None Essay Example | Topics and Well Written Essays - 500 words - 39

None - Essay Example The product offers a fast and convenient way of making a tea latte at home or office. Therefore, marketing Ms. Latte is supposed to create a distinct perception in the customers mind that it is a product meant to save time and money. The cost of a product determines its positioning in the market. During the implementation stage, the first rollout package will be positioned among medium income earners. This is because this market segment represents the largest population. In addition, the medium income earners are likely to perceive a tea latte as a basic necessity because of their busy lifestyles and the need to spend little money on living. The rich people may afford to order a latte from Starbucks whenever they want but the medium income earners want to run a busy lifestyle, save on living cost and still be able to use modern equipment such as Ms. Latte. Therefore, Ms. Latte will be positioned as an affordable product. However, after spending time on the market, the product can be developed further and differentiated into two models, an expensive for high-income earners and a basic one for low-income earners. The overarching gap in the market of Latte products is availability of time-saving latte product. Therefore, the primary attribute we would want the customer to see in Ms. Latte is the â€Å"time saving† attribute of this product. Marketing campaigns would actually need to focus more on the time saving aspect of the product. Positioning Ms. Latte within this context will make the product appealing to busy lifestyle populations especially in large cities and towns. However, this time attribute will need to be matched with the freedom attribute as well. It is not possible to dictate in a coffee shop, the amount or type of milk, sugar or other ingredients when ordering a latte. However, with Ms. Latte it is possible to alter all the ingredients depending on personal’s tastes and preferences. This gives freedom of taste

Routine CT scanning protocols of head, chest and abdomen Essay

Routine CT scanning protocols of head, chest and abdomen - Essay Example As with the benefits of any new medical technology, CT also has its share of woes in terms of exposure of patients to high dose radiation. It is challenging to optimise and reduce the dose without compromising the image quality and resolution. This paper aims at bringing out optimization of the radiation dosage by modifying existing parameters based on latest discoveries and innovations. The most direct method of reducing the radiation dose reduction is that of decreasing the tube voltage and tube potential. However, the use of other techniques including Automatic Emission Control, Imaging Filters and Noise Reducing Filters also aid in reduction of radiation dosage without diminishing the image quality. The machines used for routine CT at KSMC are the General Electronics system, the Philips system and the Siemens Somatome Sensation 16 Slice. For this evaluation, I would focus on the Siemens system as my experience is confined to the same. The CT scanning protocols for head, chest and abdomen will be covered in this paper. CT can be performed with or without contrast and the procedure essentially depends on the physician performing the imaging procedure. Table 1 shows the numerous parameters and dimensions for the CT scan of the human skull using KSMC’s protocol. Skull imaginative view, reconnoitre vision of the brain SOM (supra orbito meatal) line are the baselines for this assessment. This protocol does not use IV contrast or oral contrast. The second protocol used is for mass lesion or tumour. The second protocol is similar to the first one but uses IV contrast that is set between 100cc to 120cc of Omnipaque 350. Patient preparation and training vary for protocols with and without contrast. In protocols using no contrast, patient training is not necessary, while procedures using contrast require that the four elementary steps be completed, the steps being; only one CT scan

Relationship Marketing Essay Example | Topics and Well Written Essays - 1500 words

Relationship Marketing - Essay Example The affiliates include the employees, customers, suppliers and distributors. He argues that, it is healthy for a business to establish a strong foundation that will retain its customers rather than trying to acquire new customers every time. Relationship marketing according to Kanagal (2009) is a philosophy to change the eager customer behaviours and the implementations taking consideration of what the customers think about the company and what the employees should know about the customers. He adds that business should dwell on identification, establishment, enlargement, maintenance and modification of relationships with customers thus building both history and future. According to the definitions, relationship marketing entails taking consideration of the channel to acquire new customers, nurturing and satisfying their needs. In satisfying customer’s needs, companies are able maintain their customers rather than trying to convince and attain new customers. It is clear that a good relationship with and knowing what they need fosters success in business. In general, RM can be defined as a channel towards business success developed through building a strong foundation that maintains the stakeholders of the business. The channel considers engaging customer requirements, preference and tastes in an effort to deliver the best services that will retain them and create a bright future of the business. Relationship marketing helps in building knowledge, preference and trust factor in customers. In the current world of technology, there is the luxury to know and decide on whom to trust in every purchase. Businesses need to step extra mile to create know, like and trust factor system (Morgan & Hunt, 1994). The system can be achievable through consistent activeness on social media networks, offline networks and websites. Responses and ability to interact with customers helps build a strong platform for the

Global Communications Worksheet Essay Example for Free

Global Communications Worksheet Essay Your supervisor wants to send a brief e-mail message, welcoming employees recently transferred to your department from different regions across the company, which are Brazil, Russia, India, and China. Create a clear and concise welcome message that would be appropriate for these groups of employees. Research the communication style of each of the following countries: Brazil Russia India China Transcribe the following welcome message for the employees from each country: I wanted to welcome you ASAP to our little family here in the States. It’s high time we shook hands in person and not just across the sea. I’m pleased as punch about getting to know you all, and I for one will do my level best to sell you on America. Complete the table below with your transcribed welcome messages. Also indicate whether each of the countries are more individualistic or relationship focused, and whether they are direct or indirect in their communication. Country Transcribe Welcome Message Relationship or Individualistic? Direct or Indirect? Brazil

Risk Analysis of German Banks

Risk Analysis of German Banks During this assignment, the German banks data were compared to that of France and Italy banks. A simple regression analysis was performed. The data suggests that there are great variations in the basic principles when are applied in finding out the exact risks. In general, it is noted that that the France and Italy banks are more riskier than the German banks. In the financial institutions, the risks are assessed in a very particular manner. The purpose of discussing risks is to encourage the investors in the banking sectors. Therefore the managements and high level authorities in the banking system apply the various tools in addressing the risks. It is very eminent that the with out the support of the banking systems by and large the businesses can not grow, as these should be. Therefore there must be some ways of addressing the risks in the very first place. Including to satisfy the share holders and stakeholders, and other stakeholders, (Watson and Head, 2005). There are eminent differences in between the emerging market financial systems and the banking systems of developed countries. However the reasons for this significantly. It is noted that the various researchers, scholars, and academicians have shown divided ideas. As we can that some of them had a firm view about the unstable macroeconomic environment, and rest of the scholars have come forward with the point about weaker risk management practices, (Beck et al. 2003). Keeping the importance of risks assessment and its management, the followings are highlighted, so that this issue can understood in an acceptable way. Literature of Review: The banks invest their money in the different projects, such as buying of shares, construction projects, and other financial intuitions. There is also a fact that the management s in the banks monitor, evaluate and judge the performance of their projects during and after the completion of projects. Similarly, Ma, and Eli (2005) indicated that the implementers in the banking sectors must get the lessons for the previous years, failing to this would be failure of the whole project. Basically they (Ma and Eli) did support the theory of application, which suggests that investing directly to the system do not justify the action. There must be a some kind of rational in addressing the risks in the financial and highly competitive environment. In addition, to above, according to Bank for International Settlements, (2002) and Topping (2005) while highlighting the importance of risks evaluation and its management indicated that the some of the factors which contribute the risks are such as, the changing nature of macroeconomic risks, new forms of risks to the banks, and whether or the abilities, skills and other measures have really improved in addressing the issues of risks. In very simple words, it is found that the risks increase when the banks do not imply certain methods. These methods are related to see and judge the results of previous years when there were projects in the pipe lines. Some of the high rated researchers, scholars and professionals such as Chris (2008) and Topping (2005) basically indicated the following levels are addressed and if done, then there are less chances of increasing risks, such as: Risk identification: This is very basic stage where the banks can identify the risks. In simple meaning in the inputs are discussed broadly, and its implications are noted before, during and after the completion. In broader sense, this is done at the sites, where projects will be launched. Particularly, the following points can help in identifying the risks, such as: †¢ Who will take responsibility for risk identification? †¢ Process for risk identification, including existing and new products, and †¢ Regularity in reviews. Risk measurement: The followings nine factors can be measured during risk measurement such as: Capital, Assets, Market risks, Earnings, Liabilities, Business, Internal Controls, Organisation, Management. Whereas while talking about frequency of risk measurement, the followings should be noted very carefully, such as: Sources of data, it includes market prices and position information Risk measurement tools, given the complexity and level of risk assumed, Ability to measure risk at both transactional and portfolio levels. Methodology to ensure all identified risks are monitored, Accuracy, and clarity of monitoring reports, Involvement of management and staff in having the reports, Comparability of output against predetermined limits. http://www.fsa.gov.uk/pubs/policy/p10.pdf The benefits of risk assessment: There are multi-layered assessment benefits to the banks and financial institutions. It include such as to make profits and distribute among the shareholders. It helps the clients for the banks others (employees) satisfied. This brings more jobs to the public and indirectly helps in boosting GDP. The risk assessment keeps busy the staff in doing their professional work. It can be seen that the supervisors need to spend time on-site discussing the issues with senior bank management. The time taken to perform this work will vary from bank to bank depending on the size and complexity of the institution. However, following a risk assessment, the supervisor will be better placed to decide on the intensity of the future supervision having obtained a better understanding of a banks risk profile. The intensity of supervision and the amount and focus of supervisory action will increase in line with the perceived risk profile of a bank. One advantage this has for banks is that the cost of supervision, in terms of management time or through direct costs. WE have to agree that the banks pay high costs for initial assessments, and in turn if their projects are completed, the banks then take benefit of having high wages and other facilities. The bank official especially in the third world are highly paid. Table 1 shows the three pillars in the banking sector Pillar 1 Minimum Capital Requirements Pillar 2 Supervisory Review Pillar 3 Market Discipline Market risk _ No changes from Basel I Credit risk _ Significant change from Basel I _ Three different approaches to the calculation of minimum capital requirements _ Capital incentives for banks to move to more sophisticated credit risk management approaches based on internal ratings _ Sophisticated approaches have systems/controls and data collection requirements as well as qualitative requirements for risk management Operational risk _ Not explicitly covered in Basel I _ Three different approaches to the calculation of minimum capital requirements _ Adoption of each approach subject to compliance with defined ‘qualifying criteria Banks should have a process for assessing their overall capital adequacy and strategy for maintaining capital levels _ Supervisors should review and evaluate banks internal capital adequacy assessment and strategies _ Supervisors should expect banks to operate above the minimum capital ratios and should have the ability to require banks to hold capital in excess of the minimum (i.e., trigger/target ratios in the United Kingdom; prompt corrective action in the United States) _ Supervisors should seek to intervene at an early stage to prevent capital from falling below minimum levels Market discipline reinforces efforts to promote safety and soundness in banks _ Core disclosures (basic information) and supplementary disclosures to make market discipline more effective Source: KPMG, 2003. The Table 1 above shows the details of three pillars. These guidelines are apparently seems to be quite added information for the banking managements. But again there is an inverse argument, who accepts the challenges, threats and then commits to carry out the assessments, so that the future risks could be minimised at least. Methodology and Data: The data for the banks regarding Germany, France and Italy was analysed by the Excel programme. During this analysis, a simple linear regression was carried out. There were altogether 8 parameters which were used. However in case Germany banks were compared to that of France and Italy. The parameters were such as, index, loans, equity, LA, NIM, ROAA, ROAE, and CIR. As a matter of fact these parameters are the base lines for the banks to work/operate in the competitive financial markets. Results and Discussions: The results of the analysis are presented below. It has already been indicated that the German data is compared to that of France and Italy. The Figure 1 below shows that the relationship between the German banks and France banks seems to be very poor. It means that the ways the German banks are applying are entirely different to that of France and vice versa. Figure 2 discusses the regression analysis of German banks versus Italy banks on the basis of index. It can be seen that again the relationship still very week. The data regarding loans is presented in the following Figure 3, in this case German banks were compared to that of France banks. The results show that the way the German banks are obtaining or lending loans are not comparable to that of France. It can also be seen from that Figure 3 that R2 value is too weak. Figure 4 shows the data comparison between the German banks and Italian banks. Again the regression analysis indicates that there is not good relationship between the two. Even when we look at the equation, it suggests that Italian banks approach is entirely negative to that of German banks regarding extending loan facilities to the businesses. In reality equity is the very important parameters, banks work against equity either way. It means if banks are getting loans from other financial institutions, it works on the basis of equity. It also argued here that the poor relationship between the German banks and France clearly demonstrates that there are more risks for the France banks when compared to German banks (Figure 5). Figure 6 highlights the comparison between German banks and Italy banks. The relationship between the two still very poor. It can also be seen that this relationship is negative. The data regarding LA is presented in Figure 7 and the relationship between German banks and France is indeed very poor. The results of LA regarding German banks and Italy banks suggest that there is negative relationship between the two. The same can be seen from Figure 8. Figure 9 suggests that the relationship regarding NIM for German and Italy banks negative, it means no relationship at all. The data concerning NIM is presented in the Figure 10. It can be seen that the relationship between the German banks and Italy very poor. As this relationship shows negative relationship. The analysis of ROAA regarding German and France banks is given in Figure 11. The negative relationship shows there is no strength in particularly applying the same approach. Again this ratio is highly important to note the differences in the banks. The results of analysis are given in Figure 12. It can be seen that there exists negative relationship between the German banks and Italy banks. Data regarding ROAE ratios is compared between the German and France banks. The same can be seen in Figure 13. The negative R2 value indicated the weakness of the relationship. Figure 14 suggests that the relationship between the German and Italy banks is negative. It means that the way the German banks are calculating ROAE is not same in case of Italy. The data in reference to CIR is shown in Figure 15. The comparison between the German and France banks shows that there is a negative relationship. The comparison about CIR between Germany and Italy clearly shows that there exists negative relationship. The same data is shown in Figure 16. When we look at the Figures above, in most of the analysis conducted for the various parameters show that there is a negative relationship. It means that the strength of the approach differs. As a matter of fact, it is argued that the methods of calculating risks are nearly similar in the German, France and Italy banks. So a question arises, why it is so? There could be many reasons behind the explanations. But very viable and quite acceptable refers to the non availability of the data during the months and years. The data shows big gaps, and further suggests the approaches in calculating risks in the banks are not same as in regarding Germany. Conclusions and recommendations: When we look above, it can be seen that there are different ways and means are being used by the three countrys banks in calculating the various ratios, including loans and debts. It is also very clear that there is no relationship when the data were tested through regression analysis. There is likely possibility that the German banks are not using those principles, where are used by the France and Italy banks, or vice versa. Concerning recommendations, it is suggested that the German banks if use the similar way of in disbursing loans especially; there is high probability that the risks could be deep down compared among the three countrys banks.

Was Macbeth A Traitor :: essays research papers

'Macbeth deserved to die because he was totally responsible for the betraying the Scottish king, Duncan, and the Scottish people';. Write an analytical essay in which you explore the forces behind Macbeth's murdering ways. Macbeth deserved to die for betraying the Scottish king, Duncan, and the Scottish people; however, he was not totally responsible for his actions. Lady Macbeth and the three Witches also played a major role. They were responsible for convincing Macbeth to begin the series of events, which eventually led to the destruction of order in Scotland. Once she had received news of the three Witches' prophecies, Lady Macbeth was intent that she would eventually become Queen of Scotland. Initially, Macbeth had decided not to murder Duncan, 'We will proceed no further in this business'; (Macbeth, Act I, scene vii). However, Lady Macbeth was determined to continue with her original plan. She repeatedly insulted Macbeth's manhood, provoking him to continue with the plans to murder Duncan, 'When you durst do it, then you were a man; and to be more than what you were, you would be so much more the man'; (Lady Macbeth, Act I, scene vii). She appealed to Macbeth's 'vaulting ambition'; so as to intensify the effect that the Witches' prophecies had on him, 'Great Glamis! Worthy Cawdor! Greater than both, by the all-hail hereafter'; (Lady Macbeth, Act I, scene v). She convinced Macbeth that the rewards of the murder would far outweigh the drawbacks and clear their conscience, 'A little water clears us of this deed'; (Lady Macbeth, Act I, scen e ii). Although Macbeth dearly loved his king, Lady Macbeth yielded such a persuasive power over him that he was convinced the Witches' prophecies of Duncan's murder and the resulting kingship were his rightful fate. The three Witches deceived Macbeth by proclaiming ambiguous prophecies, which led him to believe that he would be a powerful and loved king. The second apparition, 'Be bloody, bold, and resolute; laugh to scorn The power of man, for none of woman born shall harm Macbeth'; (a bloody child, Act IV, scene i) led him to believe that he would never be harmed, as nobody alive can be 'none of woman born';. Macbeth failed to realise that the apparition was referring to Macduff, who was born by caesarean. The third apparition, 'Macbeth shall never vanquished be until Great Birnam Wood to High Dunsinane hill shall come against him'; (a child crowned with a tree in his hands, Act IV, scene i) also fooled Macbeth into believing that he would not be harmed as king.

Problems of Human Services Clients Essay

In this paper, I will be describing the range of problems facing human services clients and how the specific helping skills that can be used with clients. There are many problems a human services faces with a client. The needs can range from helping clients with issues such as, substance abuse, mental or physical illness, grief, disabilities, caring for children and families, domestic violence, Veterans, and a personal loss. Also, a human services clients can have a large range of family problems that can lead into more difficult problems. (Woodside & McClam, (2011). A human service worker must gain clients trust to help a client get the best possible help they need. For instance, some predictable problems are due to a rapid change in society such as loss of jobs, homeless of families with disabilities. However, we all need to work together as a team so that we can provide help with their daily needs. In addition, when human service professional is working with a child they must identify if the home is a safe place to live. Also, a human service must ensure that a child have its basic needs to survive. They can also work with the parents by helping them with family planning such as birth control for each individual. Moreover, a human service professional can also help with parenting classes for their parents. Some countries cultures are different. However, there are several ways a human service can guide parents how to fill out an application for food stamp assistance so that the family will have a meal to eat every day. Another problem a client may face is to find good childcare for their child. For instance, a client may have job, but can’t afford a daycare for their children due to low pay wages. (Woodside & McClam, (2011). Human services help clients that need assistance with low income housing. There are some people facing problems with domestic violence in their home. However, most situations can be dangerous and physical violent causing someone to get hurt or bodily injury causing a death. Moreover, children living in a violent environment can be in danger for their lives. Therefore, a child can be taken from their home by human services because the child is no longer safe. Human service helper must take the necessary measures to finding a foster or an adoptive parent for their client children’s. The primary categories of problems that affect a client of human services are gather together into social-cultural barriers. Moreover, there are a huge figures that affect clients whom need services under this group. There are many problems in some cultures, a women can’t accept family planning services from a human service provider because the woman can’t make that decision. They would have to get permission from their husbands. Communication is the key to understand one another by sending messages to each other. We use communication to get to know the client perspective of the situation. (pg. 201). A human service provider pay close attention of the client by focusing on the verbal and nonverbal messages from a client. Communication is a very important factor in helping with a client. According to Woodside & McClam, (2011). Furthermore, communicating with one another can make the problem solving process of a client flow smoother. Woodside & McClam, 2011 report that communication involves sending a message to another person with the conscious intent of affecting the receiver’s behavior. (pg. 201). In figure 7. 2 (pg.  201) shows the method when a person is receiving the message and if he understands the sender message correctly this is an effective communication. A message can be verbal or nonverbal. For instance, a client can walk into a human service office, the helper say to him verbally,† Hello, how are doing today? † A verbal communication is when words come out of a person mouth. The client didn’t speak to the human service provider, he just shrug his shoulders and nodded his head forward. The behavior of the client was non-verbal because he didn’t show any reaction. The well-educated skillful helper interpret the sender’s message by the client behavior. (Woodside & McClam, 2011). (OKUN & Kantrowitz, 2008). Reported the professional worker is able to hear what the client was saying by the way he reacted. Moreover, a person may smile and give out a handshake, this a non-verbal behavior. Non-verbal behaviors consist of a client’s posture, tone of voice, gestures, eye contact, and touch. For example, when we first go out on a date, we want to impress the other person by smiling, talking in a soft low voice. Furthermore, good eye contact is better whenever, we are communicating with each other. Therefore, we must make a good impression when we first meet a person. Next step in helping skills that can be utilized with a client is listening and responding. (pg. 204). Listening and responding according to Woodside and McClam, (2011). Researched that the way we listen and respond to person is very important in the helping skills process because a human service provider can build a trusting relationship with their client. Moreover, a person must hear what the other person is saying by sending a message verbally or non-verbally. Some people think they are good listeners, but most people aren’t. (See Table 7. 3). (Woodside & McClam, (2011). There are healthy behaviors in communication such as, verbal behaviors. Verbal behaviors are mirroring a person feelings, clarifying, showing a sense of humor, providing information that a client needs, explaining helper roles, sharing information about oneself, being non-judgmental, asking questions, making the right use of gestures and touching. Nonverbal behaviors are making eye contact, listening to a person, smiling, nodding head one’s head, leaning forward, maintain a relaxed posture, facing the client, displaying facial expression, being punctual, and maintaining a moderate rate of speech. (pg. 204). In addition, we must focus on the client by utilizing these helping skills to help provide the necessary help a client may need. In the text book, (pg. 205). There is a certain kind of listening a human service engage in is called responsive listening or active listening. There are two ways of responsive listening or active listening that is presented by Egan (2010, pp. 134-135) he offered that there are many things that a helper can do to talk to a person that they are paying close attention. (Woodside & McClam, (2011). In conclusion, Egan (20) researched that there are five behaviors that a human service professional can follow to let their clients know they are listening. First, s means face the client, O means adopt an open posture, L means lean toward the other person, E means maintain good eye contact, and R means try to be relatively relaxed. Furthermore, these are acronym SOLER. Moreover, remembering these acronym can show a person that the helper is listening. Attending behavior is another way a helper can let the client know that they are pay attention and listening. In this paper, I have discussed some ranges of problems facing human service clients and specific helping skills that can be used with clients.