Marketing Story

Terrible notoriety and criticism jog some accomplished visitor from different organizations may influence In the limit of enrolling of the potential visitor quality: * Unique, disliked, point of view sort of visit particularly In Vietnam Is a rural nation which is new and new to the outsiders. This visit is not normal for some different visits, It give the visitors some reasonable perspectives and have new Interesting encounters which they can have never been about the neighborhood people groups life. New administrations, exercises held up, for example, life by participating in some rural exercises, cooking conventional nourishments, visiting the carat town and doing charityñ›_ Tourists can likewise taste, appreciate and bring the items they made as gifts. Which are significantly more essential and astounding than typical blessings. Shortcoming: * New Corcoran, low notoriety, little scope because of Limited capital As another comer, the organization hasn't got a lot of notoriety s o It's difficult to draw in numerous visitors, The constrained capital asked the organization to adjust cautiously expenditures.At first, the size of the visit may not large, the Limited number of a gathering Is around 1 †10 individuals to get encounters, fix the issues and complete the visit plan. * Place: a long way from focal region The natural visit requires a very huge characteristic territories, which can gives the vacationers to just the space for the exercises yet additionally the best and most unwinding delusion_ The area is in the controls of Hanoi, a long way from the urban region where has progressively present day offices: emergency clinic, shopping center, entertainment center†¦. The visit may sets aside much effort to go among visitor goals. The separation between the spot to the goal, for example, the close by make town may set aside more effort to show up. * Inquire speculation on giving offices: The visit Corcoran can be along with the host giving or rede signing the office to the houses so as to bring to the visitor he most advantageous day to day environment. It's up to the agreement between different sides: The host or the organization pays for the cost. This can cost the organization a lot.Upturning: plans and exercises as per the area culture. Numerous spots have a few focal points to build up this kind of visit is in the Red waterway delta, Mekong stream delta, the focal of Vietnam†¦ * Attract visitors for new administrations, new projects in the visit: recording recordings, messing around, volunteer exercises, visiting make towns and procuring how to make the conventional item, trekking, biking, riding around to appreciate the scenes, having a visit around the city†¦ Threatens: * Facility condition This is one of the most required in the tour.Tourists need to be given essential offices to meet their fundamental needs, to engage, to communicate,†¦ The purifies, comfort, equivalence, privacy,†¦ Are the standa rd components. The supplier/have need to ensure that the office is consistently prepared to serve the visitor in the best condition. Be that as it may, the organization can't generally control this thing, it relies upon how he have work. * The host's disposition and activity straightforwardly impact in the quality and visitors' discernment and satisfaction.Local individuals is a significant component in choosing the visit is achievement or not. They live, speak with the voyagers so they influence straightforwardly on the visit quality. On the off chance that the host has a positive and energetic disposition, attempt to show and help the visitors, this could prompt a decent outcome and make the visitor fulfilled. Conversely, if the visitor is presented with an awful mentality by the host, this can impact to the organization's notoriety, which is in no way, shape or form goodñ› particularly for another organization. Terrible notoriety and input from some accomplished visitors from different organizations may influence in the limit of enrolling of expected sightseers. These days, individuals regularly give more consideration and read surveys about the spot/administration/item they are eager to burn through cash on. On the off chance that there are organizations which likewise work this kind of visit and haves some negative remarks on it, this may prompt the result is that some others vacationers would prefer not to utilize the administration, and change the arrangement.

Null hypothesis. Marketing Essay

Appraisal movement 1 1. When leading examination for the benefit of your association or for a customer association, in what manner will you decide the most proper information sources to utilize? For this situation the most appropriate information source will be a work area investigate in light of the fact that this data will have just been assembled, broke down and covered by different organizations. It implies that you won't sit around and cash doing what others before you have done. 2. Why are cross checks and cross references vital? To guarantee the data is right. Evaluation action 2 1. What apparatuses would you use to gather and group information and for what reason would you use them? 2. For what reason should your work area examine incorporate the assortment and investigation of information comparative with the organisation’s present and past execution? Assortment and examination of information comparative with the organisation’s present and past execution is essential to choose what we are searching for and the inquiries we are attempting to reply. Along these lines our necessities can be met. Appraisal movement 3 Portray and clarify the announcing designs that may be required to follow while submitting work area explore results. Evaluation action 4 1. What is the distinction among working and invalid theory? A working speculation is a hypothesis that we can use in our pondering potential outcomes. Such theories permit us to foresee and afterward search for results. Invalid speculation remains in direct difference to its Alternative theory. In the event that we recommend that activity A will cause result B, we have a testable theory, called the other option. 2. How do these theory help to center the exploration? It help to manage the improvement of an examination venture and help you in deciding the heading you have to take and the inquiries to which you need answers. Appraisal device 2 1. What is work area inquire about? Clarify the means in question Work area inquire about is recognizable proof and investigation of data which has just been accumulated and distributed in some structure. The essentials of a decent work area inquire about include: †realizing where to look and what to search for †Understanding the nature of the source material †guaranteeing you get the correct data. Center to any work area inquire about is getting a rundown of sources. On the off chance that you do know the branch of knowledge or the key bouncing off focuses, you are probably going to know precisely where to look right away. This is the place experienced specialists have points of interest, as normally, they have a wide information on sources realize where to look and what to look like. 2. What are quantitative and subjective information? Clarify the distinctions and their utilization in statistical surveying. Quantitative information is whatever can be included while subjective information manages choices, perspectives and conduct and gives duty as to â€Å"why and how†. Quantitative data permits investigation of the quality of a pattern. It is utilized to address addresses, for example, ‘who, what, where and when’. Subjective data comprises of unmistakable proclamations about occasions that have occurred. It remembers feelings or remarks by clients for an item or a help gave, likely arrangements or even dreams of what an association right become. 3. Portray the methods you would use to recognize potential research respondents. 4. For what reason is it essential to guarantee that rooms and offices for overview initiates are decidedly ready? Portray how you would lead an information gathering meeting. 5. Analyze and talk about 2 programming applications reasonable for entering information. Appraisal apparatus 3 Statistical surveying Statistical surveying is an amazing asset, which can be used to more readily comprehend a company’s client base †permitting these organizations to advance their promotions, anticipate showcase patterns and guide their general dynamic. Exceptionally on account of coffeehouses world. This report covers numerous and free coffeehouses. Coffeehouses are characterized as outlets where espresso represents a sizeable (for the most part at any rate around 40%) some portion of deals with a serious limited, basically bundled, food offer and modest quantities assuming any, free liquor. For certain nations this will in this manner incorporate outlets, for example, doughnut shops and bars. Market esteem depends on use incorporating deals charge in these outlets; showcase volume depends on quantities of outlets. A Snapshot report is intended to give moment fundamental statistical surveying. Each report gives a review of the characterized advertise, including market size, showcase estimate, division, organization piece of the overall industry alongside top-line financial information. The information is provided in both graphical and plain organization for simplicity of translation and investigation. There is a blend of essential and auxiliary information sources. What's more each market contains a selective multi year showcase size estimate. What’s more, our group of global research experts are consistently close by to give further help where required. It’s a degree of administration you won’t find anyplace else. Optional Research Every optional datum sets in both nearby and worldwide dialects are gotten from a scope of sources, from government insights to exchange magazines. Also, solid associations with various organizations. . Normally an expert utilize at least 3 to 4 information focuses for each table, examining various parts of the market. Full straightforwardness of source information is accommodated every single optional source. Moreover, we have to look for composed authorization from the first source which is cited for each situation, fortifying the respectability and strong nature of the information. Essential Research †Trade Interviews When optional research has been depleted, the language expert scientist will at that point approve the data gathered however semi-organized phone interviews. Approval through phone interviews is basic. We expect to get affirmation from National Trade Associations, Statistic Offices, and significant players of each cited advertise. Conjecture Methodology The essential model which the GMN conjecture was based on is known as the ISDE model, which is a system dependent on four principle ideas, specifically: ï‚ · Interface ï‚ · Supply ï‚ · Demand ï‚ · Environment These four ideas can each influence the variance of business sectors. To start with, all the fundamental parameters are recognized that influence the market/business which is to be estimated. When distinguished the parameter is coordinated to and grouped with the ISDE model. Interface These are factors which influence markets or ventures. Fundamentally they respect to conditions and factors in the change stage between the gracefully and request. Supply The aggregate sum of products and enterprises that are accessible to buy. Demand Desire, capacity or need by people or organizations to buy merchandise or administrations. Environment The condition incorporates all variables outside to the market or industry, which somehow, impact them. Every component of the ISDE model is influenced by various parameters. In view of their comprehension of the area being referred to, the expert chooses the parameter viewed as the most pertinent. For reasons of congruity, unwavering quality and money, the scope of parameters at the analyst’s removal is limited to eight parameters. These are refreshed on a month to month premise: ï‚ · Real horticulture ï‚ · Real industry ï‚ · Real assembling ï‚ · Real administrations ï‚ · Population ï‚ · Private Consumption The examination philosophy utilized by MSI has been dependent upon various methods to ensure the quality and the dependability of the data contained inside the reports. In-house specialists are utilized full-time and get a sixmonths preparing period to get and actualize MSI’s inquire about procedure. MSI’s approach can be separated into five chief stages: †¢ Stage 1: auxiliary research The consultancy groups work intimately with exchange affiliations, magazines, and government bodies working in the inquired about field. Further research is likewise done from data accessible inside from our in-house documentation administration and remotely from the Internet. The last is completed by our groups which have the experience and the skill to proficiently and beneficially extricate data from existing sources. †¢ Stage 2: essential research: interviews with exchange sources The consultancy group continues to attempt a progression of phone or up close and personal meetings, with a delegate determination of organizations working in the picked business. Each endeavor is made to converse with driving players in the segment just as littler organizations. Meetings are along these lines completed with makers, wholesalers, merchants, providers, installers and end-clients. Surely, a portion of our investigations include in excess of a hundred meetings. The information assembled from interviews is deliberately checked and contrasted and the optional research. †¢ Stage 3: investigation of the assembled information The data assembled during the two past stages is then investigated and integrated. A second arrangement of meetings should be possible if important to check and approve the information during this unequivocal stage. †¢ Stage 4: quantitative information MSI reports give quantitative information, for example, advertise gauges and conjectures, to quantify the examined showcase. This information depends on the evaluations got during stage 3. The quantitative information contained in the reports depends on the consultancy teams’ gratefulness and examination of the market and is therefore special to MSI. †¢ Stage 5: quality control Each report is the subject of a thorough checking and altering process by an accomplished supervisory crew.

The Epidemic of AIDS in the African-American Community :: Health Medical HIV Diseases Essays

In the mid 1980's, numerous gay men were found to experience the ill effects of Kaposi's sarcoma, a disease as a rule related with older men of Mediterranean ethnicity. In the long run the gay men squandered away and kicked the bucket. Word started to spread all through the gay network that gay men were biting the dust of an in any case uncommon malignant growth. The clinical network started to allude to this disorder by the expression Gay Cancer. As clinical researchers examined, they found that the condition included different appearances, for example, Pneumocystis carinii pneumonia (PCP). An uncommon type of pneumonia brought about by protozoa, its name was changed to Lattice, or Gay Related Immune Deficiency. The impact that the shame of homosexuality had on the overall population's recognition and treatment of the ailment can't be ignored. Inside the clinical network, it immediately became evident that the infection was not explicit to gay men (as blood transfusion patients, heroin clients, hetero ladies and infants became added to the rundown of harassed), and the renamed the condition (Acquired Immune Deficiency Syndrome) in misguided judgment holds that the sickness was presented by a gay male airline steward, named Gaetan Dugas, alluded to as Quiet Zero. In any case, resulting research has uncovered that there were instances of AIDS a lot sooner than at first known. It has additionally been conjectured that a progression of vaccinations against hepatitis that were acted in the gay network of San Francisco were corrupted with HIV. There is a high connection between's beneficiaries of that immunization and introductory instances of AIDS, however this obviously has never been demonstrated to be precise. Since the turn of the century, the general soundness of all Americans has improved considerably. In spite of the fact that progresses in clinical and logical innovation have improved the wellbeing status of the American individuals, there is a developing concern and acknowledgment that African-Americans have not profited similarly from the products of science. While these realities are not new news, it is obvious that the greater part of people in general and established researchers are not completely mindful of the full effect of these issues. There are government organizations that mean to give wellbeing administrations to minorities: the Office of Minority Health (which looks to create wellbeing arrangements helpful to minorities) and the National Center on Minority Health and Health Disparities (which tries to advance minority wellbeing and dispose of wellbeing inconsistencies). On June 23, 2004 President George W. Shrubbery talked at a question and answer session in Philadelphia, Pa. where he declared his most recent HIV/AIDS activity.

Paper Writing Services Reviews - Do They Exist?

Paper Writing Services Reviews - Do They Exist?Many people are trying to get to the bottom of what paper writing services reviewers are actually doing. There have been rumors going around the internet about fake reviews but are they real?Many people are saying that the reviews of services are nothing but lies and they are false for one simple reason - what about the reviewers? Many are convinced that they do not really exist because they are lying to get some kind of payment.This is just silly because many businesses in business get offers for reviews and the reviewer will not get any money if he or she does not agree to provide a positive review. It's very easy to get fooled by the ads of these companies. So, do these reviews really exist?Actually they do exist but it is also important to consider that the reviews are NOT written by the company and are just a front for their promotional purpose. As a matter of fact, it is very important to get a copy of the account and check what th ey have written about the company.So, if the company is telling you to trust the reviews then you will have to make sure that it is written by the company itself or you will end up being fooled. A good review would be written by someone who is experienced in the area of the company.Someone who has worked there before and is very familiar with what the company does. If you read the reviews then it should be obvious that the writers are trying to get some kind of favor in exchange for the valuable review.Fake reviews are some of the most common and are just a result of the fact that the reviews are being written by people who don't really know anything about the company or the service. It is therefore necessary to get a copy of the account and check what they wrote about the company.

Women During World War Two - Free Essay Example

Sample details Pages: 4 Words: 1059 Downloads: 4 Date added: 2017/09/23 Category Advertising Essay Type Argumentative essay Topics: World War 2 Essay Did you like this example? Do you agree with the view that ‘the war changed very little for women’? Before the First World War, women did not have the vote because they were not seen as contributors towards shaping the country, economically or politically. This is because they were confined, practically, to their homes, as all they could do is cook, clean and look after the children. This is when groups like the Suffragists and the Suffragettes formed. Their aim was to gain the vote. However, propaganda against them made women look useless, even more so. Therefore, not much was changing for them. During World War One, as more and more went off the fight in the western front, their availability to work in the factories and offices decreased dramatically. In addition, women did not have much to do at home, as their men were not there. As a result, they were the only option to work in the factories to produce army supplies. This was a massive turn towards achieving a better position in soc iety for women, because they got a chance to prove that they can do more than just domestic work. Women worked from 8 in the morning until 6:30 in the evening, sometimes even until 8, painting planes with dope varnish, and filling shells with gunpowder and TNT. In return, they got illnesses and diseases, and not to mention, a bare minimum pay for their efforts. This goes to show that Britain would have not carried on the war â€Å"without women† as it says in Source 8, because supplies would have decreased drastically, and men fighting would have not been properly equipped to fight. In addition, it obviously presses upon the fact that women were key to success in the war, hence making them just as valuable as men, if not even more so. For that reason, war changed a lot for women because they proved to be of equal importance to men by their efforts during the war to help the men fighting. Having said that, source 8 is a passage from Prime Minister Asquith in 1917. Theref ore, it is probable to say that he had a political agenda to get across with his speech, and this means that he could be saying positive things for women in order to gain support, to maintain his position of power. Nonetheless, this does not make the source useless because the Prime Minister would have recognised women’s contribution in the war; therefore, he may have meant what he said. As mentioned before, women were paid for their work in factories. However, as there was no regulation or law regarding a national minimum wage, factory owners exploited this loophole by giving women lower wages, than they would have to men, and their working conditions were very poor. At the time, class was a major part of character judgement, hence making it inevitable to believe that factory owners would have used the fact that â€Å"very few† women were â€Å"from the middle class† as a reason to not paying women fair wages. This suggests that war changed very little fo r women, as it also says in Source 9, â€Å"it would be wrong, however, to [over]state the extent the changes in women’s role in the labour force†. This strongly advocates that men still thought that women were inferior to them after the war, regardless their contribution to the â€Å"labour force†, therefore, meaning that very little changed for women because they men thought the same of them before and after the war. Even though class was a major issue, women continued to flourish in expanding their range of employment. Fewer women worked in the domestic service by 1918, yet their numbers in munitions, transport, and metals industries steadily rose by the end of the war. These were the kind of jobs that were included as part of â€Å"men’s work†, as it says in Source 8. With these increasing numbers, it goes to show the extent of improvement and change the war made for women because it enabled them to widen their abilities into various fields of work, thus making it easier for them to acquire better jobs. In addition, this steady rise in numbers also proved that women were just as good as men were, in terms of what they were capable to do. As a result, it is plausible to say that ‘war changed very little for women’ is a wrong statement because it clearly did as more and more women got more involved in more industries than domestic work successfully. Regardless of progress made by women by moving into different fields of work by the end of the war, a major problem rose. The problem was that men from the Western and Eastern Fronts, were returning home and they wanted their jobs back. However, as women occupied most of their jobs, there was major uproar, and as a result, factory owners decided to let go of their women employees to make way for the men. In fact, two years after the war there were â€Å"fewer women in work than before the war†, as it says in Source 7. It also states that the jobs wom en had â€Å"were hardly different from before the war†. This means that, not only women lost their post in helping make Britain and greater state; they also went, essentially, back to square one. This is because the jobs that got after the men returned were similar to those before the war- domestic work. This regression proves that war changed very little for women. In conclusion, the First World War certainly helped lift women’s profile up in British society, in terms of value and respect. However, this seems to be the case only during the war when they were required to take jobs at supply factories, where the men would have been. Even though this may seem to be a good thing, women were still being exploited by getting less pay and bad working conditions. Finally, after the war, when the men returned, they were left aside once more, because their use was no longer seen, as there was no longer a ‘War Effort’. As a result, women were seen as a subsid iary workforce on a temporary basis, which leads to state that after the war, they would be put back to square one. Thus, it is appropriate to say that war changed very little for women. Don’t waste time! Our writers will create an original "Women During World War Two" essay for you Create order

The Biggest Stressor In A Family’S Experience Is A Death.

The biggest stressor in a family’s experience is a death. Stress levels can be different if deaths are sudden or even if the death was known to be coming. Also, at different ages the stressors of a death in the family can differ greatly. The experiences of a death of a child, death of a sibling, death of a parent, and/or death of a spouse/partner all have similarities and differences. Death of a Child The death of a child in a family can have different meanings depending on the family. With the death of a child, one concludes the child as young, school age or younger. Nevertheless, an older family may lose their child, but their child is not young. Hence, most say there is nothing worse than a death of a child. Moreover, a child has just†¦show more content†¦(Wilmoth, 2009) Whereas, in the death of a child, sibling, parent, and spouse/partner each of these stressors has the same resources available to them. A few of these resources are: therapy, a support network, and even their religion. Next, the C factor in the ABC-X Model is how each family handles the stressor of death in their family. The C factor in this model is where the contrast is between these occurrences. It has always puzzled observers that some families ride out the vicissitudes of floods and disasters without apparent disorganization, whereas most families are at least temporarily paralyze d by such catastrophes. The key appears to be at the â€Å"meaning† dimension. Stressors become crises in line with the definition the family makes of the event. (Wilmoth, 2009) In society in general the death of a child, sibling, parent, and a spouse/partner hold a different meaning, one death is not equal to all. Such as, a child’s death is harder to cope with, because they were young and did not get a chance to live their life, parents are not supposed to outlive their children. Whereas, the death of a sibling is not as concerning in today’s society, there is more emphasis put on the parents of the lost life than the siblings of it. However, the death of a parent in society isShow MoreRelatedThe Treatment Plan For The Winters Family1865 Words   |  8 Pagesfamily expressing empathy using RISSSC techniques. With RISSSC, I will repeat key words and phrases the client says, use images to capture emotions that words cannot, use simple words, maintain a slow pac e, use a soft voice to encourage a deeper experience, and adopt client’s words in a validating way (Gehart, 2014). I will also identify the negative interaction cycle, and resolution strategies to resolve conflict (Gehart, 2014) In the working phase, I will work to increase emotional expression andRead MoreMental Health : A Growing Concern Within The Indian American Communities1380 Words   |  6 Pages OCD, PTSD, and major-depressive disorder (â€Å"Facts-Statistics† 2015). 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Importance of Basel III Banking Supervision

Question: Discuss about theImportance of Basel IIIfor Banking Supervision. Answer: Introduction The Third Basel Accord is the foundation of banking supervision across the globe. The accord was framed by a team of selected central bankers to provide guidelines for wise supervision of banks in the world by setting standards for the monitoring. Basel III was released in December 2010 after Basel I and Basel II had been issued earlier. The Third Basel Accord aims at enhancing the capability of the banking industry to tolerate shocks emanating from an economic and financial downturn, improve the management and control of risk, as well as reinforce the transparency and disclosures by banks. The third pillar of the Third Basel deals with market discipline. This component is intended to inspire discipline in the market by establishing a set of disclosure policies to allow the market players access vital information for sound decision making. The information concerns the scope of use, risk vulnerability, capital, risk evaluation, and control process (Ko?ffer, 2014, p. 4). This paper, th erefore, examines the importance of Basel III for the future of banking industry in Singapore with particular emphasis on credit information. Enhanced Comparability As the Monetary Authority of Singapore (MAS) implements the disclosure requirements of the Third Basel Accord, there will be better comparability among the financial institutions (Bo?Sch, 2014, p. 249). Comparability relates to the extent to which credit information is properly understood and compared among different agencies. The Basel III recommends the use of a standardized approach to ensure that the disclosures simplify comparison among banking institutions. There are qualitative and quantitative disclosure requirements. The qualitative disclosure prerequisites incorporate the names of External Credit Assessment Institutions (ECAIs) employed, the types of vulnerability for every agency, and the arrangement of the organization's alphanumerical scales having risk buckets (Ko?ffer, 2014, p. 6). On the other hand, the quantitative disclosure prerequisites stipulate the proportion of the banks portfolio in every risk bucket provided by every agency. Such disclosures are relevant sinc e they will make sure that the financial institutions in Singapore are employing recognized organizations with the appropriate expertise to offer the users with sufficient information for making correct decisions. The detailed information concerning the nonpayment history will ensure that the assessments employed by the Bank reflect its defaulting experience. Moreover, the banks will be liable for disclosing any significant changes made in ECAIs employed as well as their procedure and policy for converting public ratings on specific bond into internal debtor scores on its credits. The ultimate objective of these disclosures is to facilitate comparison among banks (Ramirez, 2016, p. 4). Enriched Market Transparency The implementation of the Third Basel recommendations in Singapore is going to improve the transparency in the banking market thus enhancing market discipline among the participants. Under this accord, the Monetary Authority of Singapore will provide the banks with the discretion of valuing the significant inputs of their respective Internal Ratings-Base (IRB) when calculating the regulatory credit on the credit portfolio. However, the market participants should be able to measure whether the discretion has been applied correctly and the choices and assumptions made must be explicitly specified by the individual banks (Cooper, et al., 2012, p. 18). Additionally, the financial organizations will be required to disclose adequate qualitative information regarding their techniques for determining the critical inputs of the Internal Ratings-Base approaches. The key inputs comprise Loss Given Default (LGD), Probability of Default (PD), and exposure at default (EAD) (Ramirez, 2016, p. 8). This information will enable the market players to ascertain the trustworthiness, integrity, and robustness of the rating procedure by the financial organizations. The banks will disclose sufficient information pertaining the quality and size of the credit portfolio in a way that permits the market to measure the credit risk. The information concerning the ex-post performance of the banks internal ratings system will also enhance transparency and accountability in the banking industry. The ex-post information is essential to the markets in assessing the past reliability and accuracy of the IRB method and its primary inputs (Hosp, 2013, p. 10). Improved Credit Risk Alleviation Methods The provisions of the Third Basel Accord are intended to ensure that the banks have better plans in place to mitigate the credit risk. For example, the Basel stipulates that the credit risk moderation procedures will be acknowledged for the purpose of regulatory capital resolutions. Banking organizations will be required to reveal correct information regarding the magnitude of risk reduction occurring and the influence on capital prerequisites to meet the requirements for regulatory recognition. This information must be separated into two general types of mitigant security or on-balance sheet netting as well as the guarantees or credit derivatives. The banks should provide information about their strategy and the process for recognizing and managing collateral as well as their approach and procedure for monitoring the ongoing creditworthiness of protection providers. Such vital information concerning credit status will be beneficial to the banking institutions and other key players in the market in ensuring the wellbeing of the sector (Motocu, 2013, p. 120). In conclusion, the Third Basel Accord is the basis of banking regulation in the world. The Third Basel Accord is intended to enhance the capacity of the banking sector to resist shocks emanating from economic and financial upheavals, progress the management and control of risk, as well as reinforce the transparency and disclosures by banks. In Singapore, the Basel III regulations are imposed on the financial institutions by the Monetary Authority of Singapore (MAS). The implementation of this accord in Singapore has significant benefits on the future of banking industry in this country. Some of the anticipated benefits include enhanced comparability, improved market transparency, and improved credit risk alleviation methods. Comparability is concerned with the extent to which credit information is properly understood and related to different organizations. The Basel III endorses the use of a standardized approach to guarantee that the disclosures streamline the comparison among banki ng establishments. Improved market transparency instills market discipline among the market through the provision of reliable information for sound decision making. Ultimately, the recommendations of the Third Basel Accord will ensure that the banks have better methods in place to mitigate the credit risk to protect the interests of the investors and depositors. References List Bo?Sch, R., 2014. Banking regulation: jurisdictional comparisons. London: Thomson Reuters. Cooper, T. P., Faseruk, A. D. Smith, J. M., 2012. A review of BASEL III - research questions and potential impacts.. GSTF Business Review (GBR), 1(3), pp. 18-23. Hosp, D., 2013. Importance of Basel III for lending alternatives to SMEs. Munich: GRIN Verlag GmbH . Ko?ffer, T., 2014. Basel III - Implications for Banks` Capital Structure: What Happens with Hybrid Capital Instruments?. s.l.:Anchor Academic Pub. Motocu, M., 2013. Redrawing banking standards with BASEL III. Knowledge Horizons.Economics, 5(3), pp. 119-122. Ramirez, J., 2016. Handbook of basel iii capital : enhancing bank capital in practice. Hoboken, N.J: Wiley.

Restrepo Movie and International relations

The Efficient Markets Hypothesis

The Efficient Markets Hypothesis The efficient markets hypothesis has historically been one of the main cornerstones of academic finance research. Proposed by the University of Chicagos Eugene Fama in the 1960s, the general concept of the efficient markets hypothesis is that financial markets are informationally efficient- in other words, that asset prices in financial markets reflect all relevant information about an asset. One implication of this hypothesis is that, since there is no persistent mispricing of assets, it is virtually impossible to consistently predict asset prices in order to beat the market- i.e. generate returns that are higher than the overall market on average without incurring more risk than the market. The intuition behind the efficient markets hypothesis is pretty straightforward- if the market price of a stock or bond was lower than what available information would suggest it should be, investors could (and would) profit (generally via arbitrage strategies) by buying the asset. This increase in demand, however, would push up the price of the asset until it was no longer underpriced. Conversely, if the market price of a stock or bond was higher than what available information would suggest it should be, investors could (and would) profit by selling the asset (either selling the asset outright or short selling an asset that they dont own). In this case, the increase in the supply of the asset would push down the price of the asset until it was no longer overpriced. In either case, the profit motive of investors in these markets would lead to correct pricing of assets and no consistent opportunities for excess profit left on the table. Technically speaking, the efficient markets hypothesis comes in three forms. The first form, known as the weak form (or weak-form efficiency), postulates that future stock prices cannot be predicted from historical information about prices and returns. In other words, the weak form of the efficient markets hypothesis suggests that asset prices follow a random walk and that any information that could be used to predict future prices is independent of past prices. The second form, known as the semi-strong form (or semi-strong efficiency), suggests that stock prices react almost immediately to any new public information about an asset. In addition, the semi-strong form of the efficient markets hypothesis claims that markets dont overreact or underreact to new information. The third form, known as the strong form (or strong-form efficiency), states that asset prices adjust almost instantaneously not only to new public information but also to new private information. Put more simply, the weak form of the efficient markets hypothesis implies that an investor cant consistently beat the market with a model that only uses historical prices and returns as inputs, the semi-strong form of the efficient markets hypothesis implies that an investor cant consistently beat the market with a model that incorporates all publicly available information, and the strong form of the efficient markets hypothesis implies that an investor cant consistently beat the market even if his model incorporates private information about an asset. One thing to keep in mind regarding the efficient markets hypothesis is that it doesnt imply that no one ever profits from adjustments in asset prices. By the logic stated above, profits go to those investors whose actions move the assets to their correct prices. Under the assumption that different investors get to the market first in each of these cases, however, no single investor is consistently able to profit from these price adjustments. (Those investors who were able to always get in on the action first would be doing so not because asset prices were predictable but because they had an informational or execution advantage, which is not really inconsistent with the concept of market efficiency.) The empirical evidence for the efficient markets hypothesis is somewhat mixed, though the strong-form hypothesis has pretty consistently been refuted. In particular, behavioral finance researchers aim to document ways in which financial markets are inefficient and situations in which asset prices are at least partially predictable. In addition, behavioral finance researchers challenge the efficient markets hypothesis on theoretical grounds by documenting both cognitive biases that drive investors behavior away from rationality and limits to arbitrage that prevent others from taking advantage of the cognitive biases (and, by doing so, keeping markets efficient).

Should the Death Penalty be legal Essay Example | Topics and Well Written Essays - 1750 words

Should the Death Penalty be legal - Essay Example Those who are against the use of capital punishment do not think that the government should be given the authority to subject any of its people to death. They also say that this practice is overtly costly, racially partial and does not realize the intended result. The vast majority of Americans consider the death penalty to be neither cruel nor unusual, quite the opposite; they think it’s a fair and just punishment. They not only accept but stridently insist that the â€Å"ultimate punishment† be sustained for several reasons which will be thoroughly covered in this paper. It will also take into account the opponents’ logic concerning why it should be ended in an effort to show an inclusive summary of the contentious death penalty debate. History of Punishment Historically speaking, the justification for punishing offenders has been to â€Å"avenge the crime, to protect society by imprisoning the criminal, to deter that person and other potential offenders from the commission of crimes and to obtain reparations from the offender† (Wolfgang, 1998). All through the history of civilization, this rational has not altered appreciably. The four fundamental reasons humanity punishes criminals can be classified by two basic motivations. One is to obtain the desired outcome which includes protecting society, deterrence and seeking compensation. The other, retribution or vengeance involves reprimanding those who have committed a crime on society. For thousands of years people have subscribed to retribution as validation for using the death penalty which can be found in the Biblical reference ‘an eye for an eye.’ In other words, aggressive actions against society must be confronted with an aggressive punishment (Olen & Barry, 1996: 268). This use of any type of punishment is humanity’s method of striking back at a person or persons who have disturbed the ethical and emotional sensibilities of a society. The ‘eye for an eye’ justification continues to be used by many people and nations today. Those who embrace this viewpoint are undoubtedly correct when they state that capital punishment assures that the offender will not be able to commit another transgression against society. The death penalty is the definitive preventative measure (Olen & Barry, 1996). Opponent Position Persons who oppose use of the death penalty think that all life no matter how despicable should be considered of value and that putting a person in prison for life without the opportunity for parole is sufficient punishment. Opponents also believe that revenge as justification is wrong and in the end more harmful to the values of society than is the crime of murder itself. Additionally, opponents think that banning the death penalty will â€Å"allow opportunities for confronting those who had been hurt most and possibly encourage remorse or reconciliation (and) suggest those that have killed be made to service the commun ity as a way of partially making amends† (Olen & Barry, 1967: 272). According to opponents the death penalty is morally and ethically objectionable in modern society. Some are against it based on religious reasons referring to morality as the primary issue; however, differing religions and the faithful within those religions have conflicting opinions. For example, Christians who live in America overwhelmingly support it while Christians in Europe tend to oppose it. Legal Interpretations The U.S. Supreme Court has maintained that use of the death

The Impact of Social Media in US Elections Research Paper

The Impact of Social Media in US Elections - Research Paper Example The 2012 US election is one of the areas of evaluation of the impact of media in the electoral process (Campaign tech panels 2012). The 2008 United States presidential campaign coincided with a period when social media were gaining fame globally. Barrack Obama extensively used Twitter and Facebook to reach voters. In 2008, President Barrack Obama’s campaign team successfully used the internet and social network solicit funds and effectively link up with campaign volunteers (Learmonth 16). Despite the fact that experts have no certainty on the extent to which social media impact the U.S election, they accept that opinion on across the social web sites influence election outcomes. The 2008 elections occurred at a time when social media was gaining fame in the society and becoming one of the most prominent aspects in communication and advertising (Metaxas & Mustafaraj, p.473). It offered a unique opportunity to evaluate the usefulness and the success of the different media platfo rms(Dylko, Beam, Landreville, & Geidner, 2012). However, for social media presence to be effective, it relies on access to the internet. According to American Life Project, the access to internet increased and by 2008 over 46% Americans were using the internet, email or text messaging to obtain news about the campaigns. Likewise, the same number shared their views and mobilized others. In specific reference to social networking, only 10% used the established social sites such as Facebook and MySpace. Compared to the 2002 elections, the 2008 elections registered an increase in social networking. While commenting on the increase, in social media use, Peter Daou, an internet advisor for Hilary Clinton states that virtually every platform including the social media was employed, in public dialogue. The social media, in both the 2008 and 2012 elections, was used to introduce stories into the public, which affected consciousness and had a direct impact on the news presented by the mass me dia organizations (Williams & Gulati, 2013 p. 64). The blogs and other social format helped set the agenda for the media and the discussion surrounding the elections. The findings of the day before elections indicate that the Obama campaign was more active in the social media than McCain. In fact on Facebook, Obama has over 2.3 million supporters against 620,359 followers for McCain. In addition, on twitter, Obama had over 100, 000 followers against a mere 4,603. Likewise, on You Tube, there were over 18 million views for Obama against two million for McCain (Gayo-Avello, 2011). The following on social media was reflected in the election results as Obama won the elections. Even on the traditional media platform, Obama enjoyed massive success with over 160,000 mentions against over 140,000 for McCain. The findings indicate that the Obama campaign used the media effectively in the 2008 elections which led to success in elections (Learmonth, 2009). The social media is useful both in fa cilitating and distributing the campaign message. It also offered a platform for engagement on the message presented. According to Learmonth (2009), the coverage of issues was similar regardless of the platform. In fact, the issues covered in the traditional media were reflected on the social media and vice versa. The finding indicates that information transfer between the traditional media and the social media

Paradise Lost Essay Example for Free

Paradise Lost Essay Paradise Lost is a poem by John Milton that is about the Fall of Man, how Adam and Eve were tempted by the serpent who is Satan, and how God sent them out of the garden. Satan makes the angels turn against God leading to his expulsion out of paradise as well. God’s mercy, the son of God and the ultimate salvation and redemption are brought out in this epic poem. The poem is a series of arguments that were an expression of the characters in the poem. On further reading the poem, one understands that these poems are an expression of what Milton holds as the truth. He employs the use of analogies are digression to explain his belief with Satan considered a hero. Puritans were the extreme Protestants who were within the Church of England who held a strong belief that the Reformation did not make enough changes in the teachings and structure of the church. Puritans therefore found it upon themselves to purify their church by doing away with whatever they regarded as Catholic influence. They are extremely strict especially with regard to morality and religious matters. Puritans hold strong convictions regarding various aspects on the Biblical teachings. First, that personal salvation was from God alone. Secondly, that the Bible is the Bible was the true guide to life. Thirdly, that the way a church lives should be in accordance with what the scriptures say and finally that the society was unified as one. This paper will explain how the poem Paradise Lost is a reflection of John Milton’s Puritan beliefs. Milton discusses topics like the reality of evil, divine providence and the unification of the human race as one. As mentioned above, these are the strong convictions of Puritans. Paradise Lost is seen to be Milton’s expression of his Puritan belief which is mainly truth and purity despite the decadence of the society. In Book V, Abdiel, who was confronted by Satan refused to rebel against God and jealously guarded his faithfulness to God. The poem begins with a civil war in heaven. Here, Lucifer was exiled out of heaven after revolting against God. Together with Beelzebub, they form an alliance. This is a reflection of the civil war that happened in England with the puritans characterized as Lucifer and England as God. The Puritans had tried to take over England the same way Lucifer tried to overthrow God. Many Puritans were killed. Milton was excommunicated from the society just like Lucifer was sent away from heaven. Conclusion  Milton argues in his poem that just as God is not to blame for the fall of man, neither was Milton to take blame for the corruption and subsequent trials that were faced in England at the time of Oliver Cromwell. That the failure of Puritanism was as a result of the people not accepting God’s will in the ruler ship of England. The conclusion of the poem is based on Milton’s belief that absolute obedience to God will lead to order and sanity in the society and the world at large. According to John Milton, Paradise Lost is a parallel to the civil wars in England and the English Reformation that led to the emergence of the Puritans.

The First World War (WWI) :: World War 1 I One

World War 1 World War 1 was called â€Å"The Great War†, â€Å"The war to end all wars†, and â€Å"The first modern war†. It had many causes and a few repercussions and I will describe them in detail. The most widely known reason for the start of World War1 was the assassination of the Arch Duke Ferdinad of Austria-Hungary in the Serbian capital of Sarajevo. The ArchDuke was there to talk to the Serbian leaders about peace in the Balkan Peninsula. After a Serbian was arrested for the assassination Austria-Hungary pulled out of the peace talks and declared war on Serbia. Germany who was allied with Austria-Hungary also declared war on Serbia. Russia who was allied with Serbia had to declare war on Germany and Austria-Hungary. When Germany invaded France and Belgium, Great Britain declared war on Germany. World War 1 had begun. As the German Chancellor, Bethmann-Hollweg said, â€Å"Once the dice are cast nothing can stop them.† Indeed once the dice were cast on World War 1 nothing stopped them until 22 million people had died. Besides the assassination of the archduke there were four other reasons for the start of WW1. 1. Militarism- the building of large armies. All the nations in Europe at that time were engaged in what today could only be called an arms race. As soon as one nation built a new weapon, all the others followed suit. 2. Alliance System- The building of alliances to strengthen the borders of a country. In theses alliances if one country went to war all the other countries in the alliance were forced to go to war also. 3. Imperialism- The practice of colonizing other lands by large European nations. 4.Nationalism- The feeling of Patriotism in a country that makes it compete with all other counties in the area in all areas. In my opinion WW1 was an unnecessary global conflict in which 22 million people needlessly lost their lives. I think that this conflict could have be prevented or stopped in 2 ways. One if the Serbian leaders had more closely guarded the car that carried Archduke Ferdinad. If the assassin had not been able to get near the car perhaps the

Obamacare: a Threat to America

President Barack Obama has been written into the history books for becoming the first African American president of the United States. The president plans on changing history again by bringing universal health care into the United States, which has won him much popularity among Democratic voters. President Obama’s speeches are adored by his fans but raise many red flags for the majority of America. Major concerns Americans have with President Obama’s two proposed health-care bills are that health-care options will no longer be available, the real cost of Obamacare, and small businesses.As many Americans believe Presidents Obama’s health-care plan is what the United States has needed for decades, considering he did get elected, his polices will prove to be a bane for the United States. The main concern for many Americans about the Obama’s Health-Care plan is the fact that they will lose the freedom to choose. Choosing health-care benefits, doctors, and high -deductable coverage is important to every insured American citizen, so why would Obama change that?In his speeches, Obama has promised Americans that they will be able to keep their existing health-care coverage but the proposed bills tell a different story. Both bills necessitate that Americans buy approved plans that have a number of universal benefits or face penalties. Even with a five year grace period given to big employers to convert to the new plans, there will be no options if the bills are passed. Choosing what benefits are included in one’s health-care plan often times saves money that could put food on the table for a struggling family.Several states have already imposed a list of required benefits for health-care plans; everyone from â€Å"chiropractors to alcohol-abuse counselors† competes to be included on lists of required benefits (Tully). This competition is one reason health-care costs continue to rise. A few of the mandated benefits of the bills in clude coverage for prescription drugs, substance-abuse services, mental-health services, as well as insuring â€Å"children† until they reach 26 years of age. Before the bills are finalized, the Department of Health and Human Services will hire â€Å"experts† to complete he list (Tully). Thus, nobody will know exactly what this standardized list of benefits will include until the bills are passed. For some Americans, choosing their doctors is very important. Whatever the reason, some people feel more comfortable around certain doctors than others. Why would Obama take away such a simple freedom? With passing of the bills, Americans will be assigned primary care physicians who then will assign patients to specialists, if needed. It is up to the â€Å"gate-keeper† which specialist the patients sees and when.Of course, the choice is to be made on which route is the most â€Å"cost-effective† (Tully). The situation only gets worse when primary care physicians deny patients care, and still get paid. Another freedom Obama’s Health-Care bills will strip from Americans is the choice of high-deductable coverage. Currently about 5 million Americans take advantage of Health Savings Accounts (HSA) offered by their employers (Tully). These work when an employee puts money into the account, requiring the employer to make an equivalent deposit.Employees use Health Savings Accounts to pay for high-deductable coverage plans which, in turn, they use to cover several-thousand dollar medical bills. With high-deductable plans, patients are to cover regular doctor visits themselves; HSAs help cover these bills as well. The proposed bills cause great concern to HSA participants for the simple fact that they will no longer be able to choose a plan with â€Å"stripped† benefits. To rub salt on an open wound, John Goodman of the National Center for Policy Analysis says, â€Å"The government could set extremely low deductibles that would elimin ate HSAs..And they could do it after the bills are passed. † Mandating minimum benefit packages will only drive up medical costs for those who now rely on HSAs to cover medical expenses, ending â€Å"consumer-driven† care (Tully). By eliminating money coming in from independent consumers instead of big insurance companies, the proposed bills will snuff out any type of market health-care now has. Another major concern for Americans about Obamacare is a topic President Obama would rather not mention: cost.According to the Congressional Budget Office, the price tag of the bill coming from the Senate Health Committee would be approximately $1 trillion spanning ten years, and that would only cover a small portion of uninsured Americans. Even worse, the Congressional Budget Office estimates another bill from the Senate Finance Committee at over $1. 6 trillion (Reich). These numbers come at the worst possible time when the United States deficit has reached an all-time high at over $14 trillion as of January (Sahadi).This begs the question, how does Obama expect to pay for these tremendous bills? The answer: Obama plans to raise taxes. Though Medicare cuts and increased taxes will pay for much of the immediate â€Å"overhaul,† according to the proposed bills, the first sign federal tax credits will not be seen until 2013. Only eligible small businesses, up to 25 employees, can receive very limited tax credits up to 35% towards employee health coverage, which Obama hopes will persuade small businesses to offer employee health-care plans (Fox News).But in reality, the cuts affects only one-third of small businesses, leaving the nearly rest of America to get insurance through their big business employer or buy it themselves (Danner). The United States is less than $300 billion away from our debt ceiling, what would another $1 trillion in debt do to our country? Experts predict â€Å"crippling† results. Even in the best case scenario, the value of U. S. bonds and currency would be destroyed. If the U. S. did default, markets around the world would see the effects (Sahadi). If the U. S. overnment is about to lose the ability to pay its own bills, why is the president trying to reform health-care knowing it will add to the already outstanding debt? Small business are another key concern for Americans as President Obama is pushing harder than ever for his proposed health bills. In his campaign Obama ensured Americans that his bills will include benefits for small business, however that is not the case. Looking closely, the proposed tax credits for small businesses will put each small business through a series of tests to decide whether it is eligible for the credit and how much they could receive.With less than one-third of small businesses fully eligible under the restrictions, President Obama’s Health-Care plan will leave Americans with few options when it comes to health-care. Even more, the president neglects to me ntion is that his tax credits for small business are only temporary, six years at the most (Danner). After the credits run out, small businesses will be forced to pay full price for employee health costs, driving up the cost of business dramatically.Businesses that cannot afford the full price tag of employee coverage and newly imposed taxes will have no choice but go out of business. Small businesses created 64% of all new jobs in the last 15 years; the idea of unemployment taking another dramatic rise caused by the closing of numerous small businesses is something the current economy of the United States cannot handle (SBA. gov). There is no doubt Americans like President Obama but when a record number of Americans lose their jobs because of his bills, what will Americans think of him then?There is no doubt President Obama is an excellent speaker but his way with words hides truths that Americans need to know. Now that these truths have leaked out to the public, Americans are conc erned about many different aspects of the president’s proposed bills. Understand, the idea of every American citizen having health insurance sounds great to everybody, but at what cost? Major concerns of American citizens are that health-care options will no longer be available, the real cost of Obamacare, and small businesses.President Obama’s promise that Americans could keep their current plans has been proven bogus, he has neglected to mention the tremendous costs of his proposed health-care bills, and these bills could irreversibly damage the American economy; is Obama the change that America was searching for? As his 2,000 page documents conceal the truths behind his proposed ideas, President Obama’s health-care plan has proven itself to be yet another bane that could very possibly be placed on top the United States’ already weighted shoulders.

Using Geographical Information Systems ( Gis ) - 2691 Words

In the literature, there is a wide use of Geographical Information Systems (GIS) for the appropriate siting of various projects from urban planning, to the more focused of locating suitable sites for renewable energy sources such as solar, wind and a hybrid of the two combined. The site suitability for these renewable technologies requires economic and environmental criteria to be met for the appropriate placement, so that the public or local authorities do not contest the renewable energy systems. Each criteria for site suitability gets turned into a map layer in the GIS, and then overlaid to see which areas are not suitable, and which areas meet the criteria, therefore being a potential location to be sited. Certain methods take this†¦show more content†¦This GIS system has also a significant amount of features and is becoming more widely spread, and Sanchez-Lozano et al (2013) states it can do just as much as paid software. Therefore from the literature it seems beneficia l to use an open source GIS system, as it is a viable option due to being easily accessible. GIS, is a software system in which data is often imported, and Janke (2010) states that potentially unrelated data can be combined into something of meaning, and Aydin, Kentel Duzgun (2013) claims that GIS with its spatial analysis capabilities can overcome site selection problems. Teguo et al (2010), states that GIS in recent years has become much more popular as a tool for the appropriate site selection of a various number of projects and disciplines. These other projects for site selection using GIS with a decision support system, is the appropriate sitting of landfill (Åžener et al, 2010), road network route planning within a city (Sadeghi-Niaraki et al, 2011), and a decision support system for planning of urban infrastructures (Coutinho-Rodrigues, Simà £o Antunes, 2011). Therefore these examples from the literature show that the use of GIS for locating suitable sites does not have to only be for renewable energy technologies, but they can be adapted for various situations. Huck, Whyatt Coulton (2014) use GIS in unique way for site suitability, by using a Public Participation GIS (PPGIS), which allows the storage and analysis of spatial