The Impact Of Credit Scoring And How Best It Can Be...

In this chapter, i aim to present a background on the changes in credit scoring and how best it can be implemented within the nancial sector, also highlighting past researches done on the issues with credit scoring and show the approach used in achieving their results. 2.2 Credit The term credit can be dated back as far as when human languages and friendships began. In the past people borrowed cowries (a form of money in certain areas of the world) from friends to take care of personal issues with the intention of paying back as soon as their crops were harvested and sold during the market days. As civilisation progressed,credit grants became more important to individuals, Small and large organisations to fund businesses and living†¦show more content†¦The history of consumer credit scoring can be dated back to half a century ago [3]. However, history records the same approach was used to identify groups in a population even before. In 1936 Fisher came up with the rst approach a method that identied various groups in a population. He was keen to nd out the dierences between two varieties of iris through the measurement of the physical sizes of plants, thus ascertaining the dierence in the origins of skulls using their physical measurement. In 1941, Durand discovered that the same credit scoring technique could be used to distinguish between good and bad loans. Though his research project was for the National Bureau of Economic Research, it wasn t used for any predictive purpose. Due to the positive eect of credit scoring in credit cards, banks in the 1980s started using credit scoring in personal , home and small business loans, a method which is still utilised till date [1]. Credit unworthiness has always been a problem encountered by the nancial sectors as they are faced with lapses regarding the credit they oer to individuals and corporate bodies. The credit obtained from nancial sectors is sometimes not repaid. To minimise the risk of unpaid credit, nancial sectors have devised a number of techniques to mitigate this risk. One of such techniques discussed in the latter part of this report, is credit scoring. Credit

Native Americans and Early American Colonists Essay

Native American and Early American Colonists Grade school and even beginning level college history classes have taught early American exploration from a largely one sided view of the conflict between early explorers and Native Americans. The traditional image of the Native Americans as the sole victims, is an oversimplification of the conflict that existed between early explorers, settlers and Native Americans. Through the readings from Columbus, Bradford and some selected Native American writings, the traditional view of the Native American victim will be challenged and a broader view of the conflict will be presented. Columbus set out to explore a new land under the Spanish flag to bring riches and fame to Spain and the throne. In†¦show more content†¦70). One last important viewpoint to give credence to is that of the Natives themselves. This account is unique and oftentimes not told. The first story mentioned is that of the freeing of John Smith as a ceremonial act that the natives hoped would earn them respect fr om the English. This instead had the opposite effect and eventually brought about an attack from the natives which killed over 500 colonists. In a speech from Pontiac (1763) he expresses concern over his people forgetting their heritage and blaming the English for the polluting of his people’s culture and beliefs. He holds the English in complete responsibility and calls for their blood. The traditional view of the natives as the sole victim is an oversimplification of the problems revolving around immigration and cultural diversity. Just from these three personal accounts from the time period we have three very different views of the issue. So, to say that one peoples are the victim is a gross oversimplification and misrepresentation of history. Columbus, C. (1493). Letter to Luis de Santagel Regarding the First Voyage. In Baym, N. (Ed.). (2008). The Norton Anthology of American Literature (seventh ed., pp. 24-28). New York, NY: W.W. Norton Company, Inc.Show MoreRelatedNative American And English Colonists1056 Words   |  5 Pages English colonists first came to America late 1500s with the lost colony of Roanoke. English settlers then tried again for a permanent settlement in the early 1600s with Jamestown. Following Jamestown the English were consistently sending new colonists from England to America. The first English settlers had faced quite the hardships. None of the colonists were prepared or equipped with the knowledge to survive in their new environment. This is where Native American and English colonists interactionsRead MoreAmerindian Arguments and Actions Essay771 Words   |  4 Pages The Native American chronicle is one of treachery and death. These Indians lived lives of concord and prosperity for centuries. However, their reign terminated with the arrival of European settlers in the 15th century. 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Some were servants that needed to pay off debt while others wanted toRead MoreEarly Encounters Between the American Indians and European Colonists1355 Words   |  6 PagesThe Native American s encounters with European colonists led to different interactions between the two, as well as a development of varied relationships. America had been home to Native Americans since around 13,000 B.C. The Europeans arrived in America around 1492 to find that the land was already inhabited. Before the Europeans arrived, the Native Americans had lived in harmony with nature and with each other in communities, having strong family ties. When the Europeans arrived, they held differentRead MoreNative American And The Early Republic Essay1226 Words   |  5 Pagesdone to it. The natives that were left behind unharmed then rebuilt homes. â€Å"For all the devastation they suffered, Indians remained a force to be reckoned with during and after the Revolution. 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European empire at the time, such as the French, England and Spanish empires, often fought against each other for power and control. After the European tried to colonized, the Native American suddenly found themselves dealing with European power politics. The arrival of Europeans into the New World meant new political relationships for both the European and the Native Americans. Each side had thing to gain and loss in this kindRead MoreConsequences Of European Colonization1112 Words   |  5 Pagesto their own. In the late 1800’s , the rare Native Americans that were left in the United States were practically extinguished. Many diverse things contributed to their near-extinction, some were considered intentional and some unintentional. Some tribes made the decision to go willingly, and some decided to fight to their death but in the end, it was confirmed that Native Americans and settlers could not live together in amity, and the Native Americans were the ones at harm. 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Reel Injin vs. Doctor Lawyer Indian Chief Free Essays

Coastlands of films have somehow, directly or indirectly, touched on the subject of native issues. The Reel Injury and Doctor, Lawyer, Indian Chief are Just a couple of examples. After comparing the two films, I believe that the Reel Injury is the better- suited movie to be studied by my grade 9 class. We will write a custom essay sample on Reel Injin vs. Doctor Lawyer Indian Chief or any similar topic only for you Order Now This is true since the film is more interesting to the age group, the timeline is broader, and it addresses native issues in greater detail. The film, the Reel Injury is more interesting for a class of grade g’s than Doctor, Lawyer, Indian Chief. The film Doctor, Lawyer, Indian Chief is much harder for the students to relate to. Doctor, Lawyer, Indian Chief was made in 1986 and while the Reel Injury was made recently, in 2009. When students are viewing this film it could be distracting and feel dated since the film was made over 25 years ago. Since 1986, there have been drastic improvements in the way films are being shot and the picture quality. Everything that the grade 9 class has been viewing in modern media has been in the same format as the Reel Injury and has also contains the same fashions and appearances. Since the Reel Injury was filmed within the last 5 years, students can connect more with the language, art form and media quality. The Reel Injury contains more action, which students will find more interesting. The Reel Injury contains movie clips from over the past century whereas Doctor, Lawyer, Indian Chief is strictly interviews. As a result of the Reel Injury incorporating movie clips, it adds extra action. The higher level of action will keep the students intrigued and they will pay more attention to the information. The format for Doctor, Lawyer, Indian Chief is ere dull as it only contains non-fiction clips taken by the Director. The timeline in which the Reel Injury contains is superior to Doctor, Lawyer, Indian Chief. The Reel Injury shows the progression over time. â€Å"Cree filmmaker Neil Diamond takes an entertaining and insightful look at the Hollywood Indian, exploring the portrayal of North American Natives through a century of cinema. † (Aquatint). The Reel Injury in traveling through a century of cinema whereas Doctor, Lawyer, Indian Chief is only focusing on the year of 1986. This is less effective in showing the regression of how things are improving. As a result of the improvements being noted, students will be more inspired, and can have hope towards solving the issues completely one day. Doctor, Lawyer, Indian Chief only focuses on the year in which the film was made. A quote from the description of the film states that â€Å"Each of these women talks about how she got to where she is today†¦ † (Geodes). However where she is â€Å"today’ was in the year of 1986, when the documentary was produced. As a result of the film being produced so long ago the stories are now irrelevant as the runner state of native women in the workplace has drastically changed. When the film the Reel Injury displays the information with a timeline, starting a century ago, it is event how far we have come and also how far we need to go. This provides an idea of hope, but also shows that there is still a problem for natives today. The Reel Injury deals with native issues to a greater extent than the film Doctor, Lawyer, Indian Chief. Doctor. Lawyer, Indian Chief focuses only on the positive side of things. Comparatively, the Reel Injury exposes what is wrong with the way native people are portrayed. A tribute to Native women everywhere, this short documentary focuses on 5 Native women from across Canada†¦ They have achieved success in a variety of careers†¦ † (Geodes) is a quote from the National Film Board when describing the film. The film is not a documentary to expose native issues but a tribute to native women who have successful careers. This is not effective for a class of grade 9 students, as they will not think there are any issues. D octor, Lawyer, Indian Chief will not inspire anyone to make a change towards the native obstacles we are errantly facing. Doctor, Lawyer, Indian Chief takes a more positive approach as it only talks about successes with native women in the work place. The Reel Injury however exposes problems within the film industry. This will inspire people to look into more issues relating to natives. When the students start thinking about their own stereotypes towards natives that are exhibited in the movie, they will become more aware of what is wrong with societies view. This will inspire the students to further their own research on native issues. From this it could grow to help change al of the obstacles natives are facing today. Showing a movie, which incorporates the stereotypes natives are dealing with, can make students change their own views on natives. â€Å"Traveling through the heartland of America, and into the Canadian North, Diamond looks at how the myth of â€Å"the Injury† has influenced the world’s understanding – and misunderstanding – of Natives. † (Bantering). This is a direct quote from the National Film Board website and outlines what the movie addresses. While this â€Å"myth† is being exposed in the movie, it could change the views of the dents in the class. The ultimate goal of the moviegoers was to try an expose the myth of the Injury directly within the film industry but also within all of society. I believe the film met this goal and therefore would help in changing the stereotypes of natives that the students believe. In conclusion, the Reel Injury is the better-suited movie, in comparison to the Doctor, Lawyer, Indian Chief, to be studied by my grade 9 class. The Reel Injury is more interesting to the age group, it has a superior timeline, and it addresses native issues ore effectively. How to cite Reel Injin vs. Doctor Lawyer Indian Chief, Papers

Issue In Institutional Racism Essay Example For Students

Issue In Institutional Racism Essay The history of the United States is one of duality. In the words ofthe Declaration of Independence, our nation was founded on theprinciples of equality in life, liberty and the pursuit of happiness. Yet, long before the founders of the newly declared state met inPhiladelphia to espouse the virtues of self-determination and freedomthat would dubiously provide a basis for a secessionary war, those samevirtues were trampled upon and swept away with little regard. Beneaththe shining beacon of freedom that signaled the formation of the UnitedStates of America was a shadow of deception and duplicity that wasessential in creating the state. The HSS 280 class lexicon definesduality as a social system that results from a worldview which acceptsinherent contradictions as reasonable because this is to the believersbenefit. The early years of what would become the United States wascharacterized by a system of duality that subjugated and exterminatedpeoples for the benefit of the oppressors. This pattern of duality,interwoven into our culture, has created an dangerously racializedsociety. From the first moment a colonist landed on these shores,truths that were self-evident were contingent on subjectiveinterpretation. This discretionary application of rights and freedomsis the foundation upon which our racially stratified system operateson. English colonists, Africans, and Native Americans comprised the earlyclash of three peoples. Essentially economic interests, and namelycapitalism, provided the impetus for the relationships that developedbetween the English colonists, the Africans, and the Native Americans. The colonialization of North American by the British was essentially aneconomic crusade. The emergence of capitalism and the rise of tradethroughout the 16th century provided the British with a blueprint toexpand its economic and political sphere. The Americas provided theBritish with extensive natural resources, resources that theagrarian-unfriendly British isles could not supply for its growingempire. When Britons arrived in North America, the indigenous population posedan economic dilemma to the colonists. The Native Americans were settledon the land that the British colonists needed to expand their economiccapacity. To provide a justificatory framework for the expulsion ofNative Americans off their land, the English colonists created aideology that suited their current needs. The attitude of Anglos toward the Native Americans began as one ofambivalence and reliance. When the English first arrived in NorthAmerica, they needed the Indians to survive the unfamiliar land andharsh weather. Once the English became acclimated to their surroundingsand realized that the Indians were living on valuable land, it was onlya matter of time before guns and shackles replaced treaties andhandshakes. In the name of Christianity and capitalism, the English colonistsquickly turned their backs on the short lived missionary zeal thatcharacterized the early colonial period. Now, the savage Indians wereviewed as unable to save themselves and extermination would be a worthyenterprise in the sight of the Lord. The idea that one possesses aGod-given right to mistreat others runs through much of Western cultureand became especially acute in North America after the emergence ofcapitalism. For example, in New England many settlers rejoiced at the extraordinarydeath brought upon the Native American population by the introduction ofepidemic diseases. It was viewed as a way of thinning out thepopulation. In the world of the New Jerusalem, where a city was to bebuild upon a hill, such trite concerns were of little consequence forthose with divine providence. Duality, and its means of placing the truth and its allied freedoms inthe hands of the powerful, furnishes the chosen ones with widelatitude to create theoretical arguments that justify and perpetuatesystemic arrangements of inequality. John Winthrop outlined hisreasoning for the British right to North American land in terms ofnatural rights versus civil rights. Natural rights were those that menenjoyed in a state of nature (i.e. Native Americans). When some menbegan to parcel land and use tilled farming, they acquired civil rights(English colonists). Inevitably, civil rights took precedence overnatural rights. This method of thinking enabled privilege to theEnglish and provided a justification for the institutional and systemicextermination of the indigenous people (Growth 83). Before addressing the subjugation of African-Americans by the English,I think it is important that I make an important theoretical point in myargument. All political systems are rational, in the sense that thereis a logic and a thinking that guides those making the rules. Whitesupremacy and its associated beliefs (Christianity, patriarchalism, etc)provided the rationale for the creation of a system of duality that institutionalized racism. Robert Smith writes about the inherentcontradiction of espousing the self-evident equality of men and theirGod-given right to liberty while at the same time sanctioning genocideand slavery (Smith 8). The only way this incongruity could be remediedwas to deny the fundamental humanity of those being oppressed.Thatnegation of one group humanity by another is the crux of duality and aprinciple tenet of all forms of oppression and subjugation. Toobjectify a group of people provides an oppressor with a recourse forthe actions one takes. In the case of th e United States, subjugatedgroups are often reduced to a stereotype that is not based in fact: Native Americans were wild savages; Africans were lascivious, lewdbeings that engaged in bestiality with apes; Asians were sneaky,mysterious and not to be trusted. What is important is the stereotypefit an institutional definition that allows the group to be oppressedwithout self-reflection about ones perverse actions. Professor Turnermentioned in class the Sarte quote, To be a stone, you must make allaround you stone. And to act as a savage, one must make those aroundoneself savages. Yahweh is salvation EssayBakke was the last definitive statement the Supreme Court has made onaffirmative action in an educational setting. It allowed race to be afactor in admissions to universities and colleges but forbid the use ofquotas. In response to those that argued that the Constitution shouldbe color-blind, Thurogood Marshall wrote in the Bakke decision, thatfor several hundred years Negroes have been discriminated against notas individual, but rather solely because of the color of their skins. While interpretation is widespread and diverse on what that decisionactually meant, it has generally been interpreted as accepting theprevalence of institutional racism. Justice Blackmun stated in hisopinion that to overcome racism it may be necessary to take into accountrace, not in order to subjugate a race but for the purpose of endingsubjugation (Smith 158). So the question I would like to address is the furor over so-calledreverse racism brought on by affirmative actions programs. Aconservative argument against these programs states that any programthat addresses race is racist in nature. But the basic equationProfessor Turner outlined in dealing with racism was:Power + Privilege + Prejudice = Racism. Preconditions for racism include the ability to define the requirementsof participation and the power to subordinate a certain disadvantagedgroup. In this academic framework, it is absurd to consider affirmativeactions that seek to increase participation of African-American andother disadvantaged minorities in education racist because of the natureof the power and of the privilege relationships involved in thesepolicies. Unfortunately, the individual view of racism, defined innarrow personal terms, has come to dominate the public debate. Nolonger are politicians and the courts willing to address theinstitutional basis of racism. This brings me to the final point of thepaper: Should public policy be color blind in a race conscious society?In The Truly Disadvantaged, William Julius Wilson brought to theforefront the crisis of the underclass. Robert Smith critiques Wilsonfor his lack of recognition of racism as a factor in perpetuating anunderclass. Placing the blame for poverty and the underclass oneconomic causes, Wilson supports universal policy initiatives. But thisdoes not address the fact that African-American poverty is more severethan white poverty. And most importantly it does not address thestructure of racism and, consequently, of poverty. Institutional racismis a problem that lies at the heart of the African-American underclass. In the American Dilemma , Gunner Myrdal defined the cumulative nature ofdiscrimination, where discrimination in one area can result indiscrimination in another and then another, creating what is commonlycalled the vicious cycle (Smith 160). Specific programs are needed totry to break this cycle. A recent Cornell Review article, addressingaffirmative action in the California school system, stated thatAfrican-American students were admitted to the universities with anaverage SAT score of 300 points below what the average white, acceptedstudent achieved. While this article attacked affirmative actionpolicies as unfair to white app licants, I think as a society we need toaddress the question of why there is a 300 point gap between the twogroups. In Myrdals framework, it makes perfect sense to attack a linkin the cycle, by providing an educational opportunity that will paydividends in the long run. In a 1965 speech to Howard University, Lyndon Johnson provided thisargument for affirmative action programs to address institutionalracism: We seek not just freedom but opportunity not just legalequity but human ability not just equality as a right and a theory butequality as a fact and as a result (Smith 160). Institutional racismis embedded in our society and will be most difficult to extricatebecause it involves a forfeiture of privilege. But the stakes are highand the consequences of inaction seem to be severe. Freedom is only thefirst step towards the establishment of true equality. Works CitedOkhiro, Gary. The Victimization of Asians In America. The World AndI.April 1993, pp. 397-413Racism In The United States Course Packet. Growth of the EnglishIdeology of Race In America, ; Ringer, John We The People And Others ;The Heathen Chinee, And American Technology; Puerto Rico As AnUnincorporated Territory: The Early Years And The Struggle OverAmerican Citizenship. Smith, Robert. Racism In The Post Civil Rights Era. SUNY Press. Albany1995. Social Issues

Killer Whales Scientific Classification Order & Genus Essays

Killer Whales Scientific Classification: Order & Genus Killer Whales Scientific Classification: Order & Genus. The scientific order of all types of whales is Cetacea. This large order is broken down into three further groups as well: the toothed whales or Odontoceti, which includes killer whales, dolphins, porpoises, beluga whales, and sperm whales, the baleen whales or Mysticeti, which include blue whales, humpback whales, gray whales, and right whales, and the Archaeoceti order, which are all now extinct. The genus of these species is Orcinus orca. Family. The killer whale is the largest in its family of delphinid. Bottlenose dolphins, common dolphins, and Pacific white-sided dolphins are included in this group as well. The scientific name for this family is Delphinidae. Fossil Record. Modern forms of both odontocetes and mysticetes can be seen in the fossil record of five to seven million years ago. Scientists believe that early whales arose about fifty-five to sixty-five million years ago from, now extinct, ancient land mammals that happened to venture back into the sea. Habitat And Distribution: Distribution. Killer whales can be found in all oceans of the world. They are the most numerous in the Arctic Ocean and the Antarctic. However, their distribution is limited by seasonal pack ice. Habitat. The main living environment for killer whales is open oceans but they can also be found in coastal waters as well. Migration. Killer whales are very important in the oceans because they cause much of the migration of many fish and other prey. The movements of the killer whale to and from certain areas cause the other prey to move as well. Population. The worldwide population of killer whales is unknown, however they are not endangered whatsoever. Specific populations in a few areas have been estimated in recent years and some areas of the Antarctic alone have about 180,000 killer whales. The population can be distinguished because killer whales travel in pods, or groups. The resident pods can vary from as few as five to as many as fifty whales. The transient pod size varies from one and seven individuals. Physical Characteristics: Size. Male killer whales average about twenty-two to twenty-seven feet and usually weigh between 8,000 and 12,000 pounds. The largest male ever recorded was thirty-two feet and weighed about 21,000 pounds. As a male approaches adulthood, it acquires the typical male characteristics: it gains weight, and its pectoral flippers, dorsal fin, and flukes grow larger than those of females. Female killer whales average about seventeen to twenty-four feet and usually weigh between 3,000 and 8,000 pounds. The largest female recorded was twenty-eight feet and weight about 15,000 pounds. Body Shape. The killer whale has a sleek, streamlined body. Its physical characteristics are adapted for life in an aquatic environment. Coloration. Killer whales are easily recognized by their distinct coloration. The dorsal surface and pectoral flippers are black, except for the area below and behind the dorsal fin. The ventral surface, lower jaw, and undersides of the tail flukes are mostly white and the undersides of the tail fluke are lined with black. A white eyespot is located just above and slightly behind each eye and a gray saddle is located behind the dorsal fin. The distinctive coloration of killer whales is a type of disruptive coloration, a camouflage in which the color pattern of an animal contradicts the animal's body shape. By the flickering, filtered sunlight of the sea, other animals may not recognize a killer whale as a potential predator. Thus, making it easy for the killer whale to get to its prey. Body Parts. A killer whale has distinct pectoral flippers, or forelimbs. They have the major skeletal elements of the forelimb's of land mammals, but they are foreshortened and modified. They are rounded and paddle-like and are used mainly to steer and, with the help of the flukes, to stop. The flukes are the lobe of the tail on a killer whale. They are flattened pads of tough, dense, fibrous connective tissue, completely without bone. A large male killer whale may have tail flukes measuring up to nine feet from tip to tip. All traces of hind limbs have disappeared except for two reduced, rod- shaped pelvic bones, which are buried deep in the body muscle. These reduced hind limbs are not connected to the vertebral column however. The dorsal

Literary Research Paper Writing Prompts

Literary Research Paper Writing Prompts Literary Research Paper Writing Prompts Literary researches, though given not too much attention by many tutors and professors, form he greater part of the students’ writing assignments. To master the skills needed to conduct good literary researches, students need to be diligent and attentive to details. There are several important aspects which are to be constantly considered when composing a literary research. The present article would address them attempting t help students gain more knowledge on literary research writing. The foremost skills to be mastered when composing a literary research concerns proper choosing of the bibliographical sources. It is not a secret that the sources selected for this or that academic paper are to be credible and scientific, true and not out-dated. Thus, to select a literature source during the literary research, the student needs to pay attention to the author and volume of publication of this or that sources, as well as the publishing house and date. If all of these pieces of information seem credible and worth attention, then the student may proceed with referencing this or that work. What is more, the student should have knowledge on comparing the peer reviewed articles from those which are not. It is crucial for some academic papers to be citing only the peer reviewed sources, and many students find it difficult to distinguish between those. So, information and credible sources seeking is the foremost stage of every literary research written by a student. Another important step in composing a literary research concerns critical evaluating of this or that information found during the first phase of writing. The information presented in the literary sources, and in the Internet as well, may not always be true, and students blindly relying on it may sacrifice their academic reputation. Sometimes, they fail to prove the facts to be included into the research and thus, their paper could not be considered good as well. Students need to have the critical thinking skills as well as ability to apply the appropriate analyzing principles to identity if the given study is relevant, unbiased and valued for the further literary research. This is the skills which could not be grasped immediately, it usually takes long time before it is mastered. If you feel that you are not yet as good in literary research composing, as you’d desired to, you may always contact the customer paper writing agencies online for the help. The team of freelance writers working in such companies would help you define the credible sources for the literary research, as well as do the first step in composing of this academic assignment. Thus, their helping hand would be really of great value to such students who are not very familiar with the rules and procedures of literary research composing. At you can a great opportunity to buy research paper online, 100% custom written from scratch. Our experts will provide you with professional literary research paper writing assistance!

Homework # 5 Assignment Example | Topics and Well Written Essays - 250 words

Homework # 5 - Assignment Example From better business confidence to improved exports to more foreign demand to stronger employment sector, Canada is enjoying a healthy phase of growth. However, the overall outlook is rather ambiguous and it is not yet fully known how the drop in oil prices is bound to affect Canada in future. The press release also reveals that an uncertain outlook is the result of lower oil prices. In order to handle the negative impacts of lower oil prices, the Bank expects to make the Canadian economy stronger than ever before. This will be accomplished by increasing real GDP growth. The Bank will also adopt such a monetary policy which will help in minimizing risks caused by the oil price shock and returning the Canadian economy to full capacity. The current target for the overnight rate is 0.75% as per the press release for 21 January 2015. The bank rate is of the Bank of Canada is 1 per cent and the deposit rate is 1/2 per

Improvement in advertising, enhances consumer culture of society Essay

Improvement in advertising, enhances consumer culture of society - Essay Example One such advert is the ‘Impossible Field’ by Adidas that featured English football icon in striking David Beckham as well as other Adidas top list players, playing football on a steel girders field. They play against the odds of darkness and height, showing the balanced properties entrenched in the Adidas Predator soccer boots that were newly released in the market. It becomes apparent that the girders refer to a football field’s raised lines. One by one red dressed players courtesy of the athletic capacity and superior ball skills of the Adidas team are knocked off the girders. Eventually the ball is kicked with a high force into the goal that the goalie gets knocked back into his net (Maryon, 1). The entire goal falls back into what can be described well as nothingness, hence the tagline of â€Å"Impossible is Nothing†. It leaves a lot of imagination as to the influence this had on the marketability and consumption of the Adidas products. The best possibl e results expected and realized in the strongest business terms possible. At this point, it can be appreciated that of all the weapons of marketing, advertising affects most the minds of the viewers because its exposure is considered much more. This is better understood by defining advertising as a way of communicating for convincing an audience to take purchase decision concerning a product or service as well as delivering information to viewers. In a study that examined effective advertising and the related influence on the buying behavior of consumers, there was found a moderate relationship amid independent variables (emotional response and environmental response) and dependent variable (consumer buying behavior). This finding indicated that consumers purchase brands according to their emotional attachment (Niazi, Javaria and Shah, 114). In essence television advert combines audio, visual and text form that appeals to a consumer. This demonstrates the power that advertising hold s especially concerning the decision of consumers to purchase a product or service. It can therefore, be argued that advertising greatly influences the marketability of a product or service in this dispensation of diverse products, superior quality and high innovativeness across various industries. Consistent with the findings above a study focusing on advertising and its connection with consumer behavior with special reference to nestle limited highlights the power of advertising and consumer. From the outset marketing offers a key to gain real access just to those brands that match best to the present environment i.e. â€Å"imperative† that can be delivered the people’s needs and they are eagerly waiting to make a purchase at the appropriate time without any dilly dallying (Kumar, Gangal and Singh, 112). It was found that consumers are greatly influenced via advertising in their preference as concerns the brand. This preference is mainly due to the brand’s ric h quality and attractive advertising policy. In that regard TV advertisements of the brand influence the consumers’ buying most. The brand’s language and creative presentation of TV advertisements are successful to convey Emotion, Message, Value system concerning the product (Ayanwale, Alimi and Ayanbimipe, 9). In a nutshell advertisement has an effect on the consumers’ buying behavior. Thus, companies benefit from advertisement campaigns not only in terms of retaining their

Regionlized Endogenous Growth in Est si Essay Example | Topics and Well Written Essays - 2750 words

Regionlized Endogenous Growth in Est si - Essay Example Following the pth of tht sin industril forerunner, four "tigers" - the two Jpnese ex-colonies, South Kore nd Tiwn, nd two islnds, Singpore nd Hong Kong, the first city-stte, the other British colony tht will soon revert to Chin - embrked on their own export-led mnufcturing revolution, doubling rel GDP every eight yers during 1950 to 1985 (n eight-fold increse in ll). In the lte 1970s, Chin ccelerted its mssive moderniztion progrm, introduced mrket mechnisms, nd welcomed foreign investment; since the 1980s, it hs been the world's fstest-growing economy, verging lmost 10% yerly in the lst decde nd hlf. Over tht period, three Southest sin countries - Indonesi, Mlysi, nd Thilnd - hve proved tht they, too, cn sustin growth rtes of over seven percent yer, speed tht doubles the size of n economy ech decde. Since the 1980s, these Est sin economies hve been growing three times fster thn the OECD economies, twice s fst s the rest of Est si, three times s fst s Ltin meric nd South si, nd five t imes s fst s sub-Shrn fric. Their export performnce hs been prticulrly impressive, with their shre of world exports of mnufctures shooting up from nine percent in 1965 to 21% in 1990. Those re the indictors behind the phenomenon tht hs vriously been clled "Pcific Shift," the "rise of si," the "Pcific Century," or, s the title of recently published World Bnk study puts it, "The Est sin Mircle." One of the Est sin Mircle hs tken plce under the egis of the Px mericn, which ppered fter WWII. TPx mericn constitutes n economic system of wht my be clled "hegemn-led mcro-clustering". The ltter implies phenomenon in which hegemon economy propgtes growth stimuli to its closely ligned cohort of countries by mens of dissimiltion of technology, knowledge, skills, mrket informtion etc. The rise of the Paz Americana originated from "Yankee ingenuity" in the innovation of interchangeable parts and assembly-line operations, which eventually culminated in the techniques of mass production - and the pattern of mass consumption. Under Px mericn many South Eastern countries received a benefit as their economies significantly improved and were enhanced. Particularly, Japanese automobile industry replaced "just-in-time" parts delivery by "just-in-case" inventory, which relied heavily on a cooperative group of suppliers of parts, components, and accessories. Furthermore, Japanese process fragmentation has become all the more fine-tuned to make use of labour costs and technological capabilities of suppliers at divergent levels of country's industrial hierarchy.In the wake of Japan's rapid catch-up with its current account surplus rising, the Japanese yen became grossly undervalued and soared in market value. As for East Asian countries they benefited a lot from the catch-up economics as well. According to the World Bank (1993), Asian Economies got the fundamentals right by way of: 1) carefully limited and "market-friendly" government activism; 2) strong export orientation; 3) high levels of domestic savings; 4) accumulation of human and physical

A Good Muslim In 21st Century

A Good Muslim In 21st Century In this report I am going to tell about the life of a good Muslim in 21st century. Basically in this report I discuss that what are the current issues through which Muslims suffer and what should they do according to Quran and Sunnah to over come from all of these issues and how they can be a good Muslims how can they spend life as a good Muslim in 21st century we discuss all it here in the lights of Hadees and Sunnah Muslim should follow Islamic point of view to better understand their lives and follow the proper path according to the shariyat because this is only way through which we can please ALLAH and take reward from. Islam is the only one who gives us understanding about good and bad deeds and through following the Quran this understanding developed in us and we are able to become good Muslims in this modern time of 21st century. Shedding Complexes and Avoiding Violence Only some may know the reality about Muslims and Islam, but the image of Muslims every where is not good. Islam and Muslims has been projected as a threat to peace. Some perceive it as a threat to their personal security. we Muslims have these perceptions about ourselves as we are not as we ought to be, i.e., as Muslims are described in Quran and Sunnah each of these perceptions has some connection with truth, but its not true as it stands. Developing an excellent ummah in 21st century In our journey to develop an excellent ummah that can be exemplary to all the people of the world we need to look inward of the major challenges within the Muslim societies today. Violence within the Muslim societies and countries around the world We should acknowledge that there are many problems in the ummah which must have to be resolved. It ranges suicide bombing through terrorist attack on innocent Muslims and non-Muslims around the world. The problem of violence with in the ummah must be resolved by Muslims we must work together in a concerted effort to create a peaceful society in the context of 21st century global world. Sectarian conflict within Muslim societies It is very bad that the whole world is watching that how Muslims killed the other Muslims. The sectarian violence involving Sunni Shiah conflict must be resolved Muslim leaders throughout the world must begin to preach on the universal message of Islam. It should never reach the level of violence and killing which we are seeing today Low educational level of Muslims worldwide today Muslims worldwide are facing the challenges of being uneducated and ignorant ummah we see many Muslims that have very low education achievement because Muslim parents are not sending their children to school due to poverty and lack of realization of the importance of education If this trend continues we will see the majority of Muslims will be on the lowest in the society Mohammad a 21st century prophet: The teachings of Muhammad (SAWW) changed the life of Arab but that was not just for the nation before 21st century but also for us to follow the Islam and Sunnah and the teachings of Islam even prophet Muhammad (SAWW) character changed the person Umar Ibn Al- Khattab who preaches the idol made of dates he become the leader of whole Muslim due to teachings of Muhammad (SAWW) We the Muslims believe that the teachings of the Muhammad are not just for the one time but we can take benefit from these teachings even though we are living in 21st century we can represent a good nation through follow the teachings of Islam 21ST Century Muslim leadership Muslims in the 21st century facing lots of challenges not only here but also in West we always rely on our past scholars but now we have many different challenges which we have to face and try to find out another ways to overcome this we have a great problem of knowledge and terminology. The translation is not only just translation of words but we should see the realities in it which comes from the religious reference. The way we translate the concept of Islam is wrong and the notion, terminology is also wrong I really think that if there is challenge for us in 21st century here and everywhere is to be able ( and its not something that just come from the scholar it can be come from every single Muslim it is Some thing which is very essential in our religion that our religion is just not the religion of elites it is the religion of every single mind single heart to come back to understand our terminology and the priorities of our religion Islam Great problems of Muslims of 21st century The problem is the psychological crisis based on the lack of knowledge and lack of deep understanding of Islam because the whole process of this religion is all about liberation of all kind of alienation the first enemy is your own ego the second is perception through which we see world from our own viewpoint that is lack of humanity. Prophet Muhammad (SAWW) saying is: Ifshus Salam baynakum: spread peace among yourselves, between yourselves, with the people everywhere. Because the highest objective of Islam is peace among all Muslims. Muslims should get rid of Haram The Muslims of 21st even in every century are smart enough to understand that what the concept of Haram in Islam there is many things which we should avoid for example: Turning away from remembering god Using gold or silver utensils Black magic Swindling fraud Altering a dead person will Murdering or wounding another or severing one of his limbs Drink alcoholic beverages Stealing Spreading corruption and evil ways Taking Riba so onà ¢Ã¢â€š ¬Ã‚ ¦ These all things are Haram in Islam and the Muslims if they want to represent themselves as a good in front of world or especially in front of ALLAH one should leave these types of acts because of these acts Muslims can be out from the boundaries of Islam which will be very big punishment from Allah Follow Halal Halal is the thing or an action which permissible to use or engage according to Islamic law If we want to be a good Muslim we should always try to eat and do Halal things Muslims should earn from the Halal way according to shariyat not in means of cheating and fraud because for Halal in Quran there are strict laws. The Prophet Muhammad, Sall-Allahu alayhi WA sallam, said: Seeking Halal earning is a duty after the duty. In other words working to earn a Halal living is itself a religious obligation second in importance after the primary religious obligations like prayers, fasting and hajj. O ye who believe! Eat of the good things wherewith we have provided you, and render thanks to Allah if it is (indeed) He whom ye worship (2:172) ALLAH likes Halal things and ordered Muslim to eats Halal and does all Halal things. As I show in above heading that Allah doesnt like Haram acts. In 21st century there are lots of Haram things which from Muslims addicted so if we want to b a good Muslim in 21st century we prove our selves as a good Muslim to avoid these things in the modern world. In Surah 5:5 of the Quran, it is written: The food of the People of the Book [Jews and Christians] is lawful for you as your food is lawful for them. Abu Hurayrah narrated that the Prophet (Saw) said: O People! Allah is al-Tayyib (Pure), and He only accepts that which is pure! Allah has commanded the believers what He has commanded the Messengers, for He said, O Messengers! Eat from the pure foods, and do right, and He said, O you who believe! Eat from the pure and good foods We have given you.' Being a good Muslim The typical Muslim will be always honest in abiding the laws principles of Islam. to praying five times prayers which is the basis that we know that there is only one GOD who is Allah and Muhammad(SAWW) is the last prophet of Allah A good Muslim not only follows the Islam by him self but also teach about it and force to follow by his fellow beings and understand that it is necessary to fasting 30 days in the month of ramzan. A good Muslim always lowers his gaze while talking to others especially to the women and keeps distance with stranger women other than his wife daughter mother sister. A good Muslim follows brotherhood and feels the emotions of other Muslims. Quran tells us that a good Muslim should perform HAJJ at least once in his whole life. But now the Muslims are busy in many bad activities and now the Muslims of 21st century are far away from the teachings of Islam shariyat and Sunnah they just live their present life by forgot they this life is not long-lasting it will be end soon they should understand the life after death which is long-lasting and which is thousand times better than this present life. The charm the luxuries and the entertainment of this of this world make Muslims blind they dont understand that they are doing wrong things. Allahs Messenger (SAWW) said: If any one of you improves (follows strictly) his Islamic religion then his good deeds will be rewarded ten times to seven hundred times for each good deed and a bad deed will be recorded as it is. [Sahih Bukhari Book #02, Hadith #40] Muslim youth in 21st century As the 21st century come to an end we have to look through that what we have done and what we loose in responding to Quranic challenges to create a good society because is also seeking the one who is the ideal of entire humanity because our prophets also wants to see that what are the results of their hard work in terms of spreading Islam and too full fill the Allahs desire this is such an tough task and in this regard Quran reminded us continuous that A man receives but only that for which he strives; that his endeavors will be judged, and only then will he receive his recompense in full. (53:39-41) Due to which Muslims has to strive to earn their final reward in full. How to maintain momentum in strive to remain a true Muslim. Muslim youth who is the main target of modernization that was taking place an uncontrollable pace In the Muslim world. Two decades 1960 1970 independence of the two nations Asia and Africa created the new national identities The period was ripe for considering the role of the past heritage, religious, moral and cultural, in the new age of rationalism and secularism. and the nation developed in modernization without give importance to Islam this is the act of non Muslims they developed church instead of developing mosque and madarsa to spread Islamic teaching which is unfair to the Muslims due to which Muslims also struggle to spread Islam through our leaders Through marriage and parenthood Islam seeks to impart moral education. even the young girls also face greater challenge in maintain their moral tact when they out in society there are very little understanding the ways in which Muslim girls existence because any girl do hijaab people consider her as old fashion but that girl shows Islam towards us and she lives according to Islam. Our leaders should arrange programs for the youth to understand them the meaning of Islam and make recommendations to implement to create the awareness of Islam among youth to be a good Muslim. May Allah guide us of all the path of prosperity submission to the will of God CONCLUSION In this report I discusses about the life as a good Muslim 21st century and through the research I recognized that in the modern world of 21st century the Muslims have to do hard struggle to be a good Muslim In front of Allah and to please Allah through follow Islam Quran Sunnah and in the lights of Hadith and should get rid of bad things as soon as possible and spread Islam to create awareness of Islam not to worry about the people because once you reach that destiny Allah will your hands and give you reward in the term of JANNAT.

Kurds - A People Without a State Essay -- Culture Kurds History Essays

Kurds - A People Without a State Introduction Of all the ethnic groups in the world, the Kurds are one of the largest that has no state to call their own. According to historian William Westermann, "The Kurds can present a better claim to race purity...than any people which now inhabits Europe." (Bonner, p. 63, 1992) Over the past hundred years, the desire for an independent Kurdish state has created conflicts mainly with the Turkish and Iraqi populations in the areas where most of the Kurds live. This conflict has important geographical implications as well. The history of the Kurdish nation, the causes for these conflicts, and an analysis of the situation will be discussed in this paper. History of the Kurds The Kurds are a Sunni Muslim people living primarily in Turkey, Iraq, and Iran. The 25 million Kurds have a distinct culture that is not at all like their Turkish, Persian, and Arabic neighbors (Hitchens, p. 36, 1992). It is this cultural difference between the groups that automatically creates the potential for conflict. Of the 25 million Kurds, approximately 10 million live in Turkey, four million in Iraq, five million in Iran, and a million in Syria, with the rest scattered throughout the rest of the world (Bonner, p. 46, 1992). The Kurds also have had a long history of conflict with these other ethnic groups in the Middle East, which we will now look at. The history of Kurds in the area actually began during ancient times. However, the desire for a Kurdish homeland did not begin until the early 1900’s, around the time of World War I. In his Fourteen Points, President Woodrow Wilson promised the Kurds a sovereign state (Hitchens, p. 54, 1992). The formation of a Kurdish state was supposed to have been accomplished through the Treaty of Sevres in 1920 which said that the Kurds could have an independent state if they wanted one (Bonner, p. 46, 1992). With the formation of Turkey in 1923, Kemal Ataturk, the new Turkish President, threw out the treaty and denied the Kurds their own state. This was the beginning of the Turkish-Kurdish conflict. At about this same time, the Kurds attempted to establish a semi-independent state, and actually succeeded in forming the Kingdom of Kurdistan, which lasted from 1922-1924; later, in 1946, some of the Kurds established the Mahabad Republic... ... seem very willing to give up their territory to the Kurds. The plan of the PUK has a small chance to work, assuming that guerrilla tactics would scare the Iraqi government. By simply holding out, the Kurds would gain nothing, because the Iraqis are not threatened by the Kurds per se. However, by attacking the Iraqis, the Kurds run the risk of a counterattack which they probably could not effectively deal with. Basically, that would make the situation for the Kurds even worse than before. Conclusion Without the support of a large powerful nation such as the U.S., the Kurds will probably never establish an independent Kurdish state. The Kurds do not have enough military power to fight off the Turks and Iraqis without help. The Iraqis and Turks would not be willing to give up their economically important territory to people which they perceive a "threat" to their way of life and will most likely continue to fight the Kurds. The Kurds have no choice but to continue fighting until either they or the Turks and Iraqis are defeated, as both groups are unwilling to allow them to remain in their countries. The future definitely looks bleak for the Kurds.

Effectiveness of Brand Extension in Personal Care Product: A Case Study on Dove of Unilever

Brand is perceived to be in important intangible asset for company which gives company a cutting edge in product market through positioning in consumer mind. To leverage on success of brand, companies go for brand extension which is offering different new product in the same brand name.Such brand strategy is intended to be pursued to save cost of launching new brand, to minimize risk of brand failure and to leverage on success of existing brand. Organization who are in personal care product business often go for such brand extension treating brand as their assists where they try to leverage on their brand equity by launching new products under already established brand names (Vanitha et al, 2001). There are many factors that define the effectiveness and success of brand extension in personal care products.Perceived Quality of Parent Brand, the relative importance of fit of brand with consumer characteristics and mission of brand are important variable which determine brand success (P ark, et al, 1991). Beyond those factors, in case of personal care brand extension, media planning, brand development and brand management and public relation to communicate the brand are considered to be influential in evaluating the success of brand extension.This research work is perused to evaluate the effectiveness of brand extension strategy in personal care products in general and brand extension strategy of Dove brand of Unilever. The report will elaborate whether brand extension strategy of Dove was successful one considering the variable mentioned above.The report is prepared based on customers’ responses collected through survey and observations of branding expert to assess such effectiveness. The turnover from products launched under brand extension strategy will be dependent variable that will be evaluated against Brand Campaign, Media Planning, Brand Development and Brand Management, and Public Relation Strategy of brand. The study will be based on Dove brand of Unilever which will outline how company changes branding strategy with evolution of Dove brand.1.1 Background of the OrganizationUnilever’s journey as business organization started at 1872 as margarine business. In 1890, the company was named as Lever Brothers Limited. In 1930 Margarine Unie (Netherland) and Lever Brothers Limited (UK) merged and renamed as Unilever Limited. Serving 2 billion customers worldwide, the company is achieving annual turnover of â‚ ¬51 billion in 2012 (Unilever, 2013). The company sells its products across 190 countries where emerging market now counts for 55% of the business. The company have portfolio of 14 cash cow brand that are generating â‚ ¬ 1 billion sales worldwide. The company employs around 173,000 people around the globe (Unilever PLC. 2013a).The portfolio of categories shows that around 35% of revenue comes from Suvoury, Dressing and spread, followed by Personal Care which is about 28%, Home Care which is 18% and food and beverag e segment covers 19%. Unilever has a portfolio of 400 brands among which some are world largest in terms of generating ideas. With an asset base of â‚ ¬46.16 billion, the company has operating profit of about â‚ ¬7 billion (Unilever PLC. 2013b).Dove is a billion brand of Unilever which is generating annual revenue of â‚ ¬2.5 billion a year in 80 countries. Dove Brand was launched in 1957 as alternative to soap to care of dry skin. Since 1980 many product is launched under Dove brand ranging from body-wash, deodorants, body lotions, facial cleansers, to shampoos and conditioners through brand extension (Unilever PLC, 2013). Unilever terms Dove as a brand with a purpose.1.2 Rational of the StudyBrand is perceived to be very important factor to position product in consumers’ mind. A brand image has become a salient resource and critical success factors of competition which gives firm competitive advantage in product market. To leverage on such competitive edge firms at times takes strategy of brand extension to leverage the success of existing brand to optimize and rationalized investment in brand. But such brand extension produced mixed result in terms of effectiveness or return on brand extension due to brand fit with product launched, functionality of brand and consumer attitude to accept new product (Kim and Deborah, 2008).To change consumer perception on the ground of functional benefit of brand, organization has to  reshuffle its branding communication to reposition brand in consumer mind which communicate a broader view of brand rather than functional benefits. The effectiveness of such brand extension depends on how firm develop brand, build brand and plan media to communicate the brand and maintain public relation to engage stakeholders (Bottomley and Stephen, 2001). Innovation of Branding campaign is another important parameter in this regard. The study will evaluate the brand extension strategy of Dove through examining through differ ent factors mentioned just above to justify brand extension strategy in Personal care product category.1.3 Business Research QuestionsThe following research question will be designed to conduct the study. what is the brand extension strategy of FMCG company in personal care products What are the factors that affect brand extension strategy of an established brand in case of personal care products How brand campaign, media planning, customer attitude, brand development and management, public relation reshuffle brand extension strategy in case of Dove brand of Unilever What is the statistical observations of effect of components of brand extension in positioning product in consumer brand1.4 Research objectiveEvery research is conducted with fulfillment of some objectives in mind. Those objectives persuade the researcher to pursue research in this field of study to enrich the researcher intellectual observation. The following are the research objective of the study which motivates the researcher to pursue this research. To review brand extension strategy in personal care productTo trace out the reasons that plays key role in developing brand extensions strategy in personal care products To explore the critically success factors that determines the effectiveness of brand extension strategy in personal care products To extract out how brand campaign, media planning, customer attitude, brand development and management, public relation played role in affecting success of brand extension of Dove brand of Unilever To evaluate the outcome of the study through statistical test to validate the findings of the study on rand extension strategy of Dove To suggest appropriate and specific recommendations and to provide conclusion along with mentioning the scope of future scope of study.2.0 Literature ReviewLiterature review is very important part of any credible research and it provides the research an opportunity to review similar and related previous research to take knowle dgeable insight to design his or her study. The second chapter of the research will cover the literature review related to title of the research. The following sections will be covered by this chapter.2.1 BrandBrand can be defined as name, tern, sign, symbol or design, or a combination of them intended to identify the goods and services of one seller or group of sellers and to differentiate them from those of other sellers (AMA, 2011).2.2 Brand Extension and Types of Brand ExtensionBrand extension is strategy of launching and selling new product under an established brand name of other existing products to persuade customer’s perception with success of existing products (Monga and Deborah, 2007). Extension can be described as strategy to sell new products without establishing a new brand of the company (Chen and Liu, 2004).There are two types of brand extension mostly used in branding strategy. The following graph is elucidating such types of brand extension.2.3 The Reasons o f Brand ExtensionThere are logics why organization goes with brand extension instead of launching new brand for every new product. The most influential arguments are reducing risk and cost of launching new products, increasing sales and profit of the company and being able to ask a premium price (Alokparna and Zeynep, 2012). The other reason includes increase brand awareness and perceived brand value of the company (Smith and Park, 1992).2.4 Brand Extension in Personal Care productsBrand extension in personal care product is more prevalent than other types  of product due to homogeneity in product nature and communication of common perception to the consumers. From Unilever to P&G everyone does follow brand extension strategy more or less in their personal product portfolio (Xie, 2008).2.5 Factors that Determines the success of Brand Extension strategyVarious factors brand extension strategy of personal care products. The given case outlined the following factors that were conside red influential in affecting brand extension strategy to Dove from soap to other personal care products2.5.1 Branding CampaignBranding campaign is very important parameter to change customer perception from a narrower point of view to broader point of view. Earlier Dove is considered a cleansing cream or moisturizing cream (Tom et al, 2012). Whenever Unilever intended to communicate Dove as Masterbrand, it reshuffles its campaigning strategy to communicate Dove brand campaign as â€Å"Campaign for Real Beauty† (Deighton, 2008). The case produced the following discussion.2.5.2 Branding to Change Customer AttitudeSuccessful brand extension strategy change customer attitude to the favor of new product launched under established product category. In Dove case, the branding campaign redefines the notion of beauty to the women of the world by saying that every woman possesses real beauty, which is merely not defined by size, skin or age.The brand defines beauty as function of self- esteem, feeling superiority about oneself. Such bold step to change women attitude toward beauty invites discussion and debate, which ultimately gave the familiarity of new product under Dove brand (Deighton, 2008a). The following comments are from Marketing Director of Dove.2.5.3 Media PlanningMedia planning is very important to communicate brand extension to new launched products. The effectiveness of media planning largely defines how effectively and efficiently message can be communicated to the target customers (Jack and Roger, 2002).Uniqueness and cost consideration are most influential ingredients in media planning where company favors to choose unusual media to attract easily customers’ attention and least cost media to save marketing cost of the organization (Clarke, 1997). Dove posted a filming featuring dove in YouTube for which Unilever did not spend a penny literally.2.5.4 Brand Development and Brand ManagementBrand development is successful predictor of brand fu ture. If an innovative and compelling brand is developed, it is mostly assured that brand will emerge as successful. Whenever a brand is successfully positioned in one product category, it is very easy to extend it to new product (Kumar, 2005). Successful brand development requires innovative brand development team, alignment of branding communication with characteristic of products so that they best fits each other (Monga and Deborah, 2007). In case of Dove Brand, extension brand development was separated from brand management in specific market.2.5.5 Public Relation and Brand ExtensionPublic relation or PR is emerging as very effective tool in communicating messages of new brand or brand extension to customers. The recent observation is that impact of advertisement is falling and that of PR is rising. PR is more effective when it comes to matter of communicating credibility of brand, saving of cost and clutter (Và ¶lckner and Henrik, 2006).Moreover, Brand friendliness with PR can formulate a compelling communication strategy of brand extension with low cost (Tom et al, 2012a). Public relation of Dove was compelling covering both positive and criticism comments from leading press and marketing commentators which gave the firm great publicity (Deighton, 2008). New York Times mentioned about PR success of Dove as below3.0 Research MethodologyResearch methodology will be third chapter of the research, which is mainly a roadmap of the research to the outcome, which will be employed with different type of methodology to extract out the insight from the incumbent research (Hunter and Leahey, 2008). The research methodology section will employ the following techniques.3.1 Design of ResearchThe most important element in research methodology is research design which will be cornerstone for further research steps to extract out relevant information from collected data. The research design consist of planning of  research, dissecting and collecting raw data and obser vations from the key stakeholders to build a harmonious research that will fulfill social objectives (Brymanand and Bell, 2003). The research design is launched with research philosophy.3.2 Philosophy of ResearchThe research philosophy is very important ingredient of research design where philosophy concentrates on reasoning of rationality and scientific approaches, law of generalization to develop and establish knowledge. This research is based on positivism philosophy where transparency of research will be ensured through usage of true sense to make reproduction of information (Hussey and Hussey, 2007).This philosophy of research mainly employs scientific tools and techniques to reason knowledge of imagination extracted from observed behavior (Saunders et al, 2009). The research philosophy that stands against this research philosophy is anti-positivism philosophy which prefers people judgment on research issues. Positivism philosophy uses statistical tools which is not used by ant i-positivism philosophy (Remeniyi et al, 2008).3.2.1 Justification of Positivism PhilosophyThe justification for selecting positivism philosophy is that in this philosophy research is carried out on through objective manner to explore the cause effect relationship between exogenous and indigenous variables (Irving, 2006).3.3 Research ApproachThere are mainly two broad type of research is used by the researcher for conducting research. These approaches are induction and deduction approach. This research will be based on deduction approach, which is a top down research approach concentrating to relate research outcome with reasoning rather than a subjective general statement. This approach is very much relevant to bring a concrete conclusion. Deductive approach depends on earlier conceptual and theoretical structure, which is supported by quantitative data (Steinar, 2007).3.3.1 Justification of Deduction ApproachThe strongest argument of using deduction approach is that this approach is based on scientific principles, which leads to highly structured and organized ground for the development of research hypothesis. This approach is also relevant for collection of research data to elucidate the relation and dependency among the variables to prove the hypothesis (Kumar, 2008).3.4 Methods of ResearchQuantitative and qualitative two research methods will be used in this research through application of different qualitative and quantitative research technique.3.4.1 Quantitative MethodsThis method will be used for collecting primary data collection. Different statistical parameters will be used under this method. The graphical presentation will be employed as instrument of quantitative method along with charts to display information more visibly (Churchill and Iacobucci, 2005).3.4.2 Qualitative ResearchIn case of subjective measurement qualitative technique will be employed. Brand extension and product categories have many dimensions that are qualitative in nature whic h need subjective evaluation. This method will be used mostly in case of data which are nonnumeric in nature and more concerned with behavioral aspect of the respondents.This research has applied a mixed approach of research by incorporating qualitative and quantitative variable. Quantitative one has been applied to find the Effectiveness of Brand extension in case of Personal care products. On the other hand, to measure impact of public relation, media planning and brand management qualitative approach will be used.3.5 Data SourcesData will be collected from mainly two types of sources, primary sources and secondary sources. For primary data, population will be female customers of Unilever in London. Beyond customers, brand manager of Dove at Unilever UK will be asked for an interview, which is also another source of primary data. Total 100 customers will be surveyed and three managers will be interviewed.The primary data will be concerned with collection of data through a question naire that will ask about demographic profile of customers and research topic related questions where respondent will be asked on predetermined questions (Agresti and Finlay, 2009). The questionnaire will provide some statements and give respondent to put score based on their  opinion. The secondary source of data will be relevant articles, books, website and annual report of Unilever. Appropriate referencing will be provided to authenticate the sources of secondary data.3.5.1 Sampling, Design and Size3.5.2.1 Target PopulationThe target population of the research is all the potential respondents relevant to research study within some specific parameters (Churchill and Iacobucci, 2005). For the purpose of this study, the population included female users of Dove brand of Unilever UK in London. The demography of the respondent is developed in such a way that customers from different age, ethnicity and income level is selected.3.5.2.2 SamplingSampling is a technique to filter responde nt from population to conduct the study as deal with whole population is literally impossible. the influential sampling method is probability sampling where equal chance of each candidate from population might be selected. There are other sampling technique that could be employed in this research study which are random sampling, systematic sampling, stratified random sampling etc (Foss, 2007). Having considered time and resource constraint, convenience sampling technique is best suited with this study3.5.2.3 Design of SampleDesign of sample refers to the process of selection of sample units. A self-administered survey will be conducted among the targeted sample and the in person with female users of Dove brand in London.3.5.2.4 Sample sizeA sample size of 100 is expected to be collected for this study. Beyond them 3 managers will be asked for interview. Enough time will be given to each participant to reduce the error. The questionnaire is designed in simple English to reduce risk o f ambiguity. RespondentsNumber Female users of Dove brand 100 Executives managing Dove Brand 3 Total 1033.6 Data Analysis Tools and TechniquesGraph, table and different diagram will be used to display data that will be collected through questionnaire. These will be done in primary data analysis. The core part of the questionnaire will be based on 5-point Likeart Scale. The questionnaire provided to female users of Dove will consist of close-ended questions and interview questionnaire provided to the managers of Unilever will be open-ended questions. To assess the responses C-alpha test will be employed. The following techniques will also be used in this study.3.6.1 Usage of Statistical Tools for AnalysisTo examine, filter and transform the collected data with research objective statistical tools will be used for reaching conclusion and approving decision making (Panneerselvam, 2004). Data will be analyzed through application of most up to date statistical tools used in business rese arch.Two distinct questionnaires were used in this research to analyze effectiveness of brand extension strategy of Dove brand. The following statistical tools have been used in this research. Graphical Technique: the graph will be produced in spreadsheet software of Microsoft Office Excel. In addition to generation of graphs, excel will be used in most quantitative analysis of the study.Pearson Correlation Matrix: Correlation matrix is in fact a technique to develop relation between dependent and independent variables. It mainly observed how variables are dependent of each other. Scaling Technique: Scaling technique will be used in this study in case of subjective evaluation of respondents. In this procedure, weight is assigned according to rank (Cooper and Schindler, 2008).Result will be presented as percentage through rank percentage analysis. Regression Analysis: Regression analysis is used in research arena mainly to calculate the dependency of dependent variable with independe nt variables. It incorporates different statistical test such as P value, t-test to assess the influence of the relation in terms of statistical consideration. The regression equation of this study will be as belowWhere, Y= Dependent variable (Dove Brand Turnover) ÃŽ ± = Constant ÃŽ ²1= Coefficients of brand campaign X1= Brand campaign ÃŽ ²2= Coefficients of customer perception toward brand X2= Customer perception toward brand Î’3= Coefficients of Brand Development and Management X3= Brand Development and Management Î’4= Coefficient of Media Planning X4= Media Planning Î’5= Coefficient of Public Relation X5= Public Relation e= Error term3.7 Ethical ConsiderationTo complete research with appropriate research guidelines research ethics is very important. Considering ethical aspect of research enough time is given to the respondent of the study so that they can depict their true view on research questions. Primary and secondary data will be used in this study. Consent from the respondents will be taken and appropriate permission will also be ensured for usage of their given data.Confidentiality of the responses will be maintained strictly to ensure privacy of their data. The disclosure of respondent identity will be based on their permission where if they are not willing to disclose identity, their identity will not be exhibited. Beyond that fact, usage of any secondary data from any source will be acknowledged with appropriate reference. Hence, the ethical aspect of research will be followed very strictly in this research.3.8 Possible Research OutcomeThe research is pursued to find out whether brand extension strategy of personal care product is effective through analyzing the case of Dove brand of Unilever. The incumbent researcher is very must interested to explore the association of brand extension through different factors in making success of newly launched products. The research will produce how brand campaign, customer perception towards brand, b rand development and management, and brand, media planning and public relation associates in making brand extension effective in case of Dove brand of Unilever.3.9 LimitationThe main limitation of the research is the period allocated for conducting the study. Another important limitation is the inability to remove the biasness of the responses due to subjective nature of the data. Another limitation is the dimension factors related in brand extension in addition to mentioned factors, which might produce incomplete conclusion.4.0 Time Scale of ResearchThe dissertation will be produced by maintaining the following time scale Task to be Executed Week 1 Week 2-4 Week 5-8 Week 9-11 Week 12 Questionnaire Development and Outline of the ThesisSurvey ConductData mining and FilteringIntroductionLiterature ReviewResearch MethodologyData AnalysisSubmitting First DraftSubmitting Second DraftProof Reading and Error CheckingFinal Submission5.0 ConclusionIt is observed that brand extension strategy in personal care products is more prevalent and effective than any other products. This research study is intended to explore the effectiveness of brand extension strategy of Dove brand of Unilever. The researcher believes that the study will produce valuable insight in such evaluation that will be useful for both the executives and academicians. It will also create opportunity for further research in this field of the study.

The Commonly Confused Verbs Shall and Will

The Commonly Confused Verbs Shall and Will The verbs shall and will both point to the future, but in contemporary  American English, shall is used only rarely. In  British English, shall and will are often used interchangeably with little or no difference of meaning. According to linguist R.L. Trask, traditional rules regarding  shall and will are little more than a fantastic invention. Internationally, will is now the standard choice for expressing future plans and expectations. However, in first-person questions shall is often used to express politeness  (Shall we dance?), and in legal statements, shall is used with a third-person subject for stating requirements (Rent shall be paid  when due,  in accordance with the terms hereof). Examples I signed the lease. Incredible. In the middle of all this fine print, there was the one simple sentence, There shall be no water beds.(John Updike, Gesturing. Playboy, 1980)   Stuttering, Bessie told him  what had happened to her. She showed him the handle of the key she had clutched in her hand all night.Mother of God! he called out.What shall I do? Bessie asked.I will open your door.But you dont have a passkey.(Isaac Bashevis Singer, The Key. The New Yorker, 1970)   [W]hen people come and see me they always say, Shall we meet in the local pub?(Simon Russell Beale, quoted by  Imogen Carter  and  Kathryn Bromwich, What Goes On in the Wings. The Observer [UK], November 20, 2016)   If you do not eat your potatoes, you will be upset, and I will be upset; your father, clearly, is already upset. If you do eat your potatoes, I shall be pleased, you will be pleased, your tummy will be pleased.(William Goldman, The Princess Bride. Harcourt, 1973)   I will go home, Bessie decided. People will not leave me in the streets.(Isaac Bashevis Singer, The Key.  The New Yorker, 1970)   Humans need to find a new  planet within 1,000 years to keep the species alive,  Stephen Hawking said in a talk this week. Hawking, the noted theoretical physicist, said that humans will likely expend the planet’s resources in that time.(Justin Worland, Stephen Hawking Gives Humans a Deadline for Finding a New Planet. Time,  November 17, 2016) Usage Notes [T]heres simply  no reason to hold on to shall. The word is peripheral in American English.(Bryan A, Garner,  Garners Modern English Usage, 4th ed. Oxford University Press, 2016) The Traditional Rules There is a traditional textbook ruling that runs as follows. For simple futurity, you use shall after I or we but will after everything else, while, to express determination or command, you use will after I or we but shall after everything else. By these rules, the required forms are We shall finish tonight (simple statement) versus We will finish tonight (expressing determination), but They will finish tonight (simple statement) versus They shall finish tonight (an order).As grammarians never tire of pointing out, these bizarre rules do not accurately describe the real usage of careful speakers at any time or in any place in the history of English, and they are little more than a fantastic invention. If you are one of the handful of speakers for whom these rules now seem completely natural, then by all means go ahead and follow them. But, if you are not, just forget about them, and use your natural forms.Do not try to use shall if the word does not feel entirely natural, and especia lly dont try to use it merely in the hope of sounding more elegant. Doing so will probably produce something that is acceptable to no one.(R.L. Trask, Say What You Mean! A Troubleshooters Guide to English Style and Usage, David R. Godine, 2005) The Hazy Distinction Between Intention and Futurity [T]he distinction between intention and futurity can be hazy, and grammarians of C17 and C18 devised an odd compromise whereby both shall and will could express one or the other, depending on the grammatical person involved. . . . Research by Fries (1925) into the language of English drama from C17 on showed that this division of labor was artificial even in its own time. These paradigms were however enshrined in textbooks of later centuries and still taught a few decades ago. Their neglect is one of the better consequences of abandoning the teaching of grammar in schools.(Pam Peters, The Cambridge Guide to English Usage, Cambridge University Press, 2004)​ British Uses of Shall and Will British people use I shall/I will and we shall/we will with no difference of meaning in most situations. However, shall is becoming very much less common than will. Shall is not normally used in American English. . . . Shall and will are not only used for giving information about the future. They are also common in offers, promises, orders and similar kinds of interpersonal language use. In these cases, will (or ll) generally expresses willingness, wishes or strong intentions (this is connected with an older use of will to mean wish or want). Shall expresses obligation (like a more direct form of should).(Michael Swan, Practical English Usage, Oxford University Press, 1995)​ Where Shall Survives In colloquial and indeed all spoken English . . . will is fast displacing shall in all cases in which shall was formerly used and in which we are recommended to use it. . . . It survives chiefly in first person questions, where it usefully distinguishes Shall I open the window? (as an offer or proposal) from Will I need a towel? ( will it be necessary). It is useful that the construction ll stands for both shall and will. (Eric Partridge, Usage and Abusage, edited by Janet Whitcut, W.W. Norton, 1995)​ AP Style Use shall to express determination: We shall overcome. You and he shall stay. Either shall or will may be used in first-person constructions that do not emphasize determination: We shall hold a meeting. We will hold a meeting.For second- and third-person constructions, use will unless determination is stressed: You will like it. She will not be pleased.(The Associated Press 2015  Stylebook and Briefing on Media Law, Basic Books, 2015) Practice (a) Lets go into the church, _____ we?(b) If you build it, he _____ come.(c) Martha _____ bring the salad. Answers to Practice Exercises: Shall and Will (a) Lets go into the church, shall we?(b) If you build it, he will come.(c) Martha  will bring the salad. Glossary of Usage: Index of Commonly Confused Words

The Best Small Colleges in the United States

The Best Small Colleges in the United States SAT / ACT Prep Online Guides and Tips If you’re interested in attending a small college, you may be wondering which schools offer the most rigorous academic experience combined with the best quality of life. In this article, I’ll give you a list of the best small colleges in the nation based on student reviews and academic ratings. What Is a Small College? For the purposes of this article, I’ll define â€Å"small† colleges as colleges with undergraduate student enrollments below 5,000.These colleges are characterized by small class sizes, close student communities, and professors who engage directly with students.Attending a small college is sort of like being a part of a big family that's brought together through shared experiences and pride in the school.You can expect to see familiar faces everywhere you go and will most likely have many opportunities to take on leadership positions and get involved in campus culture. What Do I Mean By the â€Å"Best† Small Colleges? To make a decision about which small colleges are the best in the nation, I used the information available in the 2015 Fiske Guide to Colleges as well as college rankings from Forbes and US News.I paid particular attention to overall ratings for academics, social scene, and quality of life.In the Fiske Guide to Colleges, all of these schoolswere rated at least 4.5/5 for academics. I considered the academic ratings the most strongly, but I also took the other ratings into account to choose the colleges with the best overall student experiences.I tried to pick colleges that were among the best in the country for academics but also had thriving social scenes and happy, engaged students. All of these schools have excellent programs for undergraduate teaching with small classes and hands-on professors who are dedicated to the success of their students.They also have highly intellectual students who are passionate about learning and making positive changes in the campus community and the world at large.These are schools you should attend if you want to be motivated and challenged by your professors and fellow students in a close-knit, constantly evolving community. Lists of the Best Small Colleges in the US First, I'll go through a list of the top ten best small colleges overall. Then I'll give you lists of the best small women's colleges and engineering colleges.I’ll provide statistics below each of the schools to get you started in finding out more about them.If you want to do further research on these schools, check out my article on the best websites for conducting your college search.I’d recommend using a college matching-making site called Cappex to start compiling a list of colleges and comparing data between different schools. The Top Ten Best Small Colleges 1. Williams College- Williamstown, MA Undergraduate Enrollment: 2,011Acceptance Rate: 17%Location: Small Town Students say: Most people are â€Å"athletic, well-rounded, driven, friendly, and liberal.† â€Å"Professors insist on having a personal connection with the students and always help if needed. The quality of teaching is excellent.† â€Å"Williams students are amazing. I know people who can readHarry Potterin Latin, translate rap songs into Arabic, and sight-read ‘Rocket Man’ perfectly on the piano.† 2. Pomona College- Claremont, CA Undergraduate Enrollment: 1,579Acceptance Rate: 13%Location: Suburban Students say: â€Å"Pomona professors are bright, enthusiastic, and highly respected leaders in their fields.† â€Å"Pomona offers a unique and desirable juxtaposition of rigorous academics and comfortable social atmosphere.† â€Å"I appreciate the diversity and depth that the five-college community brings to the social life.† Note: Pomona is one of the Claremont Colleges, a system of five colleges in Claremont, CA that also includes two other schools on these lists: Claremont-McKenna College and Harvey Mudd College. 3. Amherst College - Amherst, MA Undergraduate Enrollment: 1,817Acceptance Rate: 13%Location: Small Town Students say: â€Å"Amherst students are always doing extraordinary things: academically, athletically, artistically, and for the benefit of the world.† â€Å"If your education is really your first priority, then I don’t think there’s a better school.† Amherst is made up of â€Å"some of the kindest and most laid-back people I can imagine.† 4. Swarthmore College- Swarthmore, PA Undergraduate Enrollment: 1,532Admissions Rate: 14%Location: City Outskirts Students say: â€Å"Swat is a truly intellectual place where people love idea with all of their hearts, but that doesn’t prevent them from having an eye for activism and a knack for partying hard.† â€Å"You will often see students reminding each other of assignments, giving each other tips on how to succeed, and studying in the library together.† â€Å"Each of us in our own way has found a place where our passionate, geekiest interests are validated, appreciated, and celebrated by our fellow Swatties.† 5. Wellesley College- Wellesley, MA Undergraduate Enrollment: 2,352Acceptance Rate: 30%Location: Suburban Students say: â€Å"Students here are conscientious workers with a history of high achievement. They expect a lot of themselves.† â€Å"It’s a wonderful place to grow as individuals, as students, and as women.† â€Å"It’s hard to say which department is the best because I believe that each department has a lot to offer.† 6. Bowdoin College- Brunswick, ME Undergraduate Enrollment: 1,830Acceptance Rate: 16%Location: Suburban Students Say: â€Å"If you’re passionate about anything, Bowdoin provides you with the resources to explore those passions.† â€Å"Being able to make friends with my professors is something I’ll treasure forever.† 7. Claremont-McKenna College- Claremont, CA Undergraduate Enrollment: 1,250Acceptance Rate: 14%Location: Suburban Students say: â€Å"CMC provides students with a pragmatic liberal arts education that will prepare them for grad school and a career; it’s a great place to spend four years.† â€Å"There are very difficult courses that will push you to the brink of your comfort zone in every major.† â€Å"CMC’s campus is often the center of the social life for all of the Claremont Colleges - there are always parties, club events, barbecues, movie screenings, and other events.† 8. Haverford College- Haverford, PA Undergraduate Enrollment: 1,205Acceptance Rate: 23%Location: Suburban Students say: â€Å"Nearly all students who come here share common values of trust, concern, and respect for others as well as academic integrity.† â€Å"Haverford offers an opportunity to work hard, be trusted, and learn about issues, while still feeling comfortable.† â€Å"The professors are only here for us. They really enjoy teaching as well as involving us in research.† 9. Carleton College- Northfield, MN Undergraduate Enrollment: 2,035Acceptance Rate: 26%Location: Small Town Students say: â€Å"Our profs are incredible. The instruction we receive is available not just in the classroom but during office hours, phone calls, Skype sessions, and many other modes of communication.† â€Å"Students are ambitions, aware, and ready to ‘save the world’† â€Å"At Carleton, everyone is a bit nerdy and everyone is free to be whomever they want.† 10. Middlebury College- Middlebury, VT Undergraduate Enrollment: 2,516Acceptance Rate: 17%Location: Rural Students say: â€Å"We’re a small liberal arts college [that is] big on individuality and character.† â€Å"The quality of teaching is excellent, and I would say it is the absolute best part of Middlebury. All classes are taught by professors, most are relatively small, and discussions are generally encouraged.† Best Small Women’s Colleges 1. Wellesley College - Wellesley, MA (see #5 in top ten small colleges overall) 2. Smith College - Northampton, MA Undergraduate Enrollment: 2, 643Acceptance Rate: 42%Location: Suburban Students say: â€Å"Smith has an open curriculum, a great college town, and a very strong science program.† â€Å"My professors have all been accessible and supportive as well as open-minded and articulate.† It’s a â€Å"community of close, intelligent, interesting, and compassionate women.† 3. Barnard College - New York, NY Undergraduate Enrollment: 2,466Acceptance Rate: 23%Location: City Center Students say: â€Å"Barnard is a rigorous yet nurturing environment† â€Å"The quality of teaching here is unparalleled; one of my professors arguably founded the field I’m studying.† â€Å"Although the students here are really intelligent, they are also really down to earth, and are supported by each other and the academic community.† 4. Bryn Mawr College - Bryn Mawr, PA Undergraduate Enrollment: 1,305Acceptance Rate: 41%Location: City Outskirts Students Say: â€Å"Bryn Mawr is a place where you will figure out who you are and what you want to do with your life.† â€Å"Professors really want to get to know you and to expand your horizons.† â€Å"When you are surrounded by strong, talented, driven women who respect you, it inspires you to be like them.† Best Small Colleges for Engineering 1. California Institute of Technology - Pasadena, CA Undergraduate Enrollment: 997Acceptance Rate: 12%Location: Suburban Students say: â€Å"The atmosphere promotes a love of science, learning, and discovery that is truly exhilarating.† â€Å"The unique student body, how available professors are, and how much we learn make Caltech a special place.† However, social life is a little grim (don’t go here if you’re looking to party): â€Å"Ask any local bartender for a Caltech Cocktail and you will get three ounces of straight water.† 2. Harvey Mudd - Claremont, CA Undergraduate Enrollment: 782Acceptance Rate: 19%Location: Suburban Students say: â€Å"The professors truly care about the students’ well-being. They put in countless hours to help us get the most out of our experience.† â€Å"Every student at Mudd brings something different to the table.† â€Å"HMC is one of the most rigorous science schools around, but the thing that makes it special is that it develops you as an entire person.† 3. Rice University - Houston, TX Undergraduate Enrollment: 3,848Acceptance Rate: 17%Location: City Outskirts Students say: â€Å"Students here are very self-motivated. Classes are hard.† â€Å"Rice puts a lot of trust and responsibility on students. It’s a very maturing experience.† â€Å"We have been challenged to think creatively and apply principles.† 4. Olin College of Engineering - Needham, MA Undergraduate Enrollment: 342Acceptance Rate: 19%Location: Suburban Students say: â€Å"Olin professors are amazing. They take the time to get to know their students individually and never fail to provide academic or personal advice.† â€Å"Students who are passionate about things and excited about engineering would do well here.† Olin aims to produce students who can â€Å"come up with innovative ideas and products.† What's Next? Even if you've settled on attending a small college, you may still be unsure where you want to be in terms of location. Read this article for advice on deciding whether a college close to home is the right choice for you. If you're interested in very selective colleges, you should take a look at this guide on how to get into the Ivy League and other super competitive schools. Not sure where to begin in the college search process? Read my guide on how to choose the best college for you. Want to improve your SAT score by 160 points or your ACT score by 4 points?We've written a guide for each test about the top 5 strategies you must be using to have a shot at improving your score. Download it for free now: