Leadership in TQM Theory Essay Example | Topics and Well Written Essays - 2750 words

Leadership in TQM Theory - Essay Example This is an erroneous assumption, predicated on a misunderstanding of the distinction between authoritarian leadership and involved, proactive leadership. The distinction between the two is not only real but is one which makes all the difference between organisational success and failure; between organisational atrophy and organisational flexibility. As Baker et al. (1993) asserts, effective organisational leadership is a leadership which acknowledges the inherent value of delegation and autonomy but which at the same time, is present and involved; a leadership which displays, not only acumen in decision-making and strategic planning but which has the capacity to proactively to extraordinary circumstances through the utilisation of both change and crisis is management tools, such as demanded by the specific of the situation/crisis/change at hand. The effective leader is, in other words, one who has successfully negotiated the fine balance between involvement and delegation. Defining effective leadership is a challenging endeavour and within the limits of the present research, an impossible one. Nevertheless, by clarifying the research's focus and delimiting the scope of its exploration, the study shall communicate the characteristics of the effective leader within the matrix of Total Quality Management [TQM]. The reason for selecting TQM as the theoretical paradigm from within which the characteristics of the effective leader shall be defined is not because it happens to be the most popular and result-oriented management paradigm today but because, as Gilbert (2004) notes, leadership within TQM organisations are, by definition, highly effective leaders who have successfully negotiated between the exigencies of involvement and delegation, on the one hand, and who function as the founding bloc for an organisational culture which, beyond being fundamentally founded upon strategic management and planning, is constructively responsive to both change and cri sis. Indeed, empirical studies have established that leaders within TQM organisations tends towards the display of higher levels of decision-making and strategic planning acumen than those in non-TQM organisations because strategic planning is both research-based and holistic, on the one hand and because decision-making is shared and knowledge-based, on the other. Following a review of the characteristics of the effective leader and an analysis of effective leadership within the matrix of strategic planning and decision making the research shall look towards case studies drawn from the IT sector in order to demonstrate the extent to which effective leadership is an inherently TQM one, based on an acknowledgement of the imperatives of information-based strategic planning and shared decision-making, while ineffective leadership is the very antithesis of the stated. 2 Leadership in TQM Theory TQM is, as Easton and Jarrell (1998) maintain, a comprehensive organisational management system which is based upon the integration of several managerial perspectives, approaches and theories into one, in acknowledgement of the complexity of organisational structures themselves. However,

Strategies to Gain New Customers via Internet Banking

Strategies to Gain New Customers via Internet Banking 1. Introduction It includes the following topics: a. A clear statement of the purpose of the thesis b. Reasons for the study c. Statement of problems d. Purpose of the study a. The purpose of the thesis: If students have to write their M.B.A theses, which make a large number of significant errors, this is the main reason why their projects return for audit. Disappointed and falls, they need to proofread and to work for their dissertations. It has taken so much time for them to write their dissertations, and now they should start from the exact beginning. I shall show you how to avoid failure in the basic thesis and is, as you know about this failure. The most important thing about the dissertation writing is that you should understand clearly the purpose of the letter. The main purpose of writing of a dissertation is to provide a student with an opportunity to discover something new in the field of investigation. If the student can lead a deep, wise and profound Research, and can draw a clear conclusion about his / her research with any discoveries that present in the final dissertation, he reached the end. One more important thing is to writing a thesis that you should know about th e latest discoveries in the field of investigation. That purpose, writing a dissertation, can be achieved through lectures and analysis of relevant sources thesis. A student should be aware of the position of the writer and should appreciate the critical position. There is no doubt that you will succeed in your dissertation, if you know the main purpose of writing a dissertation, which will be presented by me. Apply for M.B.A dissertation to get a piece of good advice. M.B.A dissertation is always willing to help you. For many courses forms part of a dissertation is to complete study for a degree. For some courses it is linked with work experience. It provides you with an opportunity to take a piece of individual research work and to really examine an aspect of the theme that you are studying closely. b. Reasons for the investigation: There are opportunities for the effective use of the Internet with regard to the banking industry. It is shown that may cause the appropriate application of todays cutting-edge technology at a significant competitive advantage for banks. This is illustrated by a scenario that focuses on the potentials of advising on the Internet. For many consumers, electronic banking means 24-hour access to redeem with an automated counter machine (ATMS), or direct deposit of paychecks for the checking or savings accounts. But electronic banking now involved many different types of negotiations. Electronic banking, also known as electronic funds transfer (EFT), uses computer and electronic technology as a replacement for paper checks and other negotiations. EFTS is initiated through devices like cards or codes that you can, or that you authorize to accesses your account. Many financial institutions use ATM or debit cards and personal identification numbers (NEEDLES) for this purpose. One uses other forms of payment cards such as those that require the most, your signature or a check. The federal Electronic Fund Transfer Act (EFT Act) covers some electronic consumer negotiations. Although Internet banking has been widely adopted in developed countries, there is a group of customers resisting the services. In other words, Internet banking, although proven to be a successful innovation is not yet adopted by the laggards have become, and therefore have all the expectations of banks did not hit. Therefore, the purpose of dissertation is to identify the reasons for the sales resistance to Internet banking. The special interest is to explore resistance among those who pay a customer who already has valid contracts for Internet, but preferably pays, pay their bills through ATMs. The goal is to identify the characteristics that generate resistance to Internet banking and their connections to values of individuals. To achieve the objective, 30 Finnish bank customers have used the detail ed Central finished interviewing approach and the laddering interviewing process. c. Statement of problems: To develop strategies for banks is to get people to pay online which was drawn a sample of 369 consumers from two universities in Kwazulu-Natal. Universities were chosen because they are an untapped e-commerce market segment. Workers at universities fit the profile of typical Internet users. Data were collected a used tissue based on survey. Statistical analysis has revealed that more men have used Internet banking than females. Automated telling machines custom was far greater than Internet banking usage. A large percentage of Internet bankers have used the service for burying account transfers and balance test / statements. Safety was the main issue for not paying in-line. Potential customers who have wanted guaranteed safety and loyalty rewards to get them to pay online. Internet banking has the potential to grow among tertiary institution workers. Some of the problems are explained below: Negotiation / Farms Explorers Risk Negotiation / edited risk arises holdings of dizziness, the error, system interruption, or other unexpected events that result in the inability of the institution to provide products or services. This risk exists in every product and service offered. The amount of the negotiated risk is influenced by the structure of the processing environment of the institution, including the types of services offered and the complexity of procedures and supporting technology. Credit Risk In general, the credit risk of a financial institution to mere fact not equal, that a loan will be produced by an e-banking channel. However, management should consider providing an effective management information systems, including assuring the performance of portfolios produced bear pursued through e-banking channels. LIQUIDITY, INTEREST RATE, PRICE / MARKET RISKS The Funding and investment-related risks could increase with the e-banking initiatives of an institution that depends on the volatility and judgmental of the acquired deposits. The Internet provides institutions with the ability to bring to the global market their products and services. On Internet-based advertising programs can effectively yield-focused investors with potentially high-adapted resulting deposits. But Internet-produced deposits have the potential to attract customers, which may focus exclusively on rates, and a source of funding with risk characteristics that are similar to deposits has provided care. An institution may, by this potential volatility and its extensive geographical reach agreement and deposit account control to open the practice of personal meetings and involve the exchange of paper correspondence is expected. COMPLIANCE / LEGAL RISK Compliance and legal issues arising from the rapid growth in usage of e-banking is based, and the differences between electronic and paper methods. E-banking is essentially a new delivery channel where the laws and rules that may govern the electronic delivery of certain financial institution products or services to be ambiguous or even developing. Governing laws and regulations, consumers bargaining, require specific types of disclosures, notes, recordings or tours of conditions. These conditions also apply to e-banking and federal banking agencies continue to update consumer laws and regulations, the impact of electronic banking and online customer relationships to reflect. STRATEGIC RISK A committee should understand the financial institution and manage the risks that are associated with e-banking services and the emerging risk management costs against the potential return on investment-bank Offered in essential services evaluated. Poor e-banking planning and investment decisions are to increase the strategic risk of a financial institution. Early adopters of the new e-banking services can be as forerunners who may expect to establish the needs of their customers, but by then incur higher costs and increased complexity in their decision. REPUTATION RISK One institution, e-banking services to offer, especially the more complex transactional services and significant increases in its level of reputation risk make risked. Some of the inputs, which e-banking affect the reputation of an institution may include, loss of confidence due to unauthorized activity on customer accounts disclosure or theft of confidential customer information to unauthorized parties(e.g. hackers), failure to marketing requirements, supply, failure to provide reliable service on the basis of the frequency, or duration of service interruption, customer complaints about the difficulty in e-banking practices and the inability of essential services desk to resolve problems, and confusion between services that are provided by the financial institution and the services which has been supplied by other businesses, which has been linked from the site. d. Purpose of Study E-Commerce revolutionized the way business is headed. New business models to replace outdated and organizations to think of business processes and customer relationship management strategies drafts. Banks are no exception to this transformation. This study examines the views of bankers on providing banking services to help customers use the tissue. Specifically, it speaks expenditure, such as the strategic need for Internet banking, its effect on client-bank relationships, and the experiences of customers in internet banking. Advantages of internet banking to banks I. Cost savings Orr (1999) states, the electronic processing dramatically reduce the cost per procedure, according DiDio (1998), the average transaction cost at a full service bank about $ 1.07. It reduced to $ 0.27 an ATMS and falls to a penny if the same transaction is conducted on the fabric. Also, there are opportunities for banks to hand over customer invoices electronically. The cost to deliver invoices to be electronically much lower than when the bill was in paper form, which has been delivered through the mail. Irvine (1999) states, the electronic bill presentation costs 40% less than paper delivery. These cost savings can offer customer pays, and similar reduced costs of the banking system and still provides effective and differentiated services. II. Loyal customers Loyal customers have in a new study that was conducted by Forrester Research, 61% of respondents claimed that if their banks offered financial services that they wanted, they would prefer the service of the Bank use. With this knowledge of the Offering consumers interest in mind to move banks, a hub of financial services including bill presentation and payment, financial planning, estate planning, insurance, loans, and brokerage services. The Internet allows for these converging financial services not previously available in one central location. III. Offer additional services Do you offer additional services as mentioned above, to move many banks to offer customers a financial portal? This portal concept offers banks a new role in the business of serving customers. Simply an Internet presence has not supplied one income stream banks. However, by offering a wide array of products and services that can benefit from internet banking integration. By creating financial portal where consumers can manage a wide range of financial activities, such as stocks and mortgages, banks can benefit from offering Internet capabilities to help customers (Wah, 1999). IV. Internet Profit Generation E-commerce, if properly integrated into existing banking operations can lead to significant cost savings and higher profitability. Find cost savings due to automate customer negotiations, such as fund transfers, payments, account balance inquiries etc. Strategic alliances with insurance companies, mortgage companies and stock brokerage firms can lead to additional business opportunities that will otherwise go unfulfilled. In addition, banks can retain customers more effectively if offering services, the value-addition are. High-profit customers, which some studies suggest that entice the demographic of internet banking customers. Wells Fargo Bank online customers have an annual median income of $ 75,000 with higher education levels than the average wells Fargo customer (Hoffman, 1999a). Also this group of customers is more profitable than the bricks-and-mortar counterparts. They generate 50% more income than the average wells Fargo customer, holds a 20% increase in balance, yet uses 50% product, and its wear rate is 50% of the total wear rate. Furthermore, on average, it costs 14% less compared to those customers bricks-and-mortar customers (Time well and Kung, wait 1999). Advantages of internet banking to consumers A. Cost savings Cyberspace is cheaper to operate than brick and mortar structure, and this cost advantage can often be further passed to consumers. The Internet Banking cost structure allows consumers to receive cost savings, and financial benefits for depositing online. A comparison of the (e-banking) and depositing one (parent bank a brick and mortar bank) offers an illustration of this point. For checking accounts Wingspan offers an interest rate of 4.5% interest, which is compared, one1%deposit.It also offers more options begins in the mortgage and insurance, with 60 loaning companies and 15 insurance salesmen. It also offers customers an advantage over to his parent in the field of electronic bill payment, which offers the service for no extra charge, while depositing, one invites $ 4.95 per month (, 1999). B. Access to additional services On Basic transactional web sites allows customers to check account adjustments, possession and new banking statements. Systems that allow customers to initiate negotiations on-line, such as transferring money between accounts or making payments, provides customers additional benefits. These elevated sites allow customers to pay bills to request and review loans and mortgages, credit cards and checking accounts. The financial institutions that offer extensive online services, well, are set to be a leader (Hickman, 1999). By offering this great umbrella of the service trust of one who pays the institution, these companies can save a larger share of the financial transaction from a customer. C. A good shopping stop: Banks, adds real time loan applications, added the ability to make IRA investments, the opportunity to trade shares through their websites. The tendency for flocking that is pays predicted to shape the future of Internet banking on. This concept of one-stop shopping is convenient and leads to more satisfied customers. 2. Literature review In literature review I shall discuss the following: a) Critical review of the literature as Use of relevant literature b) Evidence of understanding the ideas expressed c) Develop a critical focus Critical Review of the literature: Paying online or Internet offers consumers and business like the convenience of managing banking and financial responsibilities of home A. Online banking can also be a lifeline for those who can not leave his house, or may live in rural areas where access can be restricted to banks. To be able to check your bank, savings and justify Digital Banking customers have a range of internet banks have to meet those needs to ensure customer loyalty. Consequently, change Internet banking services in general, and on finding feedback paid online services are important to this book. Our investigations of online banks allow you to compare internet banks and to find the best service that is available with investigations of Lloyd internet banking, a paid online, a HSBC and Barclays internet charges among others. If you are Internet banking, please send us your internet, the review and makes known repaying us your thoughts and experiences of the personal Internet banking INTERNET BANKING SERVICES AND FEATURES i. Checking your balance and statements online ii. Fund Transfers iii. Bill Payments iv. Managing savings and current account v. Cards service vi. Order cheque and books request vii. Please ask for stop cheque payments viii. Fixed Deposit accommodation ix. Requested by the Statement Internet distribution strategy decisions These are the key strategic decisions for e-marketing with strategic choices for traditional marketing. They engage in selective target customer groups and giving, how to deliver value to these groups. Segmentation that aim is to have differentiation and positioning of the entire key to effective digital marketing; the main thrust of the e-marketing strategy is takes decisions on the selective targeting of client groups and different forms of value delivery for online channels. It is a similar issue with e-buyer strategies see link at the footer of the article. In an e-marketing context, we can say: a. E-marketing strategy is a channel strategy. b. Specific e-marketing objectives must be set adoption rate of e-channels have been compared to other channels for different audiences. c. E-channel strategies thrive on creating a different value for all parties to a negotiated. d. But E-channel does not exist in isolation, so we still need to manage channel integration, and acknowledges that the adoption of e-channels will not be suitable for all products or services or generates sufficient value for all partners. Thus E-marketing strategy is defined as we should: a) Communicate the benefits of using e-channel. b) Guide Put priority on public or partners for e-channel adoption of third targeted. Set priority products and has sold through e-channel purchased. c) Achieve our goals through e-channel tactics for online customer acquisition, conversion (conspiracy) and retention. A strategic option exists to replicate offline segmentation, which aims at a differentiated manner, and in the online channels. While this is relatively easy to run the company will likely lose market share, compared with more nimble competitors who modify their approach to online channels. An example of a strategy makes no grocery shopping, where some pet shops have released to all parts of the country or not, not providing the service in general. These supermarkets will lose customers to the most enthusiastic adopters of online channels, such as Tesco and Sainsbury; the victory will be difficult to be back sides in future. Segmentation / strategy aimed at company online customers have different demographic characteristics, needs and offline behavior to its customers. It follows that different approaches may be required to segmentation, and specific sectors may be choosy need to be targeted. The manner / the online product differentiation strategy competitors and service offerings are often different in the online environment. Develop a suitable online value proposition is as below describe an important aspect of this strategy. Has many examples of online information is based on the lower costs achieved distinction in and retaining online customers, which are then passed to customers. Examples include: Retailers offering lower prices online. For example Tesco (price promotions on selected products), Comet (discounted when compared to in store on some products) Lower cost airlines offers flights to online bookings. Examples: easy Jet, Ryan air, BA. Financial services firms offering higher interest rates on savings products, its lower interest rates on credit products such as credit cards and loans. Examples: Nationally, federal and Leicester. Mobile phone network provider or Utilities, the lower cost of fares or discounts offered for customer accounts that are managed online paperless billing. Examples: O2, British Gas. Other options for differentiation are available on-line for companies where their products are not suitable for sale online, such as high value or complex products or FMCG brands sold by retailers. These companies may use online to add the brand or the product value by provide additional value services or different types of experience. 1. Online CRM strategy: It will focus on various aspects of the customer life cycle for online customers in terms of: Acquisitions Strategies, attract new customers to a company, and existing customers about online channels, to migrate. Separate targets should be set for each. Retention using online channels proliferate, retention, and value of the customer company. Reactivation encouraging continued use of online channels from customers that have passed, for example, had online or home shopping service, buys the service, but has now stopped. This may be driven by setting targets for% active customers. Customer knowledge (familiarity) learning more about the customer through profiling and monitoring of behavior. 2. Online value proposition strategy: It defines the value proposal for the acquisition and retention, engage with customers is online. Close communicative and promotional incentives which use to encourage trial. Program also defines the value creation through time for example, white papers are available for example monthly or seasonal sales promotions made. 3. Online has targeted range strategy. Objective: Communicate with relevant online audiences to achieve communication goals. The communications typically include: building brand awareness and favorability build impulsive online purchase, growing offline purchase intent, list or migrating existing customers to online channels. Focus: New customer acquisition: Communication strategy with selected sections of online customers through media buying, PR, is to sending e-mail, viral campaigns and sponsorship or partnership arrangements. Driven by goals of the online audience is share and number of visitors placed in different sections. The strategy may involve: A. To drive visitors to the company office B. To achieves brand awareness and interactions on third sites. C. Building brand awareness, favorability and purchase intent on third may be a more effective strategy for low participation FMCG brands, where it will be difficult to encourage visitors to the site. D. Offline has targeted range strategy. Encourage Target: Potential customers who use online channels that Visit site and performed where relevant. Focus: New customer acquisition and migration of existing customers online. Strategy to communicate with selected customers, divide by offline direct marketing, media buying, PR and sponsorship, driven by goals of the online audience share and number of visitors placed in different sections. E. Offline Sales Impact Objective Strategy: Use on-line communications, sales achieved by offline channels. Focus: Achieving sales off-line (new or existing customers may be defined) strategy, such as on-line communications through the website and the e-mail offline sales i.e. influenced by phone, mail or in-shop can. F. Online Sales Efficiency Strategy Objective: Job visitors turn to buy Focus: Achievement sales online (may encourage new or existing customers to be) For transactional e-commerce jobs, a strategy that point visitors to purchase online mercantile, promotions, etc. For other types of agencies multiplying conversion factors leads. As part of this strategy options to convert visitors to action, exploring reduce (or attribution installments) is, i.e. first-time buyer promotions, job design improvements, website and landing page optimization. Triggered event, has e-mails are used automatically to convert potential sales to sales. Introduction: Although cost in retail banking in Europe is confronted with quite similar challenges and changes that are changing responses considerable. 1. This shows the changes in the strategic orientation: Which are apart from walking organization structures by individual banks and different characteristics of national markets? The operating authority and the capitalization of banks play an important role in the selection of a suitable banking strategy. Country-specific factors include customer benefits, the degree of competition and informal legal framework, among other things, a. This article focuses on retail banking strategies. The emphasis is on retail banking in the broadest sense of the word. In fact, many banks have re-discovered in the retail cost, which pays for the collapse, charges of operating and investing activities and the fall in stock prices over the last few years. In section two we begin with a brief summary of known trends in banking. Sections three to four focuses on domestic and international banking strategies, respectively. Both sections have the same statement. The first part describes the retail banking strategies in general. The second part of the business with strategic positioning of the Rabobank Group and explains how Rabobank Group with these general trends and challenges overcome. 2. General trends in European banking Which will be depositing the Europeans who pays the countryside, continue to experience dramatic change over the next few years (see McDonald. Trends affecting the banking industry include privatization, regulation and supervision, demographic factors, a technological innovation yet the EMU and the importance of propagating sustainable banking. The privatization of banks is high on the agenda in France, Germany and Italy. As the influence of government relations in competitive weight loss financial sector, and in the banking industry in particular, is experiencing significant change. Developments in regulation and supervision affect the banking industry through various Channels. It was not until deregulation of the financial sector will continue to eat away the barriers that deny access to the market for new suppliers of financial products. On the other hand, we see an increase in national legislation, particularly in the area of consumer protection. Regarding supervision, the new BIS capital adequacy rules, tremendous impact on the all banking business have. The combination of an aging population in Europe and financial constraints on state pensions will be a surge in filling retirement benefit plans to produce. These various developments are the implications for traditional forms of saving and, therefore, for the financing activities of banks have. In this respect, an analyst strong growth among institutional investors, including pension schemes before. 1. Does German bank Research for an analysis of banking strategies in European countries. 2. Argue that technological developments are fundamentally changing the cost structure, output mix and distribution channels of banks. Actually, he goes too far say that the developments in information technology the most fundamental force for change in the financial sector. Those procedures for deeper and more liquid markets resulting from EMU main euro will continue for some time. These will increasingly cheaper and easier for medium and large corporate do, raise money directly in these markets instead of borrowing from banks. Finally, the growing importance is sustainable banking is a tendency that can not be denied. Banks will judge on their apparent social and selected environmental responsibility by customers and investors. 3. All these driving forces behind the structural changes in the Europeans, pays the industry not only has an independent effect on the structure of the market, but also acts on each other and thus enhance can. These factors include far-reaching implications for the market structure, the characteristics, such as: concentration, capacity, competition, efficiency and profitability. There is competition among banks but also between banks and other things, the new financial intermediaries to be strengthened. 4. Internal strategy of costs in retail banking. This section describes strategies in general. The strategic vision and the election of the Rabobank Group are discussed in section 3.2. 3.1 Inside strategic options, strategies Deposit, improve performance, and grow in domestic markets, can in three Main categories are divided: To distinguish A. Cost reduction B. Income growth or organic C. Associations, and acquisitions and cost reduction frets A. Different costs, the strategies can reduce as regular as thin down, multi channeling, and outside-in and co-sourcing. Thin down refer to the assessments of banks of ways to improve their internal cost structure, and to increase efficiency. This takes place when economic conditions are unfavorable, and happens every few years. New elections are on priorities and the bands of the working staff is close been investigated by the bank. Other companies, banks tend to grow fat in prosperous times, is usually compensated for in an economic downturn. An additional driver for cost reduction is the current trend of changing distribution channels that are caused by ICT innovations. Banks will be forced to invest heavily in ICT to stay competitive. Most banks now use a multiple approach in guiding the distribution of their products and the maintenance of their customers. Use branches, telephone, ATM and Internet all at once. The public has a massive shot to the new (direct) channels, which have r educed the number of visits to the bank itself, the development of customer and a blueprint for the future. This change provides customers preferred a great opportunity to reduce the cost of relatively expensive branch network to. Many banks are therefore currently re-examining their distribution processes. However, ICT investments are high and therefore it is increasingly important for banks to organize their back offices in the most effective way. Sufficient scale to reduce unit, or transaction costs are the key. Banks can choose from several strategies to optimize their back office activities: co-sourcing, in sourcing to stock and white labeling off. Co-sourcing is the caterer of back office platform with another bank. In sourcing means the back office operations for other parties running in order to realize sufficient scale. Outsourcing is the order of activities and buying them back from other companies. White Label states the production of products for others, mostly non-financial parties without a label. 5. within organizations, can set up to scale economies of shared customer service centers are met. Shared customer centers show the interlocking of back office operations of several subsidiaries. They can be seen as an internal coor in sourcing initiatives. 6. This strategy is described under the income increases, the strategies. Technically speaking depend, is the preferred strategy Art sourcing mainly on the shape of cost curves for a certain product, the position of the bank on that curve, and the price of the option. 7. There are three hypothetical cost curves from the shape of the curves may differ for different products, because the relationship between fixed and Variablekosten varies per product. The curves do not necessarily show a continuous downward slope with wax volumes, since likely at some point need new investments to be treated, propagation, characterized scale. Theoretically, therefore, can lead insourcing, intuitive results counter: multiplying unit cost. The position of the cost curves can also differ between countries, which are the main driver behind the current trend of outsourcing ICT activities to low wage countries such as India. Expect 2 Hypothetical devel Strategies to Gain New Customers via Internet Banking Strategies to Gain New Customers via Internet Banking 1. Introduction It includes the following topics: a. A clear statement of the purpose of the thesis b. Reasons for the study c. Statement of problems d. Purpose of the study a. The purpose of the thesis: If students have to write their M.B.A theses, which make a large number of significant errors, this is the main reason why their projects return for audit. Disappointed and falls, they need to proofread and to work for their dissertations. It has taken so much time for them to write their dissertations, and now they should start from the exact beginning. I shall show you how to avoid failure in the basic thesis and is, as you know about this failure. The most important thing about the dissertation writing is that you should understand clearly the purpose of the letter. The main purpose of writing of a dissertation is to provide a student with an opportunity to discover something new in the field of investigation. If the student can lead a deep, wise and profound Research, and can draw a clear conclusion about his / her research with any discoveries that present in the final dissertation, he reached the end. One more important thing is to writing a thesis that you should know about th e latest discoveries in the field of investigation. That purpose, writing a dissertation, can be achieved through lectures and analysis of relevant sources thesis. A student should be aware of the position of the writer and should appreciate the critical position. There is no doubt that you will succeed in your dissertation, if you know the main purpose of writing a dissertation, which will be presented by me. Apply for M.B.A dissertation to get a piece of good advice. M.B.A dissertation is always willing to help you. For many courses forms part of a dissertation is to complete study for a degree. For some courses it is linked with work experience. It provides you with an opportunity to take a piece of individual research work and to really examine an aspect of the theme that you are studying closely. b. Reasons for the investigation: There are opportunities for the effective use of the Internet with regard to the banking industry. It is shown that may cause the appropriate application of todays cutting-edge technology at a significant competitive advantage for banks. This is illustrated by a scenario that focuses on the potentials of advising on the Internet. For many consumers, electronic banking means 24-hour access to redeem with an automated counter machine (ATMS), or direct deposit of paychecks for the checking or savings accounts. But electronic banking now involved many different types of negotiations. Electronic banking, also known as electronic funds transfer (EFT), uses computer and electronic technology as a replacement for paper checks and other negotiations. EFTS is initiated through devices like cards or codes that you can, or that you authorize to accesses your account. Many financial institutions use ATM or debit cards and personal identification numbers (NEEDLES) for this purpose. One uses other forms of payment cards such as those that require the most, your signature or a check. The federal Electronic Fund Transfer Act (EFT Act) covers some electronic consumer negotiations. Although Internet banking has been widely adopted in developed countries, there is a group of customers resisting the services. In other words, Internet banking, although proven to be a successful innovation is not yet adopted by the laggards have become, and therefore have all the expectations of banks did not hit. Therefore, the purpose of dissertation is to identify the reasons for the sales resistance to Internet banking. The special interest is to explore resistance among those who pay a customer who already has valid contracts for Internet, but preferably pays, pay their bills through ATMs. The goal is to identify the characteristics that generate resistance to Internet banking and their connections to values of individuals. To achieve the objective, 30 Finnish bank customers have used the detail ed Central finished interviewing approach and the laddering interviewing process. c. Statement of problems: To develop strategies for banks is to get people to pay online which was drawn a sample of 369 consumers from two universities in Kwazulu-Natal. Universities were chosen because they are an untapped e-commerce market segment. Workers at universities fit the profile of typical Internet users. Data were collected a used tissue based on survey. Statistical analysis has revealed that more men have used Internet banking than females. Automated telling machines custom was far greater than Internet banking usage. A large percentage of Internet bankers have used the service for burying account transfers and balance test / statements. Safety was the main issue for not paying in-line. Potential customers who have wanted guaranteed safety and loyalty rewards to get them to pay online. Internet banking has the potential to grow among tertiary institution workers. Some of the problems are explained below: Negotiation / Farms Explorers Risk Negotiation / edited risk arises holdings of dizziness, the error, system interruption, or other unexpected events that result in the inability of the institution to provide products or services. This risk exists in every product and service offered. The amount of the negotiated risk is influenced by the structure of the processing environment of the institution, including the types of services offered and the complexity of procedures and supporting technology. Credit Risk In general, the credit risk of a financial institution to mere fact not equal, that a loan will be produced by an e-banking channel. However, management should consider providing an effective management information systems, including assuring the performance of portfolios produced bear pursued through e-banking channels. LIQUIDITY, INTEREST RATE, PRICE / MARKET RISKS The Funding and investment-related risks could increase with the e-banking initiatives of an institution that depends on the volatility and judgmental of the acquired deposits. The Internet provides institutions with the ability to bring to the global market their products and services. On Internet-based advertising programs can effectively yield-focused investors with potentially high-adapted resulting deposits. But Internet-produced deposits have the potential to attract customers, which may focus exclusively on rates, and a source of funding with risk characteristics that are similar to deposits has provided care. An institution may, by this potential volatility and its extensive geographical reach agreement and deposit account control to open the practice of personal meetings and involve the exchange of paper correspondence is expected. COMPLIANCE / LEGAL RISK Compliance and legal issues arising from the rapid growth in usage of e-banking is based, and the differences between electronic and paper methods. E-banking is essentially a new delivery channel where the laws and rules that may govern the electronic delivery of certain financial institution products or services to be ambiguous or even developing. Governing laws and regulations, consumers bargaining, require specific types of disclosures, notes, recordings or tours of conditions. These conditions also apply to e-banking and federal banking agencies continue to update consumer laws and regulations, the impact of electronic banking and online customer relationships to reflect. STRATEGIC RISK A committee should understand the financial institution and manage the risks that are associated with e-banking services and the emerging risk management costs against the potential return on investment-bank Offered in essential services evaluated. Poor e-banking planning and investment decisions are to increase the strategic risk of a financial institution. Early adopters of the new e-banking services can be as forerunners who may expect to establish the needs of their customers, but by then incur higher costs and increased complexity in their decision. REPUTATION RISK One institution, e-banking services to offer, especially the more complex transactional services and significant increases in its level of reputation risk make risked. Some of the inputs, which e-banking affect the reputation of an institution may include, loss of confidence due to unauthorized activity on customer accounts disclosure or theft of confidential customer information to unauthorized parties(e.g. hackers), failure to marketing requirements, supply, failure to provide reliable service on the basis of the frequency, or duration of service interruption, customer complaints about the difficulty in e-banking practices and the inability of essential services desk to resolve problems, and confusion between services that are provided by the financial institution and the services which has been supplied by other businesses, which has been linked from the site. d. Purpose of Study E-Commerce revolutionized the way business is headed. New business models to replace outdated and organizations to think of business processes and customer relationship management strategies drafts. Banks are no exception to this transformation. This study examines the views of bankers on providing banking services to help customers use the tissue. Specifically, it speaks expenditure, such as the strategic need for Internet banking, its effect on client-bank relationships, and the experiences of customers in internet banking. Advantages of internet banking to banks I. Cost savings Orr (1999) states, the electronic processing dramatically reduce the cost per procedure, according DiDio (1998), the average transaction cost at a full service bank about $ 1.07. It reduced to $ 0.27 an ATMS and falls to a penny if the same transaction is conducted on the fabric. Also, there are opportunities for banks to hand over customer invoices electronically. The cost to deliver invoices to be electronically much lower than when the bill was in paper form, which has been delivered through the mail. Irvine (1999) states, the electronic bill presentation costs 40% less than paper delivery. These cost savings can offer customer pays, and similar reduced costs of the banking system and still provides effective and differentiated services. II. Loyal customers Loyal customers have in a new study that was conducted by Forrester Research, 61% of respondents claimed that if their banks offered financial services that they wanted, they would prefer the service of the Bank use. With this knowledge of the Offering consumers interest in mind to move banks, a hub of financial services including bill presentation and payment, financial planning, estate planning, insurance, loans, and brokerage services. The Internet allows for these converging financial services not previously available in one central location. III. Offer additional services Do you offer additional services as mentioned above, to move many banks to offer customers a financial portal? This portal concept offers banks a new role in the business of serving customers. Simply an Internet presence has not supplied one income stream banks. However, by offering a wide array of products and services that can benefit from internet banking integration. By creating financial portal where consumers can manage a wide range of financial activities, such as stocks and mortgages, banks can benefit from offering Internet capabilities to help customers (Wah, 1999). IV. Internet Profit Generation E-commerce, if properly integrated into existing banking operations can lead to significant cost savings and higher profitability. Find cost savings due to automate customer negotiations, such as fund transfers, payments, account balance inquiries etc. Strategic alliances with insurance companies, mortgage companies and stock brokerage firms can lead to additional business opportunities that will otherwise go unfulfilled. In addition, banks can retain customers more effectively if offering services, the value-addition are. High-profit customers, which some studies suggest that entice the demographic of internet banking customers. Wells Fargo Bank online customers have an annual median income of $ 75,000 with higher education levels than the average wells Fargo customer (Hoffman, 1999a). Also this group of customers is more profitable than the bricks-and-mortar counterparts. They generate 50% more income than the average wells Fargo customer, holds a 20% increase in balance, yet uses 50% product, and its wear rate is 50% of the total wear rate. Furthermore, on average, it costs 14% less compared to those customers bricks-and-mortar customers (Time well and Kung, wait 1999). Advantages of internet banking to consumers A. Cost savings Cyberspace is cheaper to operate than brick and mortar structure, and this cost advantage can often be further passed to consumers. The Internet Banking cost structure allows consumers to receive cost savings, and financial benefits for depositing online. A comparison of the (e-banking) and depositing one (parent bank a brick and mortar bank) offers an illustration of this point. For checking accounts Wingspan offers an interest rate of 4.5% interest, which is compared, one1%deposit.It also offers more options begins in the mortgage and insurance, with 60 loaning companies and 15 insurance salesmen. It also offers customers an advantage over to his parent in the field of electronic bill payment, which offers the service for no extra charge, while depositing, one invites $ 4.95 per month (, 1999). B. Access to additional services On Basic transactional web sites allows customers to check account adjustments, possession and new banking statements. Systems that allow customers to initiate negotiations on-line, such as transferring money between accounts or making payments, provides customers additional benefits. These elevated sites allow customers to pay bills to request and review loans and mortgages, credit cards and checking accounts. The financial institutions that offer extensive online services, well, are set to be a leader (Hickman, 1999). By offering this great umbrella of the service trust of one who pays the institution, these companies can save a larger share of the financial transaction from a customer. C. A good shopping stop: Banks, adds real time loan applications, added the ability to make IRA investments, the opportunity to trade shares through their websites. The tendency for flocking that is pays predicted to shape the future of Internet banking on. This concept of one-stop shopping is convenient and leads to more satisfied customers. 2. Literature review In literature review I shall discuss the following: a) Critical review of the literature as Use of relevant literature b) Evidence of understanding the ideas expressed c) Develop a critical focus Critical Review of the literature: Paying online or Internet offers consumers and business like the convenience of managing banking and financial responsibilities of home A. Online banking can also be a lifeline for those who can not leave his house, or may live in rural areas where access can be restricted to banks. To be able to check your bank, savings and justify Digital Banking customers have a range of internet banks have to meet those needs to ensure customer loyalty. Consequently, change Internet banking services in general, and on finding feedback paid online services are important to this book. Our investigations of online banks allow you to compare internet banks and to find the best service that is available with investigations of Lloyd internet banking, a paid online, a HSBC and Barclays internet charges among others. If you are Internet banking, please send us your internet, the review and makes known repaying us your thoughts and experiences of the personal Internet banking INTERNET BANKING SERVICES AND FEATURES i. Checking your balance and statements online ii. Fund Transfers iii. Bill Payments iv. Managing savings and current account v. Cards service vi. Order cheque and books request vii. Please ask for stop cheque payments viii. Fixed Deposit accommodation ix. Requested by the Statement Internet distribution strategy decisions These are the key strategic decisions for e-marketing with strategic choices for traditional marketing. They engage in selective target customer groups and giving, how to deliver value to these groups. Segmentation that aim is to have differentiation and positioning of the entire key to effective digital marketing; the main thrust of the e-marketing strategy is takes decisions on the selective targeting of client groups and different forms of value delivery for online channels. It is a similar issue with e-buyer strategies see link at the footer of the article. In an e-marketing context, we can say: a. E-marketing strategy is a channel strategy. b. Specific e-marketing objectives must be set adoption rate of e-channels have been compared to other channels for different audiences. c. E-channel strategies thrive on creating a different value for all parties to a negotiated. d. But E-channel does not exist in isolation, so we still need to manage channel integration, and acknowledges that the adoption of e-channels will not be suitable for all products or services or generates sufficient value for all partners. Thus E-marketing strategy is defined as we should: a) Communicate the benefits of using e-channel. b) Guide Put priority on public or partners for e-channel adoption of third targeted. Set priority products and has sold through e-channel purchased. c) Achieve our goals through e-channel tactics for online customer acquisition, conversion (conspiracy) and retention. A strategic option exists to replicate offline segmentation, which aims at a differentiated manner, and in the online channels. While this is relatively easy to run the company will likely lose market share, compared with more nimble competitors who modify their approach to online channels. An example of a strategy makes no grocery shopping, where some pet shops have released to all parts of the country or not, not providing the service in general. These supermarkets will lose customers to the most enthusiastic adopters of online channels, such as Tesco and Sainsbury; the victory will be difficult to be back sides in future. Segmentation / strategy aimed at company online customers have different demographic characteristics, needs and offline behavior to its customers. It follows that different approaches may be required to segmentation, and specific sectors may be choosy need to be targeted. The manner / the online product differentiation strategy competitors and service offerings are often different in the online environment. Develop a suitable online value proposition is as below describe an important aspect of this strategy. Has many examples of online information is based on the lower costs achieved distinction in and retaining online customers, which are then passed to customers. Examples include: Retailers offering lower prices online. For example Tesco (price promotions on selected products), Comet (discounted when compared to in store on some products) Lower cost airlines offers flights to online bookings. Examples: easy Jet, Ryan air, BA. Financial services firms offering higher interest rates on savings products, its lower interest rates on credit products such as credit cards and loans. Examples: Nationally, federal and Leicester. Mobile phone network provider or Utilities, the lower cost of fares or discounts offered for customer accounts that are managed online paperless billing. Examples: O2, British Gas. Other options for differentiation are available on-line for companies where their products are not suitable for sale online, such as high value or complex products or FMCG brands sold by retailers. These companies may use online to add the brand or the product value by provide additional value services or different types of experience. 1. Online CRM strategy: It will focus on various aspects of the customer life cycle for online customers in terms of: Acquisitions Strategies, attract new customers to a company, and existing customers about online channels, to migrate. Separate targets should be set for each. Retention using online channels proliferate, retention, and value of the customer company. Reactivation encouraging continued use of online channels from customers that have passed, for example, had online or home shopping service, buys the service, but has now stopped. This may be driven by setting targets for% active customers. Customer knowledge (familiarity) learning more about the customer through profiling and monitoring of behavior. 2. Online value proposition strategy: It defines the value proposal for the acquisition and retention, engage with customers is online. Close communicative and promotional incentives which use to encourage trial. Program also defines the value creation through time for example, white papers are available for example monthly or seasonal sales promotions made. 3. Online has targeted range strategy. Objective: Communicate with relevant online audiences to achieve communication goals. The communications typically include: building brand awareness and favorability build impulsive online purchase, growing offline purchase intent, list or migrating existing customers to online channels. Focus: New customer acquisition: Communication strategy with selected sections of online customers through media buying, PR, is to sending e-mail, viral campaigns and sponsorship or partnership arrangements. Driven by goals of the online audience is share and number of visitors placed in different sections. The strategy may involve: A. To drive visitors to the company office B. To achieves brand awareness and interactions on third sites. C. Building brand awareness, favorability and purchase intent on third may be a more effective strategy for low participation FMCG brands, where it will be difficult to encourage visitors to the site. D. Offline has targeted range strategy. Encourage Target: Potential customers who use online channels that Visit site and performed where relevant. Focus: New customer acquisition and migration of existing customers online. Strategy to communicate with selected customers, divide by offline direct marketing, media buying, PR and sponsorship, driven by goals of the online audience share and number of visitors placed in different sections. E. Offline Sales Impact Objective Strategy: Use on-line communications, sales achieved by offline channels. Focus: Achieving sales off-line (new or existing customers may be defined) strategy, such as on-line communications through the website and the e-mail offline sales i.e. influenced by phone, mail or in-shop can. F. Online Sales Efficiency Strategy Objective: Job visitors turn to buy Focus: Achievement sales online (may encourage new or existing customers to be) For transactional e-commerce jobs, a strategy that point visitors to purchase online mercantile, promotions, etc. For other types of agencies multiplying conversion factors leads. As part of this strategy options to convert visitors to action, exploring reduce (or attribution installments) is, i.e. first-time buyer promotions, job design improvements, website and landing page optimization. Triggered event, has e-mails are used automatically to convert potential sales to sales. Introduction: Although cost in retail banking in Europe is confronted with quite similar challenges and changes that are changing responses considerable. 1. This shows the changes in the strategic orientation: Which are apart from walking organization structures by individual banks and different characteristics of national markets? The operating authority and the capitalization of banks play an important role in the selection of a suitable banking strategy. Country-specific factors include customer benefits, the degree of competition and informal legal framework, among other things, a. This article focuses on retail banking strategies. The emphasis is on retail banking in the broadest sense of the word. In fact, many banks have re-discovered in the retail cost, which pays for the collapse, charges of operating and investing activities and the fall in stock prices over the last few years. In section two we begin with a brief summary of known trends in banking. Sections three to four focuses on domestic and international banking strategies, respectively. Both sections have the same statement. The first part describes the retail banking strategies in general. The second part of the business with strategic positioning of the Rabobank Group and explains how Rabobank Group with these general trends and challenges overcome. 2. General trends in European banking Which will be depositing the Europeans who pays the countryside, continue to experience dramatic change over the next few years (see McDonald. Trends affecting the banking industry include privatization, regulation and supervision, demographic factors, a technological innovation yet the EMU and the importance of propagating sustainable banking. The privatization of banks is high on the agenda in France, Germany and Italy. As the influence of government relations in competitive weight loss financial sector, and in the banking industry in particular, is experiencing significant change. Developments in regulation and supervision affect the banking industry through various Channels. It was not until deregulation of the financial sector will continue to eat away the barriers that deny access to the market for new suppliers of financial products. On the other hand, we see an increase in national legislation, particularly in the area of consumer protection. Regarding supervision, the new BIS capital adequacy rules, tremendous impact on the all banking business have. The combination of an aging population in Europe and financial constraints on state pensions will be a surge in filling retirement benefit plans to produce. These various developments are the implications for traditional forms of saving and, therefore, for the financing activities of banks have. In this respect, an analyst strong growth among institutional investors, including pension schemes before. 1. Does German bank Research for an analysis of banking strategies in European countries. 2. Argue that technological developments are fundamentally changing the cost structure, output mix and distribution channels of banks. Actually, he goes too far say that the developments in information technology the most fundamental force for change in the financial sector. Those procedures for deeper and more liquid markets resulting from EMU main euro will continue for some time. These will increasingly cheaper and easier for medium and large corporate do, raise money directly in these markets instead of borrowing from banks. Finally, the growing importance is sustainable banking is a tendency that can not be denied. Banks will judge on their apparent social and selected environmental responsibility by customers and investors. 3. All these driving forces behind the structural changes in the Europeans, pays the industry not only has an independent effect on the structure of the market, but also acts on each other and thus enhance can. These factors include far-reaching implications for the market structure, the characteristics, such as: concentration, capacity, competition, efficiency and profitability. There is competition among banks but also between banks and other things, the new financial intermediaries to be strengthened. 4. Internal strategy of costs in retail banking. This section describes strategies in general. The strategic vision and the election of the Rabobank Group are discussed in section 3.2. 3.1 Inside strategic options, strategies Deposit, improve performance, and grow in domestic markets, can in three Main categories are divided: To distinguish A. Cost reduction B. Income growth or organic C. Associations, and acquisitions and cost reduction frets A. Different costs, the strategies can reduce as regular as thin down, multi channeling, and outside-in and co-sourcing. Thin down refer to the assessments of banks of ways to improve their internal cost structure, and to increase efficiency. This takes place when economic conditions are unfavorable, and happens every few years. New elections are on priorities and the bands of the working staff is close been investigated by the bank. Other companies, banks tend to grow fat in prosperous times, is usually compensated for in an economic downturn. An additional driver for cost reduction is the current trend of changing distribution channels that are caused by ICT innovations. Banks will be forced to invest heavily in ICT to stay competitive. Most banks now use a multiple approach in guiding the distribution of their products and the maintenance of their customers. Use branches, telephone, ATM and Internet all at once. The public has a massive shot to the new (direct) channels, which have r educed the number of visits to the bank itself, the development of customer and a blueprint for the future. This change provides customers preferred a great opportunity to reduce the cost of relatively expensive branch network to. Many banks are therefore currently re-examining their distribution processes. However, ICT investments are high and therefore it is increasingly important for banks to organize their back offices in the most effective way. Sufficient scale to reduce unit, or transaction costs are the key. Banks can choose from several strategies to optimize their back office activities: co-sourcing, in sourcing to stock and white labeling off. Co-sourcing is the caterer of back office platform with another bank. In sourcing means the back office operations for other parties running in order to realize sufficient scale. Outsourcing is the order of activities and buying them back from other companies. White Label states the production of products for others, mostly non-financial parties without a label. 5. within organizations, can set up to scale economies of shared customer service centers are met. Shared customer centers show the interlocking of back office operations of several subsidiaries. They can be seen as an internal coor in sourcing initiatives. 6. This strategy is described under the income increases, the strategies. Technically speaking depend, is the preferred strategy Art sourcing mainly on the shape of cost curves for a certain product, the position of the bank on that curve, and the price of the option. 7. There are three hypothetical cost curves from the shape of the curves may differ for different products, because the relationship between fixed and Variablekosten varies per product. The curves do not necessarily show a continuous downward slope with wax volumes, since likely at some point need new investments to be treated, propagation, characterized scale. Theoretically, therefore, can lead insourcing, intuitive results counter: multiplying unit cost. The position of the cost curves can also differ between countries, which are the main driver behind the current trend of outsourcing ICT activities to low wage countries such as India. Expect 2 Hypothetical devel

Jonas Salk :: essays research papers

Jonas Salk was born in New York City. His parents were Russian-Jewish immigrants who, although they themselves lacked formal education, were determined to see their children succeed, and encouraged them to study hard. Jonas Salk was the first member of his family to go to college. He entered the City College of New York intending to study law, but soon became intrigued by medical science. While attending medical school at New York University, Salk was invited to spend a year researching influenza. The virus that causes flu had only recently been discovered and the young Salk was eager to learn if the virus could be deprived of its ability to infect, while still giving immunity to the illness. Salk succeeded in this attempt, which became the basis of his later work on polio. After completing medical school and his internship, Salk returned to the study of influenza, the flu virus. World War II had begun, and public health experts feared a replay of the flu epidemic that had killed mil lions in the wake of the First World War. The development of vaccines controlled the spread of flu after the war and the epidemic of 1919 did not recur. In 1947, Salk accepted an appointment to the University Of Pittsburgh Medical School. While working there, with the National Foundation for Infantile Paralysis, Salk saw an opportunity to develop a vaccine against polio, and devoted himself to this work for the next eight years. In 1955 Salk's years of research paid off. Human trials of the polio vaccine effectively protected the subject from the polio virus. When news of the discovery was made public on April 12, 1955, Salk was hailed as a miracle worker. He further endeared himself to the public by refusing to patent the vaccine. He had no desire to profit personally from the discovery, but merely wished to see the vaccine disseminated as widely as possible. Salk's vaccine was composed of "killed" polio virus, which retained the ability to immunize without running the risk of infecting the patient. A few years later, a vaccine made from live polio virus was developed, which could be administered orally, while Salk's vaccine required injection. Further, there was some evidence that the "killed" vaccine failed to completely immunize the patient. In the U.S., public health authorities elected to distribute the "live" oral vaccine instead of Salk's. Tragically, the preparation of live virus infected some patients with the disease, rather than immunizing them. Jonas Salk :: essays research papers Jonas Salk was born in New York City. His parents were Russian-Jewish immigrants who, although they themselves lacked formal education, were determined to see their children succeed, and encouraged them to study hard. Jonas Salk was the first member of his family to go to college. He entered the City College of New York intending to study law, but soon became intrigued by medical science. While attending medical school at New York University, Salk was invited to spend a year researching influenza. The virus that causes flu had only recently been discovered and the young Salk was eager to learn if the virus could be deprived of its ability to infect, while still giving immunity to the illness. Salk succeeded in this attempt, which became the basis of his later work on polio. After completing medical school and his internship, Salk returned to the study of influenza, the flu virus. World War II had begun, and public health experts feared a replay of the flu epidemic that had killed mil lions in the wake of the First World War. The development of vaccines controlled the spread of flu after the war and the epidemic of 1919 did not recur. In 1947, Salk accepted an appointment to the University Of Pittsburgh Medical School. While working there, with the National Foundation for Infantile Paralysis, Salk saw an opportunity to develop a vaccine against polio, and devoted himself to this work for the next eight years. In 1955 Salk's years of research paid off. Human trials of the polio vaccine effectively protected the subject from the polio virus. When news of the discovery was made public on April 12, 1955, Salk was hailed as a miracle worker. He further endeared himself to the public by refusing to patent the vaccine. He had no desire to profit personally from the discovery, but merely wished to see the vaccine disseminated as widely as possible. Salk's vaccine was composed of "killed" polio virus, which retained the ability to immunize without running the risk of infecting the patient. A few years later, a vaccine made from live polio virus was developed, which could be administered orally, while Salk's vaccine required injection. Further, there was some evidence that the "killed" vaccine failed to completely immunize the patient. In the U.S., public health authorities elected to distribute the "live" oral vaccine instead of Salk's. Tragically, the preparation of live virus infected some patients with the disease, rather than immunizing them.

Indian or Singaporean English Essay

Indeed, language has been one of the most fundamental elements of culture. As such, culture and history brings about a language. However, in today’s society, English is slowly becoming a global language. This is to say, many people are learning English as their second language and because of this, dialects are starting to form out of English. These smaller versions of English bring to it the culture of those trying to learn it – whether they are African-Americans, Hispanics or Asians. Because each is unique and is a reflection of different cultures, the label of Standard English used by Americans is a bit inappropriate. To say that there is one standard means that the others are less formal or different from the norm. In fact, it is not the deviation from the standard that sets these apart but culture and history, which is brought about by these dialects. For me, Hispanics speaking English brings into the language the passion and intensity of the Spanish language. It should not be looked down upon as is the case of Ebonics or Black English. Some words that are not normally used by pure white Americans may be included in such dialects but it is not because it is slang or informal, but because it is a reflection of the heritage that speaks them – whether it be African Americans or Hispanics. People should be proud of how they speak even though it may not be classified as â€Å"standard† because the way they speak shows who they are. In learning English, it is not good to simply copy how the majority speaks English but to learn the language but still let our native culture and heritage to shine through. This is why I feel that it is very appalling when people think a dialect is uncultured or uneducated when in fact it is simple a different kind of culture and education that is being shown by the dialect. In fact, the assumption of a â€Å"standard† only means that the people who define which are the norms are the ones in power. They use â€Å"standard† English and therefore, they want their type of language to be the best. They themselves are proud of their way of speaking and want everybody to understand the beauty of their type of English. However, this is also the case for everyone. Now, if only minorities would see their dialects in the same way then they too can consider their dialect as, not only valid, but also equally respectable and normal. Growing up and learning English as my second language has helped me gain a respect for my Hispanic-Anglish language. It shows that even if I speak a different language than my native tongue, I am still able to hold on to who I am and still my culture and history is brought out whenever I speak. This certain kind of pride helps me to feel respected and part of the norm. However, I know that society is a tough crowd. Even though I may feel my brand of English is beautiful and at equal footing with the â€Å"standard†, officially, I know that there is a certain type of success associated with some variations of English. The language as spoken by Americans or English will still be considered as better and more educated by most people. That is why I am hoping my daughter will be given the same benefits as local Americans or naturally English speaking people because her first language and my husband’s first language is English. I do not feel there is something else I can do to change this fact, since I know it is integrated already into the mindset and system of society. It is institutionally and culturally accepted. However, for me who is learning English, I do not feel compelled to make other people speak â€Å"standard† English in order to treat them better or to look upon them with more respect and/or admiration. I know for a fact that most people learning another language puts in the time and effort that deserves such respect and/or admiration. Therefore, I am not afraid to show and give it to them. I do hope that one day, the people who are naturally speaking English, can look upon those studying and taking English as their second language at the same level. Some words may be different. Some accent may be present. But the fact of the matter is, English is just an expression of emotions and feelings and thoughts and opinions. It should not be a means of segregating people and classifying them as a lower class or a less educated class. In fact, it should be the opposite. Language should be used to connect people and to integrate different experiences and culture. The fact that people like me are studying English bringing in our experiences and culture to it means we are breathing in new life to English and enriching it. Even people who are not in America who are adopting English to their own language commands such respect. Indian or Singaporean English have become an entity of their own. They bring in new words and means of expressions while retaining English as the backbone of the new language being developed. This is a means of enriching English instead of breaking it down and destroying it. Instead of just carrying the same expressions and words, the exotic experiences and everyday lives of these foreigners are forging with English and therefore, creating a livelier language. People who speak English in their own land while keeping intact their own first languages therefore makes English a more global language and are uniting the world and making people feel closer and more connected with each other.

Relapse Prevention Plan Essay

Jed. a 38 – twelvemonth old welder. enrolled in the intervention centre after his apprehension ensuing from drunken drive ( DUI/DWI ) ( National Institute on Alcohol Abuse and Alcoholism. n. d. ) . His attorney has advised him to halt imbibing and acquire intervention until his test day of the month. which is in approximative two months. Jed does non believe that he will function any gaol clip. but feels that intervention could assist beef up his tribunal instance ( National Institute on Alcohol Abuse and Alcoholism. n. d. ) . In this paper. I will make a backsliding bar program that will help Jed as he enters into his intervention plan. This paper will besides demo ways to place the warning marks of backsliding. A backsliding begins long before the individual really picks up a drink or drug ( Substance Abuse and Mental Health Services Administration ( SAMHSA ) -Department of Health and Human Services. 2007 ) . Most adept gradual warning marks that revive denial and consequence into intense hurting calls for self-medication with intoxicant or other drugs or both which is fundamentally a baronial thought. It is non a witting undertaking. The warning marks in this instance are known to develop spontaneously and instinctively. Owing to that fact that non many retrieving people are ever taught on the best ways to acknowledge and mange backsliding warning marks. they are non able to place them up to the point when they start experiencing intolerable hurting. Measure 1: Stabilization Relapse bar planning will most likely non work if the relapser is non sober and in control of himself ( Addiction in adult females. 2010 ) . Detoxification and soberness are really critical for the backsliding bar program to work successfully. Having in head that most people who relapse are toxic. even if they are sober. it will still be really hard for them to believe clearly retrieve things and pull off their emotions. The symptoms would declinein any instance the individual gets isolated from the society or when he undergoes stress. It is advisable to travel easy and concentrate on the rudimentss and in this instance. the inquiry here should be â€Å"What is it that you need to make to avoid imbibing today? † Measure 2: Appraisal This measure aims at placing the progressive form of jobs that did ensue into the past backslidings and so happen solutions to the hurting ensuing from such jobs. This would be accompanied by the Reconstruction of the current jobs. the intoxicant and substance usage history. life history and retrieval backsliding history. Through the Reconstruction and presentation of jobs. the now and here issues that stand to do immediate menace to sobriety can be pinpointed and crisis programs developed to decide such issues. Measure 3: Backsliding Education Relapsers have to be familiar with the backsliding procedure and the best ways to pull off it. Involving the household and other patrons is a great thought. The instruction should endeavor to stress four chief messages: First. backsliding is an ordinary and a natural procedure in the recovery out of the chemical dependance. One should non be ashamed of it like in the instance of Jed who â€Å"gets jumpy† when he tries to remain off from imbibing. experiencing â€Å"closed in or like he is suffocating† . He besides can non conceive of how to explicate to his brothers why he is non fall ining them in the bars. Second. people are non all of a sudden taken rummy. There are gradual warning mark patterns that indicate they are easy cropping in once more. Such marks can merely be recognized when one is sober. Third. after they are identified. the retrieving persons can acquire to larn how to pull off such backsliding warning marks when sober. And the last 1 is that hope is existent. Jed one time attended a few AA meetings. but did non experience that AA was helpful: â€Å"It was listening to a batch of cats whining†¦ . † This should and will most likely alteration if he attends a talk that describes the typical warning marks that precede backsliding to chemical usage. Measure 4: Warning Sign Identification Relapsers should be able to find the jobs that resulted into backsliding. The chief aim here is to name personal warning marks that made them travel from a province of stable recovery all the manner back to chemical usage. There is barely of all time merely a individual warning mark. Normally a series of warning marks develop one after the other to make backsliding. The cumulative consequence is what wears them down. The ultimate warning mark is fundamentally last blow. Unfortunately most relapsers think it is the last warning mark that caused it all. For this ground. they tend to presume the early and more delicate warning marks that leads to the concluding catastrophe. Measure 5: Follow-up The warning marks are unbound to alter with advancement in recovery ( Field. Caetano. Harris. Frankowski & A ; Roudsari. 2009 ) . Each of the phases involved in the recovery procedure has typical warning marks. The ability to cover with the warning marks of one phase of recovery does non warranty that one will cognize how to pull off the warning marks of the following phase. The backsliding bar program hence has to be updated more frequently which should be ; monthly for the first three months. quarterly for the first two old ages. and yearly thenceforth. Name now for immediate backsliding bar aid. MentionsAddiction in adult females. . ( 2010 ) . Harvard Mental Health Letter. 26 ( 7 ) . 1–3. Field. C. A. . Caetano. R. . Harris. T. R. . Frankowski. R. . and Roudsari. B. . ( 2009 ) . Cultural differences in imbibing results following a brief intoxicant intercession in the injury attention puting. Society for the Study of Addiction. 105. 62–73. National Institute on Alcohol Abuse and Alcoholism. ( n. d. ) . Case examples. Retrieved March 28. 2010. from hypertext transfer protocol: //pubs. niaaa. National Institutes of Health. gov/publications/Social/Teaching % 20Case % 20Examples/Case % 20Examples. hypertext markup language Substance Abuse and Mental Health Services Administration ( SAMHSA ) -Department of Health and Human Services. ( 2007 ) . Retrieved October 31. 2010 from hypertext transfer protocol: //www. Organization of American States. samhsa. gov/nsduh/2k7nsduh/2k7results. cfm # 2. 7 Class: Essay Alcoholic Anonymous. ( 2014 ) . About AA meetings [ Newsgroup remark ] . Retrieved from hypertext transfer protocol: //www. aa. org. au/new-to-aa/about-aa-meetings. php Capuzzi. D. . & A ; Stauffer. M. D. ( 2012 ) . Foundations of dependence guidance ( 2nd ed. ) . hypertext transfer protocol: //dx. Department of the Interior. org/1009-0001-1763-00001764 National Institute on Alcohol

Eddie George essays

Eddie George essays The question for my report is, What impact has Eddie George had on sports. Eddie George played a big role in the world of football. He and Steve McNair led the Tennessee Titans to the Superbowl, but they lost. Eddie George was 8, just another young kid on the neighborhood playground who fantasized about winning the Heisman Trophy, when his mother, Donna, began to get his life in the order she wants him to grow up in. "Eddie would never stop," said Donna's mother, Jean McCarthy, whose yard in suburban Abington Township, served as one of her grandson's playgrounds. "His friends would be saying, come on, Eddie, we gotta rest, we gotta rest, but Eddie would say, no, no, we gotta play, we gotta play. "He was always running," Jean McCarthy said. "No surprise to me he turned out to be a running back."(7) As Eddie was growing up, he put team goals before his. He wanted to play football, he wanted to go to college by playing football, he wanted to win the Heisman Trophy, and he wanted to play in the pros. His mother Donna said, " to fulfill those goals, you have to build up your character." She was the "architect" in the family. Eddie, 22, and his sister Leslie, 25, who works for an insurance company in suburban Philadelphia, grew up in a single parent household, after their mother separated in 1980 from their largely absentee father, also named Eddie. They were later divorced, and Donna said that Eddie's relationship with his father remains distant. (5) However, "the single- parent" is misleading for despite the circumstances, Eddie and his sister were reared in a structured, loving and religious environment, not only by their mother, but by her parents Fred and Jean. Jean usually was there to help during the years that Donna worked two and sometimes three jobs. She was determined to do more than make ends meat. Their mother was a very busy woman; for the first nine years of Eddie's life, she was a productio...

Bread Mold Lab Report Essays

Bread Mold Lab Report Essays Bread Mold Lab Report Paper Bread Mold Lab Report Paper The purpose of this lab was to test the effect of water on bread mold growth. Hypothesis: hypothesized bread mold would grow faster if the bread was exposed to water. Materials: 1. Bread 2. Plastic cup 3. Water 4. Rubber band 5. Plastic wrap 6. Light 7. Scale 8. Seizers Procedures: Day 1 1. Cut two pieces of bread 1 belly 2. Place the beard in two separate cups 3. Put 1 1 drops of water on one of the pieces of bread 4. Cover cups with plastic wrap 5. Put rubber bands around each cup 6. Place cups on scale to weigh them Day 2 . Observe the mold or any changes to the bread 2. Reweigh bread to see the difference in weight 3. Record your data 4. Dispose of the bread and/or of the mold Data: Both pieces of bread were stale. There was no bread mold on ether pieces of bread. The bread stayed the same size. No change in the color of the bread. Weight of bread before and after a week I Before one week I After one week Dry bread | 5. 5 grams | 5. 5 grams I Moist bread 5. 5 grams 6. 0 grams I Questions: 1 . What does your data show about the effect of your Variable on Rhizomes Roth? The data from my experiment show that 11 drops of water does not help the growth of bread mold. 2. Were you surprised by the results of your experiment? Yes, I was surprised because I thought water would accelerate the growth of bread mold. 3. What part of designing and carrying out an experiment did you find difficult? This was not that hard of an experiment, I did not find one part to be more difficult than the any of the other parts. 4. If you were to do further research into bread mold growth, which of the other variables old you be interested in testing. I would be interested in air as a variable because think it affected my research on water and bread mold. Conclusion: The data does not support my hypothesis on water making bread mold grow faster. I dont think this was a good experiment because we put the bread in an airtight cup by covering the top with plastic wrap and putting a rubber band around it. If this was useable data it would show the 11 drops of water was not near enough water to make bread mold grow any faster.

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Week 2 group assignment Essay Example | Topics and Well Written Essays - 500 words

Week 2 group assignment - Essay Example This might be because they knew that there current warehouse would not process any problem for the Medical Instrument Inc. hardware, thus restraining from entertaining any arbitration clause. Another reason might be that, in spite of arbitration being of low cost, CP perhaps didn’t see the need or any problem which may call upon such procedure. Nevertheless, the very next lease contained the formerly absent arbitration clause. (Cross, 2011) This step could mean that Commercial Properties either knew about the defaults of their new warehouse or had projected that the coming years might be less difficult with MII if they have an arbitration clause in an agreement. As the main aim of arbitration is to ensure that the opposing parties can settle any dispute without rushing to a trial and can overcome a conflict with the presence of a third party, which will also be able to make a neutral decision based on the evidences and witnesses. Hence, the decision to include the clause in new lease seemed viable. Travelling to California for the arbitration procedure will be essential for MII because it’s mandatory that any tenant who needs to have an access to the attribution clause will have to go through the CP’s home state of California. (Cross, 2011) On the surface there is no reason to rule the arbitration clause invalid, as the MII signed the lease papers without any objection. Moreover, MII also informed the CP about the leakage as soon as the problem surfaced. On the other hand, this clause can also be declared invalid if the CP claimed it to be too burdensome (Cross, 2011). Q3. The two cases concerning the arbitration method are Brower vs. Gateway Inc. and Green tea Financial Corporation vs. Randolph. Both the two cases discussed the dispute and how arbitration clause worked out form them. However, both the cases did not held much relevancy for the CP vs. MII case as the former cases already had an agreement on arbitration clause from the start of the

Employee Motivation Term Paper Example | Topics and Well Written Essays - 500 words

Employee Motivation - Term Paper Example As such a firm therefore can take advantage of the diversified base of employees to better tap into the local knowledge and better equip themselves to face the challenges in the market. Promoting diversity therefore can effectively provide organizations a competitive advantage in terms of having a diversified workforce. One of the key benefits of the diversity therefore is that organizations can tap into the local knowledge and therefore can allow the flourishing of innovativeness and creativity within the organization. However, diversity can be difficult to manage due to cultural differences between the employees. The traditional hierarchy of the management within organizations therefore may not be able to completely comprehend the challenges posed by a rich cultural diversity within the organization. As such diversity can also result into the creation of different power structures within the organization based on ethnic and cultural backgrounds of the employees. For example, it may be difficult for a manager to manage employees belonging to different ethnic and cultural groups owing to the fact that the manager may be unaware of the cultural norms and practices of different groups of employees.

Decision Making Research Paper Example | Topics and Well Written Essays - 750 words

Decision Making - Research Paper Example Ron felt the cost of buying that additional equipment is higher. As the machine has been bought a year back inclusion of these items should be of some use. It should not incur an extra cost. The equipments have to be effective in improving the machine's performance. Ron hesitated to accept the deal in the beginning. If the item is bought, there should be some savings in the cost. The cost of the parts was higher. Although the sales person was explaining Ron about its uses, he was not sure of going in for that product. The sales person then explained Ron about its total cost. The cost seemed to be higher but the sales person then said the initial amount is high. But this investment will be of great use. The initial cost is more but the average amount of that equipment will amount to $1 per day. The executive said this cost will be less than the normal money spent for a soda can. Then Ron started thinking about its benefits. As it was impressive he thought investing some more on that machine will definitely help in the future. Hence he decided to buy the additional equipments. Ron's decision will help in the longer run of the machine, which is an advantage to the company. The decision taken by Ron will be beneficial as it ensures some advantages to the machine and the company. Any decision cannot be taken without analyzing its pros and cons. (Lynch 2009).Equipment cannot be bought since it will be of some use which may lead to some problem in the future. The way Ron handled the situation was correct as getting an item without knowing its purpose and use will not be of any help. As a production manager of a company Ron has some responsibilities of selecting and getting goods that should bring profit to the organization. It is difficult to come to a conclusion without thinking how far it will help the existing machine. In the beginning of the meeting Ron listened to the sales executive's ideas and her opinion about the equipment's use. Then he thought about the various criteria like cost and life of the machine. The presentation had the entire details of the item, the advantages and the features of it. It also showed the options and it clearly explained its usage. Then Ron felt the cost of the additional parts is higher than expected. The sales person started explaining that investing in this equipment will help in increasing the production and the average amount will be $1 a day. Ron then gave it a thought whether it will be worth investing a huge amount on a machine that has been bought a year back. Considering all these options, Ron finalized the purchase of that equipment. The major reason for buying this item is that it can increase the production and will help the company in getting more profit. Although Ron was hesitant to purchase the additional item, after listening to the executive's explanation he changed his decision. Decision has to be taken keeping in mind all its consequences and effects. Any decision may have either a good or bad effect. Proper analysis has to be carried out before making a decision. Decision is made depending on the situation and the issue. The decision made cannot be favorable for everyone in all circumstances. It may lead to improvement or adverse effects on the situation. In this scenario, Ron had to consider several aspects as any wrong step will land them in problem. Any decision cannot be taken as per an individual's wish. Especially in companies a decision has to be made only after

Strategic Management Essay Example | Topics and Well Written Essays - 3000 words - 36

Strategic Management - Essay Example ompany, illustrating the advantages and disadvantages, and the ways to address or mitigate the deficiencies so as to understand strategic management in-depth. The evaluated processes include Yips drivers of internationalization, Porter’s generic strategies and Bowman’s strategy clock. Microsoft Nokia is a multinational company that specializes in the telecommunication sector. Its main products include smart-phones, mobile phones and tablet computers as well as associated accessories that are meant for global market. Microsoft Nokia is a name that evolved after Nokia was acquired by Microsoft Company, a deal which was sealed in 2014. Microsoft has the right to use the name Nokia as long as the agreement holds water. This study is meant to strategically analyze the company’s operations based on three strategies or processes. Michael Porter (Cited in Tamwar, 2013) described a scheme that is used in categorization, which consisted of three types of strategies used commonly by firms to achieve as well as maintain their competitive advantage in contemporary markets characterized by cutthroat competition. The three primary generic strategies that were defined along two major dimensions of strategic strength and scope include: cost leadership strategy, differentiation strategy, and focus strategy. In terms of scope then the demand context of the firm’s product is considered whereas on the strategic strength context, the supply dimension as well as the key competency of the firm are considered (Tamwar, 2013). These three strategies are aimed at outperforming other firms in the same industry. Most authors refer to this as the Wal-mart strategy. It dictates that companies produce high volumes of standardized products that will take care of the scale economies. Tamwar (2013) suggest that products features should be low cost, no-frills, and has ease in manufacturing. The volumes will shadow the low margins in the long run. The cost leadership strategy aims at the

Cracking the Code of Change Essay Example | Topics and Well Written Essays - 1500 words

Cracking the Code of Change - Essay Example In most of the cases we see that change management is considered necessary and good (Ogbonna, and Wilkinson, 2003, p. 1151). The contemporary ideas for change reflect that the managers must be capable enough to plan out organizational changes and also be responsive enough to the changing environment. Organizational changes require large efforts and time of the managers as well as other employees. According to a British Survey, about 94 percent of the organizations experienced planned change in 1997 (Study, and Grey, 2003, p. 2). This study aims at discussing the change management theories and every other dimensions of change in the organizations. It would begin with a basic overview on change and the traditional approaches on change management in organization. Then the essay would lead the readers to the different theories presented by different authors on change and its strategic impact on the organization. The essay would also include the impact of change on the competitive advanta ge of the company by citing examples from the article â€Å"Cracking the Code of Change". ... Other authors have different perspectives. They believe that organizational change includes behavioral patterns of blocking higher performances of the organization and analyzing the consequences to understand the underlying values and assumptions. The secondary reason could be the culture, which should also be considered. There are numerous approaches to change or change management and many ways to categorize them. The two major ones are the Planned and Emergent approach. Since 1950s to 1980, the theories of organizational change were dominated by the planned approach. This was developed by Kurt Lewin and further revised by the Organization Development movement (Simms, 2005, p. 121). The planned approach focused on improving the effectiveness and the operation of the human resource of the organization. This could be done with the help of team based programmes for change management (Collins, 1998, p. 60-62). However, in 1980s the world received the oil shocks and this led to the sever e economic downturn in the western countries. In this scenario, it was absolutely clear that organization had to transform them to face the situations. In this situation the Planned changed started receiving criticism and questions were raised with regards to its effectiveness and efficacy. Against the backdrop of the economic downturns in the west, the Emergent approach began taking the position of the traditional change approach. This approach was based on the new economic situation of the market and organization found the touch of reality in this approach. The emergent approach viewed change as a process where individuals are the parts of the organization who deal separately with individual goals, one at