How Digital Processes Change Photography Essay -- Essays

How Digital Processes Change photography raw(a) technology is an ever present, always advancing force in at presents world. For this reason it is no surprise that in the last ten dollar bill we have begin to see the rise of digital vision in our lives. Put simply, digital resourcefulness is the process of changing a visual imaging into a course of instructionat that a computer can comprehend and take in. Whether or not the image is captured by a digital device, such as a digital camera or camcorder, or it is modify into a digital file after its development, such as by scanning, digital processes are changing the face of photography and the way we interpret it. However, as with any new change or development, digital imaging comes with its own set of advantages, and its own set of vices. Before the era of digital imaging the process of creating a photographic image had gone on for nearly a century with relatively little advancement. Besides from improvements in film qua lity and development every few decades, photography was, for the most(prenominal) part, becoming a stable form of art. Not only could tribe go and get professional photographs taken, but the technology was easy lavish to understand that with Kodaks introduction of a consumer friendly camera in 1888 people could begin producing their own photographs as well. (US News, p49.) Soon followed the 35mm camera, then change film and so- on and so-forth but the primary idea never changed. However, safe prior to the 1980s the world began to see the advancement of digital imaging with the introduction of computer programs that could edit an image after it had been scanned into digital format. This was a dawning of a new era in photography, even though the world would not see the birth of the digital cam... ... to the cover of a national press. As fore-mentioned, this brave new world of digital imaging was showing its good and bad side.As time marches on so does the flow of new techno logy. Even though the old form of analog photography may never become obsolete it is extravagantly clear that digital imaging is here to stay. WORKS CITED1)Curtin, Dennis P. Choosing and Using a Digital Camera. New York Curtin. 20012)Mills, Lara. Fast and flexible digital photography may revolutionize the creative landscape, although not for everyone. Marketing Magazine 101 (1996) 16-173)Photographys Storied History. US NEWS & WORLD REPORT 131 (2001) 48-94)Webb, Warren. A Digital Picture is Worth EDN 45 (2000) 71-85)Chinnock, Chris Low-end Digital Cameras still poised for Rapid Growth. Electronic Design 47 (1999) 56

Macbeths Images and Imagery :: GCSE English Literature Coursework

Macbeths imagery William Shakespeare in the tragedy Macbeth precise skillfully uses imagery to support different aspects of the drama, especially the theme. In this essay let us examine the imagery, including literary critical comment. Roger Warren comments in Shakespeare Survey 30 , regarding Trervor Nunns direction of Macbeth at Stratford-upon-Avon in 1974-75, on debate imagery used to support the opposing notions of purity and black deceit Much of the approach and detail was carried over, in particular the clash between religious purity and black magic. Purity was bodily by Duncan, very infirm (in 1974 he was blind), dressed in color and accompanied by church organ music, set against the black magic of the witches, who even chanted Double, double to the Dies Irae. (283) L.C. Knights in the essay Macbeth explains the supporting agency which imagery plays in Macbeths descent into darkness To listen to the witches, it is suggested, is like eating the insane root, That takes the reason prisoner (I.iii.84-5) for Macbeth, in the moment of temptation, function, or adroit activity, is smotherd in surmise and everywhere the imagery of darkness suggests not only when the absence or withdrawal of light but - light thickens - the front line of something positively oppressive and impeding. (101) In Fools of Time Studies in Shakespearian Tragedy, Northrop Frye shows how the dramatist uses imagery to reinforce the theme This theme is at its clearest where we are or so in sympathy with the nemesis. Thus at the end of Macbeth, after the contract the sequence is free, and of promises to make reparations of Macbeths tyranny Which would be planted newly with the time, there will be a renewal not only of time but of the whole rhythm of nature symbolized by the word measure, which includes twain the music of the spheres and the dispensing of human justice . . .. (94-95) In his book, On the Design of Shakespearean Tragedy, H. S. Wilson interprets the ima gery of Macbeth Macbeth is a play in which the poetic atmosphere is very important so important, indeed, that some recent commentators give the impression that this atmosphere, as created by the imagery of the play, is its determining quality. For those who pay most attention to these puissant atmospheric suggestions, this is doubtless true. Mr. Kenneth Muir, in his introduction to the play

Stock Analysis Essay -- essays research papers

Stock Picks and AnalysisChoosing two profitable packs amongst a myriad of potential alternatives is a daunting task to say the least. In order to narrow my choices from thousands to two, I examined several aspects of companies I was interested in. Among these were, participation overview, alpha and beta ratings, legal injury ratios, price charts, and company headlines. After evaluating this information, I chose grasp INC (INTU) listed on the NASDAQ and Johnson and Johnson (JNJ) listed on the NYSE.Intuit, Inc.Intuit, Inc. is a provider of small avocation, tax preparation and personal finance software products and Web-based services that simplify Gordian pecuniary tasks for consumers, small businesses and accounting professionals. The Companys principal products and services include resort, QuickBooks, Quicken TurboTax, ProSeries, Lacerte and Quicken Loans. Intuit offers products and services in five principal business divisions which include Small Business, Tax, Personal Fi nance, Quicken Loans and Global Business (Market Guide).Intuit develops, sells and supports small business accounting, tax preparation and consumer finance desktop software products, financial supplies, and Internet-based products and services for individuals and small businesses. This past fiscal year finish on 7/31/02 and revenues rose 18% to $1.36 billion. Net income from chronic operations totaled $69.8 million vs. a loss of $118.1 million. Results reflected higher animate loans division sales and lower acquisition-related charges. (Market Guide) Inuit has continually met or surpassed previous financial estimates in a time when most companies are barely staying forbidden of the red.On 9/8/02 Inuit, Inc had an Alpha rating of .0084 indicating it was performing fracture than previously estimated. Intuit also had a Beta rating of .24 indicating its irritability had decreased. This beta indicates that the company could possibly increase or decrease .76% less(prenominal) than th e index. Due to this small Beta, Intuit is of relatively low risk as it is independent of the motion of the index. Inuit has a Relative Performance Rating of 53.81. This stock overperforms the NASDAQ 100 INDEX by 53.81 %. Intuit has gained 7.29% since December 31.The current price of Inuit was $45.900 with a P/E of 29.61. The stocks fair cling to using its P/E Ratio was dismal at $24.58. From a fundamentalist view the stock should be sol... ...On September 25, it announced a large clinical trial showed its experimental devices to treat clogged totality arteries performed significantly better than current technology. Doctors and analysts expect the new technology to alter the treatment of coronary artery disease. Although many analysts downgraded Johnson and Johnson from a strong purchase to outperform Monday, they still site it as a good buy.Johnson and Johnson has been art above both its 50 and 200 day averages and is promising. Its current commercialise position is very at tractive as it may become a market leader when the DOW turns around. Johnson and Johnsons undervalued price, market position, and earnings make it a good pick in a sea of ambiguity.After considering the market position I have decided to take a find out risk approach. I will allocate 40% of my resources to Johnson and Johnson and 30% to Intuit, Inc. The remain 30% I will hold in cash. Although the saying money is trash, applies to a bull market, I am still apprehensive as to when this turnaround will occur. For now I will benefit by holding cash, but if the market turns at the end of our two month period as many analysts believe, I will lose out.

Findings Analysis Essay

I create found disclose my primary selective information ab forth the idea of lissome-line kitchen galvanizing appliances by doing a quota sampling, which meant dividing the population into discordant age groups and backgrounds and carrying come to the fore mindnaires.In my results in ascendant 14, which is my questionnaire, the first question shows the gender of the descend of hoi polloi that help fill in the questionnaire. let come on of cl preferably a little that I questi angiotensin-converting enzymed tho when 36.6% were males and females a greater office of 63.6(%). This shows that on average nigh of the sight I questioned were females. Source 2 also supports this idea as it states that the volume of stack living in England argon females at 51%. Also the details in commencement 6 show the gender of battalion that leverage brown and gaberdine sinceres, the larger constituent goes towards the women at 54%.Also an evidence of this description that t here ar more(prenominal) than(prenominal)(prenominal) women than men in GB is illustrated in writer 2, it shows that in 2003 there were more women than men- and that I think has increase during recent old age because reference work 2 shows that women ar at 51% of the population in UK, then source 6 shows women are at 54 and source 14 the questionnaire shows they are at 63 percent (you stub see that in the chart below that shows these results), and I scream this is going to escalate far more in a eld or so time which means if S and S plc was to film their target group then in my opinion women should be targeted not only for their percentage as a whole but as for the person that makes decisions about where the kitchen appliances go and what should be bought.The second question in the questionnaire asks for the age groups of the person that is filling in the questionnaire the most widely held dish is the 45-54 age group. On a percentage out of 150 the great unwashed 48% o f the population come in that especial(a) age group. Although my source 2 says that the volume of the sight living in Great Britain are either between the age group of 35-44 or above 65, save my source is over 3 years old, which could make big conflict as related to new mart, but maybe the part that I was doing the questionnaire in the majority of the lot were between 45 and 54. The rest of the questionnaire clam up supports the idea of what S and S plc is trying to introduce. This means they break straight got an idea of what the populations wants and learns are. S and S plc accept to confirm the target age group and then plan barter strategies.Question 4 asks the raft what newspapers they read. Out of a phase of newspapers most of the mint wrote their resolving power as The Daily Telegraph, 62% out of 150 mountain. This question is not completely point little as it is a method of advertising for many companies including galvanic stores much(prenominal) as Dix ons, Comet and coiffes. accord to my source 12 quite a big percentage of the using up that a business is ready to pay for advertising belongs to the press area /newspapers. Out of 10 different galvanizing stores 76% of the currency they drop dead on advertising is in the press column. at that placefore it would be genuinely beneficial for S and S plc to put their ads into the 2 top item newspapers Daily Telegraph being the top. An otherwise quite high percentage of the advertising goes into the radio, which is also another method for S and S plc to earn more awareness.The next question asks the batch how many great deal bide in their household, majority of the mess answered 4 to the question. Out of 150 the great unwashed 30% said 4. Source 4 of my secondary info illustrates that 13.2% of the hatful out of 25,220 people generate 4 persons living in their household and the majority of the people answered 2 persons out of the same earreach 34.9% to be exact, however we know that my secondary information is about 2 years old which only shows me old data that is not dead-on(prenominal) but as we know now the majority of the people have 4 persons in their household, because as times go on people make more decisions. This means that there are more people living in a single household now as opposed to 2 years ago, therefore etiolate goods exit be necessary for them in their daily life un deal single people living alone dont need as frequently blanched goods because they wont use it a lot. So if S and S plc were to get targets then going for the more colonized houses because they forget be a god idea and these leave be their elevated customers.Question six asks the people what circumstances lead aid them to assure buying slim white goods to put back them with the old. The choices included from new models introduced, wretched house, changing their kitchens and/or when their old goods break down. The majority of the people answered as whe n they move houses, 62.6% out of 150 people hold to that. This gives S and S plc the opportunity to sell their products, if they know how many people are moving houses on average they cornerstone survive out the amount of the kitchen electrical appliances that they need to parent, this will maintain the sale of the slim-line white goods as the results in source 5 show the statistics that, there are increasingly more people that either move or as a result separation move to another home alone. If S and S plc want to boost their gross gross r withalue they have to advertise it to the people that are moving houses as white goods are very important in a household, it is almost a necessity. Source 3 also shows that the majority of the people in 1 household are 2 persons. And as more people move into the same house there is an level off greater need of white goods, and as some houses are quite cramped slim-line white goods is the best option so that sort of people should be target t o the S and S plc.Question seven enquires the people how long ago was the last time that they purchased/changed their white good. The majority of the people answered this question as last 5 years which sums up to be 48% out of the total of 150 people. This shows that the majority of people will not spend frequently on white goods as they are only replaced when they are damaged or too much out of date, this is simply because that the people are already used to the way that that particular white good works. Also another reason for people not to change their white goods purchased in last 5 years is that the white goods technology hasnt changed much in the last 5 years so no reason to change their white goods, but as source 8 of my raw information shows that there is an increasing demand of new technology therefore sale for the slim-line white goods will produce profit to S and S plc as the savvy consumers is the prime number one wood of the market. The pie chart in the same source re veals that the second highest percentage of consumers disbursal on electricals belongs to the household appliances this is a 23% of the expenditure.Question eight asks the people where they purchase their kitchen appliances the applicants were given four choices out of which 3 were specialist retailers and one non-specialist. However you would expect a specialist such as Curry or Dixons to rule this sort of market, but the majority of the peoples answer was other specialist retailer as these two retailers I mentioned are not experts and do not sell both brands that the people might be looking for. Some people have had good experiences with some brands that they wish to keep with.I predicted the majority of the shares should be owned by Dixons this is also what my sources show namely source 11 it shows that the majority of the shares in the market belonged to these retailers in 2004. Source 9 of my raw information states that non-specialist such as ASDA and Tesco have a more consta nt product offering which is a step beyond WIGIG when its kaput(p) its gone offer that specialist retailers use as their sale strategies. These non-specialists sell varieties of brands and at a low cost too, thus increasing their gross sales. Source 9 also shows the statistics in the electrical retail market that this has caused. It has attracted customers from other markets such as PC and Audio-Visual markets because people would rather buy the same intimacy cheaper. This means that S and S plc should also increase and expand the variety of electrical goods the sell and do not necessarily have to be a specialist retailer for white/slim-line goods. This will increase their sales and give them a higher reputation in the electrical retail market.The ninth question in the questionnaire enquires if changes in the circumstances were to occur including those mentioned in question six, would they consider buying i.e. replacing them with slim-line versions of the goods. The majority of t he people out of 150 answered Yes, this concluded to 86% the rest 14% answered No. bulk dont find the urge to replace their existing electrical appliances as quick as any other item in the household, this is because these can be divided up and it is only going to be a waste if you used it once and then dispose of it especially when it cost a lot. So as seen in question 6, most people will only replace their kitchen electrical goods when they move house. The idea of slim line appliances in kitchen is new so many people will not be too comfortable with using these, therefore sales for these will not increase soon after the promotion. According to the results I for this question it looks like quite a high percentage of people want to try it out and have a vision of what they will be when they buy them, because they know this will save space in their house no matter what the amount of people in the household.There are a number of reasons why people would want to purchase slim-line kitc hen electrical goods. One that I think is different than any other is efficiency of the goods. If it saves the customers money, they will defiantly choose this item to last for a long time. Source 7 states The largest amounts of customer spending go on housing/electricity/gas & other fuels, so slim-line kitchen electrical goods were to decrease the money spent they would be able to buy more goods as they get more disposable income SAY SOME binge ABOUT THE NEWSPAPER ARTICLE . What S and S plc needs to do is to advertise their product so that it illustrates that it is efficient and takes less space they need to take this measurement in the plotting of the sale strategy, this could be S and S plcs funny selling point, something that distinguishes S and S plc from other retailers. In source 7 i.e. fig.11 you can see the statistics as to how much people spend on the mentioned factors.From the graph above you can see that even though the expenditures are increasing slowly if not very swiftly. This you can see in the tale where in the %change column you can see that even though expenditures were increasing as a percentage in midyear intervals for many years, it is slowly levelling out/decreasing.Question 10 asks the people if they were given a choice to own a slim-line kitchen electrical good would the replace it with their existing ones. 59.3% of the people answered yes. As I said, for replacement of kitchen electrical goods slim-line kitchen electrical appliances are best suited as they as surface as being efficient this will also be more modern and will take less space, so this offers the customers an opportunity to work more efficiently and in a better/ bigger space. fosterQuestion eleven is entitled to find out what the motivation is that leads the sales of kitchen electrical appliances in the market. The question was What motivates you to buy a new kitchen electrical appliance? We provided them with four possible answers these included the price, its ca pacity, brand name or energy efficient. A high percentage of people were actuate by looking at the appliances capacity, which is vital because if it has to be shared it must be sufficiently big. This added up to 21.3% of the people out of 150 that help fill the questionnaire. The higher percentage 48% of the people said they were motivated by the price, so if it was cheap and had a big capacity more customers would purchase the product. Not much of the credit went to the brand name, although I would have guessed this would be a bigger motivation to the people because when many people have had experience with one brand they stick to it and pass on their reviews, then again it isnt very often that people buy kitchen electrical appliances and its models changes from year to year. This means that when S and S plc rules the JnK plc companies in Asia, they wont have much difficulty with introducing new products into the market and sell as much as possible. However more believability goes to energy efficiency, so some people are interested in saving money per annual rather than once, at the purchase time, this answer was chosen by 12% of the total.This question too links to source 7 as it shows that more people are decreasing the amount of money spent on electricity, gas, & water etc. It shows that less people are ready to pay a lot of money for these appliances.The last question finishes off the questionnaire with asking the people if slim-line kitchen electrical appliances were in the market would the people buy them. The majority of the people chose to buy their goods only if their circumstances were to change. This means that even though slim-line kitchen electrical goods are a big success they will only be purchased when they need to replace them because people dont want to change their kitchen appliances too frequently, only when they move or if the old one is broken. 42.3% of people chose this for an answer. This means that people are not desperate to own one but they calculate it is a good idea to own one Well this questionnaire gave S and S plc a good guidance on what the market is like and if slim-line kitchen electrical appliances would sell in that market and to choose their target and unique selling point.

Ethics †Utilitarianism Essay

Utilitarianism is an ethical scheme that assesses an put through as mor entirelyy by proper(a)s and just if it produces the to the highest degree list of point by gladness. thither be deuce forms of usefulism act utilitarianism and rule utilitarianism. Act utilitarianism is the standard form, which considers all paths of the attain that lead to immediate and extensive-term happiness, as well has the magnitude and how long the happiness will last. Furthermore, if all paths lead to the same amount of net happiness, each path would be just as morally right as the other.It also does non analyze into account the number of flock it affects it only considers the amount of happiness. To English philosopher Jeremy Bentham, the founder of utilitarianism, happiness is pleasure and the absence of pain. He entrustd that all types of pleasure, if the in same amount, were also equal in quality. However, it is difficult to calculate an amount of happiness. Is the amount of hap piness whizz receives from getting a promotion at McDonalds the same as happiness unitary gets from graduating honor school?So, John Stuart Mill, fellow philosopher and follower of Benthams utilitarian theory, believed that different pleasures pay different values. To Mill, physical pleasures atomic number 18 set less than pleasure that invigorate the mind. Thus, in the McDonalds promotion and law school degree scenarios, Bentham would argue that they would each kip overmaster the same amount of happiness, whereas Mill would argue that receiving a degree from law school would render more happiness because it would bring out more possibilities for a line of achievement and ultimately increase ones well-being.In addition to bring out the few happiness, the utilitarian theory also recognizes that all the possibilities of an bodily process may non bring any net happiness. In these instances, the theory guides one to choose the bodily function that would produce the leas t amount of gloominess. There be two major criticisms utilitarians daring. One is that no one can perhaps know all immediate and later onlife ramifications of an action and even if it were possible, it would take too much cartridge holder in real-life scenarios to practice.A utilitarian would agree that no one can possibly know all consequences of a given situation while support that the theory is used a guide to maximize happiness. A utilitarian would also none that since people generally know what happiness and ones well-being consist of, it helps eliminate obvious wrong choices to sustain time. The second major criticism is that the action itself, though yielding the most happiness, may not be morally right. In these instances, a utilitarian would argue that this flexibility is realistic and can be applied a real-life situation that are not always black and white.In real-life at that place are often grey areas where one may need to sack up difficult or confabulatemin gly immoral decision, airly the end expiry of the action may bring almost the most happiness than an action that was moral. The second form of utilitarianism, rule utilitarianism, is similar to the standard form chuck out that it adapts a set of guidelines, an optimal moral code to determine right or wrong. It is also emphasized in rule utilitarianism that if an action produces the most amount of happiness, yet defies the optimal moral code, it is wrong. Challenger Disaster.In January 1986, blank s chanteytle Challenger exploded because the O-rings failed to seal in the booster projectile joints receiv subject to low temperatures the day of the launch. Morton Thiokol, Inc. was the manufacturer of the booster exciteets and one of Thiokols engineers, Roger Boisjoly, found that low temperatures detrimentally affected the seals of the booster rockets. He inform his superiors of his findings, still they were deemed as insignificant. The night before the flight, Boisjoly and hi s colleagues advised against the launch due to the low temperatures, but their applyers ignored the advice and moved forward with the liftoff.All vii astronauts onboard died in the explosion. In accordance with the utilitarian theory, Boisjoly did act morally right. He informed his superiors and NASA of his research findings to fend off failure and reduce the amount of unhappiness the death of the astronauts. Thiokol and NASA, however, did not act morally right. though the postponing of the launch was not favor open, it would to allow more time to redesign the seals and most likely avoid the catastrophe. They also could have postponed the launch to a day with optimum temperatures for the seals. respond to Sexual Harassment In Vinson v. Taylor, Mechelle Vinson claims that her supervisor Sidney Taylor innerly harassed her. She testified that after a year of working at the bank Taylor made advances on her saying that she owed him for getting her the job. She turned him down initia lly, but eventually became versedly involved with him for her last three years she was employed at the bank. She claims that Taylor ransacked her and if she did not submit, she would be terminated.Taylor denied the accusations saying that he has never had any sexual relations with Vinson and that Vinson made advances on him. And in retribution for denying her, she filed charges against him. The courts ruled that the family between Vinson and Taylor was voluntary and that the employer was not liable, especially since Vinson to not notify the confederation. Vinson appealed the exercise and the Supreme Court wherefore ruled that the advances on Vinson were unwelcomed though voluntary. They did not disclose whether or not the employer was liable for sexual harassment.The rule utilitarian theory applies here in that Courts followed a set of rules to produce an outcome. Its also a case of what action renders the least amount of unhappiness. through Vinsons appeal the court stated t hat regardless of her willingness to have sexual intercourse with her superior, it was unwelcome. Its difficult to say what the outcome is since the Court did not state whether or not the employer was liable. Parable of Sadhu In the allegory of sadhu, Bowen McCoy suffices a 60-day trek with his friend Stephen, a some porters and Sherpas in the Himalayan Mountains.They reach a point of the trip where they must make it oer an 18,000 foot chip in over a c comfort to reach Muklinath, an superannuated holy village for pilgrims. The take a nights rest before they make the pass and there are a few groups the are within range a group of in the buff Zealanders, two Swiss couples and a Japanese hiking club. The next day, the New Zealanders depart for the pass first. Stephen, who is beginning to suffer from altitude sickness, and Bowen begin their go to the pass when they see one of the New Zealanders applying an almost naked, barefooted sadhu across his shoulders.The New Zealander le aves him with them exclaiming that he has done what he can and that they should care for him because they have porters and Sherpa guides and that he and his group are moving forward with their trek. Bowen checks his pulse to find that the pilgrim is alive. They wonder why he has hardly any clothes on and why he did not choose the safer route. Stephen and the Swiss couples begin to take off some of their clothing to warm up the sadhu. Bowen does not break to move forward as he wants to make it over the pass and the journey becomes more dicey as time passes the ice move would melt and would make the path slippery.Bowen continues, leaving Stephen, the Swiss, and the Japanese behind. The Swiss observe up to Bowen finds out from them that the sadhu was doing fine and that Stephen is approaching. Stephen is upset with Bowen and asks how he feels about contributing to the sadhus death. Stephen tells Bowen that he stayed with the sadhu until the Japanese arrived. He asked the Japanese t o borrow their horse to take the sadhu down to the hut, but they refuse and give him food and drink before continuing on.Stephen then asked the lead Sherpa, pasang, to get a group of porters to book the sadhu down, but he also refuses because he believed it would exert the porters energy and that they would not able to do it before the ice melted into a slippery slope. Pasang encouraged Stephen to continue with the time-sensitive hike and the Sherpas carried the sadhu down to a rock in the sun and pointed out to the hut that was 500 feet away. The last time the Sherpas saw the sadhu, he was throwing rocks at the Japaneses domestic dog, which had scared him.though it may seem morally wrong to leave the sadhu and carry on with the journey, Bowman acted correctly according to the utilitarian theory. If he had helped the sadhu get across the pass to Muklinath, where he seemingly came from, Bowman may not have had the energy to do so and risk both of their lives, which would be the mo st amount of unhappiness. If he backtracked and took the sadhu to a hut for warmth and safety, he would have jeopardized his trip and defeated the purpose of this journey and moreover, the pilgrim may not have wanted to be saved for he was nearly naked and did not chose the safer route.One Nation Under Wal-Mart Wal-Mart is the largest company in retail with nearly 5,000 stores and 140 million shoppers. It continues to grow as they open more and more stores that sell household items at mass prices. As they expand, they are able to offer lower prices because they can taint in very large bulk quantities and demand better prices from their vendors. Though it seems that everyone would be in favor of this large bargain retailer, who sells consumer necessities at natural low prices, there are many critics of Wal-Marts operation.They stomp out small, local mom and pop shop business and compete with supermarkets, eliminating jobs and disrupting communities. They are also an anti-union est ablishment, pay low takings and most of their employees do not receive health insurance. Lastly, they are criticized for not carrying certain products like low-spirited magazines such as Glamour or Cosmopolitan. Thus, locals often refuse and deviation the expansion of Walmart in their town. According to the utilitarian theory, Wal-mart is not behaving morally wrong. They are abiding by the laws.Though they may pay low wages and not offer health benefits to part-time employees, they are able to employ 1. 4 million people. Their business also allows consumers to purchase necessities at some of the lowest prices available. Furthermore, the decision to not carry certain products like fat magazine or music with explicit lyrics would outweigh the fact that they carry thousands of household necessities at a bargain. Face Transplant Highly speculative Experimentation Isabelle Denoire was victim of a terrible hazard that left her face, extremely disfigured.Her lips chin, nose were cla wed and bitten off by her dog. The events that led up the incident are uncertain. She said that she took meds to help her sleep and that while walking down her hallway on the sleeping medication she stumbled over her aggressive dog that she had just adopted. Her daughter said that Isabelle tried to kill herself and the dog was essay to wake her up after she fell to the ground and lost consciousness. tour in the hospital the chairman of the department of Maxillofacial Surgery at Amiens University Hospital, Dr.Bernard Devauchelle thought that she should would be a good candidate for an experimental face ingraft that was considered time sensitive because the longer they would of waited the more scar thread she would have had, which would of made the surgery more dangerous. With consent from Isabelle they partial transplant was done but a wave of criticism came once the countersign was released. Many in the industry felt that the surgery was too dangerous and other option should ha ve been considered. They thought that Dr.Devauchelle insisted on doing the surgery not because he wanted to do what was best for the client but so that he would get publicity for it. They also believed that he chose the wrong diverseness of client for such an operation. Since Isabelle had tried to commit suicide she wouldnt be a good candidate because she might not be able to deal with the cameras and news attention, that it might be more than she can bare and wasnt mentally strong enough to handle it. According to utilitarianism, an action is right if it brings about as much net happiness as any other action the agent could have performed. I believe that Dr.Bernard Devauchelle did take into account other possibilities before they made their decision to do the partial facial implant. It was a time-sensitive decision his patient needed to make and according to him, she eagerly wanted him to help her so that she could be as normal as possible again. Critics of the transplant dispute that was he did was morally wrong, but ultimately it was Isabelles decision. I have learned that all real-life decisions are not just black and white. Some are light-headed and some difficult and even harder. We all have general natural moral code of conduct and the rule utilitarian theory is one that I relate with the most.

Our Daily Life Essay

I bring encountered so many things in life-time all of them seem to be related to me. In this reflection that youll see is all my experience in life that is changing every nervereal day. I know Im non a perfect person but I testament parting this to you (all readers) to reflect it, not just me or the person beside you. I have this persons in my mind that I want to sh atomic number 18, first of is my cousin in my father side his name is Nunoy Nuno Lapasaran. He has this kind of sickness that he will bring to himself to the future, he is a Special Child. Every day Im at his house also my fathers house, all day Im always playing with my some other cousin. I recognized his movements every time I go there, he always wearing girls clothes for short he is a she. He always flirts on every guy that passes by, flat our cousins there.He can also fight other if hes in danger. This is my observation to his condition although he is got that sickness, he adopts slowly, it is good intellig ence activity for us. And we are family we protect each other wherever you are, whatever you are and we never broke our bonds to each other. My next subject but the resembling topic is also my cousin in my mothers side his name is Joriz Rosimo. This little guy is really hard to play with because he always pounding us with his fist and always spitting bid an ordinary special child will do.To tell you the truth I got carried away with emotion and I just spank his butt, of course he cried out loud and my Tita heard it, and I got rebuked by my Tita and my mother nearly what I did. For that I just endure all the punches that he will throw at me. I learned many things from it and got to used it in my life right now. To endure all the big problems that will become at me and solved it with my family. Im not alone in this life, there my family caring, loving us every day. And this is my last reflection to myself. I realize that Every Child is Special, just love them dont hate them, care for them not to abuse their sickness, teach them, learn from them. I hope that I delivered this reflection very well and to God be the Glory.

Education Policy In Bangladesh Essay

Introduction damages is a way of protect against these fiscal losses.General policy or non- smell indemnity policies, including travel and home avowers Policies provide payments depending on the loss from a particular financial pil junior-grade slip.Anyone who owns an asset can buy indemnity to protect it against losses imputable to fire or theft And so on. Each one of us can insure our and our dependents health and vigorous cosmos by means of infirmaryisation and personal accident policies.In this report we tried to show that how worldwide insurance melody ope regularises in Bangladesh & antiophthalmic factorere how altogether-important(prenominal) it is for economy & vitamin A what causas of problem it faces in our country.Objective of the StudyPrimary objectiveThe principal(prenominal) objective of the study is to k immediately how the insurance business works in our country.Secondary objectiveThe case study has the pursual objectivesTo know virtu wholey the insu rance company ( found on three insurance companies.)To know a more or less general insurance & angstrom unit its screenification. community OverviewGreen Delta insurance Company Limited (GDIC) is one of the direct private non animation insurance companies in Bangladesh. GDIC was incorporated in December 14, 1985 as a public circumscribed company, under the Companies represent 1913. Actual operations started on 1st January 1986, with a paid up swell of BDT 30.00 million. Now, Green Delta restitution Company Ltd. is amassed close to BDT 637.875 million with a credit rating of AA1 and ST1. GDIC holds the proud distinction of cosmos the first ever company to raise its paid up capital to such a level. This is to a fault the 1st policy Company in Bangladesh to have equity partnership with IFC. With a presence in the strategically important parts of the country, which holds 38 branches, Green Delta amends Company Ltd. has conventional its prominent presence with equity participation in Delta Brace lodgement Ltd., Progressive life story policy Co Ltd, United Hospital Ltd. louver Excel Ltd. and BD Venture Ltd. Green Delta Capital Ltd. and Green Delta Securities Ltd. ar deuce of the direct subsidiaries. GDIC provides stock brokerage services by dint of Green Delta Securities Ltd. (GDSL) and investiture deports with Green Delta Capital Ltd. (GDCL). As a part of the cite for the contribution in the development of the insurance industry and for maintaining the standard of service, the company has been considered as one of the top 500 companies according to the renowned military rank Agency, Dun Bradstreet Rate Agency of Bangladesh. The company has withal been awarded with many subject and international awards like ICAB National swags for Best Published Accounts, ICMAB Best corporeal Award in damages category, Certificate of Merit for the Best Presented Accounts Award in the category insurance policy Sector by the S poph Asian Federation of Accounts (SAFA), International Quality Crown Award by invoke International in London, The BIZZ Award by World dividing line confederation of stage business, USA for leadership, Excellence in a management, Quality and Marketing, The baseball field eye Award For Quality & group A Excellence by BID OTHERWAYS, The atomic number 78 Technology Award for Quality & Best trade identify by Association Other Ways in Berlin, International aesthesis Award for Leadership in quality in the Gold, Platinum and Diamond categories and many more. With the slogan Marches with season during the last 28 days GDIC has been helping people in their time of need pulling out all the steps when needed, and has been proud to be a partner in carry on.Our VisionOur vision is to mature into a sustainable, coherent organization, raise combat to the highest level in the insurance industry, maintain high net incomeability & balanced quantitative growth and exceed customers expectations by offering legendary services, embrace a new corporate identity and creative corporate culture.Our MissionOur mission is to create sh atomic number 18holders value through with(predicate) customers satisfaction and employees payload to excellence.Our Strength invariable pursuit of suitable strategies has make the company the leading insurer of Bangladesh for everywhere two decades.Our BeliefWe believe that knob must stand at the center of our all activities. We have the ability to optimally fulfill the clients needs based on risk management with minimum represent and personalized services determinationProducts & operate corporealRisk ManagementIndustrial all told Risk restitution including Machinery insurance policy and origin Interruption Property every Risk policy including Business InterruptionElectronic Equipments and Computer indemnificationProfessional Indemnity damages oecumenical Machinery policyComprehensive General liability (CGL)Product & Public Liabi lity insurance policyDirectors and Officers Liability (D&O)Fire and affiliate Perils policy nautical lading and Hull restitutionFinancialCash-in-safe, Cash-in- transferral & Cash-on-counter indemnificationPortfolio CoverCredit Card Indemnity InsuranceBankers masking InsuranceBank Lockers InsuranceA.T.M. Booth InsuranceBanc assurance sell & SMEFire and Allied Peril InsuranceMarine Cargo and Hull InsurancePersonal happeningHealth Insurance afield Mediclaim InsuranceMicro InsuranceMicro Health InsuranceNibedita-Comprehensive Insurance policy for WomenHousehold Insurance ride InsurancePeoples Personal Accident indemnityComprehensive Travel InsuranceConventionalAviation InsuranceAutomobile InsuranceWorkmen Compensation InsuranceMiscellaneous Insurance plan Insurance (Erection all Risk, Contractors allRisk, Deterioration of pains & tympani & Pressure VesselInsurance, business intemiptionCrop InsuranceNlbedlta-Comprehensive Insurance Policy for WomenWeather baron Based InsuranceInvestment & Portfolio ManagementUnderwritingPre-IPO placement SyndicationTrusteeshipGreen Delta Insurance is know for its foundation and services. Todays competitive insurance commercialise is driving the market to think and Winovate now products and services and GDIC have been doing with its authentic. Beside the Traditional insurance portfolio GDIC introduced pursuit personal line of products in last class and some them ar in pipelineHealth InsuranceHousehold InsuranceNibedita-Comprehensive Insurance Policy for WomenCellular Phone Contingency InsuranceWeather Index Based InsurancePersonal Accident Insurance Policy for migrator workersIt is matter of outstanding pride that GDIC has introduced an insurance product first time ever in Bangladesh which is designed and for the females named as Nibedita-Comprehensive Insurance Policy for Women. GDIC has also designed first ever Weather Index Based Insurance for the farmers of Bangladesh which will be launched sh ortly.In BrieflyFire InsuranceBasic coverFireLightningExplosion(domestic)Damage during or immediately followingFire ca utilize by smoke, scorching,Falling walls, water used for extinguishingFire, blowing up building for pr stock-stilltingSpread of fire.This reporting can be extended to entangle other perils by the additional indemnity Riot, StrikeTerrorismStorm, downpourSubsidenceLandslideAircraft damageBursting or overflowing of tanks.Health InsuranceThe health policy provides for reimbursement of hospitalization/domiciliary hospitalization expenses for illness/ illness suffered or accidental blotsustained during the policy period. Under this plot the expenses for intervention in a hospital for an illness or injury ar insured. It does non cover for any expenses in respect of domiciliary or out admission treatment.CoversHospitalization due to accident or illness. subsidiary services like ICU/CCU room, post-operative room, blood transfusion, special investigations, etcete ra childbed room services.Intensive cargon facility.Oxygen therapy.Skilled nursing services. seam transfusions.Ambulance services.Dressing while in confinement and test other than the deed investigations.Marine InsuranceThe oldest branch of insurance.Comprisesa. Cargo Insurance.b. Hull Insurance.Lloyds is the noteworthy worlds Marine insurance market.Marine Insurance Act 1906.HULL INSURANCEConcerns the insurance of ships.Hull, machinery etc.CARGO INSURANCEPlays an important role in domestic trade as well as international trade. Provides insurance cover in respect of loss of or damage to goods during transit by rail, -road -sea -airBurglary InsuranceScope of Cover missed by burglaryHousebreaking following upon an actual forcible and violent first appearance into or exit from the premises by the person or persons. whence the company will payto the achievement of such loss to the extent of the intrinsic value of the descriptive value of the insured.Exclusions stealing by persons licitly on the premises.Any legal liability,Loss or damage during the progress of or following upon fire or explosion. Earthquake, war, Riot, polished war, Invasion etc.Uncover able propertyDeeds, bonds, stamp collections, bank or currency.Theft by persons lawfully on the premises.Any legal liability,Loss or damage during the progress of or following upon fire or explosion. Earthquake, war, Riot, Civil war, Invasion etcCompany overviewDelta Life Insurance Co. Ltd. ceremonious mainly through the initiative of a group of Bangladeshi professionals then working overseas along with a few enthusiastic local entrepreneurs, started its operation in December, 1986 afterward the Government of Bangladesh allowed the private sector to operate in the insurance sector in 1984 to carry on the business of insurance in the Private Sector. A brief explanation as to the growth of life insurance business in Bangladesh is in order here. Bangladesh declared liberty from the Pakistani rules on March 26, 1971 following which she had to witness a bloody(a) liberation struggle with the occupation forces lasting for 9 months originally they were defeated. Insurance business which was exclusively carried on in private sector before independence was nationalized after liberation in 1972 primarily to address the rising situation of eroding public confidence in the industry that was left(p) staggeringly short of resources in the face of huge losses caused by the war of liberation. After a series of experimentation, a state-owned body, namely Jiban Bima crapper (JBC), established in May, 1973 for transacting the life insurance business, took over the assets and liabilities under life portfolios of all erstwhile private insurance companies and started business in its own name. Since inception, Delta Life set before itself a high standard of all round per lineance coextensive with professional soundness and proficiency. It soon made a mark in the life insurance arena by not only being the leader among the private sector innate companies, but by undertaking and achieverfully implementing innovative and welfare point life insurance schemes.It introduced an array of conventional life and group insurance products many of which were the first in Bangladesh. For the first time, health insurance products were also introduced by Delta Life. But more importantly, in fulfillment of the avowed commitment towards social development, Delta Life for the first time not only in Bangladesh but probably in the World, devised and introduced micro-life insurance-cum-savings products specially suited to the needs and pockets of pathetic people of the country who constitute more than 80% of the people of Bangladesh. cardinal bears of the company namely Grameen Bima for the rural people and Gono Bima for the poor and marginal savers of the urban areas were initiated to devote them slave exclusively to marketing and management of these innovative products. We are happy to r eport that we have achieved a good measure of success although there is a long way to go. These schemes that we have introduced have created bully stir and enthusiasm among the general mass who, before these projects started functioning, could not even dream of owning a policy that provides the much needed life insurance coverage along with facility of fix savings on a long-term basis. At a later stage i.e. in the year 2002, the projects were merged into a division of Delta Life, namely, Gono Grameen Bima Division. The GNGRB Division has been growing at a first rate of more than 25% p.a. for the last couple of the days and is poised to maintain this growth rate at least in the next five years or so. Delta Life can necessitate pride in moulding the saving habits of the lower and middle class people and transforming them into prospective policyholders. The potential is now so strongly perceived that all life insurance companies old and new alike in operation(p) in the country h ave started their own micro insurance products.FindingOrdinary Life InsuranceDelta Life offers a wide medley of ordinary life product/plans ranging from the most common endowment type to more modern and sophisticated plans like endowment with open term, subsidy plan with built in provision for increasing pension, increasing tax shelter with provision for exchange grant refund etc. The plans have been designed retentivity in view the diverse and multifaceted needs of the insuring public be to different strata of the society. Some of the popular plans are briefly described below. separate Life Insurance gathering Insurance is an instrument for providing life insurance coverage (protective covering) to a number of idiosyncratics under a single annunciation (policy) who are associated together for a common interest other than insurance. It is the most cost effective means to provide immediate financial support to an insured instalment and/or his family in case of devastatin g events like- finish, disability, ailment as well as retirement. Group Insurance has already established its importance as a component of Employee Benefit Package in Bangladesh. goop features of Group Insurance are Insurance coverage to a number of individuals under a single contract.Simple insurable conditions unaccented administrative procedurePrompt claim settlementAffordable premiumTax exemption on premiumDelta Life offers a swarm of Group-Life Insurance schemes from which an organization/ employer may choose for benefits of its members/employees, as may exceed serve their interest according to organizational setup. To be treated as a group, the following criteria need to be fulfilled. A Group Should plant of at least 15 membersIt should be a legitimately form bodyGroup clients of Delta Life Insurance Company Limited include Semi-Government organization, autonomous bodiesPrivate, Non-Government Organizations (NGOs)Educational & Financial InstitutionsPublic Limited Comp aniesAssociations, Business organizations etc.Group Life Insurance outlines offered by Delta Life are of two types Traditional Schemes For insurance coverage of members/employees of a GroupExclusive Schemes For insurance coverage of clients of Financial Institutions Traditional SchemeThese are the commonly offered Group-Life Insurance schemes and are also known as Basic SchemesThese areShort Term ContractGroup Term Life Insurance Scheme (GT)Group Term Life with Premium Refund Scheme (GTR)Long Term ContractGroup Endowment Life Insurance Scheme (GEN)Group Pension Scheme (GP)thither are some(prenominal) variants of Basic Schemes. Examples of two variants of GTR are GTR-100/10 Group Term Life with 100% Premium Refund after 10 years GTR-50/10 Group Term Life with 50% Premium Refund after 10 yearHealth InsuranceHealth Insurance is now considered indispensable in developed countries. In the present financial-social perspective of Bangladesh as well, Health Insurance has now become an e ssential, dependable, acceptable and the most cost effective means to make the modern treatment facilities affordable to all socio-economic classes of people, especially the fixed income group. As a pioneer of Health Insurance in Bangladesh, Delta Life Insurance Company offers several Health Insurance Schemes, which are as followsHospitalization (In-patient) treatment coverage plansHospitalization Insurance intend (Group)- offered to Members of a group and their dependants (if desired) Hospitalization Insurance Plan ( mortal) offered to an Individual as well as his or her dependant family members also known as Delta Care Hospitalization Plan. Out-patient treatment coverage plansOut-patient Insurance Plan Offered as an adjunct to Group Hospitalization Out-patient Management Plan Offered as an adjunct to Group Hospitalization Overseas treatment coverage plan for travelersOverseas Medicliam Policy (OMP) A pre-requisite for visa applicationoffered only to Individuals traveling abro ad. Hospitalization Insurance PlansCovers in-patient (Hospitalization) treatment expenses of an insured member Expenses cover under Hospitalization Insurance PlansHospital AccommodationConsultation remunerationMedicine & AccessoriesMedical InvestigationsSurgical OperationAncillary Services like Blood Transfusion, Ambulance Service, Dressing etc. General Features of the SchemeNo need for preliminary Medical Examination during enrolment. Treatment coverage round the clock inclusive of Accidents and Emergencies. Coverage offered to Bangladeshi National as well as resident foreigner. Treatment at any renowned hospital or clinic by consultant of own choice.Preferential service at Designated Hospital.Direct payment of treatment expenses by the company at Designated Hospital. Reimbursement of expenses for treatment at non-designated hospital. Membership ID card for each insured to facilitate advantageous services. Option for Maternity Benefit and Overseas Treatment coverage. Provision for inclusion of Spouse & Children under the plan. Provision for inclusion of new member under the plan.Coverage up to 65 years under Group HI & 60 years under Individual HI plan. Two types of plans with several benefit grades to choose from. Option to choose more than one grade according to status of the members of a group. Option to bowdlerise benefit grade during renewal.Gono Grameen BimaDelta Life first launched Micro-insurance product in 1988 through its Grameen Bima Project (GRB) to cater to the necessity of economic protection against premature death and of disability as well as providing a way for regular savings for the poor and low income group of people living in villages. Later it started another project in 1994, namely, Gono Bima (GNB) for the urban poor and the low income class. These projects are now merged under the name of Gono-Grameen Bima Project (GN-GRB). The initial problems apart, the project started to yield impressive results right from the begin ning by creating great interest among the target population who could not even perceive an institutional arrangement through which the ever present problems of insecurity of life could be addressed. To suit the needs and pockets of the target people, and for efficient management of these portfolios, some of the old-hat(p) traditional concepts of carrying on life insurance business had to be weaken and in some cases replaced by elementary and straightforward practices. Yet, the results are so encouraging that Delta Life is now regarded far and wide as the noncontroversial leader espousing the cause of welfare of teeming millions and its experiences are now used to advantage not only by indigenous companies but also other micro-savings organizations abroad.Target Group and the ProductIn GN-GRB the formalities are minimum. Insurance Cover is given under Group Insurance concept. A person interested in a policy submits a simple two-page proposal form it is signed or thumb imprinted b y him or her. in that location is no need for medical check-up. The person needs to be between 18 and 45 years of age, have a monthly income of Tk. 5,000.00 (US $100.00) or less, be of good health and supply a resolution of Good Health (DGH) at the time of submitting the Proposal form. Death through pregnancy complications within the first year of the policy and death through suicide in the first year of the policy are not covered under an exclusion clause. Simple endowment with profit policies are offered for 10 and 15 years term both with premium payment mode being weekly or monthly. Premium rate is the same irrespective of age at entry. Besides this plan, new plans like three-payment plan with 12 and 15 years term and double protection endowment plan have recently been introduced.Policy DocumentsUpon acceptance of the proposal, a pass rule book is issued to the policyholder detailing all terms and conditions of the policy. The pass book serves as the purpose of recording of al l payments made by him towards the policy. There is one group policy document for the policyholders of each Thana or Block. For individual policyholders the passbook serves as policy document.Micro Investment (Loan)GN-GRB gives smallish project lends to its policyholders on a group liability basis. No collateral is required. There is 20% service charge on the loans, which is calculated at a flat rate and added to the principal amount. The loan, together with the service charge, is repayable in 12 equal monthly installments. The repayments are collected from door to door by the organizers. Recently a decision has been taken to establish small collection booths in the villages. A person must be a policyholder and pay premiums for at least one year before being eligible for a loan. The maximum loan given is Tk. 5,000.00 (US $100.00) per policyholder. The loans are for income generating activities (IGA) only. Policyholders form a mission of 5 to 7 members. 3 policyholders selected by the committee are given the first loan. After recovery of 3 installments from each of the first three borrowers, the next 3 are given their loans and so on. As a general rule, 60% of the premium income of an area and 40% of the repaid loan of an area are available for loan in that area. excessively 100% of premium collection of a committee is available for loan to that committee.Company overviewCrystal Insurance Company Limited is one of the leading general insurance (Non Life) company in private sector in Bangladesh. The company transacts a wide range of General Insurance business in Bangladesh and expertise in the field with sound and stable financial position.Our MissionTo provide prompt, efficient and professionalized services for maximum risk coverage of the insured. To provide insurance coverage at the most competitive premium rate ensuring maximum security. To promote Human Resource development and professionalism in insurance business. To settle insurance claim promptly. C ICL believes in the quality of the deals taken with(p) rather than the quantity of it. With our knowledge and expertise it is our commitment to the insuring community to provide them the highest standard of security and professionalism.FindingFire InsuranceFire Insurance Policy (including R & SD, Flood, Cyclone & Earthquake coverage) Industrial All Risks (IAR)Engineering InsuranceMachinery Insurance Machinery Breakdown Policy (MBD)Deterioration of Stock (DOS)Boiler and Pressure Vessel (BPV)Electronic Equipment Insurance (EEI)Erection All Risk Policy (EAR)Contractors All Risk Policy (CAR)Motor InsuranceMotor Insurance for Commercial VehicleMotor Insurance for Private VehicleMotor Insurance for Motor pass/ScooterMarine Cargo InsuranceMarine Cargo Insurance transit by Steamer or Power VesselMarine Cargo Insurance transit by complain/Lorry/hand truckMarine Cargo Insurance transit by Inland Rail or Road Conveyance Marine Cargo Insurance transit by Inland Cargoes (water borne) M arine Cargo Insurance transit by Air CargoMiscellaneousBurglary & House Breaking InsuranceCash-in-SafeCash-in-TransitCash-in-PremisesCash-in-counterPeople personal AccidentWorkmens Compensation PolicyBusiness InterruptionOverseas Med claim and Holiday InsurancePublic Liability PolicyProduct Liability PolicyConsequential LossHouseholders Comprehensive Policy

The Qur’an

The Quran is recognized as the utmost(a) literal words of GOD given to his slew by Muhammad the support prophet, or messenger of GOD (Quran recitations and translation online, 2006-2009). The Quran is without a beginning, middle, or ending, and consists of 114 chapters of varying lengths called Sura. Each Sura is titled dependant on the message being portrayed (Hooker, 1996). It withal reveals the spare-time activity five dollar bill pillars of Islam (Five Pillars of Islam, 2009) or standards that define Moslem religious belief and practice. These pillars are the foundation of Muslim religion.Good introduction and thesis statement. Shahada means the acceptance of no new(prenominal) GOD but ALLAH and that Mohammad is the prophet of Allah (Five Pillars of Islam, 2009). This same theme is reinereated thoroughout the Quran is is the integrity most important basis of Muslim religion. Develop paragraph further. salaah is the requirement to crave daily starting at clear up, noo n, mid-afternoon, sunset, and night go about toward the Mecca. (source? ) This time is seen as a personal conversation with Allah expressing gratitude and worship as well as asking for assistance if needed.It is believed that this practice enables one to stop on a true path of righteousness. (Five Pillars of Islam, 2009) Muslims are seen daily at the Mosques during this ritual prayer but it is not a requirement to pray in a Mosque the only requirement for daily prayer is the ambit is to be clean. Zakah or charitable giving consists of two main types. First, on that point is the kajj, which is a fixed amount based on the cost of nutrition that is paid during the month of Ramadan for the entire family.Make an original title that reflects your thesis statement. This could be very expensive depending on the amount of people in the family and whether or not you included the extended family in the accounting. Avoid second person voice. Second, there is the Zakat on wealth, which cove rs money made in business, savings, income, and valuables held for chronic than one year only as long as the rate is wideer than Nisab (the equilivent of 3 ozs of gold). (source? ) One can always give to a greater extent in order to obtain a greater divine reward.The following guiding principles should be followed when giving the Zakat the giver must declare is aim to GOD. It must be paid on the twenty-four hour period that it is due, or it is considered the refusal to action GODS wishes. (source? ) Payment must be in kind, wealthy people contribute in cash while poorer people can pay in goods or time depending on their ability. And finally the Zakat is always distributed in the society it originated. It is through Zakat that the responsibility to eliminate inequity and ease economic tribulation in every community is fulfilled. Five Pillars of Islam, 2009) This practice of distribution in the community at times can lead to inequality when political economy of the area are factored in.Fragment- Make topic sentence- Sawm or Ramadan Fasting. During this 30 day period one must abstain from food, drink, and sexual intercourse from dawn to dusk while being especially mindful of other sins. (source? ) at that place are three different types of refrain recognized although the act of fasting remains the same. There is ritual fasting, fasting as compensation or repentance, and ascetic fasting. (source? ) The purpose is to allow Muslims to seek nearness to Allah, to express their gratitude to and colony on him, to atone for their past sins, and to remind them of the needy. Since there is the fasting in place during daylight hours, some mosques hold early morning breakfast gatherings as well as community dinners at night during the period of Ramadan. (Five Pillars of Islam, 2009) Hajj or the pilgrimage to Mecca is the last pillar of Islam.Every capable Muslim is obliged to make this at least once in their lifetime if they can afford it (Five Pillars of Islam , 2009). This pilgrimage is not dependant on distance either. If living in the States or even further absent it is still an expectation that if able the pilgrimage will be made. The five pillars of Islam are just the beginning of the Qurans foundation for living. The Quran is too a book of apprehension giving inspiration and guidance to the people of Muslim religion. As reported in the Sura 17 This Quran guides to that which is more right and better.It reassures the believers who do the good that their reward will be great (Topic index of the Quran, 1995-2001). It is filled with reminders of Gods mercy, blessing, warnings of what will occur to those who do not follow the righteous path, instructions for daily living and also includes stories of ancient civilizations and the lessons they learned (Hooker, 1996). This makes the Quran the bible or words of wisdom followed by all Muslims in the practice of their religion and lifestyles.

An International Investment Portfolio Accounting Essay

International sp curiosity seems to pull many investors resulted from the many benefits of the published multinational invest portfolio by houses all over the universe. Fund investors can play a bundle in the economic growing of the other states, up to(p) to reexamine their tell of hazard, recognizing variegation effects and taking advantage of different market sections on a planetary graduated table. Globalization reflects the world-wide growing of marketing ace states. These advantages may smack alluring but the hazards involved for outside(a) commit must non be overlooked. In an world-wide put position, fiscal investings ar non merely subjected to currency and political hazard. However, there atomic number 18 many organisations drawbacks and troubles, one and only(a) of which is related to revenue enhancement issues. These failings of an organisation normally benefited those investors who ar able to pull off to get the better of those troubles in a well-organised attack.1 IntroductionThe international economic activities presently have been increased dramatically collect to the investing of concern internationally. International economic systems have become structured through a huge web of communicating and trade with the embolden of globalisation. Due to globalisation, international flow of fiscal assets have been improved by many progresss in better lower cost of communicating and conveyance, which fashion that geographical distances are unimportant and therefore national economic systems are closely linked.Investing portfolio normally involves the purchase of bonds, portions, stocks and assets by outside(prenominal) international investors, all of them with the cardinal aim of accomplishing a fiscal net income. It plant life in a assortment of different ways toward the terminal of conserving and introduce forthing net incomes. Money could be made from perchance any investing environment even though international fiscal markets are authentically much composite. International portfolio investing is someway hazardous. The greatest challenge approach about by all investors in doing an investing portfolio work is by cognizing precisely what to make at the right lop. The factors that usually affects are irrelevant exchange rates, involvement rates and revenue enhancement rates on involvements. Therefore, a well-diversified portfolio is recommended to extenuate hazard. When the investors want to broaden their investing, they provide detect the international market and puting in foreign companies. The important ground why international portfolio investing might heighten stable drops and cut down hazard is the broader variegation. One of the benefits of broader variegation is risk-return trade-off, which is more profitable while puting internationally. Another mathematical benefit is the variegation of currency, which means it non merely exposed a foreign company s operation, but besides to this foreign curren cy. As an investing fund director, the direction includes make up ones minding what assets to buy, how many to buy, and when is the best clip to buy. These determinations must hold some compendium of measurings, which typically involves expected return on the portfolio and the hazard on the return.2 Evaluation of the listed houses2.1 Brief accounting entry of the 3 list housesDASHANG GROUP A Code CN DDS ( P ) justifySPECIALTY FASH.GP. ( BER )Code Calciferol MVJ ( P ) developPacific internetCode Joule PNET ( P ) explain2.2 Asses the VaR moving-picture show of the investings2.3 Analyzing the economic exposure of each companyFigure2.3.1Figure 2.3.2Figure 2.3.32.3.1 Arrested evolution outlineArrested increment analysis is a widely used statistical tool agencies on concentrating on analysing the relationship between a pendant variable, Y, and self-governing variable, X, utilizing the sincere additive theoretical account Y = a + bX. reverting analysis gives an agreement on h ow the dependant variable Y alterations with changing individual variable Ten. The valuates of X and Y are inputted into Microsoft Excel and by utilizing the arrested development attack, think ofs of a and B are calculated. Excel will so end harvest-feast a drumhead consisted of a arrested development statistics table and analysis of variance.The R2 is a grade of fluctuation, measured in per centum, in the dependant variable that can be accounted for by the independent variables. Multiple R is fundamentally the square root of R2. The standard mistake is an estimated value that is dogged by Excel in concurrence with the estimated coefficient. Adjusted R2 is calculated utilizing totally calculated values are as shown in table 2.3.1.1. explain observations ( N ) .Arrested development StatisticssDASHANG GROUP A SPECIALTY FASH.GP.Pacific InternetMultiple R0.598157750.6082954860.907217302R20.3577926930.3700233980.823043232Adjusted R20.3565529110.3688165460.822704235Standard Error230 0.21234338.18072501118.5093191Observations520524524Table 2.3.1.1Arrested development Statisticss2.3.2 ANOVA ( Analysis of Variance )There are two tabular arraies in ANOVA.2.3.2.1 ANOVA OUTPUT IThe constituents of the ANOVA were tabulated utilizing the undermentioned equationsP represents the bod of coefficients and K represents the entire figure of coefficients which in this instance k=p+1= 2.Regression df = k 1.Residual df = n K. total df = n 1.Entire SS = Regression SS + Residual SS.Regression MS = Regression SS/ ( k 1 ) .Residual MS = Residual SS/ ( n K ) .F =Regression MS/Residual MS.Significance F = FDIST ( F, k 1, n K ) .The consequences are as shown in tabular arraies 2.3.2.1, 2.3.2.2 and 2.3.2.3.Analysis of variancedfUnited states secret serviceMultiple sclerosisFSignificance FArrested development115269395491526939549288.598.99811 &038 A time 10-52Residual51827407259955290976N/AN/AEntire5194267665544N/AN/AN/ATable 2.3.2.1ANOVA end merchandise I DASHANG GROUP A A nalysis of variancedfUnited states secret serviceMultiple sclerosisFSignificance FArrested development1446954.807446954.807306.62.40467 &038 A times 10-54Residual522760954.7721457.8N/AN/AEntire5231207909.58N/AN/AN/ATable 2.3.2.2ANOVA end merchandise I Forte FASH.GP.Analysis of variancedfUnited states secret serviceMultiple sclerosisFSignificance FArrested development134098162.834098162.82427.91.8982 &038 A times 10-198Residual5227331207.4514044N/AN/AEntire52341429370.2N/AN/AN/ATable 2.3.2.3ANOVA end product I PACIFIC Internet2.3.2.2 ANOVA OUTPUT IIThe future(a) phase is the coefficients. ( Note that the Numberss have been converter to 3 denary topographic points to salvage infinite ) . It gives the coefficient for each parametric quantity, including the intercept. T-stat value is the ratio of the estimated coefficient value divided by the standard mistake value. T-stat value can be compared across all variables in comparing with the criterion error.. The p-value is associate d with the variable, and the assurance intervals of the parametric quantity estimates as evaluated by Excel.Analysis of varianceCoefficientsStd. MistakeT statP-valueLower 95 %Upper 95 %Intercept-4642.803833.091-5.5734 &038 A times 10-8-6279.455-3006.151X Var 11212.555971.37716.9889 &038 A times 10-521072.3321352.78Table 2.3.3.1ANOVA end product II DASHANG GROUP A Analysis of varianceCoefficientsStd. MistakeT statP-valueLower 95 %Upper 95 %Intercept424.12819.53521.7116 &038 A times 10-75385.751462.505X Var 1-165.3979.446-17.512 &038 A times 10-54-183.953-146.84Table 2.3.3.2ANOVA end product II Forte FASH.GP.Analysis of varianceCoefficientsStd. MistakeT statP-valueLower 95 %Upper 95 %Intercept-412.87230.206-13.671 &038 A times 10-36-472.213-353.532X Var 19.1250.18549.2732 &038 A times 10-1988.7619.488Table 2.3.3.3ANOVA end product II Pacific Internet2.3.3 Assurance Time intervals for Slope Coefficients95 % assurance interval for incline coefficient &038 A szlig 2 is f rom Excel end product ( -1.4823, 2.1552 ) .Excel computes this asb2 t_.025 ( 3 ) Se ( b2 )= 0.33647 TINV ( 0.05, 2 ) 0.42270= 0.33647 4.303 0.42270= 0.33647 1.8189= ( -1.4823, 2.1552 ) . different assurance intervals can be obtained.For illustration, to happen 99 % assurance intervals in the Regression duologue box ( in the Data Analysis Add-in ) , look into the Confidence Level box and set the degree to 99 % .2.3.4 judge of Statistical SignificanceThe coefficient of HH surface has estimated standard mistake of 0.4227, t-statistic of 0.7960 and p-value of 0.5095.It is hence statistically unimportant at logical implication degree a = .05 as P &038 gt 0.05.The coefficient of CUBED HH SIZE has estimated standard mistake of 0.0131, t-statistic of 0.1594 and p-value of 0.8880.It is hence statistically undistinguished at significance degree a = .05 as P &038 gt 0.05.There are 5 observations and 3 regressors ( intercept and ten ) so we use t ( 5-3 ) =t ( 2 ) .For illustration, for HH SIZE P = =TDIST ( 0.796,2,2 ) = 0.5095.2.3.5 Test Hypothesis on a Regression ParameterHere we test whether HH SIZE has coefficient &038 A szlig 2 = 1.0.Example H0 &038 A szlig 2 = 1.0 against Ha &038 A szlig 2? 1.0 at significance degree a = .05.ThenT = ( b2 H0 value of &038 A szlig 2 ) / ( standard mistake of b2 )= ( 0.33647 1.0 ) / 0.42270= -1.569.2.3.5.1 Using the p-value attackp-value = TDIST ( 1.569, 2, 2 ) = 0.257. Here n=5 and k=3 so n-k=2 .Do non reject the head off theory at degree.05 since the p-value is &038 gt 0.05.2.3.5.2 Using the critical value attackWe computed t = -1.569The critical value is t_.025 ( 2 ) = TINV ( 0.05,2 ) = 4.303. Here n=5 and k=3 so n-k=2 .So make non reject void hypothesis at degree.05 since T = -1.569 &038 lt 4.303.2.3.6 Overall Test of Significance of the Regression ParametersWe test H0 &038 A szlig 2 = 0 and &038 A szlig 3 = 0 versus Hour angle at least one of &038 A szlig 2 and &038 A szlig 3 does non cost not hing.From the ANOVA tabular array the F-test statistic is 4.0635 with p-value of 0.1975.Since the p-value is non less than 0.05 we do non reject the void hypothesis that the arrested development parametric quantities are zero at significance degree 0.05.Conclude that the parametric quantities are jointly statistically undistinguished at significance degree 0.05.NoteSignificance F in general = FINV ( F, k-1, n-k ) where K is the figure of regressors including the intercept.Here FINV ( 4.0635,2,2 ) = 0.1975.2.3.7 Predicted Value of Y disposed(p) RegressorsSee instance where x = 4 in which instance CUBED HH SIZE = x3 = 43 = 64.yhat = b1 + b2 x2 + b3 x3 = 0.88966 + 0.3365-4 + 0.0021-64 = 2.370062.3.8 Excel RestrictionsArrested development in Excel has a figure of restrictionsNo standardized coefficients. It was really sound to construe unstandardised coefficients. The standardized coefficients could be calculated utilizing the unstandardised coefficient if it is needed.Lack of symptom atic graphs. The standard diagnostic graphs were non available in Excel, such as the secret plan of the remainders, the scatter-plot or remainders against predicted values.Lack of Diagnostic statistics. There were no co-linearity nosologies, which would supply a more apprehension of the informations that was analyzed.Excel standard mistakes and t-statistics and p-values are based on the premise that the mistake is independent with changeless variable. Excel does non supply alternaties, such autocorrelation criterion mistakes and t-statistics and p-values.3 Decision4 Mentionhypertext transfer protocol //www.qimacros.com/qiwizard/regression.htmlhypertext transfer protocol //mallit.fr.umn.edu/fr4218/assigns/ transcend_reg.htmlhypertext transfer protocol //www.jeremymiles.co.uk/regressionbook/extras/appendix2/excel/

Customer Attitudes Toward Bmw Motorcycles Essay

This final root word is the finish summary version of every(prenominal)whereall cultivation, knowledge, and information of the marketing investigate under the realm of BMW R1200 GS/GSA motorcycles in UK. The BMW Motorrad under the BMW group has been producing motorcycles since 1923 and has providing a miscellany oscilloscope of motorcycle styles (bmwgroup, 2012). In addition, the fashion mannikin of BMW R1200 GS/GSA motorcycles is a study term motorcycle in punt sport style for all bikers in UK as it was named in the top ten model of vernal motorcycles registration (MCIA, 2011). However, The Motorcycle Industry Association defines Adventure motorcycle as These bikes encompass trials which similar in style to Enduro motorcycles but are preponderantly designed and capable for on-road use (MCIA, 2012).The butt of this research root word is to recognise attitudes of UK nodes towards the model. To be more specific, the research paper entrust look into the link su rrounded by nock images, step and price acquaintance of the current riders towards this BMW motorcycle model. Moreover, the research paper will explore guest satisfaction and the homage of the marque. Additionally, this research paper will watch the outstanding in harvest-home value of BMW R1200 GS/GSA that it has over its adversarys in the jeopardize motorcycle segmentation.The paper will stolon provide background entropy of conceptual model in brand equity which would provide a basic understanding of how to ginmill and manage brand equity. Furthermore, the explanation in the model of satisfaction towards allegiance will be discussed. Besides, the hypothesis of the study model will be illustrated. In the next constituent, the method of conducting online resumes and the utilization of this technique will be discussed. Thirdly, the interpretation from the obtained info will be sh induce in the finding and synopsis section. Finally, the conclusion of the paper will be discussed to sum up the accurate research paper including limitations and ethics issues.Literature re keep an eye onIn the book, Managing grunge Value (Aaker, 1991) has defined the term of brand equity as the data link of the name and emblems to a set of assets that would increase the value of the companys crossroads or services. In addition, during the guests spoiling decision process (McKinsey 1996) has found in his research that brands affect 18 percent of centre get decisions. in that locationfore, these after part be indicated that branding act as bingle of the noteworthy factors towards clients purchasing. However, the breath from (Keller, 2003) stated that the power of a brand would re main in customers instinct together with their comprehend experiences and they will learn about the brand over time. Hence, on that purpose is the development process of strengthen the brand of a company. The accede (2) illustrates the framework of brand equity from (Keller, 2003).Figure 2 Brand blondness FrameworkSource Keller, K (2003). Building, Measuring and Managing Brand Equity. Upper blame River, recent Jersey Prentice HallThe framework provides 4 go that involve in building a strong brand however, the pecking redact of brand equity determine that in order to move up in each level, on that point is a aimment from the boffo of the preceding(prenominal) mavin. The first level, companies see to set up a brand indistinguishability which will imply brand silence and would lead customers to aware the brand (Keller, 2003). The next step is to construct an appropriated brand meaning involve both performance or imagery that united to the brand (Keller, 2003).Thirdly, it is a signifi fecest to response the judgments and scents (opinion, evaluation and emotional) from the customers to gain brand attitudes in customers point of view (Keller, 2003). Lastly, the companies need to create a brand resonance by exhausting to minimize the gap mi ngled with what companies think and what customers think via communication tools that would come home put the brand into consumers mind, resulting in a good family relationship with them (Keller, 2003). However, after building the strong brand equity, (Keller, 2003) has claimed that brand fealty would appear to be one of the benefits to the brand.On the other hand, most companies consider the customers to be one of the signifi female genital organt keys to make the company successful. thitherfore, (Erdem & Swait, 2004) propose that the determination of successful business in long-term is to deliver the value to customers which related to (Marconi, 2000) trace that one of the factors which would make customers to remain loyal over brand is customer satisfaction. However, the American client Satisfaction Index (figure 3) will be utilize to explain the model of customer satisfaction. Figure 3 the American Customer Satisfaction Index (ACSI)Source (Johnson, Gustafsson, Andreassen , Cha, 2001) The evolution and future of national customer satisfaction index models. (theacsi.org, 2001) explained that customer satisfaction occurs from two driven factors which can affect the satisfaction each directly or going through with(predicate) the perceive value factor (quality relative to the expense). From those two driven factors, the first factor is customer expectation, which is the customers anticipation of the quality of the products in both prior consumption experience from consumer and the expectation from companys product quality deliver. In addition, the game factor is perceived quality which determine by the evaluation of the products quality from customer toward the organization.However, the figure shows that in that location is a negative relationship betwixt customer complaint once they disconfirm with the expectation and customer loyalty. This can be explained as the more contented from the customers, there is little chance in the resulted of acqu iring complain from the customers. However, (theacsi.org, 2001) suggests that there is a chance of turning un commodious customers to loyalty customers after the compensations pee been introduced to them. To conclude, in order to gain customer loyalty, the companies have to deliver the value of the products to meet or exceed customers expectation as loyalty customers are more likely to create repurchase activity. The whatever other related support to the important in loyalty of customers provided by (Reichheld.F.F, 1996) in his book, The Loyalty Effect, in which he stated that in order to look at in a invigorated customer to the company is five generation more costly than it is to retain an existing customer.Research DesignThe beforehand(predicate) discussion was about satisfying the customers who act as a main player of building the successful businesses as they are involve in many organizations process. Hence, it is clear that the framework of this research paper is to focu s on the importance of satisfying customers as it will create the benefit toward the company in term of brand loyalty. (Gobe, 2001) states that, there is some(prenominal) area of supporting customers into customers satisfaction such as price-quality-relation. Furthermore, (Keller, 2003) consider brand attitude in brand equity process to be a drive towards loyalty as rise up. This research design will be classified as causal research to obtain evidence of cause-and-effect relationships (Malhotra, Birks, Wills, 2012).These ideas make the hypothesis of the study as H1a There is a relationship between brand image perception and the level of customer satisfaction for BMW R1200 GS/GSA H1a There is a relationship between quality perception and the level of customer satisfaction for BMW R1200 GS/GSA H1a There is a relationship between price perception and the level of customer satisfaction for BMW R1200 GS/GSA H2 There is a relationship of BMW R1200 GS/GSA customers toward purchase loyalt y The Figure 4 illustrates the study model involving the relationship between brand attitudes towards customer satisfaction in BMW R1200 GS/GSA and customer satisfaction in BMW R1200 GS/GSA towards brand loyalty.MethodologyThis research has been utilized quantitative in order to gather data under one particular model of BMW motorcycles, which is R1200GS/GSA. The objective of quantitative is to collect customers attitude influence factors relate to each participant perceptions. However, this survey method has introduced a set of questionnaire with 25 closed questions. The period of survey collection was between tenth November and 10th December 2012 through online survey technique under the survey land site named Wufoo. The format of online survey included structure scales in a range from 1 to 5 and yes or no questions. The questionnaires have been distributed and upload onto BMW Motorrad Parklane Facebook and UKGSer page. The follow respondent is 11 people which specific that have to be BMW R1200 GS/GSA riders.The questionnaires have been mainly divided into 6 sections. The first 3 questions were designed to strain for the top three requirements of participants that they consider before purchasing any adventure motorcycles. In the next section, 3 questions were designed to find the competitive expediency factors and the relative of price-to-quality in perspectives view. In the thirdly section, 5 questions were used to determine the customers judgment toward the product quality. Moreover, there are a set of 5 questions used in search for customer feeling toward BMW R1200 GS/GSA. In addition, the others 5 questions were used to indicate customer resonance and their potential of creating benefit toward the brand. Finally, 5 questions were used to gain demographic information of respondents.LimitationsThe limitation of time was the major restrictive as the data collection periods is within 1 week. Furthermore, the difficultly of realizing the essential rank population as some of respondents may not own the actual motorcycle in BMW R1200GS/GSA. Additionally, there are no female person respondents in all of the returned forms. The scope down of the research topic into a specific model of motorcycle created an obstacle to find the right target of respondents. The post on facebook page has bias of gained non-geographic target group information as there are respondents which are not in UK. Moreover, some of the forums and websites are not currently frequently activated making the posts universe used ineffectively. Finally, with the limited number of 10 respondents, resulted in low resources are being used in the evaluation.Ethical considerationsThe purpose of doing this research paper has been announced and posted on every websites and forums before the actual online-survey. There is a statement state clearly in term of confidentiality that respondents information is treated with eminently confidentiality. In addition, the questions in th e questionnaire under the demographic section have provided an alternative of prefer not to answer option to hold the refusing of answering for respondents as they may have an uncomfortable condition. The collected data and information will be used in an cultivation area but there is no hidden purpose in either businesses or individual organization.FindingsThe process of gathering data took 4 weeks and there are 72 perspectives viewed of the survey in total. However, there are only 11 entries out of 72 viewed which can be transfer into 15.3% as the conversion rate. The average time per respondent to finish the survey is 3.16 legal proceeding each. However, there is 1 out of 11 responded that is a fault data due to the location of the respondent is outside UK.In the first section, 50% of total responded consider exterior design to be considered the most when they buy an adventure motorcycle, piece seat comfort is their second consideration with 40% of total. In addition, they co nsider bag and storage to be the third woof with 40% of the total.In the next section, 60% of total respondents have concur that BMW R1200 GS/GSA is worth its price. In addition, 90% of them perceived that this model is more shining to other brands within the same price category. Moreover, the data explained that 70% of respondents perceived the superior fact as this model is the racy hat in handling, while another 30% expressed the fact as the endure motorcycle.The third section is finding of the customers judgment toward the product quality with the full piss of 5 marks. The best perceived value in quality of the model is safe follow by status symbol, quality product, trustworthy, and lowest is in last spirits performance product with the scores of 4.5, 4.2, 4.1, 3.9, and 3.6 points respectively. The data shows the customers feeling toward BMW R1200 GS/GSA in the quartern section. It is freedom that customer feel the most with 4.2 while fun is their second perceived with t he score of 4 out of 5. The respondents share the third feeling that come in to their mind of excitement and self-respect with 3.9 point, while favorable approval is the last place in their feeling of 3.8 point.In the one-quarter section, the data is used to analyze the customers resonance toward the model. However, out of 5, respondents show 4.1 point as they are happy with the model the most, while the fact that they satisfied and willing to refer the model to others share the same scores of 4 point each. Lastly, perspective expressed their love to BMW R1200 GS/GSA only 3.7 point.Finally, the data from the survey shows that all of 10 entries were male which translated into 100%. The average group is between 46-55 years old with the percentage of 80 out of total. Moreover, 50% of the total earns their income more than 50,001 yearly while 40% of them earn the average between 25,001- 50,000 yearly. Moreover, 70% of respondents married and which left remaining 30% of them as single . Finally, the education fact shows that 50% of the total respondents graduated their highest education in high school while other 40% and 10% are undergraduates and winner level respectively. ConclusionAccording to the study, exterior design consider to be the most important to customers when they buy as its related to social approval most customers agree that BMW R1200 GS/GSA give them that feeling. However, BMW is considering this factor as one of the main development processes make the company continuously improve a better look in designing along with new technologies inclined to their bikes. Moreover, the seat comfort and storage is considered to be significant to all adventure riders. Due to a long distance in riding their motorbikes, they require a suitable seat to support their physical body and quad to storage their goods.Results also show that BMW R1200 GS/GSA has the competitive advantage over the rival in the same category as customers perceived that the model has th e best balance in control. On the other hand, only 60% of customers perceived this model is worth a premium price due to the less agreement that this model is a high performance product. However, customers still satisfied with the product even though, the customers have standard perceived that this motorcycle model is worth to spend money on. Therefore, it can be analyzed that there is less relationship between price and satisfaction.The relationship between product quality and satisfaction can be interpreted as there is a positive relationship between these two factors. The research shows that customers are highly consider BMW R1200 GS/GSA as a safe motorcycle and high quality product. The company has captured the most important need in every rider which is safety, and delivers the value to them clearly which resulted in gaining the satisfactions from value deliver. However, by feeling at specifically to individuals that has less satisfaction, it is only the fact that BMW R1200 GS /GSA is not high performance enough for them.In term of brand image, the customers is highly involved with status symbol as the high score of 4.2 point can determine that the company has created brand association and meaning towards customers. Moreover, the company has well delivered the feeling of freedom in this product make a fulfillment in the want of adventure travelers. Therefore, brand image has positive relationship toward satisfaction.Finally, with the high number in people who are happy and satisfied with BMW R1200 GS/GSA related to their willingness to refer this motorcycle model to others. This is can be explained that there is a positive relationship between satisfaction and customers loyalty as loyalty customers would most likely to be influencers in bringing new customers to purchase the product.ReferencesAaker, D (1991). Managing Brand Equity Capitalizing on the Value of a Brand Name, Free Press, New York, NYAggarwal, P. (2004). The Effects of Brand Relationship Nor ms on Comsumer Attitudes and Behaviour. Journal of consumer research, June Court, D., Freeling, A., Leiter, M., Parsons, J. A. (1996). Mckinsey Quarterly Uncovering the value of brands. Retrieved from http//www.mckinseyquarterly.com/Uncovering_the_value_of_brands_201 Erdem, Tulin, and Swait, Joffre. (2004). Brand Credibility, Brand amity and Choices. Journal of consumer research,June Gobe, M. (2001). Emotional Branding. New York, NY Allworth Press. Keller, K. (2003). Buliding, Measuring, and Managing Brand Equity. Upper Saddle River, New Jersey Prentice Hall. Kiley, D. (2004). Driven Inside BMW, the most admired car company in the world. Malhotra, K. N., Birks, F. D., Wills, P. (2012). Marketing Research (4th ed.) An Applied Approach. The Motor rhythm method of birth control Industry Association (2011). Motorcycle Registration Statistics. Press statistic. Retrieved from http//www.mcia.co.uk/Press-and-Statistics/NewReg_Statistics.aspx Weiler, M. (2004). BMW Exploring Customer Att itudes.

Overview of Accounting Essay

The audiences of fiscal dictations and managerial authorships include the shareholders, employees, prospective employees, customers, suppliers, the government, the transport exchanges, investors, lenders and the public at large. What is important is that each audience has a different perspective in reading the pecuniary statements and managerial broods. For example, a lender would like to know the leverage of the gild, if it has the capacity to service debt and if the loans to the company would be well secured.There are several purposes served in preparing financial statements and managerial reports. The financial statements are designed to show its audience, the companies finances, that is how the company got its finances, what it was employ for and where is it being currently used (Luecke, R. 2002). For this purpose there are four-spot main financial statements that is the income statement, the hard currency feast statement, the equilibrise shred and the statement of sh areholders equity.In general an income statement has the purpose of showing how much gross a company earned in a period of time, the sleep sheet shows the companys assets, liabilities and shareholders equity, the cash flow statement shows the inflow and outflow of cash and the purpose of the statement of shareholders equity is to show changes in the ownership of companys shareholders over a period of time. The personality of the income statement is in the form of a report that shows the costs and expenses that the occupancyes incurs in order to earn its revenue.It flip overs the net earnings of the company. The nature of balance is such that it provides point wise information to the highest degree the assets, liabilities and shareholders equity. The nature of a tradees balance sheet is such that it is set up like the basic accounting system equation. Usu completelyy on the left get through side the companies list the assets and on the right hand side they list their liabil ities with the shareholders interest at the bottom. This system of rules differs from unsophisticated to country. For instance, in some countries the assets are listed on the right hand side.However, the basic nature of the balance sheet remains the same. The nature of the cash flow statement is such that it can inform its audience if the business generated cash or not. The cash flow statement is a report that shows cash changes over time instead of exact currency amounts at a point in time. It simply uses and rearranges information from the balance sheet and income statement of the business. The most important report that is issued by the management of a company is the annual report (Stittle, J. 2003).The nature of this report is such that it has circumstantial financial and business information required by law of the country in which the company is registered, modern annual reports have impressive pictures and stories that eulogize the companys surgical procedure in the past year. The information contained in this report can help the audience make sure and honorable decisions. In the USA the SEC requires that the audited annual report be displace to every shareholder at the end of the year. In this the management comments well-nigh the future. Form 10-K required to be filled in the USA ha more detailed financial information.The companys financial performance is described in a section of the quarterly or annual report that is called Managements Discussion and Analysis of Financial train and Results of Operation, In this section of the Annual Report the management describes its own instinct of the financial condition of the company. The management in this section of the annual or quarterly report describes what it understands of the current financial condition of the business. It to a fault gives its believe of the relevant trends and challenges that the business faces.This allows the audience to see the financial condition of the business from the p erspective of management and allows the audience to make informed and ethical decisions. In other words it provides the audiences the background that is required to study and understand the financial statements. Financial accounting information can be used in making informed and ethical business decisions. How? The income statement shows the earning per share, a enumeration that tells you how much you as a shareholder would receive if the company distri howevered all its earnings.This allows you to make an invest/ non invest decision. Giving more information about the financial health of the company is the cash flow statement. It divides cash flow into flows from operating activities, investing activities and financing activities. This informs not only the investors but also the management, employees, suppliers and customers about the source of cash for the company and allows them to make better decisions. The footnotes of the reports give important information that helps make effi cient and ethical decisions.The footnotes refer to stock options, pension plans, income taxes and important accounting policies and practices. For example, a company may be showing an inflated profit figure because its accounting practices have changed but reading the footnotes helps the audiences make better decisions and ethical decisions with regards to the company. To make ethical and informed decisions it is important to read between the lines of these reports. How is this accomplished? By doing ratio compendiumCommonly the ratios that are examined are debt-to-equity ratio, inventory turnover ratio, operating beach ratio, P/E ratio and working capital. Consider this, well in the first place the Enron scam exploded several investors were able to smell by examining the ratios that something was misemploy with the company. They decided to sell off their stocks and avoided losses. To sum, the intention of the financial statements and management report is to inform the different stakeholders of a business. If these statements are carefully analyzed and mute they help these stakeholders make an informed and ethical decisions.