The once called beautiful Canadian Geese is now nicknamed the monster in Canada

The once called beautiful Canadian Geese is now nicknamed the monster in Canada. They are now the most widespread species of its kind in North America. They are turning into a continent- wide problem, which are causing people to be frustrated. The increase in their population is causing drastic measures. Their droppings are contaminating the environment. They are destroying plants and crops, and causing disturbances in the neighborhood. If no possible solution can be found to solve this problem, it can be a disaster. Canadian Geese were supposed to be an endangered species in the early 1900's due to the hunting of geese by hunters. (Shilts) There were hardly any geese left in the late 1970's until suddenly some were discovered again. Scientists were so overjoyed that they raised the geese in captivity and then let them go where they once lived. (Herbert) However this was a huge mistake. Their population had increased over the years. Not by a few geese more each year but 11, 000 to 70,000 estimated which was a noticeable dramatic increase. When the geese population stopped migrating, they began to double every five years. As a result, from 70,000 geese at the beginning, it has now increased to 3.5 million and more. (Herbert) The geese population had increased over the years because of a steady and large food supply and safely protected from the hunters. Another reason was due to decrease in predator numbers. The predators such as coyotes, cougars and smaller predators in cities and suburbs didn't usually attack Canada geese because of their large sizes. Secondly, hunting was also not allowed anymore in cities and suburbs so the geese could live for a long time and grow many healthy goslings. People also love feeding them and geese are not scared of humans anymore as they used to. (Herbert) As their populations increases, problems start to occur. They are contaminating our water supply with their filthy slimy green droppings. One goose poops 5-9 times a day, and imagine 80,000 geese contaminating the water supply, it could get pretty gross. Other problem with increased population is that geese love short grass near water. If the grass runs out, they go tearing up other people's lawns. Problems with the geese seem to get worse each year. The geese no longer fly in a V- formation, which is a sentimental symbol of the passing season. They now live as if they have adapted to life in our cities. They even forget how to migrate in winter. They have enjoyed their lives in the environment over the years, that they want to continue having a peaceful life, but would people allow it? The answer is probably not. That's what a lot of angry people are saying now. Farmers are mad at the geese for destroying their crops. Some countries have lost over 300,000 dollars in crops because of the Canada Geese. They eat all sorts of crops and in fact, they could wipe out a field in no time. (Herbert) People with nice lawns and yards definitely want the geese to move away. They pull grass out of the lawn leaving hideous holes on the ground, which do not please the homeowners. Angry drivers are not happy with geese causing traffic jams in the highways. When drivers honk the geese, they just ignore the drivers and even honk them back. Annoyed walkers are not thrilled to have droppings stuck to their footwear whenever they take a walk. A large number of citizens are not pleased with the geese. There are a lot of them around the cities and suburbs. People can't even have picnics without stepping on any geese droppings just like the joggers. School's sport teams sometimes have to cancel games since the field is too messy. People who love going to beaches can't go to them since the beaches are closed because of the droppings of the geese. (Herbert) In fact, if humans do not cut the numbers of geese, our water will one day be too sickening for humans to drink. Geese are now posing a health threat because they can carry germs like salmonella and giardia. (Springston) However, they don't pose as much threat as other wildlife animals. According to the rate for Canada geese, they are not measurable which means they aren't really dangerous. Nevertheless, they do make water dirty, which will still be a huge problem to humans. Lots of solutions are thought of to get rid of the geese without hurting them in any way. People try to make loud noises, spray the grass with some chemicals, and even make plastic owls to scare them. On the market, there are lots of deterrents to work against the geese. They make plastic alligators, chemicals, metallic, iridescent streamers and try to use swans. However, nothing lasted for long. Some thought of â€Å"shipping the geese off to a distant, remote the new home, clean up the dropping on the lawn and problem would be solved† (Bond). They even try to ship them elsewhere but it doesn't work at all. So now a broad, long-term strategy is being developed. However, there will have to be many more polluted lawns before geese and humans settle into peaceful co-existence. (Bond) Federal wildlife agencies, the companies who reintroduce Canada geese back to wildlife, want to trim the population which is 3.5 million and is still increasing by 1.16 million geese in the coming years. They will start at places where they allow permit lethal means, which means trapping, nest destruction and roundups. (Herbert) Some other companies want to increase hunting geese, which may be a solution but will need lots of money to do so. However, this creates lots of other problems because there are limits to killing geese. The geese are protected by the Migratory Bird Treaty of 1916, which limits hunting seasons and the number of geese an individual hunter may kill. (Herbert) Companies who are trying to prevent harming the geese are now trying to train dogs to chase them away. â€Å"In fact they are the hottest thing in goose management,† says an urban biologist John George. Using dogs to chase the geese away will be a good temporary solution. However it won't work for long because geese are smart birds. They will eventually find a solution to not get scared just like humans try to find a solution to eliminate them. (Miller) So after all, reintroducing geese back into the society may be a regret to a lot of people. Yet it is also the humans' fault for not watching them closely and carefully enough. Their droppings are infecting the environment, and are destroying crops, and causing disturbances in the neighborhood. They are part of a human problem that has gone wrong but one day, a solution will overcome the geese problem, making both the geese and humans satisfied.

Democracy in Pakistan-a Dilemma

Against the backdrop of recent surge in political temperature, speakers at a roundtable discussion forum stress the need for continuation of democratic process despite of all the current challenges faced by it. In a roundtable discussion forum â€Å"Political Expediency and the Future of Democracy in Pakistan† organized by the Center for Research and Security Studies (CRSS), at its office premises in Islamabad, issues and challenges related to current democratic governance and prospects of a democratic Pakistan were discussed in detail. Mr.Ahmed Bilal Mahoob, executive director, Pakistan Institute of Legislative Development and Transparency(PILDAT) opened the discussion with an overly optimistic note and observed: â€Å"Democracy in Pakistan has never been as good as it is today. † He noted that it is the first time in history of Pakistan that three state pillars, those are Executive, Judiciary and the Legislature are carving out their respective ways out of this challe nging political environment and it is a good omen for young democracy. In the past, judiciary was under the influence of executives, but now it is independent and assertive. Related essay: Pillars of Democracy in TanzaniaParliament in a democracy is always considered a vital state pillar, but again it tried to overpower the other state organs. Against this backdrop, during the era of current democratic government, the growth of all state organs is continuous and stable. Likewise, during current democratic rule, for the first time, Senate was chaired by an opposition representative. Then if we look towards media, we have a robust and independent media, which explicitly does not seem under the influence of government. Coming to the democratic governance, Mr.Mahboob asserted the notion that there is widespread political discontentment and disillusionment among the masses. And ironically, the people have directed all their criticism and scathing towards federal government and spared the provincial governments altogether, whereas under the 18th amendment, most of the ministries have been devolved to the provinces. Therefore when we disparage the federal gover nment, we should also vent some anger on provincial governments as well. Discussing the recent upsurge in political temperature, Mr.Mahboob stated â€Å"As we are nearing to the close up of this government, therefore, all political parties want to gear up the political momentum in order to gain mileage out of it in coming elections. He further continued by saying that â€Å"Almost all opinion surveys and polls in recent months suggest that the people are fed up by the present government— and want a change, so this upsurge is not abnormal and nothing is worrisome in it†. He narrated that when we talk about the freedom of expression, we generally take a pride after looking at the countries, which enjoyed sustained periods of democracy.And this is something that we should cherish, despite of all short comings. He termed the â€Å"Imran Khan phenomenon† as a harbinger of positive change in the political arena of Pakistan. PPP leader and former federal minister, Sye da Abida Hussain said that since inception Pakistanis wished for democratic rule in the country, and it is because, â€Å"Pakistan born out of vote†. But, she lamented that we have been scathing under long dictatorial rules for better part of our political history and there are reasons for it.She observed that though we as a nation may have developed liking for democratic rule, but ironically we lack political temperament. Mrs. Hussain said that the voices for change are getting louder and louder with the passage of time. She acknowledged that there is rampant corruption in the country and no state department is free of it. â€Å"State institutions should be established on the basis of equality, charter of democracy should be written by all the parties struggling for rule of law in the country†, she suggested. Every one of us talks about poor governance but nobody did anything† she lamented. She reiterated that we have to make the system more responsive through s ustained efforts for efficient democratic governance. Meanwhile, if we resorted for premature political solutions at this stage, then the future of democracy in Pakistan will be dark once again. She warned that the covert apparatus is once again out with its ulterior motives and the political parties will have understand its maneuvering for the benefit of democratic et up in the country. Former lawmaker from Swat, Mr. Adnan Aurangzeb said that in Pakistan â€Å"—the gap between political representatives and the represented is widening relentlessly† and this is not healthy sign for the future of democracy in the country. He underlined that there are structural problems, which are not letting the democratic culture take hold in Pakistan. He said that unfortunately, the legislators in Pakistan are not well connected with their constituencies, and therefore the people feel marginalized.According to him, there lies huge social, cultural, economic and political void between the rulers and the ruled. And this pertinent factor will continue to haunt the dream of a peaceful and prosperous democratic Pakistan. Participants in the roundtable discussion forum were of the view that there is need for a responsive democratic governance structure and without accountability the dividends of democracy will not trickle down the masses. And in consequence, the ubiquitous discontent will eventually lead towards the folding of the political system.

Explain and discuss the ways in which sociology and Psychology can Essay

Explain and discuss the ways in which sociology and Psychology can help provide a better understanding of Health and Health care - Essay Example In order to provide an in-depth knowledge, let us define first sociology, psychology, health, and health care. Sociology is derived from the Latin word socius meaning companion and the Greek word logus meaning study of (Taylor & Field, 2007, p. 3). As a discipline, sociology is the social scientific study of society including the interactions between people and society and the influence they imposed on each other (Hyde, Lohan & McDonnell, 2004, p. 3). On the other hand, psychology refers to the scientific study of human behavior which includes how an organism act, think, feel, learn, perceive, interact with others and understand themselves (Barkway, 2009, p. 2). Health is a holistic discipline and is defined by the World Health Organization in 1946 as â€Å" a state of physical and social well-being and not merely the absence of disease and infirmity† and health care refers to the delivery of health services of health professionals to achieve state of equilibrium (Harari & Leg ge, 2001, p. 2). Understanding the role of sociology and psychology to health and health care doesn’t end in knowing the core definition but rather, by careful analysis of the underlying principles, perspectives, alternative explanations, issues, influence on human behavior and general implications on the population to determine and entail the relationship between psychology, sociology, health, and health care. Human Behavior in Health Care Settings In a health care setting, health providers deal with people of different behavior and beliefs. Most of these people have complicated illnesses and behavioral reactions toward health care delivery and settings vary. Human behavior towards health care settings depends on several factors. It may be political, social, economic, and environment. There are culturally held beliefs about illness, disease prevention, treatments, as well as appropriate health behaviors and identification of the sick role. Health care providers must be aware of a person’s cultural norms to avoid culture shock and must start at the most basic level to foster health-promoting behaviors towards health care. Let us take the example of human behavior with regards to counseling in a health care setting. People may imagine the scenario as two individuals facing each other. Most of the times, patients behave in a way to show their feelings and being uncomfortable at closeness but there are also individuals who feel comfortable about this closeness and likely behave to confide in a health care staff and asks questions. In some instances, patient’s find it comfortable to verbalize their feelings and reasons of their behavior with the health care professional informally, checking their intravenous infusion or massaging them, rather than the formal set-up which is a one-on-one basis, facing each other (Barkway, 2009, p. 155). Human behaviors directly affect the status of health care. Negative human behaviors such as distrust in healt h care

Green IT support in resolving environmental issues Research Paper

Green IT support in resolving environmental issues - Research Paper Example The adoption of Green approach to IT encompasses a broad range of activities that all possess the same objective: efficiency. Going Green has in recent years gained significance in recent years for diverse reasons, including revival in attention to environmental concerns and the confirmed cost savings that accompany green initiatives. This paper highlights the significance of Green IT in addressing the close connection between the environmental, economic, and social concerns, especially in reconciling the planet’s environmental needs with development needs. The paper concludes that, despite the rebound effects cited to downplay the effects of Green IT, Green IT is indeed a perfect means of resolving environmental issues that organizations face today. Green IT support in resolving environmental issues Introduction Environmental and energy conservation issues have recently gained topicality within the global business arena. This has largely been fuelled by the reality of increas ing energy costs combined with growing concerns over global warming climate crisis, plus other environmental issues. Green IT may refer to three critical areas of research; IT efficiency in terms of energy, management of the lifecycle of IT that is eco-compatible, and IT as a phenomenon that enables green governance (Barney 1996, p.50). The design, manufacture, deployment, function, utilization, and disposal of information technology bear significant ramifications for the environment. Up to 70% of CO2 emissions form IT comes from data centers (Hart 1997, p.67). This can be minimized by virtualization altering from â€Å"always on† to â€Å"always available,† and minimal consumption equipment. Green Approach and Computing Green IT activities are directed at â€Å"greenization,† or reduction of emissions through the use of IT technologies. IT managers can play a significant role in aiding their companies’ implement a green approach towards the agency's comp uting since they bear a rewarding impact on both environmental and fiscal concerns. There are two critical roles played by the IT solutions, which include saving energy form IT devices themselves (of IT) and saving energy by IT (by IT). Green IT is characterized into two categories, namely: enhancing energy efficiency of IT equipment (PC, Server, Storage), datacenter, parts (semiconductor) and electronics (TV, DVD, Refrigerator); and enhancing energy efficiency of the society by employment of IT solutions in industries (enhancing the efficiency of a production process, in business (such as use of web meeting), in households (online shopping), and transportation (eco-drive) (Sharma 2000, p.682). The implementation of Green IT has been critical in mitigating the rising energy costs and environmental damage. Green IT solutions address a wide range of environmental issues targeted at gaining sustainability. Addressing Environmental Concerns by Use of Green IT In the contemporary society , the challenges to the environment are concise. They include the urge for clean water and air; reasonable and consistent delivery of energy; reduced fossil fuels supply; climate change and its inferences for future generations. As a result, energy and climate related issues have become top issues for some corporation’s strategic agenda (Molla 2009, p.2). Green IT solutions can aid clients to reduce costs and systematically minimize energy, water, e-waste, and carbon

Managing Creative People Essay Example | Topics and Well Written Essays - 2000 words

Managing Creative People - Essay Example Creativity means many things to many people, and it is not only found in engineering, art, and design teams within the company. It can also be found in finance and in sales and marketing, even in seemingly mundane jobs as administration, records-keeping, and logistics, now called supply chain management, a creative way of describing a complex process that is fast becoming a source of competitiveness (Tan, 1998). Creativity can be useful in developing new products, but it also helps save costs (see those suggestion boxes scattered all over the office), time, and jobs, raise revenues, increase output, motivate people, discover new customers, and keep old ones. In fact, the problem really lies not in making people exercise creativity, because they are normally eager to exercise this power that most humans possess. The real problems are: first, how to ensure that they exercise useful creativity; second, how to choose which of the 'creative' solutions will work; third, how to 'manage' the creative process so that those whose ideas are not accepted do not stop being creative; and fourth, how to turn creative ideas into profits for the company and its stockholders (Lapierre and Giroux, 2003). In this paper, we attempt to suggest concrete strategies to solve the problems of managing employee creativity with a few basic rules based on several decades of experience of what works and what do not work. We will refer to articles in journals, periodicals, and management classics from authors who have proven themselves in the past as competent managers. But before we begin, we need to keep two points very clear in our minds. First, we consider only an organization filled with people like you and me who think, breathe, move, and have the minimum of intelligence to be employed. These pointers on managing creativity may not work, for example, in a penitentiary work detail, or in a firm where the workers are "challenged" in one way or another. For examples like those, we need different models of management. Second, the creative people we want to manage are human beings whom we assume to be motivated to do well and contribute to the world by earning a decent living. Therefore, we are not talking of criminals or cult members who exercise their creativity in ways that are not considered normal. In other words, we want to discuss how to manage a group of psychologically balanced people who are intelligent and highly motivated to exercise exceptional levels of creativity in their ordinary work, a task that by itself is tough enough and guaranteed to make any well-intentioned manager challenged and equally creative. The Rules of Creative Engagement How does an ordinary manager handle creative workers We can follow a few basic rules. Don't Fake It Before he was hired as IBM's CEO, Louis V. Gerstner, Jr. was a McKinsey & Company consultant, then an executive in a company that sold credit cards (Amex), biscuits, and cigarettes (RJR Nabisco). Tapped to turn around one of the best technology companies, he admitted in his first interview for the job that he was not qualified because he lacked the technical background (Gerstner, 2002, p. 10). In fact, one of the first pieces of advice he got from his older brother (a retired IBM

Positivism Essay Example | Topics and Well Written Essays - 2000 words

Positivism - Essay Example Legal systems are not static, immutable structures but rather mutable, and ever-changing organisms. The fact that they are constantly changing means that some constancy as regards to the need to obey the "rules" of a legal system is needed. Otherwise there is chaos. The apparent paradox within the idea that "the mere fact that a rule is just or reasonable will not make it a law" and also, "nor does the injustice of a rule demonstrate that it is not a law" is in fact satisfied by an understanding that laws are, by their nature, limited in scope. Laws cover a finite number of situations whereas the experience of life for the series of individual human beings that make up a society is infinite. Thus it might well be "just" and/or "reasonable" to have a rule that people should be "kind to one another", but this will not make such a law feasible. Conversely, a rule that says that people of different races cannot marry (as occurred in the US South) is not made invalid as a law just because it is unjust. The morality (or otherwise) of a rule is, within the positivist sense, irrelevant to whether or not it is a law. It is a law because it is held within a complex legal structure that defines it as "law". If laws are essentially arbitrary in nature, why should citizens of ... The citizen gives up his "freedom" to do whatever he wants, and thus to break certain laws, in exchange for the government's promise to protect his/her safety. Thus a citizen stops at a red light - thus giving up his innate "freedom" to pass through it - in exchange for the government enforcing red light laws that will enable him to safely drive down the street when the light turns green. This is a very 'modern' theory of obedience to rules and laws, based as it is upon the idea that the government and its people have essentially mutual interests. Within Rousseau's vision, the State clearly exists to serve the People. Some earlier theories of jurisprudence relied upon more authoritarian principles of law obedience that, despite their age, still have relevance today. John Austin, with his The Province of Jurisprudence Determined (1832) suggested the idea of "habitual obedience", that is obedience given to a sovereign (or perhaps elected government) based upon a fear of sanctions. Crudely, people obey the law because they fear the consequences if they do not. On a superficial level Austin's ideas seem self-evident: people do avoid breaking the law because of the consequences if they do on an individual level. However, if a whole system of laws is based solely (or nearly completely) on "habitual obedience" then it is by nature fragile and ripe for change. A frightened people has no loyalty to the system of laws other than that which is forced upon them. If they get the chance to successfully rise up, or if another member of the ruling class sees a chance at taking over, then it is likely to occur. Habitual obedience occurs within totalitarian states and dictatorships, but these are often short-lived, while superficially

Differentiate between Ordained Local Ministry and Licensed Lay Essay

Differentiate between Ordained Local Ministry and Licensed Lay Ministry in the Church of England today. What theology underpins the distinctions - Essay Example In addition, the underlying theological perspectives shall be discussed. Despite the differences that are available among these ministries the purpose that they pursue in based on the doctrines of the Bible. Therefore, the difference that exists between these two ministries is geared towards complementing each other. The ordained local ministry (OLM) is a national movement that comprises of clergy that have been ordained but have opted to serve church at a local level. The individual intending to join should firstly inform the Bishop in that diocese that further informs the Director of Ordinands at Parish. The parish gets the mandate to review the individual’s request and make a decision whether to allow or disallow. There are diverse criteria that are considered before one can pass this stage. In particular, patterns of worship, problem solving, teamwork, leadership among other values are considered before one can be considered for the position. To prevent any conspiracy, whenever the Bishop wants to leave or retire, it is unacceptable for them to propose an individual into the ministry (Dewar 2000). On the other hand, the licensed lay ministry (LLM) is a ministry in the church that allows individuals that are not ordained to take part in church work. They are from any background, most of them having responded to a call from God to serve the church in various capacities. Once the individuals have heeded to the call of service, they are trained in theology and given the opportunity to serve the church. Their main assignments in the church range from pastoral assistance, evangelical work, leading in worship, teaching, preaching as well as liturgy work. However, they can engage in other activities according to their talents and the needs of the church. These individuals are not ordained hence; the scope of services is limited to some extent (Etchells 1995). The ordained local ministry puts much emphasis on the local situations in

Modern-day Slavery and abused domestic workers in kuwait Essay

Modern-day Slavery and abused domestic workers in kuwait - Essay Example There are several cases that domestic workers, who have been abused by their employers tries to escape and the Kuwaiti law allows the employers to sue these domestic workers for trying to abscond and they get these workers deported at the end of the day (Human Rights Watch, 2010). This trend can only encourage modern-day slavery in Kuwait as there have not been stringent laws to curb the excesses of employers that abuse their domestic workers. This situation is rather different from the one in the United States of America as the government of the country has made efforts to reduce the problem of modern-day slavery to the barest minimum. The US government has given the domestic workers the right to sue their employers whenever they feel they have been maltreated by them. Thus, the modern-day slavery in Kuwait seems to be more terrible than the one in the US and this is due to the fact that the domestic workers in US have the right to protest against harsh treatment, while the ones in Kuwait have not been granted that privilege (Human Rights Watch, 2010).

International business strategy Essay Example | Topics and Well Written Essays - 3000 words

International business strategy - Essay Example However, Anthony Salim and his executive leadership group believe that being flexible to these unpredictable and changing dynamics of international culture and business competition is the key to success. Bartlett, Ghoshal & Beamish (2008) identify the concept of the coordinated federation, which is essentially a conglomeration of pre-existing core principles that have found business success at the headquartered centre of the company and then distributed equally across international boundaries. The Salim Group takes the advice of Bartlett et al. in not taking this rather unproductive distribution of core principles and then forcing them throughout the transnational environment and the business’ multiple industries. Instead, Salim advises on being adaptable to changing market conditions. This flexibility is a success factor to be more responsive to the external market environment. For example, the Salim Group faced public backlash with perceived corruption from the Indonesian go vernment between the Salim Group about its investment banking practices (Dieleman, 2006) for divesting 107 different assets to the Indonesian government. ... Though this is only one scenario that occurred with the Salim Group, it indicates that regional government and other influencing bodies in the regulatory environment continue to change the internal dynamics of how the business is operated and/or divested. This is why Salim continues to travel, personally, to different regions of the world to gain an understanding of what is driving governmental forces or cultural forces in key growth markets or existing markets so that the business can be structured accordingly or new strategies developed based on primary data research analysis. This type of flexibility by taking a proactive stand to leadership and research is a key success dynamic. Since more than one legal basis for operations drives this transnational company, such flexibility is a predictor of future success by fully understanding the forces that will impede business success or improve its competitive or public relations position. Anthony Salim is also open to being approached by new investors from multiple regions of the world in order to seize opportunities to expand the business or put it into a better financial position over the long-run. Salim fully recognizes the strengths and weaknesses of the firm, such as his indication that the group is not fluent in technological prowess, thus not having an attitude of superiority in any one division that might not be supported by actual business realities. Salim relies on synergies produced from acquired businesses or other strategic activities involving a secondary business and allows the firm to capitalize on these strengths through acquisition. In many ways, the case study reinforces that Anthony Salim is more focused on consumer relationship management and the marketing principles for

Most of the civilizations discussed in this section of class were Essay

Most of the civilizations discussed in this section of class were established on major rivers - Essay Example These were made of perfectly curved blocks whose construction have remained a mystery since it is not known how the builders carried the over five tones of building materials to the top of the building. Another technology included the production of dyes and inks by the use of plants, soot gum, fish and water. There were also water and sundial clocks. The seasonal flooding of the River Nile resulted in the deposition of fertile silt from the deserts thereby promoting agriculture along the river (Spielvogel, 2009). The Egyptians ploughed using human and animal drought machinery. Since the River Nile was prone to seasonal flooding, trenches were constructed to guide water to crops hence promoting basin irrigation. Agrarianism was a major practice in the ancient Egypt. The communities in the Upper Nile however carried out fishing, hunting and gathering as their major economic activities (Spielvogel, 2011). They hunted Zebras and cattle to bring food into the Nile. Agricultural products, game meat and fish were traded amongst themselves on a barter trade basis. The hunters and gatherers exchanged their game meat with farm products from the agrarian communities. This was because there was no trade and cultural diffusion between Egypt and the surrounding countries at that time. The river did not only provide water for irrigation and fish, but also provided a means of transport. The communities around the Nile used boats to travel along the river from one settlement to another (Quie & Bell, 2011). Winds helped boats travel against the river current and along the river. For fear that large boats would capsize; the Upper Nile communities used small boats such as canoes to travel through the region. Egyptian social system was strict and the government was centralized; it was divided into social classes in the order of the Pharaoh, Pharaoh’s family and relatives, nobles, priests, scribes, soldiers, workers, peasants, foreigners and slaves. In

Developmental Psychology and Good Quality Activities Essay Example for Free

Developmental Psychology and Good Quality Activities Essay 1.1 It is important to remember that these six areas of learning do not work in isolation but are in fact interlinked. Good quality activities will cover more than one area of development. For example, allowing children to access the outdoors will not only support their physical development, but encourage their communication and exploration of their environment. Where a child experiences a delay in one area, it is likely to limit their learning and development in the other fivea child with cerebral palsy who experiences hand-eye coordination difficulties is likely to find completing a puzzle difficult therefore hindering her problem solving, reasoning and numeracy. It is therefore vital that settings recognise each child’s individual needs and plan holistically in order to help children achieve their full potential across the six areas of learning. Personal, Social and Emotional Development †¢ Dispositions and attitudes †¢ Self confidence and attitudes †¢ Making relationships †¢ Behaviour and self control †¢ Self care †¢ Sense of community Communication, Language and Literacy †¢ Language for communication †¢ Language for thinking †¢ Linking sounds and letters †¢ Reading †¢ Writing †¢ Handwriting Problem Solving, Reasoning and Numeracy †¢ Numbers as labels and for counting †¢ Calculating †¢ Shapes, space and measures Knowledge and Understanding of the World †¢ Exploration and investigation †¢ Designing and making †¢ ICT †¢ Time †¢ Place †¢ Communities Physical Development †¢ Movement and space †¢ Health and bodily awareness †¢ Using equipment and materials Creative Development †¢ Being creative/responding to experiences, expressing and communicating ideas †¢ Exploring media and materials †¢ Creating music and dance †¢ Developing imagination and imaginative play 1.2 We assess and record all the children’s observations and document them in their learning journeys. These get used by the staff to 9show how well the child has developed in their learning, the staff try and put at least 3 observations a month into the journeys. Once the child leaves the setting they can take them onto where ever they are going next. We also use daily diaries what the key workers fill out to show the parents how their day has gone and what they have eating. More important documents e.g. accident forms get filled out and stored away in the office where the manager will assess them and then lock them away for confidentiality. 4.2 Using a topic a child is really interested in can allow for sustained shared thinking it can be talking about something or doing something which encourages conversation like we have done planting with our children this has really captured their imagination the children are talking about what they think seeds are going to grow into what happens as the plants grows, what might the plant produce. We are getting the children to reach conclusions, and explore concepts at a deeper level. The children are thinking about processes and are making connections to things they have already learnt and new information. Processing the information we have given them making them think.

Inflation and Fiscal Policy in the UAE

Inflation and Fiscal Policy in the UAE Table of Contents (jump to) 1. Inflation in that existing economy then suggested an applicable solutions to cope these statement Political and Social Stability Oil and Mineral Resources Agricultural Resources 2. Evaluate advantage and disadvantages of the current fiscal policy and monetary policy being implemented in the chosen country 3. Find out and explain the effectiveness of various economic growth reforms that were carried out in the past years Dubai to sustain % GDP growth in 2014 DH953.2 Billion GDP estimates at current 2013 Abu dhabi’s GDP up 5.6% in 2012 Contribution of extractive industries to Abu Dhabi’s GDP amounted to 5% in 2011 4. Examine the effect of the balance of payment on the exchange rates in the chosen country explaining. How the chosen country manages its foreign debt 1. Inflation in that existing economy then suggested an applicable solutions to cope these statement Thirty years back the UAE was one of the slightest created nations of the world. Today, it has attained a wage level practically identical to that of the industrialized countries. The UAE did not pass through the speculative advancement organizes that most created nations appear to have encountered. Rather, its extensive oil incomes have permitted her to jump these stages to the phase of high mass utilization. Monstrous oil incomes have empowered the UAE to alternate way the normally troublesome and long procedure of sparing and capital amassing important for financial improvement. Given a wealth of common asset blessings (oil and gas), the UAE has grasped asset based commercial ventures (RBI) as an advancement procedure, a mechanical technique that is focused around use of characteristic assets. There has been a sending of windfall wage, to a great extent coordinated at a for the last time help to the social and investment foundation, which empowered the UAE to attain a critical lev el of investment advancement inside the exact concise time period of 1973 to 1982, a period of moderately high oil costs (Kandil, Morsy, 2011). Prior to the disclosure and fare of oil, the economy of the Trucial States (which today structure the UAE) depended predominantly on subsistence farming, itinerant creature cultivation, the concentrating of pearls and the exchange pearls, angling, and marine. The period before the revelation of oil, hence, reflected the nations restricted regular assets, and brought about a basic subsistence economy (Kandil, Morsy, 2011). Political and Social Stability Since its shaping in 1971 the UAE has appreciated a political steadiness. The current political structures seem to suit the tribal pop culture of the UAE and the dissemination of immense oil incomes as social and financial base, high compensations, an elevated expectation of social administrations, for example, wellbeing and training has raised the expectation for everyday comforts for UAE nationals and impressively decreased the probability of inward political and social turmoil. It is worth saying that the UAE Government has kept up a generally decent record on human rights since the creation of the state. This thus has pushed political and social strength (Alà ¢Ã¢â€š ¬Ã‚ mulali, Sab, Binti, 2011). The UAE is a dynamic part of numerous provincial and universal affiliations, for example, the Middle Easterner League, the United Nations, the Non-Aligned Movement, the Arab Gulf Cooperation Gathering, and the Organization of the Islamic Conference. Oil and Mineral Resources The UAE is blessed with incomprehensible stores of oil, both seaward and coastal. Co partnered gas from raw petroleum generation and non-partnered gas is likewise created. Since the early 1970s the UAEs incredible development has depended to a great extent on the revelation and abuse of oil. The oil and gas commercial ventures are generally overseen and the most recent innovation is persistently tackled to build beneficial productivity. As indicated by the UAE Ministry of Petroleum and Mineral Resources, the UAE most extreme reasonable every day limit of oil generation (greatest creation rate that might be managed day by day for one year in current states of misuse) is 2 million barrels a day (Alà ¢Ã¢â€š ¬Ã‚ mulali, Sab, Binti, 2011). Agricultural Resources The aggregate zone of area under farming and ranger service constitutes short of what 1.5 for every penny of the aggregate area territory of the UAE. Agribusiness has made just a little commitment to GDP (3.8 for every penny in 1999). There has, notwithstanding, been a reliable and significant expand in the measure of area committed to horticulture and ranger service in the course of recent years as the aftereffect of supported exertions by the UAE Government to advertise farming improvement utilizing the accompanying motivations (Osman, Louis, Balli, 2009): Agricultural plots are conceded allowed to any UAE national. Land is leveled and arranged mechanically for nothing. Production inputs, for example, seeds, manures, and insect sprays are given at half cost. Water wells are bored free of charge. There is procurement of free specialized administrations, for example, establishment of water pumps (Osman, Louis, Balli, 2009). 2. Evaluate advantage and disadvantages of the current fiscal policy and monetary policy being implemented in the chosen country Regardless of the UAEs pay rates positioning higher than the worldwide normal, supplementary expenses excessively are shooting up. As indicated by Dubai Statistics Center, on the premise of purchaser value information, expansion in Dubai rose to its most elevated amount in the most recent four years in October. Lodging and utility expenses, which represents just about 44 for every penny of purchaser costs, climbed 3.2 for every penny year-on-year and 0.2 for every penny month-on-month individually in October. Despite the fact that sustenance and drink costs climbed by 1.8 for every penny yearly, October costs fell 0.4 for every penny from the past month (Osman, Louis, Balli, 2009). In a Bayt.com compensation study of UAE experts, discharged not long ago, 28 for every penny of experts said their compensations expanded just hardly while an alternate 28 for every penny reported a moderate build. Around 19 for every penny of respondents said there was no change. The greater part of experts reviewed ascribed their pay climb to swelling and the climbing average cost for basic items while around 80 for every penny said that climbing rents constituted a significant a piece of their living costs. Be that as it may as business certainty gets in front of the Expo 2020 offer, Dubais lopsided climb in compensations in connection with rents could go about as a focused disservice in holding ability at later stages. It is important that as per the Bayt.com MENA Salary Survey (May 2013), 47 for every penny of UAE respondents accept that their steadfastness is 70 to100 for every penny connected to their compensation, consequently showing that pay is a key driver for corporate faithfulness for a lions share, said Suhail Masri, VP of offers, Bayt.com (al-Awad, 2013). This general pattern is seen over the Middle East that organizations must start to address; in doing thus, they will have the capacity to help building worker steadfastness and fulfillment, and will have the chance to decrease the amount of representatives looking to change employments inside the one year from now. Masri said that in spite of the lodging remittance given to UAE workers being the third most astounding in the district, climbing living expenses for occupants are a reason for concern. 3. Find out and explain the effectiveness of various economic growth reforms that were carried out in the past years Dubai to sustain % GDP growth in 2014 Billions of dollars worth of realty ventures to help economy Dubais economy is relied upon to develop around five for every penny not long from now, a comparable pace to 2013, the leader of its detail office said on Monday. Development in the Gulf emirate, the districts exchange and business center, grabbed firmly a year ago, floated by the possibility of government land ventures worth many billions of dollars. It is normal that development will arrive at around five for every penny in 2013,   official chief Arif Obaid Al Muhairi said on the Dubai Statistics the economy developed around 4.5 for every penny in the initial nine months of a year ago, he said. Dubai represents a quarter of yield of the UAE economy, with oil-fueled Abu Dhabi in charge of around 65 for every penny (al-Awad, 2013). The UAE, one of the worlds top oil exporters, has yet to discharge 2013 GDP information. DH953.2 Billion GDP estimates at current 2013 The Statistics Center-Abu Dhabi (SCAD) affirmed yesterday throughout a question and answer session held at the Abu Dhabi Economic Media Club, the last comes about and budgetary studies for 2012, which registered the GDP for the Emirate of Abu Dhabi, and GDP gauges for 2013 (al-Awad, 2013). The Conference was gone to by Mr. Nasser Dayan, Director of Economic Statistics Department, Dr. Mohammed Al Dhaheri, Director of Field Surveys, Ms. Shamma Al Rumaithi, Director of National Accounts, and Mr. Osama Al Zugbi, Assistant Director of Economic Statistics Department. Mr. Nasser Dayan expressed that the vital comes about and assessments arrived at by SCAD on investment advancements in Abu Dhabi a year ago demonstrated that all financial exercises and divisions, oil and non-oil, accomplished development (Termos, Naufal, Genc, 2013). Abu dhabi’s GDP up 5.6% in 2012 In its yearly report for 2012, the Department ascribed the slower development in 2012 to the slight climb in the oil division in both creation and costs contrasted and 2011. It demonstrated Abu Dhabis true GDP remained at Dh678 billion in 2012 and said that notwithstanding the loosening development in 2012, Abu Dhabis economy kept up its recuperated and came back to its solid pace, exploiting the powerful enhancement methodology received by the emirates legislature as of late. The report demonstrated the oil division accomplished a 3.8 for every penny true development in 2012, which was lower than past rates acknowledged by the action throughout 2010 and 2011 (Termos, Naufal, Genc, 2013). Interestingly, non-oil exercises reinforce the increases accomplished over the recent years, and transformed into a solid mainstay of budgetary execution in the emirate, it said. Non-oil investment exercises recorded true development of 7.7 for every penny in 2012, contrasted with 6.7 for every penny and 6.1 for every penny in 2011 and 2010 separately. This considered absolutely the commitment of non-oil exercises to the true GDP of the Emirate, which rose to 48 for every penny in 2012 contrasted with 44 for every penny in 2007. A breakdown demonstrated the land division developed by 16.7 for every penny in 2012, as an immediate consequence of the noteworthy recuperation of offers exercises in the land part in the Emirate (Basher, Elsamadisy, 2012). The assembling division stretched by 9.7 for every penny to a record Dh41.5 billion, the report indicated Contribution of extractive industries to Abu Dhabi’s GDP amounted to 5% in 2011 The extractive business is the spine of the economy of the Emirate of Abu Dhabi, and a standout amongst the most vital parts of the national pay of the emirate, where oil incomes are utilized within development of base tasks, and in addition other monster national commercial enterprises. The commitment of extractive industry to the GDP of the Emirate of Abu Dhabi arrived at 58.5% in 2011, as an aftereffect of high oil costs in world markets, and the expand in creation of oil in Abu Dhabi. OPEC normal oil value rose from Us$77.45 for every barrel in 2010 to Us$107.46 for every barrel in 2011 (Basher, Elsamadisy, 2012). Aggregate Fixed Capital Formation: The aggregate altered capital framing in the extractive business movement rose from Dh 7.8 billion in 2006 to Dh 48.8 billion in 2011 at a yearly development rate of 44% on normal throughout the period, while settled capital shaping in the action developed by 11.6% in 2011 (Hamaideh, 2010). 4. Examine the effect of the balance of payment on the exchange rates in the chosen country explaining. How the chosen country manages its foreign debt Conversion scale administrations can harshly be characterized into three classifications: settled (pegged), adaptable (gliding) and moderate administrations. Before 1970s, most economies worked under settled conversion standard administration known as the Bretton-Woods framework. Under this framework, nations altered their trade rates against US dollar and the dollar was worth a settled measure of gold. All taking part coinage were certainly pegged to the gold. The framework was broken down following 25 years (1946-1971) yet the arrangement of altered conversion scale remained the favored administration in numerous nations. The fundamental inspiration for keeping trade rates settled is the conviction that a stable swapping scale can encourage exchange and speculation streams between nations by diminishing variances in relative costs and by lessening vulnerability (Hamaideh, 2010). Since 1971, economies have been moving towards adaptable conversion standard administrations, where the estimation of the cash is controlled by the business. In this setting, the residential coin, all else equivalent, devalues when interest for the remote money expands or supply of the outside cash diminishes and acknowledges when interest for the outside coin abatements or supply of the remote coin builds (Hamaideh, 2010). References Kandil, M., Morsy, H. (2011). Determinants of Inflation in GCC.Middle East Development Journal,3(02), 141-158. http://www.worldscientific.com/doi/abs/10.1142/S1793812011000351 Alà ¢Ã¢â€š ¬Ã‚ mulali, U., Sab, C., Binti, C. N. (2011). The impact of oil prices on the real exchange rate of the dirham: a case study of the United Arab Emirates (UAE).OPEC Energy Review,35(4), 384-399. http://onlinelibrary.wiley.com/doi/10.1111/j.17530237.2011.00198.x/abstract?deniedAccessCustomisedMessage=userIsAuthenticated=false Osman, M. A., Louis, R. J., Balli, F. (2009). Output gap and inflation nexus: the case of United Arab Emirates.International Journal of Economics and Business Research,1(1), 118-135. http://inderscience.metapress.com/content/h815u130l51p1493/ al-Awad, M. M. (2013). Ex Ante Inflation Rates in the UAE. http://repository.yu.edu.jo/handle/123456789/535773 Termos, A., Naufal, G., Genc, I. (2013). Remittance outflows and inflation: The case of the GCC countries.Economics Letters,120(1), 45-47. http://www.sciencedirect.com/science/article/pii/S0165176513001468 Basher, S. A., Elsamadisy, E. M. (2012). Country heterogeneity and longà ¢Ã¢â€š ¬Ã‚ run determinants of inflation in the Gulf Arab states† .OPEC Energy Review,36(2), 170-203. http://onlinelibrary.wiley.com/doi/10.1111/j.1753-0237.2011.00208.x/abstract?deniedAccessCustomisedMessage=userIsAuthenticated=false Hamaideh, M. E. (2010).A Risk Management Strategy To Hedge Projects Against Cost Escalation Caused By Price Inflation(Doctoral dissertation, British University in Dubai). http://bspace.buid.ac.ae/handle/1234/328

The Differences Between Reward and Recognition

The Differences Between Reward and Recognition Whilst these terms are often used interchangeably, reward and recognition systems should be conceived individually. Employee reward systems pertain to programs arrange by a organization to reward performance and motivate employees on separate and/or team levels. Theyre generally conceived individual from pay but possibly pecuniary in nature or differently have a monetary value to the organization. Although antecedently believed the area of big companies, small business sector have also commenced hiring them as a instrument to entice top employees in a competitive job market as well as to increase employee performance. As observed, while employee acknowledgment programs are frequently aggregated with reward programs they hold a different aim altogether. Recognition programs are normally not pecuniary in nature although they may have a cost to the organiozation. What is Merit Pay? In contrast to bonuses and incentives, merit pay requires giving employees a permanent pay rise established on his/her past performance. Often the companys performance appraisal system (PAS) is used to check performance levels and the employees are granted a salary increase, such as a 10% increment in pay. One likely problem with merit pay is that employees come to expect pay increments. In companies that give yearly merit raises without a different raise for increments in cost of living, merit pay finishes up serving as a cost-of-living allowance and creates a feel of entitlement on the part of employees, with even low performers anticipating them. Therefore, making merit pay more effectual depends upon making it genuinely dependent on performance and designing a comparatively objective appraisal system. What are Compensation Factors that Management Should Consider? When management is setting salaries for thier employees there are numerous factors to consider. Their compensation should be decided by more than just whether they can do work for you or not? Management need to be sure that theyre looking at what compensation factors will impact those that work for them. Theyve to remember that employees are going to go where it will be of more benefit to them. That means that management require to be able to make a good offer if they want employees to work for them. listed below are few thoughts for compensation factors that management should consider. For each business sector there will be different applications, so not all of them are right for your choice of business. What type of business sector you own. If you are a sales outlet then commission will work great, but if you are a production company then sales will not impact many of your workers. The different sections and divisions within the business enterprise will also make a difference. The waitresses will be able to accumulate tips but the cooks arent out with the customers to be tipped. The list of duties and responsibilities that are anticipated of the employee. At the lowest of the food chain there will be less obligation, if the person that just got employed is making as is as the supervisor over them, but the duties are different, you may find youve few disturbed supervisors. As their job requisites increase there should be more compensation given. The time and exertion that has put into the job. Youll find that some employees have a driving force to do everything they can to give it their best. Other people will be more prepared to take the minimal workload and be through with work the moment the clock assures them its alright. For those employees that volunteer to do more and that give a distinguished effort, there should be more compensation for them. If youre anticipating committee members to set up a presentation, give them additional pay for the time they put into it. On that same note, youll find that some people are collecting the abate from those that are just there to do the lowest they can. For those that are accepting additional and doing all they can to compensate for those that do not care, there should be a reward. They should be acknowledged for their efforts and compensated in addition to their normal salaries. When an employee is employed, look at their education. If theyve an accounting degree and youre seeking a financial consultant or an accountant, then you should be conformable pay a little more for their knowledge. Youll have applicants that come in below and over qualified, be sure that youve adequate compensation budgeted that you are able to hire the person with the right knowledge for your company. Consider their work history. If theyve years of experience, they should be compensated. Those years help you to have that much more of an advantage, adding their education to their experience you may have someone that can make a big difference in your company. Also, if you are employing even for the least job, then you need to know that theyre going to be with you for at least a good amount of time. Its expensive to train, so if you are able to reward them for being at their preceding jobs for an extensive amount of time then you may find a patriotic employee. Remember that happy employees are the only way to keep a business running in the right direction. How to Motivate Employees at Workplace? By Updating the Employee of the Month program: Besides placing their picture and alloting them a terrific parking zone, give them something they could actually enjoy, Something that will motivate your staff to be the best they can be. Commence by determining a goal for your staff: Getting them recognise what youd like do and allowing them help come up with a plan of action to accomplish that goal. And after that, inform them what their reward will be for finishing the task. Motivate employees with a free day: You can motivate employees by giving them a day off from work and a free pass to watch some movie or enjoy hi-tea etc. A day off with salary is something every employee wish to savor! It will surely motivate employees to work for those day offs with free passes. Family Day: How about planning a family day for the employees where they are invited along with their immediate familes to enjoy a fun-filled day. There could be various activities invloved for children and others to enjoy. Donuts Treat: Sometimes actions like as simple as buying donuts and coffee for your employees once a week and discussing something other than work for an hour or so will motivate employees also. You need to show your care to employees. Annual and Individual Bonuses: Annual Bonuses are basically one-time rewards that might be in result of some specific achievements of employees. For instance, an employee who accomplishes the quarterly goals set for his/her may be rewarded with a lump sum bonus. Employee motivation consequent from a bonus is normally related to the degree of advanced knowledge considering bonus particulars. Team Bonuses: There are certain situations in which employees should collaborate with one another and setting apart employee performance is harder, companies are progressively recurring to binding employee pay to team performance. E.g., in 2007, Wal-Mart gave incentives to around 80% of their associates based on overall store performance. If employees have a reasonable power to enhance their overall teams performance level, these programs can be handy. Organizational Examples: Following rewards and compensation benefits are seen in different renowned organizations around the globe. Wal-Mart Stores: Out of many factors that have resulted in the success of Wal-Mart is its happy employees. Wal-Mart has successfully managed to rtain happy bunch of employees through effective motivation. Motivation at Wal-Mart can be seen at all levels of positions and departments at Wal-Mart. Wal-Mart have various motivational techniques in order to prove that they not only care about profit they attain through their workforce, but employees personal b eing as well. Here are some other ways of motivation in palce at Wal-Mart Stores: Calling employess as associates onstead of employee Calling eachother by their first name from top management to hourly associates. Giving respect to each associate irrespective of their .position in the company. Health insurance for each associate and their immediate family members. By hiring a psycologist to give counseling to associates facing some problems. Mobilink GSM Pakistan Mobilink runs its business enterprise on the basis of its slogan that Our people are our greatest assets. We take great pride in admitting the contribution each one of us makes. Mobilink use the following motivational techniques to motivate their employees: Management by objectives Employee acknowledgment programs Employee engagement programs Variable salary programs Skill-based salary plans Compromising benefits. Nestle Pakistan Ltd. Specified contribution program: The Company engages a accredited provident fund for all its regular employees. Equal monthly shares are constituted to the fund both by the Company and the employees at the rate of 12% of the basic pay and cost of living allowance in addition to it. Nestle has clear plans for betterment of its employees, thus leaving employees with clear knowledge of how the organization is caring about its employees by providing sustainable resources in terms of health, insurance and incentives etc. Suggestions and ideas towards the betterment of any organizational processes are encourged. Other main facilities which Nestle grants to its employees to keep them motivated at workpalce are: Incremented salary Job Security and Integrity Annual Gratuity Annual Bonuses Old age benefits Residence facilities and Allownces Transportation Health and safety Telenor Pakistan Ltd. Below are different ways in which employees are motivated at Telenor Pakistan are: Solving everyday residence issues of employees including remodeling, repairs, house-sitting, etc. Supporting in any legal issues. Supporting in financial issues. Education plans for childrens. Health care. Tesco UK Staff training and devlopment programs Discount for staff purchases Club points system Flexibility Bonuses Free uniform Holidays/holiday vouchers Free Passes Open opportunities Unilever India Motivational techniques in place at Unilever India, includes Provident fund, off days. Pick and drop facility, training camps, health care, meternity care and pesion schemes. Flex Industries Limited   At Flex Industries Ltd, they have a generous incentive scheme, which has assisted them in increasing productiveness by 30-40% as well as minimizing wastage by 2-3 %. Bonuses are extended to all levels of employees. Ford Workplace safety Diversitification Professional Growth and devlopment Achievement rewards Trainings Remuneration and benefits Volvo A Learning and competitive Environment A Fair Wage Policy Regular Medical Examination of all employees Openness and Respect amongst co-workers Measuring Progress with effective performance appraisal system Rewards Diversity Volkswagen Attractive employment plans Job security Good working climate through leadership and cooperation payment in line with performance Personal development opportunities Coca Cola By furnishing competitive compensation and benefits, coca cola endeavor to motivate its employees though bounding employee turnover. Besides compensation and benefits, coca cola also extend several other programs for its employees that broaden beyond the workplace. For example, as part of its loyalty to youth development, Coca cola offer college scholarship opportunities to the children of its employees. coca cola also provide opportunities for employees to improve their educational standing.

Gasoline Essay -- essays research papers

GASOLINE TOXIC COMPOUNDS AND ADVERSE EFFECTS ON THE ENVIRONMENT In the early 20th Century gasoline was being produced by oil companies using distillates from petroleum. Unfortunately, this was not enough energy to power the new atutomobiles that would soon be arriving. More chemicals, addetives and research had to be done. Around 1910 laws were passed that prohibited gasoline from being stored. Perhaps the car industries were growing so rapidly, it was then the government began to take note to regulate the use of gasoline for the protection of the environment. Lead and benzene are toxins found in gasoline that are confirmed to be regulated human carcinogens. Carcinogens have been tested also to induce cancer found in humans and animals. This paper will determine and discuss these two types of toxins identified in gasoline, the dangers of these toxins and how they affect the environment in which we live in. When gasoline is burned it releases a form of energy of hydrogen and carbon. This energy forms water and carbon dioxide. Carbon moxide may be formed as well if the compnents are not precise and complete. Gasoline is said to contain over 500 hydrocarbons. There are two types of hydrocarbons; saturated and unsaturated hydrocarbons. Saturated hydrocarbons are somewhat stable found in leaded gasolines and burn a clean flame in the air. On the other hand, unsaturated hydrocarbons are unstable and tend to burn a dark smoky flame. Studies have proven lead poisoning can be obta... Gasoline Essay -- essays research papers GASOLINE TOXIC COMPOUNDS AND ADVERSE EFFECTS ON THE ENVIRONMENT In the early 20th Century gasoline was being produced by oil companies using distillates from petroleum. Unfortunately, this was not enough energy to power the new atutomobiles that would soon be arriving. More chemicals, addetives and research had to be done. Around 1910 laws were passed that prohibited gasoline from being stored. Perhaps the car industries were growing so rapidly, it was then the government began to take note to regulate the use of gasoline for the protection of the environment. Lead and benzene are toxins found in gasoline that are confirmed to be regulated human carcinogens. Carcinogens have been tested also to induce cancer found in humans and animals. This paper will determine and discuss these two types of toxins identified in gasoline, the dangers of these toxins and how they affect the environment in which we live in. When gasoline is burned it releases a form of energy of hydrogen and carbon. This energy forms water and carbon dioxide. Carbon moxide may be formed as well if the compnents are not precise and complete. Gasoline is said to contain over 500 hydrocarbons. There are two types of hydrocarbons; saturated and unsaturated hydrocarbons. Saturated hydrocarbons are somewhat stable found in leaded gasolines and burn a clean flame in the air. On the other hand, unsaturated hydrocarbons are unstable and tend to burn a dark smoky flame. Studies have proven lead poisoning can be obta...

Cultural Messages in Solomon Gursky Was Here Essay -- Solomon Gursky W

Cultural Messages in Solomon Gursky Was Here Solomon Gursky Was Here   is an epic novel spanning nearly a century and a half, from the mid 1800's to 1980's.   It is the story of the obsession of   Moses Berger, a Rhodes scholar turned alcoholic, with Solomon Gursky, the charismatic son of a poor immigrant.   Solomon, with his brother Bernard and Morrie, built the massive liquor empire of McTavish industries.   Moses is attempting to write a biography of Solomon, which becomes his life's work.   Through his investigations the complex story of five generations of Gurskys is revealed.   The eldest is Ephraim, Solomon's criminal, perpetually scheming grandfather.   Ephraim, is constantly associated with the raven, he escaped imprisonment in England in the mid 1800's by forging documents, also allowing him to join a crew searching for the Northwest passage, called the Franklin Expedition. The expedition turned into a total disaster, Ephraim, the sole survivor.  Ã‚   The youngest Gursky appearing in this story is Is aac, Solomon's grandson.   This complex tale unravels, as Moses recalls, all of the events in his life which pertain to it.   Ever present in this Canadian cultural satire is the theme of filial relationships and the exploration of Solomon and his re-incarnation as Sir Hyman Kaplansky, in conjunction with his family and their exploits.   Every character in this novel is in some way corrupt or failure.   Moses is an alcoholic who did not live up to his potential; Bernard is a greedy self-centered bastard;    Solomon is a cheat, when it comes to gambling, women and anything else you can think of.  Ã‚   Richler, through this exaggeration of corruption a... ...ursky family and their diverse interests, life-styles and undertakings allows Richlers readers to grasp many parts of Canada in many different time frames.   This in turn allows him to satirize the stereotypes of Canada, its people and their culture.   Adding to idea of corruption, which enhances this satire, are the filial relationships occurring in this novel. The fact that all these relationships are unsuccessful and non-cordial, enhances the idea that all Canadians roots are in some way corrupt or failures.   Richler, shows how these traits are passed through generation after generation.  Ã‚   There can be no doubt that Solomon, one of the most corrupt characters in the book, becomes Sir Hyman after his staged death.   Richler has tied his complex story of Solomon Gursky, his family and their exploits together with his cultural messages

Critique on Kirstie laird :: essays papers

Critique on Kirstie laird Orange Girl I chose to critique and analyze the works of Kirstie Laird. I liked the variety of her works, and the bright, brilliant colors in most of them. I think the one that fascinated me most, however, was â€Å"Marionette† because it didn’t have any of the orange colors or motifs prominent in her other works. This puzzled me, since the title of her showing was â€Å"Orange Girl† and every other picture in the showing fit the title well. I found Laird’s works quite similar to those of Judy Dater. Their finished products aren’t too similar for the most part, but their reasons for the pictures they take are nearly identical. Laird’s series â€Å"investigates the ways in which we define ourselves through social roles, dress and physical markers, both natural and applied.† This sounds very much like what Dater wishes to convey in her self-portrait sequence â€Å"in which she dressed and posed herself as stereotypes of certain kinds of women.† Both women take special pains to use themselves as models (not an easy feat, I know from experience!). Not only that, they change costumes and props in every picture to convey the character they are becoming. In a sense, they are actresses, and each picture is a separate role for them. How well they fit the roles? That is a matter of opinion. I found each role they wished to convey was portrayed quite well. As different as each ladies sty le is, I still found some pictures I thought were quite similar in many respects. Laird’s â€Å"Kitchen† and Dater’s â€Å"Ms. Clingfree† were two pictures I thought were similar. If you laid the two side by side, you would see nothing in them that was remotely similar. One is of a young attractive housewife sitting on the kitchen counter, cheerily showing off the fruit bowl. The other is of an older housewife, perhaps one who has been married many years and is starting to feel the stress taking its toll on her. In that sense, the pictures are of the same person (a housewife) as she goes through the years. Laird shows her when she is happily married and everything is sunny and bright. Dater shows the woman after the years have taken their toll and she is tired of it all.

How Is Discrimination Different from Prejudice and Stereotyping? Essay

Part I Define the following terms: |Term |Definition | |Discrimination |The denial of opportunities and equal rights to individuals and groups because of prejudice | | |or for other arbitrary reasons | |Institutional discrimination |A denial of opportunities and equal rights to individuals or groups, resulting from the | | |normal operations of a society | | | | |Political correctness |Language or behaviors that does not offend particular groups of people | Part II Write a 150- to 250-word response to each of the following questions: †¢ How is discrimination different from prejudice and stereotyping? Discrimination differs from prejudice and stereotyping in a way that discrimination isn’t just an negative attitude that rejects an entire group, as prejudice is defined. Discrimination is the denial of opportunities and equal rights to individuals and groups because of prejudice or other arbitrary reasons. Prejudice does not necessarily end with wealth. Discrimination also has cumulative effect so that people today are victims of past and current differential practices. As whereas stereotyping is unreliable generalizations about all members of a particular group without considering a individuals differences. I feel that discrimination has many forms aside from race, also age, sexual orientation or wealth. Discrimination can hinder a person from advancing in their life, which will affect their generations. I feel that a person can beat a stereotype, at times it may not be as severe, but when you deny someone or a group equal rights, it because a legal process. Stereotyping can be proved to be wrong, but with discrimination you can not prove it otherwise false, if your denied rights. †¢ What are the causes of discrimination? The causes of discrimination are having a certain preference for different groups of people. In example, preferring a man over a woman to be a president of a company, even though they are both qualified the same. Being misinformed also causes discrimination. Often, racism and prejudice cause discrimination. When an negative attitude is formed over a certain group of people, mainly the minority group. They face a social challenge, which leads to adding a denial of certain rights to a person. Although, discrimination is illegal, it happens often. Family type business, who can hire freely can cause a type of discrimination. They have the choice to hire family, verses someone who is an outsider. Often discrimination is from our ancestors. If they had a certain way of living, it is passed on through generation. Often, we feel like we are better than a certain group, or that a certain group may owe us something because of our ancestors. †¢ How is discrimination faced by one identity group (race, ethnicity, religious beliefs, gender, sexual orientation, age, or disability) the same as discrimination faced by another? How are they different? Discrimination towards a certain race, is the same as being discriminated by you gender. We cannot change the color of our skin, nor can we change our gender. Being discriminated by your race, and by religious beliefs can be different is many ways. If a person was applying for a job, and was denied the job because being discriminated by their race, or religious beliefs, a person’s skin color is obvious. But, a person could change their religious beliefs to bend for whatever position they are applying for. Discrimination can begin at birth. Identity groups can change, which changes the discrimination factors. You can change your hair color, or have a surgery to change your appearance to differ ante your age. Someone with a disability cannot just make a disability disappear. A certain sexual orientation can change around to date the opposite sex to be more socially accepted. I think it can differ greatly. Reference: Racial and Ethnic Groups, Thirteenth edition, by Richard T. Schaefer. Published by Merrill Prentice Hall. Copyright  © 2012 by Pearson Education, Inc.

Walmart Facts Sheet Business Research Buss4 Aqa

———————– – Walmart was constructed into a 3 product divisional structure. The successful world retailers business categories include Wal-Mart Stores (U. S. ), Sam's Club (U. S. ), and International stores. –> Works well as each division is open to focus its efforts on specific goals such as product, service or customers – Walmart as an organisation have their own display of ‘Culture' (also featured on the company website in detail), claiming 3 basic beliefs and integrity in order to deliver a favourable workplace for employees and service to customers; 1.Service to customers, 2. Respect for the individual, 3. Striving for excellence – 2000 saw a big change for Walmart; introduction of new CEO H. Lee Scott saw massive development and growth for the company, where revenue rocketed to $165bn, an indication that changes implemented by the new CEO were beneficial for the company.These included altera tions to the culture of the business, including: †¢ Open Door Policy  Ã¢â‚¬â€œ Managers' doors are open to employees at all levels †¢ Sundown Rule  Ã¢â‚¬â€œ Answering employee, customer, and supplier questions on the same day the questions are received †¢ 10-Foot Rule  Ã¢â‚¬â€œ Making eye contact, greeting, and offering help to customers who come within 10 feet – Their mission statement, â€Å"We save people money so they can live better†, and logo/symbol/slogan all coincide in order to connotate better living & associate this, with Walmart themselves Name: Walmart, previously known as ‘Walton’s Five and Dime store’ – 1945-1962 – Sam Walton, a former department store employee, purchased a branch of the Ben Franklin stores – aiming to sell products at lower prices for a higher sales volume, despite a lower profit margin – 1962 – expanded to 24 stores across Arkansas (US), reaching $12. m in sale s, business continued to grow in US – 2000 – H. Lee Scott became CEO & President of Walmart, saw sales increase to $165bn – 2005, $312. 4  bn in sales, more than 6,200 facilities around the world  Ã¢â‚¬â€œ including 3,800 stores in the United States and 2,800 elsewhere – Walmart have now become an international business, making $446bn revenue in 2012, with the aid of 2. 2million employees.

Alliance Bank Essay

1. Introduction Alliance Bank is one of the leading banks in Kazakhstan, and it is the tenth largest bank in terms of assets in Kazakhstan. Headquartered of the bank are located in Almaty. Bank is developing as a universal financial institution in all lines of business, with a primary focus on retail banking and lending to SMEs.JSC Alliance Bank, has been operating for over 15 years. Recently bank has been shadowed by number of scandals, which had a negative effect on its reputation. In February, 2009 the government appointed a new management team after its key shareholder, SAFC, rejected to support the bank in long-term. During the financial crisis Alliance Bank was the first bank to default. By 2010 its debts were restructured and government had to inject 24 billion KZT on its deposit account in order to save the bank. Since the restructuring, state-owned National Wellbeing fund Samruk-Kazyna is holding 67% of the bank’s shares. In 2012 Alliance was judged to be stable with a Standard and P oor’s rating of â€Å"B-†. Today Alliance’s long-term credit rating by Standard and Poor’s is stated at â€Å"D†, together with short-term rating. In 2011 bank considered talks with European Bank for Reconstruction and Development regarding the potential sale of its shares. In February 2014 bank has suffered from technical default. Later in February, the bank’s reputation suffered even more after SMS-attack on three banks about their default. Alliance Bank’s mission is to be a reliable partner for each  customer and meet the best banking practice. The basis for this statement is bank’s philosophy of meeting the needs of society as quality financial services. Main principles of bank’s corporate culture include classical principles of fairness, trust and apolitical relation. These principles work as the basis for existence of commercial bank as a social institution, which aims to combine and unite interests of different groups of people – shareholders, employees, customers and partners. The vision of the bank is â€Å"Look at things in a new way!† The Bank’s primary business is related to commercial banking activities, granting of loans and guarantees, accepting deposits, exchanging foreign currencies, dealing with securities, transferring cash payments, as well as providing other banking services in the Republic of Kazakhstan. The main goal of the bank’s activity is to earn income through the provision of banking services, for legal and physical entities, residents and non-residents of Kazakhstan, establishment of direct contact with international institutions for the development of External Relations, improvement and strengthening of business cooperation with foreign organizations. 2. External analysis PESTLE analysis PESTLE analysis or PEST stands for auditing the Alliance Bank’s current environment and assessing its potential changes by looking at the organization from different angles in order to be better placed than its competitors and make plans for future events in terms of responding to the rapid changes in the macro-environment. It contains the factors such as political-legal, economic, socio-cultural, and technological. Considering and understanding all these factors that influence the business, the information about the risks associated with the situation in the market will be clarified. Moreover, using the PESTLE analysis, it is possible to maximize opportunities and minimize threats for the Alliance Bank. Political-legal forces provide information about the political situation in the country and current legislations that regulate the industry. Businesses can be affected by many aspects of government policy. In particular, all businesses must comply with the law. They must also consider the impact of any forthcoming legislation on their operations. This may require taking action before the legislation comes into effect. Today a political factor,  which would affect Kazakhstani banks, and in particular Alliance Bank, is the Ukrainian political instabilities. Russia and Ukraine have bad political relations, and it leads to trade barriers as well. As Kazakhstan is a member of Custom Union, of course, any instability in Russia could influence Kazakhstani market as well. As an example, recent devaluation of Russian Ruble will bring very negative effects in both Kazakhstan and Belarus Republic. This instability might lead to declining on the foreign investments to Alliance Bank that they were recently asking from London creditors. Also on the 26th of December 2012 the President of the Republic of Kazakhstan signed the Law â€Å"About Modification and Additions in Some Acts of the Republic of Kazakhstan concerning the Taxation†. One of the amendments to the law says that from the January 1st, 2014 the conscientious taxpayers may postpone paying the accrued tax liability for not more than 3 years w ithout having any collateral or fund for restricted cash. It will help the Alliance Bank to save the amount of money in the current period in order to invest it if needed in some other activities. Economic forces focus on the prevalent economic factors. Evaluating one of them which is the average monthly wage in Kazakhstan, the Agency of the Republic of Kazakhstan’s Statistics provides the following data: in March 2010 the average monthly wage is equal to 72 000 KZT, in March 2011 the amount is 87 000 KZT, in February 2012 it is presented as 92 000 KZT, and in February 2013 it has increased to 98 736 KZT. Such a picture of the wage growth is very positive and beneficial for the Alliance bank because the bigger amount of clients is willing deposit their money to bank accounts. Another not less important economic factor to consider is the inflation rates. According to the Agency of the Republic of Kazakhstan’s Statistics, in 2011 the inflation rate in Kazakhstan was 7.4%, in 2012 it was 6%, and in 2013 it decreased to 4.6%. Due to recent devaluation of Kazakh Tenge, the forecast of inflation in 2014 is going to increase. The increase of inflation rates will lead to increase in interest rates, which will decrease the number of clients of the bank. Another important economic factor is GDP per capita in Kazakhstan. Kazakhstan government is putting a huge afford to improve the lifestyle and living conditions of its people. The government set two crucial strategies; Strategy2030 and Strategy2050. According to these strategies, Kazakhstan must be listed among the developed countries of the  world. One of the requirements of these strategies is raising GDP per capita. According to Dosayev, the GDP per capita will reach to $14,600 and it is expected to rea ch to $24,000 in 2018. Accordingly, the products of the bank will become more popular among the population. Social forces are the next. In this case they may be presented as demographic trends. Population of Kazakhstan for the 1st of March 2013 has increased by 1.4%, according to the report of the Agency of the Republic of Kazakhstan’s Statistics. Nowadays it is more than 17 million people who are living in the territory of Kazakhstan. Actually, the new migration policy for oralmans (people whose historical place to live was Kazakhstan), and people who arrive to the cities from urban areas is a good advantage for the bank. The President of the Agency of the Republic of Kazakhstan’s Statistics Alikhan Smailov noted that the average life expectancy in 2014 will be at the age of 70. According to the data for 2012 it was less and the actual number of years was 69 per person. Technology is another very important role in bank’s internal control mechanisms as well as services offered by them. Through the use of technology new products and services are introduced. It includes technological aspects such as R&D activity, automation, technology incentives and the rate of technological change. Some of the technological changes which brought radical changes in banking industry in Kazakhstan, and especial in Alliance Bank are described below: Automated Teller Machine (ATM) The latest developments in terms of technology in computer and telecommunication have encouraged the bank to change the concept of branch banking to anywhere banking. The use of ATM and Internet banking has allowed anytime, anywhere banking facilities. IT Services & Mobile Banking Today banks of Kazakhstan are also using SMS and Internet as a major tool of promotion and giving great utility to its customers. For example, SMS functions through simple text messages sent from your mobile phone. Technology advancement has changed the face of traditional banking systems, it is even offering 24/7 banking even faster and secured service. Alliance bank definitely should look after all technological changes in banking industry both within Kazakhstan and on International level, because it really matters, and differentiate service of the bank. Porter’s Five Forces The Kazakhstan banking system has experienced many difficulties in recent years, as well as huge growth. Last year was marked by the successful completion of the restructuring of debts of the three largest banks in the Republic of Kazakhstan: BTA Bank, Temirbank and Alliance Bank, which defaulted in 2009. Nevertheless, Kazakhstan’s banks currently operate in a very challenging external and internal environment which of course could reflect their financial stability, way of development in future years and their ability to find new appropriate business models. Kazakhstan’s banking system suffered due to a liquidity crisis less than its peers (e.g. Ukraine, Kyrgyzstan). Measures of the Government of the Republic of Kazakhstan to maintain stability of the banking system and the infusion of funds into the capital’s largest banks, had its effect – not one bank in Kazakhstan has not been declared bankrupt, the investors could easily withdraw their funds, there we re no signs of the banking panic among the population. So, the main current advantage of Kazakhstan’s banking system is the stability which is a very serious and necessary feature at the Commonwealth of Independent States. Threat of New Entrants: Banking industry deals with other people’s money and financial information new banks find it difficult to start up. Due to the nature of the industry, people are more willing to place their trust in big name, well known, major banks who they consider to be trustworthy. The banking industry has undergone a consolidation in which major banks seek to serve all of customers’ financial needs under their roof. This consolidation furthers the role of trust as a barrier to entry for new banks looking to compete with major banks, as consumer are more likely to allow one bank to hold all their accounts and service their financial needs. Ultimately the barriers to entry are relatively low for the banking industry. While it is nearly impossible for new banks to enter the industry offering the trust and full range of services as a major bank, it is fairly easy to open up a smaller bank operating on the regional level. Large financial resources are needed in order to open own bank an d enter on the financial market. Authorized capital  must be 5 billion Tenge, except other expenses (advertising campaigns, open own office, purchasing equipment and software etc.) Power of Suppliers: Capital is the primary resource on any bank and there are four major suppliers (various other suppliers like fees contribute to a lesser degree) of capital in the industry. Customer deposits Mortgages and loans Mortgage-baked securities Loans from other financial institutions By utilizing these four major suppliers, Alliance bank can be sure that they have the necessary resources required to service their customers’ borrowing needs while maintaining enough capital to meet withdrawal expectations. The power of the suppliers is largely based on the market, their power is often considered to fluctuate between medium to high. Suppliers for Bank are depositors and shareholders. Alliance Bank is interested in attracting outstanding depositors and principal shareholder. The main purposes are: correct invest invested funds; to ensure payments under the deposits and the shares; to make up owner’s operating expenses; to get a certain profit Power of Buyers: The individual doesn’t pose much of a threat to the banking industry, but one major factor affecting the power of buyers is relatively high switching costs. If a person has one bank that services their banking needs, mortgage, savings, checking, etc, it can be a huge hassle for that person to switch to another bank. Alliance Bank has 2 million customers who have a bargaining power and can switch to any other bank due to bank’s current situation. Availability of Substitutes: Some of the banking industry’s largest threats of substitution are not from rival banks but from non-financial competitors. The industry does not suffer any real threat of substitutes as far as deposits or withdrawals, however insurances, mutual funds, and fixed income securities are some of the many  banking services that are also offered by non-banking companies. As Alliance bank primarily offers commercial banking services, it does not suffer any threat of substitutes. Competitive Rivalry: The banking industry is considered highly competitive. The financial services industry has been around for hundreds of years, and just about everyone who needs banking services already has them. Because of this, banks must attempt to lure clients away from competitor banks. They do this by offering lower financing, higher rates, investment services, and greater conveniences than their rivals. There are two giant banks in Kazakhstan, Kazkommertsbank and Halyk Bank, which hold 18% and 19% of total asset of Kazakhstani market, whereas Alliance bank holds only 4%. Therefore, the above mentioned banks are the competitive rivalry of the Alliance bank’s services. 3. Internal analysis SWOT analysis The key factor in the bank’s strategic planning is SWOT-analysis. SWOT-analysis methodology suggests: first, to identify the internal strengths and weaknesses of the company as well as the external opportunities and threats, and secondly, to establish connections between them. The SWOT-analysis of Alliance Bank is described below. Strengths Weaknesses Support of Samruk-Kazyna Years of experience Extensive branch network Extensive acquiring network (ATMs, cash-in ATMs, POS-terminals) Innovative technologies Professional bank management Brand name recognition (recent rumors about bank default) Low-speed service with a large flow of clients Low-level promotion of banking products Shrinking loan portfolio Opportunities Threats The tenth largest bank in terms of assets in Kazakhstan Development of technology (Online banking, fingerprints) Geographic expansion Long-term partnerships with major companies Cover new demands of current customers Expand the customer base Publicly traded on KASE Customer dissatisfaction with new banking products Increased competition Unstable economy of the country (possibility of a financial crisis, devaluation of the local currency, inflation) Changing legal and tax provisions The possibility of clients default Change in oil prices Increased regulation of capital requirements Strengths of Alliance bank are the characteristics of the business that give it an advantage over the competitors. These characteristics may include personnel, finance, and manufacturing capabilities and so on. Weaknesses are the attributes resources that work against a successful outcome. Strengths and weaknesses are internal attributes and the company can use its strengths to liquidate the weaknesses. For instance, Alliance Bank JSC has an extensive branch network including 19 branches and 106 cash offices in 51 cities and rural settlements of the Republic of Kazakhstan. They can use their extensive branch and acquiring network to increase the level of promotion of banking products in cities and rural areas. Another example is to use the innovative technology to deal with low-speed service when there is a large flow of clients. The bank could automatize its operations. Opportunities are the external factors the business can capitalize on or use to its advantage. Alliance bank has a n opportunity to expand geographically to new markets. For instance, Kazkommertsbank has branches in different countries of Central Asian region, which allows them to expand their customer base and increase their profits. Threats are the external factors that could jeopardize the business. External factors may include  macro-economic factors, technological changes, legislation and socio-cultural changes as well as changes in the market place or in competitive position. For example, due to the recent devaluation of KZT in February, 2014 Alliance Bank customers withdrew 55 billion KZT in two weeks from the moment of the announcement of the devaluation. As explained to the bankers, since the beginning of the National Bank’s announcement of the devaluation in the period from 11 to 17 February, investors withdrew 25 billion KZT from their accounts. And after the SMS-attack, in the period from 18 to 21 February, another 30 billion were withdrawn from the bank. This amounted to one third of the deposit base. Conducted SWOT analysis helps to analyze how our Company proceeds and what kind of opportunities and strengths we have, additionally, it helps to identify what threats and weaknesses we have. One of the basic strength of our company is experience that we have in banking industry. Alliance Bank is supported by SamrukKazyna fund, which is trust-worthy fund. Another strength is extensive branch network, which allows bank to operate in 51 cities and rural areas of Kazakhstan. Due to recent financial problems, bank is trying its best to deal with these kinds of strengths in order to overcome financial distress and possibility of new technological default. Recapitalization of bank by the government resulted in injection of 24 billion KZT. SamrukKazyna owns today 67% of shares of the bank, and bank is looking for opportunities of finding capital investors in order to buy shares of the bank. VRIO analysis The VRIO Analysis is an analytical technique which for each type of resource considers the following questions (evaluation dimension) for an organization as well as for its competitors. In practice, the VRIO analysis is also used in combination with other analytical techniques to help organizational management evaluate business resources in a more detailed view. For financial resources, there are many detailed financial indicators that evaluate the financial condition or performance of the business from different perspectives. Likewise, humanresources, property or information are other detailed indicators of their performance, efficiency or quality. The advantage of a VRIO analysis is its simplicity and clarity. Value Chain Product Development Alliance Bank has two primary product offerings: personal banking and commercial banking. Commercial banking is the largest of these, comprising more than half of the bank’s portfolio. Commercial blends are segmented by business size and feature a combination of accounts, credit cards, lines of credit, merchant services and cash/investment management services. Personal banking blends are segmented by customer age and include services such as checking and savings accounts and credit cards. Product Support Suppliers Alliance Bank leverages and backs up its products with hedging instruments in order to maintain a stable financial base. This involves in-house development of a diversified portfolio, market analysis of deposit versus lending activities as well as the purchase of risk-hedging tools to back its  lending products. However they have to increase the efficiency of their product development. Marketing Alliance Bank has differentiated itself within the crowded field of commercial banking through its marketing and brand-building efforts, steadfastly emphasizing customer service andalso reframing theirs as a retail organization. Alliance Bank has established a brand strongly. Over the past years, Alliance Bank has invested heavily in rebuilding a brand image which was negatively affected during the financial crisis on 2009. Alliance promotes itself as an â€Å"innovative, customer friendly retailer of financial products and services† whose aim is â€Å"to connect with the public on an individual level†. They have pursued this strategy through more traditional (TV, radio, brochures, newspapers and billboard) campaigns. Sales and Service Service is a critical differentiator for a community bank because most financial products are homogeneous. It therefore makes sense that Alliance has made unsurpassed service a key strategy company-wide. Much like Alliance’s efforts at creating a community atmosphere, this strategy could be easily replicated by other banks. Here Allianceis afforded at least a competitive parity. Information Technology and Human Resources Human Resource Development and Information Technology are two underlying segments of Alliance’s value chain that support all their other lines of business. For its part, IT’s strategic relevance is limited by the simple fact that most banking platforms are acquired from third-parties due to their huge development and support costs. These platforms tend to constrain service because they are geared more towards security and stability—for obvious reasons—than flexibility. IT is therefore generally a threat to Alliance’s quest to provide innovative banking solutions. HR, on the other hand, is a strategic asset that Alliance continually employs to support their unique service culture. HR has successfully managed the organization’s culture via a variety of methods: ongoing employee development/training programs, astute hiring practices, etc. 4. Recommendation (Corporate Strategy) Before making the recommendation concerning the Corporate Strategy, the profound analysis of the Company overview was made. Because of devaluation in Kazakhstan, the company is on the stage of technical default. Meantime, the financial sector in Kazakhstan is very vulnerable and some of the banks’ situation is becoming even worse. Alliance Bank is looking for new opportunities to get out of this situation. According to Madina Abdina, the head of Almaty branch of Alliance Bank, the bank is looking for investors to do restructure. This activity will save the bank from the bankruptcy. According to Banking Report of the Republic of Kazakhstan, Alliance Bank holds only 4% of total asset of Kazakhstani market. It means that Alliance Bank is not as big as â€Å"Halyk Bank† or â€Å"Kazkommertsbank†. Nevertheless, the company managers and employees doing their best to save their bank. One of the most optimal recommendations during this period would be to restructure the bank. When the bank returns the previous position, then it could look at other opportunities, which we will offer. We will recommend the bank to apply growth strategies. First is, through concentration strategy. The company can launch new services within the business or expand its business through expanding its geographic locations. We will talk about this issue later in this part. The first recommendation is that Alliance Bank should sign a Strategic Alliance with market’s giants; â€Å"Kazkommertsbank† or â€Å"Halyk Bank†. According to Banking Report of the Republic of Kazakhstan, â€Å"Kazkommertsbank† and â€Å"Halyk Bank† hold 18% and 19% respectively. This would be a good chance for Alliance bank to expand its business and to have new customers, but they should offer a good proposal to those banks. Another recommendation is offering new service as a product development. According to Forbes, Insurance is one of the most profitable businesses. Of course, there are many insurance companies in Kazakhstan, but according to the World Bank, life insurance still has not developed in Kazakhstan. Therefore, Alliance Bank can open an insurance company under the financial sector. The next recommendation relates to concentration strategy. The purpose of a concentration strategy is to provide a singular focus to the product line, and the market in which the company chooses to compete. The concentration strategy may be approached through market development or product development. In the case of Alliance bank, we recommend to concentrate on  market development through geographic expansion. In today’s rapidly globalizing economy, a well-planned and properly managed geographic expansion can help a business reduce costs, gain access to new markets and fuel the company’s future growth. In his article â€Å"The Effects of Geographic Expansion on Bank Efficiency†, Berger and DeYoung note that geographic expansion may allow scale or scope efficiencies that reduce costs or enhance revenues. Linking branches, ATMs, and back-office facilities over a larger geographic area may yield network economies. A more geographically broad institution may also be better able to serve business customers that have many locations, and may have a broader menu of potential new investment opportunities outside its home market. As we can see, there are numerous advantages of geographic expansion. In case of Alliance bank, it can open its branches in neighboring Central Asian countries, like Tajikistan and Kyrgyzstan. Known to all, those countries are the least developed countries in the region and Alliance bank is able to introduce many new things to these markets. The products and services that are not highly accepted in Kazakhstan due to a big number of good banks in this region can have a greater success in Tajikistan and Kyrgyzstan. The main reason is that the banking system is not highly developed in those countries and there is a lack of good banks there. The example of a Kazakhstani bank that expanded geographically is Kazkommertsbank. It already has its successfully operating branches in Kyrgyzstan, Tajikistan and the Russian Federation. Alliance bank has the same potential to succeed by geographic expansion. In the long term, Alliance Bank can expand to other regions of the world, access new markets and grow in the future. 5. Recommendation (Business Strategy) Due to rapid development of technology, Alliance bank can use an opportunity of creating a more developed SMS-banking system. SMS-banking is type of mobile banking, which allows customers to operate selected banking services over their mobile phones using SMS-messaging. Alliance Bank already had implemented internet banking. Still, it is not widely used among its customers due to inconvenience of usage. Bank has to promote its online banking system and SMS-banking very actively so that customers get to know the services of bank. By developing the SMS-banking, Alliance Bank will have a chance to compete with its rivals, differentiate its services from other  banks, which do not have internet-banking and SMS-banking yet. SMS-banking is well developed in international banks, as well as in Kazakhstan. One of the banks that use this system is Kazkommertsbank. Thus, Alliance Bank can differentiate its services by using one more feature to its customers. SMS-banking is very trustful, safe application that allows doing following operations: Balance enquiry Statement request Fund transfer to account number Fund transfer to mobile number Current exchange rates information; deposit interest rates Bank could spread new offerings, i.e. do mobile marketing through the SMS-banking, which allows decreasing the amount of funds spent for marketing. Bank could also use one of the latest tools against cyber-fraud – One-time password. OTPs are requested each time customer wants to perform transactions. Once password is used, it expires. Most of SMS-banking solutions are add-on products, which work on bank’s existing platform. Today, however, some companies develop independent applications that allow using SMS-banking. For instance, Alliance bank has access to â€Å"SMS banking† application for Apple products. The problem with this application is that it is only available for Apple products and also it is not easy to use. Ratings of users remain very low. There is one more application available for android system, called â€Å"Handpay†. This application, however, is also not easy to use, requires high speed of internet. Payment is only withdrawn for SMS-requi ries sent to the bank. However, customers do not find it useful. Therefore, we suggest developing a new platform for the bank. Firstly, it will increase the safety of operations for customers. Secondly, it will allow bank to charge customers with monthly fee (200 KZT for example), which is additional source of income. Thirdly, it will allow bank to spread information about new products without spending money for advertisement (through pull messages). Another business strategy recommendation for Alliance Bank is to introduce a new service – pension accounts. This is very convenient service for Alliance Bank subscribes because their long term clients will stay with their bank even during pension period. This service gives an opportunity for pensioners to get their pensions and make other  transactions with the same account. Alliance Bank should think about new activities which differentiate them from their competitors. One of such activities is launching pension cards for free. Another activity which our team recommends to Alliance Bank is that the bank should offer pensioners to buy or order Internet transactions with lowest possible rate. Pension accounts will give Alliance Bank and additional opportunity to expand its network. 6. Recommendation (Functional strategy) The functional strategy of the bank should be based on both recommendations on corporate and business strategies that our team offered. Different departments in the bank, such as Human Resource, R&D, Marketing and Accounting/Finance realize functional strategy. The main aim of functional strategy is to assure that corporate and business strategies implemented by the bank are successful. Alliance Bank should implement following activities for each of the above-mentioned departments: Corporate Strategy Business Strategy Strategy/ Department Strategic alliance Insurance Company Geographic expansion SMS Banking Pension account Marketing Think of appropriate way to deliver this message to customers Calculate efficiency of these alliance Use Push marketing Think of appropriate way to enter insurance market Use Pull marketing Contact local advertising agency to plan their marketing campaign for entering new market Use Pull marketing Think of appropriate way to deliver this message to customers Use Push marketing Think of appropriate way to deliver this message to existing clients Use Push marketing H&R Select new manager for executive position Hire new personnel for new company Select and send their specialist to the new market Hire new local people for different positions Train the local personnel Hire appropriate IT specialist Teach marketing team the usage of the technology Assign a team from existing staff R&D Make research before the implementation of alliance Monitoring the efficiency of alliance Technological leader Research about current market on insurance industry Technological follower Research on the situation of the banking industry in Tajikistan & Kyrgyzstan Technological leader Research sms-banking application and find the most appropriate and easy to use Technological follower Technological follower Accounting/Finance Create pro-forma statement Find the most appropriate investors Find the ways to minimize the costs of opening the new business Calculate the future profits of the company Consider the opportunity of debt financing versus equity financing Find the ways to minimize the costs of opening the new business Calculate the future profits of the company Create pro-forma statement Create pro-forma statement 7. Implementation According to our recommendations, Alliance Bank should introduce; 1) Strategic alliance with Kazkomertsbank and Halyk Bank, 2) Introducing insurance company, 3) Geographic expansion under corporate strategy. Additionally, there were some more recommendations under the business strategy such as: SMS banking and pension account. Accordingly these new activities and businesses will change organizational structure of Alliance Bank and may introduce new management strategy. For signing Strategic Alliance, the bank itself will be responsible for all documentations. As for introducing insurance company, the company will have another division with responsible management. This would be the example of divisional type of organizational structure. In case of opening Alliance Bank’s branches in Tajikistan or Kyrgyzstan, the company should have a new managerial position with all functional areas in both countries. Here, Alliance Bank showing the geographic type of organizational structure. General Manager of both country branches will rapport to CEO of company in Kazakhstan. As about introducing SMS banking, the Engineering Manager and R&D Manager will be responsible for launching this service. When this service starts operating, a new manager should coordinate this service. In case of pension account, a new manager under the CEO of Alliance Bank will be assigned. In last two activities Alliance Bank will have the combination of functional and matrix types of organizational structure. It shows that implementing our recommendations will change the organizational structure of Alliance Bank significantly. 8. Conclusion The current situation of Alliance Bank makes the managers to think about new strategic plans in order to survive further. The company’s external and internal analyses show that company can introduce new activities and businesses which would be profitable for Alliance Bank. Our recommendations are based on analyses of SWOT, VRIO, Value Chain and PESTLE. Alliance Bank should introduce corporate strategies as Strategic Alliance with Kazkommertsbank and Halyk Bank, establishing a new Insurance Company and expanding geographically. Implementation of Strategic Alliance would take 3-5 months; establishing an insurance company would take 3-4 years; and geographic expansion would take much longer – 4-5 years. Alliance bank should introduce business strategies as SMS-banking and pension accounts.  Development of the SMS-banking would take 1 year and the development of pension accounts would take 3-4 years. To successfully implement the corporate and business strategies, Allianc e bank should involve all the departments of its company. Therefore, Alliance bank should have a good functional strategy. This would include involvement of Marketing, Human Resource, Research and Development, and Finance and Accounting departments. Overall, by summing up all those strategies we developed recommendations for Alliance bank which includes usage of corporate and business strategies in different situations as this would help a company to recover from the technical default and improve its current financial situation. 9. References Berger, A. N. & DeYong, R. (n.d.). The Effects of Geographic Expansion on Bank Efficiency. Journal of Financial Services Research. Retrieved from http://www.federalreserve.gov/pubs/feds/2001/200103/200103pap.pdf Biery , M. E. (2013). The Most Profitable Businesses to Start. Forbes. Retrieved from http://www.forbes.com/sites/sageworks/2013/04/28/the-most-profitable-businesses-to-start/ Clardy, A. (2013). Strengths vs. Strong Position: Rethinking the Nature of SWOT Analysis. Modern Management Science & Engineering, 1(1). Kazakhstan commercial banking report. (2012). Business Monitor International. Kazakhstan Overview. The World Bank, (2014). Retrieved from http://www.worldbank.org/en/country/kazakhstan/overview Tatum, M. (2014). What Is a Concentration Strategy? Retrieved from http://www.wisegeek.com/what-is-a-concentration-strategy.htm Toktabayev, K. (2013). Internet Banking. Business Review. Retrieved from http://profit.kz/articles/2019/Internet-banking-2013-ili-Odin-v-banke-dnem-she st-let-spustya/ Vidyanova, A. (2014). Alliance Bank Faced Technical Default.Capital Finance. Retrieved from http://kapital.kz/finance/26763/v-alyans-banke-proizoshel-tehnicheskij-defolt.html Yertayev, Z. (2013). Position of Kazakhstani banking system today – Review. Forbes journal. Retrieved from http://forbes.kz/life/opinion/v_kakoy_zone_nahoditsya_bankovskaya_sistema_kazahstana