† is the training process con ducted by the hotel-chain to familiarize the newly recruited employees with the organizational system and it happens one month after they get hired. The first two days consist of â€Å"orienting employees to the Ritz–Carlton culture and values† as well as having the opportunity to learn more about your department, meet your colleagues and get to know them through various group exercises and activities. Additionally, the importance of self-teaching and guest satisfaction is highlighted and the Gold Standards of the company are presented.The next five days are devoted to the training and development of the specific skills required to perform the job in each division through trial runs or mocking activities which represent a realistic situation an employee might face. Even though this process defines what Ritz-Carlton believes in and has become an integer part of its strategy, Collin expressed his concern that these seven days are too short and suggested to be extended in order for the hotel to open at a higher occupancy rate and â€Å"to reach 80% occupancy in a shorter amount of time†.Four Seasons is a severe competition for Ritz-Carlton and the occupancy rate gap between the two rivals is getting smaller with every year. As is stated in the article even though the company is able to satisfy 92% of its customers, 8% are dissatisfied for certain reasons. Based on customer feedback, the hotel-chain can determine the reasons for this percentage and adjust accordingly. Since both parties’ decisions need to be taken into account I believe that McBride should add one more day to the standard seven day programme.This particular day which can take place before the trial and mocking days, should include a training of new employees on how to deal with people from different cultural backgrounds. This might as well have been one of the reasons why some people were dissatisfied – maybe a person from the stuff acted in a certain way without realizing that he/she offended a guest. Moreover, the employees hired for the job are also from different cultures and have different perceptions of dealing with a problem.These cultural differences could be presented in the form of case studies or group activities. Another thing which should be included in this extra day should be ethics and teaching future staff what is right and wrong as well as what is an acceptable and unacceptable behaviour. The financial implication for Ritz-Carlton of extending the training process would be an increase in the pre-opening budget in the corresponding section. This means more trainers will be required with relevant knowledge on the topics for that extra day or the participating ones will be paid extra.Moreover, by training its employees through its learning programme, Ritz- Carlton wins an advantage in developing new employees’ ideals. However, it causes some internal and external changes in the environment, due to the developing of new culture. The result, however is worth it as trained employees do not require so tight control from a managerial side as they would be aware what is expected from them. Moreover, as feeling part of the team they would optimise their performance and that would result in more benefits for the chain.They are trained in working efficently as well as effectively. The advantages that Ritz- carlton provides to its employees is the opportunity to grow and learn from the best. This contributes to their job performance and commitment. Moreover, this will result in a higher quality service and will create a competitive advantage for the company In conclusion, it could be derived that Ritz- Carlton has to meet some challenges in order to stay on the top of the luxurious hotel chain business. As with its high class service, it manages to satisfy even the most demanding customers.However, in order to keep its positions it has to straighten its marketing communication channels to reach more custom ers. The company could take an action of developing an online marketing campaign to inform about its locations and exclusive offers. It should keep its advantages of providing the Ritz- Carlton Mystique since it creates a uniqueness of being their customer. Moreover, focusing on promoting it as a competitive advantage will higher the company’s turnovers. Overall, the success of the Ritz- Carlton hotel chain will remain the same if it continues its development with the years.

Human Trafficking The United Nations Human Rights

Quin Smith and Colin Grande Federal Republic of Germany United Nations Human Rights Council The Athenian Academy Human Trafficking Quin Smith Intro Human trafficking is one of the biggest human rights issues facing our world today. This practice makes much money for those who traffic humans, and destroys the lives of its victims. Brothels have been legal in Germany since 2002, and it is no coincidence that Germany s largest brothel is just a few miles drive from the French border. Prostitution is illegal in France, and due to the Schengen Agreement, French citizens can travel freely to patronize the brothel. Prostitution is a huge business in Germany, which has experienced a boom in sex tourism and now has at least 400,000 prostitutes working within its borders. Germany s Federal Statistics Office estimates that the country s sex trade is responsible for â‚ ¬15 billion in economic activity each year. Because of the amount of patrons and money coming in to the industry, traffickers can make a lot of money trafficking victims in for small amounts of money, that lead to huge payoffs. However, it is now a crime to buy sex from someone who has been trafficked. Germany believes that this horrible practice is a very pressing issue, and one that, as the United Nations Human Rights Council, we must solve immediately. Germany’s Actions Germany is a party to The Protocol to Prevent, Suppress and Punish Trafficking in Persons, Especially Women and Children, supplementing theShow MoreRelatedHuman Trafficking- The Escalating Global Violation of Human Rights1355 Words   |  6 PagesHuman Trafficking- The Escalating Global Violation of Human Rights Human Trafficking is a serious Global matter that violates a multitude of the Human Rights articles outline in The Universal Declarations of Human Rights. Thousands of individuals are subjects of Human Trafficking every year; the perpetrators of this crime do not discriminate, targeting men, women, the young and the old all over the world. Human Trafficking is indeed a Global issue, occurring in nearly every country on the planetRead MoreHuman Trafficking Has Been Existent For Thousands Of Years983 Words   |  4 PagesIn 1863, the United States enacted laws that formally abolished slavery. However, modern day manifestation of slavery still exists; it is called â€Å"human trafficking.† Human trafficking, according to the Trafficking Victims Protection Act of 2000 is â€Å"trafficking in which a commercial sex act is induced by force, fraud, or coercion, or in which the person induced to perform such act has not attained 18 years of age; or the recruitment, harboring, trans portation, provision, or obtaining of a person forRead MoreHuman Trafficking And The Trade Of Human Sex Trafficking Essay958 Words   |  4 Pagescountries in the region introduced new anti-trafficking laws or modified old ones. The United Nations has also picked up the fight against ending all forms of modern slavery including human sex trafficking. The U.N implemented the a protocol that focuses on â€Å"(1) prevention and combat of trafficking persons, paying particular attention to women and children; (2) to protect and assist the victims of such trafficking, with full respect for their human rights; and (3) to promote cooperation among StatesRead MorePlan of Action for Human Trafficking and Sexual Violence1522 Words   |  7 PagesPlan of Action to Combat Human Trafficking Abstract Human trafficking is a crime that without the proper direction will cost the human being the right to have freedom. Every person has the right to choose and not fall into being victimized by someone who is in the pursuit of indentured servitude. This billion-dollar industry is aiding the criminal acts such as drug trafficking and production, sexual assault, sexual rape (male or female), and most of all abuse and neglect of all the victimsRead MoreThe Truth About Human Trafficking1520 Words   |  7 PagesAbout Human Trafficking Human Trafficking is a modern-day form of slavery involving the illegal trade of people for exploitation or commercial gain (Human Trafficking). The term human trafficking evolved from slavery in the early 1900’s and continued to become a global market over the past 100 years. There are several different types of human trafficking such as forced labor, sexual exploitation, people smuggling, and the harvesting of organs for commercial profit (Types of Human Trafficking.). VictimsRead MoreInternational Law Threatens Western Countries1262 Words   |  6 Pagesrelation to comparative criminology in the second and the third part with illustration of various international data. Firstly, violations of international law generally refer to violation of human rights. Human rights are a complex area in international theory and practice. It is considered as International Human Rights Law in its legal manifestation (Cali, 2010:282). The International Law Commission defines the concept that crime against humanity contravenes peace and security (Cali, 2010:282). SinceRead MoreThe Global Impact Of Human Trafficking1640 Words   |  7 PagesThe Global impact of Human Trafficking Human trafficking is a global issue that receives very little attention throughout the modern world; this issue effects every country on the global and all different types of cultures. Hillary Clinton said in 2009 â€Å"Trafficking thrives in the shadows, and it can be easy to dismiss it as something that happens to someone else, in somewhere else, but that is not the case. Trafficking is a crime that involves every nation on earth, and that includes our own.† (BehnkeRead MoreHuman Trafficking : A Global Phenomenon That Does Not Recognize National Borders1589 Words   |  7 Pagesdone to Combating Human Trafficking? Human trafficking is a global phenomenon that does not recognize national borders. Realizing the serious consequences of the human toll, the U.S government has spent $55 million in 50 countries on anti-trafficking programs designed to help indigenous non-government organizations and, international organizations law enforcements officials and foreign governments prevent human trafficking, and restore victims to society. If human trafficking is going to be stoppedRead MoreThe Globalization Of Human Trafficking990 Words   |  4 Pageswill define the globalization of human trafficking through the context of the United States as a first world nation and extension of this problematic issue in European nations, such as Russia and in the Baltic region. The first world status of the United States provides a context in which human trafficking has become a major problem when defining domestic markets for criminal organizations. However, the U.S. provides an example of the impact of human tra fficking that occurs on a much wider scaleRead MoreHuman Trafficking : The Violation Of Human Rights1494 Words   |  6 PagesHuman Trafficking What is the most basic of all human needs? One might answer food, water, and shelter. What is the most basic of all human rights? It should go without saying that the most basic of all human rights is freedom or personal liberty rather than bondage or slavery. If being free rather than in bondage is a human right, why is it that so many are held in bondage against their will? United Nations According to the United Nations website, Human Trafficking is defined as: The recruitment

Comparison Between Marx And Rousseau - 1138 Words

Due to state laws and policies, Marx and Rousseau both agree men are not living in a free society. In western democracies today, both philosophers’ ideas are clear and visible. Rousseau and Marx both argue in their works that men seek to control property, as a way to control others. Rousseau argues in his work, discourse on the origin of inequality, that man is not equal due to the greed and selfishness of individuals who control the government. Charles Bertram argues that, â€Å" Rousseau believes that a system of individual rights of private property and self-ownership that is accompanied by massive disparities of wealth and income inevitably leads to distortion and deformation of the will as the people seek to curry favour or seek advantage†, Bertram (2004) . Bertram points out Rousseau’s idea that the idea of owning property purely to survive off of does not work, as others seek to reap the wealth and rewards from the land, through tariffs or quotas etc. Today this is obvious in western society. Karl Marx believes that all property should be owned by the state, as he lists in the Communist Manifesto. According to Lowith (2003), he also be lieved working men become property themselves through the work they put in. This is common in England during the industrial revolution, as workers were easily replaced. Lowith (2003) also finds that Marx compared man in bourgeois society with the commodity as a product of simple labor. I support this statement strongly. In Mexico, due toShow MoreRelatedJohn Locke s Theory Of Theory And Social Discourse1253 Words   |  6 Pagesprotected property. 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Rousseau defines general will as a collective desire to advance society towards a common goal. However, Rousseau warns that ignoringRead MoreThe Bourgeoisie Essay1503 Words   |  7 Pages     Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Karl Marx describes â€Å"Society as a whole [as being] more and more [split] up into two great hostile camps, into two great classes directly facing each other-bourgeoisie and proletariat† (Marx 124).   As Marx made his distinction between upper class, bourgeoisie, and lower class, proletariats, it is important to keep in mind the societal structure at the time.   To understand how classes were created and the disparity between the rich and poor, or, bourgeoisie and proletariat, it is necessaryRead MoreThe Struggle to Gain Equality: A Study of Native American Woman in Literature1678 Words   |  7 PagesFeminine which creates inequality between men and women. In The Four Idols, Francis Bacon uses the four idols of the tribe, the cave, the marketplace, and the theater to show how humans understanding and intelligence hinders their knowledge of nature. In The Origin of Civil Society, Jean-Jacques Rousseau concludes that the Social Contract benefits those who are not strong to fight for their equality in law and civil rights. In The Communist Manifesto, Karl Marx disapproves of an industrial societyRead MoreHobbes Vs. Marx On Government s First Duty1038 Words   |  5 Pages Topic #1 – Hobbes vs. Locke vs. Marx â€Å"Government’s first duty is to protect the people, not run their lives,† said Ronald Reagan. Some political philosophies like John Locke would agree to this statement, while other, like Thomas Hobbes would not, and some will both agree and disagree, like Karl Marx. You will come to learn why the â€Å"social contract† of John Locke is the best through the review of all three philosophers main ideas on government, the comparison of all three philosophers, and finallyRead MoreThe Inequality Of Class Stratification950 Words   |  4 Pages1. Are we really equal? â€Å"Man was born free, and he is everywhere in chains† (Rousseau, 1994, p.45.). This report will develop from the foundation of Rousseau, exploring the notion that all humans are understood as equal, yet disparities across society are widespread. I will assert that class stratification is manifested within the micro-level sociology of education. It will demonstrate that class inequalities are maintained and reproduced through the means of social, economic and cultural capitalRead MoreThe Marxist Concept Of Communism1735 Words   |  7 Pagesproperly understand the Marxist concept of communism, one must start where Marx himself does, with an understanding of the evolution and revolutions that created the current class system. Unlike Rousseau and Hobbes, Marx does not begin with a hypothetical human state of nature, but instead recounts the human history of hierarchy, saying, â€Å"the history of all hitherto existing society is the history of class struggles† (Marx, 1 4). He then traces these struggles, from ancient Rome to the problems ofRead MoreThe Critique Of Karl Marx Essay1549 Words   |  7 PagesIn â€Å"Marx: Anthropologist,† Thomas C. Patterson provides archival research and contemporary analysis to defend the assertion that Karl Marx was one of the first urban anthropologists and a progenitor of emic ethnography in western culture. Patterson also aims to correct prior misinterpretations of Marx’s work in a polemic manner, addressing deficiencies in early analyses through careful argumentation and relevant evidence to contrary inferences. Patterson’s stated purpose is to answer the questionRead MorePlato And Aristotle s Views On Political Philosophy Essay3649 Words   |  15 PagesIntroduction: The term â€Å"Political Philosophy† is a normative study of state, government, relationships between individual and communities, laws, rights and justice. It depends on the philosophers that can be entangled with ethics, economics and also metaphysics. Political thinkers are the pioneers of â€Å"Modern Politics† in the world. The first serious political thinkers emerged in Greece. Plato and Aristotle are two great philosophers of ancient Greece. Plato in his book â€Å"The Republic† delivers theRead MoreEconomic Equality Between The Social Classes Of The Great United States Of America1658 Words   |  7 PagesThere should be greater economic equality between the social classes of the great United States of America. While there is no agreement of a full blown communist or socialist revolution, a la Karl Marx, there is agreement that there should be slight changes towards this idea of equality. According to the Internet Encyclopedia of Philosophy, a social contr act (theory) â€Å"is the view that persons moral and/or political obligations are dependent upon a contract or agreement among them to form the society

Religion and Schools Essay - 599 Words

Many of our state and federal laws are based upon Christian religious rhetoric that remain on the books, if not, always enforced. These laws that shape how our country and schools operate, even define how educators are supposed to behave. Freedom of religion, a mandate of the U.S. Constitution, yet, religion has found its way into our laws and classrooms. A clearly defined part of the Alabama Educator Code of Ethics states the following, â€Å"Standard 3: Unlawful Acts: an educator should abide by federal, state, and local laws and statutes.† However, many of the laws that are on the books about moral and ethical behavior were created utilizing religious scripture and designed to foster a Christian way of life. Thomas Jefferson, an advocate of†¦show more content†¦The state of Alabama still has many laws on the books that make it unlawful to be a homosexual. Does this mean that a gay or lesbian teacher is in violation of the law and they are morally unfit to teach? Right and wrong behavior is not black nor white. There are shades of grey that make behavior subjective and not necessarily equivocal to law-breaking behavior. It is important to note, that being an educator does come with certain responsibilities to be â€Å"moral compasses,† but who deems what is moral. In an increasingly technologically monitored world in which people can take pictures, record videos and alter images to suit their needs or biases, anyone can fall victim to unethical behavior at the hands of an angry, manipulative community member. Furthermore, are current laws and standards for educators fair or simply egregious? Matters of faith should remain for those teaching Sunday school and not for our public school teachers whose job it is to mold the intellectual component of a student’s mind. Despite David Purple’s stance that there should be a â€Å"commitment to nourishing the power of love† in our classrooms, it is neither the job nor responsibility of a school or teacher to foster religious or spiritual growth. One can hope that a student will develop a keen intellect to pursue this growth on their own utilizing the analytical skills and compassionate learning they gained in the classroom. Teachers have a responsibility to teach, beShow MoreRelatedReligion : Public Schools And Religion2002 Words   |  9 PagesReligion in Public Schools Issues involving public schools and religion have been topics involving intense debate. It is difficult for the government to elucidate the appropriate boundaries of religion in the public schools. It is true that teaching about religion is permitted in the public education systems, but the real question is where the margin should be set between teaching religion and simply teaching about religion. It is almost impossible to teach about the history of the United StatesRead MoreReligion in Schools Today1253 Words   |  6 Pagesregards to our religious beliefs. Many young children are brought up today confused about religion and the significance it plays in their lives. There are many sanctions and rules now on what can and can t be thought or displayed to people on public property, but it wasn t always like this. In this paper I will be discussing the American religious experience in regards to the impact religion has in the public schools. since 1776 the United States has grown from a nation of relatively few religiousRead MoreThe Effects Of Religion On School Performance867 Words   |  4 PagesWhy is school easy to some while almost impossible to others? Almost everyone has wondered these questions at least once throughout their school career. Religion is one area that is alleged to have a great effect on school performance. Therefore, students who are active in religion should be expected to perform better in school. Whether a child’s increased performance comes from the values which his or her religion pushes or from the environment they are immersed in, some aspect of religion is thoughtRead MoreEssay on Religion in Public Schools 1442 Words   |  6 PagesThe subject of religion in public schools is one that has been debated vigorously and passionately. The warriors from the Right and Left fail to appreciate the facts because they are caught up in the rhetoric and have difficulty viewing this emotion al topic dispassionately (Haynes, 2011). Both sides are right about one thing: this is an important subject. The debate on religion in the public school is complicated by the fact that there are two clauses dealing with religion in the First AmendmentRead MoreShould Religion Be Taught At School?1640 Words   |  7 Pages Should Comparative Religion Be Taught In School Many people have thought that religion is one of the most important aspects of our lives and that it is a structure for how we must carry ourselves. Some believe that a life without faith or religion is no life worth living at all because that is what allows them to give meaning or purpose to life. Many would agree that there are great stories about morals and traditions that each provides and we could learn a great amount of wisdom and understandingRead MoreFreedom of Religion in Public Schools1748 Words   |  7 Pagesthe individual practice of religion in school has become a very controversial topic. There are many different views on this matter and even more opinions on how it should be handled. There are people on both sides of the spectrum, there are those who believe that it should be taught and allowed in school, and there are those who believe it should not be taught or practiced in school. There have been cases brought to court about how religion should be taken out of schools, or if it should be allowedRead MoreReligion and Public school Essay1652 Words   |  7 Pagesestablished religion. To prevent this from happening in America, the Framers of the constitution banished the ability for the state to interfere with religion, and vice versa. Yet over time this mixture of government and religion has been tested, especially in cases involving school and religion. Like any argument, there is a party which agrees and another which disagrees. When looking at schools and practices of religion, there is a side that believe the mixture of school and religion is just andRead MoreThe Practice of Religion in Public Schools762 Words   |  4 PagesThe Practice of Religion in Public Schools The â€Å"establishment† or â€Å"religion† clause of the First Amendment of the Constitution reads: â€Å"Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof† (Education Week, 2003, para. 2). It is from this clause that the idea of separation of church and state comes. It is also the basis for much of the debate regarding the practice of religion in public schools (Education Week, 2003). OneRead MoreReligion in Public Schools Essay1131 Words   |  5 PagesDefinition: Religion in school is the practice of any personal religious beliefs in a place of education. Introduction: In recent years teaching or the individual practice of religion in school has become a very controversial topic. There are many different views on this matter and even more opinions on how it should be handled. There are people on both sides of the spectrum, there are those who believe that it should be taught and allowed in school, and there are those who believe it shouldRead MorePrayer and Religion in School Essay1055 Words   |  5 PagesReligion and prayer can benefit students in educational settings by positively contributing to better grades and behavior. Personal faith and prayer are important to people in many walks of life. Some individuals believe that this need for religious stimulation includes the youth in our school systems. There are different reasons why knowledge of religion and prayer can be important to students. For example, if students do not know about diverse faiths, it can be difficult for them to have a well-rounded

Helen Essay Thesis Example For Students

Helen Essay Thesis A monologue from the play by Euripides NOTE: This monologue is reprinted from The Plays of Euripides in English, vol. i. Trans. Shelley Dean Milman. London: J.M. Dent Sons, 1920. HELEN: At thy knees I fall,O virgin, as a suppliant, and here takeMy miserable seat, both for myself,And him whom, scarce restored to me, I seeNow on the verge of death. Forbear t informThy brother, that to these fond arms my lordAgain is come. O save him, I implore thee;Nor gratify thy brother, by betrayingThe feelings of humanity, to purchaseA wicked and unjust applause: for JoveDetests all violence, he bids us useWhat we possess, but not increase our storesBy rapine. It is better to be poor,Than gain unrighteous wealth. For all mankindEnjoy these common blessings, Air and Earth;Nor ought we our own house with gold to fill,By keeping fraudfully anothers right,Or seizing it by violence. For Hermes,Commissioned by the blest immortal powers,Hath, at my cost, consigned me to thy sire,To keep me for this husband, who is hereAnd claims me back again: but by what meansCan he receive me after he is dead?Or how can the Egyptian king restore meA living consort to my breathless lord?Consider therefore, both the will of HeavenAnd that of thy great father. Would the god,Would the deceased, surrender up or keepAnothers right? I deem they would restore it.Hence to thy foolish brother shouldst not thouPay more respect than to thy virtuous sire.And sure if thou, a prophetess, who utterstTh oracular responses of the gods,Breakst through thy fathers justice, to complyWith an unrighteous brother: it were baseIn thee to understand each mystic truthRevealed by the immortal powers, the thingsThat are, and those that are not; yet oerlookThe rules of justice. But O stoop to saveMe, miserable me, from all those illsIn which I am involved; this great exertionOf thy benignant aid, my fortunes claim.For there is no man who abhors not Helen;Tis rumored through all Greece that I betrayedMy husband, and abode beneath the roofsOf wealthy Phrygia. But to Greece once moreShould I return and to the Spartan realm;When they are told, and see, how to the artsOf these contending goddesses they oweT heir ruin; but that I have to my friendsBeen ever true, they to the rank I heldMidst chaste and virtuous matrons, will restore me:My daughter too, whom no man dares to wed,From me her bridal portion shall receive;And I, no longer doomed to lead the lifeOf an unhappy vagrant, shall enjoyThe treasures that our palaces contain.Had Menelaus died, and been consumedIn the funeral pyre, I should have weptFor him far distant in a foreign realm;But now shall I for ever be bereftOf him who lives, and seem to have escapedFrom every danger. Virgin, act not thus;To thee I kneel a suppliant; O conferOn me this boon, and emulate the justiceOf your great sire. For fair renown attendsThe children, from a virtuous father sprung,Who equal their hereditary worth.

Online Financial Services Essay Example

Online Financial Services Essay Introduction Services What are services? They are defines as concerned with performing tasks in and around households, business firms and institutions. Services industries are those domestic establishments which are providing some kind of services to businesses, governments and other organizations. FIRE, business and health services are the largest service industries. Business services include activities such as consulting, advertising, marketing and information processing. Categorizing service industries With these service industry groups, companies can be further categorized into those that involve transaction broking and those than involve a ‘hands on’ service. For instance, one type of financial service involves stockbrokers who act as the middle person in a transaction between buyers and sellers. Online mortgage companies refer customers to mortgage companies that actually issue the mortgage. In contrast, legal, medical and accounting industries perform specific hands on activities for their customers. In order to provide their service, these professionals need to interact directly and personally with their client. In this the opportunities for ecommerce are somewhat different. Currently doctors and scientists cannot treat patients over the internet but internet can at least assist their services by providing consumers with information, knowledge and communication. Features of service industries Knowledge and information intensity – With some exceptions such as providers of physical services such as cleaning, gardening and so on, and the most important feature of service industries is that they are knowledge and information intense. They process a great deal of information and employ people with the requisite skill and expertise. We will write a custom essay sample on Online Financial Services specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Online Financial Services specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Online Financial Services specifically for you FOR ONLY $16.38 $13.9/page Hire Writer For example lawyers for legal services. However, financial services sector is not so knowledge intensive, but it requires much larger investments in information processing just to keep track of transactions and investments. In fact the financial services sector is the largest investor in information technology, with over 80% of their invested capital going to information technology equipment and services. For this reason, many ecommerce services are suited to ecommerce applications and strengths of the internet to collect, store and disseminate information and provide reliable and fast communication. Personalization and customization – Services differ in the amount of personalization and customization required in them to be delivered but still all types of services involve some amount of it. Services like legal, medical and accounting require extensive personalization – the adjustment of a service to the precise needs of a single individual or object. Others allow individual some personalization to choose from a restricted as in case of financial services. The ability of internet and ecommerce technology personalize and customize service or components of service is a major underlying the extremely rapid growth of ecommerce services. Further the amount of customization also depends on the ability of ecommerce or internet to do so. Online Financial Services The online financial services sector is a shinning example of an ecommerce success story. With the innovative, pure online firms have been instrumental in transforming the brokerage industry, the impacts of ecommerce have been somewhat less powerful in banking, insurance and real estate where customers are more likely to use the web for research, but conduct research for traditional suppliers. In addition, pure online financial firms are not yet profitable. The costs of marketing and technology have far exceeded the early estimates of experts. As in the retail marketplace, it is the multichannel financial firms who are showing the fastest growth and strongest prospects of long term revival. Online Banking and Brokerage Online baking was pioneered in the US by NetBank and Wingspan in 1996 and 1997 respectively. Traditional banks had developed earlier versions of telephone banking but did not use online services until 1998. Although late by a year or two, the established brand name banks have taken a significant lead in market share as measured by number of unique visitors. Same goes as true for the brokerage firms as well Early innovators such as E*Trade and Ameritrade had been displaced from their leadership positions by the financial industry giant Fidelity and discount broker pioneer Charles Schwab. Merrill Lynch, The largest brokerage firm in the United States did not develop an online presence until 2000, but it rapidly added new clients after going online. Online Banking Behavior and Preferences Any belief {or maybe even wishful thinking) that the Internet is just a passing fad seems to be laid to rest by a new survey from CashEdge in New York. The survey polled more than 400 consumers nationwide who use online banking. Eighty-five percent of the survey participants said they would bank only with an institution that offered online banking capabilities. In addition, 82 percent said they would use more online capabilities if offered to them. Other survey findings noted that 87 percent of respondents have more than one institution where they keep their money. Along those same lines, 71 percent said they would prefer not to have to use checks or cash, but would rather use online funds transfers. Online usage has also created more of a demand for speedier service. Seventy-four percent of those polled said they expect a new bank account to be available for use the same day that they sign up for it. The popularity of online banking has been based on both speed and convenience. A majority (66 percent) of those surveyed considered having to go to a branch to be a chore. At the same time, 88 percent said they tried to cut down on their visits to the bank while 75 percent said that if they could, they would never go for a branch and would instead do all their banking online. Granted, these are online banking customers being polled, so the results may be somewhat biased. Still, the numbers do show a growing reliance on the Internet as a means for banking. Finally, customers polled said they do have concerns regarding online banking. Close to 50 percent cited security as a main concern about conducting banking transactions over the Internet. In addition, 14 percent said the issue of security keeps them from banking online. Online Mortgage and Lending Online mortgage lending is a growing field that is starting to seriously compete with traditional ‘person lenders’. The process is relatively easy. The important thing to remember is to make sure your know the ins and outs of any and all online home mortgage loans prior to submitting your personal information. In some cases, youll find fees can be much cheaper than traditional in person lenders. Further, you may discover a greater range of mortgage loan programs available. Among the highlights of these programs may be lower rates of interest and flexible repayment terms. Also, borrowers with a bad credit history may find online mortgage lending to be the answer to their prayers. In most cases, web-based lenders offer more alternatives to those with less than desirable credit ratings. Finally, it can shave a ton of time off of the traditional in person route and having to wait (what might be several days) to be approved. The bonus here is if you dont get approved the first time, you can apply to another lender right away and like the first time; youll get your answer quick. Its important to realize that not all online mortgage lenders have representation in all states. Before taking the time to apply online, its in your best interest to make sure that the lender in question is represented in the state in which you reside. A big negative is unfortunately accountability. Its your job as the potential borrower to do your homework and keep on top of your application. Its wise to check out the company to make sure theyre legit and will be able to fulfill any promises they make regarding terms and interest rates. Unfortunately with both traditional and online mortgage lending, the mortgage loan programs offered may be more in lenders best interest than in yours. Again, its so very important that you do some research and comparison shopping. Just like with traditional in person lenders you want to make sure that it is in your best interest not theirs. Another possible negative is the fact that some lenders will charge you a fee prior to you learning whether or not your application has been successful. Please note that some traditional lenders also ask for a fee upfront. Borrowers beware there are many legitimate traditional and online lenders than dont insist on such a fee. Unlike any negative dealings you may have with traditional mortgage lenders, online mortgage lending isnt regulated by a governing organization in which you can complain to. The bottom line is that while online mortgage lending may be the way of the future, its also important to research the lender and ask the right questions. And, while applying for a mortgage loan online may seem like a great idea, dont discount the value of getting a comparison quote from a traditional in person lender. Financial portals A website that provides a variety of financial data and information, acting as an information hub for clients who are individual investors requiring timely financial news and data to make their investment decisions. Financial portals are intended to give clients all the finance-related information they need. Often, the portals themselves will provide visitors with quotes, research, articles, analyst recommendations, etc. Financial portals may also provide links to various relevant sites that offer this kind of information. In addition, many financial portals provide email accounts, chat rooms and web forums. They provide their comparison with comparison shopping services, independent financial advice and planning. On the contrary, independent portal do not themselves offer financial services but act as steering mechanisms to online providers. They generate revenue from advertising, referral fees and subscription. Financial portals are a major source of visitors to major established financial services sites. For instance, about one third of visitors to Wells Fargo began their sessions at a financial portal. About 20% of visitors to established sites exit to portal sites. These have become so important to established online service firms that some providers like Charles Schwab and Citibank went ahead and have developed their own portals myschwab. com and myciti. om respectively, which permits users to personalize their financial web pages and provide account aggregation services. In general, financial portals do not offer financial services but instead they make their money from advertising and add to the existing online price competition in the industry. They are also a counter strategy of the large banking institutions to ensnare consumers into a single branded financial institution system with a single account and high s witching costs. Financial Portals are Hot, but for Whom? Suddenly-even by Internet time-the long sought one-stop financial portal has arrived. E-banking watchers are predicting that very soon, most big banks and some smaller ones will be sporting websites where customers can come to handle all of their financial affairs. Whats been missing until now is the ability to aggregate information and perform transactions that involve a customers accounts at rival institutions. Rich payoffs await the bank that can field a full-service financial portal. Its customers will likely visit he site more often, stay longer, and use more services. An early-adopting bank has the chance to become its best customers primary bank, where all financial information is consolidated into always-available net worth statements. For high-net worth customers, basic banking will likely evolve into online versions of what is now being called wealth management. Financial services industry trends The financial services industry provides four different types of services: sto rage and access to funds, protection of assets, means to grow assets, and movement of funds. These have been traditionally provided by separate firms. However, changing the institutional structure of the financial services industry has direct consequence for the online financial services. The trend contributing towards this cause is the industry consolidation or in other words movement towards integration financials services. Unlike in the traditional times, when banks were not allowed to operate in more than one area and industries like banking, insurance, brokerage were prohibited to from having significant financial interests in one another. Due to this concept only, some very small banks emerged in US in the past and it was also once called the most over-banked country in the world at that time. But this has long back faded into oblivion. Today the concept which is fast catching up is integration of financial services under one umbrella. Industry Consolidation and Integrated Financial Services Financial supermarket Most of the big online stockbrokers offer basic banking services like check-writing, automatic deposit, online bill payment and even A. T. M. cards. Now some companies are pulling out all the stops to convince customers to combine all their financial accounts with them, instead of keeping money at an assortment of institutions. This is called a financial supermarket. First, Bank of America announced that customers with at least $25,000 in traditional bank accounts — like checking, savings, money markets and certificates of deposit — could trade stocks free on the company’s brokerage Web site. Now some online brokers have sharply raised the interest rates they pay on checking accounts. Some time back, E*Trade Financial, based in New York, raised its top rate for checking to 3. 25 percent from 0. 8 percent. In late April, Charles Schwab bolstered its top checking rate to 4. 25 percent, from 2. 58 percent. Consumers have often preferred choosing their financial services a la carte — picking an interest-bearing checking account here, and a stock-trading site there. But financial services companies clearly have something else in mind. But there is dark side to it as well. Consumers should think carefully before combining their financial accounts with one company. The flip side to the convenience may be a decrease in investor privacy and data security. If a hacker broke into a company’s computers, then potentially they will know all of your sensitive information. People who combine their checking and brokerage accounts with one company should be prepared for cross-selling, the industry’s term for marketing many different financial products and services to customers. It is advised that customers should shop around before buying additional financial products, like mortgages and certificates of deposit, and not just to accept the rate at a company where they already have an account. Mortgages are a great example because the difference in cost over the life of a mortgage can be truly astronomical. The promise of internet and ecommerce technologies in the long rum would be to take the financial supermarket model one step further by providing a truly personalized, customized and integrated offering to customers based on their complete understanding in terms of his financial behavior, life cycle status, and unique needs. It will take time to accomplish this thing and also develop the technical infrastructure and consumer behavior toward a much deeper relationship with online financial service institutions. Online Financial Supermarkets. Dont bet on them. Big brokers would love nothing better, but consumers arent likely to bite At E*Trades Web site, you can buy shares in initial public offerings, do your banking, and get a 5% discount on a bottle of Le Parfum de Golf. At the American Express Co. site, you can pay your charge-card bill, trade stock, and book a flight to Kiev or Kuala Lumpur. Merrill Lynch Co. s ML. com will soon have $29. 95 stock trades, videos featuring Merrill market mavens, and an auction for diamond earrings. The Web sure is hip. But does anyone really want all this from a stockbroker? Financial-services companies have long wanted to create giant financial super markets. And financial services companies on the Web are no different. The goal has been to offer consumers banking, investments, insurance, loans, and financial planning in one convenient place. The strategy has failed for decades, and it will fail again online unless financial-services firms radically change the way they sell their products and learn to compete on price. The core difficulty for such would-be supermarkets is that they face a constant barrage of competition from companies pitching better products or services at lower prices. Just as online brokers squeeze commissions down to an average of $15 a trade, American Express offers free buy orders for customers with balances of at least $25,000. Just as portal Yahoo! Inc. popularizes a Visa card featuring 5% discounts for online purchases, startup NextCard Inc. offers similar shopping bargains plus a choice of cards with various rates and terms. And you can design the picture on your card yourself. For free. Funneling The truth is, it probably doesnt hurt to offer sideshows such as earring auctions and perfume discounts. The problem for the one-stop shops comes when they try to funnel online customers into high-priced, proprietary products, which may well alienate Netizens accustomed to saving money online. Those potential customers will click through and be on their way, and its not hard for them to find a better deal. At E-Loan Inc. , you can compare low-rate mortgages from countless lenders. At least a dozen sites offer insurance shopping services. And new firms such as VerticalOne Corp. and a host of others let you maintain multiple online financial accounts from different companies at one Web site. Internet or not, people dont want to be tied downsomething online brokers know all too well. Many customers use online trading as a mere adjunct to their primary accounts at full-service brokers. And if they arent satisfied with one online broker, theyll switch to anotherand complain about their problems on message boards for all to see. A Forrester Research study found that only 16% of consumers are willing to keep their assets in a single institution. And theyre not eager to give up choice, especially when new financial products and services pop up online all the time. The Web is a world where consumers are in charge, and they can move money in an almost frictionless environment, says Forrester analyst James Punishill. Its easy to understand why the financial industry is rushing to develop large-scale financial Web sites. Consumers want to consolidate their financial lives on the Webbut not with just one firm. Successful online companies wont try to pigeonhole customers into the same old proprietary products they sold pre-Internet. Theyll offer a broad selection, use the power of the Web to facilitate comparison shopping, and explain why a premium is justified for higher-priced products. In financial services, the Net has changed the rules. Account aggregation Account aggregation is a method that involves compiling information from different accounts, which may include bank accounts, credit card accounts, investment accounts, and other consumer or business accounts, into a single place. This may include a database or may be provided through screen scraping where a user provides the requisite account-access information for an automated system to gather and compile the information into a single page. Usually this database resides in a web-based application or in client-side software. While such services are primarily designed to aggregate financial information, they sometimes also display other things such as the contents of e-mail boxes and news headlines. One of the first major account aggregation services was Citibanks My Accounts service, though this service ended in late 2005 without explanation from Citibank. Much has been said in the financial services and banking industry as to the benefits of account aggregation principally the customer and web site loyalty it might generate for providers but the lack of responsibility and commitment by the providers is one reason for skepticism about committing to those same providers. The service helps users to manage their money on the Internet (typical desktop alternatives include Microsoft Money, Intuit Quicken etc) in an easy to use manner wherein they get functionalities like single password, one-click access to current account data, total net worth and expense analysis etc. Multiple U. S. financial institutions and credit unions are providing the service, however most of the time a vendor, such as Yodlee or Vertical One, is the technology solutions provider. Both these are the leading account aggregators. They use the screen scrapping technology and software tools to pull information from upto one thousand different financial sites. A smart mapping technology is also used sometimes so that if the underlying websites change, the scrapping software can adapt and still find the relevant information. Account aggregation has evolved with single sign-on at most major banks such as Bank of America. With SSO (usually implemented via SAML) major financial institutions are now expanding their aggregation services into new areas. Rich Presentment (getting all the information about a bill that you owe) is a service that uses Aggregation extensively, and can be seen at AOL, using AOL Bill Pay. Aggregation also powers applications such as Funds Transfer, New Account Openings, Card Based Bill Pay and so on. Independent Financial Advisors are another group that account aggregators are beginning to focus their attention. Having seen increasing competition from the wirehouses and breakaway brokers, positioning themselves as their clients primary advisor is not as easy as it once was. Account Aggregation should be able to help many of these advisors gain the competitive edge by providing a look into their clients held-away and non-managed accounts. Aggregators such as Advisor Exchange and CashEdge specialize in working with the advisor industry and provide historical, transaction level data that is normalized and reconciliation ready The main consumer and regulatory issues generated by account aggregation services include: †¢Disclosure including disclosure about the risk of using an aggregation service; †¢Liability for unauthorised transactions it is important to determine for losses caused by unauthorised transactions. For example, under the current regime, a consumer who discloses their password or PIN to an aggregation service may lose the protection offered by the EFT Code if an unauthorised transaction occurs; †¢Liability for other losses for example, losses caused by misrepresentations, inaccurate information, poor quality of the service, downloading software, interruption of the service, etc; †¢Privacy – e. g. ho has access to personal information, and what will the information be used for; †¢Security especially the security of any location where account information is stored by the aggregator;†¢ consumer education; †¢Complaints and dispute resolution most aggregation services surveyed do not appear to provide internal or external complaints resolution processes; †¢Cost of aggregation services, and debt recovery; †¢Cross-jurisdictional issues for example, what are the implications if the ggregator is based in another jurisdiction; †¢Regulatio n of aggregators should they be subject to the same prudential supervision framework and other regulations that apply to deposit-taking institutions and/or other financial institutions? ; †¢The implications of the Financial Transaction Reports Act, which is designed to deter money laundering and tax evasion. Security Understanding Consumer Preferences for Authentication Methods Would online banking increase if financial institutions provided their customers with ways to enhance security? A new survey TriCipher Consumer Online Banking Study, suggests that may well be the case. Conducted by Javelin Strategy Research, the survey found that 31 million U. S. consumers would begin banking online and another 39 million consumers would increase their online banking activity if offered free identity protection software by their banks. In fact, this authentication method was chosen by 53 percent of respondents. The second most popular authentication method—chosen by 33 percent of survey respondents—was biometrics, which uses a dedicated hardware device to verify such physical characteristics as a fingerprint. The survey also tracked consumers preferences of the following authentication methods. †¢ E-mail or SMS One Time Password (21 percent): An e-mail or text message is sent with a random second password. †¢ OTP Token (20 percent): A small electronic device provides a constantly changing password. †¢ Out-of-Band (16 percent): A call is made to a registered phone number, requesting that a user enter his or her password over the phone, †¢ Peripheral Device Recognition (15 percent): Connection of a removable device (e. g. iPod, cell phone) owned by the consumer †¢ Scratch-off Card (11 percent): A card containing several PINS that are scratched off one at a time Exploring the Electronic Vault With electronically signed documents growing in popularity, especially for processing mortgages, banks are facing the question of how to protect and manage them. Banks must provide airtight security, yet at the same time make the documents accessible to a broad range of personne l. Electronic vaults can solve the problem, according to ‘Advanced Electronic Vaulting Solutions. A white paper from eOriginal, a Baltimore based provider of electronic document solutions. An electronic vault, as defined in the companys white paper, manages the legally binding. Authoritative Copy of an electronically signed contract or other document, and possibly its related transaction documents, in a secure location where it is held and transitioned during the entirety of its lifecycle, Electronically signed documents have been legally viable since 2000, when President Clinton signed the Electronic Signatures in Global and National Commerce (E-SIGN) Act into law. When an electronic vault is in place, once a document has been e-signed, a final copy is immediately sent to an electronic vault, where access can be controlled. From then on, a log will keep track of anyone who accesses the document, including such functions as printing or copying. An electronic vault can provide additional benefits beyond chose of security and access. For example, using electronic vaults can demonstrate that an institution has an original, untampered document, which enhances the integrity of the document. In addition, the secondary market requires that documents be stored in a secure, closed system, and electronic vaults fit the bill. An effective vault system can even indicate the new owner of a loan document, without tampering with the original document in any way. When judging the effectiveness of an electronic vault system, financial institutions should consider several requirements: 1. All documents should be protected, encrypted and time-stamped. 2. Privileged access rights to the documents should be maintained and enforced. . A complete audit trail should be kept for each document, including document access and transfer of ownership. 4. The document should be tested on a regular basis to determine whether any alterations have been made. 5. A vault system must be able to destroy an electronic original in the case where a paper copy becomes the legal version. Financial industry requirements for better authentication The success of this Web-based channel has bred new problems, pri marily in the orm of new types of online fraud, online versions of traditional fraud, or offline fraud that leverages vulnerabilities in online services. So far, the financial industry has been remarkably effective at controlling this fraud,1 but financial institutions cannot assume that current fraud-control measures will always be effective, and in any case the public visibility of fraud schemes such as phishing is eroding consumer confidence in the safety of on-line financial services, which troubles both financial institutions and their industry regulators. One fundamental issue is authentication. Consumers are not as sure as they should be of the legitimacy of the Web sites they interact with, while the ability of financial institutions to authenticate their customers is being undermined by phishing schemes and other attacks aimed at stealing passwords and other sensitive information. The net effect is that people are losing confidence in the safety of conducting their financial business on the Web, which will have a negative impact on the growth and adoption of online financial services no matter how effective the financial industry is in controlling actual fraud losses. Government regulators, of course, are also concerned about this trend. With these concerns in mind, the Financial Services Technology Consortium (FSTC) last year initiated a project aimed at defining â€Å"Better Mutual Authentication† practices for online delivery of retail financial services. This project has brought together major financial institutions from the banking and securities sectors, along with leading technology vendors, industry associations and observers from government agencies. New insights have emerged from this Project regarding the nature of authentication in a Web/Internet context, including the conviction that—although the necessary technology is largely available in theory—current Web authentication practices must be substantially improved if customer confidence is to be restored. FSTC’s BMA Project encourages and supports efforts by W3C to coordinate broad-based initiatives to improve Web authentication, and Project participants are likely to contribute to, or leverage, W3C’s initiatives. From the FSTC BMA Project’s perspective, requirements need to be addressed in the following eight areas: 1. Usability 2. Mutuality 3. Credibility2 4. Scalability 5. Availability 6. Interoperability 7. Flexibility 8. Adaptability For financial services, the first three— usability, mutuality, and credibility—are the core requirements. Usability is vital. Embedded in the hardware, operating system, browser, and internet services available today in the average computer is a truly impressive array of security technology, but it’s nearly impossible for the average consumer to make effective use of it, or even to determine if it is working correctly. Customer confidence in financial services can only be achieved if customers are able to confirm through trustworthy user interfaces that their Web interactions are safe. At the same time, customer safety depends on protection from impostors who may attempt to impersonate either the customer to the financial service, or the financial service to the customer; hence, the need for mutual authentication. Credibility2 of authentication requires that both customer and financial institution confirm the authenticity of the other party using something better than just passwords or other shared secrets. Beyond these core requirements, no authentication solution can be effective for retail financial services unless it can scale to support the entire consumer population. And consumers will resist adopting any new measures that impact availability of services, or that are too likely to break. Given the diversity of consumer needs, various authentication techniques will be required, and so interoperability is essential. Evolving consumer requirements indicate that flexibility is necessary to allow consumers to utilize multiple platforms in an anywhere, anytime online context. And, emerging threats and ever more sophisticated attacks from increasingly organized adversaries implies that viable solutions must be adaptable to a range of new threat scenarios. FSTC’s BMA Project participants recognize that the problems of Web authentication cannot be addressed by any one organization, or even by an entire industry acting alone. Instead, a coordinated approach is required involving: †¢ Operating System (OS) developers †¢ Providers of end-user computing platforms—e. g. PCs, mobile devices †¢ Browser developers/vendors †¢ Web server software vendors †¢ Vendors of authentication techniques †¢ PKI service providers †¢ Web content providers—e. g. , financial institutions †¢ Internet Service Providers (ISPs) †¢ Standards-setting organizations †¢ Industry associations †¢ Government agencies †¢ End users—e. g. , consumers, citizens W3C is well positioned to bring together many of the se players to establish common objectives and align their respective strategies. Financial Industry Recommendations Leverage PKI More Effectively – PKI alone, as currently implemented, does not allow a user to distinguish between a financial institution Web site and one that, although belonging to an impostor, has nevertheless obtained some sort of certificate and supports https sessions One possible approach would be for the financial industry to establish new guidelines for a restricted subset of the existing certification hierarchy that would issue certificates only to financial institutions, and then to add new indicators to the browser â€Å"chrome† that would let the user know whether a site’s certificate is certified by this â€Å"strong† certification hierarchy. †¢Engage End Users in Mutual Authentication Perhaps the greatest concern with current Web authentication practices is that end users—the customers of financial nstitutionsâ₠¬â€ are severely handicapped in their ability to know if the Web site they are viewing is legitimate or an impostor. The financial industry would like to see new approaches to Web authentication that actively engage the user in authenticating Web sites (financial services) as well as providing stronger evidence of the user’s authenticity. This will require active, two-way communications with users that provide consistent, understandable interfaces into the complete authentication process. However, user engagement should not become an additional burden or hurdle to be overcome. Instead, users should, at the very least, be given a dashboard they can trust and that provides the information they need when they need it, including useful alerts or warnings. Achieve Synergies with Alternative Authentication Techniques The financial industry recognizes that reliance on passwords alone is no longer adequate, given the current threat levels. Furthermore, the industry must address new regulatory guidance3,4 that calls for use of alternative authentication techniques that protect consumers from password theft and abuse. Multi-factor authentication is widely viewed as one of the more effective alternatives available to financial services providers. However, there are significant challenges with rolling out new authentication techniques that will adequately scale up to the many millions of consumers that already use online financial services. In particular, consumer adoption is a major concern. †¢Improve Techniques for Managing Passwords No matter what new authentication techniques get deployed, the financial industry will continue to utilize passwords and other shared secrets that can be exchanged bi-directionally between customers and Web sites. Browsers already provide password management tools for users, and increasingly serve as the preferred â€Å"password vault† for end users. Unfortunately, this concession to user convenience also heightens exposure to potential abuses, and financial institutions are increasingly concerned about the mounting threats to their financial services and customer interests. Browsers also provide various means for end users to enter passwords through special-purpose dialogs, though all of these mechanisms are considered deficient in one way or another. The financial industry would like to see new password entry procedures incorporated into browsers that require prior establishment of TLS (SSL) sessions and that enforce effective security practices for use of passwords. Growing importance Small-biz adoption of online banking to surpass 50% More than half of U. S. small businesses will have adopted online banking by the end of 2007, according to a new research report. Small-business use of online banking grew dramatically from 1998 to 2007, and Tower Group, a Boston-area research firm focused on the financial-services industry, estimates a further 10-percent penetration by 2010. Despite the growth and revenue potential of small-business online banking many financial institutions continue to under-serve this vital market, Tower Group says its research shows. While 95 percent of banks in the U. S. offer a dedicated small business online-banking product. Many banks simply provide a re-branded version of consumer online offerings — rather than creating more advanced features that meet the unique needs of small businesses, the research firm contends. Small-business owners straddle the line between consumer banking and corporate cash management. They appreciate the simplicity of retail online banking, yet value the features such as multiple user access and electronic payments found in corporate online banking, Tower Group contends. Banks, credit unions and emerging non-bank competitors of all sizes are chasing the small business market in an effort to capture a share of this expanding segment, said Patricia Hines. senior analyst in the Wholesale Banking pra ctice at Tower Group and author of the research. Highlights of the research include: †¢ In order lo retain existing small business customers, banks offering minimal features must expand online capabilities. Tower Group research found that less than 50 percent of banks include electronic payments in their small business online banking offering. †¢ At the upper end of the feature set, Tower Group expects banks to increase integration with other high-value online services such as employee payroll, merchant services, and investment management.