Market Segmentation - Targeting And Positioning- My Assignment Help

Develop a segmentation, targeting and positioning strategy for your firm's product. Ensurethat you discuss how you would segment the market for the product and which segmentation variables you would use; which segment(s) you would target, how and why; and what brand position you would recommend for the product to occupy; and how to target the recommended segment(s). It is imperative that you justify the recommended strategies. Market segmentation, targeting and positioning: The bread market in Australia needs to emphasize on fulfilling the demand of local regular resident in Australia. The below section will provide the details of the segmentation, targeting and positioning strategy for this bread market backed by theoretical approach: Market segmentation: Segmenting market means dividing a marketplace into distinctive grouping of buyers all the way through dissimilar requirements features as well as behaviour, which may have need of dissimilar products or marketing mixes. According to the literature related to segmentation, it is noted that there are five parameters for segmenting the market place, such as geographic variable, demographic variable, psychographic variable, behavioural variable and other aspects (Applegate and Johnsen, 2007). However, it is also true that no one single variable can be treated as the best fit for segmenting the market place. Reviewing the strategy adopted by market leaders in diversified industry, it can be said that it will be better to combine two or three variables that will support the organization to better define the target markets (Lamb, 2004). Therefore, from this point of view, it is recommended that the organization operated in the bread market in Australia, there is requiring combining the demographic variable with geographic variables. In specific, it can be said that the target market will be local residents [geographic variable] and middle and upper income category [geographic variable] groups. Target market: Targeting is all about evaluation of segmented market place. Here, the organization needs to evaluate the market segments as well as has to take a decision regarding which market place have to serve. The below figure will explore the details targeting strategy that considered all the segmented market places (Pelsmacker, Geuens and Bergh, 2004). Figure: Target market (Pelsmacker, Geuens and Bergh, 2004) Now, in this specific case before taking decision regarding what segment needs to be targeted, there is required to evaluate the market needs. The given information shows that several market operators cut the price of bread in an unconventional way. Under such circumstances, it is important to identify the appropriate market for targeting purpose. Since, the product itself clarifies that it is a daily needed product; the target market will be the known market place. In specific the switcher as well as loyal to other brand group will have to select here. In order do so, there is requiring implementing effective promotional strategy for the own products. However, it can be said that whatever, targeting strategy the organization will choose, it must be measurable, accessible, substantial, differentiable and actionable. Positioning: This the third stage of the segmenting, targeting and positioning or the STP strategy. It is noted that once the organization come across through segmenting as well as targeting strategy, it must have to decide in what position the organization will operate in the long run to occupy the targeted segmented market place. According to the literature, it can be noted that the product position is the stratagem through which the product is identified by customers on the basis of several imperative characteristics, such as the place the product lived in the consumers minds comparative to other organizations products. As identified by Semenik (2002), there are certain strategies commonly employed by the market leaders in several industry, such as product class, product attributes, benefits offered, usage occasions, users, against a competitors, and away from competitors. Below figure explored all such strategy: Figure: Positioning strategy (Semenik, 2002) Here, in case of bread market in Australia, the organization needs to select the positioning strategy, which will be best fit on given circumstances. It is the fact that cutting price will be the effective one to sustain in this market place (Wood, n.d.). Through several issues are there regarding such low pricing strategy, still the case example of Woolworths shows that it will be beneficial in the long run. So, keeping all these aspects in mind, the positing strategy will mainly emphasize on benefits offered to the consumer. However, in addition to this specified positioning strategy, the organization will also implement other promotional campaign to stay away from its competitors. Hence, to conclude this STP analysis, it can be said that the organization will target the switcher as well as loyal to other brand of the local as well as upper and middle income group of people through providing benefits. References Applegate, E. and Johnsen, A. (2007).Cases in advertising and marketing management. Lanham: Rowman Littlefield. Lamb, C. (2004).Marketing. Cape Town, S.A.: Oxford University Press. Pelsmacker, P., Geuens, M. and Bergh, J. (2004).Marketing communications. Harlow: Financial Times Prentice Hall. Semenik, R. (2002).Promotion and integrated marketing communications. Cincinnati, Ohio: South-Western Thomson Learning. Wood, M. (n.d.).The marketing plan handbook.

Consolidating Reflective Clinical Practice-Myassignmenthelp.Com

Question: Discuss About The Consolidating Reflective Clinical Practice? Answer: Introducation Mrs. Betty White is an 85 year old woman and a widow of 5 years. She has been living in a low care aged care facility since her husband died. She has a supportive family and has a sonand a daughter.Her daughter lives locallyandvisits twicea week. Her sonlives interstate with his family.Members of her church also visit her once a week.She participates in the social activities within the aged care facility in order to get over from loneliness. She is a retired office worke and does not drive She takes the help of family members and taxis to get around. Betty is an ex-smoker and gave up smoking 10 years ago.She has a medical history of Hypertension, Hypercholesterolaemia, Asthma/COPD, Osteoarthritis.She was admitted in the hospital as she was suffering from a chest infection.The doctors diagnosed that she was suffering from Left lower lobe pneumonia (Chan, 2015). When she was admitted in the hospital, she developed a fracture in the right neck of femur.Betty was taken to the Emergency Department (ED) with the help of an ambulance. She suffered from high temperature, shortness of breath and congestion in the chest.Her daughter Jane, was informed that her mother was hospitalized. She visited the Emergency Department to visit her mother.A chest x-ray and blood tests were conducted in the ED and the reports showed that Betty was suffering from pneumonia.She was advised on intravenous (IV) antibiotics, oxygen therapy and Ventolin and Normal Saline nebulisersby the clinicians in the hospital. Betty was transferred to the respiratory or a medical ward on the same day in the afternoon(Lancaster, 2015). The clinical practice issues of concern in Bettys care that her mother was not given any medicaments in the morning by the nursing staff and usual medications were not written up on her medication chart (McFarland, 2014).Jane had a talk with the nurse that her mother seemed to be a bit confused and it was not normal as her mother was normally quite alert and orientated. Betty became quite distressed and more confused and wanted to meet her doctor. Another concern during Bettys case was that her daughter was not informed about her condition becoming worse and a fellow patient in Bettys room rang the bell at 2am in order to call the staff and shouted ina loudvoice to seek help. The nurse found out that Betty was laying on the floor next to her bed.Her IV was pulled out and there was blood was all over the floor.She was moaning.It was observed by the nurses that Betty had developed a laceration on her forehead and her right leg and foot was externally rotated.The nurses also found out t hat Betty had urinated on the floor.When Jane was informed about it she was furious that proper care was not given to her mother inspite of informing the nurse that she was in a confused state(Wall Morrison, 2014). Betty was observed by the resident medical officer, who advised an urgent head CT scan and x-ray of her legs.The reports of the CT scan were normal but the x-ray showed that Betty had developed an intracapsular fracture in her right neck of femur.Betty was advised a surgery by the orthopaedic team in the morning and her hip wound edges were not healing as she had developed an infection.This shows that the surgical procedure was not successful as well(gotnes, Jacobsen, Petersen, 2016). The National Health and Safety Standardswere developed by the Commission in order to improve the quality of health care in Australia by the implementation of safety and quality systems.There are 10 NSQHS Standards in order to ensure quality care for patients and satisfaction. These are as follows: Governance for Safety and Quality in Health Service Organisations which involves the provision of quality healthcare services to the patients. 2. Partnering with Consumers which aims to develop several strategies in order to develop a health system that is consumer-centred. It also includes taking a feedback from consumers during the development and design of quality health care. Preventing and Controlling Healthcare Associated Infections which involves different types strategies in order to prevent infection in patients during the treatment in the healthcare system and.It also involves using proper methods to manage infections in an effective manner when they occur to reduce the drastic health effects(Alkon, Rose, Wolff, Aronson, 2016). Medication Safety which involves the formation of proper systems and s trategies in order to make sure that the clinicians have prescribed and administer to patients. 5. Patient Identification and Procedure Matching which involves the formation of appropriate systems and strategies for the correct identification of patients.This standard is developed to make sure that the identity of the patient matches with the correct treatment(Huber, 2013). Clinical Handover which involves the formation of appropriate systems and strategies in order to make sure that the clinical communication is done in an effective manner to provide proper patient care. Blood and Blood Products which involves the formation of appropriate systems and strategies to make sure that management of blood and blood products received by the patients safe, effective and appropriate(Moorhead, Johnson, Swanson, 2014). Preventing and managing pessure injuries which involves the formation of appropriate systems and strategies in order to prevent pressure injuries developing in patients and providing proper practice management during the occurrence of pressure injuries . Recognising and responding to clinical deterioration in acute health care which which involves the formation of appropriate systems and processes that should be implemented by health service organisations in order to respond to patients in an effective manner when their health condition gets worsened(Potter, 2014). Preventing Falls and Harm from Falls which which involves the formation of appropriate systems and strategies in order to reduce the occurrence of patients falls in health service organisations and providing proper care. It can be observed from the case study of Betty that there are a few National Health and Safety Standards that have been breached in providing her proper care.These are Standard 1, Governance for Safety and Quality in Health Service Organisations because Betty was not provided quality care in the hospital as the nurse allotted to her did not take proper care during the night in spite of knowing that she was in a confused state. She was also being admitted in a 4 bed ward that was quite far off from the nurses(Steven, Magnusson, Pearson, 2014). Her daughter was also not informed when her health worsened during the night. Another nursing standard that was breached is Preventing and Controlling Healthcare Associated Infections, because after the surgery was done she developed an infection which shows that proper strategies were not followed by the clinicians during the surgery. Standard 4,that is Medication Safety was also breached because Bretty was not prescribed any medicines by the nurse when she was admitted in the ED and her daughter had to inform the same to the nurse(Rosenthal, 2014). The two standards that could have been maintained by the healthcare staff in the delivery of care to Betty and her family during her hospitalisation are Standard 1 and Standard 4. Standard 1 is Governance for Safety and Quality in Health Service Organisationswhich involves the provision of quality health services by the health service organisations in order to implement safe practices. The clinicians would have transparent towards betty and her daughter Jane and should provided proper information about her disease. The health care professionals should would have made sure that the healthcare services are flexible, easy to access and follow. They should have recruited a dedicated and a nursing staff(Peabody, 2015). This would have led to a positive impact on the well being and the emotional health of the patient and would have taken less duration to get cured. A proper education of patients leads to improvement in the hospital journey and reduces the anxiety, stress and pain in them. Betty and her daughter should have been given proper information about the disease, its symptoms, treatment plan and preventive measures to avoid any confusion and to tackle the disease.Sometimes a lack of effective communication can result in misinterpretation by the patients as they understand it partially and it leads to adverse conditions. Betty should have been properly counseled and provided emotional support to boost her confidence and improve her self-esteem. Betty should have been motivated to ask any queries or doubts related to the disease that would have helped in improving satisfaction and confidence in her.She should have been provided regular follow-ups to keep a track on the progress made and also if there are any symptoms of ill effects(Jones, 2016). The clinician along with nurses, dieticians and other health care professionals should have provided various strategies for self-management of the disease to Betty.They should have worked in teams or in collaboration to provide proper communication to her as well to her daughter.This would have helped in enhancing her safety and must have avoid any mishappening with the patient that occured due to ineffective communication. Betty and her daughter should be provided proper instructions regarding the medicaments and other measures to be followed to prevent the side effects(Festini, 2014).There are various precautions that should have been advised to her to get cured from infection such as she should must be provided a separate toilet at home if possible or should flush the toilet every time they use them(Ball, Murrells, Rafferty, Griffiths, 2013). The caregivers at home should be provided with gloves while handling the blood, stool or urine sample of the patient. This would help her t o get rid of infection and get well soon. Standard 4 that is medication safety was also breached in the case of Bretty. It involves the documentation of correct medicines in the medication chart of the patient in order to prevent serious side effects. Documentation in nursing plays a very important role in healthcare and it is generated by electronic means in to record information about the patient who will be undergoing treatment. Documenting care can be defined as a medical electronic record that includes basic information of the patient, medicaments prescribed, illness and its treatment procedure.It also includes various other reports like Magnetic Resonance Imaging, electrocardiograms and computerized tomography.The main objective of these systems is that it helps in decision analysis and facilitates treatment.The information is recorded in clinical database and can be used as future reference and evidence(Daly Jackson, 2017). In the case of Bretty, her nurse forgot to write medications in her medication chart and she w as not given any medicines. It would have led to serious medical complications in her if her daughter had not informed the nurse at the right time. There are various advantages of electronic health medical records like the patient records can be accessed more quickly and efficiently. It enables the doctors to diagnose a disease more efficiently and reduces the chances of medical errors during surgical procedures. It also lowers the healthcare costs by proper coordination of the healthcare services by reduction in redundant and useless tests. It also provides better health care by improving all aspects of patient care like proper communication, being patientcentric and other important aspects of patient care.The patients admitted in the ward in the health care organizations should be provided patient centered care as it results in patients to live longer and reduces the pressure on health care organizations. It also improves the quality of the services offered by them and makes people active to get rid of various diseases and look after them by following a healthy lifestyle. This would help in reducing the overall cost of the tre atment, improves the overall experience and help them to be more independent(Lewis, 2013). Healthcare professionals and should train their team properly to avoid any misunderstandings regarding the treatment and overcome all the barriers in communication. They should cater to the needs of patients and his family members; solve their queries by being an active listener in a proactive manner. The main aim is to have a strong relation between the patient and the clinician. Nurses who work alongside need to ensure that the patients receive timely care and medications during the treatment Several protective measures should taken by the health organizations to avoid various kinds of infection, injuries or accidents. It is a top priority in many hospitals but some hospitals are not able to avoid errors during their treatment. It leads to serious complications, slow recovery, increased length of hospitalization and also unnecessary deaths of patients. Patient safety can be ensured by identifying patients correctly by mentioning their name and date of birth, improved staff communication, safe use of medicines by administering them carefully in the patients. There should be safe use of alarms to prevent mistakes in various surgical processes and identify safety risks in patients. This will help in preventing various kinds of infections caused by different pathogens such as bacteria and viruses in the patients especially those who have undergone surgery(Lord Tiedemann, 2013).The nurses should follow all the legal and ethical principles of nursing. Nurses are responsible fo r providing person centered care to their patients and help them whenever they are in need because nursing is a profession which emphasizes in providing quality care health services to the individuals and several families. Hospitals should recruit safe and a competent nurse and the one who follows all the regulations, standards and the professional values during the service.They should take consent from the patient and his family members before starting the treatment procedure. They should explain the medications and the precautionary measures to be taken, functions and side effects of the drugs and the risks involved in the treatment procedure. Various laws, acts and policies should be followed by the nurses during the practice as these laws aims to provide quality care to the patients by following the policies and the guidelines of nursing profession.Nurses should follow proper nursing interventions to patients according to the policies formed for the practice. References gotnes, Jacobsen, Petersen, H. . (2016). A Critical Review of Research on Hospitalization from Nursing Homes; What is Missing?. Ageing. Alkon, Rose, Wolff, Aronson, K. . (2016). Health and Safety Checklist for Early Care and Education Programs to Assess Key National Health and Safety Standards. Maternal and child health journa , 20(1), 114-127. Ball, Murrells, Rafferty, Griffiths, M. (2013). Care left undoneduring nursing shifts: associations with workload and perceived quality of care. Quality nd Safety in Health Care, bmjqs . Chan. (2015). Viral pneumonia: diagnosis and management.In Congress of Asian Pacific Society of Respirology. . Asian Pacific Society of Respirology . Daly, Jackson, (2017). Contexts of nursing: An introduction. . Elsevier Health Sciences. Festini. (2014). Family-centered care. Italian journal of pediatrics, , 40(1), A33. Huber. (2013). Leadership and nursing care management. . Elsevier Health Sciences. Jones.(2016). The nursing practice environment, staff retention, and quality of care. Research in nursing health, , 19(4), 331-343. Lancaster.(2015). Public Health Nursing-E-Book: Population-Centered Health Care in the Community. Elsevier Health Sciences. Lewis. (2013). Lewis's Medical-surgical Nursing: Assessment and Management of Clinical Problems. . Elsevier Australia. Lord, Tiedemann,(2013). A physiological profile approach to falls risk assessment and prevention. Physical therapy , 83(3), 237-252. McFarland. (2014). Transcultural nursing concepts, theories, research and practice. Moorhead, Johnson, Swanson (2014). Nursing Outcomes Classification (NOC)-E-Book: Measurement of Health Outcomes. Elsevier Health Sciences. Peabody. (2015). The care of the patient. Jama , 313(18), 1868-1868.. Potter. (2014). Fundamentals of nursing (Vol. 1). Mosby Incorporated. Rosenthal. (2014). Pharmacology for Nursing Care-E-Book. . Elsevier Health Sciences . Steven, Magnusson, Pearson,(2014). Patient safety in nursing education: contexts, tensions and feeling safe to learn. . Nurse education today, , 34(2), 277-284. Wall, Morrison,(2014). Bridging the theory practice gap through clinical simulations in a nursing under-graduate degree program in Australia. International Journal of Learning, . Teaching and Educational Research, , 8(1).

Choosing Four Themes to Build an Argument Essay

Choosing Four Themes to Build an Argument EssayOne of the basic skills of argument writing is being able to develop 'definitional' arguments. How to build a good argument from basic to deep in a short amount of time. There are four main topics, you need to think about to make a strong and detailed argument.First you have to make a basic thesis and then see how to make a deep argument based on that thesis. So the basic thesis is that ... OK, not really a 'straw man' example, but any article that addresses the topic of knowledge in a comprehensive and original way will have to address the following four topics. a. Knowledge. b. Culture.Now culture and power are not just an abstract concept. It involves how people interact with the knowledge that is involved. So first you need to state a theme. You don't have to make a totally original essay with the help of a research assistant, but you need to draw the reader's attention to something that they can relate to or which is relevant to tha t theme.Second you have to deal with knowledge. By doing this you are making sure that you know what you are talking about. You are drawing the reader into the topic. This is essential when it comes to argument writing and making you write with your audience in mind.You must also deal with power. This comes in two parts. You must first analyze how you do have the power and then how to use that power. This is where the third topic of cultural relations comes in.And third you have to deal with culture. If your argument is really deep, you should definitely have to deal with the cultural aspects of the thing being argued about. There is a lot more to the topic of knowledge, culture and power. Think about this and you will see why you have to have a good connection to all four.Finally you have to deal with power, knowledge and culture and you have to be able to deal with these important parts of your argument. Now these four topics are the essentials for argument writing and they are th e basis for the body of the argument. And you are left with just the meat of the argument - what you are to say to the reader.

Cause of the Financial Crisis

Nowadays, it became a commonplace practice among many American economists and politicians to suggest that it is specifically the Federal government’s failure to introduce regulatory measures, as the mean of preventing banks from providing financially non-credible citizens with mortgage loans, which created objective preconditions for the outbreak of 2007 financial crisis. The close analysis of such an idea, however, reveals it being essentially deprived of a rationale.Advertising We will write a custom essay sample on Cause of the Financial Crisis specifically for you for only $16.05 $11/page Learn More The reason for this is quite apparent – it was namely the Democrats’ preoccupation with ‘combating poverty’ (under Carter and Clinton’s administrations) that resulted in passing of the infamous Community Reinvestment Act (CRA) and in reinforcing its provisions through the course of late nineties, which in turn gave banks a ‘green light’ to qualify socially-unproductive Americans for mortgage loans (Wallison, 2011). Moreover, the Federal government is being simply in no position to regulate dynamics on the American financial market de facto, since it has long ago delegated its monopoly on designing monetary emission-policies to the privately owned Federal Reserve System. Therefore, the suggestions that the government should pass additional bylaws, in order for the financial market’s dynamics to be more predictable, cannot be referred to as anything but the part of Democrats’ sophistically sounding but essentially meaningless rhetoric. In this paper, I will aim to substantiate the validity of this statement at length. Let us elaborate on the actual causes of the most recent financial crisis first. By the year 2006, the volume of so-called ‘non-standard’ and ‘alternative’ mortgage loans, provided by banks to Americans, accounted for 40%. In ot her words, almost a good half of mortgage loans were given to people that would not normally be qualified to receive them. Yet, even though that this particular financial policy did not make any rational sense, whatsoever, through years 2003-2006 American banks strived their best to cease the opportunity to simply ‘give away’ money to those citizens that were simply in no position to be able to afford repaying annual interest rates. Why was it the case? This was because, prior to the outbreak of 2007 financial crisis, the real estate market in America was experiencing a particularly dramatic growth. In its turn, this caused more and more Americans to realize that they could make utterly lucrative profits by the mean of buying houses with bank-loans, waiting for a year or two, without even being required to pay interest on the received loans, and then selling these houses for often twice as much.Advertising Looking for essay on business economics? Let's see if we c an help you! Get your first paper with 15% OFF Learn More Thus, as time went on, a growing number of Americans were beginning to perceive mortgage loans not in terms of an opportunity to buy otherwise non-affordable real estate per se, but rather in terms of an opportunity to indulge in financial speculations. This, of course, caused the growth of the real estate market in America to attain an exponential momentum. Eventually, American bankers concluded that ‘non-standard’ and ‘alternative’ mortgage loans could also be provided to citizens for investment purposes. That is, banks started to sell mortgage agreements and potential profits (which were yet to be obtained in the future) to each other. It is needless to mention, of course, that banks were not financing these types of loans with their own assets, but with largely virtual assets of some third parties. In other words, non-financially sustainable citizens were receiving personal mortgage loan s from organizations that were simultaneously applying for corporate monetary loans, in order to have these loans simply given away to as many people as possible. One debt was generating another debt, which in turn was ‘backed’ by another debt, and so on. Yet, there was an artificially maintained respectability to all of this, as the ‘reselling of debts’ became a widespread practice. The mechanics of how the proper functioning of American economy was being undermined from within were quite simple. The likelihood of a particular mortgage loan not to be returned was evaluated by credit rating agencies, which used to result in security equities being rated according to the extent of their perceived ‘riskiness’. Loan agreements, considered most ‘secure’, were easily sold. Yet, given the continuous boom of the real estate market, even clearly risky loan agreements could be successfully resold to investors. As a result, all the involved parties were able to benefit from participating in the scheme – banks could get rid of legally bounding agreements with private citizens, investors could benefit from making almost instantaneous profits, and private borrowers could close their mortgage loans – hence, qualifying to apply for new ones. This situation lasted for seven years, while resulting in the rapid growth of America’s GDP. Millions of citizens were making huge money out of the thin air, without being required to contribute to the de facto growth of the American economy.Advertising We will write a custom essay sample on Cause of the Financial Crisis specifically for you for only $16.05 $11/page Learn More Nevertheless, the sustainability of the earlier described debt-pyramid was maintained solely by the continual but thoroughly artificial growth of the real estate market, which was attracting more and more investors. In its turn, this growth came because, as of 200 3, Federal Reserve System reduced interest rates down to 1%. This poses us with the question – given the fact that the cause of financial crises has always been the lack of financial liquidy, what caused the lack of financial liquidy in 2007? The answer to this question is simple – it was the FRS’s decision to dramatically increase interest rates through 2006- 2007. In essence, FRS simply followed the classical ‘recipe’ of making a financial crisis, which it had already resorted to during the time of Great Depression. The consequential guidelines for making a financial crisis are as follows: a) Increase the money’s physical volume as much as possible, b) Create loan-agitation by the mean of qualifying even jobless people to apply for loans, c) Drastically reduce the amount of money in circulation and demand borrowers to immediately return their debts. What it means is that, far from being spontaneous, the financial crisis of 2007 was intentio nal and thoroughly regulated, with its foremost goal having been the elimination (due to banks’ bankruptcies) of trillions of ‘excessive’ dollars, printed by FRS without bothering to back up their actual value with any material assets, whatsoever. Therefore, the suggestions that this crisis came because of the America’s financial system having been deregulated simply do not stand much ground. Quite on the contrary – it is specifically because, ever since 1913, FRS exercises a complete regulatory control over monetary emissions in this country, that the financial crisis of 2007 was bound to occur. In this respect, the Federal government’s regulations simply assisted FRS. The validity of this statement can be well explored in regards to the passing of enforcing bylaws to the earlier mentioned Community Reinvestment Act of 1977, â€Å"Bill Clinton†¦ passed laws to enforce the original (CRA) bill. The purpose of the CRA is to force banks to make risky loans to people who can’t afford to repay those loans† (Knight, para. 1). In other words, the government’s meddling in financial affairs, as the part of governmental officials pursuing its ideologically driven and clearly utopian agenda of ‘eliminating poverty’, contributed substantially to the outbreak of 2007 financial crisis.Advertising Looking for essay on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More Apparently, left-wing politicians simply do not understand a simple fact that the proper functioning of the free-market economy cannot be ‘regulated’ and that if it nevertheless becomes the subject of regulations (especially if these regulations are being ideologically motivated), this necessarily results in the economy’s functioning becoming susceptible to crises. There is another aspect to the earlier argument – as of today, the Federal government simply does not have instruments to regulate the functioning of FRS. This is because, contrary to the provisions of U.S. Constitution, which endows U.S. Congress with the exclusive right to exercise a unilateral control over the process of designing this country’s financial policies, this right has been delegated to FRS – a private financial organization, over which the government does not have any control. After all, it is FRS that lands money to the Federal government and not vice versa. Can bor rowers control a money-lending organization? President Kennedy did believe that it was in fact the case, which is why under his Presidency, the U.S. Ministry of Finances issued $2 and $5 banknotes, backed by silver from the National Treasury. This, however, had sealed the Kennedy’s eventual fate. Therefore, the suggestions that the functioning of the America’s financial sector could be regulated by governmental decrees appear utterly fallacious. As the example of CRA’s passing points out to, the government’s attempts to regulate this functioning simply create yet additional preconditions for the country’s richest bankers, who own FRS, to act on behalf of their sense of greed, at the expense of undermining the economy’s vitality from within. As Randazzo noted it, â€Å"Ironically, it was government action (the enforcement of CRA’s provisions) that created incentives for financial firms to be less risk adverse, not a lack of regulation † (2009, para. 6). Thus, we can well conclude that the more a particular ‘progressive’ politician talks about introducing more regulations, meant to apply to the America’s financial sector, the more he or she is being in cahoots with those greed-driven bankers, who are supposed to suffer from these regulations’ enactment – pure and simple. After all, as the history indicates, recently passed regulatory measures (such as CRA), originally conceived to work on behalf of ensuring the American economy’s stability and the ‘underprivileged’ citizens’ well-being , did not only fail at that but they actually strengthened the acuteness of the ongoing financial recession. As the famous saying goes – the road to hell is made out of good intentions. Therefore, it will only be logical, on our part, to conclude this paper by reinstating once again that the introduction of new regulatory bylaws, designed to prevent the outbre aks of financial crises, such as the one of 2007, will not possibly change the situation for better. The reason for this is simple – the periodic outbreaks of these crises can be well seen as the very purpose of the FRS’s existence. However, since the functioning of FRS cannot be regulated by governmental decrees de facto, it means that the government cannot effectively regulate the financial market’s dynamics either. I believe that this conclusion is being thoroughly consistent with the paper’s initial thesis. References Knight, W. (2009). Democrats caused the recession and Republicans tried to  stop it. WordPress.Com. Web. Randazzo, A. (2009). The myth of financial deregulation. Web. Wallison, P. (2011). Hey, Barney Frank: The government did cause the housing crisis. The Atlantic. Web. This essay on Cause of the Financial Crisis was written and submitted by user Maryam Maddox to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

The Bear Came Over the Mountain by Alice Munro

The Bear Came Over the Mountain by Alice Munro Alice Munro (b. 1931) is a Canadian writer who focuses almost exclusively on short stories. She has received numerous literary awards, including the 2013 Nobel Prize in Literature and the 2009 Man Booker Prize. Munros stories, nearly all of which are set in small-town Canada, feature everyday people navigating ordinary life. But the stories themselves are anything but ordinary. Munros precise, unflinching observations unmask her characters in a way that is simultaneously uncomfortable and reassuring- uncomfortable because Munros x-ray vision feels as if it could easily unmask the reader as well as the characters, but reassuring because Munro’s writing passes so little judgment. It is hard to come away from these stories of ordinary lives without feeling as if youve learned something about your own. The Bear Came Over the Mountain  was originally published in the December 27, 1999, edition of The New Yorker. The magazine has made the complete story available for free online.  In 2006, the story was adapted into a film titled, directed by Sarah Polley.   Plot Grant and Fiona have been married for forty-five years. When Fiona shows signs of deteriorating memory, they realize  she needs to live in a nursing home. During her first 30 days there- during which Grant is not permitted to visit- Fiona seems to forget her marriage to Grant and develops a strong attachment to a resident named Aubrey. Aubrey is only in residence temporarily, while his wife takes a much-needed holiday. When the wife returns and Aubrey leaves the nursing home, Fiona is devastated. The nurses tell Grant that she will probably forget Aubrey soon, but she continues to grieve and waste away. Grant tracks down Aubreys wife, Marian, and tries to convince her to move Aubrey permanently to the facility. She cannot afford to do so without selling her house, which she initially refuses to do. By the end of the story, presumably through a romantic connection, he makes with Marian, Grant is able to bring Aubrey back to Fiona. But by this point, Fiona seems not to remember Aubrey but rather to have renewed affection for Grant. What Bear? What Mountain? You are probably familiar with some version of the folk/childrens song The Bear Came Over the Mountain.  There are variations of the specific lyrics, but the gist of the song is always the same: the bear goes over the mountain, and what he sees when he gets there is the other side of the mountain. So what does this have to do with Munros story? One thing to consider is the irony created by using a light-hearted childrens song as the title for a story about aging. Its a nonsense song, innocent and amusing. Its funny because, of course, the bear saw the other side of the mountain. What else would he see? The jokes on the bear, not on the singer of the song. The bears the one who did all that work, perhaps hoping for a more exciting and less predictable reward than the one he inevitably got. But when you juxtapose this childhood song with a story about aging, the inevitability seems less humorous and more oppressive. There is nothing to be seen except on the other side of the mountain. Its all downhill from here, not so much in the sense of being easy as in the sense of deterioration, and theres nothing innocent or amusing about it. In this reading, it doesnt really matter who the bear is. Sooner or later, the bear is all of us. But perhaps youre the kind of reader who needs the bear to represent a specific character in the story. If so, I think the best case can be made for Grant. It is clear that Grant has been repeatedly unfaithful to Fiona throughout their marriage, though he has never considered leaving her. Ironically, his effort to save her by bringing Aubrey back and putting an end to her grieving is accomplished through yet another infidelity, this time with Marian. In this sense, the other side of the mountain looks a lot like the first side. Came  or Went  Over the Mountain? When the story opens, Fiona and Grant are young university students who have agreed to get married, but the decision almost seems to be on a whim. He thought maybe she was joking when she proposed to him,  Munro writes. And indeed, Fionas proposal does sound only half-serious. Shouting over the waves at the beach, she asks Grant, Do you think it would be fun if we got married? A new section begins with the fourth paragraph, and the wind-blown, wave-crashing, youthful exuberance of the opening section has been replaced by a calmer sense of ordinary concerns (Fiona is trying to wipe away a smudge on the kitchen floor). Its clear that some time has passed between the first and second sections, but the first time I read this story and learned that Fiona was already seventy years old, I still felt a jolt of surprise.  It seemed that her youth- and their entire marriage- had been dispensed with too unceremoniously. Then I assumed that the sections would alternate. Wed read about the carefree younger lives, then the older lives, then back again, and it would all be sweet and balanced and wonderful. Except that isnt what happens. What happens is that the rest of the story focuses on the nursing home, with occasional flashbacks to Grants infidelities or to Fionas earliest signs of memory loss. The bulk of the story, then, takes place on the figurative other side of the mountain. And this is the critical difference between came  and went  in the title of the song. Though I believe went  is a more common version of the song, Munro chose came.  Went  implies that the bear is going away from us, which leaves us, as readers, safe on the side of youth. But came  is the opposite. Came  suggests that were already on the other side; in fact, Munro has made sure of it. All that we can see- all that Munro will allow us to see- is the other side of the mountain.

Googling Out of Control Case Study Essay Example | Topics and Well Written Essays - 2250 words

Googling Out of Control Case Study - Essay Example In the modern day context, culture has a major role to play supporting different business organisations to fulfil their respective predetermined business targets. The significant concern of organisational culture is regarded as a valuable aspect that includes norms, rules, values as well as working systems of the organisations. The behaviour of employees is considered to be the other vital aspect that is included in the culture of an organisation. It has been apparently observed that every organisation has its own approach towards building an effective workplace culture. Organisation culture is directly responsible for enhancing the overall performances of the organisations by a greater level. In this regard, the example of Google Inc. will depict a clear picture based on the above mentioned facts. It has been viewed in this similar background that Google possess a working culture in its workplace that gives maximum liberty to its employees concerning dress, eat and behave as well as to perform in accordance with what they desire. This can be regarded as one of the vital and the major reasons for the effective performance of the company throughout the globe. With this concern, this paper intends to elaborate and critically analyse the organisational culture and â€Å"Googley way of working†. Brief Overview of the Company (Google) Google Inc. is popularly known as one of the most widely used search engines of the world. It was established in the year 1998 as a global technology company which mainly focuses on improving the approach through which people acquire relevant information about any subject matter or topic. In the year 201, the company shifts its area of focus on search and advertising through which the company succeeded to attain substantial revenues. It has been learnt that the company was founded by the duo of Sergey Brin and Larry Page who were students in Stanford College. The prime motto of the company is to organize and provide all the information and make accessible to all people throughout the entire globe. The company has its official headquarter in California and operates in almost different corners of the globe. It has gained the reputation to be called as the leading search engine of the world (Google, 2013). Critical Analysis of the Organizational Culture of Google and its Way of Working Organisational culture is regarded to be one of the vital aspects that directly impose significant impact upon the overall performance of the companies by a considerable level. The notion i.e. organisational culture is typically regarded as the collective behaviour of the people belonging to any particular organisation. It has been viewed that cultures of any organisation encompasses values, norms, beliefs and working system among others. An organisation is identified from its culture which needs to be effectively organised. Organisational culture may be defined as shared value that preserve by members of any organisation so that it can present itself differently from other organisations. Different organisations possess dissimilar sorts of organisational culture. There pertain numerous characteristics that can be observed to be involved in the formation of an effective organisational culture. In this similar context, innovation and risk taking approach of the employees is amid the v ital characteristics of an organisation’s culture. Detailed analysis of a particular task is another feature of organisational culture. The degree to which the employees of any organisation give attention in every detail is also a part of organisation culture. Furthermore it has also been noted that working in teams and delivering desired results are

Common Law Essay Example | Topics and Well Written Essays - 2000 words - 1

Common Law - Essay Example Once this process ceases, the parties are supposed to reach an agreement or abandon the process without an agreement. The traditional way of ascertaining whether or not an agreement has been reached is to apply the rules of offer and acceptance. An offer, when properly made by one party and accepted by another party, an agreement is said to take place. That is, on acceptance or at the moment of communication of acceptance, to be more precise. Though the process is simple, it raises several questions as to whether an offer has been made at all and who the offeror is.An offer can be made at auctions, tenders, by price list or advertisements. But these are not strictly offers but invitation to treat. See Pharmaceutical Society of Great Britain v Boots 2 The offer comes in variety of forms that a formal communication of acceptance is not necessary in all cases. For example, advertisement of rewards and offers to the whole world. See Carlil v Carbolic Smoke ball & Co 3 Some times, questio n arises as to whether a silence can amount to acceptance. The agreement so formed by the process of offer and acceptance, should be supported by another element known as â€Å"consideration†. Consideration is something what the offeror and the acceptor are prepared to exchange for what he has been offered or has accepted.4 Gratuitous promises cannot be enforced as was established in Re Hudson,5 wherein Hudson’s executors were sued after his death for moneys owed by him on account of balance of donation he had promised give @  £ 4,000 per year for five years. The court held that money had been promised to be paid by him merely as a charity and not in exchange of some thing the donees had given him in return what is known as consideration in law. The position would have been different had Hudson executed a gift deed which could not be construed as a contract in any case. Thus, an offer is a proposal or promise by one person to another