President Of Government And Political Affairs - 1130 Words

Millersville University American Presidency Conrad Dobler GOVT 215: Dr. Lawrence Department of Government and Political Affairs May 3rd, 2017 What does president do that makes the public feel as if they are strong, or powerful, and what determines a president to be labeled as limited? That’s really up to one s views on politics, their morals, and opinions. In this paper I will go over three of what I consider to be the best, and strongest Presidents history has ever had. The presidents will be judged on how they handled themselves in office, as well as any important decisions or problems they may have faced during their terms, and the legacy they have left in history. Also, how life for them before they were elected†¦show more content†¦From there he didn’t waste any time and got right to work. Theodore did so much for the country, he was known by many nicknames, such as â€Å"The Trust Buster†, â€Å"Rough Rider†, and of course â€Å"Teddy† (Bio). All because the country was rather fond of him and everything he has done. He is considered to be the first real modern presid ent, Theodore expanded on the power of the President. Using executive orders more often than any other president prior (Whitehouse.gov). As well as Presidential proclamations in ways no other president ever had before him. For Roosevelt, the people of the country were his top priority. He created a domestic policy called The Square Deal. This deal helped to protect the people from big businesses and offered consumer protection to all, and in general, he truly cared about the middle class as a whole. Roosevelt also instituted the sherman antitrust act, to help break up huge monopolies from taking over whole markets and holding back the already slow economy. Later in 1904, Theodore was elected as President. He then got back to work on the Panama canal, to make trade, imports and exports easier to do. As well as a more efficient way of getting navy vessels from coast to coast, which was a great idea, since Roosevelt beefed up the navy budget and expanded its fleets. Roosev elt also added to the monroe doctrine. This allowed the states to intervene with any affairs of the south or central america. This isShow MoreRelatedEgypt Political System1059 Words   |  5 PagesEgypt Political System: Egypt has offered humanity the oldest political system ever. Along the River Nile’s bank, the first central, unified state in the world was formed. Egypt had the precedence in creating the life of a whole nation through the formation of organizational frameworks that had an important role in maintaining the values of democracy and freedom. Egypt’s permanent constitution (issued in September 1971and later amended on May 22 1980) regulates the State’s political system and determinesRead MoreThe American Political System Is Defined As A Constitutional Democracy1228 Words   |  5 PagesThe American political system is defined as a constitutional democracy. Under the Constitution, the federal government has three branches. The legislative power is vested in the Congress and made up of two houses: the Senate and the House of Representatives. The Congress makes laws, controls finances of the country. The President is a head of executive branch, who offers bills to the Congress, enforces federal laws, controls foreign policy, serves as Commander-in-Chief of the Armed Forces and withRead MoreGeorge Washington and Thomas Jefferson Contribution to Stable Government724 Words   |  3 PagesRevolutionary Contributions to Stable Government George Washington and Thomas Jefferson were two important presidents who had an enormous affect on our nation’s stable government and beginning years of our country. Each made their unique contributions to a new government under the Constitution after the failed adoption of the Articles of Confederation. After the war for independence, the Articles of Confederation, began to fail because there was no direct effective way to to collect revenue,Read MoreEssay on Sierra Leone the Struggles of Building a Nation1084 Words   |  5 Pagescoups to Presidential elections! Senior Enlisted leaders, it is important to know that the freedoms we all prefer comes with a cost of sacrifice, bloodshed, and for some, nation before self for democracy. This essay will discuss the background, government, strategic importance, and future direction of Sierra Leone. Background Sierra Leone is located on the West Coast of Africa, its history dates back to 1462 when a Portuguese explorer named Pedro da Cintra detailed his adventures along the coastRead MoreThe Petticoat Affair: Manners, Mutiny, And Sex In Andrew Jacksons White House1237 Words   |  5 PagesHistory 217: U.S. History to 1865 The Petticoat Affair: Manners, Mutiny, and Sex in Andrew Jacksons White House. By John F. Marszalek. (Baton Rouge: Louisiana State University Press, 1997. viii, 296 pp.) John F. Marszalek, author of The Petticoat Affair argues in his book that the Margaret Eaton affair, which plagued the first Jackson administration, was a social situation that had political ramifications. The thesis is that the Jacksonian Presidency brought a change to the office. BringingRead MoreThe Doctrine Of The United States Essay1598 Words   |  7 Pagessettled a boundary dispute along the Sabine River, and firmly established the boundary of the US territory and claims through the Rocky Mountains and west to the Pacific Ocean in exchange for the US paying residents claims against the Spanish government up to a total of $5 million and relinquishing its own claims on parts of Texas west of the Sabine River and other Spanish areas under the terms of the Louisiana Purchase. 1824 Election John Quincy Adams vs. Andrew Jackson (and William H. CrawfordRead MoreThe Black Of The Tuskegee Institute852 Words   |  4 Pageseducators began to increase their involvement in political culture in Haiti through advocacy and education. American educators R.R. Moton and W.T.B Williams of the Tuskegee Institute sought more black involvement in U.S.-Haitian relations. Moton served as Booker T. Washington’s successor at the Tuskegee Institute. He felt a duty to continue Washington’s vision of industrial education for blacks and sought to extend the Tuskegee model into Haiti. He urged President Harding to include blacks on his â€Å"investigationRead MoreThe Petticoat Affair: Manners, Mutiny, and Sex in Andrew Jacksons White House1185 Words   |  5 PagesHistory to 1865 Dr. Fuller November 30, 2003 Cynthia Mihay The Petticoat Affair: Manners, Mutiny, and Sex in Andrew Jacksons White House. By John F. Marszalek. (Baton Rouge: Louisiana State University Press, 1997. viii, 296 pp.) John F. Marszalek, author of The Petticoat Affair argues in his book that the Margaret Eaton affair, which plagued the first Jackson administration, was a social situation that had political ramifications. The thesis is that the Jacksonian Presidency brought a changeRead MoreEssay on Alexander Hamilton and Thomas Jefferson1029 Words   |  5 Pagesmany decisions to be made. In the end of the eighteenth century the Founding Fathers of the newly established America dealt with the difficulties of creating a country with strong political, social, and economic power. With the writing of the Articles of Confederation the country had now developed a national government, but was weak and ineffective. The top leaders of the country knew the flaws of the Articles and gathered together to rewrite the draft. When these decisions makers met in PhiladelphiaRead MoreThe Vietnam War On American Society932 Words   |  4 Pagessociety and how they heightened social, political and economic tensio ns by drafting Americans, creating and repealing the Gulf of Tonkins, uncontrollable war spending, and the protests towards Nixon and his lying. The social relationships in America were already tense due to the inequalities handed out to a large portion of American inhabitants but the relationships worsened during the Vietnam War. Drafting was a very large reason for the strained national affairs. Black men were drafted and sent to

Obesity Media And The Media - 2335 Words

Obesity in Entertainment Media Adam Gasper COM 325 Mass Communication and Society Professor Fisher September 2nd 2016 Obesity in Entertainment Media It’s estimated that nearly 1/3 of people suffer from obesity in North America. Rather than being a part of the solution, the media has a portrayal of what one should and should not look like, what is beautiful and what is not, typically possessing unrealistic standards and showing those that are overweight, as weak-willed individuals, who generally are blue collared individuals. This paper shall discuss obese individuals and how they are portrayed on television or on online streaming programming. Secondly, this paper shall discuss why this group has such a negative portrayal. Third, this paper will discuss what social pressures and production forces shape these portrayals. Finally, this paper will incorporate a media theory and explain what effects it has on the audiences and how obese individuals are typically treated in society. Obese Portrayed in Media Entertainment. The portrayal of obese individuals in entertainment media varies. CBS once had a popular hit sitcom called, Mike Molly. The show shares a story of two blue collar individuals, who are two real people, who have every day issues, who are just simply trying to improve their lives, essentially a story that many others can relate to. Mike is an overweight police officer and Molly is an elementary school teacher who lives with her mother and raunchy youngerShow MoreRelatedEffects Of Obesity And The Media1396 Words   |  6 Pagesincreasing in body weight has changed. Obesity can be contributed to many different factors. With this new world of technology and social media there is still the prominent issue of obesity, although technology and the media is not all to blame. This arising issue can have derived by many different aspects, such as a person’s socioeconomic status, ethnicity, culture, and not getting the right amount of physical activity. These aspects definitively lead to obesity and ultimately the negative feedbackRead MoreMass Media and Obesity1926 Words   |  8 PagesMass Media and Obesity The media in today’s society has shown its advantages and disadvantages in order to attract a certain group of consumers. People are exposed to advertisements every day and everywhere. Ads and campaigns are seen by simply walking down the street; posted on walls, boards, and store windows. Even while driving, advertisements are on billboards in areas where there is heavy traffic. The most popular way companies are selling their products is by doing TV commercials. Most householdsRead MoreObesity And The Mass Media Essay935 Words   |  4 Pagescan resolve a problem, an issue or unknown? I am particularly interested in the contributors to eating disorder, for instance, the relationship between eating disorders to bullying, the media, social environments, and so forth. D. What is your topic about? The research topic is about bulimia and the mass media. The topic will relate to the mental health of female adolescents. There is no set geographic location nor would timeframe for the literature review as I felt it be too constraining. E.Read MoreMedia Influences on Childhood Obesity 1272 Words   |  6 Pagescreating an environment where playing Candy Crush is more popular than playing a sport. Thirty-two percent of children ages 2-19 are overweight and seventeen percent is considered to be obese (Hingle, Dale). The media influence on the youth shows a positive correlation to childhood obesity. Times have changed and due to this new technological era that we live in, children are spoiled with various types as well as numerous electronic devices. Although these advances are rewarding, they are detrimentalRead MoreMedia Coverage Of Childhood Obesity941 Words   |  4 Pages Media coverage contributes to how childhood obesity is framed and stigmatized in Canadian society. The media contributes to changes in popular culture, which can affect how the dilemma of childhood obesity is viewed and addressed. Several forms of media, including campaigns, social media, and the news help to construct popular opinions when looking at the issue. The views provided by different media platforms and organizations help to frame the problem of childhood obesity, and address the problemsRead MoreMedia s Influence On Obesity2115 Words   |  9 Pagesthat using Facebook may contribute to obesity. Of the 470 participants surveyed, those who were avid Facebook users reported to have higher body m ass indexes than those who were not frequent Facebook users. It is evident that widespread use of media has been a factor in aiding the obesity epidemic in the United States. The CDC states that obesity is prevalent in 35% of adult Americans. The impact of media, such as social media, television, and magazines, on obesity has largely contributed to this statisticRead MoreThe Role of the Media in Childhood Obesity Essay694 Words   |  3 PagesThe Role of the Media in Childhood Obesity Since 1980 the proportion of overweight children ages 6-11 has tripled. Today about 10% of 2 to 5 year-olds and 15% of 6 to 19 year-olds are overweight. During the same period in which childhood obesity increased, there was also an increase in media targeted to children. Even children ages 6 and under spend as much time with screen media as they do playing outside. Much of the media targeted to children promote foods such asRead MoreObesity: A Media Created Epidemic Essays698 Words   |  3 Pages What? Me worry? - - Alfred E. Neuman Is obesity really a serious health concern or is the â€Å"epidemic† merely a result of highly fabricated, misleading ideas of politicians and the media? The article, Obesity: An Overblown Epidemic? By W. Wayt Gibbs featured in the May 23, 2005 edition of Scientific America, raises this question. Most health experts and average people believe that obesity is one of the most prevalent health concerns today, resulting in increased risk for other majorRead MoreObesity Is A Victim Of The Media And The Narrow Minded View On Obesity982 Words   |  4 Pagesof the media and the narrow-minded views of the western world, I, along with many others in the US don’t see any other views of health and the meaning of being healthy other than our own. To be honest, while reading the first few sentences of Yates-Doerr’s article Obesity Science and Health Translations in Guatemala, I was taken back at the fact that in Guatemala, â€Å"fatness is associated with health and pr osperity† because that is truly the exact opposite of the popular opinions on obesity today (Yates-Doerr)Read MoreEffects of Daily Media Use on Youth Obesity910 Words   |  4 Pagesdevote an average of 7 hours and 38 minutes...to using entertainment media across a typical day†. Not only that, but most youths also report to having no rules governing the amount of time spent on entertainment media in the mediums of TV, videogames, and any computer use. Less than 50% actually have rules and regulations on what video games they are allowed to play and what TV shows they can watch. However, I believe that daily media use among children and teens needs to be controlled. If it is not

Consumer Law Australian Motor Industries

Question: Describe about the Consumer Law for Australian Motor Industries. Answer: 1. Three strategies adopted towards regulatory compliance The Australian Motors Industries is an automobile assembly firm. This company was started in 1926. The increase tariffs on import on vehicles have enhanced the growth of the Australian vehicle industry. The concessions on tax differed. The industries have started changing and there was a demise of the small body building industries. The Australian company was having English partners, (Eprofitfocus, 2014). The company negotiated with Daimler-Benz in 1958 to distribute and assemble Mercedes Benz in Australia, (Amc, 2016). This way the AMI has started making business and increased the business and also the share market, (Industry, 2016). The strategies applied by them are to make more business by forming agreement with different other automobile companies inside or outside Australia. They use some local made parts while assembling the body of the vehicles which also increase the employment as well as the use of local raw materials. This makes the price of the vehicle affordable for the general people of Australia, (Digplanet, 2016). This will increase the sell of the vehicle which will increase the business of both the company. The amalgamation of the AMI with Toyota has proved to be the milestone of the company. The first car of Toyota that has been made outside Japan was in Australia by AMI. This amalgamation has also increased the rate of shares of the AMI. The company changed its name and the new name was AMI Toyota Ltd in 1985 and was still listed in the stock exchange. Promotion of competition These strategies will indeed promote and increase the competition of the automobile industries in Australia. The amalgamation with different companies outside Australia will become threat to the local automobile industries. The AMI, as it make the body of the vehicle and assemble it will make sure that the cost of assembling should be cut so that the selling price of the vehicle becomes less compare to other companies. This is completely a business strategy. This action will increase the sell of the vehicle, which will enhance the business and will also help to earn more profit. The vehicle company should get profit in the country as this will help in growing the business of AMI. The AMI has started making the Matadors with more specific and modern technologies. They have included power windows, power steering, air conditioning, with an AM Radio. These modern technologies have made the other companies to think about such technologies to implant them in their vehicle. The AMI is doing this with a lower cost with the help of the other companies. This cannot be done by the other companies if they are not amalgamated. The AMI does not compromise with the quality of their work in order to cut the cost. This is one more reason behind the increase in competition of the assembling vehicles in the Australian market. This amalgamation has proved to be a boon for the AMI. Recommendation The AMI should look after the strategies they are making and should change according to the demand and the market. The strategies should change also according to the company it is amalgamating and the employees working therein. Forming an amalgamation means getting into a contract. The agreement made should be according to the law of Australia and not of the law of the country of the other party. The management of the AMI should make the terms of the agreement very consciously so that no misrepresentation is being made in the agreement. Any breach of term or any misrepresentation will make the contract void, and the AMI will be committing an offence. The management of the company should be working properly and should be honest amongst them. This will initiate and enhance in smooth working of the company. The company is should take care of the consumers. It should follow the rules and provision provided in the Consumer law of Australia. The AMI is a company that assembles the body of the vehicles, and also makes the parts of the vehicles. They should think about the customer satisfaction and also should make the vehicle with a price that will be affordable for the general people. The customers, who are the consumers according to the consumer law, should not face any problem regarding the vehicle they are purchasing. Any grievances should be made to the company and the company is bound to look after the problems. It is the duty of the company to look after the comfort level of the customers. And the company is also bound to make or give proper information regarding the vehicle. Any false representation or using of materials below quality will reduce the goodwill of the company. This reduction of goodwill will hamper the company to any extent. At first, the company will move down in the stock exchange, the rate of the shares will also fall down, (Futureinaustralia, 2016). Because of this the contract for amalgamation will also come to an end. Therefore, the manage ment of the company should make strategies and decisions that will comply with the market resulting to competition and will also be according to the provisions of the Competition and Consumer Act. 2. The facts of the case that Bungee World Ltd ("BW), is the worlds highest bungee jumping platform. The name of the platform is Sea Monster. The interested participants has to pay $50 for the jump and has to sign a form where it has been mentioned that the Bungee World Ltd. is nowhere responsible for the death or any injury caused to the participant during the bungee jump and other relevant terms. An investment banker, Loki went for bungee jumping on the Sea Monster. He duly pays the fees and signs the form. After that he went to the platform where he met Kate, who is a bungee instructor. She had been working as an instructor since last 10 years. Kate, got him ready and ensures that his legs are tied up properly to the safety rope. Loki makes the jump and somehow a part of the steel platform has broken down from the main platform. The safety rope was attached to the steel platform. This happened due to the sea moisture. Loki did not get harm severely but had a nervous breakdown. He wants to sue BW for the negligence on its part. There is a case of negligence on the part of Loki. As he has suffered from an injury (emotional distress), he can sue BW for the injury caused to him. For this it is very important to understand the actual meaning of negligence. Negligence in general can be termed as carelessness. It is a kind of tort. In legal terms, it signifies failure to exercise the standard of care which the doer as a reasonable man should understand and have followed the same and have acted in accordance with the circumstances. In general term, there is a legal duty to take care where it should have been forseeable that failure to do the act will cause injury. Negligence is a way in which kinds of harms may be caused, by not taking any adequate measure to avoid during such circumstances. Any harm may be caused to someone negligently though was not careless and tries to be careful, if the care taken was such as the court deems inadequate in the circumstances. For proving the negligence, the plaintiff has to prove that there is a duty of care towards the plaintiff. The duty means a legal duty, (Lawhandbook, 2016). The plaintiff has to proof that the defendant owed to him a certain duty of taking care and has made a breach of it. No definition of duty has been provided anywhere. It depends on the circumstances and it varies from one another. In Donough v. Stevenson (1932), it has been stated that there must be proper and reasonable care that has to be taken care of which can cause injury and can be foreseen. Here, Loki is responsible to proof that the BW is negligible on its part as it could have foreseen the injury that has caused to him, (Ruralandgeneral, 2016). The BW could have taken proper care in order to prevent the injury caused to Loki. Therefore, BW has caused negligence. The duty of the defendant also depends on the reasonable foreseeability of the injury. This means that if during the act, the defendant could have foreseen the damage that may cause to a person or the plaintiff and still he does the act or could not prevent the injury, the defendant is liable for the negligence, (Legalaid, 2016). This has been mentioned in the famous case of Glassgow v Muir (1943). The ability of foreseeing also varies from person to person. If this point is considered, then also BW is responsible for the negligence made on its part that has caused injury to Loki. If the injury is not foreseen, the defendant is not responsible on its part though the plaintiff may sue him. Another point that has to be proved by the plaintiff is that damage has been caused to him. The damage caused to the plaintiff is because of the negligence made on the part of the defendant and the damage could have been prevented, if taken proper precautions. The damage if not proved, the defendant will not be liable for any negligence. The ALRC has divided the damage into two parts, (Alrc, 2016). First, physical injury- an injury that has caused bodily harm or has damaged any body parts and can be seen or make out by other people. Second is the mental injury. Any injury that has cause mental dis-balance or agony, emotional distress, nervous breakdown and similar other things can be termed as mental injury. Here, Loki has nervous breakdown but is not having any bodily injury. If all these conditions are fulfilled and are satisfied then the BW will be held liable. But there is a form that has to be signed by all the participants that BW will not be held liable for any damage caused to the participants. Loki has also signed the said form. Therefore, in this case, BW will not be held liable for the negligence claimed by Loki. But for the near future, BW should take care pf the participants and also maintain the platforms and safety rope properly so that no further accident takes place. 3. What are the National Employment Standards All the workplaces, i.e., companies, industries, factories etc., are guided by the Fair Act, 2009. The National Employment Standards are also guided by the Fair Works Act, 2009, (Fairwork, 2016). The National Employment Standards are the ten entitlements at the minimum level that has to be maintained by all the employment sectors and has to be provided to all the employees of the concerned sector, (TDA, 2016). The ten entitlements referred in the National Employment Standards are: The employees of a concerned should work for 38 hours per work and also additional hours which are reasonable. They are not supposed to work more than that. There must be right given to certain employees who may request the employer to provide for flexible working arrangement. The employees have the right to get an unpaid leave for 12 months and also request for an unpaid leave for another 12 months if required and also get leave for any sort of parental leave. The employees are entitled to get paid leave for four weeks in a year and also additional leave for those employees who are shift workers. The employees are entitled to get unpaid leave willingly for any emergency activities or leave for service of jury where the employees will be paid for 10 days if the take leave for jury service. The employees are entitled to get which comes from a pre-modernised award. The employees are entitled to get 10 days paid personal leave, two days unpaid carers eave and two days compassionate leave, i.e., leave granted under sympathy. The employees are also entitled to get paid leave on the public holidays. Notice up to five weeks must be given before termination and on redundancy; 16 weeks severance pay must be given. The employers should be provided with Fair work Statement and the rolesof Fair Work Commission, (Ieuvictas, 2016). Why do these standards apply The NES applies to all the employees working in the national workplace relations system without any regard to the employment contract, award that applies to the employees. But there are only certain rights, i.e., maximum working hours, carers leave etc., that has been entitled to the casual employees, (Fwc, 2016). Being a head of human resource of an Australian Engineering company, a proper record has to be maintained, the grievances of the employees should be heard of and a sudden inspection has to be made in the company, in order to ensure that the company is not contravening any of these standards, (Awu, 2016). 4. The fact of this case is that Rebecca, who is an old woman, lives alone in Brisbane. The only language in which she can communicate is English. This is because she has recently migrated to Australia from Italy. She receives a call one day from Dave, who is a representative of a plumbing company. The call was made randomly for a general plumbing check for free. Dave tried to make Rebecca understand that this plumbing check was for free, just to check the condition of the pipes and taps of her house and it does not include any liability. She agreed for the plumbing check and on the very next Dave went to her house. After the checkup, Dave concluded that the pipes and taps are in good condition, (Consumerlaw, 2016). He then suggested Rebecca to buy an Ono filter which contains latest reverse osmosis technology for $2,000, including the installation. He said that he is having one unit of the said filter in his vehicle parked outside, (Australiancontractlaw, 2016). Rebecca did not want to buy the filter but after and was not interested to spend any money. But as Dave went on convincing her for two hours, Rebecca at last got convinced and she signed the contract for buying the Ono filter, (Legislation, 2016). She did this under pressure and not by her consent, (Lawbuddy, 2016). Next Dave stated that if she refrains from the cooling-off period then he could install the filter and Rebecca agrees in doing so, (Libguides, 2016). The issue is that Rebecca does not have any complain against the filter as it was working properly. But she did not have any need for the filter and she felt pressurized to sign the contract. The law which is applicable in this case is the contract which has been made is by undue influence, (Lawhandbook, 2016). Undue influence means a situation where one party dominates the will of the other party and takes the unfair advantage of the position over the other party. The agreement made under such term is voidable at the option of the party who was forced to enter into the agreement. There is no remedy or rights available for Rebecca under Section 21 of the Australian Consumer Law, (Consumerlaw, 2016). All she can do is to give an application before the court, where the court after it is satisfied will set aside the said agreement. Reference Alrc. (2016). Negligence. Retrieved October 04, 2016, from alrc.gov.au: www.alrc.gov.au 7. Fault Amc. (2016). Australian Motors Industries. Retrieved October 04, 2016, from hudson-amc.org.au: www.hudson-amc.org.au/historical/ami-the-start.htm Australiancontractlaw. (2016). Australian Contract Law. Retrieved from australiancontractlaw.com: www.australiancontractlaw.com AUSTRALIANCONTRACTLAW. (2016). Australian Contract law. Retrieved from australiancontractlaw.com: www.australiancontractlaw.com/legislation/cthacl.html Awu. (2016). National Employment Standards. Retrieved October 04, 2016, from awu.net.au: https://www.awu.net.au/national-employment-standards Consumerlaw. (2016). Australian consumer law. Retrieved October 04, 2016, from consumerlaw.gov.au: https://consumerlaw.gov.au Consumerlaw. (2016). The Australian Consumer Law. Retrieved October 04, 2016, from consumerlaw.gov.au: consumerlaw.gov.au/the-australian-consumer-law Digplanet. (2016). Australian Motors Industries. Retrieved October 04, 2016, from digplanet.com: www.digplanet.com/Australian_Motor_Industries Eprofitfocus. (2014). 2014 Australian Motor Industry Overview. Retrieved october 04, 2016, from eprofitfocus.com: https://www.eprofitfocus.com/market-intelligence/motor-industry... Fairwork. (2016). National Entitlement Standards. Retrieved October 04, 2016, from fairwork.gov.au: www.fairwork.gov.au Employee entitlements Futureinaustralia. (2016). Major industries in Australia. Retrieved October 04, 2016, from futureinaustralia.com: www.futureinaustralia.com/students/major-industries-in-australia Fwc. (2016). National Employment Standards. Retrieved October 04, 2016, from fwc.gov.au: www.fwc.gov.au Minimum wages conditions Ieuvictas. (2016). National Employment standards. Retrieved October 04, 2016, from ieuvictas.org.au: www.ieuvictas.org.au/files/8613/4214/4413/nes.pdf PDF file Industry. (2016). Automotive industry. Retrieved October 04, 2016, from industry.gov.au: www.industry.gov.au/Industry/IndustrySectors/Automotive/Pages/... Lawbuddy. (2016). Contract Law in Australia. Retrieved October 04, 2016, from lawbuddy.com.au: www.lawbuddy.com.au/knowledge-base/contracts-in-australia Lawhandbook. (2016). elements of contract. Retrieved October 04, 2016, from lawhandbook.org.au: www.lawhandbook.org.au Contentsl Lawhandbook. (2016). Negligence. Retrieved October 04, 2016, from lawhandbook.sa.gov.au: www.lawhandbook.sa.gov.au ACCIDENTS AND INJURIES Legalaid. (2016). Negligence. Retrieved October 04, 2016, from legalaid.wa.gov.au: www.legalaid.wa.gov.au Birth, life, death Personal injury LEGISLATION. (2016). Australian Consumer Law and Fair Trading Act 2012. Retrieved from legislation.vic.gov.au: www.legislation.vic.gov.au/Domino/Web_Notes/LDMS/PubStatbook.nsf/f LEGISLATION. (2016). Competition and Consumer Act 2010. Retrieved from legislation.gov.au: https://www.legislation.gov.au/Details/C2013C00004/Html/Volume_3 Legislation. (2016). Competitoin and consumer act 2010. Retrieved October 04, 2016, from legislation.gov.au: https://www.legislation.gov.au/Details/C2013C00620 Libguides. (2016). Contract Law. Retrieved October 04, 2016, from libguides.acu.edu.au: libguides.acu.edu.au/c.php?g=234001p=1553441 Ruralandgeneral. (2016). What is Negligence. Retrieved October 04, 2016, from ruralandgeneral.com.cu: www.ruralandgeneral.com.au/insurance-consumer-what-is-negligence.php TDA. (2016). National Entitlement to Training. Retrieved from tda.edu.au: www.tda.edu.au/cb_pages/...National_entitlement_to_training_V4.pdf PDF

Identification of Radio Frequency-Free-Samples-Myassignmenthelp

Question: Discuss about the Radio Frequency Identification Technology (RFID). Answer: Technology has become an integral part of the business processes and operations that are carried out in the business organizations. There are several new components of technology that are being created with each passing day and technology has been changing at a very rapid rate. One of the recent advancements in the field of technology is Radio Frequency Identification technology (RFID) (Jechlitschek, 2013). The document covers the details of RFID along with its advantages, limitations and applications. Radio Frequency Identification (RFID) Technology Meaning Working Radio Frequency Identification which is commonly known and abbreviated as RFID is the technology that identifies the presence of a particular object on the basis of the radio signals. RFID is a technology that can be used for the identification of various different entities such as people, items, packages and likewise. RFID is being increasingly used in the business organizations for a variety of different purposes (Kaur, 2011). Working of RFID is based upon three primary components as RFID tag or a smart label, RFID reader and a smart antenna that is used in the RFID system. RFID tag is the component that is present in the RFID system which consists of integrated circuit along with an antenna. Both of these components assist in the transmission of the data and information to RFID reader. RFID reader is the component that collects the information and converts the radio waves in usable format. The information that is collected from the RFID tags is then gathered and stored in a database system which allows the system experts to analyze the information at later stages (Weis, 2015). Working of RFID System RFID is a technology that comes under the broader group of technologies as Automatic Identification and Data Capture (AIDC). The RFID tags that are present in the RFID system also comprise of a protective material to make sure that these tags stay protected from a number of different environment conditions. Business/Technical Problems Solved by RFID There are a number business and technical problems that are solved by the application and installation of RFID systems. There are a number of assets that are associated with the organizations that get lost or become difficult to find when needed. Tracking and management of these assets can be easily done with the aid of RFID systems. RFID technology can be used by installing the RFID systems in the assets which would allow the management to keep a track of the assets at all times. There are a number of employees that are engaged with the business organizations. There are chances that physical security may not be sufficient for authentication and identification of these employees which may bring up several issues for business organizations. It is in these cases that RFID comes into picture and can be easily used for tracking and management of human resources and people (Want, 2006). Organizations face a lot of technical trouble in managing and monitoring the documents that are associated with it. There are scenarios associated with loss of documents or mismanagement issues. RFID system can be installed for document tracking which would allow lesser time to be spent in the tracking of the documents. Also, there are severe legal obligations that may come up in case of a loss of document which is also avoided. Limitations of RFID There are however certain limitations that is associated with RFID systems and applications which are as listed below. There is still no RFID standard that has been created as yet. It is because of this reason that there may be issues associated with standardization. There are technical issues that often come up in case of RFID tags that lead to problems such as compromised functioning. Cost is also one of the limitations that have been observed in association with RFID tags. The cost of an overall RFID system is much higher as compared to that of the barcode system. There are security and privacy concerns that are also associated with RFID systems. The consumers that make use of the products that have the RFID tags installed in them can be easily and conveniently traced. There is also a great risk to the privacy of the product as the serial numbers and product codes can be easily obtained (Iyer, 2005). There can be interference of the radio signals with other radio frequencies along with radio transmissions, metals, liquids and many other materials. There can also be reader and tag collisions that may result in the disruption of the regular functioning of the entire system (Bakir, 2013). Organizations Implementation of RFID Wal-Mart There are several organizations that have implemented RFID systems in their architecture and have gained a number of benefits with the implementation of the same. A number of retail stores suffer from the problems associated with inventory management due to the absence of real-time data and bullwhip effects. RFID systems have been implemented and used by the retail stores to overcome the inventory issues and one such organization that has made use of these systems is Wal-Mart. Wal-Mart has established itself as the largest retailer on a global platform. However, there were a number supply chain issues that were emerging in the organization and these issues were becoming difficult to deal with. Wal-Mart implemented RFID systems to improve its supply chain management and supply chain systems. RFID systems have allowed Wal-Mart to have higher efficiency and accuracy in the ordering decisions and other supply chain activities as well. In the first phase of the implementation, the organization mainly used RFID systems for the tracking of pallets of merchandise travelling all across the organizations supply chains and warehouses. There were marked improvements that were observed in terms of monitoring, management, tracking, efficiency and accuracy. Volume of excess inventory was controlled with the aid of RFID systems in the next phase of implementation (Kosasi, 2014). There has been a transformation in the way Wal-Mart runs all of its retail stores after the implementation of RFID in its architecture. The movement of the goods can now be easily tracked and managed. Also, stocks can be easily shelved using the radio frequency tags. Prospects of RFID for Success in the Marketplace There are a number of different prospects of RFID in the marketplace in various business and industry sectors. RFID is being used and is expected to be used at a larger scale in the supply chain and inventory management activities in the manufacturing units, retails stores and production houses. These systems can also be used in transportation industry for easy tracking and management of the vehicles and for offering better services to the customers. In the field of healthcare, patient safety and overall management can be achieved with the aid of RFID systems (Nambiar, 2009). There can be higher use of RFID systems with the development of the standards and enhancement of the technology. One of the key limitations of an RFID system at present is the security and privacy concerns. Once, these limitations are overcome then there will be enhanced use of the technology in the market. Conclusion Technology has evolved and expanded itself over the years and one of the latest contributions in the field of technology is Radio Frequency Identification (RFID). There are a number of business and technical problems and issues that are resolved with the application of RFID systems and tags. It is necessary to make certain advancements and enhancements in the RFID technology in order to make it more secure and to make sure that there are increased number of applications of the same. References Bakir, Z. (2013). Limitations of Forward and Return Links in UHF RFID with Passive Tags. Retrieved 20 June 2017, from https://ijettjournal.org/volume-5/number-5/IJETT-V5N5P145.pdf Iyer, S. (2005). RFID:TechnologyandApplications. Retrieved 20 June 2017, from https://www.it.iitb.ac.in/~sri/talks/rfid-05.pdf Jechlitschek, C. (2013). A Survey Paper on Radio Frequency Identification (RFID) Trends. Retrieved 20 June 2017, from https://www.cse.wustl.edu/~jain/cse574-06/ftp/rfid.pdf Kaur, M. (2011). RFID Technology Principles, Advantages, Limitations Its Applications. Retrieved 20 June 2017, from https://www.ijcee.org/papers/306-E794.pdf Kosasi, S. (2014). How RFID Technology Boosts WalMart's Supply Chain Management. Retrieved 20 June 2017, from https://www.jitbm.com/24th%20Volume%20JITBM/3%20Supply%20Chain%20Management.pdf Nambiar, A. (2009). RFID Technology: A Review of its Applications. Retrieved 20 June 2017, from https://www.iaeng.org/publication/WCECS2009/WCECS2009_pp1253-1259.pdf Want, R. (2006). An Introduction to RFID Technology. Retrieved 20 June 2017, from https://www.cs.colorado.edu/~rhan/CSCI_7143_001_Fall_2002/Papers/rfid_intro_01593568.pdf Weis, S. (2015). RFID (Radio Frequency Identification): Principles and Applications. Retrieved 20 June 2017, from https://www.rfid-off.com/uploads/4/5/1/2/45128343/rfid-article_mit_usa.pdf

Madeline Barnard Essays - Religion, Culture, Cultural Anthropology

Madeline Barnard Professor Coffey HS/102/01 September 20, 2016 European Witch Hunts The European witch-hunt lasted for sixty years causing constant turmoil throughout Europe. Due to the constant tension, women started to be accused of witchcraft. Religious conviction and science caused many questions to appear, as people started to panic about the alleged "witches". From 1570 to 1630 women were being targeted for witchcraft. Most people believed these women were witches because of their sex, their economic or social status, or because they were considered vulnerable. Due to the fact vulnerable women were thought to lack power and family support, they were common targets of the accusers. The women that were targeted also were "usually impoverished" (Hoak 1271). Also, Europe during this time period was war stricken and was facing a social upheaval, so resources were very scarce. This is how witch hunters justified their actions of eliminating "witches". People believed that these helpless women wanted more power to control their enemies and that's why they participated in witchcraft. I believe that that the socioeconomic conditions of this time period had a tremendous impact on the witch craze. For example, there was a lack of resources, which made life a challenge for the "witches" but their accusers as well. The accuser had no problem killing off "witches" due to the socioeconomic issues. Additionally, I feel as though the Scientific Revolution and the Reformation both played a major part in the witch craze. For instance, the Reformation made people feel as though god was not present in everyday life. As seen in the textbook on page 49, Protestants thought, " the symbols and rituals have provided a sense of protection" (text) were missing. As more questions arose about science people began to question everyday life and the unknown. Which contributed to the witch-hunt, craze and caused many questions to arise. I think that because everyone was questioning science they needed something to believe and that's were witches came in. By attempting to reconcile religious conviction with science it brought on the witch-hunts. I strongly agree with Dale Hoak's assessment of the witch craze because witch hunting appears to have been a socially destructive by product of the European transition to modernity.

medical insurance essays

medical insurance essays The initial idea of medical insurance should have been a good idea as a way of helping Americans afford medical bills in a case of emergency or just routine physicals and check-ups. A lot of lower class Americans could not afford the treatment and would therefore go without medical attention in both of these cases. In cases of emergency, they would usually be put in to collection because they could not pay the bills after the treatment. The government decided to set a plan to have humans insured, just like automobiles, to supposedly make medical treatment available to all people - high, middle, or low class. This should have been a good idea...however, I believe that it has only made By making this plan for insurance on human health, the insurance agencies are making trillions upon trillions of dollars on people who would usually skip going to the doctor for a common cold. Initially, the insurance policies were made to help in emergency situations for people who had a broken a leg, or had to have major surgery and could not afford the price of high-technology treatment. The insurance would have made the customer pay about fifty dollars a month out of theyre hard-earned money whether they were going to use it or not, for medical treatment. Still, the insurance did not cover all of the expenses even though the customer is shelling out thousands of dollars, sometimes for nothing. It is just another way for a large insurance business to make people believe that they need to insure their own health, like they were a possession or an item. Now people are paying for insurance that they seldom use, but feel better because the business has made them believe that they cannot and will not live without medical Another bad result of medical insurance is that it has turned the entire field of ...

Essay on Finance Law Example | Topics and Well Written Essays - 1000 words

On Finance Law - Essay Example As in the case of Salomon Vs Salomon, the court held that the two were separate entities. Walter therefore has the fiduciary duty to negotiate on behalf of the company while putting the interest of the company first. 1b. (i) According to the signed document that constituted the contract, the interest rate on the loan is 8%. Eight percent is therefore the appropriate interest rate that should be legally charged on SE Pty Ltd. Charging any rate lower or higher than the agreed rate as per the contract constitute a breach of contract and is therefore unacceptable and illegal. The company can as a result sue the bank for breaching the term of the contract and demand damages or refund for any loss that might have been attributed to the breach (Keenan & Riches, 2007). SE Pty Ltd can thus legally insist that the interest be calculated at 8% rate. (II) There would be legal ground for the company to obtain compensation if it could not insist on the loan calculation at 8%. In the legal suit aga inst the bank, the company would contend that the calculation of interest at 11% interest made them incur additional cost and this hindered their operations. The bank would then be faced with the duty of determining the amount of compensation to award for the losses caused to the company. Moreover, SE Pty Ltd could argue that a cardinal term of the contract was breached whose impact can be determined financially. 1c. According to the banking law, the bank has a right to combine accounts without permission of the customer so long as the accounts are held in the same capacity. It was therefore in order for the bank to combine the loan account and current account because they all belong to the same company. In addition, the customer (SE Pty Ltd) owes the bank some debt. This verdict will be similar to the previous case of Garnet Vs McKewan 1872 in which the bank combined the accounts without customers permission (Hudson, 2009). On the other hand, it would be illegal for the bank to com bine the personal saving account of Walter with those of the company because the accounts belong to different owners. The saving account of Walter is completely separate from that of the company and can therefore not be combined. A similar case was in Salomon Vs Salomon in which the separate identity was ruled (Salomon, 1961). 1d. The bank promise to accept only seven installments is unenforceable as they are inconsistent with the terms of the contract signed by the parties. Despite the promise, the bank could still claim that SE Pty Ltd pays the full amount of the loan and interest charges. The promise is only admissible at the goodwill of the bank and is not; legally binding. Moreover, the promise was oral hence; it cannot bar the bank from executing the original contract agreement. Q2a. Walter cannot be forced by the bank to sell his land in Bundoora to pay the loan of $ 1 million. This is because the loan was not Walter’s personal loan but was for the company. Moreover, t he land in Bundoora is not the property of the company. The case of Salomon vs Salomon in which the separation of the property to that of the owners was determined. However, the land at Bundoora can only be sold if Walter has some financial debt to the company. The amount will however be limited to the extent of the debt Walter owes the company (Proctor, 2010). Q2b. The

Hiring issue in Law firm Essay Example | Topics and Well Written Essays - 750 words - 1

Hiring issue in Law firm - Essay Example nterviewee, Blumentrath described the importance of maintaining a well-groomed appearance and carrying an outstanding, up-to-date resume in order to gain positive attention from the organizational recruiter. One key aspect that the presenter believed was important was for the interviewee to proactively identify potential questions that might be presented during the interview. This is to ensure that there are quality communications between the recruiter and the candidate so that the interviewee is able to show interest and dedication toward understanding the principles of the law firm. From the interviewer’s perspective, these elements help set the candidate apart from the rest by showing their enthusiasm and loyalty toward the business where they wish to be employed. Critically speaking, these are many commonly-understood principles associated with recruitment and the interview process that only served as an elementary reiteration of important concepts to gain competitive edge against other candidates. Blumentrath was much more candid when it came to presenting the importance of appearance and dress in this industry. For example, women were informed to ensure that they did not have too much of their cleavage showing from a choice of low-cut dress. What she referred to as the dip test consisted of a self-test involving the ability to touch the collarbone with the tip of the thumb while laying the hand on the chest to make a certain shape. If the test passes, then the dress is considered appropriate for this environment. She also used humorous statements about keeping an extra pair of pantyhose at the desk and a less revealing cardigan in the drawer when dealing with more conservative clients. This dress discussion reinforced the importance of image in this industry and how to take action to ensure that there is always a strategy for working with diverse clients. This was an excellent eye-opener regarding how appearance will be considered by others, such as

Roxanne Swentzell Essay Example | Topics and Well Written Essays - 1500 words

Roxanne Swentzell - Essay Example The artwork by Roxanne gives full focus on the human beings and their daily interaction with the environment. The term environment here refers to the general surrounding. As in people besides the other person, are they the work one does, house chores, defined by gender or political aspects. Human on the other aspect refers to any person. Young or old, a child, woman or even boys. She tries to express her feelings through them and the effects of the environment to their lives. Or even the impact of their lives on the environment. Humans react differently to their environment. Roxanne has strived to bring out the aspect of their feelings. She has balanced the emotional dimensions of the children, shyness, and love to children and how they interact with each other from the general perspective (Swentzell, Roxanne, & Gussie 44). In her artwork of making babies for Indian women, she has designed a Pueblo woman. The woman has a port on her head and babies are emanating from it. Others carried on her laps, some standing on her shoulder while she seats on the ground. The one standing is eager to know who these others are coming from the pot. The sculpture is symbolic. The port represents the birth process. Pueblo is African in nature. From the cultural view, African women should bore and rare to a big number of children and manage it the best way possible. It is disbelief that children are sources of wealth and symbol of a wealthy family. The pot is symbolizing the woman’s uterus: an organ in which conception takes place. Before been expelled through the birth canal, that is the neck of the pot to the point where the children are seen peeping. These depict that an African woman is expected to be very healthy and fertile. In turn, it will enable her conceive as many children as possible. The man, on the other hand, will deal with the task of rearing, educating them. The artist

Porters Four Generic Competitive Strategies Marketing Essay

Porters Four Generic Competitive Strategies Marketing Essay The company that I has chosen is Dean Foods Company. Dean Foods Company is a leader in the quality branded dairy business in United States. Dean Foods Company was founded in the 1925 by Samuel E.Dean and is headquartered in Dallas, Texas. The company was formerly known as Suiza Foods Corporation and in December 2001 its changed its name to Dean Foods Company .Its operating as food and beverage company in United States and also knows as multinational corporation their divided their company into 2 segments which is DSD Dairy and WhiteWave-Morningstar which is different company target on different market .like DSD Dairy which target on markets, and distributes various branded and private label dairy case products such as whipping cream, dairy coffee creamers, and ice cream mix and other.The WhiteWave-Morningstar company is target on dairy related products, soy products such as silk soymilk and milk and so on. (http://finance.yahoo.com/q/pr?s=df). In year 2006 Dean Foods Company have been added into standard and poors 500 index(http://en.wikipedia.org/wiki/S%26P_500) and it also in the ranking number 6 in the top 100 food processing company in year 2009 (http://www.foodprocessing.com/top100/) and manage to earn $ 12,454,613  as total revenue in year 2008. (http://finance.yahoo.com/q/is?s=DFannual),ConAgra ,Dairy Farmer of America and Kreadt Food which is the competitor od the Dean Foods Company (http://www.answers.com/topic/dean-foods-company). The corporate vision of Dean Foods Company is Healthy Foods, Healthy Families, Healthy Business and creating value for our owners in long and short-term, by means of profitable dairy activities; to develop, produce and market a broad range of reliable, natural and nutritious dairy products that contribute to well-being and vitality of life; and to recognize that know-how, quality, dedication and leadership of our employees are the most crucial assets to achieve our targets and make stable growth in their business. (http://www.deanfoods.com/our-company.aspx). This is a very important for an organization that in the beginning of the process strategies analysis it should analysis environment. Environmental analysis should be continuous and feed all aspects of planning. The organizations environment analysis is composed as follows 1.0 Internal analysis 1.1 SWOT Analysis SWOT Analysis is plays an important role to evaluate environmental opportunity in relation to the strength and weakness of the organization resources and it relation to the organization culture. (http://deep-swot-analysis-software.smartcode.com/screenshot.html) By using the SWOT analysis we can know the strengths and weakness internal of organization and also The opportunities and threats presented by the external environment to the organization (http://en.wikipedia.org/wiki/SWOT_analysis) ,SWOT Analysis with the PEST can be used as a basic for analysis if business and environmental. Because all company are aim for maximizing the profit so that SWOT analysis is normally using for general business planning. Normally SWOT Analysis is creating the value for the company then creating the customer for this value we need to know why we can survive in this market what make us become so special or unique compare to our competitor. What customer need remain unfulfilled in this market and why they will purchase our competitor product and so on. Opportunities are area to add value to our product like doing the promotion and advertisement so that our product will be better known in the market and the threat is how u losing your customer .( http://www.sales-and-marketing-for-you.com/swot-analysis.html). For the example as we know Wal-Mart is a powerful retail brand and also is a value for money, convenience and a wide range of products all within the scope of a stores reputation. Even Wal-Mart is the worlds largest food retailers and the control of the Empire, despite its technological advantages, will make some parts of the country, due to large span of control is weak. This is the main weakness o f the company .they have the opportunity to take over, merger, or other forms of strategic alliance of global retailers, focusing on specific markets such as Europe and the Greater China region because the a the largest food retailer company in this world . But they need always change with time because their competitors not only in the local and also global. (http://marketingteacher.com/SWOT/walmart_swot.htm). 1.2 Value Chain Analysis Value chain analysis is how we create the competitive advantages through adding value in any functional area of business and how it might be using for evaluating competitive advantages. (http://www.businessdictionary.com/definition/value-chain-analysis.html) Sources: http://www.remnet.com/porter.html All primary activity will support by the supporting activities which plays an important role in create and maintaining a competitive advantage in current market and it will support by the firm-wide infrastructure. For example McDonalds goes into a win-win relationships with Pret à   manager, a UK sandwich chain which is concentrating on each partners competences. Sources: adapted from American marketing association (2001),Farnham (2001) .case refer to Appendix 1. Through the analysis it will help firm to achieving competitor advantages in different ways which is cost advantage, differentiation and linkages within value activities within the organization and outsourcing activities. Beside that the firm can determine the value of the system in the industry, the various actors in the potential of strategic alliances, its will helps firms to identification of cost drivers by reducing costs and finding ways to optimize the return on the entire value chain links. In addition, the value chain analysis can help firms understand the issues of cost management. For example firm can introduce a new production processes or different sales approach to reducing the cost beside that the firm also can create the differentiation with their competitor by procurement of inputs and make the final product become more unique or either increasing the service level ,finding a cheaper or better suppliers, improve the reliability and flexibility and improve the business processing such as reduce the manufacturing costs, lead time inventory, and avoid the risk in investing in specialized assets . By using this analysis the firm can save a lot of cost and it will increase competitor advantage in the food industry market. 1.3 BCG matrix BCG Matrix is helping the enterprise to determine the product line, analysis their business unit and also allocate resources. Normally it using to analytical tools in brand marketing, product management, strategies management and portfolio of the company. (http://krikor.info/2008/11/bcg-matrix/) (Sources: http://krikor.info/2008/11/bcg-matrix/) Basically the BGC matrix is using to rank the product on the basic of their relative share market and growth rates into four quadrants which show in diagram above. Each represents a different type of business with different strategies and resources requirements. (http://www.maxi-pedia.com/BCG+matrix+model) (http://www.12manage.com/methods_bcgmatrix.html) This model have various advantages which is à ¢Ã¢â€š ¬Ã‚ ¢ à £Ã¢â€š ¬Ã¢â€š ¬ Enables management assesses the organizations present and future potential and provided base for the management to decide and prepare the next action should be taking. à ¢Ã¢â€š ¬Ã‚ ¢ à £Ã¢â€š ¬Ã¢â€š ¬ Provides analysis and comparison to multinational companies framework. à ¢Ã¢â€š ¬Ã‚ ¢ à £Ã¢â€š ¬Ã¢â€š ¬ Provides a good foundation for the formulation and marketing objectives to develop a specific international market. à ¢Ã¢â€š ¬Ã‚ ¢ à £Ã¢â€š ¬Ã¢â€š ¬ Easy to understand decision-makers through a convenient graphical form à ¢Ã¢â€š ¬Ã‚ ¢ à £Ã¢â€š ¬Ã¢â€š ¬ Enables management to make informed decisions. à ¢Ã¢â€š ¬Ã‚ ¢ à £Ã¢â€š ¬Ã¢â€š ¬Provide access to opportunities and issues related to specific product may be useful insights. à ¢Ã¢â€š ¬Ã‚ ¢ à £Ã¢â€š ¬Ã¢â€š ¬Enables management to assess the strength of a company. (http://www.oppapers.com/essays/Bcg-Matrix/164421) By using BCG Matrix analysis, PepsiCo able to market their products and increase their market share and market growth the strategies. In the other hand ,BCG matrix results for PepsiCo is also considered to be inspired by the branding strategy of the company for enhancing the market share and growth of their brands like Frito-lay, Pepsi, Quaker, Tropicana and Gatorade. ( http://ivythesis.typepad.com/term_paper_topics/2009/03/boston-consulting-group-matrix-bcg-on-pepsi-co.html) 2.0 External analysis Is an analysis looking from the outside resources from the company and it might affect the operation of the company. 2.1 PEST Analysis PEST analysis is analysis the external macro-environment that will affect to the entire firm. Its is the short form of politic, economic, social and technology. Its plays an important role to consider by the firm before the organization is starting a marketing process, because some of the factor is no under control of the corporation themselves. ( http://www.netmba.com/strategy/pest/) PEST analysis can be used for business and marketing and strategic planning, product and business development and the research about the market thru the product. The diagram below it shows how PEST analysis can be used for delivery to you from any department or individuals view point of view of the market thru the service and product of the company. (Sources from: http://www.projectsmart.co.uk/pest-analysis.html) PEST analysis has several advantages which is Simple structure Provides an understanding of the business environment. Encourages the development of strategic thinking. May raise consciousness of threats to a project and make the organisations earning profit from it. Can help an organisation to look forward to future difficulty and take action to avoid or minimise their impact Can help an organisation to mark opportunities and make it successfully. (http://www.accessmylibrary.com/article-1G1-141751393/carrying-out-pest-analysis.html) For example Coca Cola Company is using political analysis which is selling the non alcoholic beverage. Beside that they also using the social analysis by introduce the diet coke to the whole world which nowadays are practicing healthier lifestyles in this action their manage to get 43% of all household in the us citizen to buying their product instead of beer or mineral water (http://www.scribd.com/doc/22274938/Swot-n-Pest-Analysis-of-Nestle-and-Coca-Cola) 2.2 Porter 5 forces It uses the concept of the development of industrial organization economics to derive five kinds of forces to determine the intensity of competition, develop a broad and sophisticated analysis of competitive position and the markets attractiveness. In this regard, the appeal refers to the profitability of the industry. This model can help us to define the threats and opportunities in surroundings our business and creating the strategies or decision about the organization. The diagram below is shows about the how the process and what should we focus when we making decision of the porter 5 forces: (http://www.maxi-pedia.com/Five+Forces+model+by+Michael+Porter) By using this analysis it can bring some benefit to the corporation which is Understanding the competitive forces in your industry. Assessing the attractiveness of, and growth opportunities within, a new industry. Developing effective strategies to raise your profitability, power, and competitive (http://www.strategy4u.com/assessment_tools/info.php?s=2) 2.3 Scenario Analysis Scenario analysis typically focuses on how to estimate the portfolios value will fall if the adverse events, or worst case, a reality. Scenarios involving different rates of reinvested earnings are expected to a horizon, we will re-investment return on investment. (http://www.investopedia.com/terms/s/scenario_analysis.asp) Even the scenario analysis doesnt tell you what should do to meet the customer needs and wants but they can help you understand the potential impact and benefits of different methods. Lets put in front of you all the possible results can help you make the best decision. This analysis has some advantages which is: Multiple scenarios can alert organisation when their facing some uncertainties planning which for future. scenarios help to overcome the tendency to be overconfident and base construction planning on a best guess about the future, scenarios raise the quality of strategic thinking and broaden perspectives, Scenarios help to develop robust strategies regarding different possible futures. (Sources: http://www.projectmara.com/134.0.html) 3.0 Introduction Strategy formulation is vital to the well-being of an organization, it using three phases to analysis the strategy management process which is diagnosis, formulation and implementation to help the corporation to achieve organizational goal. In the three aspects of strategy formulation it can dividend into various level of strategies which is business level strategies, corporation level strategies and international strategies. Each strategy was a different focus, need to address the strategic development and management phases and it support and affect between each other. It should be consistent for a mutually supportive way, constitute an integrated together hierarchy of strategies. 3.1 The relationship between corporate level strategies, business level strategies and international level strategies. The corporate level is thinking about what business are we in? How we created by the value of your business and ensure your business will successful in long-term period by managing your portfolio of business. To ensure that all operations are compatible, we need to develop the business units, and sometimes to make sure each business in your portfolio are compatible with each other. The business level is thinking about how we achieve the goal or an objective which was set by the corporate level. Normally this level will support by the functional to ensure it will be success. The international level is how we finding a new opportunity or other resources to our corporate to ensure it can be survive in the long term period and make sure it have the competitive advantages among our competitor. In other to come up with strategies, there are 2 approaches we need to consider which is 3.2 Resources based approach The two fundamental reason for making the resources and capabilities of the firm are Internal resources and capabilities which provide the basic direction for a firms strategies and resources and capabilities which are the primary sources of profit for the firm. Normally the resources based view will base on internal strength of the organization and compete with external environment. The diagram below is outline the framework of 5 stages to procedure which analysis the strategies formulation of the firm based on the resources based approach (http://books.google.com.my/books?hl=enlr=id=Pv3wzZ0z7R0Coi=fndpg=PA135dq=resources+based+approach+to+strategies+formulationots=E0iz50x-w-sig=FBf9lP-Lv1qJkXrVAj4lIx9bAU8#v=onepageqf=false) RBV explains that a firms sustainable competitive advantage is reached by virtue of unique resources which these resources have the characteristics of being rare, valuable, inimitable, non-tradable, and non-substitutable as well as firm specific. (Sources: Barney 1999 cited by Finney et al.2004, p.1722) For example McDonald using the Resources based approach to ensure their become more unique compare to their competitor and gain some competitive advantages in the market. In order to have a unique ability they use the M as their logo, so that all customers know that this is a glance of the McDonalds restaurant. They prepare French fries and hamburgers as their trademark in the other hand, McDonalds, it is obvious they have the courage ability to face the fact that competition with other international fast food chains. With its enormous market share and the experience in this industry for many years, other companies that they have strengths and the other party is difficult to imitate by other companies (http://www.mightystudents.com/essay/Use.Resource.Based.49020) 3.3 Porter 5 force 2.0 Business Level Business strategy and framework to achieve a specific level of the enterprise and make the organization become successful. Usually involves the company will decide how to compete in our chosen business or strategic business units. (Strategy Formulation benefits http://www.referenceforbusiness.com/encyclopedia/Str-The/Strategy-Formulation.html#ixzz0lqGsD9b3) Adopted from Michael E. Portel(1980) Competitive strategy is about being different. It means deliberately choosing to perform activities differently or to perform different activities than rivals to deliver a unique mix of value 2.1 Porters Four Generic Competitive Strategies Porters Four Generic Competitive Strategies is about how to make become so unique in the market and how to make the product got competitive advantage .Four strategies involved, and to what extent the wide range of activities of enterprises, and how to make their commercial products to distinguish themselves. Differentiation strategy will usually charge higher prices to increase product value, using the value-added features, service, convenience, quality customer. Such as the Mercedes-Benz car company, the premium price for the customer to buy a car, because it makes the buyer willing to pay that there is significant value to the car. ( http://tutor2u.net/business/strategy/competitive_advantage.htm) Cost leadership strategy is how to provide low-cost products and services than their competitors. This strategy is often used when a similar product or substitute products in market and price competition in the market is dominated by the price-sensitive buyers. Through sustained, exceptional efforts to reduce costs, and ensure that these strategies can be used successfully in the market. For example, Tescos competitors will do their shop daily price surveys to ensure that their products sold in cheaper prices to the other. ( http://www.tesco.com/todayattesco/pricecheck.shtml) Cost focus is a strategy which concentrates in a narrow focus and customer segments to the lowest price competition, and strives to lower costs than the competition advantage. For example a small shop on a side -street in a town in which they will order the clothes at lower price, or the cheapest electronic equipments which made in china. Different focus strategies is emphasis is concentrated in a narrow customer base, and competition through a variety of different features for example a high -fashion womens handbag ,clothes ,shoes and other. 2.2 Market positioning The key concept of the market positioning is how to make your product and service become unique and competitive advantages in the market by using pricing, quality, service, distribution and packaging. For example the product Nyquil was conceived as an excellent cough during the day but it will make people become sleepy after consume it. Because of the side effect of sleepiness, the company has be repositioning it and it become the night machine and help the company gain a cold remedy market .(http://www.tenonline.org/art/mm1/9305.html) 3.0 Corporate levels Corporate level is the scope of the different industries and markets the organization and considers what changes and strategies should be made in the growth of our goals or objectives. In the corporate level it got three components are useful which is 3.1 Growth strategies Ansoff matrix is a tool that helps business decides which strategy should be used and set the strategic direction for the business. It can be shown in the following chart: (http://tutor2u.net/business/strategy/ansoff_matrix.htm) In particular, the risk factors have increased further the strategy moves away from the known quantity, therefore, product development and marketing generally involves greater risk than `infiltration and diversity generally carries the greatest risk. 3.2 Portfolio analysis Portfolio analysis is concerned with making decision about the portfolio of lines of business or strategies business unit but not the companys portfolio of individual product. BCG growth share matrix model, which can help us analyze, as an industrial exhibition in the industry growth and market share related to the relative attractiveness of competitiveness indicators. McKinsey matrix is that it can be considered by both the industry attractiveness and competitive strategy customized composite variable. Single business strategy is very successful by using this method for example the early strategies of McDonalds, Coca-Cola company some of the advantage using this strategies is less ambiguity about who are and what we do ,concentrate the efforts of the total organization ,focus on long-term profits. 3.3 Corporate parenting This is a multi-related business, which involves the allocation of resources and management capacity, and in the whole portfolio of business activities. it need making some decision for business in below How to allocated the resources The critical factors make each business unit success and how to improve it Coordination of activities and ability to transfer between business units 4.0 International levels International strategy can also serve as global business, is close to the current market to the global market. Through the international strategy it will help companies creating new sources of competition, opened up new opportunities in the existing market. This is the 3 basic reasons why nowadays company will going international In order to increase sales and profits, multinational companies can expand market outlets, to open up development opportunities. Overseas sales can absorb additional capacity, reduce unit costs. They can also spread the risk of a wide range of market economy In order to gain a competitive advantage, multinational companies can find low-cost production facilities shut down and raw materials or cheaper labor. They can expand their distribution channels and access new technologies through joint ventures. In order to ensure raw material resources, transnational corporations engaged in global exploration, processing, transportation and marketing, raw materials (http://www.marcbowles.com/courses/adv_dip/module11/chapter7/amc11_ch7_two.htm) 4.1 Type of international strategies As we know they got 4 types of international strategy which is global strategies, transnational strategy, international strategy and multi-domestic strategies different strategies also got pros and corns which will show in the chart below Type of international strategies Global strategies Transnational strategies Multi-domestic strategies International strategy Advantages -Local economies. -Scale economies -Core competencies exchangeable. -Experience and location economies. -Locally responsive. Confers almost total local responsiveness on the products / services -Core competencies are exported to gain cost advantages through lower labour and transportation costs. -Limited local responsiveness Disadvantages -Unresponsive to local demand -Difficult to implement. -The term transnational may be used differently from person to person. There is no universally agreed definition. -Limited transfer of core competencies. -Limited experience and location economies. -Tends to produce a form of local autonomy which makes the local unit unresponsive to corporate headquarters -Limited local responsiveness. -Limited flexibility because of limited experience and location economies. Example Electronic goods such as TV and VCR. Motor vehicles. Shell, Unilever, Caterpillar Older MNEs of European origin Computers Foods Pharmaceuticals (Adopted from Zaleski, J. E. 2004, A lesson to learn: How automakers survive globalisation, Bangkok Post , 18 May, p. 2.) (Adopted from Hill 2005, Chapter 12, pp. 427-433.) 4.2 Franchising Top of Form Bottom of Form A commercial organization, which has been in charge of a company in exchange for a successful product or service to continue to work with other businesses operating under the franchisors trade name, and under the guidance and the franchisee, usually a contract relations . (http://www.investorwords.com/2078/franchise.html) For example McDonald after they selling the franchising to the local company their will provided the training to the staff in the restaurant and teaching them how to organize the business. ( http://www.mcdonalds.com.my/abtus/franchise/faq.htm) 4.2 Licensing Licensing is a business arrangement, one of the companies to another companys license to manufacture its products for a specified payment. By licensing patents, trademarks, copyrights, design your business, and other intellectual property rights to others. For example about 90 percent of the $160 million a year in sales at Calvin Klein Inc. comes from licensing the designers name to makers of underwear, jeans and perfume. ( http://www.entrepreneur.com/encyclopedia/term/82376.html) http://www.netmba.com/strategy/pest/ http://www.quickmba.com/strategy/pest/

The Internet :: essays research papers

THE INTERNET   Ã‚  Ã‚  Ã‚  Ã‚  In the last decade the Internet has grown from a dream into the most advanced reality. You can find practically anything you want to on the world's fastest growing tool. Computers are now very advanced and affordable so the Internet is also one of the most widely used tools. Like anything in the world the Internet also has a few bad points, however I think that the good points of the Internet out weigh the bad ones.   Ã‚  Ã‚  Ã‚  Ã‚  General information can be easily found on any subject with the simple click of the mouse. Many people use the Internet in genealogy research, or track down family or friends on a people search. The Internet can also take the place of a phone book with phone number search engines and yellow page directories. It can also be a great advantage when one is planning to travel; maps are easily accessed, and unlimited research can be done on a destination. One can easily find information on any hobby, and there is usually an Internet club for every hobby imaginable. If one is into games then there are demos for most computer games, or you could even play chess with someone overseas. There are also an unlimited number of personal ads to have fun with or maybe make a new friend. I am a music lover and there are an unlimited number of resources for all types of music. I have downloaded nearly 400 songs from the Internet, and it was all free and legal. If one does not have t ime to go shopping for Christmas there are millions of online stores for any type of gift; there are even online grocery stores. One can search huge databases of used or new cars until they find the one that is right for them. There are also thousands of classified adds to search through if the item one is looking for cannot be bought new or is discontinued. There are even online auctions where one can conveniently buy or sell new or used items. One can even pay their bills online. Of course if one wants to look into a product before they purchase it there are discussion forums on nearly every item. For the business man there are sites to buy, sell, research, or get quotes on one's stocks. All the top news groups have web sites, and there are even weather sites.

Information and computer technology on banking Essay

For over a decade, the rapid advancement in information and communication technology has significantly affected the banking industry. The banking sector has embraced the use of technology to serve its client’s faster and also to do more with less. Emerging technologies have changed the banking industry from paper and branch based banks to â€Å"digitized and networked banking services†. Unlike before, broadband internet is cheap and it makes the transfer of data easy and first. Technology has changed the accounting and management system of all banks. And it is now changing the way how banks are delivering services to their customers. However this technology comes at a cost, implementing all this technology has been expensive but the rewards are limitless. The banking sector was one of the first to embrace rapid globalization and benefit significantly from IT development. The technological revolution in banking started in the 1950s, with the installation of the first automated bookkeeping machines at banks. This was well before the other industries became IT savvy. However, in Bangladesh the revolution started in 1990s. Present Status: A good number of technology driven services are provided to the customers by the Private Commercial Banks (PCBs), Foreign Commercial Banks (FCBs)and Nationalized Commercial Banks (NCBs). The FCBs operating in Bangladesh like Standard Chartered Bank and HSBCare the pioneers to introduce technology driven banking facilities. Thesebanks provide services like ATM, debit card, credit card, Point of Sale (POS)services, internet banking, phone banking, any branch banking, ElectronicFund Transfer (EFT). Along with these services Standard Chartered Bank isproviding KIOSK service to its customers. Among the local banks, the PCBs are ahead of the NCBs in providingtechnology driven banking services. A limited number of technology drivenservices are being provided by the private Islamic banks in Bangladesh. For sending foreign remittance NCBs and some PCBs are working collaboratively with mobile phone service operators. Application of computer based services in Bangladesh: Electronic Fund Transfer (EFT), SWIFT and MICR cheque are being provided by all the banks. All the banks except Uttara Bank are providing any branch banking to the customers. All banks have debit card facilities for their clients except Citi Bank NA. First Security Islami Bank Limited, Uttara Bank Limited and Citi Bank NA have no own ATM booth. First Security Islami BankLimited is going to establish their own ATM booth. They have already selected the palce for 100 ATM booth and expect to launch within very short possible time.

Gerunds, Participles, and Infinitives Explained

Gerunds, Participles, and Infinitives Explained A verbal  is a word derived from a  verb  that functions in a sentence as a  noun  or  modifier  rather than as a verb. In other words, a verbal  is a verb that acts like a different part of speech. Verbals include  infinitives,  gerunds  (also known as  -ing  forms), and  participles  (also known as  -ing  forms  and  -en  forms). A word group based on a verbal is called a  verbal phrase. Each of these verbals is often part of a phrase, which includes related modifiers, objects, and  complements. What Are Participles? A participle is a verb form that can be used as an adjective to modify nouns and pronouns, as in this example: The children, crying and exhausted, were guided out of the collapsed house. Crying is a present participle, formed by adding -ing to the present form of the verb (cry). Exhausted is a past participle, formed by adding -ed to the present form of the verb (exhaust). Both participles modify the subject, children. All present participles end in -ing. The past participles of all regular verbs end in -ed. Irregular verbs, however, have various past participle endings- for instance, thrown,  ridden, built, and gone. A participial phrase is made up of a participle and its modifiers. A participle may be followed by an object, an adverb, a prepositional phrase, an adverb clause, or any combination of these. For example, in the following sentence the participial phrase consists of a present participle (holding), an object (the torch), and an adverb (steadily): Holding the torch steadily, Jenny approached the monster. In the next sentence, the participial phrase consists of a present participle (making), an object (a great ring), and a prepositional phrase (of white light): Jenny waved the torch over her head, making a great ring of white light. What Are Gerunds? A gerund is a verb form ending in -ing that functions in a sentence as a noun. Although both the present participle and the gerund are formed by adding -ing to a verb, the participle does the job of an adjective while the gerund does the job of a noun. Compare the verbals in these two sentences: The children, crying and exhausted, were guided out of the collapsed house.Crying will not get you anywhere. Whereas the participle crying modifies the subject in the first sentence, the gerund crying is the subject of the second sentence. What Are Infinitives? An infinitive is a verb form- often preceded by the  particle  to- that can function as a noun, an adjective, or an adverb. Compare the verbals in these two sentences: I dont like crying in public unless Im getting paid for it.I dont like to cry in public unless Im getting paid for it. In the first sentence, the gerund crying serves as the direct object. In the second sentence, the infinitive to cry performs the same function. Exercise: Identifying Verbals For each of the following sentences, decide if the word or phrase in italics is a participle, a gerund, or an infinitive. The childrens singing and laughing woke me up.Jenny likes to dance in the rain.There are many ways of breaking a heart.A broken heart will mend over time.Happiness is having a large, loving, caring, close-knit family in another city. - George BurnsI believe that laughing is the best calorie burner.I dont want to achieve immortality through my work. I want to achieve it through not dying. - Woody AllenI dont want to achieve immortality through my work. I want to achieve it through not dying. - Woody AllenIt is not enough to succeed. Others must fail. - Gore VidalSucceeding is not enough. Others must fail. Answer Key Gerund: In this sentence, the words  singing  and  laughing function as nouns, making them gerunds.Infinitive: You can tell that  to dance  is an infinitive because to precedes the word dance.  Gerund: The verbal  breaking  serves as a noun. It is also the object of the preposition  of.(Past) participle: Implied in this sentence is the verbal phrase, that  has been  preceding the verbal,  broken, making it a past participle, which indicates something that happened and was completed in the past.(Present) participles:  Loving and caring  are actions that are occurring in the present, making these verbals present participles.Gerund:  Laughing  is a noun making it a gerund.Infinitives: The verbal to achieve, in both cases, is an infinitive because its a verb preceded by  to.Gerund:  Dying  is used as a noun in the sentence.Infinitive:  To succeed  is an infinitive- a verb preceded by  to.Gerund:  Succeeding  is a noun here; indeed, it is th e subject of the first sentence, making it a gerund.

Franklin D. Roosevelt Essays (1030 words) - The Holocaust In Germany

Franklin D. Roosevelt Essays (1030 words) - The Holocaust In Germany Franklin D. Roosevelt In 1929, President Herbert Hoover declared, with confidence, that, "We in America today is nearer to the final triumph over poverty than ever before in the history of any land."1 The decade of the 1920s was one of unbounded prosperity and optimism. The stock market was up, credit buying was at an all-time high; cars, radio, television and jazz were popular. All this brought major changes to the American way of life. Then, without warning, the stock market crashes. The 29th day of October marked the end of the Jazz Age and the beginning of the Great Depression. Industrial and farm production dropped rapidly and unemployment rose from 4 million to 8 million to 12 million between 1930 and 1932! The jobless lived as drifters in small cities of tin huts known as "Hoovervilles." Banks closed down as everyone withdrew all of their money out of fear of losing it. People were in bread lines that spanned many blocks while once successful businessmen sold fruit on street corners. The systems had failed and the people lost trust in their government. A cold March day brought on the close of every bank at noon. All the president had to say was, "We are at the end of our string."2 In March of 1933, the people decided to elect a 51-year old man named Franklin Delanor Roosevelt. He had assured the people he had a way to fight the depression that had engulfed the country, he brought them "The New Deal." Making good on his pledge for action, FDR enacted the first phase of his plan which included getting the banks back on their feet and fixing the economic and social disaster created by the crash. He gave jobs to the unemployed through the Public Works and Works Progress Administrations. And the National Recovery and Agricultural Adjustment Administrations were used to reopen businesses and put farmers back into production. To the American people, he truly gave them "a New Deal." On the other hand, when the German economy collapsed in the beginning of the 1930s, people began to see Hitler's propositions with a more open mind. The depression spread through the country as inflation, which was created by wiping out savings, had thrown many of the middle classes down into the poverty level. Many civil servants and small shopkeepers were swindled out of their life's savings by clever, fast-talking salesmen. These people were the ones looking to Hitler for salvation from their problems. Hitler ascribed all of the present suffering to the Jews. He propagated that the Russian Jews were responsible for the corruption in the government, Western Jews were responsible for the inflation and the German Jews were profiting from all of the suffering. 'The Jews are our misfortune,' was a common cry in the German National Socialist Workers' Party. In January of 1933, Adolf Hitler was appointed to the position of Chancellor by President von Hindenberg in hopes of recreating their crippled economy. By July he had reconstructed the government to his liking, sending any opponents to concentration camps. He created the Enabling Act, which gave him unlimited dictatorial power, in March. In August of 1934, von Hindenberg passed away and Hitler announced his own presidency for life. In the early days of Hitler's regime, he relied on the industrialists and on their political representatives, the German National Party. Soon enough, though, Hitler began to ignore what the German National Party had to say and then finally expelled them completely from the government. There was on room for Hitler in Hitler's new state. With the new government came a strong need for military rearmament, which, in turn, eliminated nearly all unemployment as the industry exploded. The liquidating of Jewish businesses allowed non-Jewish companies to prosper greatly. He eventually eliminated all of his enemies, sent all Jews to concentration camps and then led Germany into World War II. In the 1930s, these two political leaders, Adolf Hitler and Franklin D. Roosevelt, were each facing the same economic crises at the same time. Although both of the leaders spoke to their people about saving the country from economic disaster, we can see the contrast in their actions and the prosperity of their countries. If the two leaders' roles were

The Impact of Advertising on Consumer Behavior Dissertation

The Impact of Advertising on Consumer Behavior - Dissertation Example Advertising requires a high level of competence in order for the advert to have an impact on consumer behavior (Murray, 1973, p. 156). In order to impact on the consumption behavior of the market, the management has to come up with appropriate strategies that will take care of customer interests and desires an aspect that will convince target consumers to shift towards the product. The drafting of the message to be used, selecting the budget, media to be used in spreading the message and the actual advertising plays a crucial role in determining peoples response towards the message. All these factors should, therefore, be taken care of in order to ensure that message has an impact on the target consumer (Armstrong & Kotler, 2011, p. 167). The use of visual aids or pictures has increased over the last few decades. Unluckily, availability of a marketing or consumer hypothesis to explain on the forms of pictorial gambits presented in promotion (Malkewitz et al, 2003, p. 13). This resear ch will employ an empurpled strategy to understanding and organizing the advertising pictures (McQuarrie and Mick, 1996, p. 427). We will make several assumptions in this research. First, we will assume that the marketers choose the pictures from a palate; secondly, pictorial factors can be associated with consumer reactions. Thirdly, we will assume that the palette has an inner composition which aids in indicating the effects that each pictorial factor will bring to the consumers.  

Obama Housing Refinance Proposal and Program Essay

Obama Housing Refinance Proposal and Program - Essay Example According to the research findings it can therefore be said that President Obama announced a new plan to help struggling homeowners who are current on their mortgages, but underwater by refinancing. Mortgage rates are currently at historical lows and Obama would like to make refinancing into these historic rates available to more homeowners across the country. Obama anticipates providing relief to about 3.5 million people with underwater mortgages. Obama expect the average homeowner to save roughly $300-$500 a month by refinancing into these new low rates. He explained that refinancing would help free up additional money for consumers, therefore helping to stimulate the economy. Obama faces stiff opposition from Republicans in Congress on his refinancing plan, which must first pass congress. United States is known as the ‘land of opportunities’ and people from all over the world come to the country in hope of a better future. But this land of opportunities is facing some serious crisis lately. The financial crisis of 2008 has hit the country badly and has affected the majority of the population. Approximately 11 million people are suffering from serious financial watershed and they cannot even afford a proper shelter to live in. The reason for these problems in the United States and the attempts that American President Barack Obama made to ease the issues of the citizens will be discussed in this paper. The residents of the United States were mortgaged in large numbers and therefore the collapse of the housing market forced many people out on the streets. The homeowners were to pay off the amount of money that was worth more than their houses which was due to the decrease in property rates all over the country. This is where the decision maker Obama stepped in. He decided to revise the Housing Refinance Proposal that would bring out the homeowners from their misery. Previous Financing Policies The United States government is well known for their ex tra ordinary Housing Finance Policies. The housing policies of the country are considered as standards for the less developed countries. Let’s discuss briefly about the previous Financing Policies that were implemented by the United States government. The United States Housing Policy allowed residents to have tax deductable interest payments. This practice is unique because a certain amount of tax is always applied on the interest payments for loans in different parts of the world (Barth, et. al.178). The deduction of tax meant a great assistance for the house owners of the country. Furthermore, the United States government also set up an organization that would be responsible for providing securities to the loan borrowers. The organization was named as the Federal Housing Administration and the FHA was there to handle the security issues. Therefore no one was denied a loan because of absence of security or collateral. Unfortunately the policies that were devised by the US go vernment did not work even though they contained some points that were exemplary for the rest of the world. The Housing Policy of the US failed dramatically because every other person was given loans that they couldn’t afford. The assumption behind the policies was that property prices will continue to increase in future. The reason behind the failure was also the benefits provided to the borrowers. Giving loans without proper collaterals was a big mistake of US administration. Issues of the existing policies and poverty of people The policies that were set up by the US government were for the prosperity of the homeowners. US being a democratic nation, prevailing policies were not appreciated by all. Many banks austerely protested against the deduction of tax. According to their point of view, excluding the tax would not be fruitful for the banks in the long run. Also the numbers of the customers getting loans certainly increased as a result of these policies. This resulted i n more