What Are The Moral And Ethical Issues Facing Gary

The Blue Spider Project Submitted to: Dr. Sheryl L. Hodges Submitted by: Tejaswi Materla 1) What are the moral and ethical issues facing Gary? Open communications, honesty, and integrity in dealing with customers, truth in negotiations, and factual status reporting are some of the critical factors that affect the project execution . There was no open communication between Gary, and Lord Industries or the functional managers regarding the project phase updates. The project started with dishonesty during the RFP regarding the technical specifications such as the operating temperature ( design) limits of the components of the Spartan missile (which clearly did not meet client specifications). This was the major moral and ethical issue Gary faced. Gary accepted the position of the Program Manager even though he knew that Henry Gable expected him to be dishonest and manipulative regarding the project. However as the project progressed, Gary faced issues communicating with the client regarding the new material JXB-3 introduced by Paul Evans and Henry Gable. Gary also faced a major problem when the accelerated aging tests performe d on the new materials were not according to the client expectations; and he was scared to tell anyone about that disaster. Gary was not an experienced program manager and it seemed like he was merely a puppet in Henry Gable’s hands; which did not allow him to maintain open communication and honesty during the project. 2) What happens when a situationShow MoreRelatedBlue Spider Case Essay772 Words   |  4 Pages1) If you were Gary Anderson would you have accepted this project after the director stated that it would be his baby all the way? Despite Henry Gable’s very apparent shadiness I would probably have taken the project too due to the backing that the project has. Even though the project had issues, based on all we have learned in project management, it is rare that a project has the amount of attention and backing from top executives, as well as, strong resources from the functional team. Many ofRead MoreThe Blue Spider case study1040 Words   |  5 Pages The Blue Spider Project Case Study Questions Question 1. If you were Gary Anderson, would you have accepted this position after the director stated that this project would be his baby all the way? Answer: Yes, I will because this is a good chance to help me raise my current position. Before I apply for this position, I got MBA degrees before 1995. I have been a production engineer last several years and prepared to be a project manager. Question 2. Do engineers with MBA degrees aspire to highRead MoreThe Four Views On Salvation Readers1838 Words   |  8 Pagesare presented by major advocates of the following views: pluralist by John Hick, inclusivist by Clark Pinnock, particularist by Alister McGrath, and evidentialist by R. Douglas Geivett and W. Gary Phillips. The primary contention of the book is about if Jesus is the only Savior? And if that is true, then what happens with those who profess faith and salvation outside of Jesus Christ. The Four Views of Salvation are a single volume that introduced the reader to the â€Å"basic positions within evangelicalism†Read MoreCultural Conformity and Race Essay1549 Words   |  7 Pagesfeatures and hair textures, to social norms and habits that constitutes to that group. These differences contribute to our uniqueness and humanity. Because people can be grouped by any number of differences, Man, lead by his ignorance, perpetuated the issue once social-hierarchies began to develop, splitting society to its various groups. As a result, social disparity from one’s upbringing became the common tendency to look down, or look up at people of other cultures, skin-colors, or nationalities. DiscriminationRead MoreBusiness Ethics Kfc3137 Words   |  13 PagesCONTENT PAGE 1.0 Introduction 2 2.0 Ethical Dilemmas 2.1 Unhealthy Oil 2.2Employees Issues 2.3 Suppliers Issues 2 2 3-4 4 3.0 Ethical Theory 5-7 4.0 The Organization’s Ethical Best Practices and Values 7-9 5.0 Recommendation 9 Conclusion 10 References 11 1.0 Introduction All of companies should be use the ethical decision to development their business on the right way because it’s a behavior of company showing to the publics and also responsible to social or public. The decision of company mightRead MoreExternal Internal Factors: Verizons strategic planning to deal with these factors1489 Words   |  6 Pagese-business, innovation, diversity, and ethics. We will break down each factor as how Verizons business plans set their objectives in being the leader of communications services. Rapid Change If there are two issues that characterize the challenges twenty-first century corporations face today, those issues can be summarized as competition and change. (Dessler, p. 13) Rapid change is a common factor that most corporations needed to prepare itself, in order, to be competitive. That is, Verizon is implementingRead MoreAnnotated Bibliography: Security and Crime in Cyberspace3308 Words   |  13 PagesAnnotated Bibliography Over the last several years, the issue of IT ethics has been increasingly brought to the forefront. This is because of transformations occurring through rapid advancements and the way various applications are utilized. To fully understand what is taking place requires conducting an annotated bibliography on the subject and the impact it is having on these standards. These findings will highlight the overall scope of the challenges and the long term effects they are havingRead MoreThe Debate Over The Legalization Of Prostitution1551 Words   |  7 Pagesthe U.S., except in some rural counties of the state of Nevada. The debates on prostitution are always come with many legal problems, for instance, human trafficking, violence, sexual slavery and the use of children, as well as public health and moral issues. Different from the U.S., prostitution practices a legitimate business in some countries in the world, such as Brazil, Germany and Canada. Thus, the heated debate over the legali zation of prostitution goes on in the U.S. There are proponents, whoRead More The Importance of Diversity in Education Essay1782 Words   |  8 Pagesthe Ministry of Education publication Education Today. This very statement was a cry from thousands of families throughout the province of British Columbia in the 1960s. (Sullivan, 1988) My argument for this paper is that for governments to be ethical and moral agents they must hear the voices of their constituents, even if they are a few; and then respond equitably and with fairness. This equity and fairness includes policies ensuring their legitimacy and funding to facilitate their diversity. ThisRead MoreEuthanasia Essay2328 Words   |  10 Pages67) Richard A. McCormick, dean of Catholic moral theologians, once said that we can easily soften resistance to the unacceptable if we confuse it with the acceptable. The easiest way to skew the euthanasia /PAS debate is to see it as a pulling the plug issue. But forgoing useless or disproportionately burdensome treatment--which is what we generally mean by pulling the plug.--is not the same as euthanasia or PAS. Standard medical, moral and legal practices allow competent patients

Essay on Legalization of Marijuana - 610 Words

Legalization of Marijuana One debate that keeps coming up time and again is the topic of the legalization of marijuana. Marijuana is the most widely used illegal drug. Nearly one in three teenagers have at least tried marijuana by the time they graduate high school. It is also gets the most publicity for its legalization. Over thirty pro-legalization organizations have been displayed on the Internet alone. The legalization of marijuana , although popular by todays drug culture, would be a very dangerous and detrimental act for the United States to take part in. Not only would it destroy families, but would also lead to the fall of our economy. Pro-legalization organization argue the fact that legalization would result in the†¦show more content†¦This causes the decrease in communication through-out a house hold. Communication is what keep a family close and involved in each others life. The effects of marijuana and other drugs destroys families enough now, but if it were to become legal then that number would raise and so would the number of broken homes. We are at a time when our family structure has already been destroy and where we should be working to rebuild that important aspect of life. Legalizing marijuana would not be the way to do that. Marijuana is famous for making a person lazy and lackadaisical. We are a point in our country when we have the most amount of unemployment. When already thousands of people are happy living off welfare, we want to make people even lazier? This is not to say that all people that are unemployed are lazy or smoke pot for that matter, but if people were more lazy then we already are, it could only mean bad things for the development of our country. In an age of technological advancements, why slow down progress with pot? Although it could be argued that marijuana should be legal for everyone to have, the argument loses to the hard-core facts that can be seen be common sense. Marijuana is a drug that remains illegal. Users can continue to buy it on the streets, where it belongs. Prohibition is something that should remain for the good of theShow MoreRelatedThe Legalization Of Marijuana Legalization1061 Words   |  5 PagesThe Legalization of Cannabis in Ohio Marijuana is a controversial topic all across the United States. Recently marijuana has been voted on, legalized, and denied legalization in multiple states. There are still more states trying to fight the green fight for marijuana. The fight for legalization hasn’t been an easy one for cannabis supporters; they have been fighting tooth and nail to make it happen. 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According to the National Survey on Drug Use and Health, â€Å"95 million Americans age 12 and older have tried pot at least once, and three out of every four illicit-drug users reported using marijuana within the previous 30 days† (ONDCP). The decriminalization and eve ntually legalization for the recreational use of marijuana will bring forth benefitsRead MoreThe Legalization Of Marijuana Legalization1282 Words   |  6 Pages On November 8th, 2016, the California Marijuana Legalization Initiative may be included on the ballot. The people of California will vote on whether to legalize the recreational use of cannabis for adults. The move targets at regulating the consumption of the drug and taxing it like other legalized drugs. California was the first state to legalize medical marijuana in 1996 (National Institute of Drug Abuse). The state prohibited any legal actions from being taken on patients and recognized caregiversRead MoreThe Legalization Of Marijuana And Marijuana Essay1314 Words   |  6 PagesMarijuana or Cannabis is one of the bused drugs in America and the rest of the world. Interesting accumulating evidence show that the significant negative impact of this drug outweighs the positive effects. However, the medical benefits of the drug seem on the process of chemical compounds as compared to the drug itself. Medical debates show that chemical compound in marijuana are the problem as compared to the plant. The said chemical compound affects the mental and physical health of the personsRead MoreThe Legalization Of Marijuana Legalization1660 Words   |  7 PagesKyler Smith 9/15 â€Å"Marijuana Legalization† The legality of cannabis varies from country to country. Possession of cannabis is illegal in most countries and has been since the beginning of widespread cannabis prohibition in the late 1930s. However, possession of the drug in small quantities had been decriminalized in many countries and sub-national entities in several parts of the world. Furthermore, possession is legal or effectively legal in the Netherlands, Uruguay, and in the US states of ColoradoRead MoreThe Legalization Of Marijuana Legalization996 Words   |  4 Pages the monetary gain of its legalization for most has been productive to say the least. For example, Denver Colorado is on track to more than triple the marijuana tax revenue this year alone. $44 million was collected in 2014. In July 2015, 73.5 million was collected, while 19.6 million went to schools. A place such as Chicago could really use the legalization to help with the school system infrastructure issues they have. With a deficit of over 1.1 bi llion marijuana sales could alleviate bothRead MoreLegalization of Marijuana1550 Words   |  7 PagesLegalization of Marijuana: Benefits and Statistics The topic of legalizing marijuana has been a topic of controversy for quite some time now not only throughout our local streets, but throughout the local and into the state government. The legalization of marijuana is such a controversial topic because some are for it and some are against it. People are for the legalization because of the great uses it has towards medicine, the money that could come from the taxation of legalized marijuana, andRead MoreLegalization of Marijuana972 Words   |  4 PagesOn January 1st the states of Colorado and Washington officially began the regulation of legal marijuana sales. Thousands of people from all over the country including tourists from Wisconsin, Ohio, Chicago, and even Georgia lined up out front of dispensaries to make a purchase. Recreational marijuana is being regulated and monitored like alcohol; you must be at least 21 years old to make a purchase. The drug, which is controversial in many states’ legislations, is currently l egal for medical useRead MoreMarijuana Legalization1212 Words   |  5 PagesMarijuana Legalization COMP 1500 April 20th, 2009 Word Count: 807 Outline I. Introduction Thesis Statement: Although America is the land of the free you do not really have  too many  free choices you can make. Americans  should have  the right to  choose whether or not  marijuana should be legal. II. Background III. The tax benefits that can be created A. If legalized they can tax it how ever much they want B. Can be regulated IV. Drug enforcement money can be diverted

Consumer Buying Behavior for Life Insurance Free Essays

string(224) " player also to enter the Indian field; and made some provision for foreign insurance companies that if they want to enter the Indian market they can do so but to the extent of 26 % of share only with any of Indian partner\." Consumer buying behavior is nothing but their needs, which arouse them to buy. There is hierarchy of need from high level to low level. They initiate to buy their high level need after completed that they move for another need. We will write a custom essay sample on Consumer Buying Behavior for Life Insurance or any similar topic only for you Order Now Consumers 1st recognize their need or problem then gather information about that product. They get many alternatives regarding that product then they evaluate each and every criterion, which give them bundle of attribute towards that product. Now they choose among one of them to buy and they make decision to buy that product. There are some factors influence them to buy. These are cultural factor, social factor and demographic factors. ? Culture factors include their region, culture and their social classes, which is based on their education and occupation. ? Social factors include reference, groups and family, which influence them to buy according to their choice. People buy product according to its role and status. ? Demographic factors includes age group, personality, occupation, life style etc. people buy product according to under comes all these factors. Introduction Insurance has got its origin from the concept of Indemnity. Indemnity against to loss, it has occurred due to some unavoidable circumstances. To some, the concept of insurance has got its origin related to the uncertainty in the life. Uncertainty has been the integral part of everyone’s life, be the uncertainty in terms of money, uncertainty in terms of life etc. Throughout the tenure every other individual’s effort is directed towards avoiding this uncertainty. The concept of insurance has got its origin from this very effort of avoiding the uncertainty. Though it is not possible to avoid the uncertainty, it is highly possible to compensate the loss, which has occurred VIGNANA JYOTHI INSTITUTE OF MANAGEMENT, HYDERABAD Page 6 CONSUMER BUYING BEHAVIOR FOR LIFE INSURANCE POLICY due to happening of this uncertainty. This compensation of unavoidable circumstances (uncertainty), which has occurred, is known as Insurance. It is the pooling of funds by many to compensate the loss of few, whereby many individuals pool themselves together to create a fund in order to compensate the loss that has occurred to the few. Insurance as we know today can be traced to the Great Fire of London which, in 1666 AD, destroyed 13200 houses. In the aftermath of this disaster, Nicholas Barbon opened an office to insure buildings. In 1680, he established England’s first fire insurance company, â€Å"The Fire Office†, to insure brick and frame homes. Gradually the concept of insurance came to be understood as a contract that offered the purchaser protection against the financial loss due to specific incident. Since the risk of financial loss was to be spread amongst the large group of people, the extent of financial loss, In the event of mishap occurred, became less devastating to the individual. Though the concept of insurance is old as history of mankind, back to some 6000 years, it got its presence registered in India somewhere in 1818 with opening up of Oriental Life Insurance Company in Calcutta by Europeans. During those years Indians were considered as substandard and they were forced to give high premium on account of their low profile. However with the continuous effort of few eminent people Indians were later considered as of equal status and they were charged the normal rate, at par with the Europeans. This was majorly due to the establishment of first Indian life Insurance company, Bombay Mutual Life Assurance society in the year 1870. Later on the development of Indian life insurance industry was more fired by the patriotic sentiments and gave rise to number of Indian life insurance companies viz. United India in Madras, National Indian and National Insurance in Calcutta and the Co-operative Assurance at Lahore were amongst those company which was formed to treat the Indian populace at par. With increase in the pressure from Indian intellect, to give the Indian Insurance industry an organized structure, Government of India was forced to pass Life insurance Companies act, 1912 and Provident Fund act. But this was not the end to the suffering of Indian populace that even this act recognized the demarcation between the Europeans and Indian while charging the premium, then came the act of 1938 which not only governed the Life Insurance Industry but also had its spread VIGNANA JYOTHI INSTITUTE OF MANAGEMENT, HYDERABAD Page 7 CONSUMER BUYING BEHAVIOR FOR LIFE INSURANCE POLICY to the Non life Insurance Industry. With the increase in atrocities from all these companies, the demand to amend the prevailing act of 1938 assumed velocity. Thus in the year 1956 the act was passed as Life Insurance Corporation act, 1956 on 19th June, 1956 which called for nationalization of all the Insurance company working in India under one name as Life insurance corporation of India (hereafter LIC). Thus LIC was formed on 1st September 1956, with an objective to spread life insurance especially in rural areas as a mean to provide the protection cover to the life of Indian populace and as tool to help them in the time of financial need at a reasonable cost. Till 1999 LIC was the only life insurance player in Indian Life Insurance field, when government of India decided to amend the then prevailing act prohibiting the private life insurance player to enter the Indian market. It was Insurance Regulatory Authority, 1999 (IRA) that gave the freedom the private players to play in the field. But the basic motive for introducing such an act was not fulfilled as the amended act was meant for only regulation purpose only and not as a development tool and hence the act was further modified to add the element of development to the concept and thus came the current prevailing act i. . Insurance Regulatory and Development Authority (IRDA), 1999. It was further amended to incorporate the element of competitiveness. Thus Government of India via IRDA permitted the private Life Insurance player also to enter the Indian field; and made some provision for foreign insurance companies that if they want to enter the Indian market they can do so but to the ex tent of 26 % of share only with any of Indian partner. You read "Consumer Buying Behavior for Life Insurance" in category "Life" Today almost 15 private life insurance companies are working India, some in wholly owned format and some as a joint venture with foreign company or with Indian company. Together they hold the market share of approx. 24 % in life insurance market. Still LIC holds the kingship with almost 76 % of market share. That’s the good news for the LIC people on one part but on another aspect if we deal that shows the pace at which the private life insurance companies are moving, they are defiantly going to give the tough fight to LIC. The leadership lies not in getting the maximum out of market share but it is there somewhere in understanding the reason for the choice of one product over another one. VIGNANA JYOTHI INSTITUTE OF MANAGEMENT, HYDERABAD Page 8 CONSUMER BUYING BEHAVIOR FOR LIFE INSURANCE POLICY Consumer hierarchy of needIt is important to understand the relevance of human needs to buyer behavior remember, marketing is about satisfying needs). Need as a physiological or psychological deficiency a person feels the compulsion to safety, suggesting that need creates tension that can influence a person’s work attitudes and behavior. Customers set an order for their needs from high level – low level need. They prefer 1st, which is most essential for them, after completed that, they give privilege to next need. There are five needs exist in a hierarchy – Need- Physiological needs such as food, air, water, heat, and the basic necessities of survival need to be satisfied. Safety -Need for a secure environment, protection and stability in the events of day to day’s life, Such as life insurance. It make people tension free about any risk at their life. Society- At the third level we meet our social and belongingness needs i. e. we marry, or join groups of friends, etc. person paying tax according to their income, feels the social responsibility and acceptance by society as a good citizen. Life insurance is also a part of the social needs, which reduce the tax and also cover the risk with the attribution of facilities towards plans. Esteem- Esteem means that you achieve something that makes you recognized and gives personal satisfaction, example writing a book, investment for family obligation or have a pension plan for support at future, which arise self respect insight a person. Self actualization – Self actualization is achieved by few. Here a person is one of a small number to actually do something. For example, Neil Armstrong self-actualized as the first person to reach the Moon. The study of how and why people purchase goods and services is termed consumer buying behavior. The term covers the decision-making processes from those that precede the purchase of goods or services to the final experience of using the product or service. Models of consumer VIGNANA JYOTHI INSTITUTE OF MANAGEMENT, HYDERABAD Page 9 CONSUMER BUYING BEHAVIOR FOR LIFE INSURANCE POLICY buying behavior draw together the various influences on, and the process of, the buying decision. They attempt to understand what happens within the consumer between his or her exposure to marketing stimuli and the actual decision to purchase. Characteristics of Indian consumer behavior The Indian consumers are noted for the high degree of value orientation. Such orientation to value has labeled Indians as one of the most discerning consumers in the world. Even, luxury brands have to design a unique pricing strategy in order to get a foothold in the Indian market. Indian consumers have a high degree of family orientation. This orientation in fact, extends to the extended family and friends as well. Brands with identities that support family values tend to be popular and accepted easily in the Indian market. Indian consumers are also associated with values of nurturing, care and affection. These values are far more dominant that values of ambition and achievement. Product which communicate feelings and emotions†¦ What is insurance? Insurance is a policy from a large financial institution that offers a person, company, or other entity reimbursement or financial protection against possible future losses or damages. The meaning of insurance is important to understand for anybody that is considering buying an insurance policy or simply understanding the basics of finance. Insurance is a hedging Instrument used as a precautionary measure against future contingent losses. This instrument is used for managing the possible risks of the future. What is life insurance? Life Insurance is the key to good financial planning. On one hand, it safeguards your money and on the other, ensures its growth, thus providing you with complete financial well being. Life Insurance can be termed as an agreement between the policy owner and the insurer, where the insurer for a consideration agrees to pay a sum of money upon the occurrence of the insured individual’s or individuals’ death or other event, such as terminal illness, critical illness or VIGNANA JYOTHI INSTITUTE OF MANAGEMENT, HYDERABAD Page 10 CONSUMER BUYING BEHAVIOR FOR LIFE INSURANCE POLICY maturity of the policy. Life insurance plans, unlike mutual funds, are beneficial when you look at them as a long term avenue of investment which also offers protection through life cover. Life insurance policies are broadly categorized into two Types- Traditional Plans ? Unit Linked Insurance Plans (ULIPs) Traditional planTraditional policies offer in-built guarantees and define maturity benefits through variety of products such as guaranteed maturity value. The investment risk in traditional life insurance policies is borne by life insurance companies. Additionally, the investment decisions are regulated to a large extent by IRDA rules and regulations, ensuring stable returns with minimal risk. Investment income is distributed amongst the policy holders through annual bonus. These policies are ideal for policy holders who are not market savvy and do not wish to take investment risks. Term planTerm Insurance helps the customers in safeguarding their families from financial worries that rise due to unfortunate circumstances. Term plans are pure risk cover plans with or without maturity benefits. These pure risk plans cover your life at a nominal cost Term plans also let you avail the benefit to cover your outstanding debts like mortgage, home loan etc. In case of something happens to you, the financial burden is borne by the insurance company and not your loved ones. VIGNANA JYOTHI INSTITUTE OF MANAGEMENT, HYDERABAD Page 11 CONSUMER BUYING BEHAVIOR FOR LIFE INSURANCE POLICY Term plan offers following benefits? High insurance Cover at lower costs ? Financial security against loans and mortgages, ? Single premium payment option available Whole life policy? As the name suggests, a Whole Life Policy is an insurance cover against death, irrespective of when it happens. ? Under this plan, the policyholder pays regular premiums until his death, following which the money is handed over to his family. Endowment policyCombining risk cover with financial savings, endowment policies is the most popular policies in the world of life insurance. In an Endowment Policy, the sum assured is payable even if the insured survives the policy term. ? If the insured dies during the tenure of the policy, the insurance firm has to pay the sum assured just as any other pure risk cover. ? A pure endowment policy is also a form of financial saving, whereby if the person covered remains alive beyond the tenure of the policy; he gets back the sum assured with some other investment be nefits. In addition to the basic policy, insurers offer various benefits such as double endowment and marriage/education endowment plans. The cost of such a policy is slightly higher but worth its value. Money back policy? These policies are structured to provide sums required as anticipated expenses (marriage, education etc) over a stipulated period of time. With inflation becoming a big issue, companies have realized that sometimes the money value of the policy is eroded. That is VIGNANA JYOTHI INSTITUTE OF MANAGEMENT, HYDERABAD Page 12 CONSUMER BUYING BEHAVIOR FOR LIFE INSURANCE POLICY why with-profit policies are also being introduced to offset some of the losses incurred on account of inflation. ? A portion of the sum assured is payable at regular intervals. On survival the remainder of the sum assured is payable. ? ? In case of death, the full sum assured is payable to the insured. The premium is payable for a particular period of time. Annuities and pensionIn an annuity, the insurer agrees to pay the insured a stipulated sum of money periodically. The purpose of an annuity is to protect against risk as well as provide money in the form of pension at regular intervals. Over the years, insurers have added various features to basic insurance policies in order to address specific needs of a cross section of people. ULIP planUnit linked insurance plan (ULIP) is life insurance solution that provides for the benefits of risk protection and flexibility in investment. The investment is denoted as units and is represented by the value that it has attained called as Net Asset Value (NAV). The policy value at any time varies according to the value of the underlying assets at the time. In a ULIP, the invested amount of the premiums after deducting for all the charges and premium for risk cover under all policies in a particular fund as chosen by the policy holders are pooled together to form a Unit fund. A Unit is the component of the Fund in a Unit Linked Insurance Policy. The returns in a ULIP depend upon the performance of the fund in the capital market. ULIP investors have the option of investing across various schemes, i. e. , diversified equity funds, balanced funds, debt funds etc. It is important to remember that in a ULIP, the investment risk is generally borne by their investor. Life insurance companies in IndiaIn India, Insurance is a national matter, in which life and general insurance is yet a booming sector with huge possibilities for different global companies, as life insurance premiums ccount to 2. 5% and general insurance premiums account to 0. 65% of India’s GDP. The Indian Insurance sector has gone through several phases and changes, especially after 1999, when the Govt. of VIGNANA JYOTHI INSTITUTE OF MANAGEMENT, HYDERABAD Page 13 CONSUMER BUYING BEHAVIOR FOR LIFE INSURANCE POLICY India opened up the insurance sector for private companies to solicit insuran ce, allowing FDI up to 26%. Since then, the Insurance sector in India is considered as a flourishing market amongst global insurance companies. However, the largest life insurance company in India is still owned by the government. Top 5 life insurance Company in India? Life Insurance Corporation of India (LIC): This remains the largest insurance company in India and is owned by the government. In 2008, LIC accounted for 64 percent market share. Although it is still the market leader, the company has to battle against the innovative strategies and better sales force of private enterprises. Life Insurance Corporation of India (LIC) registered an 83 per cent increase in new business income in March 2010, while private players posted a 47 per cent growth in new business premium. ICICI Prudential Life Insurance: This life insurance companies has attracted a loyal customer base with great customer support and a wide range of cheap policies to choose from. ? Bajaj Allianz general Insurance: This private company has been rising steadily in terms of market capture. It now sells the second most number of insurance policies in India after LIC and has been growing at a fast pace since 2006. ? Birla Sun Life Insurance: Thi s Company has played its cards well. It offers a variety of insurance policies for the customers to choose from, provides them with attractive deals and offers great customer service and support. There is no reason why people shouldn’t prefer this one. VIGNANA JYOTHI INSTITUTE OF MANAGEMENT, HYDERABAD Page 14 CONSUMER BUYING BEHAVIOR FOR LIFE INSURANCE POLICY ? SBI Life: Though a little slow on the marketing propaganda, SBI Life has been consistently growing in the Indian life insurance market because of good service and a great brand image. Consumer perception for life insurance – According to the need life insurance is the second need of people, because nobody knows about future. Life is suffering from full of risk and incidents. Nobody knows that what would be a financial condition in coming time. To be secure about future people are speedily holding insurance policy. Insurance is actually a protection against economic loss, by sharing the risk with others. â€Å"Consumers need Life Insurance because typically the need for income continues for those who are financially dependent on them, but there is no guarantee of their ability to earn consistently and for the rest of their life. Life insurance can help them safeguard the financial needs of their family. This need has become even more important due to steady disintegration of the prevalent Joint family system and emergence of nuclear families. The need to protect their family’s ever growing needs is why they need Life Insurance†. Consumer buying behavior for buying life insurance policyA consumer buying behavior starts from need/requirement for product, then evaluation about product and decide product, which gives better satisfaction then take decision for buying. ? Need- Need or requirement is a primary model for buying a life insurance. A need arouse people to act of buy. Different person have different purpose for buying life insurance such as: investment for future security or family obligation (children education, children marriage) or risk cover. If there are individuals who depend on you for financial support, or if you work at home providing your family with such services as child care, cooking, and cleaning, you need life insurance. Older couples also may need life insurance to protect a surviving spouse against the possibility of the couple’s retirement savings being depleted by unexpected medical expenses. And individuals with substantial VIGNANA JYOTHI INSTITUTE OF MANAGEMENT, HYDERABAD Page 15 CONSUMER BUYING BEHAVIOR FOR LIFE INSURANCE POLICY assets may need life insurance to help reduce the effects of estate taxes or to transfer wealth to future generations. Information search- After recognize need, they search for limited amount of information regarding loyal companies, and its plan according to their desire. At the next level the person may enter an active information search: looking for regarding insurance, phoning friend, go online, meet to salesman and advertisement are rich source to gather information. ? Evaluation of alternatives- Having information about many companies, they evaluate which company giving better plan according to their’ admire within the budget. Second they look for certain benefits from the policy and stability of company. Third customer see Each insurance as a bundle of attributes with varying abilities for delivering the benefit sought to satisfy their need such as: ? ? Face Value — The original death benefit amount. Convertibility — Option to convert from one type of policy to another (whole life), usually without a physical examination. ? ? ? ? Cash Value — The savings portion of a policy that can be borrowed against or cashed in. Premiums — Monthly, quarterly, or yearly payments required to maintain coverage. Beneficiary — The individual(s) or entity (trust) that is designated as benefit recipient. Paid Up — A policy requiring no further premium payments due to prepayment or earnings. ? â€Å"Customers evaluate all positive and negative point of services according to importance and give preference to a better plan provided by company. † Purchase decision-. In the evaluation stage, customer form preference among the company, full filling their requirements. But there are few factors, which can divert consumer mind set. ? Other person can make them advice for another investment like: share market, bond, mutual fund and bank deposit or other alternatives. VIGNANA JYOTHI INSTITUTE OF MANAGEMENT, HYDERABAD Page 16 CONSUMER BUYING BEHAVIOR FOR LIFE INSURANCE POLICY ? ? ? ? ? ? ? An unsatisfied policy holder can divert their mind. Customer is not getting a loyal salesperson. Customer is influenced by perceived risk for losing money. The policy is not giving up as ones expected. They attracted for other best investment. Ones may be a policy holder and not getting benefit as ones expected, so he is not getting decision for buy. Customer may be from rural area, he is not getting belief at company cause of conservative thinking. â€Å"If Customers get satisfaction struggling from these all factor, then they make decide for buy insurance policy. The Purchase Decision The purchase decision in general is prompt by number of factors viz. Psycho graphical, Economical, Social, Political legal and Demographical. The list is not exhaustive but it is sufficient to have the deep understanding of the factors influencing the decision. Psycho graphical Factors are those factors, which includes the behavioral aspect of the individual viz. lifestyle, living standard. Here purchase decision in influenced by those issues that affect the lifestyle of the consumer or in the other that reflects the status. For e. g. purchase decision related to buying of car and that to Mercedes Benz. Talking specifically to the insurance sector, here customer will buy only that policy that has got high premium or that type of policy which company is promoting to limited high-income level group only. For e. g. â€Å"Classic Life premier† policy of Birla Sun life insurance is meant for only those individual who can pay at least Rs. 25000/- per annum. Economical factorEconomical factors affect the purchase decision by influencing the issues pertaining to money and income level of the individual. Consumer will buy only that product which will not have any VIGNANA JYOTHI INSTITUTE OF MANAGEMENT, HYDERABAD Page 17 CONSUMER BUYING BEHAVIOR FOR LIFE INSURANCE POLICY negative effect on his pocket. For e. g. decision to buy an insurance policy is influenced by the deepness in the pocket. Social factorSocial factor affect the purchase decision by influencing the issues pertaining to social beliefs and morals. Person influenced by group and their family members. They buy mostly same plan from same company whether their friends or family members have it. Some time if ones want to buy a new plan from other companies, their family member remorse them to buy it. Political factorsPolitico legal is the macro level environment. It effects in a way, say IRDA has restricted the sale of Key Man Insurance policy through Term Plan only. Demographic factorDemographical factor is that factor which has got the maximum of its effect in the purchase decision of the product and especially if that product is life insurance product. It is so because these factors incorporate other above said factors and includes those factors that can influence the buying decision to maximum extent viz. Occupational factor (service/business), Age factor, Gender, Marital status factor and Income level etc. It cannot be denied that buying decision of the individual who is unmarried and is into business, having the income level of the range Rs. 2. 4 lakhs per annum, is into the age group of say 25 years have the entirely different approach towards purchase of the life insurance policy with the individual who is into service and is married, is into the age group of, say 35, and is earning Rs. 30000/- per month. Keeping the above phenomena under consideration a study was conducted to know exactly to what extent Demographical factor has got its influence in purchase decision of the life insurance product. VIGNANA JYOTHI INSTITUTE OF MANAGEMENT, HYDERABAD Page 18 CONSUMER BUYING BEHAVIOR FOR LIFE INSURANCE POLICY The Study This study, which was conducted in the city of Bangarmau (Utter Pradesh), covered almost 50 individual of different status. The duration of the study was almost one month. The method which we used to collect the information was through questionnaire and personnel interview. The data so collected was grouped according to the company of the consumer’s choice from where they have purchased the product and further it was analyzed that what was the demographic profile of that consumer and result was thus generalized. The study covered 50 individuals, of which 84 % were found insured and 16 % uninsured. Of the total insured 75% were from 21-45 age group and 25 % were from age group 46-60. It was 78 % of the male who was there in the total insured and rest 22% were female. Occupation wise 40 % of the total insured were into service and 60 % into business. Thus the overall penetration of companies in to the psyche of consumer buying preference (based on the customer’s purchase of a company’s life insurance policy) is given in the graph as under: Types of consumer- There are two kinds of customers according to their region? Urban customer? Rural customer- I did my research in rural area. It is my home town name is Bangarmau. I find that people having lack of knowledge and awareness about life insurance. Here insurance adviser playing a vital role to make them aware and convenience them for buying life insurance policy. In the exact word I can say that people don’t buy policy here, they buy belief of adviser. They buy it on the basis of reputation and loyalty of insurance adviser. Here customer do not worry about their security, they buy it as a investment, which should give them good return in very short of time. I find that if adviser does not push them for having life insurance, number of people would be very less to buy life insurance. VIGNANA JYOTHI INSTITUTE OF MANAGEMENT, HYDERABAD Page 19 CONSUMER BUYING BEHAVIOR FOR LIFE INSURANCE POLICY The main factor is unawareness, that’s why they do not believe at Pvt Company. They have fear about lost their money, because they don’t know what IRDA is and what it is work. QuestionnairesI prepared 13 questionnaires to know about consumers’ perception for buying life insurance policy. 1-Whether you have life insurance policy? life insurance 50 40 30 20 10 0 yes No 8 yes No 42 2- As what purpose did you buy it? VIGNANA JYOTHI INSTITUTE OF MANAGEMENT, HYDERABAD Page 20 CONSUMER BUYING BEHAVIOR FOR LIFE INSURANCE POLICY policy holder investment family obligation saving tax 10% 19% 71% 3-If yes, which company life insurance you have? COMPANY NO. OF POLICY (x-8. 4) HOLDER (x) S. D. LIC SBI Reliance ICICI Bajaj 26 4 6 0 6 17. 6 -4. 4 -2. 4 -8. 4 -2. 4 9. 11 I did survey around 50 people at Bangarmau. I find that consumer mostly prefer LIC for life insurance. Actually it is a business town and people do not have enough knowledge about regulatory authority, that’s why they do not believe on other Pvt. companies. I got above 60% people have policy of LIC out of 42 policyholder. VIGNANA JYOTHI INSTITUTE OF MANAGEMENT, HYDERABAD Page 21 CONSUMER BUYING BEHAVIOR FOR LIFE INSURANCE POLICY Three more Pvt. Insurance companies are providing service at Bangarmau, but consumers are less responsive for those companies, it is less than 40 % customer hold by these companies. Mean for all these customer towards company is 8. 4 and standard deviation is 9. 11. 4-What was the source of medium, you buy it? T. V. Insurance adviser Other 6 34 2 Here customer do not go at company to buy policy, they always need a agent to make them understand about the better plans and companies, which is good service responsiveness. Those people belong to the service sector, they influenced towards TV and other sources for buying policy -What is the feature of your policy attracted to you? Low premium High risk coverage Money back guarantee Reputation of company Agents convictions 2 2 12 3 23 VIGNANA JYOTHI INSTITUTE OF MANAGEMENT, HYDERABAD Page 22 CONSUMER BUYING BEHAVIOR FOR LIFE INSURANCE POLICY Most of the policyholder in this region are businessman, they need only high growth of their money that’s why they maximum attracted by money back guarantee, but agent attracted them a lot. They make them understand better plans. Customer influenced by agents behavior and they believe upon company, what they suggest them. -Now you are satisfied with your policy? Satisfied Not satisfied Not respondent 36 4 2 7- People perception at appropriate age for buying life insurance policy? VIGNANA JYOTHI INSTITUTE OF MANAGEMENT, HYDERABAD Page 23 CONSUMER BUYING BEHAVIOR FOR LIFE INSURANCE POLICY Age No. (X) Mean Standard deviation lt; 25 year 25-34 35-44 45-54 55-64 65 above 3 15 12 5 5 2 0. 6 3 2. 4 1 1 0. 4 1. 07 5. 36 4. 29 1. 78 1. 76 0. 71 Customer belongs to 25 -45 maximum prefer the insurance policy sake of growth of money and saving the tax. People, who are less than 25 year are students, How to cite Consumer Buying Behavior for Life Insurance, Essays

Marketing Advertisement and Promotions of Skoda †Free Samples

Question: Discuss about the Marketing Advertisement and Promotions of Skoda. Answer: Introduction The development of a positive insight is becoming central to Skodas marketing strategy. Marketing is the method to develop as well as implement a strategy for planning as well as co-ordinating means to identify, anticipate as well as satisfy the demands of the customers, in the manner of making profits or satisfying a range of other goals of marketing. This process of strategic planning is regarded as the core aspect of marketing. The marketing strategy of Skoda is having the involvement of different approaches. There takes place the designing of the strategic aspect towards communicating brand messages clearly via the promotional mix, while expressing the values of the brand as well as the experience regarding ownership. Target Segment for Skoda Octavia Marketers are required understanding the customers that they are targeting for the Skoda Octavia campaign. The Octavia will be having a clear identification of a new target market. The target segment for the Octavia owners are supposed to be younger, family men as well as working women and those that are highly qualified as well as are in professional occupations (Hair, 2015). Socio-economic grouping will be providing an authentic picture of the association within the occupation as well as income and also assists in providing a basis to understand their priorities as well as requirements. Regarding the media consumption, those interested in purchasing the Octavia will be interested in reading more broadcast newspapers (Baines, 2017). The development of a positive insight is becoming central to Skodas marketing strategy. Marketing is the method to develop as well as implement a strategy for planning as well as co-ordinating means to identify, anticipate as well as satisfy the demands of the customers, in the manner of making profits or satisfying a range of other goals of marketing. This process of strategic planning is regarded as the core aspect of marketing. The marketing strategy of Skoda is having the involvement of different approaches. There takes place the designing of the strategic aspect towards communicating brand messages clearly via the promotional mix, while expressing the values of the brand as well as the experience regarding ownership (Engelhardt, 2013). The activities relating to marketing take into consideration the following aspects, Exposure to marketing events organized in the national level as well as at the dealer level Campaigns relating to test-driving A test drive named The Skoda Challenge at dealerships where invitation are sent to the potential consumers for driving the Skoda car as well as cars of competitive brands Press advertisements at the local as well as national levels Television advertising regarding the values of the brands Public relations as well as activities regarding publicity with the print media as well as the broadcast media Activities regarding local sponsorship Dealers marketing in which dealers are provided the encouragement for integrating their marketing into national endeavours to have maximum impact. This is having the involvement to sponsor domestic events as well as to devise rewards for customers regarding customer loyalty (Ellwood, 2014). Skoda is having various communication goals to market the Octavia. These are, The Octavia is considered being a entirely new as well as modern car for appealing to various car segment consumers Skoda customers are getting much more in respect of their money in comparison to the models of the competitors The designing of Octavia is done with similar standards of quality like any products of Volkswagen Group The Octavia experience is considered being a Skoda experience (Kral, 2016) The advertising campaign in respect of Octavia will be comprising of clear-cut messages that should communicate the manner things should exist, which will show the design as well as specification of the car. This subject matter will be taking place across press, posters as well as television advertising, which will be explaining an exceptional marketing territory in respect of Skoda. This will be to communicate the experience regarding ownership as well as value of brands. Skoda has also assisted the dealers in the preparation of growth via marketing as well as product training (Kiezel, 2016). The press strategy is focusing on the aspect of communicating the ways by which Skoda did the changing of the involvement as well as investment of Volkswagen, new products, related products, new factories, new manufacturing plants, dealers and so on. All the aspects regarding the brand as well as the ways by which it is operating was communed to the press as well as public for creating a new understanding regarding the brand. Positioning is having the involvement of developing traits regarding the marketing mix like product as well as pricing in a manner that will be taking into consideration the views as well as insights of the customers. Simultaneously, the positioning process will be providing the products of Skoda with the major advantages over other products in every segment of the market. Skodas range of product is priced towards the markets lower end. With the Octavia, Skoda will be aiming towards, Satisfying the future needs of the market Setting the trend as well as pace regarding further growth Presenting as well as developing its individual identification Communicating the transformation of the Skoda brand Skoda Octavia is being positioned as a spacious as well as comfortable car blended with style. The unique selling proposition of the car is that it is spacious, comfortable as well as an experience for driving smoothly (Sethna, 2016). SWOT Analysis Strengths (S) Weaknesses (W) Having an engine that is smooth as well as refined assisted with better suspension Spacious interiors as well as legroom as well as headroom for the passengers Brand ownership that appeals to the target segment Having a brand name with a high recall within the target segment Presence of the assembly parts in countries such as Czech Republic, India, Russia, China and so on Being awarded as well as identified to be the finest cars in its section Skoda Octavia is not being able to penetrate into the economies that are emerging like the other competitive brands The product is slightly costly but has not been able to do the capturing of the premium market in relation to its potentiality Opportunities (O) Threats (T) Collaborating with the automobile entities for penetrating deeper within the market via distribution as well as servicing network Augmentation of the automobile market To attract increasing number of middle income class consumers via intensive channels of distribution (Pelkonen, 2014) The implementation of rapid technological innovations in upcoming cars Strong competition from the national car manufacturers Emergence of the future as well as concept cars (Russell-Jones, 2014) Message theme: Cognitive A cognitive message strategy will be presenting rational arguments for the customers. The designing of these message strategies are done for influencing the cognitive element regarding the attitude that is dealing with the beliefs as well as knowledge. When there occurs the use of a cognitive message strategy, the key message relating to the advertisement is concerned with the characteristics as well as advantages of Skoda Octavia models (Bax, 2013). Cognitive message strategies can be divided into five different kinds, which are considered as generic, pre-emptive, unique selling proposition, hyperbole as well as comparative. A standard cognitive message strategy is communicating directly the traits or advantages of Skoda Octavia models without claiming any kind of supremacy over other brands. This strategic aspect will be working in an effective manner when an organization is regarded as leader of the market. A pre-emptive cognitive message is having a strong claim depending upon th e particular traits or advantages regarding the Skoda Octavia models (Bauer, 2016). A unique selling proposition message strategy is focusing on a testable claim of distinctiveness regarding unique customer advantage. Unique Selling Proposition The unique selling proposition is considered to be an effective one since it is providing the customers with a clearly distinguished reason for selecting the Skoda Octavia brand over the other competitive brands. Moreover, when the brand will be possessing an ongoing competitive advantage, then the advertisement will be exploiting it (Hollis, 2013). Affective strategies Affective message strategies are designed for invoking feelings as well as emotions and matching them with the product or service regarding Skoda Octavia. The affective messages are seeking towards enhancing the product likeability, building the recall regarding the appeal, increasing the understanding of the advertisement as well as eliciting the emotional aspects that will be in turn influence the reasoning process of the customers and ultimately leading towards action (Rudolph, 2013). Affective strategies are falling into two segments viz., resonance as well as emotional. Resonance advertising is attempting towards connecting the Skoda Octavia models with the previous experiences of the customers towards developing stronger connections within the product as well as the customer. Emotional advertising is attempting towards eliciting strong emotions that are ultimately leading towards product recall as well as preferences that includes trust, dependability, security and so on (Moriarty, 2014). Luxury The luxury strategy is aiming towards the creation of the biggest brand value as well as pricing power by leveraging each and every intangible components relating to singularity that includes time, heritage, craftsmanship, respected customers and so on. This strategy is considered being the most effective strategy in the market. Safety Safety management within Skoda is considered being a legal compulsion that will be safeguarding against liabilities and will be reducing the lasting expenses of conducting business. The traits associated with the safety strategy are the having the desired style of management, selecting each and every safety programs, measuring the advancement as well as the continuous plan for communication (Buil, 2013). Allocation of budget Quarterly Advertisement Budget Category Q1 Q2 Q3 Q4 Total Expenses % of Total Total Expenses % of Total Total Expenses % of Total Total Expenses % of Total National Marketing $500.00 2% $200.00 1% $500.00 2% $400.00 2% Banner Ads $500.00 100% $200.00 100% $500.00 100% $400.00 100% Local Marketing $1,500.00 6% $1,500.00 7% $1,500.00 6% $1,500.00 6% Newspaper $600.00 40% $600.00 40% $600.00 40% $600.00 40% In-store Marketing $400.00 27% $400.00 27% $400.00 27% $400.00 27% POP $500.00 33% $500.00 33% $500.00 33% $500.00 33% Public Relations $1,800.00 8% $1,800.00 8% $1,800.00 8% $1,800.00 7% Public Events 0% 0% 0% 0% Sponsorships 0% 0% 0% 0% Press Releases $1,800 100% $1,800 100% $1,800 100% $1,800 100% Webinars 0% 0% 0% 0% Conferences 0% 0% 0% 0% Client Events 0% 0% 0% 0% Content Marketing $1,200.00 5% $1,200.00 5% $1,200.00 5% $1,200.00 5% Sponsored Content 0% 0% 0% 0% Landing Page $1,200.00 100% $1,200.00 100% $1,200.00 100% $1,200.00 100% White Papers/eBooks 0% 0% 0% 0% Social Media $600.00 3% $600.00 3% $600.00 3% $600.00 2% Twitter $100.00 17% $100.00 17% $100.00 17% $100.00 17% Facebook $100.00 17% $100.00 17% $100.00 17% $100.00 17% Pinterest $100.00 17% $100.00 17% $100.00 17% $100.00 17% Instagram $100.00 17% $100.00 17% $100.00 17% $100.00 17% Google+ $100.00 17% $100.00 17% $100.00 17% $100.00 17% LinkedIn $100.00 17% $100.00 17% $100.00 17% $100.00 17% Online $800.00 3% $800.00 3% $800.00 3% $800.00 3% Blog $800.00 100% $800.00 100% $800.00 100% $800.00 100% Website 0% 0% 0% 0% Mobile App 0% 0% 0% 0% Mobile Alerts 0% 0% 0% 0% Email Newsletter 0% 0% 0% 0% TOTALS $23,685 100% $23,050 100% $23,685 100% $25,460 100% Conclusion To conclude, it can be stated that the advertising campaign in respect of Octavia will be comprising of clear-cut messages that should communicate the manner things should exist, which will show the design as well as specification of the car. This subject matter will be taking place across press, posters as well as television advertising, which will be explaining an exceptional marketing territory in respect of Skoda. This will be to communicate the experience regarding ownership as well as value of brands. Skoda has also assisted the dealers in the preparation of growth via marketing as well as product training. The press strategy is focusing on the aspect of communicating the ways by which Skoda did the changing of the involvement as well as investment of Volkswagen, new products, related products, new factories, new manufacturing plants, dealers and so on. References Baines, P., Fill, C., Rosengren, S., Antonetti, P. (2017).Fundamentals of Marketing. Oxford University Press. Bauer, T., Perrey, J., Freundt, T., Gordon, J., Spillecke, D. (2016).Marketing Performance: How Marketers Drive Profitable Growth. John Wiley Sons. Bax, S., Woodhouse, P. (2013).Cambridge marketing handbook: communications. Kogan Page Publishers. Buil, I., De Chernatony, L., Martnez, E. (2013). Examining the role of advertising and sales promotions in brand equity creation.Journal of Business Research,66(1), 115-122. Ellwood, I. (2014).The Economist: Marketing for Growth: The Role of Marketers in Driving Revenues and Profits. Perseus Books Group. Engelhardt, M. (2013). Cause related marketing in the automotive industry. Erevelles, S., Fukawa, N., Swayne, L. (2016). Big Data consumer analytics and the transformation of marketing.Journal of Business Research,69(2), 897-904. Hair, J. F. (2015).Essentials of business research methods. ME Sharpe. Hollis, N. (2013). What Makes Your Brand Meaningfully Different?. InThe Meaningful Brand(pp. 39-51). Palgrave Macmillan US. Kie?el, M., Wiechoczek, J. (2016). Internet-based Marketing Tools for Customer Engagement Management. InVenice: The proceedings of the International Marketing Trends Conference. Krl, P., Machek, M., Karel, T. (2016). Comparative Advertising in the Czech Republic: An Empirical Study.Central European Business Review,5(4), 34-46. Moriarty, S., Mitchell, N. D., Wells, W. D., Crawford, R., Brennan, L., Spence-Stone, R. (2014).Advertising: Principles and practice. Pearson Australia. Pelkonen, P. (2014). Utilizing social media in marketing and brand building. Rudolph, T., Schlegelmilch, B. B., Franch, J., Bauer, A. (2013). DIVERSITY IN EUROPEAN MARKETING. Russell-Jones, N. (2014).Marketing pocketbook. Management Pocketbooks. Sethna, Z., Blythe, J. (2016).Consumer Behaviour. SAGE.

What is Psychology and How Does It Affect My Life Essays

What is Psychology? How Does It Affect My Life? What is Psychology? The formal definition is the scientific study of behavior and mental process. Some might say it is a matter of common sense. But, that won?t get you very far in your study of psychology. I have had numerous experiences with psychologist. I have a seventeen year old daughter with Asperger?s Syndrome. She didn?t talk until she was four years old. Even then she had to have speech, occupational and some physical therapy. My ten year old son has ADHD, so we have had to meet with several psychologist regarding that. And last but not least, I myself, suffer from Bipolar syndrome. Before my daughter was actually diagnosed with Asperger?s, we had to take her to numerous psychologists. They always diagnosed her as being socially delayed. I finally got her into a psychologist that actually knew what they were talking about, and diagnosed her correctly. Since she didn?t talk they had to basically use behaviorism as their main tool to diagnose her. I have had psychology invol ved in our lives for a long time. Some of the psychologists? have helped and some have not. This is how I have had psychologists? in my life.

Birth of Talkies essays

Birth of 'Talkies' essays Today American, and worldly, society views movies as one of it is most center focus of Entertainment and Media Culture. They started out in disjointed, scratchy, non-real-time clips. Short silent films soon grew into full silent movies. Eventually, piano was added as decorative background music, and then came recorded voices, and before anyone knew it, films had the public wrapped up in their spell. The real kick-off started when four American brothers started a family company. The children of poor Polish immigrants, Jack, Abe, Harry, and Sam Warner opened their own nickelodeon movie theatre in 1903 and began producing films in 1912 (Encarta) . Their real dream was to someday earn enough money to start producing and presenting their own films. Ultimately earning enough money through their work at the movie theatre; they bought the Burbank film lot from First National Pictures in Hollywood, California in 1918 and a half a decade later founded Warner Brothers Pictures Incorporated (Movie) . During the mid-20s they bought the Vitagraph Company, which allowed them to distribute their films directly to nickelodeons. This was a very important step in films evolution. They developed a sound-on-disk process to which voices and music could be recorded on and played at the same time as the movie. The first use of this was in several musicals such as 1927s The Jazz Singer. The very first all talking picture, talkies, was Lights of New York in 1928 ( Vitaphone ) . It not only revolutionized the film industry but also started the era of Hollywood musicals and gangster movies. Audiences loved to be entertained and forget the hard times in the past and just have fun. Spending money on a movie was a great way to just relax and let the world slip by, especially if the movie they saw had sound in it! During World War I, films were mostly used for teaching and propaganda. However, after the wa...

Introduction Business Law Case Study Example | Topics and Well Written Essays - 500 words - 1

Introduction Business Law - Case Study Example Bahrain Consult is obliged to deliver the stated goods to Gulf Retailers premises and the person delivering the goods must confirm the receipt of purchase with the buyer. The contract provides an offer to buy or sell the goods fpor the acceptable price in relation to the offer given according to FOB terms. Bahrain Consult agreed to deliver the stated goods to Gulf Retailers according to the given specifications. Gulf retailers ordered for 300 tons of alluminium at a price of 500 Bahraini per ton. According to article 31 of the business contract law, the supplier is obliged to deliver the goods at the specified place, in the specified quantity and quality and in a timely manner. Article 35 also obliges the Bahrain to deliver the stated goods according to thequantity, quality,a nd other specified describtions. The law only applies if the quantity and time are fixed on the contract. Barhain Consult was bond by the contract that specified the specific goods and the specified quantity to be delivered between 11am and 3pm on Tuesdays. According to article 33, if the CIF contract states that the seller must deliver the goods before payments are made then the seller has no other obtion than to abide by the rule. Gulf Retailers agreed on the contract that Barhrain will recive a deposit of 250 Barhaini Dinars and the balance to be cleared upon arrival of goods. Both parties are bond by the contract and therefore, the buyer is obliged to collect the goods and pay for the balance as per the purchase price agreement. However, article 38 states that the seller has the authority to countercheck the goods with the purchase order before giving out the payments. It was agreed between thew two parties upon the delivery time and day. Article 34 of CIF act provides an obligation for the seller to deliver the goods at the time and place specified in the purchase order. Section II provides an obtion for the third-party to conform the goods and ensure they are delivered

The Danger Of The Encephalitis Essay Example | Topics and Well Written Essays - 500 words

The Danger Of The Encephalitis - Essay Example Before the man could have been successfully diagnosed, other essential information should have been obtained first. For a suspected case of encephalitis based on the symptoms, treatment should be specific for the particular cause of encephalitis (â€Å"Encephalitis Treatment,† 2008). This means to say that before the man in the case study was given medication, a differential diagnosis should have been conducted first. Moreover, in a suspected case of infection, the organism that caused the infection should have been indentifiidentifiedEncephalitis and Meningitis,† 2011). Aside from these information, the patient should have been tested first for a possible allergic reaction to tetanus toxoid for the allergic reactions to this medication are lethal and may even cause encephalitis (Gaublomme, n.d.; â€Å"Encephalitis,† 2010). Allergic reactions to tetanus toxoid are common among those with a history of hay fever, asthma, or other allergies (Gaublomme, n.d.). These a nd other information about the man’s medical history should have been obtained first before he was given tetanus toxoid. Pelosof, L. C. & Gerber, D. E. (2010). â€Å"Paraneoplastic Syndromes: An Approach to Diagnosis and Treatment.† (2010). Mayo Clinic Proceedings. Retrieved Nov. 11, 2011 from the MayoClinic: http://www.mayoclinicproceedings.com/content/85/9/838.full First of all, the man in the case study should have been diagnosed properly, especially with possible allergies to tetanus toxoid, which was the most likely cause of his death through encephalitis (â€Å"Tetanus,† 2011). Moreover, tetanus toxoid could have caused the anaphylactic shock that the man experienced prior to his death (â€Å"Tetanus,† 2011). The cause of his death could not have been a negative interaction between Ceftriaxone and the tetanus toxoid because these two drugs do not have any known harmful interaction (â€Å"Drug Interactions,† 2011).

Assessing patient with cardiocascular accident usingRopLogand Tierey Essay

Assessing patient with cardiocascular accident usingRopLogand Tierey - Essay Example A stroke is when blood flow to a part of brain blocks either by a rupture or a blockage of a blood vessel. Model of Roper, Logan, and Tierney" is recommended as the suitable model for use in intensive care settings (Robb, 1997; Sutcliffe, 1994). Molloy (Pg 176 1996) supports the use of this model in a neonatal situation. Tierney (1998) suggest that this model allows nursing to work directly with medicine, rather than separately which gives the nurse a chance to acquire knowledge of medicine in a manner which is simpler (Roper, Logan & Tierney 2001). The model measures the individual's potential and comparative independence for development. The rationale for choosing this model was based on its integration of nursing care with medication. The model provides a good chance to address my patient conditions where the cost of treatment as per this model is provided by the state. He is suffering from communication, breathing and personal cleansing which most stroke survivor’s experie nce. Diagnosis is an essential process during nursing activities since it assist to set goals of either remedying the situation or sustaining. The cases scenario brought challenge of communication issue, personal cleansing and breathing (Roper, Logan & Tierney 2001). ... Overview Objectives are imperative in that they provide direction in what health care needs to do, and present a principle by which to evaluate whether the objective has been attained (Mason-Whitehead 2008). It provides the anticipation that the patient may recover and illustrates something is being implemented to attain this with the client’s comprehension and participation in the procedure that considers patient’s values and desires during the process (Institute of Medicine 2003). The goal of this assessment is to incorporate Roper, Logan and Tierney Nursing Model, intervention process of the situation and confidentiality requirements of the patient. The goal of stroke treatment is to regain as much independence as possible; Recovery from stroke is a lifetime procedure. For my patient healing begins with formal treatment. It is vital for the nurse and patient family to recognize that no matter where they are in his recovery journey, there is always hope. Partnership a nd coordination is vital for the patient to learn as much as he can about stroke and healing, and utilize the funds those are available with collaboration and advice from the former employee which he was working early before the accident of stroke. Health insurance cover should subsidize his expenses on treatment (Lincoln 2012). This model of nursing ensures that patients are well taken care of even after discharge and gives the nurse in charge, to gain knowledge, learn practical experience and medicine point of view. According to the procedures of (NMC 2008), investigations were done after explanation on all the procedures he would subject to, the common causes of the accident such as hypertension, older age and

Analyzing The Feminine Agenda In Plays English Literature Essay

Analyzing The Feminine Agenda In Plays English Literature Essay In the three dramas, Oedipus Rex, Death of a Salesman, and Macbeth the feminine characters craft their own personal agendas into the lives of the tragic heroes. Jocasta, Linda, and Lady Macbeth are all similar in their dynamic nature, ability to enable, and their need to care for others. The exploration of these similarities can also be considered the driving force which leads to each of the tragic heroes to their ultimate fates. This woman uses female methods of acquiring power- that is, manipulation- to further her supposed male ambition. The remarkable effectiveness of Lady Macbeths manipulation is apparent in several ways. She overrides all of his objections to the plot she construes. When Macbeth hesitates in murdering Duncan, Lady Macbeth persistently taunts his lack manhood and courage until he feels it necessary to prove himself. Interestingly, Lady Macbeth and her husband are presented as being deeply in love. However, many of Lady Macbeths speeches imply that her control over Macbeth is merely sexual. Lady Macbeths strong will persists throughout the murder of the king. Afterwards, however, she begins a slow slide into madness. Just as ambition affects her more so before the crime, so does the guilt afterwards. She falls victim to guilt and madness to a greater extent than her husband. The play implies that women can be as ambitious and cruel as men, but social constraints deny them the opportunitie s to pursue the ambition on their own. By the close of the play, Lady Macbeth has been reduced to sleepwalking and attempting to remove invisible bloodstains. When the plague of guilt has finally done its worse, Lady Macbeths sensitivity becomes her weakness. Subsequently, her husbands cruelty and her own guilt recoil on her, sending her into a madness which she is unable to cope with. In the end, she drives herself mad because of her guilt over the murders and she apparently kills herself. Linda Loman is Willys link to reality. She serves as a force of reason throughout the play. Linda is by far the toughest, most realistic, and most levelheaded character in the play. She sees what her husband is going through. Despite all of his failures and weaknesses, she supports him, loves him, and occasionally enables his behavior. Linda realizes that Willy is just an ordinary man living in the times, but she does not place blame on him. If anything, she loves him more because of it. Linda assumes the role of the protector, the defender, and the respecter. She protects Willy when Biff fights with him. Linda defends Willy to her sons who believe that he is going crazy. Also, she respects him enough to pretend that she is unaware of the fact that he is trying to kill himself and that he has lost his salary. She knows that Willy is suicidal, irrational, and difficult to deal with; however, she goes along with Willys fantasies in order to protect him from the criticism of others, as well as his own self-criticism. Linda tries to protect him, but her efforts are in vain. Linda enables Willy in many ways, but she also encourages him. She gently nudges him when it comes to paying the bills and communicating with Biff and she does not lose her temper when he becomes irate. Linda knows that Willy is secretly borrowing money from Charley to pay the life insurance and other bills. Despite all of this, Linda does nothing, afraid to aggravate Willys fragile mental condition. She goes as far as throwing Biff and Happy out of the house when their behavior threatens to upset Willy. Linda views freedom as an escape from debt, the reward of total ownership of the material goods that symbolize success and stability. Willys prolonged obsession with the American dream seems, over the long years of his marriage, to have left Linda internally conflicted. She appears to have kept her emotional life intact. As such, she represents the emotional core of the drama. Linda is a character driven by desperation and fear. Even though Willy is often rude to her, she protects him at all costs. According to Linda, Willy is only a little boat looking for a harbor (___________). She loves Willy, and more importantly, she accepts all of his shortcomings. Jocastas character is only strongly represented in the closing scenes in the play. Throughout the play, Jocasta tested the beliefs of those around her by feigning disbelief in the gods herself. Though she put up this false front, she did keep her faith. At the beginning of the scene wherein a messenger relayed word of Polybus death and Oedipus right to the throne of Corinth, we see Jocasta praying. In her first words, she attempts to make peace between Oedipus and Creon, pleading with Oedipus not Tiresiass terrifying prophecies as false. Unlike Oedipus, Jocasta distrusts the oracles and believes that whatever happens will do so by unforeseeable chance. However, she is still wary enough to honor Apollo with offerings in a crisis. Jocasta carries garlands and incense to the altar and tries to appeal to Apollo to purify the city of Thebes. Jocasta solves the riddle of Oedipuss identity before Oedipus does, and she expresses her love for her son and husband in her desire to protect him f rom this knowledge. She pleads with him to stop asking questions regarding the circumstances. Jocastas character is intelligent and capable, but not driven to exploration as Oedipus. She carries her own agenda about what should be known and looked into. Jocastas character is used by the gods, in a way, to test Oedipuss faith. After accusing Creon of conspiracy and treason, Oedipus relates to Jocasta the details of his meeting with Tiresias. Jocasta proceeds to plant doubts of the gods by telling Oedipus the story of the Delphian Oracle and the circumstances surrounding Laius death. Again, after Polybus death, she excitedly tells Oedipus that his prophecy was obviously untrue, though it was not, and by doing so she attempts to hint that the oracles and thus the gods are false. It can be drawn that Jocasta is forced to perform such tasks for the gods because she tried to avoid an earlier prophecy. By tying her childs feet together and casting him out, she attempted to defeat the gods, and this disbelief of course angered them. Her punishment, then, was to test the beliefs of the very child she cast out. Jocasta was, in this way, a victim. Though it was by her own doing that this penalty was cast upon her, it was not something she was happy to do, which becomes apparent when she realizes the truth in her earlier prophecy. It is at this moment that she becomes aware of her punishment, and in desperation kills herself. After the realization of the truth, Jocastas own panicked grief impels her to suicide. Jocasta is a victim in Oedipus Rex, but not as much as she is a catalyst for Oedipus own victimization. She keeps her faith throughout and tries to relieve Oedipus of his. Because of this, readers may in turn pity her and loathe her. But the gods tested the king of Thebes through her the main goal of the play and both he and she failed. In the exploration of Oedipus Rex, Death of a Salesman, and Macbeth the feminine characters obvious self-interest plays an important role in their counter parts downfalls. Jocasta, Linda, and Lady Macbeth are all similar in their dynamic nature, ability to enable, and their need to care for others. The previous exploration illustrates the female agenda in contrast to the tragic heroes.

The Importance of Work-Life Initiatives Essay -- Health & Wellness

Work causes stress. Both men and women are working, raising a family, and going to school. Previously, women in the work force take demotions or walk away from their careers’ when having children. Today, families rely on a dual income. With both parents working full time, while raising children, the relationship between work and home responsibilities are unbalanced. Subsequently, this unbalance creates stress for both the employee and the employer. Work-life balance is the need to provide a schedule that will combine work, family relationships, and leisure time into a satisfying life. Flexible work arrangements balance work and responsibility at home; which helps employees cope with stress, encourages smart work instead of hard work, and empowers them to make healthy decisions. Organizations need to assess workplace culture and provide mechanisms to support work-life balance that are mutually beneficial to both the organization and the employee. Individuals each have unique responsibilities that define the meaning of work-life balance. Employees in the workforce that fulfill family and work commitments have achieved a sense of work-life balance ("The business imperative," 2009). The distinction between work and personal life used to be clear. Today, personal commitments suffer for lack of time and energy. Unfortunately, the demands of work outweigh the demands at home, because without work the home does not exist. The unbalanced work-life creates negative and disengaged employees. It costs the U.S. economy between $250 and $300 billion every year in lost productivity alone (Clifton & Rath, 2009). Organizations now realize their success directly relates to the morale of their empl... ...ght%20q2%202009.pdf McMahon, C., & Pocock, B. Australian Government, EOWA. (2011). Doing things differently: Case studies of work-life innovation in six Australian workplaces. Retrieved from http://www.eowa.gov.au/Information_Centres/Resource_Centre/EOWA_Publications/University_of_SA_Case_Study/UniSA_Case%20Studies%20report_April2011.pdf Nixon, J. (n.d.). Work-life balance. In M. Simmering (Ed.), Encyclopedia of Business (2nd ed. pp. Tr-Z). Retrieved from http://www.referenceforbusiness.com/management/Tr-Z/Work-Life-Balance.html SHRM. (2011). Shrm research spotlight: Flexible work arrangements. Retrieved from http://www.shrm.org/research/surveyfindings/documents/11-workflexflier_final_rev.pdf Yasbek, P. (2004), The business case for firm-level work-life balance policies: a review of the literature. Retrieved from http://w.iaa.govt.nz/PDFs/FirmLevelWLB.pdf The Importance of Work-Life Initiatives Essay -- Health & Wellness Work causes stress. Both men and women are working, raising a family, and going to school. Previously, women in the work force take demotions or walk away from their careers’ when having children. Today, families rely on a dual income. With both parents working full time, while raising children, the relationship between work and home responsibilities are unbalanced. Subsequently, this unbalance creates stress for both the employee and the employer. Work-life balance is the need to provide a schedule that will combine work, family relationships, and leisure time into a satisfying life. Flexible work arrangements balance work and responsibility at home; which helps employees cope with stress, encourages smart work instead of hard work, and empowers them to make healthy decisions. Organizations need to assess workplace culture and provide mechanisms to support work-life balance that are mutually beneficial to both the organization and the employee. Individuals each have unique responsibilities that define the meaning of work-life balance. Employees in the workforce that fulfill family and work commitments have achieved a sense of work-life balance ("The business imperative," 2009). The distinction between work and personal life used to be clear. Today, personal commitments suffer for lack of time and energy. Unfortunately, the demands of work outweigh the demands at home, because without work the home does not exist. The unbalanced work-life creates negative and disengaged employees. It costs the U.S. economy between $250 and $300 billion every year in lost productivity alone (Clifton & Rath, 2009). Organizations now realize their success directly relates to the morale of their empl... ...ght%20q2%202009.pdf McMahon, C., & Pocock, B. Australian Government, EOWA. (2011). Doing things differently: Case studies of work-life innovation in six Australian workplaces. Retrieved from http://www.eowa.gov.au/Information_Centres/Resource_Centre/EOWA_Publications/University_of_SA_Case_Study/UniSA_Case%20Studies%20report_April2011.pdf Nixon, J. (n.d.). Work-life balance. In M. Simmering (Ed.), Encyclopedia of Business (2nd ed. pp. Tr-Z). Retrieved from http://www.referenceforbusiness.com/management/Tr-Z/Work-Life-Balance.html SHRM. (2011). Shrm research spotlight: Flexible work arrangements. Retrieved from http://www.shrm.org/research/surveyfindings/documents/11-workflexflier_final_rev.pdf Yasbek, P. (2004), The business case for firm-level work-life balance policies: a review of the literature. Retrieved from http://w.iaa.govt.nz/PDFs/FirmLevelWLB.pdf