Factors That Affect Customer Choice Of A Bank Finance Essay - Free Essay Example

Sample details Pages: 12 Words: 3470 Downloads: 10 Date added: 2017/06/26 Category Finance Essay Type Argumentative essay Did you like this example? Introduction of banks: For the past three decades Indias banking system has several outstanding achievements to its credit. The most striking is its extensive reach. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the remote corners of the country. This is one of the main reason of Indias growth process. The governments regular policy for Indian bank since 1969 has paid rich dividends with the nationalisation of 14 major private banks of India. Don’t waste time! Our writers will create an original "Factors That Affect Customer Choice Of A Bank Finance Essay" essay for you Create order Not long ago, an account holder had to wait for hours at the bank counters for getting a draft or for withdrawing his own money. Today, he has a choice. Gone are days when the most efficient bank transferred money from one branch to other in two days. Now it is simple as instant messaging or dial a pizza. Money have become the order of the day. The first bank in India, though conservative, was established in 1786. From 1786 till today, the journey of Indian Banking System can be segregated into three distinct phases. They are as mentioned below: Early phase from 1786 to 1969 of Indian Banks Nationalisation of Indian Banks and up to 1991 prior to Indian banking sector Reforms. New phase of Indian Banking System with the advent of Indian Financial Banking Sector Reforms after 1991. To make this write-up more explanatory, I prefix the scenario as Phase I, Phase II and Phase III. Phase I The General Bank of India was set up in the year 1786. Next came Bank of Hindustan and Bengal Bank. The East India Company established Bank of Bengal (1809), Bank of Bombay (1840) and Bank of Madras (1843) as independent units and called it Presidency Banks. These three banks were amalgamated in 1920 and Imperial Bank of India was established which started as private shareholders banks, mostly Europeans shareholders. In 1865 Allahabad Bank was established and first time exclusively by Indians, Punjab National Bank Ltd. was set up in 1894 with headquarters at Lahore. Between 1906 and 1913, Bank of India, Central Bank of India, Bank of Baroda, Canara Bank, Indian Bank, and Bank of Mysore were set up. Reserve Bank of India came in 1935. During the first phase the growth was very slow and banks also experienced periodic failures between 1913 and 1948. There were approximately 1100 banks, mostly small. To streamline the functioning and activities of commercial banks, the Government of India came up with The Banking Companies Act, 1949 which was later changed to Banking Regulation Act 1949 as per amending Act of 1965 (Act No. 23 of 1965). Reserve Bank of India was vested with extensive powers for the supervision of banking in india as the Central Banking Authority. During those days public has lesser confidence in the banks. As an aftermath deposit mobilisation was slow. Abreast of it the savings bank facility provided by the Postal department was comparatively safer. Moreover, funds were largely given to traders. Phase II Government took major steps in this Indian Banking Sector Reform after independence. In 1955, it nationalised Imperial Bank of India with extensive banking facilities on a large scale specially in rural and semi-urban areas. It formed State Bank of india to act as the principal agent of RBI and to handle banking transactions of the Union and State Governments all over the country. Seven banks forming subsidiary of State Bank of India was nationalised in 1960 on 19th July, 1969, major process of nationalisation was carried out. It was the effort of the then Prime Minister of India, Mrs. Indira Gandhi. 14 major commercial banks in the country was nationalised. Second phase of nationalisation Indian Banking Sector Reform was carried out in 1980 with seven more banks. This step brought 80% of the banking segment in India under Government ownership. The following are the steps taken by the Government of India to Regulate Banking Institutions in the Country: 1949 : Enactment of Banking Regulation Act. 1955 : Nationalisation of State Bank of India. 1959 : Nationalisation of SBI subsidiaries. 1961 : Insurance cover extended to deposits. 1969 : Nationalisation of 14 major banks. 1971 : Creation of credit guarantee corporation. 1975 : Creation of regional rural banks. 1980 : Nationalisation of seven banks with deposits over 200 crore. After the nationalisation of banks, the branches of the public sector bank India rose to approximately 800% in deposits and advances took a huge jump by 11,000%. Banking in the sunshine of Government ownership gave the public implicit faith and immense confidence about the sustainability of these institutions. Phase III This phase has introduced many more products and facilities in the banking sector in its reforms measure. In 1991, under the chairmanship of M Narasimham, a committee was set up by his name which worked for the liberalisation of banking practices. The country is flooded with foreign banks and their ATM stations. Efforts are being put to give a satisfactory service to customers. Phone banking and net banking is introduced. The entire system became more convenient and swift. Time is given more importance than money. The financial system of India has shown a great deal of resilience. It is sheltered from any crisis triggered by any external macroeconomics shock as other East Asian Countries suffered. This is all due to a flexible exchange rate regime, the foreign reserves are high, the capital account is not yet fully convertible, and banks and their customers have limited foreign exchange exposure. History of financial services In the United States The term financial services became more prevalent in the United States partly as a result of the Gramm-Leach-Bliley Act of the late 1990s, which enabled different types of companies operating in the U.S. financial services industry at that time to merge. Companies usually have two distinct approaches to this new type of business. One approach would be a bank which simply buys an insurance company or an investment bank, keeps the original brands of the acquired firm, and adds the acquisition to its holding company simply to diversify its earnings. Outside the U.S. (e.g., in Japan), non-financial services companies are permitted within the holding company. In this scenario, each company still looks independent, and has its own customers, etc. In the other style, a bank would simply create its own brokerage division or insurance division and attempt to sell those products to its own existing customers, with incentives for combining all things with one company. Banks A commercial bank is what is commonly referred to as simply a bank. The term commercial is used to distinguish it from an investment bank, a type of financial services entity which, instead of lending money directly to a business, helps businesses raise money from other firms in the form of bonds (debt) or stock (equity). Banking services The primary operations of banks include: Keeping money safe while also allowing withdrawals when needed Issuance of checkbooks so that bills can be paid and other kinds of payments can be delivered by post Provide personal loans, commercial loans, and mortgage loans (typically loans to purchase a home, property or business) Issuance of credit cards and processing of credit card transactions and billing Issuance of debit cards for use as a substitute for checks Allow financial transactions at branches or by using Automatic Teller Machines (ATMs) Provide wire transfers of funds and Electronic fund transfers between banks Facilitation of standing orders and direct debits, so payments for bills can be made automatically Provide overdraft agreements for the temporary advancement of the Banks own money to meet monthly spending commitments of a customer in their current account. Provide Charge card advances of the Banks own money for customers wishing to settle credit advances monthly. Provide a check guaranteed by the Bank itself and prepaid by the customer, such as a cashiers check or certified check. Notary service for financial and other documents Other types of bank services Private banking Private banks provide banking services exclusively to high net worth individuals. Many financial services firms require a person or family to have a certain minimum net worth to qualify for private banking services. Private banks often provide more personal services, such as wealth management and tax planning, than normal retail banks. Capital market bank bank that underwrite debt and equity, assist company deals (advisory services, underwriting and advisory fees), and restructure debt into structured finance products. Bank cards include both credit cards and debit cards. Bank Of America is the largest issuer of bank cards. Credit card machine services and networks Companies which provide credit card machine and payment networks call themselves merchant card providers. Foreign exchange services Foreign exchange services are provided by many banks around the world. Foreign exchange services include: Currency Exchange where clients can purchase and sell foreign currency banknotes. Wire transfer where clients can send funds to international banks abroad. Foreign Currency Banking banking transactions are done in foreign currency. Investment services Asset management the term usually given to describe companies which run collective investment funds. Hedge fund management Hedge funds often employ the services of prime brokerage divisions at major investment banks to execute their trades. Custody services the safe-keeping and processing of the worlds securities trades and servicing the associated portfolios. Assets under custody in the world are approximately $100 trillion. Insurance Insurance brokerage Insurance brokers shop for insurance (generally corporate property and casualty insurance) on behalf of customers. Recently a number of websites have been created to give consumers basic price comparisons for services such as insurance, causing controversy within the industry. Insurance underwriting Personal lines insurance underwriters actually underwrite insurance for individuals, a service still offered primarily through agents, insurance brokers, and stock brokers. Underwriters may also offer similar commercial lines of coverage for businesses. Activities include insurance and annuities, life insurance, retirement insurance, health insurance, and property casualty insurance. Reinsurance Reinsurance is insurance sold to insurers themselves, to protect them from catastrophic losses. Other financial services Intermediation or advisory services These services involve stock brokers (private client services) and discount brokers. Stock brokers assist investors in buying or selling shares. Primarily internet-based companies are often referred to as discount brokerages, although many now have branch offices to assist clients. These brokerages primarily target individual investors. Full service and private client firms primarily assist and execute trades for clients with large amounts of capital to invest, such as large companies, wealthy individuals, and investment management funds. Private equity Private equity funds are typically closed-end funds, which usually take controlling equity stakes in businesses that are either private, or taken private once acquired. Private equity funds often use leveraged buyouts (LBOs) to acquire the firms in which they invest. The most successful private equity funds can generate returns significantly higher than provided by the equity markets Venture capital is a type of private equity capital typically provided by professional, outside investors to new, high-potential-growth companies in the interest of taking the company to an IPO or trade sale of the business. Angel investment An angel investor or angel (known as a business angel or informal investor in Europe), is an affluent individual who provides capital for a business start-up, usually in exchange for convertible debt or ownership equity. A small but increasing number of angel investors organize themselves into angel groups or angel networks to share research and pool their investment capital. Conglomerates A financial services conglomerate is a financial services firm that is active in more than one sector of the financial services market e.g. life insurance, general insurance, health insurance, asset management, retail banking, wholesale banking, investment banking, etc. A key rationale for the existence of such businesses is the existence of diversification benefits that are present when different types of businesses are aggregated i.e. bad things dont always happen at the same time. As a consequence, economic capital for a conglomerate is usually substantially less than economic capital is for the sum of its parts. OVERVIEW OF BANKS: All over the world, there is a shift in the economy from the manufacturing to the service sector. The contribution of banking to the service economy is duly recognized. Banking industry includes a number of businesses such as corporate banking, investment banking, wealth management, capital market etc. Retail banking is another segment of the banking industry. It is a typical mass-market banking characterized by a large customer base and a large volume of transactions. There is a high level of cooperation between banks, retailers, customers and consumers in this segment. Retail banks offer services like account opening, credit card, debit card, ATM, internet banking, phone banking, insurance, investment, stock broking and so on. The retail banking industry is facing a very stiff competition and current scenario is that of the survival of the fittest. All the banks are trying to increase their customer base and are developing their own strategies to be in the market. Product differentiation along with the application of technology for creating an optimum transaction model is one of the strategies employed by retail banks. The present day customers are technology savvy and they are more exposed to various kinds of goods and services. With globalization, the consumers are more aware of what type of services they get and from where. This has led to customer-demand-driven services to be offered by various service providers. Retail banks too have to design their products in such a way that customers are satisfied and that they return to the same bank for their services. In simple terms, customer retention is becoming the greatest challenge for retail banks. But the most challenges for banks is how banks attract their customers and what factor affect customer choice of a bank:ÂÂ   The various factors that affect the choice of customer in choosing a bank namely: ATM facility, Friendliness of employee, Debit card facility, Loan facility, Parking facility, Speed of services, Loyalty program, Internet banking facility, Rate of Interest, Bank timing, Convenient display of counters, Free home delivery of Drafts, Phone banking facility, Minimum account balance, Bank charges, Overdraft facility, Brand name, Close to where you live or work, Security arrangement, Locker facility, De-mat Facility, Referral from friend and relatives, Computerization of the bank, Continuous flow of information from bank and Simple application for all transactions. There are many other factors that affect the choice of customers in choosing the banks. The 14 different factors that could be identified, approximately in the order of their importance, are (1) Safety of Deposits, (2) Size and Strength, (3) Accuracy, (4) General Service Quality, (5) Speed of Delivery, (6) Proximity, (7) Security of Environment, (8) Cordiality of Staff, (9) Price and Service Charges, (10) Product Packaging, (11) General Public Impression, (12) Peer Group Impression, (13) Friendship with Staff and (14) Advertisement and Publicity. There are many factors who affect customer choice of bank. There are no of other factors also affect the customer choice of a bank which have also increased in importance are the offering of incentives, having a wide product range and economic factors, such as interest rate paid and fees and charges levied. Location factors, such as choosing a bank close to home or work place, have decreased significantly in importance in motivating choice. Certain criteria have remained broadly constant through time, amongst them, and perhaps surprisingly, are choosing on the basis of a banks image and reputation and expectations about level of service. Safety of Deposits: Depositors are the major stakeholders of the Banking System. Firstly a customer when he think about to open account in any bank then first question come in his mind is safety of deposits. His cash save or not in that bank in which he keep the amount. Reliability: It is the most vital factor, which explains of the variation. Reliability factors such as employees in the bank are friendly and courteous .Parking facility, Loyalty Program, good brand name of the bank, security arrangement with the bank and low bank has low bank charges emerge with good positive correlations. This yields a great influence while choosing a banking service. Convenience: There are four loads to this factor. The factor Convenience is the second important factor, which accounts for nearly of the variations. The factors parking facility with the bank free delivery of demand draft Phone banking and free home cash delivery signifies that consumers want convenience in banking and they want to save time. Assurance: There are three significant variables with a variation of and these factors are speedy services bank provide good rate of interest zero balance account facility depicts that the students want assurance of the services from the bank. Value Added Services: This factor has the two significant variables, which has 7.36% of the variation, and this comprises of depicting the value added services required by the consumers. The factor representing debit card facility, loan facility and loyalty programs respectively show value added services are also a significant factor in choosing a bank. Accessibility: The next important factor, which comprises of four loadings, ATM facility, debit card facility speed in services and internet banking signifies that easy accessibility to their bank accounts is vital factor in choosing a bank. Responsiveness: Responsiveness is the next factor, which influences a consumer in choosing a bank. This factor has two loading namely the employees in the bank are friendly and courteous and convenient display of counters. Location: when choosing a location for a branch, each bank takes various factors into account, such as the level of income, branch functions, competition, land value, growth potential, and the number of financial institutions. Also, from the methodological perspective, each bank employs. and develops various mathematical models or continuously strives to apply new methods. The recent introduction of Geographic Information System (GIS) can be viewed as an extension of such trend. Bank image: The customers were found to form an image of a bank from various information sources, and such formed image had a significant influence on the profitability of the bank. Branch image, level of service, value of products, and the building should be considered in the evaluation of a banks profitability. Quality: customer perceptions and preferences of service quality have a Significant impact on a banks success Service quality has received much attention because of its obvious relationship with costs, financial performance, customer satisfaction, and customer retention. Acceptability: The point of acceptance in case of cheques, RTGS, NEFT and ECS would be the bank branches providing these facilities. While cheques are accepted at all bank branches in the country, extending the availability of NEFT and RTGS depend upon the technological level of the banks. While the reach of payment systems like RTGS and NEFT has expanded to cover more and more bank branches, their further expansion is limited by the presence of bank branches. Level of Technology: The level of technological adoption in the banks would also decide the level of promotion of new payment products by banks. Banks which have implemented Core Banking Solutions are observed have provided the customers multiple delivery channels like ATMs, internet banking and mobile banking systems for initiation and receipt of payments. Substantial usage of new payment instruments are observed in these banks. These banks have also recorded cost savings from the migration of payments to electronic modes from the traditional cash and cheques. Customer Service: The customer service is the main stepping-stone of any service industry. The payment systems are no exception to this. Customer services include (1) service level at the point of service (2) information dissemination and (3) grievance redressal. For gaining the confidence of a customer it is necessary that the service providers address these issues adequately. Service Charges: Services charge constitute the charge levied by banks on their customers who avail payment services. Since 1999, when the practice of Indian Banks Association (IBA) fixing the benchmark service charges (which IBA had started prescribing from 1994) on behalf of the member banks was discontinued, the decision to prescribe the service charges was left to the discrete on of the Boards of individual banks. Banks were then advised that, they should ensure that the service charges were reasonable and were not out of line with the average cost of providing the services and the customers with low volume of activities were not penalized. Presently the Reserve Bank has prescribed the levying of service charges only for cheque clearing operations. An amount of Rs.2/- is collected per paper instrument (Re.1/- each to be collected from the collecting and paying bank) cleared by the MICR Cheque Processing Centers. In case the paper instruments are processed manually, the clearing houses are required to add up all the expenditure incurred and then recover them from the members (banks) of the respective clearing houses. The levying of cheque collection and electronic payment processing charges by banks from customers is left to the respective banks. But it was observed that instead of prescribing judicious charges a number of banks levy heavy fees for the use of electronic payment systems like RTGS / NEFT/ ECS systems.

Personal Narrative A Year Passes Essay - 1734 Words

A year passes. There comes July, my vacation time. As usual, I go home, to Odessa. To see my family, to jump into the warm waves of the Black Sea, to catch up with my old, both high-school and college, friends. This time, I decide not to fly home but take a train. I need time to collect my thoughts. It’s a thousand miles journey; it’ll takes full twenty four hours. But I’m hardly going to be bored. There s a lot on my plate to mull over. I need time to be mentally prepared to face my loved ones now when I’ve ventured on a new path in my life. During my stay, especially challenging is going to be the end of July. ÐÅ"ama will throw a birthday party for my cousin Eva, and I’ll be facing all members of our extending family. From the day her younger sister, Clara, died a few years ago, my mother has taken care of her niece, as if she were her own dear daughter. To celebrate Eva’s day, as usual, besides Big Abram, Eva’s father, and Littl e Abram, mama’s brother with his wife and children, she’ll invite every other of our relatives residing in Odessa. And, of course, my father’s friend Marshak, who usually comes with his wife and his son Mark, a teenager†¦ Our living room, which at night turns into my parents’ bedroom, is going to be packed with the guests. They all will take seats around the expanded dinner table, to which mama will also attach our kitchen table. Since we don’t have enough chairs for everybody, from a small lumber-room, which Papa with UncleShow MoreRelatedAnalysis Of Oliver Sackss The Lost Mariner732 Words   |  3 Pages[his] disease’† (36). Through â€Å"The Lost Mariner†, Sacks depicts personal narrative as a necessity for a complete existence. 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Individualized Physical Activity Intervention

Question: Discuss about the Individualized Physical Activity Intervention. Answer: Introduction: Randomization of treatments- In randomized controlled trial, participants are assigned to a treatment conditions at random and the unique factor is the type of intervention they receive. Moyle et al. (2014, pp.856-864) also conducted the research by randomization. Participants were randomized by a computer program to hide the allocation detail of participants. On that basis, the intervention groups received 10 min of foot massage and the control group received quiet presence. In RCT, the process are controlled to ensure that participants receive the same treatment unique to their group and same was observed in this study as block randomization was done to maximize the equality of the intervention and the control groups (Bothwell Podolsky 2016, pp.501-504). Accountability of patients- Moyle et al. (2014, pp.856-864) had analyzed the data collected from participants who received at least one treatment. 2-tailed test help to determine whether the impact of group was high in mood and agitation in dementia patient was higher in the control group or the intervention group. Detail about group- While conducting RCT studies, baseline imbalance often arise. Hence, it is necessary for the researcher to ensure that both intervention and control groups are equal at baseline. This means factors such as age, sex, class, education and fitness in both groups should not have an effect on the outcome (Singh et al. 2017). Moyle et al. (2014, pp.856-864) maintained the baseline balance in participants by means of recruiting participant on the basis of inclusion criteria. This included participant above the age of 65 years with moderate to last stage of dementia. They must be living in long term care, should have a history of agitation and Mini Mental State Examination (MMSE) should be less than 18. This inclusion strategy enhances the credibility of the study as participants particularly with agitation symptoms were selected for the trial. It would help greatly in generalization of the study. Treatment of groups- Treatment of groups equally in RCTs implies whether researcher has addressed the factors that might influence the performance of one group over the other. The review of the article reveals Moyle et al. (2014, pp.856-864) has considered this aspect during the sample recruitment stage. This is reflected by the exclusion process. Participant who had serious illness that might affect the foot anatomy and pain were not taken. If such participant would have been taken, the purpose of the study would not have been effectively fulfilled. During the intervention process also, the timing of intervention was considered important as dementia patients mainly develop restlessness in the afternoon. Hence, with this consideration, afternoon time was chosen for providing the intervention (Spector et al. 2016, pp.1055-1062). Effect of treatment- The reliability and credibility of a research study is understood by the treatment of outcomes and comparison of groups to develop a mean outcome. This reflect the rigour of research and the focus of the researcher to make the results reliable (Altman, D.G., 2015). In case of RCT trial for comparing impact of foot massage and quiet place on dementia patient, outcome measures of patient was assessed by means of Cohen-Mansfield Agitation Inventory (CMAI) Short Form and the Observed Emotion Rating Scale (OERS). The first was used to assess agitation and the latter was used to assess moods in both group post-intervention. No baseline imbalance was also observed as both CMAI and OERS had no difference at baseline between both groups. The mean and standard deviation of change score was developed by means of one-way ANOVAs (Moyle et al. 2014, pp.856-864). Estimate of treatment effect- The review of the results of the RCT study depicts no difference in group in baseline in terms of factors of age, gender, time and medications. The study findings revealed mean total CMAI increase in both groups but increase in verbal aggression was more in quiet presence (control) group. There was large observed variability between the groups which indicates that the there might be certain uncertainty which may have an impact on the accuracy of the result (Moyle et al. 2014, pp.856-864). However, still the result is reliable because variations were seen in acceptability of massage due to individual variation and not by the difference in tolerating the intervention. The treatment of intervention (foot massage) in the RCT trial finally proved that it cannot be utilized as a non-pharmacological intervention for dementia patients because foot massage die not lead to a long-term improvement in agitation and mood of patients (Schmidt Hunter 2014). Application of results- The RCT trial on dementia patient was considered important because over 90% of them experience behavioral and psychological symptoms of aggression, anxiety and depression during the progression of the disease. These symptoms increase the suffering of not just the patient but also their family members. Moyle et al. (2014, pp.856-864) wanted to analyze the efficacy of foot massage as an intervention for reducing mood disorder because of high prevalence of side-effects in anti-psychotic medications. Hence, there is an increased attention to designing non-pharmacological intervention that leads to a relaxation response in patients. Foot massage was considered as a relaxing intervention for dementia patient by the researcher as it would lead to calming sensation by the production of oxytocin (Kapoor Orr 2017). The study fining showed little improvement in mood due to foot massage and it was inconsistent with other research findings. There is an indication of unfam iliar treatment staff that might have affected the result. However, reduction in alertness was seen in patients and this can contribute to future research when investigating mood in response to certain episodes of aggression (Moyle et al. 2014, pp.856-864). Therefore, this research article does not provide strong support regarding the benefit of foot massage as an intervention for dementia patient. However, more rigorous research into factors promoting relaxation in foot massage may lead to a positive application in dementia patient. Consideration of clinically important outcomes- The researcher has tried to maintain the rigour of the study by focusing on factors that might affect the result. For instance, there was no difference in baseline data of both groups. Other confounding variables were also considered such as timing of intervention to maximize the efficacy of the outcome. However, still the study has certain limitations. This includes the unfamiliarity of the participants with massage assistant and this might have had an impact on the outcome. Hence, if the researcher has paid attention to factors that enhance relaxation during the foot massage, the outcome would have been better. It can be clinically applied once the research approach is more rigorous to identify all relevant factors affecting results. Benefits of the trial- Despite certain limitations in the study, the benefits of the RCT study is the manner in which the case analysis was conducted. This reduced any kind of selection bias and helped in increasing the generalizability of the results. Though, complete benefit from foot massage was not seen, however still certain positive symptoms were observed in participants. For example, their alertness level decreased increasing the probability of relaxation during the intervention. The foot massage participants were less alert compared to the quiet presence participants groups. Hence, such symptoms will dementia patient to become calm while receiving the foot massage. In randomized controlled studies, treatment effect is determined by the primary and secondary outcome measures of the study. The review of the randomized controlled tust on impact of physical activity intervention on family care givers of dementia patient reflects ways to analyse the treatment effects. In this case, primary outcome measures include mental status of participant which was evaluated by means of mini mental state examination score and the standardized tool to measure perceived burden, depressive symptoms and positive effects (Farran et al. 2016). Hence, depending on different objectives of research, it would be interesting to know how researchers validate the treatment effect if variability in the study is high. The justification of the above question is given by considering lot of outcomes of the intervention in relation to its impact on the patient or caregiver selected for the study. For example, in a research study where the aim was to reduce cardiovascular disease risk in patients with bipolar disorder through Life Goals Collaborative Care (LGCC), the clinical importance of the outcome was determined by self management outcomes such as changes in blood pressure and changes in physical health related quality of life (Kilbourne et al. 2013). It would be necessary to research the other ways that can enhance the clinical reliability of the intervention studied in RCT. Reference Altman, DG 2015, Clinical trials: Subgroup analyses in randomized trials [mdash] more rigour needed,Nature Reviews Clinical Oncology,12(9), pp.506-507. Bothwell, LE Podolsky, SH 2016, The emergence of the randomized, controlled trial, New England Journal of Medicine,375(6), pp.501-504. Kapoor, Y Orr, R 2017, Effect of therapeutic massage on pain in patients with dementia,Dementia,16(1), pp.119-125. Karanicolas, PJ 2010, Practical tips for surgical research: blinding: who, what, when, why, how?, Canadian journal of surgery,53(5), p.345. Moyle, W Cooke, ML Beattie, E Shum, DH ODwyer, ST Barrett, S 2014, Foot massage versus quiet presence on agitation and mood in people with dementia: A randomised controlled trial, International journal of nursing studies,51(6), pp.856-864. Schmidt, FL Hunter, JE 2014, Methods of meta-analysis: Correcting error and bias in research findings. Sage publications. Singh, S Sao, A Nagare, TB Dharmarajan, A 2017, Role of Social Media Marketing In Brand Building: The New Age Marketing Strategy, International Journal of Scientific Research,5(9). Spector, A Orrell, M Charlesworth, G Marston, L 2016, Factors influencing the personcarer relationship in people with anxiety and dementia Aging mental health,20(10), pp.1055-1062. Farran, CJ Paun, O Cothran, F Etkin, CD Rajan, KB Eisenstein, A Navaie, M 2016, Impact of an individualized physical activity intervention on improving mental health outcomes in family caregivers of persons with dementia: A randomized controlled trial, AIMS Medical Science,3, pp.15-31. Kilbourne, AM Goodrich, DE Lai, Z Post, EP Schumacher, K Nord, KM Bramlet, M.Chermack, S Bialy, D Bauer, MS 2013, Randomized controlled trial to reduce cardiovascular disease risk for patients with bipolar disorder: the self-management addressing heart risk trial (SMAHRT), The Journal of clinical psychiatry,74(7), p.e655.

Teens problem essay Essays - Feeling, Mood, , Term Papers

Teens problem essay Style can majorly affect a teenagers mind and how they act. Style affects how others think about you. Your style can affect how you view yourself. Your style for that day can show how you feel that day. Style can affect you in many ways. Style can have an effect on how others see you. There are very few instances where your clothing doesnt matter. Even if you know how youre dressing, people may not see that style that you see. You definitely have to think about what you put on, whether its a business suit or sweat pants. People judge other people like the cover of a book and your clothes are that cover. Your style will also affect how you see yourself. Your clothes say far more than you think. Not only do your clothes say how your mood is, it also says whether youre insecure or not. Your clothes can even say how you deal with your problems whether its hiding from them or facing them head on. Dressing in nice clothes can even make you feel better about yourself. Your style will show the mood you are in. Your outfit may alter how you approach and interact with the world. If you are dressed in dark colors, it could mean that youre sad or you dont want to be talked to. If youre dressed in bright colors, it could mean that youre happy and open to being social. Choose your outfits wisely and by doing so; you can have a better day. Style can have a huge impact on a teenagers mind. A teenager can be thought about differently because of their style. Even seeing your own style can make you think differently about yourself. Your style can show or even change your mood for that day. By having a good style that suits you and your personality, you could feel important and your clothes arent always your style.

Free Essays on Clockwork Orange

A Clockwork Orange Authors who write of other times and places help us to better understand our own lives. Discuss A Clockwork Orange in terms of that statement. A â€Å"clockwork orange† can be described as something that has a convincing outer appearance yet in the inside is merely controlled by outer influences, such as a clock set in motion by its owner. In A Clockwork Orange, Anthony Burgess takes us into the future where violent criminals are forced to be â€Å"good,† and introduces us to Alex, a young teen who engages in a life of rape, ultra-violence, and Beethoven with his â€Å"droogs,† or friends, and talks in the slang language of â€Å"nadsat.† He goes through various phases in his life, evolving into a more mature level of thinking; each of these phases can be seen as clockwork orange. What makes this novel so realistic however, is how real Alex really is and how each of his phases into maturity represents a part of us. His youth is characterized as that of a rapist, practitioner of extremely violent acts, and a lover of Beethoven. These three adjectives point out what drives Alex’s actions: emotion. He follows no moral code nor does he even have one. However, he does follow his natural desire to sin, and can thus be described as a clockwork orange in that his actions are controlled by his emotion. We can clearly see how Alex’s inclination to do things that satisfy his emotion are strikingly similar to our desires to do the things that we want to do. This is the whole message behind the doctrine of original sin, where Adam’s first sin against God carried into his descendants. All humans are born with the desire to do evil, and thus we can justify Alex’s violent actions. Eventually, Alex’s friends betray him and set him up to be imprisoned, where he is conditioned to hate evil and to become sick at the mention or thought of evil, as well as the music he so used to enjoy. Alex walks out as a... Free Essays on Clockwork Orange Free Essays on Clockwork Orange A Clockwork Orange Authors who write of other times and places help us to better understand our own lives. Discuss A Clockwork Orange in terms of that statement. A â€Å"clockwork orange† can be described as something that has a convincing outer appearance yet in the inside is merely controlled by outer influences, such as a clock set in motion by its owner. In A Clockwork Orange, Anthony Burgess takes us into the future where violent criminals are forced to be â€Å"good,† and introduces us to Alex, a young teen who engages in a life of rape, ultra-violence, and Beethoven with his â€Å"droogs,† or friends, and talks in the slang language of â€Å"nadsat.† He goes through various phases in his life, evolving into a more mature level of thinking; each of these phases can be seen as clockwork orange. What makes this novel so realistic however, is how real Alex really is and how each of his phases into maturity represents a part of us. His youth is characterized as that of a rapist, practitioner of extremely violent acts, and a lover of Beethoven. These three adjectives point out what drives Alex’s actions: emotion. He follows no moral code nor does he even have one. However, he does follow his natural desire to sin, and can thus be described as a clockwork orange in that his actions are controlled by his emotion. We can clearly see how Alex’s inclination to do things that satisfy his emotion are strikingly similar to our desires to do the things that we want to do. This is the whole message behind the doctrine of original sin, where Adam’s first sin against God carried into his descendants. All humans are born with the desire to do evil, and thus we can justify Alex’s violent actions. Eventually, Alex’s friends betray him and set him up to be imprisoned, where he is conditioned to hate evil and to become sick at the mention or thought of evil, as well as the music he so used to enjoy. Alex walks out as a...

How to Make Modeling Clay Out of Flour and Oil

How to Make Modeling Clay Out of Flour and Oil There are several ways you can make homemade clay for modeling  and arts and crafts projects. The recipes below will help you make refrigerator clay, a clay that hardens when you bake it, one that you can coat for a glossy finish, and one that molds and stays pliable much like store-bought modeling clay. Homemade Modeling Clay Recipe 1 This basic clay is essentially bare-bones cooking dough, which is easy to make with ingredients in your kitchen. It is sufficient for basic modeling projects, but youll want to throw it out before it starts growing bacteria. All you need to make it is: 2 1/2 cups flour1 cup salt1 cup waterFood coloring (optional) Mix the clay ingredients together.Store the modeling clay in the refrigerator in a sealed plastic baggie or in a bowl covered with plastic wrap. Homemade Modeling Clay Recipe 2 This homemade clay uses oil and cream of tartar for thickening, producing a clay thats firmer than the one above. Its perfect for simple modeling projects, and it only requires a few ingredients: 1 cup salt2 cups flour4 tablespoons cream of tartar4 tablespoons vegetable oil2 cups waterFood coloring (optional) Stir together the dry ingredients. Mix in the oil. Mix in the water and food coloring.Cook over low heat, stirring constantly until the clay thickens and pulls away from the sides of the pot.Cool the clay before use. Store the clay in a sealed container or plastic bag. Homemade Modeling Clay Recipe 3 This recipe produces a modeling clay similar to the two above, but it uses cornstarch and baking soda rather than flour and salt: 1 cup cornstarch2 cups baking soda1 1/2 cups cold waterFood coloring (optional) Mix the ingredients together over low heat until a dough is formed.Cover the clay with a damp cloth and allow it to cool before use.Seal completed clay products with shellac. Homemade Modeling Clay Recipe 4 This recipe produces a clay with a smooth consistency similar to that of store-bought Play-Doh for kids. Air-dry products made with this clay. 3 1/2 cups flour1/2 cup of salt1 tablespoon cream of tartar2 1/2 tablespoons vegetable oil2 cups waterFood coloring (optional)Vanilla extract for scent (optional) Bring the water to a boil. Stir in the oil, food coloring, and vanilla extract. Mix the dry ingredients (flour, salt, and cream of tartar) in a bowl.Add the hot liquid to the dry ingredients a little bit at a time, stirring until you produce a pliable clay.The clay may be stored indefinitely in a sealed container at room temperature. Homemade Modeling Clay Recipe 5 This recipe can be used to make clay for ornaments, jewelry, or small sculptures. The clay hardens after baking. Pieces may be painted and sealed if desired. 4 cups flour1 cup of salt1 1/2 cups water Mix the ingredients together to form the clay.Store the clay in a sealed container until it is needed.Bake the finished pieces on a non-stick cookie sheet at 350 degrees Fahrenheit for approximately one hour or until the clay is slightly brown around the edges. Cool the baked clay items on a wire rack before handling them or painting them.

Practical School Community partnerships leading. To Successful Article

Practical School Community partnerships leading. To Successful educational Leaders - Article Example Achieving common goals, fostering educational attainment/achievement, and reform are among the achievements (Chen, 2010). This will also validate an understanding of community-school partnership leading to adjustment of the future leadership system so as to enhance growth. The article is essential in enhancing the knowledge and skills acquired in the classroom setting. The idea and concept behind school community partnership is to appraise student’s performance over time due to effective and efficient education leadership. Hence, it is great and vital potential for preparing future educational leaders. The community is an integral and essential section of the institution. In this partnership, the school and community tend to share responsibility for childrens learning. The partnership is based on acknowledgment of sharing resources and expertise of each party(Kladifko, 2013). The community should be incorporated in the school process because the activities done in the school impacts directly on the societies. They have a responsibility of fundamental significance in assisting in the nurturing and growth of the students. These will in-turn assist students to explore their maximum potential and attain good grades. It will minimize conflict and enhance activities that will assist in proper functioning of the school. As an extension and enhancement of this partnership, education leaders should emphasize a wide base of community involvement in school activities. System leaders should endeavor involved in implementation and development of strategies that promote school-family-community partnerships. System leaders and school PTA should involve the society in setting direction for the school. In my understanding, education system leaders should be well equipped with qualities and attributes that will assist them to set clear sense of direction for influencing and impacting individuals. System leaders should drive the community and school fraternity to share an

An empirical study on how international projects differ from standard Research Paper

An empirical study on how international projects differ from standard projects - Research Paper Example Notwithstanding the popularity of the said issues, studies show that they have met a number of disasters. In fact, only a small percentage of the same has relatively succeeded. It, is however, also argued that there are still a number of failures and problems that are associated with project management (Perkins 1999). In this regard, policy analysts have recommended the application of radical change in project management in the hopes of ensuring the success of international project (Cleveland and Ireland 2007). Moreover, it was also discovered that there is also a need to incorporate modern techniques that are deemed appropriate international projects (Zajda 2005; Grisham 2009). Lientz and Rea (2003) mention the following factors as those which contribute to the complexity of international projects which must be dealt with to guarantee its success: â€Å"(1) cultural and social differences existing amongst the members of the firms, (2) cultural and social differences amongst countri es and within countries, (3) languages and dialect variations, (4) religious practices, (5) legal, regulatory and reporting requirements, (6) technology and level differences in different areas, (7) infrastructure variations, and lastly, (8) time zone differences. Undoubtedly, the presence of the said factors contributes to the existence of the differences between the international projects and the standard projects (Cleveland and Ireland 2007). ... Why are they more complex, taking attributes such as organizations, systems and technologies, society, company culture, self-interest, regulation, costs, risks, etc. into consideration? In relation to this, the research also aims to either validate or falsify this hypothesis: International projects differ from standard projects; with the former being more complex than the latter due to attributes such as organizations, systems and technologies, society, company culture, self-interest, regulation, costs, risks, etc. Relevance of the Topic As reflected by the section dealing with the research question the hypothesis related to this, this research focuses on the examination of international projects and how they differ from standard ones, taking various factors such as organizations, systems and technologies, society, institutional culture, self-interest, regulation, costs, risks, etc. into consideration. Thus, the relevance of the same is underscored because of its capacity to help the researcher reflect upon the concepts and notions present throughout the entire paper. Aside from the same, the findings of this research shall also help the researcher enhance his professional experience. The importance of the study also lies on the fact that it helps the success of the international projects. Apparently, research points out that due to the complexity of the international projects as well as the failure of project managers to properly respond to this has contributed to its partial success. In this regard, this research offers a perspective on how international projects differ from standard projects due to the complexity of its environment. Hence, international project managers shall be presented with solutions that

BLack and white- eric walters Essay Example for Free

BLack and white- eric walters Essay The name of the book is Black and White. It is written by Eric Walters. The illustrator of the book is Joe Baker. This book was published by the Penguin Group in 2009. The genre is fiction. Black and White is book about Thomas and his best friend Steve who tries to persuade him to watch girls play basketball on a sunny afternoon, and Thomas reluctantly follows him. As they started to watch the game, a black girl named Denyse caught Thomas eye with her basketball skills. On a Friday night, through a series of funny coincidences because they had a lot in common, they end up going to the movies together, and affectionate feelings develop between them. After confessing their love for each other during a ski trip, but start to encounter racial problems. They cannot understand what the big deal is, but the pressure of this relationship break them apart. I would definitely recommend this book to everybody and I would rate this book 9/10. I think the author did a fabulous job of capturing the reader’s attention in the first few chapters. As I start to read Black and White, I assumed it would end up as a typical romance but the relationship between the races and the problems that came up made it more interesting. I feel the need that other people should definitely read Black and White because it involves something that we see Dhaliwal 2 everyday which is racism. Although I think that the book is quite interesting, it was too over- sentimental for my taste. This book relates to history because in the book there are racist remarks and racism has been a problem for centuries. Also, it is a nice book to read for Black History Month. Its perfectly suitable for a young age group, with a complete lack of swearing for example but I think this book is perfect for normal ten years and up because the book has some high vocabulary. I dont think audience under 10 might be able to understand so its good for middle school kids and up. I think the authors point of view was that love is blind, no matter your skin colour. Definitely, this book brings racial discrimination to light.

Proper Use of Police Discretion Essay -- Understanding discretion in p

"Proper use of discretion is probably the most important measure of a police officer or department." -- Rich Kinsey (retired police detective) Police officers are faced each day with a vast array of situations with which they must deal. No two situations they encounter are ever the same, even when examines a large number of situations over an extended period of time. The officers are usually in the position of having to make decisions on how to handle a specific matter alone, or with little additional advice and without immediate supervision. This is the heart of police discretion. As we shall find, the exercise of discretion by police has benefits and problems associated with such exercise. The unfettered use of discretion can lead to the denial of citizen rights. Strategies that control the use of discretion are, therefore, very important. The benefits and problems of police discretion and controlling strategies are the focus of this essay. In law enforcement, discretion is left up to each police officer to make responsible and reasonable decisions on situations while in the field. A police officer will have no choice but to use discretion in certain situations and make decisions on what type of force or punishment is necessary for the situations. Many people in the society always believe that police officers can make any decision they wish to at any time while working. This is very wrong because there are situations whereby a police officer or even the chief of police has no other choice, but to follow the law in making decisions. The role of the police administrator is double challenging because, he/she must determine how best to use discretion as well as encourage or dissuade discretion by subordinate members ... ...because when discretion is exercised appropriately, it makes the law just. Works Cited Bonaparte, N. (2012). Zimmerman/Martin Investigation. CTSGV Sanford Florida Government. Web. 26 April 2015. http://www.sanfordfl.gov/investigation/docs/Zimmerman_Martin_shooting.pdf Coalition to Stop Gun Violence. (2011). Shoot First Law. CTSGV Web. 26 April 2015. http://www.csgv.org/issues-and-campaigns/guns-democracy-and-freedom/shoot-first-laws Gleason, T. (2006, November). Ethics Training for Police. The Police Chief Voice, 73, 11. Reaves, J. (2002). Person of the Week: Charles A. Moose. Time. Web. 26 April 2015. http://www.time.com/time/nation/article/0,8599,363860,00.html Rich Kinsey is a retired Ann Arbor police detective sergeant AnnArbor.com Web. 26 April 2015. http://www.annarbor.com/news/discretion-is-the-measure-of-a-police-officer/

The Practice Of Enforced Conformity English Literature Essay

The end of this drawn-out essay is to oppugn the pattern of implemented conformance within the societies depicted by Edith Wharton ‘s The Age of Innocence and Mark Twain ‘s The Adventures of Huckleberry Finn. This paper encompasses the two plants which compare the differences between the social facets of conformance within Twain ‘s Southern provinces of pre-civil war America and Wharton ‘s post-civil war New York. Both writers use the position of their several supporters to reflect on and knock the biass and values of these societies. In The Adventures of Huckleberry Finn, Mark Twain uses the cardinal character of Huck to foreground society ‘s lip service and the manner that faith and morality stifle individuality and free-spiritedness. Huck is invariably indicating out the manner that persons believe themselves to be devout and morally unsloped but, in fact, are by and large hypocritical and dishonest. One of Twain ‘s chief onslaughts is directed against the system of bondage in concurrence with the stereotyping of Negroes at this clip. Huck ‘s voice is used to foreground the unfairness of this system, although, being a merchandise of this society, he besides expresses some of the biass he has learnt. Other characters, such as Jim and Pap, are included to research this subject farther. Puting, imagination and a humourous tone aid to reenforce Twain ‘s review. Wharton uses similar devices to reprobate New York society in late 19th century. Unlike the boylike artlessness of Huck, Wharton ‘s supporter, Newland Archer, is misanthropic and can see rather clearly the mistakes in his community. It is suggested that he would wish to interrupt out of conventional behavior, but does non hold the bravery. Other characters, such as May and Ellen, are used to foreground the harm that the insisting on conformance causes to persons. Wharton besides draws to her readers ‘ attending, the patriarchal nature of this society, its focal point on philistinism, and refusal to alter. Like Twain, Wharton uses symbolism, particularly that of flowers and costume, every bit good as elusive sarcasm, to foreground her observations. Word Count: 330 wordsIntroductionOne major facet of human nature is the bias against those who reject social norms. It seems inevitable that the bulk is prejudiced against those who refuse to conform, in order to keep societal stableness and do certain everybody upholds the values that most people portion. There are many different sorts of bias but the chief focal point of two American novels, The Adventures of Huckleberry Finn ( 1884 ) , by Mark Twain, and Edith Wharton ‘s The Age of Innocence ( 1918 ) , trade with prejudice against non-conformists. These authors use a assortment of devices to place readers to be hostile towards such values and conventionality. Couple utilises the supporter, Huckleberry Finn, every bit good as a overplus of secondary characters, such as Pap and Jim, to foreground the unfairness of the bondage system which operated before the civil war. Furthermore, Twain besides critiques the lip service of most people, who claim to take the moral high land, b ut are, in fact, merely holier-than-thou. In this text, imagination and sarcasm are used to convey the author ‘s strong message. Wharton employs similar techniques. The supporter, Newland Archer, is portrayed as a coward. He is to the full cognizant of the absurdnesss of his society ‘s insisting on conformance, but can non interrupt off, taking to the calamity of his by and large unrealized life. Minor characters, including Ellen and May, reinforce this major subject every bit good as Wharton ‘s onslaught on the patriarchal nature of her surroundings, and fright of alteration. Like Twain, Wharton weaves into her text, a strong sense of sarcasm and drawn-out imagination. Thus the two texts are really similar in manner and construction, although they deal with really different societies and conventions. The Age of Innocence is set in upper-class New York society in post-civil war America. In this surroundings, people are really proud of their community ‘s accomplishments and reject alteration, which they perceive will endanger the position quo, richness and civilization. Wharton suggests that persons are raised in a civilization that is already to the full established with complex sets of values and categorizations, regulations and prohibitions. The bulk accepts these codifications as normal and natural. Having mastered the complexnesss of the civilization, life is conducted in the channels provided by that civilization. Hence, when anyone attempts alteration or stairss out of these well-worn waies, he or she is rounded upon, condemned and finally rejected. New York in the late 19th century is besides stiffly patriarchal and adult females must be cosmetic, supportive and economically dependent on work forces. In contrast, The Adventure of Huckleberry Finn is set before the civ il war in America ‘s Deep South, specifically along the Mississippi River. Unlike New York, the chief bias here is racial. Most Whites support bondage and are dying to maintain Negroes in their topographic point, for fright that they will accomplish equality and hence overthrow the high quality of the Whites. This society besides prides itself on its moral virtuousnesss and is determined to coerce everyone to conform to the spiritual conventions. Edith Wharton uses a assortment of methods to reprobate New York ‘s society ‘s snobbism and fright of alteration. The supporter, Newland Archer, is Wharton ‘s chief device. In the first chapter, it is rapidly established that he conforms to societal norms, as readers learn that, â€Å" what was or what was non â€Å" the thing † played a portion as of import in Newland ‘s New York. † ( Wharton, 1918: 4 ) However, Newland likes to believe of himself as a non-conformist and feels that he is the â€Å" clearly the higher-up of these chosen specimens of old New York † . ( Wharton, 1918:7 ) Mutely, he mocks those whom he sees as slaves to conventionality. Assorted incidents are used to foreground Newland ‘s disdain. He is frustrated by May ‘s deficiency of independent action when she refuses to run off with him and comes to see her as â€Å" a terrific merchandise of the societal system he belonged to † ( Wharton, 1918:35 ) . He is unimpressed with May and fascinated by Ellen ‘s exoticness, symbolised by his reaction to her unconventional house, where he felt the lamps imposed a â€Å" bleached shadowy appeal of a room unlike any room he had known † . ( Wharton, 1918:57 ) Another symbol of Newland ‘s flirting with the out danger of the unconventional is the type of flowers he gives to the two adult females in his life, giving flowers was non merely a manner to show wealth, but besides a manner to pass on elusive messages. During his battle with May, Newland sends lilies-of-the-valley to her â€Å" every forenoon on the minute † ( Wharton, 1918:65 ) , while it is traditionally given as a marrying flower to stand for a â€Å" return of felicity † , it besides symbolises artlessness and celibacy ( Gwen ) . The supporter sees May as being naA?ve and guiltless as the white flowers he gives her suggest. However, during Newland ‘s first visit to Ellen Olenska ‘s pla ce, he gives her a corsage of yellow roses which the supporter ‘s thought â€Å" there was something excessively rich, excessively strong, in their ardent beauty. † ( Wharton, 1918:65 ) as â€Å" he had ne'er seen any as sun-golden before † ( Wharton, 1918:65 ) therefore Wharton, suggests that like flowers reflects on the receiving system ‘s personality and hence the xanthous flowers symbolise green-eyed monster, unfaithfulness and exoticness. Yet, faced with the chance to arise, he lacks the bravery. Rather than contending against society ‘s positions on divorce, he volitionally gives in and decides non to follow her, even though he feels â€Å" an ceaseless indefinable craving † ( Wharton, 1918:183 ) for Ellen. The writer farther high spots Newland ‘s cowardliness and apathy by saying that he â€Å" instinctively felt that in this regard it would be troublesomeaˆÂ ¦to stick out for himself. † ( Wharton 1918:7 ) Newland ‘s unwillingness non to conform is farther extrapolated when he pays lip service to democratic rules, but one time married, reassumes his earlier conventional, patronizing attitude to May ‘s â€Å" artlessness † ( Wharton 1918:119 ) , with the premise that it â€Å" seals the head against imaginativeness and the bosom against experience! â€Å" ( Wharton, 1918:119 ) . Even when he subsequently admits to Ellen that his matrimony is a â€Å" fake † ( Wharton, 1918:199 ) , he blames her for his quandary stating â€Å" You gave me my first glance of a existent lifeaˆÂ ¦ it ‘s beyond human digesting † ( Wharton, 1918: 199 ) . Wharton ‘s oppressing unfavorable judgment of Newland culminates in the concluding pages. The clip is now 30 old ages subsequently and society is radically different. Old snobbisms have been abandoned and he realises that May ever knew about his relationship with Ellen. Yet, now there is â€Å" no ground for his go oning in the same modus operandi † ( Wharton, 1918:289 ) and he has a opportunity of freedom, he is still â€Å" held fast by wont † ( Wharton 1918:290 ) and â€Å" saw into what a deep rut he had sunk. † ( Wharton, 1918:290 ) Indeed Newland has non changed at all ; he is still torn between the feeling that he should prosecute in â€Å" new things † . ( Wharton, 1918:290 ) He is good cognizant that now â€Å" Cipher was shockable adequate † ( Wharton, 1918:290 ) to worry about past injudiciousnesss. However, the supporter still lacks bravery to be true to himself. He seems frozen by inactiveness, highlighted by his failure to see Ellen ‘s flat, as he thinks â€Å" it ‘s more existent to me here if I went up † ( Wharton, 1918:298 ) . Wharton shows how Newland continues at war within himself as he â€Å" all of a sudden heard himself state † . ( Wharton, 1918:298 ) these words. Therefore as the terminal, when he â€Å" walked back entirely † ( Wharton, 1918:298 ) , readers understand the otiose chances of Newland ‘s life as he can ne'er interrupt out of societal norms. As Wharton demonstrates a usage of sarcasm as Ellen â€Å" closed the shutters † ( Wharton, 1918:298 ) , she is symbolically stoping any opportunity that Newland has of altering. Similarly, Mark Twain uses his chief characters to review his society, but is it non the snobbism and the conventions that are attacked, but the lip service. Huck is used as a device to dramatize the struggle between societal or received morality on the one manus, and a different sort of morality based on intuition and experience on the other. Like persons of his age, Huck is written through the position of a kid and although he is doubting of spiritual values, such an immatureness is demonstrated by the supporter ‘s superstitious positions as he heard â€Å" a shade † ( Twain, 1884:4 ) . Despite such beliefs, Huck reflects Twain ‘s agnosticism as he remains stainless by the regulations and premises of society in which he finds himself in. Even though Huck is speedy to knock the absurdness of the universe around him, he does non try to do discourtesy. He is every bit speedy to state us that though the â€Å" widow cried over me, and called me a hapless lost lamb. . . she ne'er meant no injury by it. † ( Twain, 1884:2 ) . Couple presents the supporter ‘s unwillingness to alter after Miss Watson ‘s efforts to â€Å" sivilize † ( Twain, 1884:1 ) him, but shortly reverts back to his old wonts after populating with his male parent. The struggle between the subjugation of civilization and â€Å" natural life † is introduced in the first chapter through the attempts of the Miss Watson, who tries to coerce Huck to have on new apparels, give up smoke, receive an instruction and larn the Bible. Couple nowadayss both Miss Watson and the Widow Douglas as being highly conservative, invariably seeking to learn Huck the ways of a spiritual society which he finds â€Å" boring and only † ( Twain, 1884:3 ) , whereas Huck is represented as being out traveling and free spirited. Twain uses an analogy to depict Huck ‘s antipathy for the inefficiency within supplication as Miss Watson tells Huck â€Å" to pray every twenty-four hours, and whatever I asked for I would acquire it. But it war n't so. I tried it. Once I got a fish-line, but no hooksaˆÂ ¦ . I tried for the maulerss three or four times, but somehow I could n't do it work. † ( Twain, 1884:4 ) Here, Twain suggests that Huck is unable to hold on the construct of formal faith. Furthermore, Huck ‘s refusal to remain at the Grangerfords reveals his inability to settle down as he says, â€Å" there war n't no place like a raft † ( Twain, 1884:5 ) Therefore, Huck is used to show the writer ‘s chief message that the barbarian manner of life is more desirable and morally superior to the corruptness of purportedly civilized American society. Wharton besides subverts the mythology of America as a new, democratic society. America is supposed to be an uninhibited â€Å" heaven † as opposed to the stiff European â€Å" snake pit † experienced by Ellen. However, the writer suggests that people have in fact imported the â€Å" old † category differentiations and snobbism from Europe. â€Å" Old † New York society has an ambivalent attitude towards the â€Å" new † rich. Peoples admire Julius Beaufort because he is affluent but despise him because he is self-made, despite the fact that he has gained societal reputability by get marrieding into the celebrated Mingott household, he is ever at the outer peripheries of society and considered slightly disreputable. The possibility of a new beginning is symbolized by Newland and Ellen ‘s interlude in the Patroon ‘s house. The original Dutch governor ‘s bungalow embodies the possibility that the twosome can get away the yesteryear. In contrast, the new wave der Luydens are one of the most well-thought-of households because of their European lineage, epitomised by their â€Å" high-ceilinged white-walled Madison Avenue drawing-room, with the picket brocaded armchairs so evidently exposed for the juncture, and the gauze still veiling the ormolu mantle decorations † . ( Wharton, 1918:42 ) Their seal of blessing is needed to derive societal acceptableness, shown when their invitation to Ellen allows her to come in New York society as they delivered her an envelope that â€Å" contained a card ask foring the Countess Olenska to the dinner † ( Wharton, 1918:7 ) . However, she shortly discovers that this surroundings is merely as stiff and stratified as Europe, as Newland explains, â€Å" New York Society is†¦ ruled, in malice of visual aspects, by a really few people with- well- instead old- fashioned ideasaˆÂ ¦ † ( Wharton, 1918:89-90 ) Wharton shows that alteration is rejected as a d estabilising influence. In the first chapter, Ellen is seen have oning an unfamiliar European style-dress which attracts â€Å" undivided attending † ( Wharton, 1918:10 ) . The disapproval of such new manner is emphasised when Miss Jackson notes, â€Å" aˆÂ ¦In my youthaˆÂ ¦ it was considered vulgar to dress in the newest fashionsaˆÂ ¦ † ( Wharton, 1918:211 ) . Wharton points out the inevitable alteration of society by showing a contrast at the terminal of the book ; Dallas Archer has married Julius Beaufort ‘s bastard girl, Fanny which would hold one time been considered wholly unacceptable. The writer even points out the comparing between Fanny and Ellen as the former â€Å" had won [ New York ‘s ] bosom much as Madame Olenska had won it 30 old ages before † ( Wharton, 1918:260 ) . However, now â€Å" alternatively of being distrustful and afraid of her, society gleefully took her for granted. â€Å" ( Wharton, 1918:260 ) . As Newl and reflects, â€Å" Peoples presents were excessively busy with reforms and â€Å" motions, † aˆÂ ¦ to trouble oneself much about their neighbors. † ( Wharton, 1918:291 ) Therefore, the fact that such a respected and conventional household such as the Archers became connected to â€Å" Beaufort ‘s assholes † ( Wharton, 1918:291 ) is used to bespeak how stiff New York society one time was and how much it has changed. An built-in portion of Wharton ‘s review is the repression of adult females. Late 19th century New York society is steadfastly patriarchal. Womans are expected to be inanimate, cosmetic and pure. Wharton uses costumes to foreground these outlooks as May is instantly introduced as â€Å" a immature miss in white † . ( Wharton, 1918:5 ) This symbolism suggests her artlessness and fidelity towards her hereafter partner. In contrast, Ellen is subsequently introduced as have oning a â€Å" dark bluish velvet gown instead stagily caught up under her bosom by a girdle with a big antique clasp. † . ( Wharton, 1918:7-8 ) This description instantly highlights Ellen ‘s refusal to conform and so openly ask foring attending which is a complete contrast to May ‘s costume, proposing her deficiency of conformity of the gender stereotype. Furthermore, adult females are expected to get married and stay so, nevertheless severely they are treated. Wharton emphasises the m anner work forces patronise adult females through the relationship between Newland and May. He notices his married woman ‘s narrow involvement while in London with annoyance, where â€Å" nil interested her but the theaters and the stores. † ( Wharton, 1918:160 ) and patronizingly teaches her about art. Women within New York society besides have to be compliant and supportive of their hubbies, irrespective of their partners ‘ behavior as â€Å" May ‘s lone usage of the autonomy she supposed herself to possess would be to put it on the communion table of her wifelike worship. † ( Wharton, 1918:160 ) Wharton besides presents the meeting of individualities of adult females with their hubbies through the word picture of the new wave der Luydens who â€Å" were so precisely alike that Archer frequently wondered how, after 40 old ages of the closest conjugality, two such merged individualities of all time separated themselves plenty for anything every bit controversial as a talking-over.. † . ( Wharton, 1918:43 ) The rebellion against gendered stereotypes is by and large opposed, as shown when Ellen is condemned for take a firm standing on divorce. There are some exclusions, for illustration, Mrs. Manson Mingott, whose â€Å" influence is great throughout her household † ( Wharton, 1918:206 ) , because she is affluent and does non present a menace to societal convention yet even she refuses to assist her girl, Regina when Beaufort runs off with Fanny. Miss Manson Mingott abandons her girl, claiming that their household name was tarnished by such an incident as she says â€Å" It was Beaufort when he covered you with gems, and it ‘s got to remain Beaufort now that he ‘s covered you with shame. † ( Wharton, 1918:223 ) Furthermore, this intervention of adult females produces societal tensenesss. Newland desires Ellen, who is sexually experienced, and had a affair with Mrs. Rushworth who was his rational e qual. However, if he wants to keep male high quality, he has to accept May and the deficiency of fulfillment he knows he will see throughout his married life. It is through the creative activity of these characters that Wharton critiques her patriarchal society. Wharton ‘s society is brewing with lip service, as money buys non merely regard and human value but besides free scope to populate without effects. In the novel ‘s society, value and individuality are rooted in philistinism and lip service, bespeaking non merely a crisis of subjectiveness on the degree of the person but besides suggesting at a larger prostration of human relationships in general. Like Wharton, Twain besides condemns the lip service of the spiritual. However, the onslaught is much more biting, even though the tone, created through Huck ‘s voice, is humourous and purposes to satirically mock the values presented by the supporter. In the first chapter, Miss Watson introduces Huck to â€Å" the bad topographic point † ( Twain, 1884:3 ) , while the supporter, could non â€Å" see no advantage in traveling † ( Twain, 1884:3 ) to Heaven. Twain indicates that despite the caretakers ‘ purposes, Huck ne'er sees any existent weight in faith and treats the construct of Eden and snake pit as a myth. Subsequently, when the mountebanks, â€Å" Duke † and â€Å" King † , convert a spiritual community to give them money so they can â€Å" change over † their non-existent plagiarist friends, the God-fearing common people are easy fooled as King â€Å" went all through the crowd with his chapeau † ( Twain, 1884:171 ) roll up ing money and is subsequently offered adjustment. Therefore, King and the Duke are used to stand for those con-men who use faith in a corrupt mode, for self-gain. The chapters where Huck meets the Grangerford and Sheperdson allows Twain to utilize sarcasm in order to reprobate certain facets of purportedly civilized America. Both households represent the wealthy and educated and uncover the senseless ferociousness and gratuitous slaughter involved in their arbitrary construct of honor. The dignified Colonel Grangerford, who is eager for the glorification to be gained from hiting â€Å" a few buck-shot â€Å" ( Twain, 1884:141 ) at a Shepherdson household member, unquestioningly believes in devaluating human life, emphasized by the Twain ‘s suggestion of the feud is so arbitrary that the households do non even know why they are contending ( Q ) . Both feuding households are church departers and in one discourse where both the households â€Å" took their guns along † ( Twain, 1884:142 ) , given by Mr. Grangerford he speaks of â€Å" brotherlike love † ( Twain, 1884:142 ) while, hypocritically, encourages the slaying of the opposing household. Twain satirise this by showing Huck ‘s oblivion to spiritual values, crying that â€Å" it seem aˆÂ ¦to be one of the roughest Sundays, I had run across yet † ( Twain, 1884:142 ) , when compared to the household ‘s positive remarks about the â€Å" good discourse † ( Twain, 1884:142 ) . Through this averment, it can be suggested that Twain is resentful towards the contradiction of spiritual values, which is reinforced by the in writing description of the confrontation as Buck recalls that â€Å" his male parent and his brother was killed, and two or three of the enemy. † ( Twain, 1884:148 ) intended to floor the readers and reinforce Twain ‘s point that God-fearing and self-proclaimed observant Americans feel justified in utilizing such ferociousness. This i ncident is besides in marked contrast to the breeding of Wharton, who ne'er references force. This comparing clearly indicates the different nature of these two respective societies – the abrasiveness of the South and the polish of New York – even though both claim to be, in comparing with aliens, civilised. Another major unfavorable judgment of Twain ‘s society is the unfairness of bondage. In The Adventures Huckleberry Finn, The writer uses sarcasm to show that bondage is supported by even the most â€Å" moral † of characters. Miss Watson, an educated and devout Christian adult female, is besides a slave proprietor, connoting that people who regard themselves as morally unsloped believe that bondage is justified inkinesss are purportedly racially inferior and is willing to sell Jim â€Å" down to Orleans † ( Q ) for eight-hundred dollars. Furthermore, the word picture of Pap reinforces the connexion between hapless moral character, racism, and the credence of bondage. He is portrayed as, non merely a racialist, but besides, a rude, self-involved rummy and kid maltreater. As he says â€Å" I was merely approximately to travel and vote myself if I war n't excessively imbibe to acquire at that place ; but when they told me there was a State in this State where they à ¢â‚¬Ëœd allow a nigger ballot, I drawed out. † ( Twain, 1884:36 ) The writer presents how visual aspect and clamber coloring material are the lone standards considered by the societies of the South when finding who is afforded rights in comparing to the black â€Å" p'fessor † ( Twain, 1884:36 ) from the northern province of Ohio. It appears that regardless of how immoral and depraved a white adult male might be, he is still afforded more power than that of a moral black character wish Jim as he is immediately blamed for the â€Å" slaying † of Huck. Therefore exemplifying how society is speedy to fault persons who are socially underprivileged. Here, Twain ‘s really willingness to portray a morally unsloped character like Jim, whose predicament is intended to convey understanding, presents an attitude that is doubtless anti-slavery. In contrast to Pap ‘s changeless maltreatment of his boy, Jim is shown to lose his household as he â€Å" was frequentl y moaning and mourning that manner, darks, when he judged that [ Huck ] was asleep † ( Twain, 1884:201 ) as he realises that he â€Å" ai n't of all time gwyne to see † ( Twain, 1884:201 ) them of all time once more. Twain emphasizes Jim ‘s superior moral facets to Huck ‘s male parent by showing the character ‘s compunction in penalizing his girl, ‘lizabeth, after gaining that she is deaf and was hence, unable to listen to his demands. True the supporter does express racist attitudes towards Jim when he says â€Å" I would n't agitate my nigga, would I? – the lone†¦ nigga I had in the universe, and the lone belongings. † ( Twain, 1884:279 ) However, Twain indicates that Huck is merely a kid who has been influenced by societal bias as he is raised within a deeply bigoted society. While The Age of Innocence and The Adventures of Huckleberry Finn are really similar in manner and building, the chief difference occurs in the usage of imagination. Wharton uses the coloring material â€Å" white † to symbolize pureness and artlessness, as exemplified in May ‘s costumes as she dresses in â€Å" white and splinter † ( Wharton,1918:53 ) and the â€Å" corsage of lilies-of-the-valley † ( Wharton,1918:5 ) she receives from Newland. In contrast, Twain uses the thought of â€Å" white † to sabotage the racial bias practised by the white Southerners. Pap Finn represents the worst facets of white society as he is illiterate, nescient, violent, and deeply bigoted. As Huck remarks, his male parent is â€Å" white ; but non like another adult male ‘s white, but a white to do a organic structure ill † . ( Twain, 1884:25 ) Here, the sickening deathlike lividness of Finn ‘s tegument underscores Twain ‘s disapprobation of the Whites who feel that they are superior to inkinesss, merely because of the coloring material of their tegument. Conversely, the black professor from Ohio is described as have oning â€Å" all right apparels † , â€Å" a gold ticker and concatenation, and a silver-headed cane † and is able to â€Å" speak all sorts of linguistic communications, and knowed everything † ( Twain, 1884:36 ) . This clearly educated adult male is able to vote whereas Pap takes his privileges for granted, warranting his failure to vote by stating he was â€Å" excessively intoxicated † ( Twain, 1884:36 ) . In set uping the contrast between Pap and the Negro, Twain overturns the traditional positions of his clip which suggests that the color white, non black, is associated with immorality.DecisionClearly, The Adventure of Huckleberry Finn and The Age of Innocence are really similar in the manner they present vesicating reviews on their several societies. Both Wharton and Twain use a wide-ranging assortment of different schemes to convey their message. The word pictures of major and minor characters illustrate how persons react and are affected by biass. In Wharton ‘s instance, the memorable supporter, Newland Archer, is bogged down by society ‘s fright of alteration, whilst Twain ‘s Huckleberry Finn subtly remarks on the unfairnesss of his society through the infantile eyes of artlessness. Furthermore, linguistic communication, manner and symbolism reinforce the unfavorable judgments. Readers of both plants are invited to reason that conformance, bias and lip service are unacceptable values for any society to keep and tolerance and fairness are far more preferred.

Five Force Analysis

Rogers Chocolate: Five Force Analysis Feedback A graphic portrayal of the five-forces model for the chocolate industry is shown in below. At the end of the analysis, always state a conclusion: Rivalry Among Competing Premium Chocolate Producers—a Moderately Strong Competitive Force In the discussion of the five competitive forces that follows, we use a + sign to indicate factors acting to strengthen rivalry and a – sign to indicate factors acting to weaken rivalry.The +/– signs are shown in parentheses. ?The Canadian premium chocolate industry has been growing by about 20% annually while the chocolate industry as a whole has been relatively stagnant or falling. (–) ? The gap between the growth of the premium and lower quality markets has spurred a movement by large, traditionally low quality, manufacturers into the premium market through acquisitions and upmarket launches. (+) ? Product differentiation is moderate among makers of premium chocolates.While t here is some differentiation with respect to the quality of the chocolate produced, the main differentiating feature is the packaging of the product which helps draw first time users to one premium brand over another. (+) ? Competitors consistently pursue premium placement and packaging changes that make their product more attractive to the consumer. (+) ? With large percentages of annual sales being seasonal, advertising and competitive jockeying for retail sales intensifies during the most profitable periods of the year. (+) ? Switching costs to consumers is low.While the costs of switching from one brand to another are low, consumers of premium chocolates tend to be brand loyal. (–) ? The industry is mostly regional with only a few large players. (neutral) ? Most competitors have similar strategies, offering some customization on wholesale and online purchases and maintaining standardized retail operations. (+) Threat of Entry—A Strong Competitive Force ?With the in dustry currently composed primarily of regional players there are not significant economies of scale in production that would prohibit entry. (+) ?Significant learning curve effects and lower fixed costs independent of scale, such as favorable long-term leases in retail locations, for incumbents exist that could discourage new entrants. (–) ?Strong brand loyalty and preferences for existing brands would make it difficult for new entrants to take market share. (–) ? There are high capital requirements in the form of manufacturing facilities, machinery, retail space, and distribution channels to launch large scale operations but low capital requirements for local and some regional operations. (neutral) ?With the industry growing at 20% annually potential entrants may see room to flourish in an underserved market. (+) ? This high growth has caused large, well known, low quality manufacturers with large resources to begin positioning themselves to enter this market. (+) ? With a large portion of the market consisting of baby boomers, there is potential for market growth for decades to come. (+) Competition from Substitutes—Varies Depending on the Taste Preferences of Consumers ? The primary consumers of premium chocolates appreciate high product quality and have a high level of brand awareness.Traditional off-the-shelf candy and chocolates do not compare in the minds of these consumers. This leaves very few substitutes that include upscale, premium candies, cakes, and ice creams. (–) ? Switching costs to the few substitutes are low. (+) ?Average consumers that may purchase premium chocolates on special occasions or as gifts have a wide array of readily available substitutes. The substitutes to these consumers are traditional candy bars, flowers, stuffed animals, hard candy, etc. , etc. (+) ? Substitutes are readily available and are sold at lower price points. (+) ? Switching costs for these consumers are also low. (+)The Bargaining Pow er and Leverage of Suppliers—Weak to Moderate for Packaging Inputs; Moderate to Strong for Product Inputs ? Packaging inputs for the industry can be procured from a multitude of suppliers located around the world. (–) ? There are some costs to switching packaging suppliers for industry members but these costs are not so extreme that they prevent switching. (neutral) ? Packaging inputs are readily available from most suppliers. (–) ? Suppliers of packaging inputs are heavily relied upon to deliver inputs on time and in conjunction with production runs. These inputs are also a large portion of overall product costs. +) ? It is not economically viable for industry members to backward integrate into production of packaging inputs. (+) ? It is not likely that suppliers will integrate forward. (–) ? Consumer concerns for human rights and environmentally safe packaging increases the pressure on industry members to procure packaging inputs from what are considere d responsible suppliers or to pressure suppliers into producing packaging inputs under set terms and conditions. (neutral) ? Production inputs to the industry, such as cocoa beans, are a commodity but can only be grown in certain climates restricting the number of suppliers. +) ? Switching suppliers of production inputs can be costly if they come from regions or continents other than what the industry member is currently using. This may require new procurement channels and transportation methods. (+) ? Production inputs can be in short supply or abundant depending on the climate that year. (neutral) ? Production inputs are basically standard across the industry. (–) ? Suppliers provide inputs that account for a large portion of the product cost. (+) ? It is neither feasible nor economically viable for market participants to integrate into the production of these inputs. +) ? It is not likely that suppliers will integrate forward. (–) ? Consumer concerns for human right s increases the pressure on industry members to procure production inputs from what are considered responsible suppliers or to pressure suppliers into producing inputs under set terms and conditions. (neutral) The Bargaining Power and Leverage of Buyers—Weak for Consumers; Moderate for Wholesale Buyers ? Cost of switching brands for retail/online buyers is low, and despite high brand loyalty, many buyers may switch to another brand if they perceive the brand to be equivalent in quality at a lower price. +) ? Number of buyers is large and the individual buyer is a small portion of the total business. (–) ? Retail/Online buyer purchases are infrequent and small. (–) ? Retail/Online buyers can postpone purchases. (+) ?There are equivalent products from competitors available. (+) ? Cost of switching brands for wholesale buyers, such as large retail chains, is low when there are no contracts in place; however, if contracts are in place the switching costs are high. ( neutral) ? Wholesale buyers purchase in larger quantities and on a more regular basis. (+) ?Wholesale buyers can easily compare prices, costs and product quality. (+) ? There is a moderate threat of wholesale buyers, such as food retailers, integrating into this industry. (neutral) ? There are equivalent products from competitors available. (+) ? Wholesale buyers are not able to postpone purchases as easily as individual buyers. (–) Conclusions concerning the overall strength of competitive forces. The overall competitive pressures on the premium chocolates industry are moderate and that industry conditions are favorable to above average profit margins.However, when considering the threat of new entrants, the growth potential and the resources that some potential entrants control, this industry is likely to see an increase in the number and/or size of industry participants in the near future. This will inevitably result in an increase in the rivalry among industry participant s. An increase in supplier power could result if large manufacturers arrange strategic alliances and/or sole provider contracts with suppliers that restrict the inputs available to other industry participants.

Magical Realism Essays

Magical Realism Essays Magical Realism Essay Magical Realism Essay Essay Topic: A Very Old Man With Enormous Wings Third person omniscient and third person with magical realism tend to diverge in the ways that authors use them. Magical realism allows the reader to speculate about aspects of the story that arent specified by the author, while an omniscient point of view is restrictive, drawing the readers focus to specific aspects of the story, allowing little room for speculation. A Very Old Man with Enormous Wings makes the free- form nature of magical realism apparent In the multiple ways to Interpret the old Nans presence, while in A Good Man Is Hard to Find; the more realistic omniscient point of view gives definitive descriptions of almost everything allowing little room for creative thought. In IA Very Old Man with Enormous Wings, very little Is presented to you In terms of clarification. You are left with an old man with large wings and a rather superstitious body of townsfolk. Then you see the townsfolk, especially Appeal and Allseed, reacting to the presence of this foreign object. Though you are given a grand scope of things with phrases Like, [t]he world had been sad since Tuesday (285), and [t]he curious came from far away (2881 you allowed to freely interpret these events as they unfold your eyes. They can also allow you to speculate about topics that arent specified within the story, such as, why is this winged man here? What purpose does he serve? Even though you get to look over a broad scope you are given the same information, or lack there of, that the townspeople are eating. None of the information you are provided with in absolute though. For instance you are given the opinion of a neighbor woman who knew everything about life and death, who says that it is some sort of fallen angel. Although the townspeople accept this information and start calling it an angel, you the author are not restricted to this. Since the source isnt absolute, the old man can be virtually anything to you. Since you are free to speculate, he is only an angel if you interpret him as one.