Employee Morale Proposal - Free Essay Example

Sample details Pages: 3 Words: 955 Downloads: 3 Date added: 2019/10/10 Did you like this example? Success of any business is directly dependent on employees’ hard work and dedication. Maximizing on employee motivation and well-being through a positive work environment is the sure way of retaining the needed dedication and business success. A positive work environment can be defined as a strategic policy that strives to maintain employees’ well-being through such initiatives as good remuneration, health insurance covers, free food and drinks, travel and vacation opportunities, team-building tasks, individual recognition and appraisal, friendly employer-employee relationship and career and educational advancement opportunities among others. The importance of having a positive work environment is because it’s conducive for maximum productivity and a minimum of employee complaints. A positive work environment does not necessarily mean meeting all the needs of the employees but rather creating a work space that appreciates and accommodates most of their requirements to perform maximally (Seppala Cameron, 2015). An environment that motivates employees to be part of the company and feel indebted to its success and development. Providing the simple things like free food, good rapport and good remuneration that are necessarily to each individual goes a long way in motivating employees. Don’t waste time! Our writers will create an original "Employee Morale Proposal" essay for you Create order Hostile management always results in demotivated employees and increased human resource turnover. Cut throat and high-pressure environment can in the short-run provide the needed productivity from employees but has more negative implications in the long run due to the costs incurred. For one, health expenditures of these companies is usually more than 50% greater than organizations promoting a positive work environment (Seppala Cameron, 2015). Based on American Psychological Association statistics, US used over $500 billion in health expenditure for work-related stress which also culminates to 550 million lost work days annually due to such work place stress. Moreover 60%-80% of work place accidents are attributed to stress as well as 80% of doctor visits (Seppala Cameron, 2015). Work place stress leads to loss of loyalty to the company. Stress at work accounts for over 50% voluntary turnover where employees prefer to decline promotions and make voluntary resignations (Seppala Cam eron, 2015). The company therefore, stands to lose on the costs incurred in training, recruitment, low productivity and the lost expertise or talents. It is estimated that the cost incurred on employee turnover is equivalent to 20% of that employee’s salary, according to American Center for Progress (Seppala Cameron, 2015). Free Food and Drinks Policy In my organization, one of the policy to create a positive work environment is provision of free food and drinks at work place. A busy schedule and structured routine at work place usually accompanies a full-time week of work which can take a toll on employees trying to meet tight deadlines to an extent of forgetting about eating. As a responsible company, the free food and drinks initiative plans to address such dilemma. In order to boost the employee’s morale and increase productivity exponentially, offering healthy foods and drinks at the disposal of the employees makes them more satisfied since they can replenish their energies at the comfort of their offices. As they say, the best way to a â€Å"man† is through the stomach and that is exactly what the organization is planning to do. Providing a well-stocked cafeteria with a variety of meals everyday depending on the employee’s tastes and preferences is the best way to motivate them. Nature and Advantages of the Policy The free food and drinks policy will be open to all employees at no cost. Being free is an incentive because the staff do not need to worry coughing up some cash to order for meals from outside caterers or visiting a hotel nearby. The strategy to offer meals at work place is informed by the need to save on time used in tea and lunch breaks. This will allow employees to resume work in the shortest time possible hence increasing productivity and task schedules. The policy will involve employing at least three cafeteria staff who will prepare all meals every day and serve the employees at the common cafeteria or in their offices. Every employee is at liberty of requesting for an office delivery if they don’t want to visit the cafeteria for self-service. Employees thus feel more appreciated and valued (Baldoni, 2013). The policy will include breakfast, lunch and evening snacks. The policy will also involve a free snack dispenser where staff can pick snacks, energy drinks and carbonated beverages at their preferred time. All these meals will accommodate a balanced diet including carbohydrates, fats, proteins, vegetables, vitamins and fruits which ensures healthy feeding habits. Another main advantage of a common cafeteria is allowing interaction of employees (Baldoni, 2013). Many a times, employees are fragmented in their different departments and never interact. Promoting such interaction ensures harmonious coexistence, team work and professionalism. Disadvantages The policy will increase company expenses on operational costs. To maintain the cafeteria, buy ingredients and snacks and recruit cafeteria staff will cost the company a substantial amount of money which could otherwise be regarded as profits. The long-run benefits are however higher than the incurred costs because a motivated and healthy workforce will be more productive, loyal and satisfied. The profits will be on an increasing trend and cover for the food expenses. Conclusion A positive work environment is important in motivating and retaining employees in a company. One of the ways to provide a positive environment is through provision of free foods and drinks at workplace. The advantages of this policy are saving on employees expenses on food, saving time, promoting employee interaction and motivating employees to healthy, productive and loyal to the company. The pitfalls of the policy are the incurred costs of maintaining the cafeteria and kitchen staff. Overall, the policy is good for the company in terms of motivated staff and increased productivity.

The Book of Acts was written to provide a history of the...

The Book of Acts was written to provide a history of the early church. Acts emphasis the importance of the day of Pentecost and being empowered to be effective witnesses for Jesus Christ. Acts sheds light on the ministry gift of the Holy Spirit, which empowers, guides, teaches, and serves as our Counselor. When reading the Book of Acts many of the readers will be enlightened and encouraged by the many miracles that were being performed during this time by the disciples Peter, John, and Paul. The Book of Acts emphasizes the importance of obedience to God’s Word and the transformation that occurs as a result of knowing Christ. There are also many references to those that rejected the truth that the disciples preached about in Jesus Christ.†¦show more content†¦People started to ask Peter and the other apostles what shall we do and Peter replied you must repent and be baptized in the name of Jesus Christ asking for forgiveness of your sins. As Peter concluded addressing the crowd with proof that Jesus is the Messiah the savior whom God promises to save Jews from the adversity, 3,000 people where then baptized into the Christian community. As each day went on the people continued to be taught and praising God with joy and amazement of the apostles; which lead many more people to being saved. After Pentecost the disciples continued to worship in the Jews temple. Peter and John going up to the temple at the hour of prayer offering the evening sacrifice. At the gate called Beautiful they found a crippled beggar. Though neither Peter nor John had any money he gave something far more valuable: healing, and with it the ability to work and earn a living. When the healed man began walking, leaping, and praising God for the first time in his life the crowd came rushing together. Again Peter quickly seized the opportunity and preached his second sermon. After stating that it was divine power, not human, that had healed the man he proceeded to bring accusatio n against the assembled Jews. He charged them with killing the Prince of Life and asking a murderer (Barabbas) to be granted to them. As in his first sermon, Peter called on the people to repent, but this time his message was cut shortShow MoreRelatedWhat Major Policy Changes Has Affected During Educational Provision? England Between 1944 And The Present Day?1694 Words   |  7 PagesReport (1967) was written was one of a liberal view of education and society. The emphasis of the Plowden Report could be encapsulated in the phrase ‘at the heart of the educational process lies the child† (Plowden 1967 p. 9). After the war in June 1941 the board of education set out a book called the green book. The ‘Green Book’ was dispersed, on a severely private basis, to carefully chosen people in 1941. These proposals made the base of some of what would become the 1944 Education Act. 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Five ripe pears and on moralit Essay Example For Students

Five ripe pears and on moralit Essay Morality is, in essence, subjugated by he who defines it. This being the case, morality (defined as right or wrong, good or evil) is malleable as long as it does not impede upon any â€Å"ipso facto virtue†(Didion).In the essay â€Å"On Morality†, by Joan Didion, this aspect ‘on morality’ is composed. This will be utilized to verify that William Saroyan’s (author of â€Å"Five Ripe Pears) guilt of an immoral action is conflicting given specified conditions. To begin, â€Å"On Morality† is an essay of a woman who travels to Death Valley on an assignment arranged by The American Scholar. â€Å"I have been trying to think, because The American Scholar asked me to, in some abstract way about ‘morality,’ a word I distrust more every day†¦.† Her task is to generate a piece of work on morality, with which she succeeds notably. She is placed in an area where morality and stories run rampant. Several reports are about; each ca rried by a beer toting chitchat. More importantly, the region that she is in gains her mind; it allows her to see issues of morality as a certain mindset. The idea she provides says, as human beings, we cannot distinguish â€Å"what is ‘good’ and what is ‘evil’†. Morality has been so distorted by television and press that the definition within the human conscience is lost. This being the case, the only way to distinguish between good or bad is: all actions are sound as long as they do not hurt another person or persons. This is similar to a widely known essay called â€Å"Utilitarianism† Morality and the Good Life by J.S. Mills with which he quotes â€Å"†¦ actions are right in the proportion as they tend to promote happiness, wrong as they tend to produce the reverse of happiness.†Consequently, Saroyan’s action of taking pears could be viewed as moral or immoral given certain circumstances. At the age of six, Saroyan was ca tegorized as a thief for taking five pears from a tree. His argument, although a spiked fence protected the pear tree, is â€Å"some branches grew beyond the fence.†This, to Saroyan, makes whatever is on the exposed branches public property. With Didion’s argument of morality, Saroyan is only guilty of immorality if his action hurt another individual/individuals. Thus, two seemingly obvious circumstances will be examined being as impartial as possible. Case one: First and foremost, the owner of the pear tree seems like an immediate victim of the taking of the fruit, although nothing is said about him/her in the essay. Being a full-grown pear tree, â€Å"I couldn’t reach the pears, so I started leaping† (aspect of a large tree: having to leap to reach its branches) it seems clear that there are several other pears on the tree. As a result, the owner most likely would not be at loss for 5 measly pears. Verdict: Not guilty. Case two: Saroyan as a child can be viewed as a victim. By this analysis he is a victim of 1) unmerited guilt of an act 2) and an undeserved licking. You may ask yourself does this make him guilty. With Didion’s view on morality (as long as no one is hurt the action it is acceptable) this makes Saroyan guilty of an immoral feat. Although Saroyan was reared several times in school, â€Å"†¦I got a lot of them lickings in grammar school.† he was impartial to it. Yet, this time he felt he was not guilty and didn’t deserve the beating, making him wrongly handled. This proves that Saroyan himself was a victim of distress, being put in a hurtful situation of whipping (if he knowingly recognized that repercussion of his action before doing acting). Verdict: Guilty as charged. .ua2089eb0bff919b70ee2e7f9c9ca5946 , .ua2089eb0bff919b70ee2e7f9c9ca5946 .postImageUrl , .ua2089eb0bff919b70ee2e7f9c9ca5946 .centered-text-area { min-height: 80px; position: relative; } .ua2089eb0bff919b70ee2e7f9c9ca5946 , .ua2089eb0bff919b70ee2e7f9c9ca5946:hover , .ua2089eb0bff919b70ee2e7f9c9ca5946:visited , .ua2089eb0bff919b70ee2e7f9c9ca5946:active { border:0!important; } .ua2089eb0bff919b70ee2e7f9c9ca5946 .clearfix:after { content: ""; display: table; clear: both; } .ua2089eb0bff919b70ee2e7f9c9ca5946 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .ua2089eb0bff919b70ee2e7f9c9ca5946:active , .ua2089eb0bff919b70ee2e7f9c9ca5946:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .ua2089eb0bff919b70ee2e7f9c9ca5946 .centered-text-area { width: 100%; position: relative ; } .ua2089eb0bff919b70ee2e7f9c9ca5946 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .ua2089eb0bff919b70ee2e7f9c9ca5946 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .ua2089eb0bff919b70ee2e7f9c9ca5946 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .ua2089eb0bff919b70ee2e7f9c9ca5946:hover .ctaButton { background-color: #34495E!important; } .ua2089eb0bff919b70ee2e7f9c9ca5946 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .ua2089eb0bff919b70ee2e7f9c9ca5946 .ua2089eb0bff919b70ee2e7f9c9ca5946-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .ua2089eb0bff919b70ee2e7f9c9ca5946:after { content: ""; display: block; clear: both; } READ: Modern Education: Changing For The Future Analysis EssayIn a few words, Didion’s morality makes Saroyan guilty because of the pain he endured because of his taking of the five ripe pears. Whether or not he stole the pears (and deserved the beating) is a substandard to whether or not someone was hurt by stealing them. Given that Saroyan was hurt he is blameworthy of an immoral action.

Women In Math Essay Thesis Example For Students

Women In Math Essay Thesis Over the past 20 years the number of women in the fields of math, science and engineering have grown at astronomical rate. The number of women which hold positions in these fields has more than doubled. In post secondary education women are filling up the lecture halls and labs where in the past where it was rare to see a woman at all. If a woman was able withstand the pressure that was put on her it was more than likely that she wouldnt even be hired. Many organizations have been established to help young women to prosue carriers in either math, science and engineering. A few examples of these organizations re, AWM (Association for Women in Mathematics), WISE (Women In Sience and Engineering), ASEM (Advocates for Women in Science, Engineering and Mathematics) and many others. Many young women do not prosue carriers in math for one or more key reasons. One is that they have no female role models to look up to or any famous females in that field to inspire them. We will write a custom essay on Women In Math Thesis specifically for you for only $16.38 $13.9/page Order now Another is that they are often disgouraged by others, usually family members, Why dont you be like your mother and stay home and raise the children. is a common line used. This is most likely because the parents dont want to see their daughter go out and fall flat on her ace when she doesnt make it. There is little support from others if a woman wants to go into these fields. Equal opportunities is also a large factor in this, either as a decision maker wether to go into the field or not or cold hard facts. Facts like 90 percent of engineering, math and science position are held by men, this means that they dont hire very many women. Another reason is that the maybe lacking the self-esteem within their self. This could be because of the scary numbers that are related to women and math, science and engineering positions. Or that they could be struggling in that rea. Another factor could be that they fear that hiring opportunities are very sexist and male shovenistic. Measures have been taken to help ensure that women have a equal if not better chance to prosue a career in math, science or engineering. Special funds, programs and organizations have been setup to ecourage and assists women to go after the field they wish to work in. With these steps taken it helps to get the ball rolling so that women can be pioneers and break into the math, science and engineering fields and hopefully become role models or heros for future generations.

Beowulf vs Ulysses Essays

Beowulf vs Ulysses Essays Beowulf vs Ulysses Essay Beowulf vs Ulysses Essay Contrast: Ulysses and Beowulf When an individual envisions epic poetry, you cant help but think of dragons, heroes and huge battles. In the two epic poems Ulysses by Lord Tennyson and Beowulf translated by Burton Raffle, you find the two major heroes who are very intelligent above all other heroic attributes. Throughout each epic, you find the hero using the combination of strength, intelligence and unbreakable courage. The heroes are natural born leaders, that others around them cannot help but be mesmerisms by. A major connected between the two epics was the definition of dervish is evident. Through the Journeys of the main characters, Beowulf and Ulysses are each portrayed as heroes in the poems as they lead their men on great adventures. While both display many characteristics of heroes and leaders, Beowulf first act of leadership in the poem is when he offers to fight Greened unarmed. This is an example of leadership because he is standing up above everyone else, when all the other men are scared to. While all the other men are fearful and worried about Greened attacking, Beowulf is able to stay fearlessly as he awaited the arrival of Greened. From Ulysses poem it is evident he was a true leader, captaining ships and winning many battles in the Trojan War. Beowulf was also a very prideful individual, for example in his fight against Grenade. He was trying to seem heroic fighting without a weapon. You can also see this as an example of Beowulf enormous about of pride; he wants the glory from killing Grenade and that glory would be given if he killed him without a weapon. But Beowulf only longed for fame leaped back Lento battle. He tossed his sword aside, Angry; the steel-edged blade lay where Theyd dropped it. If weapons were useless hed use Shes hands, the strength in is fingers. So fame comes to the men who mean to win it and care about nothing else! (Line 605-608) In the quote it is so present that Beowulf only seeks fame, and glory of defeating Greened.

Free Essays on Racism In Huckleberry Finn

Racism in Huckleberry Finn In Huckleberry Finn and throughout his works, Mark Twain explores the culture of racism. In today’s society the ideals of racism have greatly evolved. Slavery is now abolished and even a word like â€Å"nigger† is now considered vulgar. During the era of Huck and Tom, most of the children considered slavery to be normal and the use of the word â€Å"nigger† was not uncommon or even though of as inappropriate. â€Å"Huckleberry Finn was written during the reconstruction after the civil war, and a year after the passing of the Civil Rights Act which assured equality of treatment for whites and blacks† (Beaver 37). Hostile critics stirred up the possibility that Huckleberry Finn could in fact corrupt morals, upright citizens then banned it from libraries and school rooms. Many modern critics in contrast to those of the early 20th century, praise the novel for its brilliance and new way of expression. â€Å"Huckleberry Finn is the closest thing we have to an national epic† (Faidman 362). â€Å"Twain, at least in Huckleberry Finn, reveals himself to be one of those writers of whom there are a great many in any literature who have discovered a new way of writing, valid not only for themselves, but for others. I should place him, in the respect, even with Dryden and Swift, as one of those rare writers who have brought their language up to date and in doing so, â€Å"purified the dialect of the tribe.† In this respect, I should place him above Hawthorne† (Blair 6). â€Å"Huckleberry Finn is our Chaucer, our Homer, our Dante, our Virgil. It is the source of the stream, the seed-bed, the book which, read or unread, has influenced a thousand American writers† (Faidman 362). Overall, the most important thing to understand is that Mark Twain is illustrating his valuable ideas without pushing them upon the reader directly. Though the novel was banned from libraries and not admitted in school reading lists, critics soon ... Free Essays on Racism In Huckleberry Finn Free Essays on Racism In Huckleberry Finn Racism in Huckleberry Finn In Huckleberry Finn and throughout his works, Mark Twain explores the culture of racism. In today’s society the ideals of racism have greatly evolved. Slavery is now abolished and even a word like â€Å"nigger† is now considered vulgar. During the era of Huck and Tom, most of the children considered slavery to be normal and the use of the word â€Å"nigger† was not uncommon or even though of as inappropriate. â€Å"Huckleberry Finn was written during the reconstruction after the civil war, and a year after the passing of the Civil Rights Act which assured equality of treatment for whites and blacks† (Beaver 37). Hostile critics stirred up the possibility that Huckleberry Finn could in fact corrupt morals, upright citizens then banned it from libraries and school rooms. Many modern critics in contrast to those of the early 20th century, praise the novel for its brilliance and new way of expression. â€Å"Huckleberry Finn is the closest thing we have to an national epic† (Faidman 362). â€Å"Twain, at least in Huckleberry Finn, reveals himself to be one of those writers of whom there are a great many in any literature who have discovered a new way of writing, valid not only for themselves, but for others. I should place him, in the respect, even with Dryden and Swift, as one of those rare writers who have brought their language up to date and in doing so, â€Å"purified the dialect of the tribe.† In this respect, I should place him above Hawthorne† (Blair 6). â€Å"Huckleberry Finn is our Chaucer, our Homer, our Dante, our Virgil. It is the source of the stream, the seed-bed, the book which, read or unread, has influenced a thousand American writers† (Faidman 362). Overall, the most important thing to understand is that Mark Twain is illustrating his valuable ideas without pushing them upon the reader directly. Though the novel was banned from libraries and not admitted in school reading lists, critics soon ...

The Dowry system in India Research Paper Example | Topics and Well Written Essays - 1250 words

The Dowry system in India - Research Paper Example Kautilya believed that there is absolutely no guilt for a wife to project such property regimes of hers in maintaining her son or even her daughter-in-law. One should not forget her own role in essence as well (Nazzari 1991). The dowry was a security that the girl would take with her into her new life in case of any adversity that may come. It was also a practice that would take place only among the wealthy families, but today it has seeped down to all levels in the Indian Society. The dowry system might have started as a sign of Good Blessings from the bride side, but today it has become a social evil which have taken the lives of many women all across India. The concept of dowry, somehow, evolved in to a practice in which the giving of dowry has become a compulsory act, which if not completed could mean that the girl is either not accepted or she is tortured after the wedding by her in-laws (Luthra 1999). The fear of â€Å"No Dowry, No Marriage† is too far spread in India. It was this social evil that resulted in the killing of Infant girls as soon as they were born, or having a low status as compared to the male siblings in the family. The birth of a girl became synonymous with the burden and cost of the dowry that she would be worth when her time for marriage would come. The concept of marriage however by the twenty first century became so commercialized that the grooms worth actually started to be determined by not only class and caste, but also by his qualifications and the prospect that he may have in the employment market. The highly prospect the groom is, higher is the expectation of the dowry. According to Leela Mullatti â€Å"the custom of dowry has taken the form of a market transition in all classes and castes irrespective of the level if education† (Shurmer-Smith 2000). The practice almost seems like that the bride’s family are suppose to keep the grooms family entice with the supply of the goods in the form of dowry and then

Why Study the History of Philosophy Essay Example | Topics and Well Written Essays - 1750 words

Why Study the History of Philosophy - Essay Example Philosophy is the art of rational thought that is unique from the other disciplines in that it relies on the application of logic and reason to generate knowledge. Most people’s failure to understand philosophy is related to their attitude of viewing it as a mere thought about knowledge or language. The intellectuals that discover philosophy develops the curiosity to dig deeper into the historical books to understand its beginnings. A philosopher must have the ability to reason and possess a rational faith. The knowledge of the historical perspective of philosophy proves that the modern philosophical circumstances have been crafted by changing times. It is only through understanding this interlink between the history of philosophy and the modern human life that learners can truly appreciate the discipline, otherwise, they would view the discipline as a mere art. This paper is seeks to explain the significance of the study of the history of philosophy. The discussion will be ba sed on the relation between the study of history of philosophy and modern philosophy, and the value of studying the history of philosophy. History of Philosophy Philosophy emanates from thoughts related to information gaps that do not satisfactorily explain situations. Philosophy contributes in filling these gaps through suggestion of theories meant to resolve these problems. The study of history of philosophy enables learners to understand the meaning associated with the philosophical concepts suggested by rationalists such as Spinoza, and empiricists such as Locke.1 For instance, Spinoza believed that existence is determined by a shared substance and that a free man is always honest in his deeds. Berkeley downplayed the possibility of the existence of an external world. Leibniz argued that an empty space is imaginary and all substances are mirrors of God. This helps the modern philosophers to combine the traditional concepts of philosophy with the scientific allusion of nature. Ph ilosophy is an art of expression of human faith. The discipline extends into every aspect of human life. Socrates asserts that life is not worth living without self reflection or personal examination. This implies that most people understand their life better if they know how to philosophize. However, according to John Stuart Mill, philosophy is not an ultimate path for contentment.2 Although philosophical studies have clarified problems such as the definition of truth, freedom of will and the nature of time, most of its concepts appear to ignore solutions to some problems. According to Tan, those who do not understand the historical concepts of philosophy postulates that the discipline is a mere opinion held by every individual in relation to past experiences.3 This notion makes these people assume that traditional perspective is not applicable in modern life. However, historical studies proves that historicism in philosophical studies is the benchmark for the validity of the moder n perspective. The knowledge of the historical perspective of philosophy proves that circumstances have been crafted by changing times. Just like in the modern times, various people applied different mechanisms in improving and advancing knowledge. The history of philosophy outlines these mechanisms and enable the modern people apply them in advancing their understanding of philosophy. Benefits Knowledge and Reality The study of the history of philosophy seems like an art in the early stages of learning but progresses into a discipline requiring the application of knowledge when grappling philosophical problems.4 The knowledge and reality associated with ancient philosophy encourages people to not only analyze the views of the philosophers, but also

Club It Part II Essay Example | Topics and Well Written Essays - 750 words

Club It Part II - Essay Example The process of selling advance tickets is not streamlined and Club IT is using old methods to do this while it can use modern methods such as online sales to sell the advance tickets. Resource evaluation Club IT has a number of resources that it can use to make sure that is able to take advantage of the market and be a market leader in its market. For instance, Club IT has a very big floor space that can hold a lot of customers at a time and this can be very important for Club IT as long as they are able to attract as many customers as possible to fill the available space every day. Club IT needs to come up with a way to increase its ability to manage its personnel and other important people who do the various jobs in the club such as the DJ and the band members. Customers Club IT needs to be able to manage its customers in a way that they are happy with the services that they receive. For Club IT to retain the current customers and attract even more, they will need to come up with a customer service model that suits the nature of the customers that they have. This will mean integrating technology in the way they serve the customers. Supply chain As McGreggor (2009) argues, supply chain is a very important aspect of any business. For Club IT, managing the supply chain especially for the kitchen supply is very important because it has a direct effect on how well Club IT is able to serve its customers. This is because the supplies needed by the kitchen will need to be fresh and always available to meet the special orders that the customers give. Solutions: serving the customers better Club IT should develop an online booking service that will allow the customers to book for services online. For instance, the system should allow the customers to access the menus and offer short orders before arriving at the club. This will be helpful because the customers will be able to make orders while they are still in the office or on their way there. The customers should als o be able to log in and see which band will be performing on that particular day and any other day in the near future. At the same time, the system should help the customers to be able to book their favorite tables at the club and have them reserved for them. Solution two: supply chain management Club IT should develop a system that will link its inventory to all its suppliers. This system should be able to not only monitor the inventory levels such as reorder levels, but also be able to share this information with the suppliers so that they can prepare to replenish Club IT’s inventory in time. The suppliers should be able to see Club IT’s inventory levels and dispatch more inventory once the reorder levels are reached. The system should also be able to connect Club IT’s staff to the supplier’s systems so that they can have first hand information such as when new and fresh orders have arrived at the supplier’s point. This will help Club IT to be ab le to manage its inventory in a better way and increase customer service. Solution three: selling advance tickets online The customers should also be able to pay online for all the services they book online. Club IT should come up with a way for the customers to pay online. Club IT should collaborate with a reliable online payment firm such as

Is Profit Maximization Consistent With Wealth Maximization Finance Essay

Is Profit Maximization Consistent With Wealth Maximization Finance Essay The objective of the firm is to make profits by meeting the needs of stakeholders. Generally, ceteris paribus, the objective of the firm is to maximize its ultimate value through profit maximization, while incurring the lowest costs. Basically, the ultimate objective of the firm is to acquire maximum profits and wealth for its shareholders. It is important to note that, the value of the firm is signified by the existing market prices of the corporations common stock market. In this respect, the maximization of the shareholders wealth is enhanced by the acquiring of maximum profits at the lowest level of expenditure. As it has been revealed, there exists a very strong co-relation between profit maximization and wealth maximization, where each of them forms part of the objective of the firm. In this case, the total earnings do not represent the ultimate value of the corporation but the profits accrued from the employed resources. Generally, any firm would be run towards acquirement of high profits which represent its actual wealth for its shareholders (Westerfield 23-75). Firms exist to meet the needs of stakeholders and to provide an efficient way of producing in a non-price environment. Firms exist to meet the needs of the populace in an efficient and a sustainable manner. 2. Is profit maximization consistent with wealth maximization? Why or why not? Profit maximization is not consistent with wealth maximization. It has some drawbacks and cannot be used for effective evaluation on the performance of the firm. On the other hand, wealth maximization, which is also known as the net present worth of a firm can be used to evaluate the performance of the firm. Wealth maximization is seen as more comprehensive and superior than profit maximization. Profit maximization deals with minimizing short term profits and is not forward-looking. Again, the profit maximization objective does not factor in time value of money considerations. Therefore wealth maximization is superior because it is a long term objective and considers the time value of money by discounting cash flows to the present time. Additionally, wealth maximization considers uncertainty by discounting at the required rate of return and considering the other stakeholders of the firm. Profit Maximization Wealth Maximization It is not clear on when the profit is counted as profit whether this should be before or after tax. Another uncertainty involves the long-term or short-term profit. Short term profit can be foregone by avoiding some expenditure but in the long run, these expenditures have to be paid for. Therefore long term profit has to be considered, and not short term profit. Wealth maximization shows the present value of benefits minus the cost of the investment. Profit maximization does not factor in risk. Different projects have different degrees of risk of future earnings. A project with fluctuating earnings is not the same as one with certainty earnings. By not looking at the risk factor of projects, profit maximization cannot be used for the operational objective of the firm. Risk is considered in wealth maximization as the discounted rate used to determine the present value of future cash flows factors in the risk. Lastly, profit maximization does not factor in the time value of money. A dollar spent today is not equivalent to the same dollar spent tomorrow. Cash drawn from a project in different years is considered the same, which is not realistic. Wealth maximization considers the time value of money as the cash drawn from a project in different years are not the same. The discounted rate that determines the present value of future cash flows shows both risk and time. 3. Describe the three main decisions in Corporate Finance The three main decisions in Corporate Finance are: (a) Investment Decision (Allocation) There are two key questions that are looked into when a firm wants to make an investment. What is a good investment? The firm looks at the various investment options in the market, for instance real estate investments or stocks investments. The risk involved and the returns to be gained. Where will the firms resources be invested? Here, it is important that the firm does not put all their resources into one basket. For instance, the firm may decide to invest a certain percentage of their resources in either stocks or real estate. Further, the pattern and the level of investment would be determined in which each investment plan is evaluated on the risks involved together with its ultimate returns expected. It is important to note that, the pattern of investment would still be an important factor to consider since each individual plan of investment would be accompanied with its benefits and risks. (b) Financing Decision Primarily, the financial decision considers where the firm would raise the funds for these investments. Will the firm use the shareholders/owners funds or borrow from the bank? The mix of equity and debt is what is considered in the financing decision. When, where and how to acquire the money to meet the firms needs. In this case, the finance managers ought to decide on the financing strategy of the firm, in which the evaluation of various sources of finance to cater for the running of firms activities would be made. Basically, each source of capital would be evaluated with the level of interests to be paid for the amount of money acquired. Capital Structure Modigliani y Miller (1958) how much should a firm borrow? (c) Dividend Decision The dividend decision is concerned with how much of the firm profits should be given to the shareholders, and how much of it should be reinvested. A dividend policy should be determined. the dividends decision would be made in order to determine the amount of the profits to be ploughed back into the firm depending on the amount of profits made (Westerfield 23-75). Dividend policy Modigliani y Miller (1961) another irrelevance proposition Another finance decision worth mentioning is the liquidity decision, whereby a firm looks at how to manage working capital and its components. 4. What is a hurdle rate? Why is it important? Also known as the cut off rate, the hurdle rate is the minimum expected return a firm will consider in accepting investment decisions. If a firms proposal own internal rate of return, r, is greater than the minimum rate of return, k, then it is acceptable. The r is internal to the project while the k (hurdle rate) is external to the project. The hurdle rate is used to make a decision based on the Internal Rate of Return (IRR) method which takes into account the cash flows occurring at different times and adjusts them according to the time value of money. The hurdle rate is very important as it enhances the planning of the investment patterns and levels since the firm establishes investment patterns which would the highest possible minimum returns. Basically, hurdle rate determines on how to acquire investment capitals as those capital sources with very high interest rates would not be economical to choose. The hurdle rate represents the internal rate of return of any investment since the finance manager would be in a position to decide on various allocation within the firm, on the basis of the hurdle rate set in the firm. 5. What are the main components of a discount rate? The discount rate is the rate at which money values are discounted at various times, within an investment period. Discount rates are comprised of three main components which include the interest rate of money, level of inflation and risk premiums involved. More specifically, the interests rates at which money capital is allocated comprises of the discount rates in any projected investment project. Specifically, the interest rate of money is the return got from delaying consumption. More so, the level of inflation in the country determines the value of money. This is because the level of inflation determines the purchasing power of money, which represents the ultimate value of money. Lastly, risks involved in the investment venture are another important component of the discount rate. Generally, highly risky business ventures would always have high discount rates. In this respect therefore, it would be very important for the finance manager to determine the discount rates to be used i n the calculation of the cash-flows in the business venture (Westerfield 23-75). 6. Define the Efficient Market Hypothesis Efficient market hypothesis is an investment assumption that postulates that, financial markets are efficient in providing information about the market returns from any form of investment. More specifically, in efficient market hypothesis, investors are controlled by the existing market conditions in terms of the financial stability or conditions of the money market. It is important to note that, inflation level and economic conditions of the country determines a lot on the efficiency of the financial information given by the market in terms of money interests and capital returns. In this regard, investors need to evaluate their investment ventures on the basis of the existing conditions or the information got from the financial markets which are considered to be the accurate in providing financial information (Higgins 12-43). 7. Describe the three forms of efficiency The 3 forms of efficiency are the strong-form efficiency, semi-strong efficiency and weak-form efficiency. In the form weak-form efficiency, all the information in the past stock-price fluctuations is totally shown in the present prices. This means that, the information provided is to compare the current price levels with the past prices. The semi-strong form involves the reflection of all publicly available data about the current prices in the market. In this form, there is some information that is withheld among the investors but most of the information is availed to the general public. On the other hand, the strong-form of efficiency in the market reflects all relevant information in the money market, whether withheld or publicly available. Here, the investors have the opportunity to explore in-depth all the trends of the money market in order to make reliable information about their investment (Westerfield 23-75). 8. What is the difference between Technical Analysis and Fundamental Analysis? Technical Analysis Fundamental Analysis Technical analysis is an appraisal strategy in the money market that looks at the price movements in the market in order to establish their security levels for investors to decide on how to choose their investment plans. Fundamental analysis on the other hand refers to the economic factors facing the money market in which each of the statement is presented in financial statements as opposed to technical analysis which uses using charts. Technical analysts usually use information found in charts and graphs to determine the financial worth of the company. Generally, fundamental analysis determines the ultimate value of the company by examining its financial statements like balance sheets and income statements among others. technical analysts use shorter periods of time in their determination of the worth of the company Fundamental analysis involves a log period of time in which the financial worth of the business ought to be devised using subsequent fiscal periods but not one period Information derived from (Higgins 12-43) 9. Do you believe markets are efficient? I believe that markets are not as efficient as economists reveal that they are. The major reason is because various market conditions are controlled by external factors which they have no control over them. In this respect, it would be difficult to determine the efficiency of the market or to predict the conditions of the market on considerations that, these external factors are also controlled by other forces. For instance, markets are often controlled by inflation rates and interest rates which are factors beyond the control of the market itself. On this consideration, it would be very important for any investor to note the unpredictability of the markets in order to make appropriate investments. There is no perfect information in the market. It is on this basis therefore that I believe that markets are not efficient at all (Westerfield 23-75). 10. Efficient Market Hypothesis Which of the following statements are true if the efficient market hypothesis holds? a. It implies that future events can be forecast with perfect accuracy. b. It implies that prices reflect all available information. c. It implies that security prices change for no discernible reason. d. It implies that prices do not fluctuate. If efficient market hypothesis holds, the future events can be forecasted with ease. This is because, all the information concerning stocks in the stock market would be well presented in a more accurate way, to reflect on the subsequent trends expected in the future in the market. In this respect therefore, if the efficient market hypothesis holds, it would enhance easiness in predicting any future trends of investment as the information in the market would be quite reliable. More so, if this hypothesis holds, the information provided would be reflecting all the prices that would be available in the market. This is because; every price presented in the market information would greatly imply a predictive nature of the prices in the future markets. Generally, if the efficient market hypothesis holds, then the above two statements would be true (Higgins 12-43).

Kashmir Must Gain the Right of Self-determination Essay -- Argumentati

Kashmir Must Gain the Right of Self-Determination The protracted conflict in Kashmir has continually undermined efforts to restore peace and stability to the Indian subcontinent. This South Asian crisis must be resolved so that 'India and Pakistan can devote their resources and energies to the pressing task of advancing the welfare of their people' as espoused by the Simla Accord of 1972. The Simla Accord is the document that states both countries agreed to find peaceful solutions for the promotion of a friendly and harmonious relationship that will restore peace to the subcontinent. The Simla Accord of 1972, however, has not been effectively implemented as the wave of human rights violations committed by both sides has demonstrated over the last decade. Why should Kashmir be granted their right of self-determination? First, the instrument of accession is illegitimate. Second, to stop the atrocities committed by both India and Pakistan that have prevented peaceful relations in South Asia. The need for India to recognize the illegitimacy of the instrument of accession is the starting point toward bilateral and conciliatory discussions between India and Pakistan. This will create an environment in which both countries can work toward establishing an independent Kashmir, the key to peaceful coexistence. Since India is crucial to the initiation of this process, an examination of the instrument of accession signed by the Maharaja Hari Singh and the Indian government on 26 October 1947 immediately follows. India must recognize the underlying weaknesses and the illegitimacy of the instrument of accession. The underlying weaknesses of the signing of the instrument of accession are clear and incontestable. First, the Maharaja l... ...ilitarize and restore peace and security to the Indian subcontinent as already agreed upon in the Simla Accord of 1972, and eventually both sides must work together to decentralize control of Kashmir and allow for the emergence of an independent and sovereign Kashmir. A sovereign Kashmir, free of outside interests and influences, will sustain and maintain ‘peaceful and harmonious’ relations on the Indian subcontinent. Works Cited: Potter, Pitman B. "The Principal Legal and Political Problems Involved in the Kashmir Case." American Journal of International Law, vol. 44, no.2, 1950. Rahman, Mushtaqur. Divided Kashmir: Old Problems, New Opportunities for India, Pakistan, and the Kashmiri People. Lynne Rienner Publishers. Boulder, 1996. Thomas, Raju G.C. et al. Perspectives on Kashmir: The Roots of Conflict in South Asia. Westview Press. Boulder, 1992.

Bosnian Refugee Life in America Essay

Thousands of refugees from Bosnia-Herzegovina have fled to the United States to seek protection from the ethnoreligious conflicts of the region. To best assist these families, service providers must understand their wartime and migration experiences and their culture. The purpose of this article is to review the literature relevant to working with Bosnian Muslim refugees as well as to understand the uruque issues facing this population. The authors’ interest in Bosnian Muslim refugees is a personal one. Between 1992 and 2001, nearly 3,500 Bosnian refugees escaping ethnic cleansing and war migrated to Bowling Green, a small city of 50,000 in rural southcentral Kentucky. The Bowling Green International Center has been a part of the local community since 1979 and actively works with the United States Committee for Refugees and Immigrants (USCRI). For more than 25 years, the center has assisted thousands of refugees of many nationalities in their migration to the United States and the local community. According to the center’s director, Marty Deputy, Bosnians make up the largest percentage of refugees that have relocated to Bowling Green (personal communication, February 3, 2005). Deputy also indicated that while Bosnian refugees have adapted well to the local community, they still face many challenges because of their experiences in Bosnia in addition to their integration into a new culture. One of the issues that continue to haunt many Bosnian refugees is post-traumatic stress—a result of war and genocide. Post-traumatic stress is particularly an issue for the adult women, who experienced the trauma of rape and sexual assault as well as witnessing the murder of their children and spouses. According to Deputy (personal communication, February 3, 2005), social workers should approach Bosnian families and children with cultural competence. If visiting a Bosnian home, for example, removing one’s shoes when entering is a display of respect and sensitivity. A willingness to drink a strong cup of Bosnian coffee is also appreciated. Social workers also must be sensitive about body language and speech tone. It is also important not to assume that all Bosnians are alike. As with all cultures, there is tremendous variation in the Bosnian culture, along with individual differences in personality and environmental experiences. Bosnian Muslim Experiences in the War The 1991 census for Bosnia-Herzegovina shows that Muslims made up 43. 7% of the total population of 4. 3 million people. Serbs accounted for 31. 3% and Croats 17. 3% (Bringa, 1995). Serbs identified the Muslims’ majority population base in Bosnia-Herzegovina as its strategic strength (Cigar, 1995). In 1992, therefore, the Serbs declared war and began a campaign of ethnic cleansing to eradicate non-Serbs. The term â€Å"ethnic cleansing† stands for the policy of ridding an area of an undesirable national group to create a homogenous region; it represents a type of genocide that is designed to spread terror (Friedman, 1996; Weine & Laub, 1995). Serbia’s initial rationale for its policy was promulgated by the belief that the newly formed state of Bosnia-Herzegovina would create national minorities of the Serb population and eventually destroy the Serb populace as a discrete and unique nation (Friedman, 1996). The prospect of acquiring material goods from the Muslims—land, livestock, houses, cars, and cash—apparently was an additional powerful incentive for many Serbs (Cigar, 1995; Sells, 1998). The indigenous Bosnian Serb population was drawn into a terror campaign of killing and mayhem so the non-Serbian populations would never return. This persecution ultimately led to more than one million Balkan refugees migrating to the United States and other countries. The types of experiences they endured in their homeland before emigrating dramatically influenced their initial adaptation to these new environments. Resettlement and Adaptation Issues As difficult as the war-related experiences were, migration to resettlement countries signaled a transition to new types of struggles for Bosnian refugees. Unlike immigrants who leave their homes for a variety of reasons, refugees leave in order to survive, and they face a new realm of stressors as they attempt to rebuild their lives in exile (Keyes, 2000; Worthington, 2001). Such stressors include difficult transit experiences; culture shock; adjustment problems related to language and occupational change; and disruption in their sense of self, family, and community (Lipson, 1993; Worthington, 2001). Additionally, refugees leaving Bosnia-Herzegovina often have suffered multiple losses, such as severance from family and friends who have been left behind or killed, displacement from their homes and communities, social isolation, and the premature death of their children. Such an accumulation of loss can leave a sense of unresolved grief that can significantly impact mental health and future functioning capacity (Akhtar, 1992; Fullilove, 1996; Sundquist & Johansson, 1996; Worthington, 2001). When refugees cross national boundaries seeking asylum, they typically find themselves in an alien social environment with norms that challenge their traditional patterns of family interaction (Mayadas & Segal, 2000). Most Bosnian refugees have a hierarchical familial power structure and clear role definitions; in the homeland, authority was typically gender-based, with males maintaining instrumental roles and females fulfilling nurturing responsibilities. A traditional Bosnian woman’s commitment to her family includes observing strict codes of privacy and public silence on any issue that might bring shame on the family, such as family discord. For many women, this privacy mandate deters them from divulging details about marital strife or child maltreatment by spouses to outsiders such as work colleagues, community members, and mental health professionals. Consequently, Bosnian female refugees continue to be caught between traditional role models prevalent throughout the former Yugoslavia’s patriarchal society in the 20th Century and the expectations of their new culture. The Bosnian family’s patriarchal patterns of behavior tend to be challenged on arrival in the United States, particularly around work-related issues. Women are more likely than men to find jobs in the low-wage labor market, and in becoming the breadwinners exposed to the outside world, they risk upsetting a family equilibrium based on male authority (Mayadas & Segal, 2000). For Bosnian men, key ethnic and social boundary markers of their lives had evaporated; because of their grief over this, many seemed paralyzed in their attempt to move forward in their new life. Bosnian refugee children also face immense acculturation pressures (Mayadas & Segal, 2000). They often are torn between the beliefs, customs, and values learned in their native culture and the often unrealistic expectations of the new one. The pressure to assimilate the cultural norms of their new country can be intense and extremely stressful. Their parents often lack the material resources and support systems to adequately assist them in navigating the complex terrain of foreign school systems, pervasive racism, and intolerance (Mayadas & Segal, 2000). Consequently, many feel as if they are alone in a foreign, sometimes unforgiving new cultural milieu. To further complicate the situation, family roles often reverse as children typically become more fluent in English faster and adapt more quickly to the customs of the new country (Potocky, 1996). Because children are thrust into the role of serving as the interpreters and negotiators of cultural norms for their parents, respect for the authority of elders is often undermined (Carlin, 1990; Drachman; 1992). Even though most teenagers in the United States feel a certain amount of intergenerational tension, the adolescents of refugees often experience the pull of two vastly different worlds: those of their American peers and their parents (Mayadas & Segal, 2000). They also feel subjected to the xenophobia of their American peers, who often ridicule others who they label as â€Å"different. † Immigration to the United States has provided Bosnian Muslim refugee families with many challenges as they struggle to adapt to their new lives. At first glance, their experiences may be similar to that of other immigrants, raising the familiar questions about how to perpetuate the faith of their forebears among their offspring or how to best preserve cherished cultural practices (Yazbeck- Haddad & Esposito, 2000). But there are some real differences. With the attacks on the World Trade Center in New York City and the Pentagon in Washington, DC, the potential for a xenophobic reception of Muslim immigrants and refugees by Americans has intensified. For example, disputes over the building of mosques represent a key source of friction for most Westerners (Pipes & Duran, 1993). While Bosnian Muslim families may encounter the same issues earlier generations of immigrants faced, they also are burdened with the question of whether their children will be accepted in the United States, and whether Islam can ever be recognized as a positive force that contributes to a pluralistic, multicultural nation (Yazbeck-Haddad & Esposito, 2000). Culturally Competent Practice with Bosnian Muslims When working with Bosnian Muslim refugees, service providers need to learn as much as possible about their culture, particularly given the pivotal role that ethnoreligious identity has played in their war-related experiences (Witmer & Culver, 2001). Bosnian men and women tend to adhere to traditional gender roles; connected with this issue is the intense stigma attached to the sexual violation of women. This stigma frequently led women to refrain from disclosing war rapes to their families (Witmer & Culver, 2001). Bosnian Muslims typically act in ways that preserve the positive image of the family’s identity, especially males, who see openly revealing vulnerability or suffering as a sign of great personal weakness (Weine et al. , 1997). Family is the most important social structure across the urban and rural regions of Bosnia (Mojica-Castillo, 2001). Up until the 1970s, adult children commonly lived with their parents and multiple generations lived in the same house. But today, twoparent families predominate in this region with extended family members often living nearby. A cluster of shoes can typically be found outside a Bosnian home (Mojica-Castillo, 2001). This is because it is customary to remove street shoes and leave them at the door. Bosnians maintain a strong social tradition of neighborliness. The drinking of strong coffee or the sharing of food, accompanied by the essential element of lively conversation, is an important aspect of social life. Traditional music and folk dances are an important part of cultural celebrations. A basic principle of generalist social work is that practitioners need to be able to intervene on behalf of various systems, including individuals, families, orgaruzations, and communities. Additionally, the generalist social worker operates within an ecological framework that attempts to improve coping patterns for a better match between the client system’s needs and the characteristics of his or her environment. An empowerment approach to generalist practice assumes that clients can draw from existing competencies and reservoirs of strength. Empowerment indicates the intent and the processes of assisting client systems to discover and expand the tools and resources around them (Furuto, 2004). Swift and Levin (1987) referred to empowerment as an evolution from dependence to independence and interdependence. Gutierrez (1990) described empowerment as â€Å"the process of increasing personal, interpersonal, or political power so that individuals can take action to improve their life situations† (p. 140). The strengths perspective enhances the concept of empowerment with its focus on promoting healing. Healing implies both wholeness and the inborn ability of the mind and body to resist and regenerate when faced with disruption, disorder, or disease (Furuto, 2004). Ethnic and religious identity may lead to discrimination when the refugee is seeking a job that requires intervention on a more personal level. Long-term difficulty in finding a job that provides the family with adequate income may cause low self-esteem and family tension culminating in violence (Furuto & Murase, 1992). Various system levels often must be addressed simultaneously (Mayadas & Segal, 2000). Western thinking on designing comprehensive mental health services is mostly based on the individual as the primary system targeted for intervention; hence, existing services tend to be designed for a North American population (Mooren & Kleber, 1999). Furthermore, treatment of mental health disorders typically follows a medical model using talk therapy and drugs. Western theories also emphasize intrapersonal processes in isolation from the cultural context. The prevailing view that the responses to trauma are individual centered is in keeping with this tradition. Service providers must use the refugees’ own, indigenous cultural definitions of health and illness when making mental health assessments (Boothby, 1996; Wing Sue, Ivey, & Pedersen, 1996). For example, a Bosnian client who had the Western diag nosis of major depression and post-traumatic stress disorder â€Å"refused medication saying that there was nothing wrong with him that medications could fix, and insisted that the clinician understand that his current condition was a result of the wrongs that had been done to him, and not because of anything that was wrong with him† (Weine & Laub, 1995, p. 255). To address the issue of respecting the client’s definition of the issue, Yuen (1999) promoted a more holistic biopsychosocial model of intervention when working with Bosnian children and their families; hence, the importance of using an ethnically sensitive ecological framework becomes a second principle of culturally competent practice. A third principle is to respect the indigenous strengths and resources within Bosnians that empower them to cope with their own experiences. Chow & Yuen (2000) noted the necessity for an empowerment and capacity building model where refugees become partners in the design and elivery of services within their community. Efforts to design and deliver human service programs should include using indigenous Bosnian religious and cultural organizations, as well as self-help groups (Chow & Yuen, 2000). Conclusion After Bosnians flee their homeland, they need protection in the asylum country. This necessitates supportive policies and macrolevel intervention competence. The main policy that guides refugee resettlement in the United States is Public Law 96-212, the Refugee Act of 1980 (Mayadas & Segal, 2000). Based on the goal of helping refugees achieve economic self-sufficiency as quickly as possible, the act defines self-sufficiency as not receiving welfare benefits (Potocky, 1996). As such, this policy may be ineffective in helping refugees to settle in an optimal manner. To become truly self-sufficient, service providers need to redefine success in more progressive ways, such as helping refugees to effectively deal with resettlement issues relating to acculturation, psychological trauma, and intergenerational conflict—all of which can impede long-term economic self-sufficiency. This new goal requires adequate fiscal resources to develop programs and engage in active community outreach (Mayadas & Segal, 2000). Social services must aspire to restore the psychological health and dignity of these families and children, who have seen the worst side of human nature. Helping them establish a positive self-image is critical to their success. While the genocide of family members and violent acts can never be forgotten, surrounding Bosnian Muslim refugees with a network of positive, supportive services can help them establish a solid foothold in the United States.

US FEDALISM essays

US FEDALISM essays The political affairs of the world in eighteenth century left much to be desired by todays modern democratic standards. Most dramatic regime changes following a revolution or war are quite easy to explain. France in 1789 was seething with discontent at a corrupt and insensitive monarchy. Russia in 1917 was long overdue for a revolution to sweep away on archaic, semi-feudal order. And the numerous colonial wars of independence in the post-1945 period were predictable, given the rapid political and economic changes which World War II and its aftermath had precipitated. The American fails to fit any of these neat stereotypes, however. The principal aims that the Founding Fathers of the Constitution had been to guarantee the sovereignty of the people, to maintain a maximum of liberty for the citizens. To have popular representation without an unbridled majority rule. The sources of inspiration of the Founding Fathers were to a high extent John Locke, Thomas Paine and Montesqieu. To achieve the four main aims: The social contract, democracy and separation of power, federalism. In order to judge the success of the constitution to fulfil the aims of the Founding Fathers, one should look at the changes that have occurred and how the American system looks today. During the eighteenth century the idea that men possessed certain inalienable rights spread rapidly under the influence of the social contract theorists (Locke, Rousseau) and pamphleteers (Thomas Paine), and became particularly popular in a colonial America infused with a spirit of liberty and independence. The men of the American Constitution of 1787 were as much inspired by English philosopher John Locke. Locke had agreed that between the citizens and the government power an agreement had been made. This agreement meant that in exchange for less freedom, a government had appeared to promote life, liberty and property. Life, liberty and property were rights that governmen...

Insurance Analysis in Kenya Essays

Insurance Analysis in Kenya Essays Insurance Analysis in Kenya Essay Insurance Analysis in Kenya Essay Introduction Insurance in Kenya is known to have been in existence for over sixty years now with the first insurance companies believed to have been owned by British insurers during the colonial times. The industry is governed by the Insurance Act and regulated by the Insurance Regulatory Authority. The Insurance Regulatory Authority (IRA) was created by the Insurance (Amendment) Act of 2006 and came into operation on 1st May 2007. The Authority was established with the mandate of regulating, supervising and developing the insurance industry. Before the establishment of IRA, these functions were performed by the Department of Insurance in the Ministry of Finance. (IRA 2010) As per AKI Insurance Industry Report for the year 2009, there were 44 licensed insurance companies, majority offering non-life insurance business only, nine of them life insurance business while fifteen were composite (both life and non life). There were 137 licensed insurance brokers, 21 medical insurance providers (MIP’s) and 3,076 insurance agents. Other licensed players included 106 investigators, 57 motor assessors, 18 loss adjusters, 2 claims settling agents, 5 risk managers and 26 insurance surveyors. The industry’s contribution to the country’s GDP is still low although there has been notable growth for the last seven years. The gross written premium by the industry was Kshs 64. 47 billion compared to Kshs 55. 19 billion in 2008, representing a growth of 16. 8 %. The gross written premium in non-life insurance was Kshs 43. 11 billion (2008: Kshs 36. 89 billion) while that from life insurance business was Kshs 21. 36 billion (2008: Kshs 18. 30). Non-life insurance premium grew by 16. 8 % while life insurance premium and contributions from deposit administration business grew by 16. %. The combined industry profit after taxation increased by 14. 4% to Kshs. 4. 29 billion compared to Kshs 3. 85 billion in 2008. In 2009 the industry paid Kshs. 20 billion for claims for general insurance business and as benefits to life policy holders. (AKI 2009) Penetration of insurance in the year 2009 was 2. 84% compared to 2. 63% in 2008. Life insurance recorded a penetration ratio o f 0. 94% (2008:0. 87%) while that of non-life insurance was 1. 90% (2008:1. 76%). Only half a million Kenyans, about 1% of the total population are said to have take up life insurance. Up to 80% of Kenyans have no insurance cover due to widespread poverty and a false belief that insurance covers are mainly for the rich. However, based on the recent industry statistics, there is an emerging trend that Kenyans are indeed sensitive to the need for protection against an uncertain risky future. According to Swiss Re (World Insurance Report2009), South Africa is the leading African country in the insurance industry, accounting for 90% of the total volume, followed by Morocco then Egypt. Growth in non life insurance business in Africa was sluggish at 0. 4%. The report pointed out that Africa produced only 1. 4% of the global premium volume in 2009. South Africa’s life insurance premium fell by 16%, premium Growth in Morocco remained flat at 0. 1%, while in Egypt premiums shrank by 5%. There are currently five major players in the insurance industry in Kenya. These include The Co-Operative Insurance Company of Kenya Ltd. (CIC), UAP Financial Services Ltd, APA, Jubil ee Insurance and Resolution Health East Africa. Majority of these insurers operate nationally with a few operating regionally. Some international insurers have entered the Kenyan market through mergers with already existing players. Two of the leading companies were formed through a merger between two existing insurance companies, for instance, APA was formed after a merger between Apollo and Pan-Africa General divisions. Others form partnerships with small insurance companies to cover non-traditional policies like political violence. Solutions need to be developed to address new risks. Insurers have finally recognized the growing needs of the Kenyan people. Agricultural insurance is one of the new policies designed for farmers located in the different parts of the country to shield them from financial loss caused by unfavourable weather conditions. The Cover is provided for livestock, specific crops and poultry losses. Payment of premiums is quick and easy for the farmers, premium payments are done through a specially designed mobile application and in the event of a loss, and farmers are paid through the same method. Medical insurance is divided into three segments, one health cover operated by employers, the second individual cover and the third coverage operated by the government targeting low income earners through the National Health Insurance Fund (NHIF). Health insurers have raised concern about clients who view cover value as expensive as opposed to the benefits. That’s why insurers are coming up with affordable schemes. Medical e-cards that users top up, similar to prepaid airtime scratch cards, any member of the family can use the e-card as long it has money. Due to poor health infrastructure in the country, rural hospitals have inadequate facilities and are understaffed, thereby making people to travel to major city for treatment; this has also contributed to the rise in health insurance cost. Many insurers have shied away from HIVAIDs insurance because of the risks involved. Travel cover is currently being offered by only two insurers, one of them has partnered with Kenya’s main airline company to provide a package that covers loss of luggage, flight delays, cancellation, medical emergency and personal liability. The premium cost is based on traveller’s destination and length of stay. Claims are made online or when the client returns from their trip. The cover can be acquired when buying a ticket or through travel agents. Higher learning has become very expensive both for local and overseas universities, forcing parents to borrow heavily from banks to pay university fees. Education policy is definitely necessary for most parents who want their kids to get good education. The industry is definitely on the growth stage and most insurers are strengthening their market share by positioning themselves as affordable insurance providers offering new products for the untapped regions such as younger and older people. Industry analysis PESTE Political Economic Social Technological Political Factors The political violence experienced in 2007 resulted in major losses for businesses and individuals mainly because current insurance companies were not offering cover for such risks. The unrest has made insurers quickly come up policies to cover these risks. Motor insurance is reported to have doubled in the last six months; the government through the Insurance Regulatory Board has increased the premiums in a move to counter fraud and fake claims known to have forced over ten motor insurance companies to shutdown due to losses incurred through claims. Economic Factors High tax imposed on life and health insurance has made policies to be expensive and affordable to a small percentage of the population. The insurance industry is pushing for tax deductible premiums paid on life and health insurance to be tax deductible from chargeable income up to 30 percent of the gross income. Income Tax Act Cap 470, Section 19(5) and (6) Poverty and unemployment are still the biggest challenges facing the industry. With no source of income for many youth and women, the last thing that this demographic prioritize is insurance. This makes it very hard for the growth and development of the insurance companies because of the low number of clients which represents the few employed people who in turn can be able to pay for the insurance policies provided by the insurance companies. This situation is further compounded by the rise of HIV and AIDS which adversely affects the working class that forms a critical target group for insurance services. The rising levels of poverty and high cost of living has reduced disposable income hence relegating insurance matters to the back burner. This is as a result of people first meeting their basic needs first before considering other expenses, which include insurance policies. Perhaps the government can relax some of the strict regulations present for private investors to encourage investment both locally and internationally. This may increase the number of the insurance companies in the country allowing more space for competition thus in the long run lowering the costs of insurance policies to the advantage of the consumers. High inflation rates has increased operation costs , raised the cost of living and therefore, made it difficult for the citizens to be able to afford insurance policies due to the current turbulent economic conditions that has led to an increase in policy prices. Fraud / Corruption largely affect the development of the insurance sector in Kenya. It has undermined the economic development of the country by generating considerable distortions and inefficiency. This makes the companies to constantly perform poorly and thus calls for the introduction of anti money laundering which helps to curb the vice. Social Factors In order to boost penetration of insurance in Kenya, vigorous awareness campaigns should be used to educate people on the importance of insurance. Policy covers should be packaged with the end-user in mind, for example selling agricultural insurance cover to non-farmers is useless. Product development should be flexible to allow the ever changing needs of the dynamic insurance industry. oIncrease in lifestyle diseases – oIlliteracy levels spread Insurance knowledge and risk management to clients looking to reduce losses, advice clients how to manage their finances and how they can help minimize risks oInadequate health facilities Cultural values – harambee culture oDemographic changes oNegative perception on insurance, bad publicity fraud, fake claims Technological Factors Mobile phone use has eased the communication between clients and the insurance companies in the sense that if any of the two parties want to contact the other, it becomes very simple. Increase use of the Internet has enabled customers to access information, submit claims and compare policies from different providers. Environment Climatic changes Emergence of informal settlements. Legal Lengthy legislation process. Corruption and fraud. Lack of structured compensation scheme. Porters 5 Competitive Forces Analysis 1. Rivalry among existing players. The insurance industry is becoming highly competitive. The difference between one insurance company and another is usually not that great. As a result, insurance has become more like a commodity an area in which the insurance company with the low cost structure, greater efficiency and better customer service will beat out competitors. Insurance companies also use higher investment returns and a variety of insurance investment products to try to lure in customers. In the long run, were likely to see more consolidation in the insurance industry. Larger companies prefer to take over or merge with other companies rather than spend the money to market and advertise to people. 2. Threat of New Entrants. Mergers and strategic partnerships are on the rise to introduce products with low premium rates. While the industry leaders have already positioned themselves there are still untapped areas such as the youth and the older generation. Government requires all insurers to maintain a solvency margin of about USD 12,476, or 5 percent of assets in excess of liabilities. This might prevent new players from entering the market because of the high margins required 3. . Availability of Substitutes. Since the existing products in the market are similar, consumers will look for an affordable product to suit their needs. Some policies have many substitutes others have few for instance motor insurance is offered by most of the insurer while health is offered by a selected few. Most large insurance companies offer similar suites of services. Wh ether it is auto, home, commercial, health or life insurance, chances are there are competitors that can offer similar services. In some areas of insurance, however, the availability of substitutes is few and far between. Companies focusing on niche areas usually have a competitive advantage, but this advantage depends entirely on the size of the niche and on whether there are any barriers preventing other firms from entering. 5. Bargaining Power of Buyers. Individuals looking for a good cover obviously have a lower bargaining power compared to corporate customers. 6. Power of Suppliers. Foreign investors are starting to have an interest in this industry. Since insurance is still growing, existing experts in the industry tend to hop from one company to another looking for better pay

The Extended Marketing Mix Assignment Example | Topics and Well Written Essays - 2000 words

The Extended Marketing Mix - Assignment Example In order for customers to recognize your product, it is required to differentiate your product to highlight it in the eyes of the customer. Differentiation can be done on any basis; depending on what is more highly rated in your potential customer. The company on since it started working in 1981 has been focused on providing the best quality for their product. Crosland employed the method of carefully manufacturing various electronic goods such as amplifiers, tuners, record disks, cassette players etc and imported speakers from a relatively smaller shop and branded them with their own name. Since it relied on quality and produced specialized electronic equipment; they differentiated their product on this basis only. They provided quality services to their customer; the price was not their competitive factor. Distribution patterns are considered extremely important in marketing because no matter how beautiful and penetrating the marketing activities are, if the product is not available to the consumers when they ask for it, they will probably move to another product and start using it. Many products have failed due to the failure of the company to address the problem of proper and timely distribution of the product in the areas where there is extensive demand. The company under consideration was not paying enough attention to the changing marketing tastes and the ever changing consumer tastes and therefore, has started suffering in profits. The company had attained their advantage by providing quality products. However, because the world is becoming fast paced and the changes that are usually taking place in the minds of the consumers have dented the demand for their products. People are asking for more innovative products which are being provided to them by other competitive companies w hich have employed just in time production methods so that they stay in complete cohesion with the demand for their different products. The methods of the competitors have made them the market leader. Therefore in order to get their strategic advantage back, they need to employ such distribution methods that the consumers get timely availability of the product as and when they demand it. The improvement in their distribution channel should be done so that they can increase their customer base by increasing the customer satisfaction and convenience. They should improve their inventory management by increasing the introducing the just in time methods of inventory management; this method leads to quality improvement. Customers get better product in time and eventually they will be attracted to use the company's products due to timely availability and quality. As the company is already competing based on their quality, a little improvement in distribution patterns might help them in inc reasing the quality of their products and services to a much greater extent. Another strategy that they are using is exclusive distribution which in a way hinders the availability of product in all the markets (Elizabeth, 1996). Therefore, this reduces the probability that the customer will come to but the product to the specific shop if considering the current situation when the competitors are providing with better products. 3. Pricing Strategies Price is one to the most important and the basic variable that marketing managers

Anaesthetic nursing Essay Example | Topics and Well Written Essays - 1500 words

Anaesthetic nursing - Essay Example A litre bag of Hartman was also started. The spinal anaesthesia was performed in the sitting position at L4/L5 with 2.4mls of bupivacaine 0.5% in hyperbaric dextrose solution of â€Å"Heavy Marcaine†. Immediately following the spinal block, the patient was put back in the supine position, and the operating table altered with left lateral tilt to diminish aorto-caval compression. About 3 minutes later the patient’s blood pressure fell to 103/56mmhg which was the first sign of the effect of spinal anaesthesia. As the medical team was waiting for the spinal to take full effect, the blood pressure further dropped to 86/51mmHg. The patient also complained of nausea and â€Å"not feeling well† and experienced progressive difficulty to breathe. The features that need to be considered are the increasing hypotension that she has suffered, the progressive difficulty in breathing and the nauseous feeling with general unease. sophisticated equipment along with the advantage of developed techniques. Operations are being performed on an ambulatory basis with advanced technologies to meet the demands of a busy environment (Tarkkila 2007). Providing anaesthesia without complications ensures a high degree of satisfaction. However the potential risk is a failure of spinal anaethesia due to incorrect needle placement unlike the other anaesthetic methods where the risk of failure is low. Haemodynamic complications are also possible. Hypotension is one such event which occurs due to the cardiovascular side effects (Tarkkila 1991). The hypotension is a normal physiological effect but it can turn into a complication if the level falls low enough to cause problems. The blood pressure at which interventions are necessary to correct the hypotension has not been decided yet. Clinical judgement by the anaesthesiologist is the method to decide the point to intervene (Tarkkila 2007). Spinal anaesthesia produces a fast, effective and high quality sensory and motor block of the

Reggio Emilia Article Example | Topics and Well Written Essays - 250 words

Reggio Emilia - Article Example Role of Teachers: Teachers' role is that of both facilitator and partner in learning which includes selecting topics based on student interests ands experiences, providing resources (notes, slides, audio or visual taping) on topics, composing small groups of friends to work on projects favoring cognitive conflicts, developing collaboration among all students to question things, emerging out project content by student's spiral understanding, extending time to a project and supporting in documentation. They share portfolios instead of checklist of skills, tests or diagnostic evaluations at end of each year. Role of Parents: Parents are an active part of their children's learning experience and they take many forms such as day-to-day interaction, work in the schools, discussions of educational and psychological issues, special events, excursions, and celebrations. Parents have the right to be involved in the life of the school. Children with special rights: Children with special rights have first priority for enrollment into the schools beginning at three months of age. If the child's neighborhood school is full, then he/she has to go to another school. They have an additional teacher with special experience and training. Children with special rights stay an extra year.

Product Market Analysis Essay Example for Free

Product Market Analysis Essay In 1873, Adolph Coors and Jacob Schueler, both German immigrants established Golden, Colorado brewery. In 1880, Coors bought out his partner and became the sole owner of Coors Brewing Company. Today Molson Coors Brewing Company is the third largest brewing company in the United States (Molson Coors, 2013). In 1990, Coors Brewing introduced Coors Rocky Mountain Spring Water. The product was short lived and was taken off the market in 1992 after only two years. There are a few problems with the marketing and advertising of this product. To remarket this product I would start with the use of various types of media communication. Television, radio, magazine, and other social media outlets would be take advantage of. Television and radio commercials will be broadcast during sporting event on the major sports networks. The focus on the sports and outdoor community will be the main target. The Coors Company did not target these markets with their product. Magazines advertisements will be added to outdoor and sporting magazines. The product will be advertised on social Medias such as Facebook and Twitter. Facebook also gives the option of paying for more advertisement. This can triple the products reach more than 1000 different views a day. The advertisement for this product was limited to television and magazines. The problem with the television is that Coors was tried to target their beer drinking customer. The times the commercials were aired were during the same times that beer commercials. The customer base that they were reaching limited the exposure. That consumer base is not interested in the Rocky Mountain Spring Water unless is has the rest of the ingredients in it. The big issue that this product has is in the name. Coors Rocky Mountain Spring Water makes you think of the alcoholic beverages that they are known for. This alone discouraged those who do not drink or those too young to drink. In 1987, the average person would consume 4.5 gallons of bottled water per year. That grew in 1997 to 12.7 gallons per person. There an no reason why with that much increase in the consumption of bottled water this product did  not take off (Natural Resource Defense Council, 2013). This product has a simple fix. First, it is important that we change the name of the product. At the least drop the Coors of the name, Rocky Mountain Spring Water. This will still bring in the loyal customers to the Coors product. Any true fan on Coors will remember that Coors is made by Rocky Mountain Spring Water. This will also disassociate the product from the alcoholic beverages. The original product was bottled in glass bottles. This could also hinder the sales of the product. The glass bottles are heavy and harder to store. Change the glass bottles into plastic bottles. This will cut down on the price of the product and make it easier to carrier. The next step would be to us media to get the product out to the public. We need to bring more advertisements to television and radio during sporting events. Advertising online can be done in many different ways. There are ways to reach online customer by e-mail or online advertisements. Facebook, Netflix, and a podcasts offer advertisements during interaction with their services. Online magazines and newspapers also offer advertisements while on the websites. Facebook has more than one billion people who us its services monthly. People spend an average of six hours and 35 minutes a month. Because of the way Facebook works it has a 94% targeting accuracy. This is highly effective when trying to reach the target market (Facebook, 2013). Internet radio is a great way to reach people. Internet radio accounts for 23% of the average weekly listening time among consumer between the ages of 13 and 35. 49% of US consumers listen to Internet radio 30 minutes prior to going into a store and the average online listener will listen almost 12 hours a week (Factbrowser, 2013). All these things I have listed will help to increase the public awareness for the product. The more the public is aware of the product, the more attention it will receive. In 2012 9.67 billion gallons of bottled water was consumed in the U.S. That was up from the 9.1 billion gallons that was consumed in 2011. Despite the efforts of some activist people are still turning to bottled water, and it is showing in the marketplace. References Facebook. (2013, Summer). The Power of Facebook Advertising. Retrieved from https://www.facebook.com/business/power-of-advertising Factbrowser. (2013, Fall). Research discovery engine. Retrieved from http://www.factbrowser.com/tags/radio/?page=2 Molson Coors. (2013, November). MolsonCoors. Retrieved from http://www.molsoncoors.com/en/Index.aspx Natural Resource Defense Council. (2013, July 15). Bottled Water. Retrieved from http://www.nrdc.org/water/drinking/bw/chap2.asp

Free Song of Solomon Essays: Milkmans Search for Self :: Song Solomon essays

Milkman's Search for Self in Song of Solomon Toni Morrison’s Song of Solomon is the story of Milkman's search for self. Milkman appears destined for a life of isolation and self-alienation. The Deads exemplify the patriarchal, nuclear family that has been a stable and critical feature of American society. The family is the institution for producing children, maintaining them, and providing individuals with the means to understand their place in the world order. But this nuclear patriarchal family creates many of the problems it should be solving. What represses the Deads is the father, Macon: his single-minded ambition, his unscrupulous greed, his materialism, and his lack of nurturing his family. Macon does not concentrate on being a loving and nurturing father; instead he concentrates on another aspect of paternity, the acquisition of property. Macon aspires to own property and other people too. His words to his son, "Let me tell you right now the one important thing that you'll ever need to know: Own things. And let the things you own own other things too. Then you'll own yourself and other people too". The owning of things as well as other people is a rather remarkable statement, coming from a descendant of slaves. Macon has not inherited this trait from his father, even though he mistakenly thinks so. His father had owned things that "grew" other things, not "owned" other things. Pilate Dead, Macon's younger sister, is a marked contrast to her brother and his family. Macon has a love of property and money, and this determines the nature of his relationships with others. Pilate has a sheer disregard for status, occupation, hygiene, and manners, and has the capability to respect, love, and trust. Her self-sufficiency and isolation prevent her from being trapped or destroyed by the decaying values that threaten her brother's life. The first part of the novel details the birth of Macon Dead III, the first black baby to ever be born at Mercy Hospital, which has been named by the African American community as No-Mercy Hospital. He acquires the name Milkman when people learn that his mother is still nursing him long after it is considered normal to do so. His father, Macon Dead, is a cold, insensitive man who places undue importance on material wealth and intimidates all he comes into contact with. Macon forbids Milkman to visit his Aunt Pilate because her eccentric ways, her unkempt appearance, and her stubborn insistence in making bootleg liquor embarrass him.